If his ATM card is operational and (assuming it is Visa/Mastercard), he can use it at grocery stores and get cashback. Typically, there is no charge for this service.


> Vouchers pay the private schools what the public school would have received in the first place. The public school doesn't pay as much in taxes, and has a government supported administration that cuts waste at every chance. So the private schools collect all the voucher money, figure out they can't turn a profit, and go bankrupt. Sending all the kids they had enrolled back to the public schools or forcing another issuance of another voucher. Costing the school system double to triple for every kid that gets screwed that way. Which means the public school system doesn't have that money in their budget either, forcing further cuts.   I have never considered this before. I can see the issue with it. You've changed my view on vouchers being a good system.  >Secondarily it also causes self segregation at the schools, because all the affluent parent can afford to drive their kids to another school, poor kids need a bus that's not covered by a voucher. So we end up with schools that are 90% black/hispanic with only 50% speaking english in a county that is 66% white. While around the corner is a 90% white school where only 5% speak spanish when over 25% of the population does. And that's just the racial demographics that are immediately obvious. The poverty levels are harder to get data on.  I don't consider this is necessarily a bad thing though. If schools are self segregated, it allows for teachers to teach in a certain way that is better for their demographic.   >Either school security officer Bob on a power trip, or the delinquent in the hall, the problem is the same. Fearing for safety when there really shouldn't be a problem.  You don't get either of those at schools where there is almost no poverty. You will have the same problem in Canada if you move to a school district that has a significant amount of poverty.  >And I get the feeling you don't live near a population center.  I don't live in a big city, but I live in a suburban area.


"My answer isn't a full one, but that's because I think the answer depends on, at minimum, the country your broker is in, the type of order you place (limit, market, algo, etc.,) and the size of your order. For example, I can tell from watching live rates on regular lot limit orders I place with my UK-based broker that they hold limit orders internally until they see a crossing rate on the exchange my requested stock is trading on, then they submit a limit order to that exchange.  I only get filled from that one exchange and this happens noticeably after I see my limit price print, and my fills are always better than my limit price. Whereas with my US-based broker, I can see my regular lotsize limit order in the order book (depth of book data) prior to any fills.  I will routinely be notified of a fill before I see the limit price print.  And my fills come from any number of US exchanges (NYSE, ARCA, BATS, etc.) even for the same stock. I should point out that the ""NBBO"" rule in the US, under SEC regulation NMS, probably causes more complications in handling of market and limit orders than you're likely to find in most countries."


You're in the same situation I'm in (bought new house, didn't sell old house, now renting out old house). Assuming that everything is stable, right now I'd do something besides pay down your new mortgage. If you pay down the mortgage at your old house, that mortgage payment will go away faster than if you paid down the one on the new house.  Then, things start to get fun.  You then have a lot more free cash flow available to do whatever you like. I'd tend to do that before searching for other investments.  Then, once you have the free cash flow, you can look for other investments (probably a wise risk) or retire the mortgage on your residence earlier.


"As you use the equations do you stop and ask, ""Why is this option better than using something else?"" In physics I have to do this all the time. Two different equations can give the same solution, or something similar, but along with the solution one may give interesting output along the way and the other may give no meaningful output other than the solution. A physics example to highlight my point: do I want to use sin(x) or the series expansion of sin(x)? I apologize in advance for my ignorance if this follow up questions is not applicable."


Dude, let go of the Muslims all being terrorists thing. One of us is wrong on the thing they keep bring up. It ain't me.   Who I voted for is none of your business. I intentionally don't share such information. The only reason you want to know is so that you can bash me for my opinion. That's why you brought up Obama and Bernie. No, thanks. Go pester someone else about their politics.


"Banks are currently a lot less open to 'creative financing' than they were a few years ago, but you may still be able to take advantage of the tactic of splitting the loan into two parts, a smaller 'second mortgage' sometimes called a 'purchase money second' at a slightly higher interest rate for around 15-20% of the value, and the remaining in a conventional mortgage.  Since this tactic has been around for a long time, it's not quite in the category of the shenanegans they were pulling a few years back, so has a lot more potential to still be an option.  I did this in for my first house in '93 and again in '99 when I moved to a larger home after getting married.  It allowed me to get into both houses with less than 20% down and not pay PMI. This way neither loan is above 80% so you don't have to pay PMI.  The interest on the second loan will be higher, but usually only a few percent, and is thus usually a fraction of what you were paying for the PMI. (and it's deductible from your taxes) If you've been making your payments on time and have a good credit rating, then you might be able to find someone who would offer you such a deal.  You might even be able to get a rate for your primary that is down in the low 4's depending on where rates are today and what your credit rating is like.   If you can get the main loan low enough, even if the other is like say 7%, your blended rate may still be right around 5% If you can find a deal like this, it's also great material to use to negotiate with your current lender ""either help me get the PMI off this loan or I'm going to refinance.""  Then you can compare what they will offer you with what you can get in a refinance and decide what makes the most sense for you.  On word of warning, when refinancing, do NOT get sucked into an adjustable rate mortgage.  If you are finding life 'tight' right now with house payments and all, the an ARM could be highly seductive since they often offer a very low initial rate.. however then invariably adjust upwards, and you could suddenly find yourself with a monster payment far larger than what you have now.  With low rates where they are, getting a conventional fixed rate loan (or loans in the case of the tactic being discussed here) is the way to go."


