Rs 10,000 is a small but good amount to begin with. I would suggest you start by investing in some good mutual funds. Do some research, a balance mutual fund is less risky less returns compared to a equity mutual fund. The other option is directly investing in stock market, however this needs some experience and you would need to open demat and trading accounts that would cost money to open and maintain.


Why is this in /r/business?   Also, this has been posted (and reposted by same guy) in a [quite](http://www.reddit.com/r/TrueReddit/comments/mw542/the_signals_may_be_faint_but_they_are_consistent/) [a](http://www.reddit.com/r/China/comments/mu6za/how_organ_harvesting_from_political_and_religious/) [few](http://www.reddit.com/r/news/comments/mtew2/the_xinjiang_procedure_chinese_medical/) other reddits with mixed reaction, probably b/c of the sensationalist and neo-con agenda.   Not trying to diminish what's happening, if true, just saying this has been debated quite a bit in other places already.


I've been doing healthcare financial consulting for a few years now and I was going to start studying to take CFA Level I and slowly change industries, but ended up learning programming instead. At this point in my career, I'll be way too far behind if I don't solely focus on increasing technical skills related to programming and data science.   I think this is the point in time where if you don't start gaining experience and skills in those areas, any professional field is going to be out of reach in 5 years or so. For healthcare finance, no one will care that you have 10+ years of experience with the industry. If you can't turn the experience into useful data analysis, then no firm is going to want you.  Right now, our firm has moved from the typical pyramid structure with tons of analysts on the bottom and a few high-level consultants at the top towards more of a balloon. Most of our staff are in the middle-tier and we are all with varying level of experience but our real selling point is how we are able to collect and process a hospital's data. I feel like I started working at a typical small finance firm and now I work at a typical SaaS style startup. So, we can feel it in other financial fields, so I'm sure you equity folks are going to have the same experiences.


"Zero? Ten grand? Somewhere in the middle? It depends. Your stated salary, in U.S. dollars, would be high five-figures (~$88k). You certainly should not be starving, but with decent contributions toward savings and retirement, money can indeed be tight month-to-month at that salary level, especially since even in Cardiff you're probably paying more per square foot for your home than in most U.S. markets (EDIT: actually, 3-bedroom apartments in Cardiff, according to Numbeo, range from £750-850, which is US$1200-$1300, and for that many bedrooms you'd be hard-pressed to find that kind of deal in a good infield neighborhood of the DFW Metro, and good luck getting anywhere close to downtown New York, LA, Miami, Chicago etc for that price. What job do you do, and how are you expected to dress for it? Depending on where you shop and what you buy, a quality dress shirt and dress slacks will cost between US$50-$75 each (assuming real costs are similar for the same brands between US and UK, that's £30-£50 per shirt and pair of pants for quality brands). I maintain about a weeks' wardrobe at this level of dress (my job allows me to wear much cheaper polos and khakis most days and I have about 2 weeks' wardrobe of those) and I typically have to replace due to wear or staining, on average, 2 of these outfits a year (I'm hard on clothes and my waistline is expanding). Adding in 3 ""business casual"" outfits each year, plus casual outfits, shoes, socks, unmentionables and miscellany, call it maybe $600(£400)/year in wardrobe. That doesn't generally get metered out as a monthly allowance (the monthly amount would barely buy a single dress shirt or pair of slacks), but if you're socking away a savings account and buying new clothes to replace old as you can afford them it's a good average. I generally splurge in months when the utilities companies give me a break and when I get ""extra"" paychecks (26/year means two months have 3 checks, effectively giving me a ""free"" check that neither pays the mortgage nor the other major bills). Now, that's just to maintain my own wardrobe at a level of dress that won't get me fired. My wife currently stays home, but when she worked she outspent me, and her work clothes were basic black. To outright replace all the clothes I wear regularly with brand-new stuff off the rack would easily cost a grand, and that's for the average U.S. software dev who doesn't go out and meet other business types on a daily basis. If I needed to show up for work in a suit and tie daily, I'd need a two-week rotation of them, plus dress shirts, and even at the low end of about $350 (£225) per suit, $400 (£275) with dress shirt and tie, for something you won't be embarrassed to wear, we're talking $4000 (£2600) to replace and $800 (£520) per year to update 2 a year, not counting what I wear underneath or on the weekends. And if I wore suits I'd probably have to update the styles more often than that, so just go ahead and double it and I turn over my wardrobe once every 5 years. None of this includes laundering costs, which increase sharply when you're taking suits to the cleaners weekly versus just throwing a bunch of cotton-poly in the washing machine. What hobbies or other entertainment interests do you and your wife have? A movie ticket in the U.S. varies between $7-$15 depending on the size of the screen and 2D vs 3D screenings. My wife and I currently average less than one theater visit a month, but if you took in a flick each weekend with your wife, with a decent $50 dinner out, that's between $260-$420 (£165-270) monthly in entertainment expenses. Not counting babysitting for the little one (the going rate in the US is between $10 and $20 an hour for at-home child-sitting depending on who you hire and for how long, how often). Worst-case, without babysitting that's less than 5% of your gross income, but possibly more than 10% of your take-home depending on UK effective income tax rates (your marginal rate is 40% according to the HMRC, unless you find a way to deduct about £30k of your income). That's just the traditional American date night, which is just one possible interest. Playing organized sports is more or less expensive depending on the sport. Soccer (sorry, football) just needs a well-kept field, two goals and and a ball. Golf, while not really needing much more when you say it that way, can cost thousands of dollars or pounds a month to play with the best equipment at the best courses. Hockey requires head-to-toe padding/armor, skates, sticks, and ice time. American football typically isn't an amateur sport for adults and has virtually no audience in Europe, but in the right places in the U.S., beginning in just a couple years you'd be kitting your son out head-to-toe not dissimilar to hockey (minus sticks) and at a similar cost, and would keep that up at least halfway through high school. I've played them all at varying amateur levels, and with the possible exception of soccer they all get expensive when you really get interested in them. How much do you eat, and of what?. My family of three's monthly grocery budget is about $300-$400 (£190-£260) depending on what we buy and how we buy it. Americans have big refrigerators (often more than one; there's three in my house of varying sizes), we buy in bulk as needed every week to two weeks, we refrigerate or freeze a lot of what we buy, and we eat and drink a lot of high-fructose corn-syrup-based crap that's excise-taxed into non-existence in most other countries. I don't have real-world experience living and grocery-shopping in Europe, but I do know that most shopping is done more often, in smaller quantities, and for more real food. You might expect to spend £325 ($500) or more monthly, in fits and starts every few days, but as I said you'd probably know better than me what you're buying and what it's costing. To educate myself, I went to mysupermarket.co.uk, which has what I assume are typical UK food prices (mostly from Tesco), and it's a real eye-opener. In the U.S., alcohol is much more expensive for equal volume than almost any other drink except designer coffee and energy drinks, and we refrigerate the heck out of everything anyway, so a low-budget food approach in the U.S. generally means nixing beer and wine in favor of milk, fruit juices, sodas and Kool-Aid (or just plain ol' tap water). A quick search on MySupermarkets shows that wine prices average a little cheaper, accounting for the exchange rate, as in the States (that varies widely even in the U.S., as local and state taxes for beer, wine and spirits all differ). Beer is similarly slightly cheaper across the board, especially for brands local to the British Isles (and even the Coors Lite crap we're apparently shipping over to you is more expensive here than there), but in contrast, milk by the gallon (4L) seems to be virtually unheard of in the UK, and your half-gallon/2-liter jugs are just a few pence cheaper than our going rate for a gallon (unless you buy ""organic"" in the US, which carries about a 100% markup). Juices are also about double the price depending on what you're buying (a quart of ""Innocent"" OJ, roughly equivalent in presentation to the U.S. brand ""Simply Orange"", is £3 while Simply Orange is about the same price in USD for 2 quarts), and U.S.-brand ""fizzy drinks"" are similarly at a premium (£1.98 - over $3 - for a 2-liter bottle of Coca-Cola). With the general preference for room-temperature alcohol in Europe giving a big advantage to the longer unrefrigerated shelf lives of beer and wine, I'm going to guess you guys drink more alcohol and water with dinner than Americans. Beef is cheaper in the U.S., depending on where you are and what you're buying; prices for store-brand ground beef (you guys call it ""minced"") of the grade we'd use for hamburgers and sauces is about £6 per kilo in the UK, which works out to about $4.20/lb, when we're paying closer to $3/lb in most cities. I actually can't remember the last time I bought fresh chicken on the bone, but the average price I'm seeing in the UK is £10/kg ($7/lb) which sounds pretty steep. Anyway, it sounds like shopping for American tastes in the UK would cost, on average, between 25-30% more than here in the US, so applying that to my own family's food budget, you could easily justify spending £335 a month on food."


Visa and Mastercard offer a variety of benefits to their cardholders. It's all in the initial information that may come in one, two or more parcels describing the relationship the two of you are in. I can't enumerate the services, but it ranges from things like automatic rental car insurance to price matching. You'll really have to compare the product with your banks'.


"in the U.S. (for @Software Monkey) books are treated just like any other donation, you look at comparable sales: IRS Link. Sounds like a pain to do each book manually. TurbtoTax has ""ItsDeductable"" product that suppose to help you calculate the value of donated items."


Check out this Relevant Article.  Here's the first paragraph that answers your question: The opening and closing of bank (deposit) accounts doesn't affect your credit score. Your credit score is based on your lending relationships and public records, such as bankruptcy filings or court judgments recorded against you. The rest of the article goes into more detail.


No there aren't any such funds.


