http://www.wuug.org/read.php?10,11269 http://www.wuug.org/read.php?10,11268 http://www.wuug.org/read.php?10,11267 http://www.wuug.org/read.php?10,11266 http://www.wuug.org/read.php?10,11265 http://www.wuug.org/read.php?10,11264 http://www.wuug.org/read.php?10,11263 http://www.wuug.org/read.php?10,11262 http://www.wuug.org/read.php?10,11261 http://www.wuug.org/read.php?10,11260 http://www.wuug.org/read.php?10,11259 http://www.wuug.org/read.php?10,11258 http://www.wuug.org/read.php?10,11257 http://www.wuug.org/read.php?10,11256 http://www.wuug.org/read.php?10,11255 http://www.wuug.org/read.php?10,11254 http://www.wuug.org/read.php?10,11253 http://www.wuug.org/read.php?10,11252 http://www.wuug.org/read.php?10,11251 http://www.wuug.org/read.php?10,11250 http://www.wuug.org/read.php?10,11249 http://www.wuug.org/read.php?10,11248 http://www.wuug.org/read.php?10,11247 http://www.wuug.org/read.php?10,11246 http://www.wuug.org/read.php?10,11245 http://www.wuug.org/read.php?10,11244 http://www.wuug.org/read.php?10,11243 http://www.wuug.org/read.php?10,11242 http://www.wuug.org/read.php?10,11241 http://www.wuug.org/read.php?10,11240 http://www.wuug.org/read.php?10,11239 http://www.wuug.org/read.php?10,11238 http://www.wuug.org/read.php?10,11237 http://www.wuug.org/read.php?10,11236 http://www.wuug.org/read.php?10,11235 http://www.wuug.org/read.php?10,11234 http://www.wuug.org/read.php?10,11233 http://www.wuug.org/read.php?10,11232 http://www.wuug.org/read.php?10,11231 http://www.wuug.org/read.php?10,11230 http://www.wuug.org/read.php?10,11229 http://www.wuug.org/read.php?10,11228 http://www.wuug.org/read.php?10,11227 http://www.wuug.org/read.php?10,11226 http://www.wuug.org/read.php?10,11225 http://www.wuug.org/read.php?10,11224 http://www.wuug.org/read.php?10,11223 http://www.wuug.org/read.php?10,11222 http://www.wuug.org/read.php?10,11221 http://www.wuug.org/read.php?10,11220 http://www.wuug.org/read.php?10,11219 http://www.wuug.org/read.php?10,11218 http://www.wuug.org/read.php?10,11217 http://www.wuug.org/read.php?10,11216


Generally, the beneficiary for AD&D is only paid in the event of an accidental death.  In the event of dismemberment the insured is paid not the beneficiary.  You're specifying the beneficiary for the death benefit.


"First off, the ""mortgage interest is tax deductible"" argument is a red herring.  What ""tax deductible"" sounds like it means is ""if I pay $100 on X, I can pay $100 less on my taxes"".  If that were true, you're still not saving any money overall, so it doesn't help you any in the immediate term, and it's actually a bad idea long-term because that mortgage interest compounds, but you don't pay compound interest on taxes. But that's not what it actually means.  What it actually means is that you can deduct some percentage of that $100, (usually not all of it,) from your gross income, (not from the final amount of tax you pay,) which reduces your top-line ""income subject to taxation.""  Unless you're just barely over the line of a tax bracket, spending money on something ""tax deductible"" is rarely a net gain. Having gotten that out of the way, pay down the mortgage first.  It's a very simple matter of numbers: Anything you pay on a long-term debt is money you would have paid anyway, but it eliminates interest on that payment (and all compoundings thereof) from the equation for the entire duration of the loan.  So--ignoring for the moment the possibility of extreme situations like default and bank failure--you can consider it to be essentially a guaranteed, risk-free investment that will pay you dividends equal to the rate of interest on the loan, for the entire duration of the loan. The mortgage is 3.9%, presumably for 30 years.  The car loan is 1.9% for a lot less than that.  Not sure how long; let's just pull a number out of a hat and say ""5 years."" If you were given the option to invest at a guaranteed 3.9% for 30 years, or a guaranteed 1.9% for 5 years, which would you choose?  It's a no-brainer when you look at it that way."


John Bogle never said only buy the S&P 500 or any single index Q:Do you think the average person could safely invest for retirement and   other goals without expert advice -- just by indexing? A: Yes, there is a rule of thumb I add to that. You should start out   heavily invested in equities. Hold some bond index funds as well as   stock index funds. By the time you get closer to retirement or into   your retirement, you should have a significant position in bond index   funds as well as stock index funds. As we get older, we have less time   to recoup. We have more money to protect and our nervousness increases   with age. We get a little bit worried about that nest egg when it's   large and we have little time to recoup it, so we pay too much   attention to the fluctuations in the market, which in the long run   mean nothing. How much to pay Q: What's the highest expense ratio that one should pay for a   domestic equity fund? A: I'd say three-quarters of 1 percent maybe.   Q: For an international fund?  A: I'd say three-quarters of 1 percent.   Q: For a bond fund? A: One-half of 1 percent. But I'd shave that a little bit. For   example, if you can buy a no-load bond fund or a no-load stock fund,   you can afford a little more expense ratio, because you're not paying   any commission. You've eliminated cost No. 2....


If it were me, I would get a new checking account at potentially a new bank, but certainly with a new account number. As Nathan said, there is no need for you to cross her name off the check, but potentially, she could use those checks, or have new checks printed to use.  Having her name on the check makes it seem like she is a legitimate signer on the account. In the end you can fight and possibly win with your bank that they should not have accepted a check signed by her as payment, but why bother?  Also you will potentially alienate any merchant that accepts a check by her.  It is a total mess that can be relatively easily solved with very little money ($25-$40 for check reprinting) proactively.   Close the account, shred any existing checks, and move on.   Heck you can actually make money by doing this and receiving a bonus.  Check Nerd Wallet for current bank promotions.


Literally the only thing I check before buying water is that it doesn't say Nestle anywhere on it.   Next time you're at the gas station and have a few minutes, see how many of the brands are supplied by Nestle. I think you'll be surprised.


"There is no shortage of qualified engineers.  There is a shortage of qualified engineers at the salaries Microsoft is willing to pay.  If Microsoft increased salaries by 30%, they could solve this ""problem"" tomorrow.  Of course, they aren't interested in solving the problem, they are interested in getting cheap foreign labor that they can abuse since H1-Bs are not allowed to change employers."


Regulators? SEC, in the US. Its public records for public companies.


It also depends on the firm that you work for. Some firms pay out overtime to their employees in the form of leave or cash. Either way, it is an additional cost to these firms to have their employees work overtime. Hence, you are less likely to work over and above your given work hours. Those financial firms that don't pay out in overtime and have a large client base will generally make you work like a bitch and compensate you for that via your yearly bonus.


Ashwagandha is biologically known as Withania somnifera. It is a shrub, normally found everywhere in India especially in the northwestern part of the sub continent, but is nowadays cultivated in fields because of its great commercial demand. Ashwagandha restores vitality and has an effect on the libido. The herb is bitter in taste, aphrodisiac, germicidal and diuretic.


Don't forget to take into account the tax deductability of the interest and PMI into the equation. Of course, this would based on your current pay rate, and your rates after marriage.  Your mentioning the flexibility in future changes is also a key aspect to take into consideration.


Construction labor rates have been stagnant for 15 years.  These laborers are pushing down the wages of multi-generational skilled tradesmen. Generally speaking, the quality of residential construction has been going down.  Also many of the people in the Mariel boatlift were criminals directly released from prison. Fidel Castro (1980): “I have flushed the toilets of Cuba on the United States.”.


At indexmundi, they have some historical data which you can grab from their charts: It only has a price on a monthly basis (at least for the 25 year chart). It has a number of things, like barley, oranges, crude oil, aluminum, beef,  etc.    I grabbed the data for 25 years of banana prices and here's an excerpt (in dollars per metric ton): That page did not appear to have historical prices for gold, though.


Options:  (personally I did the first and it is working well).


What people don't realize is that in many EU countries, you pay a per minute fee (even when on hold) when you call a support line.  Your printer broke and you need to call in for a warranty repair?  That will be 15 cents a minute.  They usually cap the maximum charge but it's often not free to call.  In The Netherlands, it's almost never free.    Also, when you buy something and it breaks under warranty, you generally can't return it to a store and they give you a new one.  Instead they ship it out for repairs.  I bought a new coffee machine in Germany for 80 euros.  It broke 3 days later and when I brought it back, they shipped it out for repairs and I had no coffee machine for a week.


"No, not on schedule C, better. Its an ""above the line"" deduction (line 29 on your 1040). Here's the turbo tax article on it. The instructions for this line set certain limitations that you must take into the account, and yes - it is limited to the net profit from the business. One of the following statements must be true. You were self-employed and had a net profit for the year. You were a partner with net earnings from self-employment. You used one of the optional methods to figure your net earnings from self-employment on Schedule SE. You received wages in 2011 from an S corporation in which you were a more-than-2% shareholder. Health insurance premiums paid or   reimbursed by the S corporation are shown as wages on Form W-2. The insurance plan must be established under your business. Your   personal services must have been a material income-producing factor in   the business. If you are filing Schedule C, C-EZ, or F, the policy can   be either in your name or in the name of the business."