If you are to take your lead generation campaign to another level, you have to do more than read call scripts over the phone or send cookie cutter emails to random contacts. In a highly diversified market, relying on any single method to generate leads is about as effective as having only one leg in a one-on-one football match.  Make a switch to multi-channel lead generation and watch your marketing campaign shoot forward like someone who just grabbed some magic mushroom in Mario Kart.


Graduating from college is probably one of the most fulfilling triumphs you’ll ever achieve in your entire life. However, that joy also brings bigger responsibilities in life that could affect tax time too. This specific time in your life will have a lot to offer and before the winds of change take you to wherever you dream of, here are some advices from [Southbourne Tax Group](http://www.thesouthbournegroup.com/) to make your taxes easier where you can get a refund during filing time and save money as well.  If your modified adjusted gross income is below $80,000 and you’re single, up to $2,500 of the interest portion of your student loan payments can be tax deductible, and below $160,000 for married person filing jointly.   Job hunting expenses can be tax deductible too but there are exceptions such as expenses involved in your search for a new job in a new career field and working full-time for the first time. Major tax breaks are expected in case you are moving to a new and different city for your first job.    Get a jump start on retirement savings with your company’s 401(k). Each year, you can secure up to $18,000 from your income taxes by contributing on one. If you have a family coverage, you could secure $6,750 from contributing to a health savings account in case you are enrolled in a high-deductible health plan. And if you are single, you can secure up to $3,400. Placing your money into a flexible spending account could keep an added $2,600 out of your taxable income.    Getting big deductions for business expenses is possible if you are planning to be a freelancer or to be your own boss as a new college graduate. Southbourne Group also advises saving at least 25% of what you’re earning for the IRS.   Research more about lifetime learning credit and understand its importance. You can claim up to $2,000 of a tax credit for post-secondary work at eligible educational institutions. This is possible if your adjusted gross income is below $65,000 as a single filer, or below $131,000 as a married person filing jointly.  Saving money has a lot of benefits and one of which is cutting your tax bill. If you’re a married person filing jointly and have an adjusted gross income of less than $62,000, you may qualify for the saver’s credit, while for a single filer, it should be below $31,000. That can reduce your tax bill by up to 50% of the first $2,000 if you’re a single filer, or $4,000 if you’re a married person filing jointly you contribute to an eligible retirement plan.   Southbourne Tax Group doesn’t want you to overspend on tax software and getting professional help in this regard. The firm suggests using the free packages from trusted tax software companies if your tax situation is quite simple. Get that professional help at Volunteer Income Tax Assistance program, which can help you meet with a pro at little or no cost.


This is the end goal. Drivers are a temporary inconvenience for these companies.   That's not to say that they'll be immediately profitable when they don't have to pay drivers as I imagine there will be a steep race to the bottom as one tries to undercut the other.


It's not a question with a single right answer.  Other answers have addressed some aspects, my case may provide some guidance as to one way of looking at some of the issues. When I had student loans, the interest rate was RPI¹ and I could get more than that as the return on a savings account.  At the time I could get a whole year's worth of loan at the start of the year, save it, and draw from the savings, partly because I had a little working capital saved already.  Importantly in my case, the loans were use-it-or-lose-it: if I didn't take the loan out by about halfway through each academic year, it was no longer available to me. The difference in interest rates was probably similar to what you can get with a careful choice of savings account and 0% on the loan (I did this in the 90s when interest rates were higher). Over a four year degree the interest I earned this way added up to no more than about £100, which went someway towards offsetting the fact I would be paying interest after graduation. If you can clear the loan before you pay any interest it would give you a return, but a small one that could easily be eroded by rate changes or errors on your part (like not keeping on top of the paperwork).  It still may be beneficial to take out the loans depending on your capital needs -- in my case it made buying a house after graduating much easier, as we still had money for the deposit (downpayment) and student loan rates were much lower than mortgage rates (100% mortgages were also available then, but expensive). ¹ RPI stands for retail price index, a measure of inflation.