The catch is that you're doing a form of leveraged investing. In other words, you're gambling on the stock market using money that you've borrowed. While it's not as dangerous as say, getting money from a loan shark to play blackjack in Vegas, there is always the chance that markets can collapse and your investment's value will drop rapidly. The amount of risk really depends on what specific investments you choose and how diversified they are - if you buy only Canadian stocks then you're at risk of losing a lot if something happened to our economy. But if your Canadian equities only amount to 3.6% of your total (which is Canada's share of the world market), and you're holding stocks in many different countries then the diversification will reduce your overall risk.  The reason I mention that is because many people using the Smith Maneuver are only buying Canadian high-yield dividend stocks, so that they can use the dividends to accelerate the Smith Maneuver process (use the dividends to pay down the mortgage, then borrow more and invest it). They prefer Canadian equities because of preferential tax treatment of the dividend income (in non-registered accounts). But if something happened to those Canadian companies, they stand to lose much of the investment value and suddenly they have the extra debt (the amount borrowed from a HELOC, or from a re-advanceable mortgage) without enough value in the investments to offset it. This could mean that they will not be able to pay off the mortgage by the time they retire!


"That sounds like a particularly egregious version of exclusivity. However, the way that you could handle that is to include a ""contingency"" in your purchase agreement stating that your offer is contingent upon the seller paying the brokerage fee. The argument against this, and something your broker might use to encourage you not to do so, is that it makes your offer less attractive to the buyer. If they have two offers in hand for the same price, one with contingencies and one without, they will likely take the no-contingency offer. In my area, right now, house offers are being made without very common contingencies like a financing contingency (meaning you can back out if you can't finance the property) or an inspection contingency. So, if your market is really competitive, this may not work. One last thought is that you could also use this to negotiate with your broker. Simply say you're only sign this expecting that any offer would have such a contingency. If it's untenable in your current market, it will likely cause your broker to move on. Either way, I'd say you should push back and potentially talk to some other brokers. A good broker is worth their weight in gold, and a bad one will cost you a boat load. And if you're in Seattle, I'll introduce you to literally the best one in the world. :-)"


"That's all anecdotal. Actually, since you didn't cite any specific examples, it's not even anecdotal. Anyway, I can dig up plenty of anecdotes describing specific incidents of conservatives [rioting violently](http://thehill.com/blogs/pundits-blog/presidential-campaign/305749-republicans-employ-double-standard-to-discredit), and actively [censoring](https://www.youtube.com/watch?v=Z6sDqXRA5HI) or being [disruptive](https://www.youtube.com/watch?v=qgce06Yw2ro) towards people they disagree with as well (and ""as well"" is extremely generous, since you didn't cite any examples yourself).   But isolated incidents don't a pattern make. You want to make broad generalizations like that, you're going to need data demonstrating a significant trend. As I already commented, the linked article makes my point for me. Someone conservatives disagree with takes office and they all make a run for the gun store.    But of course you don't want to respond to this article. And this article is just describing gun sales, not actual violence. So let's see what the anti-defamation league has to say about conservative vs. liberal violence ([source](http://www.npr.org/2017/06/16/533255619/fact-check-is-left-wing-violence-rising)):  > ""The far left is very active in the United States, but it hasn't been particularly violent for some time,"" says Mark Pitcavage, a senior research fellow at the Anti-Defamation League's Center on Extremism.  > He says the numbers between the groups don't compare.  > ""In the past 10 years when you look at murders committed by domestic extremists in the United States of all types, right-wing extremists are responsible for about 74 percent of those murders,"" Pitcavage says.  So according to you (without any specific examples or citations of any kind): liberals are more prone to disruption and rioting. But according to the numbers, conservatives are prone to domestic terrorism and buying guns when politicians from the opposing party win elections.  But liberals are somehow the violent ones and I need to ""stop it.""  lol yourself."


"Just addressing the sending side: you should be able to make the transfer out of the UK tax-free, if you transfer to a ""Recognised Overseas Pension Scheme"" (ROPS). These were formerly called QROPS (""Qualifying..."") and a lot of online resources will talk about those. The basic idea is that as long as the overseas pension scheme guarantees to follow broadly similar rules to the UK system - e.g. not allowing you to withdraw your money before retirement age - then you can transfer to it. There's a list of these schemes on the HMRC website, but in theory you still have to check for yourself that they actually follow the relevant rules. I'm not sure how to do that in practice. There are only two USA providers listed, which suggests that transferring there isn't actually very common. The Wikipedia page suggests that in practice most people transfer to a scheme in a low-tax place like Gibraltar, rather than where they actually move to. I suspect that any move will be quite expensive in fees, and from your own answer it seems the USA won't recognise it as a transfer in anyway."


My basic rule of thumb is that if the the bill come from a government office of taxation, and that if you fail to pay the amount they can put a tax lien on the property it is a tax. for you the complication is in Pub530: Assessments for local benefits.    You cannot deduct amounts you pay for local benefits that tend to increase the value of your property.   Local benefits include the construction of streets, sidewalks, or   water and sewer systems. You must add these amounts to the basis of   your property.  You can, however, deduct assessments (or taxes) for   local benefits if they are for maintenance, repair, or interest   charges related to those benefits. An example is a charge to repair an   existing sidewalk and any interest included in that charge.  If only a   part of the assessment is for maintenance, repair, or interest   charges, you must be able to show the amount of that part to claim the   deduction. If you cannot show what part of the assessment is for   maintenance, repair, or interest charges, you cannot deduct any of it. An assessment for a local benefit may be listed as an item in your   real estate tax bill. If so, use the rules in this section to find how   much of it, if any, you can deduct. I have never seen a tax bill that said this amount is for new streets, and the rest i for things the IRS says you can deduct. The issue is that if the Center City tax bill is a separate line or a separate bill then does it count. I would go back to the first line of the quote from Pub 530: You cannot deduct amounts you pay for local benefits that tend to   increase the value of your property. Then I would look at the quote from the CCD web site: The Center City District (CCD) is a business improvement district. Our   mission is to keep Philadelphia's downtown, called Center City, clean,   safe, beautiful and fun. We provide security, cleaning and promotional   services that supplement, but do not replace, basic services provided   by the City of Philadelphia and the fundamental responsibilities of   property owners. CCD also makes physical improvements to the downtown, installing and maintaining lighting, > signs, banners, trees and landscape elements.  and later on the same page: CCD directly bills and collects mandatory payments from properties in   the district. CCD also receives voluntary contributions from the   owners of tax-exempt properties that benefit from our services. The issues is that it is a business improvement district (BID), and you aren't a business: I did find this document from the city of Philadelphia explain how to establish a BID: If the nature of the BID is such that organizers wish to include   residential properties within the district and make these properties   subject to the assessment, it may make sense to assess these   properties at a lower level than a commercial property, both because   BID services and benefits are business-focused, and because   owner-occupants often cannot treat NID assessments as tax-deductible   business expenses, like commercial owners do. Care must be taken to   ensure that the difference in commercial and residential assessment   rates is equitable, and complies with the requirements of the CEIA. from the same document: Funds for BID programs and services are generated from a special   assessment paid by the benefited property owners directly to the   organization that manages the BID’s activities. (Note: many leases   have a clause that allows property owners to pass the BID assessment   on to their tenants.) Because they are authorized by the City of   Philadelphia, the assessment levied by the BID becomes a legal   obligation of the property owner and failure to pay can result in the   filing of a lien. I have seen discussion that some BIDS can accept tax deductible donations. This means if a person itemizes they can deduct the donation. I would then feel comfortable deducting the tax because: If you can't deduct it that would mean the only people who can't deduct it are home owners.  So deduct it. (keep in mind I am not a tax professional)


"Sure, but it doesn't revolve around facebook or reddit, it doesn't revolve around twitter or snapchat or instagram stories..... the truth is all of these ""techies"" generally don't actually know a thing themselves about coding or computers, they just know how to touch screens and get results from algorithms the rich created.   That skill of doing basically nothing replaced a ton of real human capital that got things done."


Dealerships make a lot of money in the finance department.  One of the thing they play upon is your emotional reaction of purchasing a new vehicle (new to you in this case).  They perform all sorts of shenanigans, like adding undercoat, selling gap insurance, or extended warranties.  They entice you with a promise of a lower interest rate, but really what they are trying to do is back you into a payment.   So if you can fiance 20,000, but the car you are buying is 16,000, then they will try to move that figure up to the 20K mark.  In your case it sounded like some borderline (at the least) illegal activity they used to fool you into paying more.  It sounds like you regret this decision which puts you a step ahead of most.  How many people brag about the extended warranty or gap insurance they got included in the sale?   As mentioned in another answer the best bet is to go into the dealership with financing in place.  Say you were able to get a 3% loan on 16K.  The total interest would be ~1600.  If you avoid the finance room, you might avoid their dubious add ons that would probably cost you more then the 1600 even if you can get 0%.   If you are going to buy a car on time, my advice would be to not fill out a credit app at the dealership.  The dealership people through a conniption fit, but hold your ground.  If need be get up and walk out.  They won't let you leave. One thing I must mention, is that one feels very wealthy without that monthly pain in the a$$ payment for a car.  You may want to try and envision yourself without a car payment, and make steps to making that a reality for the rest of your life.


"It is such a touchy subject for many people, I have to say that simple ""set it and forget it"" kind of investing isn't likely in the near term. Instead, if this is something you believe in, treat it like any other business opportunity and do some detailed research into people operating in the field.  Look into their business plans and visit their operations.  If there is a plan, and idea, a team and the intangible it you might consider doing some direct investing with a local company. Basically become a small business owner, silent partner or investor.  If you believe in it go for it.  If you don't believe in it that much, I think this is a market somebody else needs to develop before we invest."