I'm going to go the contrarian route and suggest you stay completely out of the stock market for the foreseeable future. We're entering a period of time this country and world has never seen before. Our country is broke / insolvent. We are printing money to buy our own debt. This is beyond stupid. It will destroy us, just like it did Germany in the 1920's. Many states are on the verge of bankruptcy. The only thing stopping them is a constitutional issue. California, Illinois, Michigan, New York etc. are all broke. They are billions in debt and massive underfunding of pensions.  More than a half-dozen European countries are on the verge of financial implosion. The Euro is just as bad off as our dollar. There are extremely powerful forces at work bent on destroying this country and the US dollar, to usher in a One World Government and financial system.  IMO, buy as much gold and silver has you can. Not necessarily as an investment vehicle. I would do it as a survival vehicle. And, I don't mean gold/silver stocks. I mean you buy gold/silver and you take physical possession.


"I've been using YNAB4 for the last few years, and I like it so much that I haven't switched to the web version (new YNAB) yet.  However, I have played around with the web version a little, and here is what I have discovered. Despite the different look of the credit card account and the lengthy dissertation on the credit card differences in the Transition Guide, credit cards are handled almost exactly the same in the new YNAB as they were in YNAB4. You enter credit card spending transactions in the same way as YNAB4.  When you enter a transaction, money is pulled out of the budget category you select.  The only difference is that in YNAB4, this money was considered ""gone.""  Now, that money moves from your budget category into the new credit card category. When it comes time to pay the credit card bill, you also enter this transaction in the same way as before.  It is entered as a transfer of money from your checking account to your credit card account.  The only difference here is that with new YNAB, the funds are deducted from your credit card category.  This is handled automatically, so you don't have to think about it if you don't want to.   If you always pay your credit card bill in full, you never have to budget money manually into the credit card category.  The money will already be there from when you entered the credit card spending transactions.  The only time you would manually budget money into the credit card spending category is if you have old credit card debt that you are trying to pay off. A quick example, in pictures: I start out with $10,000 in my checking account, and no credit card debt:  I've got all $10,000 in my ""Fun Money"" category:  Now, I spend $100 at the Store:  You can see that, just like in YNAB4, the credit card account is now in the red $100, and the checking account balance has not changed. In the categories, my Fun Money category is down $100 to $9,900, just like it would be in YNAB4.  The only difference is that there is now $100 in the new Credit Card Payments category.  When it is time to pay the bill, I enter an account transfer, just like in YNAB4:  Note that the Credit Card balance is back to $0, and the Checking Account balance is now down to $9,900. The Credit Card Payment budget category is now magically back to $0:  The above example starts with a zero balance on the credit card.  However, most people will have a non-zero balance on their credit card when they first start a budget.  In YNAB4, when you added a credit card with a (negative) balance, the debt was shown in a budget category called ""Pre-YNAB Debt.""  You then added money to this budget category until it went to zero, and then you didn't need this budget category anymore. With new YNAB, credit card balances are not shown in budget categories.  If you add a credit card account with a balance, the debt is not shown in the budget categories.  To pay off this debt, you can fund the Credit Card Payments category.  After this existing balance amount is paid off, you won't need to fund the Credit Card Payments category anymore as long as you properly assign each new credit card purchase to a funded budget category."


That makes sense though since I live in a small town with few tech jobs available, and glassdoor is a good deciding factor when the very little that is available offer little return compared to bigger cities. I am not comfortable moving to the big city just yet since i haven't established myself in the field and competing in a big industrialized city doesn't assure that I will find a job easy peasy lemon squeezy from where I am just yet, therefore it's good to stick around and find something to build experience. I am just hoping to do it before the tech market saturates and these jobs either become scarce, or aren't very profitable anymore since public schools and community efforts offer coding classes and seminars in several cities and communities in hopes of retraining people, when this specialized skill becomes that common it might become as valuable as fast food cashiers since everyone wants to learn. I don't want to compete in a market in that state, it's all very scary (but there are several people on the internet convincing people to not go to college, I live in a town that takes this advice and I know there are several hundred more like it so I have that going for me).   Anyway, Glassdoor does effect smaller businesses that have no benefits, and just a non-standardized work cultures. Basically, it's a bit of a toss up on how you will be treated in a small company since, unlike google, don't list their terms and conditions, plus their policies on their website (if they have one and if they bother). I know big corporations might not need to worry about glassdoor reviews (unless they work in chapters rather than having a huge HQ in one place that hires thousands). I would imagine a small business has more to be afraid of when it comes to glass door brand wise.


"Excellent analysis. I agree that one of the main reasons millenials are so critical of advertising is we have grown up with it our entire lives. The author calls the millenials ""digital natives,"" which is an absolute misnomer and a term I have been using for years to refer to the generation to come, the true digital natives who have been downloading apps since before they were creating memories. We ought to be called Advertising Natives. I am fully aware people are trying to sucker me out of my money for mostly frivolous causes, so I have add blinders on and generally research products before I buy them. Gone are the days of claiming something is NEW AND IMPROVED having any affect on consumers."


The workaround solution is to simply avoid having an exactly zero balance on your account. Thus for inactive credit cards that I want to keep around for emergency use, I always leave a small positive balance on the card. The credit card company reserves the right to cancel my card at any time, but a positive balance would force them to send me a check for the privilege of doing so. A positive balance avoids making the account appear inactive and makes it cheaper for them to simply leave the account open.


Have the reasons you originally purchased the stock changed? Is the company still sound? Does the company have a new competitor? Has the company changed the way they operate? If the company is the same, except for stock price, why would you change your mind on the company now? ESPECIALLY if the company has not changed, -- but only other people's PERCEPTION of the company, then your original reasons for buying it are still valid.  In fact, if you are not a day-trader, then this COMPANY JUST WENT ON SALE and you should buy more. If you are a day trader, then you do care about the herd's perception of value (not true value) and you should sell. DAY TRADER = SELL BUY AND HOLD (WITH INTELLIGENT RESEARCH) = BUY MORE


Bank of America supports two-factor authentication using SMS messages, similar to PayPal. You can enable the feature from Online Banking under Customer Service -> SafePass Settings. Update: Over the weekend of July 28th, 2012, the SafePass control on the authentication page was updated to simple HTML + JavaScript instead of Flash, so that it is now possible to login from Safari on iOS, among others.


> Fourth, even if they ever did go bankrupt, since you already used up your share of their bonds, the other firms can't blame you for that, because you honestly went about using them with no knowledge that the firm would go bankrupt ever.   What if you had knowledge it would, and did this as a scam?  The mere possibility of the above would limit the third-hand user's willingness to accept bonds from unknown companies. It's that simple.


You could consider buying a fairly recent used car from CarMax. They have fixed pricing, and you'd save a good amount of money on the car (since cars lose tons of value in their first year or so).


Facebook is the commonly used social media platform account and it is difficult to hack Facebook by common people like us. You need help form Facebook hacker who can hack any Facebook account for you. There are online site which offer you with hacking services and that also for free.


"I do not agree with your assumption that people fully understand ""standards"".  Perhaps without government intervention, an aircraft company may build planes that cost 25% less, but have a 3x more likelihood of crashing. Perhaps the company does not disclose that information about the crash incidence to its buyers.   A discount airline may look at this company's planes and decide ""hey, they are 25% cheaper, let's use them"". Maybe they even know that the crash incidence has dropped from ""once per 100 years"" to ""once per 30 years"".   Consumers now shop their air fare, and they repeatedly choose the discount airline because that airline can offer seats that are 10% cheaper than the other airlines who are using the more stringently safe planes.   The other airlines say ""hey, look what is going on here, we should probably switch suppliers"". They do so - or perhaps the company that they used to buy from now relaxes their standards to ""compete"".  Now, instead of a plane crashing every 5 years, one crashes every 2 years.   Consumers have no idea that they are flying on planes that have a 3x crash rate than before. The airlines are not going to publicize this information. The aircraft manufacturers are not going to publicize this information either. It's going to be attributed to ""that's just the way things are"".  Ultimately, people may stop choosing to fly, putting the industry into a death spiral, but that's a long-term drawback, and something that most short-term thinkers - which includes everyone in both the airline and manufacturer industry - will ignore.  This is the problem with free-market libertarianism - it assumes that everyone has perfect information, and that people are capable of making reasonable choices between long and short term impacts. It also falls victim to the prisoner's dilemma because there is no coordination between actors - everyone chooses the path they believe to be most beneficial *to them and them alone*.  Regulation levels the playing field in a way that benefits the entire system, and solves the problem of people being unable to process the impact of ""standards"" that have no immediate visibility.  Here is a great example of how ""no standards"" work.   http://nypost.com/2017/02/13/parents-recall-day-son-was-decapitated-on-water-slide/"


I'm not sure there will ever be some moment in my life where a person walks up and asks me to install a cybernetic arm and I have to debate the merits. They will develop alongside the culture like most innovations.   Knowing how to use a PC is often a requirement in the First World, when I have to deal with people who dislike the internet or upgrading to new tech it's a huge pain in the ass. If you invented an enhancement that became that essential to productivity or life, like someone said above with coffee or medication, I imagine it would be a similar situation.  The point being, this is already how it works.


Electricity wasn't always the clear winner. There used to be city wide networks of pressurized water pipes providing hydraulic power for heavy machinery. Gas is still widely used. In many cases we are actually wasting energy by first burning coal to generate electricity, only to convert it back to heat again.


I mean...*can* we do anything about this, though? We've sent letters, posted comments using the correct forms (which were notoriously complicated to get to if you didn't have a direct link), made phone calls. What else can we do?


This happened to me in the mid 90's. I wanted to withdraw enough cash from my account to buy a new car and they nearly panicked. I took a bank draft instead.  I discovered afterward that they can require up to a week's notice for any withdrawl.