Theo thuyết Ngũ hành tương sinh ( Kim sinh Thủy, Thủy sinh Mộc, Mộc sinh Hỏa, Hỏa sinh Thổ, Thổ sinh Kim ) thì:  - người mạng hỏa nên chọc mộc – các loại Tiền để đầu tư - người mạng thủy nên chọn kim – Vàng để đầu tư - người mạng mộc nên chọn thủy – Dầu thô để đầu tư - người mạng kim nên chọn thổ – Bất động sản để đầu tư  => người mạng thổ nên ủy thác đầu tư => người mạng kim nên ủy thác đầu tư ở các kênh đầu tư Vàng – Chứng Khoán


Yes, becoming a millionaire is a reasonable goal.  Saving 15% of your income starting at age 25 and investing in the stock market will likely get you there. The CAGR (Compound Annual Growth Rate) of the S&P 500 over the last 35 years has been about 11%. (That 35 years includes at least two fairly serious crashes.) You may get more or less than that number in the future, but let's guess that you'll average 9%. Let's say that you begin with nothing invested, and you start investing $100 per week at age 25. (If your annual income is $35,000, that is about 15% of your income.)  You decide to invest your money in an S&P 500 index mutual fund. 35 years from now when you are 60 years old, you would be a millionaire ($1.2 Million, actually). You may earn less than the assumed 9%, depending on how the stock market does.  However, if you stick with your 15% investment amount throughout your whole career, you'll most likely end up with more, because your income will probably increase during your career.  And you will probably be working past age 60, giving your investments time to earn even more.


Some liquidity Since you're using IB, and you seem to be an investor not a trader, so you won't notice especially if you walk your orders, but you will suffer the bid/ask spread as everyone else albeit wider.   If buying, the best strategy unless if one is time constrained is to walk the entire bid from the best bid to the best ask.  It is highly likely that someone will hit your order before you hit the best ask.  If they don't, as a long term investor, the few pennies won't make or break you, especially if the price per share is 100 USD equivalent, but it is an excellent habit to form and fun. Since you're buying ETFs, even though your orders are small, you would be adding liquidity to your market, helping it become more efficient because your orders could be used to arbitrage against all of the ETF's holdings, in turn providing liquidity for those holdings. No liquidity This could only be done with an extremely low cost broker like IB because the trading commissions would make it prohibitively expensive. There are huge risks when trading an illiquid security such as VEUR.  EWL would be much less risky thus less expensive. Securities with no liquidity can be traded, but they must be traded very carefully.  In the case of a security that can only attract about 20 shares per day in volume, only single shares should be bid.  The market makers, suffering from a dearth in volume may not even be willing to haggle; therefore, the only recourse is a statistical arbitrageur, who will attempt to profit from the spread between other more liquid versions of the security. Considering the available alternative, VEUR is not recommended to trade.


Yours two funds are redundant.  Both are designed to have a mix of bonds and stocks and allow you to put all your money in them.  Pick the one that has the lowest fees and stick with that (I didn't look at the funds you didn't select...they didn't look great either).  Although all your funds have high fees, some are higher than others, so don't ignore fees. When you have decided on your portfolio weights, prioritize your money thus: Contribute enough to your 401(k) to get the full match from your employer Put everything else toward paying off that credit card until you have 0 balance.  It's ok to use the card, but let it be little enough that you pay your statement balance off each month so you pay no interest. Then set aside some savings and invest any retirement money into a Roth IRA.  At your income level your taxes are low so Roth is better than traditional IRA or 401(k).  If you max out your Roth, put any other retirement savings in your 401(k).


Honestly man, that's awesome. I'm super happy you have a great job and a caring company. I've been out of school now for a year and at my current career just over a year. They haven't offered me an increase yet, but I know I could snag another job and make 40% more. It's tough knowing that no matter what they can't / won't match it. Granted I'm probably at a different level /seniority of my career then you, but I speak for my current market and those in my age group (<25) it's much more lucrative to move out and up then stay within.    Edit: and their business model is to hire outside rather than promote (don't ask me...)