It is a lot easier to make money when you are not in debt. If you can sell the apartment, get rid of your existing mortgage and buy the new house outright, that is probably the best course of action.


If you are really worried your best bet is to move all your cash from Sterling into a foreign currency that you think will be resilient should Brexit occur. I would avoid the Euro! You could look at the US Dollar perhaps, make sure you are aware of the charges for moving the money over and back again, as you will at some stage probably want to get back into Sterling once it settles down, if it does indeed fall. Based on my experience on the stock markets (I am not a currency trader) I would expect the pound to fall fairly sharply on a vote for Brexit and the Euro to do the same.  Both would probably rebound quite quickly too as even if there is a Brexit vote it doesn't mean the UK Government will honour the outcome or take the steps quickly. ** I AM NOT A FINANCIAL ADVISOR AND HAVE NO QUALIFICATIONS AS SUCH **


Well this is where quite frankly from my layman's view, Cat is just trying to use the loopholes that the big IT firms use, goolgle etc....  They just weren't smart enough to transfer their intellectual property (blueprints etc) to Ireland and then claim that they owe every penny they make to the holder of their intellectual property in ireland etc....  it's all nutty, but honestly Cat just didn't do it right.


"The interest rate is determined by your 401(k) provider and your plan document.  Of course you may be able to influence this, depending on your relationship with the provider.  I'm very certain that prime+1% is not the only rate that is possible.  However, your provider is constrained by IRC 4975(d), which states that the loan must be made ""at a reasonable rate of interest.""   The definition of ""reasonable rate of interest"" would probably need to go to court and I do not know if it has.  The IRS probably has internal guidelines that determine who gets thrown to the dogs but they would not make those public because it takes away their discretion.  Because of the threat of getting pounded by the IRS, I think you will have a hard time getting a provider to allow super high or super low interest rate loans. Note: I am not a lawyer."


Really? You don't understand how sometimes doing something that makes you feel good actually harms you in the long run? Like eating or drinking too much, or taking commission on HFT while HFT undermines the utility and value of your product for the majority of the market?


">IMO some people have a ""natural aptitude"" for entrepreneurship - I don't know whether that's born or part of upbringing.    Is not something I said.      >Hopefully you would not have to face a tsunami.    Hopefully, I would have the foresight not to build my hut on a beach but we're all subject to random chance to some degree. There's a big difference between getting hit by a tsunami and not taking responsibility for your own career path, the subject of this thread."


"Also, in (5), is it considered unpaid wages? Because that's pretty high on the bankruptcy hierarchy.  No. It is near the bottom, in with unsecured debt. If you have access to the plan documents, see if the plan has the phrase ""rabbi trust"" anywhere in it. This means that the money is not kept comingled with the corporation's regular accounts, but is rather deposited with a financial institution (such as Fidelity)."


Hoping to get these questions answered by y’all, probably geared more towards someone who has experience with a retailer:  When a store physically closes, does that effect business in that surrounding area? This is kind of a branding issue I guess. And/or do online sales noticeably decline in that area?  I got curious from this because I’ve always noticed that L Brands (operates Victoria’s Secret & Bath and body Works) seems to be in many malls, even failing ones. I’ve since learned that this is actually their business model. But why? Would they have high rates of return if they were online? Increases in damages? (hard to resell shower gel and undies, even if you don’t know if they were used)  Or for specialty retailers is it important to the brand that they have a physical location for brand recognition?  Thanks to anyone for their time!


Candlesticks and TA are a relic of pre-computer trading, period. Market makers use sophisticated algorithms not for trading, but manipulations.


Hi We are looking to connect with UK medical technology companies and other relevant people who could help us complete a project we are currently working on.  We are currently representatives of a consortium of Drs based in the Middle East and Iran.    With the lifting of international sanctions by the 5+1 group of nations and JCPOA in early 2016, on Iran, has resulted in our clients being very interested in purchasing and becoming official distributors off medical equipment from the UK.  I have had some lengthy discussions with this team in Dubai and Tehran, and I'm told the the domestic Persian market has a very deep sense of of affiliation with German, Italian and French companies, whom have been involved more in the Persian Gulf region than Britain since 2012.  One key point I did however notice is the demand and respect that British Tech commands.  This has encouraged our team to take on this project to help these guys access the products they require.   They are interested in buying from UK manufacturing and reselling it as official distributors to the domestic Persian markets 80million population.    They are also very interested in collaborating with and acquiring the licences to UK medical technologies, which they would like to then buy the rights too or licence/franchise for their locality and they have the capacity to invest in manufacturing this product in the Middle East, working in conjunction with the UK companies.  An example of how this has worked in the past is the French car manufacturer working in collaboration with Iranian Engineering company to produce and manufacture Peugeot Pars car.  Which looks very much like a peugeot 405 but is infact designed and developed  specifically for the local market and is also manufactured locally.  This is a huge success and we feel we can imitate its success in our plan too.  I have been in discussions with a number of sources where I could possibly complete this project through.  I have come to know from my research globally within this sector that there are approx 3500 medical technology companies registered in the UK.   All specialising in various fields.  I was wondering is there a database anywhere which I can't access to see whom and where these companies are exactly in the UK.    I have until now  established that between 70-80% of companies worldwide in MED Tech field are based in or affiliated with either the USA or Israel,  with the majority of the remaining 20% of companies being European or Japanese.  There are also many collaborations between Euro companies which was quiet pleasing for me to see.    We fully understand that the USA under Trump have reinstated the sanction for USA.  However our understanding is that we in the UK are not at present restricted by Sanctions to trade with Iranian companies.   We strongly feel that the British medical technology sector here in the UK could benefit considerably it could also help It to progress  and grow to take a bigger global Market share as well bring in 100s of millions in revenues for the UK economy.  We strongly feel that with Brexit negotiations in the pipeline, as well as the geo political situation that the world finds itself in right now, that this is the right time to work in collaboration with this consortium and help them with completion of this project successfully and lawfully.  We strongly feel though that the due diligence carried in any trade deals needs to be within a framework of EU, UK regulations and in compliance with any UN or other sanctions we are un aware off.  We had been planning to use due diligence guidelines from the USA when dealing with Iranian companies, however we feel this is the main reason why France and Germany along with Italy are winning all the contracts in Iran, and with the help of relevant government departments we would like to develop our own plan for this based on the current situation.  We would like this to be the beginning of a number of high level trade deals we are in negotiations with right now with high level Middle Eastern business consortiums, in Dubai, Doha, Muscat, Tehran, Kuwait.    We feel Britain has missed it to France and Germany when it comes to Iran, and would like to work with all the relevant departments to create a due diligence plan which is effective and helps us reach our goals.  I would appreciate any advice you can give us in this respect.  Thanks  Alfie Star Senior project manager  alfie.star@commodustrade.com  http://www.commodustrade.com


I am trying to understand the mindset of these authors.  They cite the research that shows top-10% companies in a given industry are much more productive than others, especially compared to the bottom 10%. OK, that's to be expected. That's why they are in the top 10%.  They employees in those top-tier companies get paid more. Again, standard economics. Marginally higher productivity results in marginally higher wages. Got it.  Then the concluding paragraph says:  > This is the conundrum that policy makers have to solve: Productivity gaps create inequality. Public policy can and should help. But in trying to protect workers, policies might well endanger future productivity growth, and with it, workers’ prospects.  Well, yeah. If you subsidize firms and employees that aren't competitive then you get... less productivity and earnings.  God damn communists.  How about instead you let people work it out in the marketplace. Those that can't keep up will fail and move on to other things. Yes, that temporary situation sucks for the people involved. It's Schumpeter's creative destruction in action.


Dollar Cost Averaging isn't usually the best idea for lump sum investment unless your risk tolerance is very low or your time horizons are low (in which case is the stock market the right place for your money). Usually you will do better by investing immediately. There are lots of articles around on the web about why DCA doesn't work over the long term. http://en.wikipedia.org/wiki/Dollar_cost_averaging http://www.efmoody.com/planning/dollarcost.html


"This whole thread stinks of entitlement. The reddit hivemind has gotten into its head this misguided notion that we all *deserve* to be able to borrow money from banks, credit card companies, the government and so forth to do things we want, and that if we can't pay it off - well, so what?? They're ""big guys!"" I'm a ""little guy!"" Screw them! I should get off free!  You don't have to be an Ayn Rand-ite (and I'm not) to see how this kind of ""logic"" is insane. If you sign a contract, you have to honor it. Period. Sure, the banks that try to sell you crazy loans are annoying, but no one's sticking a gun to your head, and it's certainly not their responsibility when you come up short. Bankruptcy is a sign that you have poorly handled your finances and/or life decisions, which is precisely why it (rightly) craters your credit score. If you can't grasp why bankruptcy has different implications, and thus is handled differently, for incorporated businesses, then **(facepalm)** you don't get it.  This isn't to say that bankruptcy law, as well as consumer debt finance, couldn't be better regulated/improved. It could. But reddit loves to use this stuff as an excuse for bitching and whining about how unfair it is that we have to actually pay back student loans/mortgages/cards/etc. that we, you know, actually promised to pay back. It's fucking inane.  tl;dr: Hate credit card debt? Don't accumulate it in the first place."