>lol wut? Vice is a media company, not a broadcasting company. HBO charges premium prices to access HBO not Vice.   False. You apparently don't know about their other channels.  >[Vice Media LLC is a North American digital media and **broadcasting company**.](https://en.wikipedia.org/wiki/Vice_Media)  lol.  >If you agree with me then why are you defending Vice here so much? Every article by them is shallow like this one and at that with a very noticeable liberal bias.   This comment thread literally started on me criticizing their graphics in this story. If you will recall, the point of contention you had with me is that I said that only some of their quality is dubious. You insisted all of it was. So, I pointed out that you don't seem like you're in the position to really know, since you clearly avoid their content. During this whole excursion in the discussion, I have repeatedly acknowledged their faults, culminating in criticizing the author's credibility. I'm hardly a Vice shill; I just see shades of grey where you see nothing but black.  >How exactly is that a flaw in my logic? I've seen enough from Vice to know its content is crap so why would I bother to read it?  Because your sampling is very limited, it's an example of an informal logical fallacy called a sweeping generalization. There is also a framing/confirmation bias in your logic, because your analysis is subjective (i.e. Vice, the subject, is crap because I read a couple articles from the subject) versus my analysis which is objective (i.e. Vice can produce some good quality content, but objectively this content is not an example of it).  >More like the reality is you are making a grand assumption here on my end. I'ved watched their documentaries that aired in the 90's, and read various articles and watch various Youtube video's from them. They use to do high quality work, but now its crap.   So, your claim to wide exposure is that you saw some documentaries made over 20 years ago, which were produced before they were acquired in 1999 and Co-founder Gavin McInnes was forced out over creative difference? Oh, and you've seen some YouTube videos, I didn't realize I was talking to such an expert. Much expert! Such impressed! Many experienced! Wowz!


*What* big picture?  If you cannot tell the massive drain on an organization simply by looking, you are blind.  How do companies make money?  Income producers.  Who are the income producers?  There are three classes: People who assemble a product, people who charge billable hours, and people who make sales of more product and/or hours.  That's it.  Those are the only people who make money.    If you make a product, you may absolutely require a packaging and shipping department to bring your product to market, but those people will not ever make you more product to sell or bring in more sales, so you run that department as lean as you can.  How lean that is depends entirely on how you feel about business. (Personally, I think it's just as important to be able to enjoy the job as it is to make money, but that's neither here nor there.) Likewise maintenance, likewise IT, likewise accounting, marketing (although they'll never admit it), QC, legal, etc, etc, etc.  The only -ONLY- function of management is to organize operations and deal with problems.  The old PODS-C (Plan, Organize, Direct, Staff and Control(Finance)) falls entirely into organizing or dealing with problems.  Management is there to empower people to do their jobs -and allow them to not deal with crap that is *not* their job- through proper organization and problem resolution.    Just like shipping and maintenance and IT, you run your management staff as lean as possible while still accomplishing the goals of 1) organization to empower employees to do their jobs and 2) problem resolution.  That's it. Once you get that done you don't need any more managers, ever, until you're not able to keep up with 1&2.  So what's the purpose of middle management?  They deal with fundamental problems, but they have no authority to resolve them.  You are paying an entire class of employee to pass the buck up to Higher and wait, hoping that a decision will eventually come back down.  Sometimes they are necessary to accomplish the goals of the organization (ie: during growth periods.)  But they are ALWAYS a drain, and would always be better off replaced by experienced and motivated senior line employees with the authority to make reasonable decisions on the spot.


Two things I would recommend doing:   I would save a minimum of 15% into retirement.  By young I will assume that you are under 30.  15K/year + company match will grow into a sick amount of money by the time you are in your 60s.  So you have a net worth that is north of 5 million.  What kind of charitable giving can you do then?  Answer:  What ever you want!  Also it could be quite a bit more then that. Get a will.  It will cost a little bit of money, but for someone like you it is important to have your wishes known.


Introducing the new Ai AccuTemp 1.9 cubic foot vacuum ovens, come standard with 5 aluminum shelves, stainless steel tubing & compression fittings, stainless steel vacuum/vent valves, oil-filled vacuum gauge, 5 sided pad heating technology and two year warranty. The thermal-conductive aluminum shelves provide excellent temperature uniformity inside the chamber, while our 3rd gen LCD low proportional gain temperature controllers keep your oven temperature within +/- 1°F accuracy, in either °F or °C.


Anyone who has Russian interests keep saying this. I recall Iran was saying the same thing until sanctions hit them hard.  The Russian sanctions are not pleasant for Europe but they won't do nearly as much harm as Russian sources are trying to make them out as doing.


"My family instilled in me early on that hard work was important, and the output of that work was its reward. My grandparents really made in impression with me about telling the truth and being fair (probably after I was busted for lying and cheating about something) -- I remember my grandfather talking about the solem trust associated with shaking hands over something. I remember opening a savings account at school on bank day and being really excited about the interest accruing... but my folks never really allowed us to spend it on toys or other stuff. I didn't really think about money at all until I was probably about 10 or 11, when I started watching ""Wall Street Week"" on PBS with my dad on Friday night and bombarding him with dozens of questions. Then games like Sim City really got me going... my grandmother was always amazed that I was talking about bonding construction projects. I think that before 10 or so, kids needn't concern themselves with money, but should understand responsibility, the rewards that come from working hard, and the consequences for not doing so."


They can't. It looks like they are using the average numbers per family for the cost of education, fire, police, and emergency services. It also says subsidized housing...but I can't confirm that non-citizens can get subsidized housing (without breaking any laws).  Personally, I would rather our firefighters not have to check ID's before they do their job. Also, I would much rather have educated immigrants than denying them education and then dealing with all of the problems that come with lack of education.


If you had purchased the land directly from your NRI account in your name [with power of attorney] in your wife's name, it would have been very simple to get the funds back. Whenever you sell the land, transfer the funds into NRO account. From NRO account you can repatriate back USD 1 Million. A CA certificate is required detailing the purpose and that tax is paid on the funds, talk to your bank and it should be easy. The gains will be taxable in India as well as in the US. You can claim rebate to the extent of taxes paid in India.


What's relevant to whether you accept the offer should be the compensation package (including salary and benefits) they're offering, the work you'll be doing, and the conditions in which you'll be doing it. The communication history between you and the recruiter isn't really that relevant, since you probably won't deal with the recruiter once you're hired. So, if this is a job you want to do at the level of compensation offered, accept the offer. If not, don't. If you suspect that they actually could be willing to negotiate for a higher salary despite already saying that they aren't, you could test this by declining the offer and saying that that last $5K is the only sticking point, but only if your intent really is to walk away from the offer as it stands.


This tale makes me sad the more I learn of it.  I am impressed with your dedication and caring for your ex-wife and particularly your kids; you seem like a good person from your questions. But you are tired and exasperated too.  You have every right to be.  The problem isn't how this woman can rent a new apartment (which there isn't a good way that won't screw over some unsuspecting landlord) but how to get this woman into conseling on a regular basis.  Not just money, but personal or group therapy. She honestly needs help and must face this problem herself otherwise these questions will never stop.  I know you mentioned this doesn't appear to be an option, anf maybe it isn't your job, but I. See your questions are much deeper than personal finance. I wish you the best and I really do admire your resolve to take care of your kids.


Without Obamacare I would be without insurance. Also, if you follow economic theory, the cheapest way to provide healthcare is to have a large amount of people paying into the same pool. The largest pool would be the entire population. The only way for that to function would be to pay the government to provide healthcare for all.   There is an economic academic paper on this subject. I'll post it in an edit once I find it.


>It's my belief a CEO should take a base salary of no more than 50 times the MEAN worker's salary is  That's just not realistic.  You're not going to have the CEO of Walmart making 1 million dollars a year while somebody heading up a law firm makes 50 million dollars a year.


Here's what I'd consider:


I've shown this video to people with more than 10 years experience in the finance industry, and even they have gotten something from it. It is a brilliant video, too good not to share. And if we are all the wiser, hopefully we can avoid this type of disaster from happening again.  Thanks for the comments.


"I realize. I never would claim I did a ... ""triple"" full time (?). I was responding to the comment that any credible university wouldn't let you do more than +1 extra class. Obviously, +1 class in terms of hours is variable since it can range from 3-8 hours at a traditional semester university. Our recommended was something like 18 though the upper limit was 20 IIRC (been awhile)."


I think business 101 would disagree with you.  A business in business to make a profit.  Otherwise the business will not last. If you are talking about the amount of profit one makes, you might have a point. That being said, that doesn't give one the right to steal the product without compensating the owner.


"Yeah, you're right.   Which is interesting in this case anyway, in that many analysts were highlighting the lack of fundamentals supporting the IPO price. To me, that speaks to the willingness of the underwriters to ignore that lack of fundamentals, and perhaps base the value on something else (e.g. ""Zuck's a wunderkind, he'll figure it out"").   I guess my point is that the lack of foundation (that the market has since priced into the share price) was not hidden from the underwriters."


Loads of financial advisors advise holding index funds they may advise other things as well, but low fee index funds are a staple portfolio item.  I can't speak to the particulars of Canada, but in the US you would just open a brokerage account (or IRA or SEP IRA in the case of a small business owner) and buy a low cost S&P index ETF or low/no fee/commission S&P index mutual fund.  There's no magic to it.   Some examples in no particular order are, Vanguard's VOO, Schwab's SWPPX, and iShares' IVV.  There are also Canadian index equities like Vanguard's VCN and iShare's XIC.


Given the global warming and pollution issues associated with burning fossil fuels and generating huge amounts of plastic, yes. It's much better than oil.   Battery tech is improving rapidly. Ceramics are becoming viable options in some cases. It's going to be a very interesting 10 years.