"Thank goodness you replied again before i did i completely forgot to respond and that notification was a good reminder. Im genuinely enjoying the conversation and sorry about the name calling most of my political and economic debates happen with family where name calling is not only accepted but expected lol.    > Too many people walk into the emergency room uninsured, or under-insured. They get emergent care that they are not covered for, and the hospitals jack up the prices greatly in the hopes of getting a larger portion reimbursed by Medicare  [this link] (https://insight.kellogg.northwestern.edu/article/who-bears-the-cost-of-the-uninsured-nonprofit-hospitals) seems to contradict that statment. i dont know enough about the system to say youre wrong but it doesnt sound very real to me.   >Again, Switzerland has lower tax rates than the US, but they don't even crack the top 20 when it comes to countries with low taxes.  Youre obviously not wrong but there are many places on that list id love to retire in. Amongst the developed world from what im seeing [here] (https://en.wikipedia.org/wiki/List_of_countries_by_tax_rates) has the 27th lowest individual income tax rate when it applies to there highest bracket. now i use the term ""developed"" very loosely here as there are countries ahead of them on that list that clearly arent part of the developed world but its not up to me to decide what the swiss rank is.  >So you work in construction, an industry in which commercial is notorious for underbidding a contract (whether to government or to private), and then running into unexpected overages that cause the job to go over schedule, over budget.  This is dangerously false. The industry isnt known for underbidding and going over budget. Only really really really bad contractors do that. What a lot of good contractors do is, when you know a general contractor for a long time or youre trying to to build a relationship you do eachother favors so they will say for instance ""hey man i dont have the budget to pay you what you need so take a loss on this one and we'll take care of you on the next one"" or they will find some money unaccounted for in the budget and throw it your way in the form of extra work done.   >Its not like the government just sits around and takes it. I know of at least one federal contractor who went to federal prison for fraudulently winning contracts in my part of the country.  In my line of work they really do just sit back and take it, from what ive experience you have to be super greedy and really fuck up to get their attention. 1 job i did, i was only there for 3 weeks total and in that 3 week period i saw all types of osha violations, rescource waste, time waste and plenty of govenrment workers who didnt really know what they were doing ""checking"" on the job to make sure progress was being made.   >It is because government has tremendous resources that they can throw at a problem.  This is where we really do differ, i see this as a bad thing. I see it as them not spending money efficiently money that they got from me and my hard work. Look at the f22 raptor for instance it is now 3 times over budget from the projections for how much of an upgrade? Whats the point of a contract if someone can just go over budget 3 times over without anyone blinking an eye. Why not just say ""get it done and bill us"". I understand your point of view completely i just vehemently disagree with it especially because i think the government source of revenue is based around theft."


In the end you, your dad, and your brother should come to an agreement so there's no surprises or unfulfilled expectations, but here's my opinion: If you can afford to make the additions now: I would offer to pay fully for the addition, with the understanding that the additional value that it generates is yours.  That keeps everything in your name, and should be fair since you pay for the expense and someday reap the benefit. If you can't afford to make the additions now: I see two options: have your brother buy your father's house, giving you half of the proceeds, and use those proceeds to make the addition as above, or split the cost of the addition and have some sort of contract drawn up promising to reimburse him (with the amount of the reimbursement very clear, like XXX dollars plus accrued interest at Y% annually) as a condition to selling the house.   One other part you didn't mention is any compensation you get for keeping your father at your house.  What compensation (if any) you get is not as important as making sure that the three of you all agree on what is fair.   In any case, clear, honest communication and full agreement is key. There is a very real risk that when your father's estate is settled that there will be disputes over what the agreement was and who it entitled to what.  Having everything in writing may sound cold, but it keeps everyone on the same page.


Here are some ways my family saves money on our home insurance: Here are a couple of good articles on the subject: Finally - make sure you get adequate coverage!  Make sure you consider your real insurance needs, and not just the cost of the insurance.  If the worst happens, you'll want good coverage with a good company.


>Note from the Editor: Hyperinflation is becoming more visible every day—just notice the next time you shop for groceries. All signs say America’s economic recovery is expected to take a nose dive and before it gets any worse you should read The Uncensored Survivalist. This book contains sensible advice on how to avoid total financial devastation and how to survive on your own if necessary. Click here for your free copy  If someone includes this kind of stuff on their website, I assume whatever they say is probably uninformed at best.


"Hard pulls you give your explicit permission to run do affect your credit.  Soft pulls do not. While hard pulls affect your score, they don't affect it much.  Maybe a couple few point for a little while.  In your daily activities, it is inconsequential.  If you are prepping to get a mortgage, you should be mindful. Similar type hard pulls in a certain time window will only count once, because it is assume you are shopping.  For example, mortgage shopping will result in a lot of hard pulls, but if they are all done in a fortnight, they only count against once.  (I believe the time window is actually a month, but I have always had two weeks in my head as the safe window.) The reason soft pulls don't matter is because businesses typically won't make credit decisions based on them.  A soft pull is so a business can find a list of people to make offers to, but that doesn't mean they ACTUALLY qualify.  Only the information in a hard pull will tell them that.  I don't know, but I suspect it is more along the lines of ""give me everybody who is between 600 and 800 and lives in zip code 12344"" not ""what is series0ne's credit score?"" A hard pull will lower your score because of a scenario where you open up many many lines of credit in a short period of time.  The credit scoring models assume (I am guessing) that you are going to implode.  You are either attempting to cover obligations you can't handle, or you are about to create a bunch of obligations you can't handle. Credit should be used as a convenient method of payment, not a source of wealth.  As such, each credit line you open in a short time lowers the score.  You are disincentivized to continue opening lines, and lenders at the end of your credit line opening spree will see you as riskier than the first."


Yes, on the settlement the stock is yours to sell with no risk of freeride or day trading applying.