Let me give you the benefit of my experience. I paid a bunch of points (4) when I bought my first house for similar reasons than you mentioned including: Why I wish I hadn't: (1) Interest rates plummeted (not as likely to happen today) and I wound up refinancing the loan within the fist 10 years negating the savings that I would have had over the life of the loan. Also, it made me feel stupid for paying close to $5K to knock 1% or so off the loan rate only to have an even lower rate offered to me with no points within a decade. (2) I didn't take into account that I'm the type of person who would try to pay the loan off early, and I did. Way Early. So even if I hadn't refinanced, the extra points were really a waste of money. (3) In the US, at least, you can't always deduct ALL of the money you paid in points in the first year. You may have to spread that deduction over several years. (4) You are right about the alternative being better (investing the points), since the benefit of paying them is at most 1-2% on your loan, you don't even need a 6-7% return to make it a better deal to invest them. HOWEVER, I get skeptical when people compare paying interest to returns on invested money like that. If you don't pay the points will you actually invest that money for the 30 years (or whatever the term of the loan is)? It's easy to say that when you are talking theoreticals, but $5k in your pocket is also pretty tempting when the deal is done. Good luck with the new house!


The bars have moved over time, if you were born in 1960's you are now considered to be a gen X, the first boom came very quickly after the war so they would be 24 in 1970. Since fewer people went to college, they were buying homes, but the recession put a damper on the home buying. The 1970's are famous for stagflation with high inflation and high jobless rates! High interest rates were common in the late 1970's and 1980's


There are too many qualifying questions like martial status, dependent status, annual income, etc. Your answer is most likely in the Form Pub 970 you referenced: Adjustments to Qualified Education Expenses If you pay qualified education expenses with certain tax-free funds,   you cannot claim a deduction for those amounts If the grant is tax free, you can not claim deductions up to that amount. Even if you were able to expense all the educational expenses you list, I doubt you can exceed the grant disbursement disbursement amount. I'm not a tax professional, so take my advice for what it is worth.


Your best bet is to pay for title insurance. If you do the same search as the title company, you'll probably find (and miss) the same things they would. By letting a title company do the search and paying for their title insurance, you're covered in case something else surfaces. In a case like this you should be getting a good enough discount, don't take the risk of doing the search yourself.


Back when Best Buy first came to my area, when I was a wee sprat, I recall watching Best Buy commercials representing/discussing their no pressure sales atmosphere. Basically they were saying they would have sales staff on the floor, but nobody forcing you these pitches like you'll get at other stores. I really liked the idea. Of course it would occasionally lead to me having questions in Best Buy stores and no employees available or around to answer them. Good policy, bad practice.


If you're willing to take on higher risk than a corporate investor (you have to be) and you are smart it's way easier to operate as an individual. Your position/strategy is SO much easier to execute just simply based on trade size, you have relatively no overhead. You won't impact the market at all which is where a heavy hitter might have an advantage, other than that you are in a better position in terms of return vs investment.


Short answer: Liquidity. Well, you have to see it from an exchange's point of view.  Every contract they put up is a liability to them.  You have to allocate resources for the order book, the matching engine, the clearing, etc.  But only if the contract is actually trading they start earning (the big) money. Now for every new expiry they engage a long term commitment and it might take years for an option chain to be widely accepted (and hence before they're profitable).  Compare the volumes and open interests of big chains versus the weeklies and you'll find that weeklies can still be considered illiquid compared to their monthly cousins. Having said that, like many things, this is just a question of demand.  If there's a strong urge to trade July weeklies one day, there will be an option chain.  But, personally I think, as long as there are the summer doldrums there will be no rush to ask for Jul and Aug chains.


How high is high? In countries that suffered hyperinflation such as the Weimar Republic around 1923 and Zimbabwe around the late 1990s this certainly did happen on a daily basis. E.g. One boy, who was sent to buy two bread buns, stopped to play football and by the time he got to the shop, the price had gone up, so he could only afford to buy one. or One father set out for Berlin to buy a pair of shoes. When he got there, he could only afford a cup of coffee and the bus fare home. or At the height of the country's economic crisis that year, prices were rising at least twice day, with Zimbabweans forced to carry cash around in plastic bags just to buy basic items.


My thoughts from the top:  1. If you're already long, which not just buy-write? if you want to sit on the portfolio for some time with little rebalancing collecting some option premiums might not be bad?  2. You can replicate this portfolio on a rolling basis through bull spreads, which should hedge (or at least reduce) your theta and give you some of that sweet sweet convexity, however you will need a large enough size to cover your transaction costs.  3. I agree with maximizing mean / lower semi var (most kids max mean/var)) so good move there. However you need estimates of expected return (not easy!) and semi var (easier). Look into using GARCH (or a form of it) on the semi var for a better estimator.  4. Is this an MSR portfolio? How do you determine your weights?  5. In terms of sizing/leverage,  Remember the betting condition that equity needs to be positive for all time. How are you planning to limit your max DD? and how often do you plan on rebalancing/rebetting.


The Romanian mountains are very steep, with extremely different geography, offering great scenes and genuine high encounters.  mountain biking in Transylvania Romania We've been directing individuals coming here from everywhere throughout the world, be it for climbing, trekking, biking, and more. We have confidence in a reasonable business approach. Our visitors ought to have an awesome time while mountain biking in Romania, our convenience, transportation suppliers ought to be upbeat, and we ought to be happy with our work and advantages.


I'm answering your second and third point. For first point it depends on case by case basis from which organization you are opening your trust. Trust Account are of different type: To earn interest you account should be of below type. Interest in possession trusts and Income Tax Trustees are responsible for declaring and paying Income Tax on income received by the trust. They do this on a Trust and Estate Tax Return each year. There are different rates depending on the type of income - as shown below. Type of income     Income Tax rate 2014 to 2015 tax year Rent, trading and savings     20% (basic rate) UK dividends (such as income from stocks and shares)  10% (dividend ordinary rate)


"With debts exceeding assets by a billion dollars, this activity likely comes from penny stock speculators and ""pump and dump"" schemers. There is no rational expectation that the stock is even worth multiple pennies when the company is that far upside-down on its debts. Even if the debts could be restructured in a chapter 11, the equity shares would likely lose all of their value in the bankruptcy proceedings. Shareholders are at the bottom of the totem-pole when debts are being adjusted by the courts."


"The other option apart from the above which I feel is quite good is ""Travel Card"" [also called Forex Card] issued in USD. These cards are like prepaid debit cards. They are available from almost quite a few Indian Banks like HDFC / ICICI / UTI. The limit for students is around 100 K USD per year.  http://www.hdfcbank.com/personal/cards/prepaid_cards/forexplus_card/pre_forex_elg.htm The card can be reloaded by any amount [i think the minimum is USD 100] by visiting the Branch or certain Forex agents. There loading fee is INR 75. The Fx is typical Card Rate prevailing on the day. In US this card can be used as a credit card for almost everything [I have used this without any hassel]. Avoid using the card for blocking anything [at Hotel for room booking, or initial block at car rentals]. Although its mentioned that there is a withdrawl fees, i was never charged anything for withdrawls. The card comes with an internet based login to monitor account balance and transactions. Any unused funds can be withdrawn in India. The payment will be make in INR."


Waddler said it right, it depends on whether or not it is going against asset or liability. Your salary is said to be credited in bank's term, whereby the bank experiences a increase in its liability (your bank deposits) and hence its a credit for them. We usually understand that its a credit for us, however not. This is what I understand. Here is an article I found in this context. http://www.quickmba.com/accounting/fin/debits-credits/


Intuit has a pretty good write-up on this subject. As you noted, you are allowed to exceed your limit by $2000 (though this overcontribution is not tax-deductible). Also, your contribution room accumulates. So, you may be able to contribute $18k for the 2015 tax year, but if you have unused space from previous tax years, you can make use of that, too. If you discover you have indeed overcontributed, you may be eligible for a waiver. The CRA looks kindly on honest mistakes. Consider talking to a tax accountant, and then calling up the CRA and discussing it with them. If you are not eligible for a waiver on the excess, you need the form T1-OVP. This lets you declare the excess contributions and pay the tax on it. You also need to withdraw the excess from your RRSP and may need to provide evidence of this withdrawal. Again, strongly consider talking to an accountant and to the CRA (who are surprisingly polite and helpful on the phone). 1% penalty per month can quickly get expensive and now's the time to ensure you have your ducks in a row.


Do you need such a detailed budget?  I have found that a detailed budget creates two problems: I would suggest starting simple, and adding complexity as you discover you need it.  Create a budget with just a few categories Then, I enforce my budget with my auto deposit.   My required expenses, which I have a pretty good notion of the total amount get paid from one online bank.  Enough money goes in and I electronically pay. Retirement money and e-fund money get deposited into the brokerage and credit union where I keep those piles at. Finally, my optional expenses go into a second bank (I am using simple.com at the moment) and I spend from there with a card.  They have a nice reporting feature, and if I want to save up for a toy or something I save up there.  Bonuses and other extra income end up there as well.  This way, I really only have to monitor the last account to see if I can have fun or buy a new item. My bills and retirement are different pools of money, and I don't carry around a card that can access that money.


Credit Unions are structured such that the account holders are in fact the owners of the institution. Thus, the money invested in your savings account is in fact a share of ownership, and the interest paid to you is dividend. Tax-wise, these dividends are usually treated as interest income.


I think you'd have to take out war economies to get a clearer picture.. (Although I'm not sure if that's possible) Then look at economic cycles/policies over the course of 100 years. I think you'd find that polices enacted, cycles, mature independent of presidential terms.