Amazing. I applaud your clear an concise way of explaining such a complex matter. I personally have been baffled by many financial matters and you sir have made it all the more clearer. I am sincerely grateful that you have spent the time to write this, thank you.


Previously, advertisement volumes were not allowed to be louder than the peak volume (as opposed to the average volume) of the corresponding show. Obviously, the loudest point of a show isn't immediately before the commercial break, so the difference in sounds was very large.   This new regulation should change things for the better. However, I can see TV content producers putting very quiet parts right before breaks to maintain the difference in volume that advertisers rely on to draw attention.


Just a note about cold callers: I own a phone which I use solely for software development purposes. It has a SIM card that I bought for £0.99 on eBay (needed to activate the phone). Nobody knows that there is any relationship between me and that phone or it's phone number. I have never paid any phone charges, and I cannot make phone calls with that phone. As I said, it is just used for software development purposes.  I get phone calls from cold callers on that phone. Not only do they not know anything about my financial situation, they know nothing and cannot know anything about who I am. They tell me that I was recently involved in an accident and I am likely to get compensation. Yet they don't know my name, my address, anything. Lucky enough, my real business mobile phone is so far not on their radar.  It is most likely that they know absolutely nothing about you, but have a lot of practice in being convincing if they get you to talk to them.


> “Uber has done a U-turn -- at the employment tribunal, the firm argued that they were not a taxi company, but an app putting customers in touch with drivers,” Rachel Farr, a senior lawyer in the employment, pensions and mobility group at Taylor Wessing, said. “Now Uber says that they are no different from a traditional mini-cab firm with self-employed drivers.”  But, but; they're so kicky! The fascist 'normals' are just trying to protect their buggy-whip dinosaur business models, and all that archaic 'compliance with laws' nonsense.


> This is all mundane chit that barely affects you in real life. If you think this is important, look in the mirror and seriously re-evaluate your life.  I don't think it's important. I was just letting you know that calling out your accuser is great motivation for some people to go dig up stuff. There are plenty of people in this world that get satisfaction from that.  Beyond that, I'm one of the few people so far that has given you genuine feedback to your original post. So to add to that feedback, I hope that your comments in this thread don't reflect your conversational skills. They are overwhelmingly negative and judgmental, and I hope nobody would pay money to be subjected to that.


ETFs are a type of investment, not a specific choice. In other words, there are good ETFs and bad. What you see is the general statement that ETFs are preferable to most mutual funds, if only for the fact that they are low cost. An index ETF such as SPY (which reflects the S&P 500 index) has a .09% annual expense, vs a mutual fund which average a full percent or more.  sheegaon isn't wrong, I just have a different spin to offer you. Given a long term return of say even 8% (note - this question is not a debate of the long term return, and I purposely chose a low number compared to the long term average, closer to 10%) and the current CD rate of <1%, a 1% hit for the commission on the buy side doesn't bother me. The sell won't occur for a long time, and $8 on a $10K sale is no big deal. I'd not expect you to save $1K/yr in cash/CDs for the years it would take to make that $8 fee look tiny. Not when over time the growth will overshaddow this.  One day you will be in a position where the swings in the market will produce the random increase or decrease to your net worth in the $10s of thousands. Do you know why you won't lose a night's sleep over this? Because when you invested your first $1K, and started to pay attention to the market, you saw how some days had swings of 3 or 4%, and you built up an immunity to the day to day noise. You stayed invested and as you gained wealth, you stuck to the right rebalancing each year, so a market crash which took others down by 30%, only impacted you by 15-20, and you were ready for the next move to the upside. And you also saw that since mutual funds with their 1% fees never beat the index over time, you were happy to say you lagged the S&P by .09%, or 1% over 11 year's time vs those whose funds had some great years, but lost it all in the bad years.  And by the way, right until you are in the 25% bracket, Roth is the way to go. When you are at 25%, that's the time to use pre-tax accounts to get just below the cuttoff.  Last, welcome to SE.    Edit - see sheegaon's answer below. I agree, I missed the cost of the bid/ask spread. Going with the lowest cost (index) funds may make better sense for you.  To clarify, Sheehan points out that ETFs trade like a stock, a commission, and a bid/ask, both add to transaction cost. So, agreeing this is the case, an indexed-based mutual fund can provide the best of possible options. Reflecting the S&P (for example) less a small anual expense, .1% or less.


The 1.09% is per year, not per month, so you will be getting about 1K per year just for sitting around on your backside. Some important things. It is almost certain that you can earn a better interest rate elsewhere, if you are prepared to leave your 100K untouched. For example, even in Natwest you can earn 3.2% over the next year if you buy a fixed rate bond. For 100K that is certainly worth looking at. Or maybe put 90K in a fixed rate bond and leave 10K in an instant access account. Taxes should not be a problem since you can earn around 7K before you start paying taxes. However be aware that in the UK most bank accounts deduct tax at source. That means they send the tax they think you should have paid to the government, and you then have to claim it back from them. Accounts for young people may work differently. Ask your bank.


Because it's a con. People give you money because you promise them more money, and then you walk away with their money. There are more steps but they don't matter.  You can probably ignore the MLM drone who doesn't realize he's a cover for abusing those hyped kids. These companies are minimally different from outright fraud. If a business repeatedly assurse you it's legal, that's a warning.   You can definitely ignore the edgelords whining about government.


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"It was not taxed in the previous years because it wasn't in profit. The amount for 2010 is more due to accounting treatment, on account of ""Deferred Domestic Income Tax"". The figures are at http://data.cnbc.com/quotes/DANG/tab/7.2 You can search for a better understanding of Deferred Domestic Income Tax, a brief explanation is at http://www.investopedia.com/terms/d/deferredincometax.asp"


Speaking as a Microsoft zealot - MSFT guy since 1992 - Visual Basic, .Net, SQL Server, SharePoint...  ...and I gotta agree - why the heck aren't they running linux? I see all kinds of kiosks with Windows errors all the time and every time I wonder WTF.


It is important at this juncture to understand that the man in the white house is a  Fucking Moron and has been selected because he will only further the Israeli agenda and destroy America and American values.  I know it hurts you in the head, but like it or not, it is time to process this and understand, that the world is in this state because of Israel and the Jewish control and influence of the US economy and Government.   I know these words are hard to process, it is they way you have been programmed, struggle on   It is crucial for America to understand that AIPAC and Jewish control of the Fed and the Economy and the Government is what is driving policy, not Democracy and the Myth of the American dream and white Picket fences  . . .if you even remember what those are from under all that debt.  Wake up . .its almost too late


Set aside the amount of grocery money you want to spend in a week in cash. Then buy groceries only from this money. The first week make it a generous amount so you don't get rediculous and give up. And stick to it when you are out of money (make sure you have some canned goods or something around if you run out of money a day short). And do not shop when you are hungry.


He has said it many times in the past and even said so. Idk why you think posting it out of context is accomplishing anything different. According to Elon, the tesla stock price shows where tesla could be in the future, hence 'higher than we deserve right now'. Which those were the choice of words of the interviewer anyways, not elon.


Based on the statement in your question you think it should have been on the 2014 W-2 but it was included on the 2015 W-2. If you are correct, then you are asking them to correct two w-2 forms: the 2014 form and the 2015 form. You will also have to file form 1040-x for 2014 to correct last years tax forms. You will have to pay additional tax with that filing, and there could be penalties and interest. But if you directed them on the last day of the year, it is likely that the transaction actually took place the next year. You will have to look at the paperwork for the account to see what is the expected delay. You should also be able to see from the account history when it actually took place, and when the funds were credited to your account.  or you could just pay the tax this year. This might be the best if there is no real difference in the result. Now if you added the sale to your taxes lat year without a corresponding tax statement from your account, that is a much more complex situation. The IRS could eventually flag the discrepancy, so you may have to adjust last year filing anyway.


Yes it is a scam. There is no money. They are after your personal details so that they can get your money.


Also if you want to dig through history I can do that as well:  How about you heed your own advice:  > Yeah - one slight modification, but make sure you ALWAYS cite your source, otherwise the data is totally worthless, even if it's personal observation.  https://www.reddit.com/r/dataisbeautiful/comments/6rxxvv/distribution_of_beach_umbrella_patterns_oc/dl95b8d/


The banks are required to file Currency Transaction Reports (CTR) to the IRS for aggregate transfers of over $10k. They file Suspicious Activity Reports for suspicious activity with an aggregate value of over $5,000 to the US Treasury. You're probably ok for what you're doing provided you aren't doing to regularly, but I would consider looking into alternate means of transferring funds such as a check to avoid the appearance of impropriety. Also, you should be able to call your bank to do a one time ACH transfer for up to $100k with minimal fees.


I'm not sure, but if it does fall below $70, I don't think the chances of the US emerging as an energy superpower will fall. Nat gas has had low prices (and as a corollary, low prices), for the past couple of years. If Brent really does fall below $70/bbl, then I would assume that natural gas production and efforts would serve as a substitute, and with that, use of the energy source would become more common.  But then again, I don't know shit.