Avoir les équipements de restauration parfaits résout de nombreux problèmes et vous aide à faire de la nourriture délicieuse. Allez sur Internet pour trouver le bon type d'équipement dont vous avez besoin et qui correspond à vos besoins et à acheter en conséquence.


Couple of my friends went through a fraud agent who ran off with their money and the landlords were none the wiser. So it always pays to be a bit diligent. Are they a well known letting agents nationally ?  Many agents do have different accounts to manage their properties. Yours seems a case as such probably i.e. they manage the property on behalf of the landlord so keeping their monies differentiated. Did you sign an agreement ? If yes go through what is written in the agreement, most of it is same in all agreements but have a look anyway. Check if there is mention of deposit protection scheme. One thing you could do is go to a bank to do the transfer, the same bank where the letting agent holds their account and confirm from them if it is really a personal account or a business account. I am not sure how possible it is, but doesn't hurt to ask. If it is a personal account, then fraud is the most possible cause. The sort code should tell you which branch and which bank. Or the best option is to ask the estate agents to show a recent statement of the bank account, where the money is to be deposited into. Some tips


> Say you repeal a tax, without reducing public spending. Then if you analyze the economic impact, that does not fairly represent the impact of the tax, now does it?  You are right but my issue is that you are accounting for changes that are not happening.  If you are comparing a country's tax structure before and after a wealth tax then I would agree; however, in this case all the subjects are separate economies and have (presumably) found some sort of equilibrium.  The wealth tax policy is not changing for them so there is no surplus or deficit of public spending to adjust for.


"[""Lights in the Tunnel""](http://www.thelightsinthetunnel.com/) dose a good job in coming up with an alternative economic system for when robots and machine replace most of the work done by humans.. Though personally I think that as technology evolves from factory sized machines which support employment to much smaller cheaper machines such as desktop 3D Printers or Lab-on-a-chip devices, then the need for factories and workers will disapear, replaced by a second industrial revolution - [“industrialization of the home”](http://nutrinium.blogspot.co.uk/2012/06/normal-0-false-false-false-en-gb-x-none.html), maybe.."


This is a topic which requires a lot of reading, but here's a place to start:  http://web.worldbank.org/WBSITE/EXTERNAL/DATASTATISTICS/EXTDECSTAMAN/0,,contentMDK:20908551~menuPK:2648276~pagePK:64168445~piPK:64168309~theSitePK:2077967~isCURL:Y,00.html  Essentially, (in an effort to make the GDP more accurate), we adjust it for things like inflation. The problem is that our inflation numbers were severely affected by changes Clinton made, including Hedonics.  GDP is adjusted by a inflation model that is different than our inflation reporting, meaning that the two do not represent comparable data, (which is why we can have a growing GDP but an apparent loss of purchasing power, even when the GDP growth isn't being concentrated in the already wealthy).  GDP itself is a concept that was introduced by Keynes, and is itself of limited utility, something Keynes himself talked about. It should never be used as a universal measure of economic health, although that's what we pretend it is today.


Is the stock's price at any given moment the price at which all shares could be sold to new investors? No.  For the simple fact that the current bid/offer always have sizes associated. What you should be looking at is the consolidated price to buy/sell X shares (10bn doesn't really work as not everyone is willing to sell/buy). If you look at the spread of the consolidated price at your quantity level, you'd notice it would be in stark contrast to the spread of the best bid/offer but (by definition) that would be the price to buy or sell X shares to new investors. Edit Calculation of the consolidated price of X shares: You go through the order book and calculate the size-weighted average price until you covered X. Example: So the consolidated price for 3000 shares would be $39.80, the consolidated price for 2000 shares would be $39.90.


Congrats on finishing your time and starting school.  I recommend reading the Intelligent Investor by Benjamin Graham.  Other than being a great basic investing book, it highlights a shift from actively managed brokerage accounts.  If you want to be an IB, it is important to understand the market you are getting into (and the different changing aspects of it).  As for further reading / prep, start learning about the Series 7, 63, 66 exams.  Become comfortable with finances and never stop reading.  Good luck!


A general rule of thumb is to avoid having more than 5% of your investments in any single stock, to avoid excessive risk; it's usually even more risky if you're talking company stock because an adverse event could result in an inferior stock price and you getting laid off. Under other circumstances, the ideal amount of company stock is probably 0%. But there are tax benefits to waiting, as you've noted, and if you're reasonably confident that the stock isn't likely to jerk around too much, and you have a high risk tolerance (i.e. lots of extra savings besides this), and you're comfortable shouldering the risk of losing some money, it might make sense to hold onto the stock for a year - but never any longer. The real risk to holding a lot of company stock doesn't depend on how often you buy it and sell it per se, but having period purchases every month should make it easier for you to ladder the funds, and regularly sell your old shares as you purchase new shares. You might also consider a stop-loss order on the stock at or near the price you purchased it at. If the stock is at $100, then you buy at $85, and then the stock drops to $85, there are no more outstanding tax benefits and it makes no sense to have it as part of your portfolio instead of any other speculative instrument - you probably get better diversification benefits with any other speculative instrument, so your risk-adjusted returns would be higher.