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"Simply put, you cannot deterministically beat the market. If by being informed and following all relevant news, you can arrive at the conclusion that company A will likely outperform company B in the future, then having A stocks should be better than having B stocks or any (e.g., index based) mix of them. But as the whole market has access to the very same information and will arrive at the same conclusion (provided it is logically sound), ""everybody"" will want A stocks, which thus become expensive to the point where the expected return is average again.  Your only options of winning this race are to be the very first to have the important information (insider trade), or to arrive at different logical conclusions than the rest of the world (which boils down do making decisions that are not logically sound - good luck with that - or assuming that almost everybody else is not logically sound - go figure)."


Option liquidity and underlying liquidity tend to go hand in hand. According to regulation, what kinds of issues can have options even trading are restricted by volume and cost due to registration with the authorities. Studies have shown that the introduction of option trading causes a spike in underlying trading. Market makers and the like can provide more option liquidity if there is more underlying and option liquidity, a reflexive relationship. The cost to provide liquidity is directly related to the cost for liquidity providers to hedge, as evidenced by the bid ask spread. Liquidity providers in option markets prefer to hedge mostly with other options, hedging residual greeks with other assets such as the underlying, volatility, time, interest rates, etc because trading costs are lower since the two offsetting options hedge most of each other out, requiring less trading in the other assets.


At Pop Up Tee, you can find a wide range of gym t-shirts available in different styles and designs.  Wearing right clothing for your gym sessions can help you last long hours and furthermore protect your health. Needless to say, you can look extremely fashionable with our gym t-shirts.


When I walk into a Sears or K-Mart, I feel like I am stepping back 30 years.  Some of their stores are downright neglected.  If they want to compete, they have to remodel their physical stores, remodel their sales tactics, and probably change names.  None of which anyone is going to loan them any money to do, at this point.  Short stock, anyone?


This will die at the supreme court. Every legal scholar knows you cannot sign away your rights.   The people responsible for this assault on our constitutional rights will no doubt find themselves in hell until they learn right from wrong.


"> As far as Palestine is concerned, there is no justification for Apache helicopters and F-16s to bomb unarmed women and children,   No kidding!   Tell that to the ""Palestinians""!  If ""Palestinians"" did not shoot 100s of missiles on Israeli civilians, women and children, then Israel would not shoot at them... like now.  Trust me: if Israel, with one of the best armies and most equiped armies in the world want to killd women and children, they could have done a much better ""job"".  So, basically, you have no clue what you are talking about: ""Palestinians"", Israel, North Korea and 9/11."


"What you are doing is neither one.  You are simply watching to make sure you don't overdraw, which itself suggests you might be living hand to mouth and not saving.  Keeping track of your money and budgeting are useful tools which help people get on top of their money.  Which tends to have the effect of allowing you to save.   How much did you spend on groceries last month? Eating out? Gas? If you were ""keeping track of your money"", you could say immediately what you spent, and whether that is above or below average, and why.  How much do you plan to spend in the next 3 months on gas, groceries, eating out?  If you knew the answer to that question, then you would have a ""budget"".   And if those months go by, and your budget proves to have been accurate, or educates you as to what went wrong so you can learn and fix it... then your budget is a functioning document that is helping you master your money.  Certainly the more powerful of the two is the ""keeping track"", or accounting of what has happened to you so far.   It's important that you keep track of every penny without letting stuff ""slip through the cracks"".   Here you can use proper accounting techniques and maybe accounting software, just like businesses do where they reconcile their accounting against their bank statements and wallet cash. I shortcut that a little.  I buy gift cards for McDonalds, Panera, Starbucks, etc. and buy my meals with those.  That way, I only have one transaction to log, $40 - McDonalds gift card instead of a dozen little meals.  It works perfectly fine since I know all that money went to fast food.  A little more dangerous is that I treat wallet cash the same way, logging say two monthly entries of $100 to cash rather than 50 little transactions of left $1 tip at restaurant.  This only works because cash is a tiny part of my overall expenditures - not worth accounting.  If it added up to a significant part, I'd want accounting on that."


Agreed, I return a lot of shit to Amazon. I'm about to try to return some windshield wipers because it said they should fit my car -- any other site would be a hassle...  But I'm still looking for an alternative because i'm cheap.


I do think you know how communism works.  You are looking for the word 'socialism,' I believe.   Examples:  Communism Healthcare - Government is the ENTIRE healthcare system. So you get only one source.  Socialism Healthcare - Government regulated/augmented healthcare system/market. You'll get different sources from the market and some standard services from the gov, but it all needs to meet standards and regulations SET by the gov.


The latest version of Office for Mac is much improved, but still falls well short of the Windows version.  Biggest issue is keyboard shortcuts - they are all either different or missing. Everything takes soooo much longer to do manually.  Plugins are also another issue. The MS charts are horrible and I can't find a good charting plugin for Macs.  You can build models on a Mac, and I sometimes do, but if you do a lot of serious modelling you'd be well advised to install Windows.


Not necessarily. You can issue credit cards without a bank involved, although companies which do so may have additional legal complications, such as usury regulations. As an example, AmEx is a network which also issues cards themselves. The company is not a bank; they sold their banking subsidiary in 2007. It's also possible to get a bank-issued credit card without banking with that same company.


Ok, so as a result of the Equifax breach I placed a credit freeze on all my accounts. Just to verify my understanding, if in the future I want to apply for a home loan, open a new bank account, etc... I need to individually unfreeze my accounts with each of the credit companies right? (e.g. I can't just unfreeze one, I have to unfreeze them all)


"The recording industry has a long and storied history of knee-jerk, ignorant Ludditism. If they'd had their way we would have no home recording devices of any kind, among other things. Cable TV might not even exist.  The reason is easy to grasp: their business model is based around an artificial scarcity created by a temporary technological limitation, namely the fact that it once cost a lot of money to record media. Instead of looking for newer business models, they've repeatedly dug their heels in and yelled ""get off my lawn!"" Why do Apple and Amazon own digital music and not Sony or BMG? The answer is obvious."


> Because /u/Wanderer360 is the one who turned this into a political issue, as if the monopolies mentioned in the article had suddenly sprung up on November 8th 2016.   I read the comment several times and don’t see anywhere that /u/Wanderer360 has stated or implied that the monopolies are so recent. You also pegged them as having a Democratic leaning but they never claimed any such stance.  > Its not a political issue, it’s a government issue, and both sides are to blame since they allowed legislation that makes it easier for monopolies to keep competitors out of a market place. If you drain the swamp, then their will be more competition.  Maybe you didn’t understand the comment the same way I did. /u/Wanderer360 is saying the structure allowing only two parties to maintain the control of government is part of the problem. You’re saying that both sides are to blame. They’re saying that the problem is we have no viable alternative to the the two sides that could propose significant changes.  Really, it seems like your both arguing the same point from different angles.


I went through this too. There's a safe-harbor provision. If you prepay as estimated tax payments, 110% of your previous year's tax liability, there's no penalty for underpayment of the big liquidity-event tax liability.  https://www.irs.gov/publications/p17/ch04.html That's with the feds. Your state may have different rules. You would be very wise indeed to hire an accountant to prepare your return this year. If I were you I'd ask your company's CFO or finance chief to suggest somebody.   Congratulations, by the way.


Regular wire transfer from bank to bank would be the easiest, safest, and likely the cheapest (next to carrying cash over the border) method. Get the SWIFT info from the US bank you want the many land in (I believe all of the ones you mentioned support SWIFT wire transfers), and give it to your family in China. They'll have to find a local bank that supports SWIFT out-going transfers (might not be as easy as in the US) and send it out from there. Other, more expensive, options would be Western Union/MoneyGram. Or carrying cash over the border, which in these amounts can trigger some questioning from the authorities.


The amount of made up bullshit you have come up with is getting to Trump level.  As really at this point there's no point in continuing with the amount of bullshit you are spewing.  And no you didn't win at all, but I know you will think otherwise.


Customers are regularly confused by software pricing. Microsoft's Windows, for example. Either they're dumb and shouldn't confuse the customers or they know what they're doing. I'm betting the latter.  At 99 bucks, a product can seem expensive, but if the other offerings are 89 and 150, 99 seems like you're saving a lot on the 150 while only paying a bit more than the 99. Yet without those other options, 99 might seem expensive.  Business consumers are more likely to pay more so you can gouge them with the Enterprise edition at 150. 99 for the gold edition and 89 for lite. 99 will sell great and if that's what you were hoping for in the first place, that's good anchoring.  Don't think of the premium getting cannibalised. Just thing of the premium edition as a way to capture the consumer surplus of businesses.


"Wealth and GDP aren't the same - it's like saying your salary is your wealth, when in reality your wealth can be much greater or much less. For a point of comparison, there is about 200T globally in financial assets alone, not including things like real estate, commodities, or other real assets (infrastructure, machinery, etc., although certainly a lot of that will be accounted for in financial assets like owning the stock of a company that owns a factory).   A couple more years and I'll give it a ""plausible"" (although I have no idea what kind of return you could get on financial assets prior to the modern banking system, certainly not 5%).    Edit: ha, if he had invested in 1343 he would have been caught up in one of the first bank failures in 1345... Would have capped out at about $1.10 http://en.m.wikipedia.org/wiki/Peruzzi  Edit again: turns out it was illegal to charge or earn interest on money in England until 1545."


As long as you don't finance and the payment is upfront, its up to you and your customer how to pay. If you provide the product before the payment is being made or finance in any way (i.e.: there's debt), then the Canadian dollar, being legal tender in Canada, must be accepted. Considering the large amount, you would probably not be accepting cash anyway, so the point is moot. How they pay their credit cards is not your problem. However, do take into the account the currency exchange rates and fees that add costs to purchasing your product. If you don't have any physical presence (i.e.: online store only, no physical location on Canadian soil), then it goes by the rules of the jurisdiction where you've incorporated. Check with the local legal professional to be sure.