Wow thanks. I was thinking about the PC repair thing. But here is one internet provider that fix pcs for free. So that would not be good idea. :P And Im good at IT im going to IT academy too, I know everythink about that. But i think that its not good idea for my location .. Its village with 30 000 people. And other villages around not far away , its like town,village. And car dealership is cool idea I would love to do that can U give me some more advices how to start as Car dealer? :) Thanks alot <3 sorry for grammar :P


Fed Reserve is not responsible for devaluing the dollar, but it is run by secrecy.   Should be nationalized and in control of by government.   A nation has to have the power over its money printing, it can't let some private large bankers control all its central bank stock shares  and the money policies of a nation.      the dollar goes down during boom times, but goes up during crisis and recession.   the devaluing was more due to too much debt in circulation acting as money supply.  when that debt exploded in 2008 US dollar shot to the moon.     M2  increased not in relations to M1 before the 2008 crisis.  That proves debt/money lent out by commercial private banks was the cause for inflation, not FED base money printing.     on youtube you should watch some bill still videos, ellen brown, steve keen, harry s dent,  richard wolff.   Do not fall for any retarded mises asstrian von hoodwink libertarian gold bug videos telling you how great gold standard or gold exchange program is.  That's just plain slavery.


"Linkedlinked, You might want to seriously take another look at the links that Chris provided you.  Specifically the ones on the IRS website: http://www.irs.gov/businesses/small/article/0,,id=99921,00.html From the IRS website: Businesses must weigh all these   factors when determining whether a   worker is an employee or independent   contractor. Some factors may indicate   that the worker is an employee, while   other factors indicate that the worker   is an independent contractor. There is   no “magic” or set number of factors   that “makes” the worker an employee or   an independent contractor, and no one   factor stands alone in making this   determination. Also, factors which are   relevant in one situation may not be   relevant in another. The keys are to look at the entire   relationship, consider the degree or   extent of the right to direct and   control, and finally, to document each   of the factors used in coming up with   the determination. Perhaps more importantly... pay attention to what happens if you're WRONG: Consequences of Treating an Employee as an Independent Contractor If   you classify an employee as an   independent contractor and you have no   reasonable basis for doing so, you may   be held liable for employment taxes   for that worker (the relief   provisions, discussed below, will not   apply). See Internal Revenue Code   section 3509 for more information. I would STRONGLY recommend that you and your partners give your accountant a call and discuss the matter.  They will be able to help you make the right decision. One of biggest mistakes businesses make in this are is to classify their employees as independent contractors.  The IRS (who happens to be hungry for money right now) comes in and says, ""Nooooooooo... those are employees."" ...and the COMPANY gets to pay the employment taxes.  I actually have person experience with this as I worked for a company this happened to.  Every contractor was re-classified as an employee except for two (myself and one other).  The key reason in that case was that none of the other contractors had any other clients. While I understand that you have other clients, I would still recommend talking to your accountant for an hour or so... just to be 100% sure. Sincerely, Andrew Smith TaxQueries.com"


I agree that a random page on the internet is not always a good source, but at the same time I will use Google or Yahoo Finance to look up US/EU equities, even though those sites are not authoritative and offer zero guarantees as to the accuracy of their data. In the same vein you could try a website devoted to warrants in your market.  For example, I Googled toronto stock exchange warrants and the very first link took me to a site with all the information you mentioned.  The authoritative source for the information would be the listing exchange, but I've spent five minutes on the TSX website and couldn't find even a fraction of the information about that warrant that I found on the non-authoritative site.


With the information you have given, I would say never. Remember the banker is a salesman, and the line of credit is the product. If you don't need to borrow the money for something specific, then you don't need the line of credit in the first place. Even if you did need something I would tell you to save up and pay cash for it. On the tax advantage: There is none, in the US you can deduct your mortgage interest on your taxes but it's not a tax credit it's a tax deductions. Let me explain further: You spend $10,000 on mortgage interest, and you're in the 25% tax bracket. You send the bank $10,000 in return you get at tax savings of $2500. You are still in the hole $7500 You would have been better off not taking out the loan in the first place. On the Emergency Fund: You should have 3 - 6 months of expenses in cash, like a money market account.  This money isn't for investing, it's like insurance, and you don't make money on insurance. The last thing you want to do is have to go into debt right in the middle of an emergency. Say you lost your job, the last thing you would want to do is borrow money, right at the time you have no income to pay it back. The bank is under no obligation to maintain you credit limit and can without notice reduce it, they can in most cases call the loan balance due in full with little or no notice as well. Both of those are likely scenarios if the bank were to become aware of the fact that you were unemployed.


"> Why aren't all government programs required to be self sufficient starting with military?  How would the military be self-sufficient? They'd literally have to *invade and plunder other nations* on a regular basis.  For some things, it just doesn't make sense to expect that. That's why we have ""government services"" in the first place, they are services that we need to be a successful society as a whole, but by their nature cannot be self-sufficient."


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"Here, check out my updated reply above - I added an example that might clarify some of your questions?  Also, to answer the ""to whom"" question, you're signaling those things to the market. By trading at what you believe to be fair value, you're helping the market price all of those ""events"" contained in a futures contract."


"This is the best tl;dr I could make, [original](https://www.usatoday.com/story/money/2017/10/06/hurricanes-batter-payrolls-33-000-jobs-lost-sept/737990001/) reduced by 87%. (I'm a bot) ***** > The unemployment rate, which is calculated from a different survey than the headline job totals, edged lower because gains in the number of people employed outpaced an increase in the labor force, which includes people working and looking for jobs.  > The drop in unemployment likely means it will become even tougher for employers to find job candidates, forcing them to raise pay more substantially and juicing inflation that has been persistently sluggish.  > Hurricane Harvey barreled into the Houston area in late August and Irma lashed Florida in early September, shutting down many businesses and making it difficult for workers to travel to job sites.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/74oszb/hurricanes_blamed_as_33000_jobs_lost_in_september/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~223354 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **job**^#1 **work**^#2 **Unemployment**^#3 **year**^#4 **rate**^#5"


"Yes, your business needs to be in the business of making money in order for you to deduct the expenses associated with it. I suppose in theory this could mean that if you take in $10,000 and spend $30,000 every year, you not only don't get a net deduction of $20,000 (your loss) but you have to pay tax on $10,000 (your revenue). However this is super fixable. Just only deduct $9500 of your expenses. Tada! Small profit.For all the gory details, including how they consider whether you have an expectation of profits, see http://www.cra-arc.gc.ca/E/pub/gl/p-176r/p-176r-e.html This ""expectation of profit"" rule appears to apply to things like ""I sell home décor items (or home decorating advice) and therefore need to take several multi week trips to exotic vacation destinations every year and deduct them as business expenses."" If you're doing woodworking or knitting in your home and selling on Etsy you don't particularly have any expenses. It's hard to imagine a scenario where you consistently sell for less than the cost of materials and then end up dinged on paying tax on revenue."


Much of the time, medication is finished by students with remarkable scholastic execution. There are a few details required for an understudy who needs to go to a therapeutic college or school. There are many schools that offer medicine programs yet you should ensure you get the correct sort of advanced education before applying for any medical school interview course. On the off chance that you apply on the web, you could take a gander at the remarks made by students who examine in the school that encourages you to assess the school and its offices.


The first DirecTV DVRs were TiVos, and they were fantastic. My family had a few.  DirecTV decided they'd rather keep the $1 per month they had to pay TiVo and released their own DVRs, which were widely panned. But if you wanted HD you didn't have a choice. That's why I bought a Series 3 and moved back to cable.  Some time in the last few years DirecTV though better of this decision and started offering new TiVo based boxes.


I know this is pulling at straws and something I am against but how is this different than when some Mississippi businesses decided they didn't want to sell to gay people? Again, I hate that my state did that and I am not for racism but it seems that Reddit was in arms against this yet I have seen many posts like this that is similar and your argument is basically what the business owners said as to why they didn't want to sell to gay people.  In your opinion, what is the difference? The businesses were not publicly owned, should they have been afforded the same leniency as Reddit is showing now...because they were not.  Again, completely against racism and what MS did, but why is it ok to hate on one type of business and not another?


"What percent of my salary should I save? is tightly coupled with its companion, What size “nest egg” should my husband and I have, and by what age? Interestingly, Mr.Christer's answer, 10%, is the number that plugs into the equation that I reference. Jay's 25X rule is part of this. We start with the assumption that one's required income at retirement will be 80% of their pre-retirement income. That's high by some observations, low by others. A quick look at the expenses that go away in retirement - The above can total 35-40% It would be great if it ended there, but there are costs that go up. The above extra spending is tough to nail down, after all, you knew what you spent, and what's going away, but the new items? Crapshoot. (For non-native speakers - this refers to a game with dice, meaning a random event) Again, referencing Mr Christer's answer ""financial planners whom you could pay to give you a very accurate number,"" I'm going to disagree with that soundbyte. Consider, when retirement is 30 years away, you don't know much If I can offer an analogy. I once had the pleasure of hearing Jim Lovell (The astronaut played by Tom Hanks in Apollo 13) give a speech. He said that for the first 99% of the trip to the moon, they simply aimed ahead of their target, never directly at the moon. In this manner, I suggest that with so many variables, accuracy is impossible, it's a moving target. Start young, take the 10% MrC offered, and keep saving. Every few years, stop and see if you are on target, if not, bump the number a bit.  Better to turn 50 and find that after a good decade you've reached your number and can drop your savings to a minimum, perhaps just to capture a 401(k) match, than to turn 50 and realize you've undersaved and need to bump to an unsustainable level. Imagine planning ahead in 1999. You've seen 2 great decades of returns, and even realizing that 18%/yr couldn't continue, you plan for a below average 7%, this would double your 1999 balance in 10 years. Instead you saw zero return. For a decade. In sum, when each variable has an accuracy of +/-50% you are not going to combine them all and get a number with even 10% accuracy (as if MrC were wrong, but the pro would tell you 11% is right for you?). This is as absurd as packaging up a bunch of C rated debt, and thinking that enough of this paper would yield a final product that was AAA."