It's impossible to determine which event will cause a major shift for a certain currency pair. However, this does not mean that it's not possible to identify events that are important to the overall market sentiment and direction. There are numerous sites that provide a calendar for upcoming and past events and their impact which is most of the time indicated as low, medium and high. Such sites are: Edit: I would like to add to that, that while these are major market movers, you cannot forget that they mainly provide a certain direction for the market but that it's not always clear in which direction the market will go. A recent and prime example of a major event that triggered opposite effects of what you would expect, is the ECB meeting that took place the 3rd of December. Due to the fact that the market already priced in further easing by the ECB the euro strengthened instead of weakening compared to the dollar. This strengthening happened even though the ECB did in fact adjust the deposit by 10 base points to -0.30 % and increased the duration of the QE. Taking above example into consideration it's important to always remember that fundamentals are hard to grasp and that it will take a while to make it a second nature and become truly successful in this line of trading. Lastly, fundamentals are only a part of the complete picture. Don't lose sight of support and resistance levels as well as price action to determine when and how to enter a trade.


I still think it will be rather difficult. Best bet is to call around to the five or so closest dealers and express you are considering the car contingent on price (NOT PAYMENT). Ask for them to send you their best out-the-door price on a base model. Then when you get quotes from each of them, shop the lowest price around. Usually dealers will budge a few hundred bucks to beat other dealers.   But a 2018 STI will be difficult, if not impossible, to negotiate a few grand under MSRP. Understand that the people that buy this car are not doing so because it is a great bargain. So dealers can usually push this car at or near MSRP.   Lastly, do not set foot in a dealership until you have a firm out-the-door price. They will play sales tricks until you give up on negotiation and will pay anything just to get out of there. The only time you should go to the location is to sign papers and drive away with the car. Do not worry about being nice and congenial with the salesperson.   This advice got me my current vehicle at about 15% below the lowest True Car estimate. I don't claim this is the best advice out there but it works.


Here are the lists for the tax forms that Deluxe and Premier include. I think you'll be fine with Deluxe because it sounds like all you need is the Schedule D/8949 forms. Deluxe actually includes most investment related forms.


No major is useless, some are more useful than others though. I can't really comment on the usefulness of an Economics degree as I majored in Finance (Hopefully someone with an Economics BS/MS/MD can answer that for you here shortly). While I have your attention though, what has you interested in an Economics degree?


">It's Disney so they will stay family friendly vs another company that may have gone R.  ""Family friendly."" - i.e. neutered and toned down for moral Orels.   They should just turn the franchise over to HBO. Prudish families can go fuck themselves and die."


"I use Google Finance too. The only thing I have problem with is dividend info which it wouldn't automatically add to my portfolio. At the same time, I think that's a lot to ask for a free web site tool. So when dividend comes, I manually ""deposit"" the dividend payment by updating the cash amount. If the dividend comes in share form, I do a BUY at price 0 for that particular stock. If you only have 5 stocks, this additional effort is not bad at all. I also use the Hong Kong version of it so perhaps there maybe an implementation difference across country versions. Hope this helps. CF"


Me too. The guy who wrote this article is the same as me. I never watch commercials, and it's extremely rare if they ever cause me to go buy something. I really don't see the point in commercials anymore. Any commercials I do remember are the funny ones and I'll remember the characters better than the actual product. If it wasn't for Comcast bundling cable with our internet for a low price we wouldn't even have cable.     EDIT: I understand that commercials want brand awareness as well. My point is that this really doesn't apply to me because 95% of the products I buy(food, clothes, and electronics) currently don't have any commercials on TV, if ever. I'm a frugal shopper and if a commercial resonates with me, it's because it's a great deal and not because it's a brand name.


I'm going out on a limb and calling bullshit.  Here's a fact: Reddit has never turned a profit. And how will it? Unless you put up ads, or allow MANY more sponsored posts (a la Twitter), it's very difficult to see a monetization strategy for this site. Heck, most reddit users are offended at the very suggestion that reddit might be used - **gasp** to make *money.*


"Can you elaborate? What other countries are you talking about?   It's definitely not uncommon for publicly funded ""healthcare"" (unsure why you put this in quotations) to go to corporate revenues / profits. Canada and Switzerland are two examples off the top of my head who use similar systems. Many other countries use a private sector component.   ""The margins are huge"" largely because of government involvement. The bloated Resource-Based Relative Value Scale (RBRVS) standardized payment scheme determines payments for services based on the resource costs estimated by a committee that meets in private (the Relative Value Update Committee).   This impractical archaic value system has been adopted by 80% of private insurers, impairing their ability to drive down and offer more competitive prices."