Declare it illegal, and make it a crime to exchange it for legal currency.  That may not kill bitcoin itself, but if you can't exchange it for dollars it's useless.  If you don't think they can just ban whatever they want, read up on online poker in the US.


Let's assume that the bonds have a par value of $1,000.  If conversion happens, then one bond would be converted into 500 shares.  The price in the market is unimportant.  Regardless of the share price in the market, the income per share would be increased by the absence of $70 in interest expense.  It would be decreased by the lost tax deduction.  It would be further diluted by the increase in 500 shares.  Likewise, the debt would be extinguished and the equity section increased.  Whether it increased or decreased on a per share basis would depend upon the average amount paid in per share in the currently existing structure, adjusted for changes in retained earnings since the initial offering and for any treasury shares. There would be a loss in value, generally, if it is trading far from $2.00 because it would be valued based on the market price.  Had the bond not converted, it would trade in the market as a pure bond if the stock price is far below the strike price and as an ordinary pure bond plus a premium if near enough to the strike price in a manner that depends upon the time remaining under the conversion privilege.   I cannot think of a general case where someone would want to convert below strike and indeed, barring a very strange tax, inheritance or legal situation (such as a weird divorce), I cannot think of a case where it would make sense.  It often does not make sense to convert far from maturity either as the option premium only vanishes well above $2.  The primary case for conversion would be where the after-tax dividend is greater than the after-tax interest payment.


Well that is another story altogether.   Cynically, I would say that having HK as an international financial center under Chinese sovereignty makes it easy for officials within the CCP to launder money outside the country, because most people with money in China want to go elsewhere, or because they feel uneasy about their chances of being shot for corruption. Why, even Xi Dada has his two flats in the Grand Hyatt here...  But HK is in trouble because this might not be reason enough...


What do you actually want to DO?  If you're not going to be a financial analyst, and if you're not willing to commit 10-20 years literally clawing your way up a very narrow ladder with stiff competition, I wouldn't do it.  Go the accounting route, get your MBA and CPA and make it easy on yourself.


"Rolling an old 401k into a new 401k is generally only for ease of management. For example, how many bank accounts do you really want? As long as the funds are reasonably allocated I've found it can be a useful ""mind game"" to leave it separate. Sometimes it's desirable to ignore an account and let it grow, and it is a nice surprise when finally adding all the account balances together. In other words, I keep thinking I've got X (the amount of my biggest or current 401k), which affects/helps my habits and desire to save. When I add them all together I'm shocked to find out I've got Y (the total of all accounts). Personally, I've had big paperwork problems transferring an old 403b (same type process as 401k) even when I had an adviser helping me move it. In the end it was worth moving it, because I'm having the adviser manage it. I'm actually writing this answer specifically because I recently moved a big 401k into a Traditional IRA. A rep from the brokerage, representing my previous employer, kept calling me to find out how they could help (I didn't brush him off). I found that using an IRA provided me with the opportunity to do self-guided investments in funds or even individual stocks, well beyond the limited selection of the old company's 401k. It was useful/interesting to me to invest in low-fee vehicles such as index funds (ie: the Buffett recommendation), and I'll find some stocks as well. Oh and when the old company 401k has certain funds being discontinued, I didn't want to notice the mandated changes years later. So, I'd suggest you consider management and flexibility of the 401k or equivalent, and any of your special personal circumstances/goals. If you end up with a few retirement accounts, I suggest you use an account aggregating website to see or follow your net worth. I know many who, based on various concerns and their portfolio, find an acceptable website to use."


Dollar General has wanted this forever. They got scared and made a sudden move when they saw Dollar Tree slide in.  But regardless, all three are in trouble. Walmart is looking to set up smaller shops to compete with the dollar stores, and that spells danger for the whole industry. Expect even more downward pricing, somehow.


One wonders how quick Trump will be to deflect any connection to the markets when they inevitably turn.   For this very reason, past Presidents tended to be very cautious about connecting their job to something that they only have a very distant and tenuous connection to.


"As I stated in my comment, options are futures, but with the twist that you're allowed to say no to the agreed-on transaction; if the market offers you a better deal on whatever you had contracted to buy or sell, you have the option of simply letting it expire. Options therefore are the insurance policy of the free market. You negotiate a future price (actually you usually take what you can get if you're an individual investor; the institutional fund managers get to negotiate because they're moving billions around every day), then you pay the other guy up front for the right of refusal later. How much you pay depends on how likely the person giving you this option is to have to make good on it; if your position looks like a sure thing, an option's going to be very expensive (and if it's such a sure thing, you should just make your move on the spot market; it's thus useful to track futures prices to see where the various big players are predicting that your portfolio will move). A put option, which is an option for you to sell something at a future price, is a hedge against loss of value of your portfolio. You can take one out on any single item in your portfolio, or against a portion or even your entire portfolio. If the stock loses value such that the contract price is better than the market price as of the delivery date of the contract, you execute the option; otherwise, you let it expire. A call option, which is an option to buy something at a future price, is a hedge against rising costs. The rough analog is a ""pre-order"" in retail (but more like a ""holding fee""). They're unusual in portfolio management but can be useful when moving money around in more complex ways. Basically, if you need to guarantee that you will not pay more than a certain per-share price to buy something in the future, you buy a call option. If the spot price as of the delivery date is less than the contract price, you buy from the market and ignore the contract, while if prices have soared, you exercise it and get the lower contract price. Stock options, offered as benefits in many companies, are a specific form of call option with very generous terms for whomever holds them. A swaption, basically a put and a call rolled into one, allows you to trade something for something else. Call it the free market's ""exchange policy"". For a price, if a security you currently hold loses value, you can exchange it for something else that you predicted would become more valuable at the same time. One example might be airline stocks and crude oil; when crude spikes, airline stocks generally suffer, and you can take advantage of this, if it happens, with a swaption to sell your airline stocks for crude oil certificates. There are many such closely-related inverse positions in the market, such as between various currencies, between stocks and commodities (gold is inversely related to pretty much everything else), and even straight-up cash-for-bad-debt arrangements (credit-default swaps, which we heard so much about in 2008)."


Is it POSSIBLE? Of course. I don't even need to do any research to prove that. Just some mathematical reasoning: Take the S&P 500. Find the performance of each stock in that list over whatever time period you want to use for your experiment. Now select some number of the best-performing stocks from the list -- any number less than 500. By definition, the X best must be better than or equal to the average. Assuming all the stocks on the S&P did not have EXACTLY the same performance, these 10 must be better than average. You now have a diversified portfolio that performed better than the S&P 500 index fund. Of course as they always say in a prospectus, past performance is not a guarantee of future performance.  It's certainly possible to do. The question is, if YOU selected the stocks making up a diversified portfolio, would your selections do better than an index fund?


how much taxes would I pay on my income from the rent they would pay me? The same as on any other income. California doesn't have any special taxes for rental/passive income. Bothe CA and the Federal tax laws do have special treatment, but it is for losses from rental. Income is considered unearned regular income and is taxed at regular brackets. Would I be able to deduct the cost of the mortgage from the rental income? The cost of mortgage, yes. I.e.: the interest you pay. Similarly you can deduct any other expense needed to maintain the property. This is assuming you're renting it out at FMV. If not, would I pay the ordinary income tax on that income? In particular, would I pay CA income tax on it, even though the property would be in WA? Yes. Don't know how WA taxes rental income, but since you are a California tax resident - you will definitely be taxed by California on this, as part of your worldwide income.


You might consider calling the broker you invest with. At mine, you can see the room left to contribute each year in the TFSA. The CRA might just have old/bad data.


When a contractor needs mortgage they usually consult brokers for a meaningful solution. But sometimes they hit road bumps and several obstacles because of many reasons. So, we spoke with some famous contractor mortgage brokers across UK,  and they gave us some important tips and suggestions.


Not necessarily, just because a tax rate is low and the potential monetary gain in the short-term is high, that doesn't mean that stock buybacks are in the best interest of shareholders, the general populace, or the American economy. The speaker implied that these actions were nefarious, just because the pie is on the window sill it doesn't mean you should take it.


You can choose to pay your mortgage instead of another bill, or vice versa.  Your net will change from month to month while your gross is relatively static. I can make a bunch of promises to my load officer about my expenses, but it is very difficult to verify.  Moreover, it is pretty hard to give your net income and plan for emergencies. So for the sake of reliability, verifiability, and general ease a lender will look at your gross. YOU should definitely look at your net when deciding if you can afford a loan.


**Absolutely do not ever use one of these loans**. These loans will lead you down a long road of huge interest and credit trouble. They are nothing more then legal loan sharks. But I'm sure I don't have to tell the people of /r/finance this. Do I?


I'd think the first question here is: Did they overpay you? And if so, what were the circumstances? At one extreme: If you lied on your timesheet and said you worked 50 hours when really you only worked 40, and they paid you for 50 hours, and now they've figured out that you didn't really work those overtime hours, then yes, they overpaid you and you owe them the money. Or if you reported your time accurately but they made an honest mistake, like you worked 30 hours but for whatever reason they paid you for 40, then they really did overpay you and you owe them the money. Or if a check was just mis-printed because their computer system screwed up or something, sorry, you don't get to keep the money. Yes, we all have fantasies about the bank accidentally adding a million dollars to our balance and somehow we get to keep the money, but sorry, it doesn't work that way in real life. If there's been a mistake, once they figure out the mistake, you have to give the money back. If it's something more complicated, it might be debatable.  If you're not sure what the details are, find out the details and investigate. Do you have any evidence that what they are saying is not true? How much money is involved? If we're talking $20, it's not worth going to court over. You'd have to pay a lawyer way more than the $20. A court MIGHT order the company to pay your court costs if you won, but they might not. And if you lost, you could have to pay their court costs, which could be way more than any possible gain. There are times when it's better to just eat the loss and get on with your life. Of course, the same could be said from the other side: If the amount of money is small and the case is debatable and you refuse to hand over the cash, they may just give up figuring it's not worth the trouble. I don't know that I'd want to gamble on that, though. If there is serious money involved, at least several thousand dollars, then it could make sense to talk to a lawyer if you think you have a case.