One difference is the bid/ask spread will cost you more in a lower cost stock than a higher cost one. Say you have two highly liquid stocks with tiny spreads: If you wanted to buy say $2,000 of stock: Now imagine these are almost identical ETFs tracking the S&P 500 index and extrapolate this to a trade of $2,000,000 and you can see there's some cost savings in the higher priced stock. As a practical example, recently a popular S&P 500 ETF (Vanguard's VOO) did a reverse split to help investors minimize this oft-missed cost.


If you buy a stock and it goes up, you can sell it and make money. But if you buy a stock and it goes down, you can lose money.


Their suit looked like shit compared to the original, and all they had to do was stagger the text a bit so that it didn't line up every word in every line. Such a small difference, and I bet they would have sold a lot more.


I'd say blockchain technology more than cryptocurrency, cryptocurrency is just 1 application of blockchain tech; and we have not seen the whole development, not just yet.  Like someone else commented AI/Robotics at large is the 1 big thing I see coming down the pipeline.


The world economies will go to shit. South Korea is part of an electronics manufacturing ecosystem. They make advanced parts for many types of electronics. I would bet you 100 dollars that you have some sort of electronic device in your home that has a samsung manufactured microchip or lcd/oled screen on it.


Greg Lindberg Greg Lindberg is constantly exposed to media. Indeed, this entire stimulus has a profound effect on the brain, making it difficult to sit back and simply relax. For Greg Lindberg, meditation offers a way to handle and ease most stressful situations. Here’s what he suggest: Sit down somewhere quietly, close your eyes, and just stay in the present.


If you end up keeping the student loan, it will be a tax deduction.  Probably not much but at least it's something.


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People have had a taste of affordable health care. It will not go away, but people will demand that their tax dollars are used sensibly for health coverage for all. Maybe the Government could start working for the common people (the majority of it's citizens) instead of being a slave to corporate power and the wealthy.


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"Thanks for the reply man. Yeah it literally says ""closed"" next to the accou t name. But we finally got ahold of someone, I guess they close your account whenever you have $0 in it and the account should open again 1-2 business days after the direct deposit tries to go into her account. At least that's what the lady said.   She hates this bank but we live in a small town and there's just not many options in terms of banking here.  Thanks for the help though man I appreciate it!"


> why not lower the minimum wage?       Because businesses and landlords won't suddenly lower their prices.   They will just take the profits.      As a white collar worker earning far above minimum wage who owns middle class investment property,  I will probably win if minimum wages rise.   My rents will rise more than my maintenance costs + property tax rise.   As my interest rate is fixed, the inflationary pressures will effectively lower my debt.       I know who won't win, and that's the minimum wage workers who receive the pay rise.   Most of their consumption is provided by minimum wage worker intensive areas.   Fast Food, supermarkets, gas, utilities.   All areas that will rise, and what's left will be eaten up by rent rises.       Minimum wage should be fixed to inflation, rising annually by CPI.   Then we should stop talking about minimum wages at all, and focus on how we can assist in upward mobility.


If you want to predict the, the easiest solution is to get hold of a copy of last year's tax forms and fill them in with estimated numbers.  Odds are that none of the more complicated deductions will apply to you this first time around, so I'd suggest just using the federal 1040EZ, and your state's equivalent, for this purpose. If it turns out that you can claim anything more than the standard deduction, that would reduce your taxes, so this is leaning toward the safe side.


Devaluation is a relative term, so if you want to protect yourself against devaluation of your currency against dollars - just buy dollars. Inflation is something you cannot protect yourself against because it is something that describes the purchasing power of the money. You will still need to purchase, and usually with money. A side effect of inflation is usually devaluation against other currencies. So one of the ways to deal with inflation is not to keep the money in your currency over time, and only convert from a more stable currency when you need to make purchases. Another way is to invest in something tangible that can easily be sold (for example, jewelery and precious metals, but it has other risks). Re whats legal and illegal in your country - we don't really know because you didn't tell what country that is to begin with, but the usual channels like travelers' checks or bank transfer should work. Carrying large amounts of cash are usually either illegal or strictly regulated.


"Cash payments are done in situations where your anonymity is almost always canceled by your presence.  If you allow remote anonymous payments the very concept of money laundering disappears. ""Follow the money"" is dead as a policing strategy. I wish, but it's not going to happen without resistance."


Companies with more capital like Panerai, Breitling, Hublot (who once relied nearly 100% on ETA)  started making their own movements 3-6 years ago in response to this impending ETA movement kit shortage.    For the smaller guys like Glycine & Oris and lower end models of TAG, a company called Sellita has jumped into the game.  Their movements are designed to basically be copies of the common ETA movements so manufactures don't have to change a thing, just buy from a new (lesser quality) company.   http://www.ablogtoread.com/sellita-movement-makers-a-little-bit-of-china-in-switzerland/


Compare the different trading accounts available at Money and MoneySuperMarket. All are regulated by FSA and they give protection according to the FSA standards for client deposits i.e. deposits distributed across multiple banks. I personally hold a trading account from Selftrade. You can find statements like below, in their terms and conditions regarding protection of your money deposited with them. If we cannot meet our obligations, your investment may be protected by the Financial Services Compensation Scheme. Compensation is provided for 100% of £50,000.


If you are the owner and lover of an Indian motorcycle and you are considering purchasing an old Indian motorcycle, you will be looking for Indian Motorcycle spare parts provider. We provide the Indian 341 motorcycle spares parts online at affordable prices. If you have an old Indian motorcycle, then will need someone to service the motorcycle and have the security of knowing they supply spare parts. We provide the best Indian motorcycle spare parts.


The problem is the H1B program is currently being abused to fill entry level positions, which it wasn't designed to do.  Now we have a glut of American entry level tech workers unable to find work because companies use H1B workers to fill entry level spots. Why? Because it's cheaper they can save $10k per year per worker. And here's the real kicker, most of these H1B workers go back to their home country once finished, so the talent and money doesn't stay in the states. And now we have a shortage of senior tech workers because who would have thought that not giving entry level workers here the chance to work, while tossing away the H1B workers every five years, would bite them in the ass?!!!


"This is the best tl;dr I could make, [original](http://reason.com/blog/2017/06/06/seattle-becomes-latest-city-to-pass-regr) reduced by 80%. (I'm a bot) ***** > The storekeeper operates his shop on the edge of Seattle, and now will have to compete with neighboring communities that have no soda tax.  > The original proposal also included a tax on diet beverages, on the theory that this would make a regressive tax more equitable.  > So even if it made sense to tax low-income Seattleites so that supposedly smarter officials could then give the money back to them in the form of services the government thinks they need, there&#039;s no guarantee that the soda tax will do even that.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6fwipx/seattle_passes_regressive_soda_tax/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~138928 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **tax**^#1 **Seattle**^#2 **passed**^#3 **diet**^#4 **regressive**^#5"


Sounds like you're doing fine, though somewhat fuzzy: how are you allocating the $500/month? Are you doing dollar cost averaging into funds, accumulating enough $$ to buy round lots of individual stocks, market timing, etc. The summary suggestion: max out the ROTH first, then with $$$ left over, do the after tax, low-cost fund,  monthly dollar cost averaging approach.


"RoR for options you bought is fairly easy: (Current Value-Initial Cost)/Initial Cost gives you the actual return. If you want the rate of return, you need to annualize that number: You divide the return you got above by the number of days the investment was in place, and then multiply that number by the number of days in a year. (365 if you're using calendar days, about 255 if you're using trading days.) RoR for options you sold is much more complex: The problem is that RoR is basically calculating the size of your return relative to the capital it tied up to earn it.   That's simple when you bought something; the capital tied up is the money you put up.   It's more complex on a position like a short option, where the specific transaction in question generates cash when it's put on.    The correct way to deal with this is to A) Bundle your strategy (options, stock and collateral) into one RoR where appropriate, and B) include any needed collateral to support the short option in the calculation. So, if you sell a ""cash-secured"" put, where you have to post the money that you'd need to take delivery of the shares if they were put to you, the initial cost is the total amount you'd need to put the trade on:   in this case, it's the cash amount, less the premium you collected for selling the put.  That's just one example.    But the approach holds more broadly:  if you're using covered calls, your original cost is the cost of the stock less the premium generated by the sale of the call."


"Note: this answer is true for the UK, other places may vary. There are a couple of uses for credit cards.  The first is to use them in a revolving manner, if you pay off the bill in full every time you get one then with the vast majority of cards you will pay no interest, effecitvely delay your expenses by a month, build your credit rating and with many credit cards you can also get rewards. Generally you should wait until the bill comes to pay it off. This ensures that your usage is reported to the credit ratings agencies. In general you should not draw out cash on credit cards as there is usually a fee and unlike purchases it will start acruing interest immediately. The second is longer term borrowing. This is where you have to be careful. Firstly the ""standard"" rate on most credit cards is arround 20% APR which is pretty high. Secondly on many cards once you are carrying a balance any purchases start acruing interest immediately. However many credit cards offer promotional rates. In contrast to the standard rates which are an expensive way to borrow the promotional rates often allow you to borrow at 0% APR for some period. Usually when it comes to promotional rates you get the best deal by opening a new credit card and using it immediately.  Ideally you should plan to pay off the card before the 0% period ends, if you can't do that then a balance transfer may be an option but be aware than in a few years the market for credit cards may (or may not) have changed. Whatever you do you should ALWAYS make sure to pay at least the minimum payment and do so on time. Not doing so may trigger steep fees, loss of promotional interest rates. There is a site called moneysavingexpert that tracks the best deals."