My understanding is that fentanol should only be prescribed for cancer pain. Any other indication is inappropriate. But that most of the fentanol is illegally mixed in heroin, made in China and contributes to a lot of deaths. That isn't coming from doctors.


"No. That's idiotic. Blockchain is a security technology. It's like asking ""Will quantum computers replace Amazon and eBay?"" The answer is ""No,  you fucking moron, stop throwing buzzwords together like you're a 60 year old step dad trying to impress people."""


Or perhaps you like feeling superior to people and you forget that you should treat people with some basic respect by default. There's no reason to be openly rude to begin with. Yes my statement was overly general, and I later admitted I didn't know about what I was talking about and should have qualified better. But generally I have had good interactions with most people on reddit even when disagreeing with them. I love conversation and learning things and actually have very little problem with being called wrong. It just rubbed me the wrong way how your comment needed to personally belittle me through direct insults to get a point across when I was stating a general opinion. Your words didn't help to illustrate your point or advance the discussion, only to be insulting a rude.   Yes, this is the Internet and I should post on reddit like I have all the other message in the past and not try to fight the rudeness, hostility, and general rude and abrasive behavior of posters by default, but I've seen so much better here day after day. I try to treat people here with the utmost respect even when disagreeing with them. I just thought I would point out how off putting your comment is, and how unnecessary that attitude would have been because I would have admitted the same thing without your insults.   Also, you may not be a douchebag, but your last response uses the same belittling attitude of your other posts in this thread, and all of your claims about me could be made about yourself (with some minor tweaking).  I would rather just have civil conversations on reddit where I consider everybody friends by default, instead of the rest of the Internet where I consider everybody as savages with alanonymity who attack others for pleasure and lulz.


"They trick people into rigged contracts, which requires paying uber even if you quit. So your time spent making money at another job belongs to uber.    What makes it ""sort of"" slavery is the foolishness of entering the contract."


You should check with the Office of Student Affairs (or equivalent) at your University to see if you can accept Credit Cards. Many will only allow you to accept student organization dues paid in cash, check, or money order. Many universities will also provide your organization with basic operating funds, if you request it. Your first point of contact should be your faculty adviser, though. Your best bet would be to just use cash. Learn where the nearest ATMs are. If you are set on using credit cards, set up a PayPal account and just use it to reimburse the person who fronts the money (cover the markup). Everyone will have to have a PayPal account set up, linked to their credit card. You can avoid fees by using a bank account. If you're so inclined, you can set up a Business account and have a PayPal Debit Card, but you'll want to check with your adviser / University by-laws to see if you're allowed. Don't expect any of these to work as website implementations. As you're a University group, you will undoubtedly be meeting in person such that an exchange of cash/check/money order would be trivial In short, you'll need to check into the rules of your University. Credit cards generally carry processing fees, charged to the merchant, which (on its own) carries some tax implications.


I have a low position. Only 300 shares but will probably purchase more when it's in the .2-.3 range. They're pumping this company so it'll meet the NASDAQ requirements so i'm predicting executives will be putting a lot into the pool.  Let's ride, boys.


You can argue that cash dividend is a kind of split as well by this logic. The stock price on ex-dividend gets a hit coincidental with the dividend to be paid, so one can argue that the investor has the same cash value on the day the dividend was paid as if it wouldn't be paid at all. However, for the company to distribute stocks instead of cash may be advantageous if they have low cash reserves but significant amount of treasury stocks, and the stocks are of high liquidity.  It is also a way for the company to release treasury stocks without diluting the current shareholders and creating taxable income to the company, that's an important factor to consider. This is in fact the real answer to your question. The main difference between split and stock dividend is that in split, the stock distributions proportions don't change. With stock dividend - they do. While the outstanding share proportions do not change, total proportions do, because of the treasury stocks being distributed. So company has less stocks in its vaults, but everyone else still has the same proportions of ownership. Compare this to split: company's treasury stocks would be split as well, and it would continue essentially sitting on the same proportion of stocks. That shift of treasury stocks to the outside shareholders - this is what makes it a dividend.


Well, I believe this should be left up to the employer, but I think a  good employer should offer some level of transparency.  Knowing that someone makes more than you, for justifiable reasons, should be an inspiration to get better at your job.  Everyone in the world knows how much athletes make, and it seems to make them compete a little harder because they know there could be a big pay day if they perform well enough. The problem in business seems to be objective standards of ranking employees, a lot of it seems based on politics (depending on the industry).