Transfer of Millions of USD in and out is not possible for Individuals. There are limits on how much money an individual Indian Ordinary Citizen can send or receive. If an corporate wants to send money, depending on the services offered, they would have to initiate a SWIFT transaction. It typically takes 2-3 days for settlement of International wire.


All your needs related to pool fencing will get fulfilled at this company. An expert installer will provide you with an obligation-free measure and quote. You will get toughened glass that is 6mm thicker and four times stronger than standard float glass.


It's extremely divisible. The smallest unit is 0.00000001 BTC. This smallest unit is called a satoshi, after the pseudonym of the inventor of Bitcoin.  I suggested to my friends and family back in mid 2015 that they invest a little of their money. Nobody did. Back then I bought 21 BTC at around $600 USD/BTC for a total value of slightly less than $13k USD. Currently it's worth over $90k. I can't tell you how many of them say they wish they had listened to me. Then when I tell them they should still buy they think it's too late. It's not.


Our restaurants are the best in Lincoln, we provide the different types of the Asian food and affordable prices. If you celebrate a party, then you can come to with friends. Restaurants in downtown Lincoln, Time with our friends and loved ones is valuable and we are all about providing an extraordinary experience. Whether you're planning a girls night out or celebrating a special evening, we offer everything you need to make your private party. Our talented staff will help you awaken your inner artist as you enjoy.


We all live in a smart world and this technically smart world is operated on mainly two operating systems that are always working hard to outshine each other in more than one ways to mention. These two operating systems are Google’s Android and Apple’s iOS system predominantly used in smart phones and tablets.


You don't need a book, you need to dig into the business and understand what has changed. How long has there been a struggle to make ends meet? What seasonality exists for the business? Look at the period-over-period change for each product category as well as each line item expense, and find correlations that may exist. If it's possible, find similar insights about competition -- both brick-and-mortar as well as online.   It's important to analyze the results of the business to understand (1) the normal ebbs and flows of the jewelry store seasonality, and (2) any erosion of the business to online or brick-and-mortar competitors. The other important takeaway is that you have to identify any changes in the business' expenses. Are utilities suddenly taking up more of a share of the profits, or are the costs of raw materials on the rise?  Look at the cash flow to see where the money is going, or if there is a revenue problem. If business is down (and revenue as a result), you know where to start. Perhaps the answer is marketing or providing additional products or services that better match the needs of the clientele who are dropping off (i.e., online ordering and free shipping), or product pricing is elevated above the competition. On the other side, if expenses have gotten out of control, you know where to apply controls. Keep in mind that these are not mutually exclusive, and the business could have a revenue and an expense problem.  If you've studied economics, you have the skills to understand the numbers and drive out the answers, but this problem requires application and not philosophy, sociology, or economics. No single book can give you the step by step process. Every business is unique, and no one but your family can provide the insights necessary to analyze the results.   Best of luck! Reach out with any additional questions.


A-Alberts provide the residential and home basic cleaning services for the clients at the reasonable price. With the A-Alberts program, you receive a customized schedule of cleaning based on your precedence and budget. If you want to Janitorial Service Kapolei, then you can contact us our Kapolei branch office. Our professionals will assure your building is always attractive and hygienic. We provide effective merchandise, superior technology, and a high-productive and our all cleaning product is chemical free.


Visit QuickBooks Support help desk to fix issues online. You can face any types of issues in your software but overlooking those issues is not a good idea. Payroll and POS related issues can also be fixed at the same point of time. Give a call on QuickBooks support number 1-800-290-0629. Visit the website http://www.quick-books-support.com to get all kind of help.


"Both OP and the author of the newspaper article should have titled this ""When the media take the time to explain the true state of our economy, people are less optimistic about the future."" A simple link to [this](http://research.stlouisfed.org/fred2/series/UMCSENT) graph would show that consumer confidence has rebounded, but dipped during the debt crisis (as it should have) because the media were reminding people how utterly weak our economy is. The fact that average hourly earnings today are exactly where they were in 2008 is a disaster. But to state that Americans perception of the economy is worse is flat wrong. They actually perceive it as improving when in fact it's on extremely shaky ground."


No, thanks to the principle of corporate personhood.  The legal entity (company C) is the owner and parent of the private company (sub S).  You and C are separate legal entities, as are C and S. This principle helps to legally insulate the parties for purposes such as liability, torts, taxes, and so forth.  If company C is sued, you may be financially at stake (i.e. your investment in C is devalued or made worthless) but you are not personally being sued.  However, the litigant may attach you as an additional litigant if the facts of the suit merit it.  But without legal separateness of corporations, then potentially all owners and maybe a number of the employees would be sued any time somebody sued the business - which is messy for companies and messy for litigants.  It's also far cleaner for lenders to lend to  unified business entities rather than a variety of thousands of ever-shifting shareholders. Note that this is a separate analysis that assumes the companies are not treated as partnerships or disregarded entities (tax nothings) for tax purposes, in which case an owner may for some purposes be imputed to own the assets of C.  I've also ignored the consolidated tax return, which would allow C and S to file a type of corporate joint return that for some purposes treats them similarly to common entity. For the simplest variation of your question, the answer is no.  You do not own the assets of a corporation by virtue of owning a few of its shares. Edit:  In light of your edit to include FB and Whatsapp, and the wrinkle about corporate books.  If sub S is 100% owned by company C, then you do not have any inspection rights to S because you are not a shareholder.  You also do not have virtual corporation inspection rights through company C.  However, if a person has inspection rights to company C, and sub S appears on the books and financial records of C, then your C rights will do the job of seeing S information. However, Facebook is a public company, so they will make regular public filings and disclosures that should at least partly cover Whatsapp.  So I hedge and clear my throat by averring that my securities training is limited, but I believe that the SEC filings of a public company will as a practical matter (maybe a matter of law?) moot the inspection rights.  At the very least, I suspect you'd need a proper purpose (under DGCL, for example), to demand the inspection, and they will have already made extensive disclosures that I believe will be presumptively sufficient.  I defer to more experienced securities experts on that question, but I don't believe inspection rights are designed for public companies.


Here is a list of threads in other subreddits about the same content:   * [Outsourcing airplane repair jobs imperils national security](https://www.reddit.com/r/AnythingGoesNews/comments/78ea22/outsourcing_airplane_repair_jobs_imperils/) on /r/AnythingGoesNews with 1 karma (created at 2017-10-24 15:51:00 by /u/thinkB4WeSpeak)  * [Outsourcing airplane repair jobs imperils national security](https://www.reddit.com/r/union/comments/78e1up/outsourcing_airplane_repair_jobs_imperils/) on /r/union with 1 karma (created at 2017-10-24 14:49:13 by /u/RedditGreenit)  * [Outsourcing airplane repair jobs imperils national security](https://www.reddit.com/r/labor/comments/78e1u5/outsourcing_airplane_repair_jobs_imperils/) on /r/labor with 2 karma (created at 2017-10-24 14:49:04 by /u/RedditGreenit)  * [Outsourcing airplane repair jobs imperils national security | The airline industry likes to claim that the U.S.suffers from a shortage of qualified aircraft mechanics and airline pilots. What is happening is that young people looking for solid career paths see that the pay is continually falling.](https://www.reddit.com/r/lostgeneration/comments/78e2jl/outsourcing_airplane_repair_jobs_imperils/) on /r/lostgeneration with 1 karma (created at 2017-10-24 14:54:17 by /u/RedditGreenit)  ----   ^^I ^^am ^^a ^^bot  ^^[FAQ](https://www.reddit.com/r/DuplicatesBot/wiki/index)-[Code](https://github.com/PokestarFan/DuplicateBot)-[Bugs](https://www.reddit.com/r/DuplicatesBot/comments/6ypgmx/bugs_and_problems/)-[Suggestions](https://www.reddit.com/r/DuplicatesBot/comments/6ypg85/suggestion_for_duplicatesbot/)-[Block](https://www.reddit.com/r/DuplicatesBot/wiki/index#wiki_block_bot_from_tagging_on_your_posts)  ^^Now ^^you ^^can ^^remove ^^the ^^comment ^^by ^^replying ^^delete!


Mayer had hired her own publicist while at Google and brought her to Yahoo when she came over. http://www.businessinsider.com/the-truth-about-marissa-mayer-she-has-two-contrasting-reputations-2012-7  This is no doubt a publicity piece. Definitely reads as one.  I am/was quite the fan of her before these details came out and waiting to see how things will turn at Yahoo.