My understanding is they have X amount of seats per plane which are divided up into different fare buckets. So if you see $200 and there's only one seat left in that fare class and it sells out before you hit the buy button then you have to buy a seat in the next fare class.   Not sure how this is bait and switch. Unlike Ticketmaster you don't have a lock on an actual seat. .   Also why not call them in case it's a computer glitch. I'm sure they would honor the original price.


I'm assuming you are in the US here. From a tax perspective you don't need to take any action to start a business and deduct expenses.  If you have earned income coming from a source other than a W2 paying job, then you have a business.  On your taxes, this means you file a schedule C (which is where you will deduct business expenses) and schedule SE (which computes how much FICA tax you will owe on your business income).  When we talk about starting a business, we usually are talking about creating a corporation or LLC.  No particular tax advantage to that in your case, but there could be liability advantages, if you are concerned about that. If you file losses consistently year after year, the IRS might try and classify your business as a hobby.  That's what you should worry about.  I suppose incorporating might reduce the probability of that, but it might not.  Keep good records in case you need to argue with the IRS.  If you do have to argue with them, they will want to ensure that you only used the laptop and internet for your business.  That's a big if, but it's a potentially scary one. IRS Guidelines on hobby vs. business income Note: besides deducting expenses, another advantage of self-employment is opening a solo-401(k) or SEP or SIMPLE IRA.  These potentially allow you to set aside a lot more money than the typical IRA and 401(k) arrangement.  Thing is, you have to have a lot more earned income to really take advantage of them, but let's hope your app gets you there.


Quoting here what I said through modmail: > > looks like automoderator went down the shitter again.   > this happens from time to time, it means basically our 'firewall' gets temporarily disabled. I've asked the reddit admins multiple times wtf is up, to no avail (of course).   > Basically, what you're seeing rn is all the crap that we automatically filter most of the time.    I've removed all of the reported posts just now.


> some companies will go into survival mode   Good, that gives their competition time to take market share.  As long as there is money on the table, someone is going to reach for it.  Markets aren't known for their patience.  > It is a disincentive to produce more when there are more burdens on you.   Bullshit, tax burdens cause tax avoidance, they don't touch production as long as profits are still available.


"Article summation: You may have enjoyed that 30% last year and 6% first half this year, but inflation is almost at 2% and we expect inflationary hedges and non-US-dollar investments to outperform.  My response: Hahaha, what? Is he even looking at his own numbers? Since when did 2% inflation ""trump"" 6, 12, or 30% growth? He can't seriously be implying that people should run to gold..."


I wouldn't do this. There is a chance that your check could get lost/misdirected/misapplied, etc.  Then you would need to deal with the huge bureaucracy to try to get it fixed while interest and penalties pile up.   What you can do is have the IRS withdraw the money themselves by providing the rounting number and account number of your bank.  This should work whether is it a traditional brick and mortar bank or an online bank.


In the intro to the Big Short, the author talks about how he wrote liars poter to steer people away from wall street, but in the end it became a manual for how to work there.  I am not trying to steer you away, or towards anything except the facts. If you want to do well in something, the best idea is to understand it; warts and all.


An option, by definition, is a guess about the future value of the stock. If you guess too aggressively, you lose the purchase price of the option; if you guess too conservatively, you may not take the option or may not gain as much as you might have. You need to figure out what you expect to happen, and how confident you are about it, against the cost of taking the option -- and be reasonably confident that the change in the stock's value will be at least large enough to cover the cost of buying into the game. Opinion: Unless you're comfortable with expectation values and bell curves around them, it's significantly easier to lose money on options than to profit on them. And I'm not convinced that even statisticians can really do this well. I've always been told that the best use for options is hedging an investment you've already made; treating them as your primary bet is gambling, not investment.


You clearly don't understand my post. NK has survived 60 years not because they're dumb, but because they know how to posture and keep the west at bay, and have the support of China. I'd love to wipe them off the map. But they had no real plans to launch. As I said- trump had nothing to do with them backing down, their Chinese masters told them to chill out. And since NK relies on China for their fucking food, they fucking listened.   You know the problem with people like you? I made a reasonable statement of my opinion and instead of going after my point- you insist on attacking the person saying it. You have no idea how to have a debate without personal attacks just like your charlatan boy king.   Go ahead and leave the geopolitics to the adults. Thanks.


"There are two distinct questions that may be of interest to you. Both questions are relevant for funds that need to buy or sell large orders that you are talking about. The answer depends on your order type and the current market state such as the level 2 order book. Suppose there are no iceberg or hidden orders and the order book (image courtesy of this question) currently is:  An unlimited (""at market"") buy order for 12,000 shares gets filled immediately: it gets 1,100 shares at 180.03 (1,100@180.03), 9,700 at 180.04 and 1,200 at 180.05. After this order, the lowest ask price becomes 180.05 and the highest bid is obviously still 180.02 (because the previous order was a 'market order'). A limited buy order for 12,000 shares with a price limit of 180.04 gets the first two fills just like the market order: 1,100 shares at 180.03 and 9,700 at 180.04. However, the remainder of the order will establish a new bid price level for 1,200 shares at 180.04. It is possible to enter an unlimited buy order that exhausts the book. However, such a trade would often be considered a mis-trade and either (i) be cancelled by the broker, (ii) be cancelled or undone by the exchange, or (iii) hit the maximum price move a stock is allowed per day (""limit up""). Funds and banks often have to buy or sell large quantities, just like you have described. However they usually do not punch through order book levels as I described before. Instead they would spread out the order over time and buy a smaller quantity several times throughout the day. Simple algorithms attempt to get a price close to the time-weighted average price (TWAP) or volume-weighted average price (VWAP) and would buy a smaller amount every N minutes. Despite splitting the order into smaller pieces the price usually moves against the trader for many reasons. There are many models to estimate the market impact of an order before executing it and many brokers have their own model, for example Deutsche Bank. There is considerable research on ""market impact"" if you are interested. I understand the general principal that when significant buy orders   comes in relative to the sell orders price goes up and when a   significant sell order comes in relative to buy orders it goes down. I consider this statement wrong or at least misleading. First, stocks can jump in price without or with very little volume. Consider a company that releases a negative earnings surprise over night. On the next day the stock may open 20% lower without any orders having matched for any price in between. The price moved because the perception of the stocks value changed, not because of buy or sell pressure. Second, buy and sell pressure have an effect on the price because of the underlying reason, and not necessarily/only because of the mechanics of the market. Assume you were prepared to sell HyperNanoTech stock, but suddenly there's a lot of buzz and your colleagues are talking about buying it. Would you still sell it for the same price? I wouldn't. I would try to find out how much they are prepared to buy it for. In other words, buy pressure can be the consequence of successful marketing of the stock and the marketing buzz is what changes the price."


The answer is generally yes.  Depending on your circumstances and where you live, you may be able to   get help through a federal, state, or lender program that:


Today notebook is on more demand as compare to laptops and computers because of its lightweight and high battery backups. If your notebook battery is not working properly and planning to purchase a new one, you can opt from manufacturing company who provides the high quality battery both original and OEM at affordable rates.


Ya that is really weird. I have a local bar I eat/drink at least once a week and depending on total, I'll tip 30-100% (if it's a daily special and only $10 total, I'll just leave a $20).    These people become known on a first name basis and are pleasant and helpful. Stiffing them or even being cheap comes off really poorly. We're only taking $5-10 more to make someone's day better. (And usually they'll give you freebies!)


You should not continue contributing, as you're no longer qualified for it. You can keep it, and use the money in it toward the current medical expenses, without a problem. There are specific examples in pub 969.


You are absolutely correct, incorporation and the fiduciary responsibility that comes with it almost always leads to a sacrifice in product quality and long-term business principles. I always think of the difference between McDonalds and In-n-Out hamburgers as examples of where each road leads.


Its like anything else, you need to study and learn more about investing in general and the stocks you are looking at buying or selling. Magazines are a good start -- also check out the books recommended in another question. If you're looking at buying a stock for the mid/long term, look at things like this: Selling is more complicated and more frequently screwed up:


"The same author wrote in that article “they have a trillion? Really?” But that’s what happens when ten   million dollars compounds at 2% over 200 years. Really? 2% compounded over 200 years produces a return of 52.5X, multiply that by 10M and you have $525 million. The author is off by a factor of nearly 2000 fold. Let's skip this minor math error.  The article is not about 401(k)s. His next line is ""The whole myth of savings is gone."" And the article itself, ""10 Reasons You Have To Quit Your Job In 2014"" is really a manifesto about why working for the man is not the way to succeed long term. And in that regard, he certainly makes good points. I've read this author over the years, and respect his views. 9 of the 10 points he lists are clear and valuable. This one point is a bit ambiguous and falls into the overgeneraluzation ""Our 401(k) have failed us."" But keep in mind, even the self employed need to save, and in fact, have similar options to those working for others. I have a Solo 401(k) for my self employment income.  To be clear, there are good 401(k) accounts and bad. The 401(k) with fees above 1%/yr, and no matching, awful. The 401(k) I have from my job before I retired has an S&P index with .02%/yr cost. (That's $200/$million invested per year.) The 401(k) is not dead."


"> I don't know all the background details of the methodology...  Fair enough.  > I do trust the analysis that NZ is freer than the US...  Then I have a specific question.  [The Heritage Foundation's score of business freedom](http://www.heritage.org/index/regulatory-efficiency) is ""a quantitative measure of the ability to start...a business..."" plus other things. In the US, health care is an issue when starting a business because the entrepreneurs must give up a subsided plan with their former jobs and then they need to research and buy a plan at their new company. This is all because health care is tied to work here in the US.  New Zealand doesn't have these problems because, as /u/Ratl0r mentioned, they have universal health care.  Would you agree that the US moving to a universal health care system would make it easier for its citizens to start a business?"