Finding that perfect assisted living facility may be difficult and confusing to choose. There are few factors one should look for before signing the dotted line. We asked summerfield.com owner, Rebecca Landau, to tell us, what makes her facility a sought after place for elderly looking for a Utah retirement.   What is assisted living? This is the most popular solution for elderly people who cannot live independently. It is place where residents will not have to cook their own meals or cut the grass. Our Summerfield Retirement facility offers less expensive residential care while providing a broad range of assistance.   What are the services you provide? Residents get assistance with their bathing, dressing, eating and any other needs. All three meals are cooked from freshly sourced ingredients taking into consideration the dietary needs of each resident. With 24 hour call-light assistance and customized care plan, residents remain socially active while maintaining their independence. Even though the Timpanogos Hospital is right across the street we have specialized doctors, dentists, and podiatrists making regular scheduled visits.  How is the quality of life at an assisted living community? The quality of life can well be seen on the faces of our residents. Every resident has made friends with each other and socially interacts with like-minded people. Daily exercise and a variety of different activities keep them active and happy. Scenic outings, bingo, musical performances, an onsite library, and gym ensure there is never a dull moment at Summerfield.   The best part about our UTAH retirement home is our ability to adapt to and provide support as needed by each resident. An elderly person with less mobility will require a different set of support than someone having trouble remembering details. So instead of losing all their independence and privacy, we provide and adaptable environment.   Information about our community Contact:  Phone: (801) 434 – 7581 Address: 911 North 800 West Orem, Utah 84057 Send questions and inquiries through our contact form:  http://summerfieldinfo.com/contact/


The request to block the money is made by the Party who sells the product. Based on this request the Bank blocks the funds. Subsequently the Party who sold the product makes a charge against this block. Just to give an easy example; So in the online train booking there are multiple messages sent between the Bank and SNCF. Something has gone wrong. It looks like the message from Bank sending back the Block reference number to SNCF has not reached. So as per Bank there is a Block and as per SNCF there is no block. Keep chasing SNCF to issue a letter so that you can send it to the Bank and get the Block removed. Typically the Blocks by the Bank are for a period of 30 days and if there is no charge against that block it automatically gets reversed.


Firstly, playing the lottery is not investing it is gambling. The odds in gambling are always against you and with the house.  Secondly, no one would ever give you a payout of 3 to 1 when the odds are 50:50, unless they were looking to give away money. Even when you place your chips on either red or black on a roulette table your payout if you are correct is 100% (double your money), however the odds of winning are less than 50%, there are 18 reds, 18 blacks and 2 greens (0 and 00). Even if you place your chips on one single number, your payout will be 35:1 but your odds of winning are 1:38. The odds are always with the house. If you want to play the lotto, use some money you don't need and expect to lose, have some fun and enjoy yourself if you get any small winnings. Gambling should be looked at as a source of entertainment not a source of investing. If you take gambling more serious than this then you might have a problem.


"You're right, the asset allocation is one fundamental thing you want to get right in your portfolio.  I agree 110%.  If you really want to understand asset allocation, I suggest any and all of the following three books, all by the same author, William J. Bernstein. They are excellent – and yes I've read each.  From a theory perspective, and being about asset allocation specifically, the Intelligent Asset Allocator is a good choice.  Whereas, the next two books are more accessible and more complete, covering topics including investor psychology, history, financial products you can use to implement a strategy, etc.  Got the time? Read them all. I finished reading his latest book, The Investor's Manifesto, two weeks ago.  Here are some choice quotes from Chapter 3, ""The Nature of the Portfolio"", that address some of the points you've asked about.  All emphasis below is mine. Page 74: The good news is [the asset allocation   process] is not really that hard:  The   investor only makes two important   decisions: Page 76: Rather, younger investors should own a   higher portion of stocks because they   have the ability to apply their   regular savings to the markets at   depressed prices.  More precisely,   young investors possess more ""human capital"" than financial capital;   that is, their total future earnings   dwarf their savings and investments.    From a financial perspective, human   capital looks like a bond whose   coupons escalate with inflation.      Page 78: The most important asset allocation   decision is the overall stock/bind   mix; start with age = bond allocation   rule of thumb. [i.e. because the younger you are, you already have bond-like income from anticipated employment earnings; the older you get, the less bond-like income you have in your future, so buy more bonds in your portfolio.] He also mentions adjusting that with respect to one's risk tolerance.  If you can't take the ups-and-downs of the market, adjust the stock portion down (up to 20% less); if you can stomach the risk without a problem, adjust the stock portion up (up to 20% more). Page 86: [in reference to a specific example where two assets that zig and zag are   purchased in a 50/50 split and adjusted back to targets]     This process, called ""rebalancing,""   provides the investor with an   automatic buy-low/sell-high bias that over the long run usually –   but not always – improves returns. Page 87: The essence of portfolio construction   is the combination of asset classes   that move in different directions at   least some of the time. Finally, this gem on pages 88 and 89: Is there a way of scientifically picking the very best future   allocation, which offers the maximum   return for the minimum risk?  No, but   people still try.   [...   continues with description of   Markowitz's ""mean-variance analysis""   technique...]   It took   investment professionals quite a while   to realize that limitation of   mean-variance analysis, and other   ""black box"" techniques for allocating   assets. I could go on quoting relevant pieces ... he even goes into much detail on constructing an asset allocation suitable for a large portfolio containing a variety of different stock asset classes, but I suggest you read the book :-)"


>Canada has universities that are hugely benefitting. Students don’t want to go to a country where they think they will be unwelcome. Smart people from India and China look at Trump and they make the decision that serves their interests the best.  Chinese people love Trump... they're also completely obsessed with American universities...


Unfortunately, no.  Think about the numbers. If you work for me, and I pay you $1000, you owe tax on $1000. If you still work, but I don't pay you, you have no tax due, but there's no benefit for you to collect for my stealing your time.


"I used to manage a start-up fast-casual restaurant that was owned by the largest franchisers of a non-related coffee shop. None of the guys that owned the coffee shop or my restaurant had gone to school for business management. The most they'd done is advertising (and frankly they were shit at it).   &nbsp;  90% of what you need to run a successful business is going to be on the front end. Knowing how to manage employees, balance your labor hours with your revenue, knowing how and when to utilize different food products, knowing trends in the area, and being able to take all of that and apply it to a crowd of people who are predominantly going to be younger employees that don't has nearly as much vested in it as you. Good management is consistency and nit-picking. You have to drill the same thing, over and over, until it becomes muscle memory.   &nbsp;  Have you tried talking to the owners about franchising? I'm assuming this isn't a franchise and is just a private shop. Being able to franchise this café will not only give you the support you need from experienced professionals to run the same business but will also allow you to build on the customer base they've grown. You can come to the table with, ""I'll put XX in, pay you XX in royalties, and I want to have a say in the business operation as a primary franchisor."""


The issue with holding gold or silver is the liquidity of the asset. How are you going to unload on thousands of dollars of silver when you want to buy something? I dont think there will be hyperinflation period. It will be slow and solved politically eventually. If the dollar collapsed we would be in deep trouble. Investing in guns would likely be more profitable than silver and gold and in the anarchy you'd better believe someone will try to take your stash.


Most of the money gained through PE is done through financial engineering/deal structuring. There are funds that are operationally focused which do make changes on the portfolio company level. From what I have seen, most people who are operationally focused do not achieve that much in the way of results. Picture it as consulting, except that the results of your initiatives are actually important.    As for turn-arounds, there are funds that specialize in that. Golden Gate Capital comes to mind. These are far more exciting investments, but can be very frustrating. If you want to look at it in terms of the public markets, turnarounds in PE are essentially levered value investments. It is likely that you aren't going to change the business much, but are actually just buying an out-of-favor business and waiting on the industry to bounce back.    The argument that PE funds just gut companies and sell with the new higher operating profitability is somewhat flawed. There is really only so much cost cutting you can do, once you have fired staff or corrected a mistake you won't likely have more chances to gain from that original problem. What people should be criticizing is that funds often cut capex and reinvestment to increase results at the expense of the future profitability of the company.


There needs to be more numbers with your choices, without those any answer is purely speculation. Assuming that India is much like the US, you are almost always better to go with a company leased car.  That is if you are not responsible for the lease if your employment ends with the company. Here in the US companies typically reimburse, so tax free, their employees for about 50 cents per mile, or about 31 cents per kilometer.  This barely covers the gas and insurance and falls way short when one includes deprecation and maintenance.  So it is better to have the company to pick up all those costs.      Borrowing money on a car is just plain dumb no matter what the interest rate.  So I would stick with choice number 1 or 3 depending on the arrangement for the company leased car. The next question becomes how much you should spend for a car?  I would say enough to keep you happy and safe, but not much more than that until you are wealthy.


"This stock is the same as any other, but you need to keep clear in your head that you and your company are now different entities.  You (the person) will pay tax on capital gains and losses when you sell any stock that you hold in your own name.  You'll also owe ""regular"" tax if you draw a salary, etc.  The fact that it may be ""your"" company does not change these things. The company will not recognize a gain by selling stock to raise capital since it's nominally exchanging things of equal value, say $100 in cash for $100 in stock.  In order to sell stock, however, you MIGHT need to register with the SEC depending on how you're going about finding your investors, so keep that in mind."


You and me both.  The thing is that you can't be a pure entrepreneur/intrepreneur - you have to do something else as well.   For me that's mostly programming (it's like a problem solving superpower!) and dabbling with general business skill.


"Pink Sheets is not a stock exchange per se, and securities traded through it are not as ""safe"" as the ones on a stock exchange regulated by SEC. Many companies are traded there because they failed to comply with the SEC regulations, or are bankrupt or don't want the level of reporting to the public that the SEC regulations require. Since you're talking about an ADR of a company traded on LSE, it might be much safer that other, ""regular"", securities, but still it means that you're buying an unregulated security (even if it is of a company regulated elsewhere). Notice the volume of trades: mere thousands of dollars per day (in a good day, in some days there are no trades at all). It makes it harder to sell the security when needed. Why not buying at LSE?"