Purchases and sales from the same trade date will both settle on the same settlement date. They don't have to pay for their purchases until later either. Because HFT typically make many offsetting trades -- buying, selling, buying, selling, buying, selling, etc -- when the purchases and sales settle, the amount they pay for their purchases will roughly cancel with the amount they receive for their sales (the difference being their profit or loss). Margin accounts and just having extra cash around can increase their ability to have trades that do not perfectly offset. In practice, the HFT's broker will take a smaller amount of cash (e.g. $1 million) as a deposit of capital, and will then allow the HFT to trade a larger amount of stock value long or short (e.g. $10 million, for 10:1 leverage). That $1 million needs to be enough to cover the net profit/loss when the trades settle, and the broker will monitor this to ensure that deposit will be enough.


It seems pretty clear to me that one of two things will happen regarding your local housing market: Personally, I'd hold out until either 1 or 2 happens, and then buy. (Assuming you plan to stay in your town regardless.) If you wait you'll end up with either a stronger investment or a big discount.


Waste of time prepping for it. This isn't the CFA.  I took mine at 9am on a Friday morning.. halfway through I said fuck this and skipped all problems requiring calculations. Finished an hour + early and still did better than 90% of my classmates who thought they were finance rainmakers


Here are a few points to consider: Taxes: As a consultant, you will be responsible for the employer portion of the Social Security and Medicare taxes, and you might have to pay for state unemployment insurance and state disability insurance, as well. Office expenses: As a consultant, you may be required to buy your own laptop, pay for your own software licenses and buy other office-related supplies. For higher-end services, you may be setting up a complete office and even hire your own secretary and other support staff. Benefits: As a consultant, you will be responsible for your own health insurance, retirement plan and other benefits that an employer would ordinarily provide. Education: Your employer will likely pay for books and magazine subscriptions and send you to seminars, in order to keep your skills current; your client won't. Liability: Consultants face certain liabilities that employees don't, and have to factor the cost of insuring against those risks into their rate. Let's say you're a software developer, and your faulty code causes a nuclear plant's reactor core to overheat and melt down. As an employee, you'll get fired. As a consultant, you will get sued. Even consultants in low-risk fields can easily shell out thousands of dollars per year for a basic general liability policy. Sales & marketing: Don't forget that when your contract ends, you will have expenses associated with finding your next client, including the opportunity cost of not getting paid for your services during that time. All these factors contribute to your overhead, which you have to roll into your consulting rate. You should also add a margin of profit -- after all, as you're in business for yourself, you should be compensated for taking this entrepreneurial risk.   If you're looking for a quick over-the-thumb rule, you can figure that your equivalent consulting rate should be about twice what you would be paid hourly as an employee. Assuming you work 2,000 hours a year, if you would receive a $100,000 salary, your hourly rate should be $100. Of course, this is only a very rough guideline. Ultimately, your rate will mostly be influenced by how established you are and how much your services are in demand.


"Colloidal mineral promoters would like you to believe that mineral deficiency is a widespread cause of disease. To counter this alleged problem, they are marketing products said to be water-leached from shale in the Emery Coal Field of central Utah. According to various sales pitches, an ailing cattle rancher named Thomas Jefferson Clark was told about a healing stream by Chief Soaring Eagle, a Paiute medicine man and elder. The miracle waters were well-known to the local natives who supposedly had benefited from them for hundreds of years [1]. Clark drank from them and quickly recovered from his malady. Intrigued, he followed the stream back to its source in organic-rich shales. By 1931, after several years of experiments, he sold his own brand of tonic rich in ""colloidal minerals."" As word spread, a minor legend was born. Light Energy Productions has recorded an account of Clark's many adventures [2]. Curiously, according to an article in Self magazine, the present-day Paiutes have never heard of either Chief Soaring Eagle or the renowned healing powers of their ancestral waters [3].  The most notorious colloidal mineral promoter is Joel D. Wallach, DVM, ND, who says that Americans desperately need his minerals. Wallach has a long history of involvement in dubious healthcare schemes, such laetrile treatment for cancer, as well as chelation and hydrogen peroxide therapies for coronary artery disease. He has also hosted an AM radio talk show in San Diego titled ""Let's Play Doctor"" and briefly plied naturopathy at Kurt Donsbach's Hospital Santa Monica. His widely distributed ""Dead Doctors Don't Lie!"" audiotape [4] quotes from U.S. Senate Document 264:  [Erosion and unwise farming methods] have led to mineral-depleted soils resulting in mineral-deficient plants, livestock, and people . . . . .the alarming fact is that food now being raised on millions of acres of land that no longer contain enough of certain minerals are starving us -- no matter how much of them we eat. No man of today can eat enough fruits and vegetables to supply his system with the minerals he requires for perfect health because his stomach isn't big enough to hold them. . . . Laboratory tests prove that the fruit, vegetables, grains, eggs, and even the milk and meats of today are not what they were a few generations ago. . . . It is bad news to learn from our leading authorities that 99% of the American people are deficient in these minerals [74th Congress, 2nd Session, 1936].  The cited quotation is genuine, but it did not, as colloidal mineral promoters usually imply, arise from a government research study. In fact, it is merely a reprint of a baseless opinion piece that originally appeared in the June 1936 issue of Cosmopolitan magazine and was placed into the Congressional record by a Florida senator [5]. Most Americans are not slowly starving to death or dying from mineral deficiency.  Some promoters use fraudulent ""symptomatology questionnaires"" for assessing purported mineral deficiency-related health problems. The test asks more than 1,000 questions about physical and psychological symptoms. As far as I can tell, everyone who takes it will be advised that supplements are needed. The test costs $125 but is free if colloidal minerals are purchased.  At present, five mines [6] in Emery County, Utah supply three main manufacturers [7] with bulk quantities of shale leachate that are repackaged and sold as distinct products by a burgeoning network of multilevel distributors. T.J. Clark & Co.'s Daddy Dearest 1-9/Blackhawk Mine, which started it all in the late 1920s, is the source of ""BHI Lifeminerals,"" ""Toddy,"" ""Golden Minerals,"" and other product lines. The Clark company controls leases totaling approximately 20 acres and has established major overseas distributorships. In an effort to distinguish itself from a host of recent competitors, it downplays its product's shale origins and has coined the term ""PolyfloraminTM"" (literally ""many plant minerals"") to describe it. Its main rival, Rockland Corporation's Body Toddy Mine, opened in 1985 and produces products for American Longevity, Body Systems Technology, Source of Health and LifePlus. Rockland currently owns 1,000 acres of shale leases in Emery County and a new production/bottling facility in Tulsa, Oklahoma. Its reserves are estimated to be 320 million metric tons of shale, enough for 950 billion gallons of product. Rockland has no qualms about the source of its products: several color photos of mining operations are prominently displayed on its home page. New Vision International and Nature's Sunshine, have refused to disclose the source of the leachate used in their products.  In all of the operations, the shale (often referred to as ""a special ancient rainforest deposit"") is mined, crushed, ground to a powder-like consistency, and placed into large stainless steel vats. The vats are then submerged in ""cool, contaminant free water at low temperatures."" Many distributors stress these conditions to counter claims that acids, solvents, and high temperatures will ruin the minerals' special properties. Unnamed competitors are routinely accused of using such faster methods in order to force mineral extraction. After 3-4 weeks, during which time water-soluble components of the shale enter into solution, the bitter-tasting leachate is siphoned off, filtered and ready for tonic, capsule, and oral-spray production. Depending upon the filtration process used, a variable amount of insoluble particulate matter suspended in the leachate will pass into the final product. Advertisements state that colloidal supplements contain 75 ""minerals."" Actually they are elements occurring in various mineral forms: Ag, Al, As, Au, B, Ba, Be, Bi, Br, C, Ca, Cd, Ce, Cl, Co, Cr, Cs, Dy, Er, Eu, F, Fe, Ga, Gd, Ge, H, Hf, Hg, Ho, I, In, Ir, K, La, Li, Lu, Mg, Mn, Mo, N, Na, Nb, Nd, Ni, O, Os, P, Pb, Pd, Pr, Pt, Re, Rh, Ru, S, Sb, Sc, Se, Si, Sm, Sn, Sr, Ta, Tb, Te, Th, Ti, Tl, Tm, V, W, Y, Yb, Zn, and Zr. Some distributors modify their tonics with flavorings and/or nutritional additives, but most sell them straight and emphasize their ""all-natural"" quality."


In the United Kingdom, We will pay you cash for your unwanted or old clothes! We pay up to 50p per kilo for clothes, footwear and accessories, all items need to be in a good wearable condition.  Our company recycles clothes and other goods.  All items are graded, sorted and processed in our warehouse and are exported to cash for clothes Bromley. We will buy your used clothing and shoes at the top rate of 50p per kilo as these are the items that are in demand.


"He didn't ask them to do those things! They forced him to give them his money!  If I were allowed to opt out of parts of the government, I would. I'll pay the local taxes that build the local roads and I'll pay the tolls to use the larger roads. If you let people compete with the police, I'd opt out of the public police, as well. I'll also gladly pay a subscription for a fire company (as it happens, my fire department *is* private, albeit non-profit, and I *do* pay a subscription).  Your argument is literally ""That guy who robbed you spent the money on a bench and you sat on it. So, yaknow, he was justified robbing you."""


*Target - All We Have to Do is Be Better Than Walmart!*  I'm sure having better paid, less miserable employees is good for business. Hopefully other large retailers will follow Target's example. The same strategy seems to have served Costco well.