"As Kurt Vonnegut said, the way to make money is to be there when large amounts of money are changing hands and take a little for yourself; they'll never notice. That's what transaction costs are: when a fund buys or sells stocks a bit of the money goes to the folks who handle the transaction. When you personally buy or sell stocks a bit of the money goes to the broker in the form of a fee. (and, no, no fee brokers don't work for free; they just hide the fee by not getting you the best possible price). So frequent transactions (i.e., higher portfolio turnover) mean that those little bits of money are going to the intermediaries more often. That's what ""higher transaction costs"" refers to -- the costs are higher than in a fund that buys and sells less often. In short, those higher transaction costs are a consequence of higher turnover; nothing nefarious there."


lol you do know our tech is built on importing highly educated immigrants.  homegrown engineering is at an all time low.  go to any corporate campus in the silicon vally, apple, facebook, google, all you see are indians and asians.  with the invention of the internet knowledge has been democratized and american companies are slowly losing the lead in tech.


You are thinking of something similar to [Patreon](www.patreon.com) then but more automated? I don't quite think automation works for this because you might not want to give every site you visit money, even if you visit it often in a short period of time (e.g. while doing research into cults you might not want to give the WBC money).


You have a good point, right now the way people raise money at the micro level is hitting up relatives or shmoozing the boys at the country club.  It would be cool if there were local exchanges, but I guess the reason there isn't right now is the costs to run such a thing would have to be borne by small companies and investors, and it's 'cheaper' to just raise money informally.  But with the internet revolution, seems like that would lower the costs somewhat.


I'm amazed someone down voted you. ITunes is a bastard. I've got a new method for coping with it - if you're looking for a button or an option, look in the opposite place your intuition tells you to look. You won't be where you need to be, but you'll be a whole lot closer.   Alternatively just don't bother.


Because we're still in competition.  Before it was against nature, now it's against ourselves.  The world is not yet some safe paradise and its well within living memory that total war changed billions of lives and almost took away freedom for many.      Take 2 equal economies.  One grows at 1% and another grows at 3%, in 100 years the 2nd will be 7 times more powerful than the other.


Wikipedia has a good summary: Historically, branch banking in the United States - especially interstate branch banking - was viewed unfavorably by regulatory authorities, and this was codified with the enactment of the McFadden Act of 1927, which specifically prohibited interstate banking. Over the next few decades, some banks attempted to circumvent McFadden's provisions by establishing bank holding companies that operated so-called independent banks in multiple states. To address this, The Bank Holding Company Act of 1956 prohibited bank holding companies headquartered in one state from having branches in any other state. Most interstate banking prohibitions were repealed by the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994. Research has also found that anticompetitive state provisions restricted out-of-state growth when those provisions were more restrictive than the provisions set by the Interstate Banking and Branching Efficiency Act or by neighboring states. Some states have also had restrictive bank branch laws; for example, Illinois outlawed branches (other than the main office) until 1967, and did not allow an unlimited number until 1993.


Assume that he reformed his ways. He stopped the destructive behavior (gambling) and had enough money from a job going forward to pay for all his future expenses. Then it is true the old debts will fade away both as being collectable, and as a source of a negative mark on the credit report. Also assume that the people or companies never figure out that the the relative has a steady source of income, also assume that all the debts can be forgiven and have no long lasting impact. If any of those assumptions aren't true the plan won't work. The trail of debts will continue to grow, and may have additional complications. As debts fall off the radar, they may be replaced even faster by new threats. Many a person has used a debt consolidation loan, or a home equity loan to pay off all the credit cards; but found themselves back in trouble because they never fixed the underlying problem: they spend more than they make. In the case of a home equity loan they put their house at rick, as a replacement of unsecured loans. If the gambling continues, the lack of payment of old debts becomes a crutch for the ability to generate new debts.


this article talks about tips you can use to improve your chances of qualifying for a credit card, even if you have poor credit standing. please help us promote it by telling your friends to drop by our site and share the articles posted there to their friends.


The best and reputable A4 size paper manufacturers guarantee clean paper production that does not go waste. This can be put to recycle at whatever time and can likewise be taken care of in the most proper ways. This is so since as of now there is a lot of paper waste everywhere throughout the world and to make new paper, trees must be cut down.


True but it isn't too difficult . Perhaps a classic example would be Sony - 5 years losses , this last year US$1.1B , how long can it last ?! However the trick is not to initially concentrate on the corporates but to concentrate on the small to medium sized companies and to ensure that they are strategically placed engineering wise to step in and take over . Business wise they will be used to adapting quickly .


It was a forex account (foreign exchange trading).  At that time forex brokers were not regulated or required to be regulated so it was like the wild west.  It was indeed a learning experience and thankfully I was diversified so the hit hurt but did not ruin me.


The Swiss franc has appreciated quite a bit recently against the Euro as the European Central Bank (ECB) continues to print money to buy government bonds issues by Greek, Portugal, Spain and now Italy.  Some euro holders have flocked to the Swiss franc in an effort to preserve the savings from the massive Euro money printing.  This has increased the value of the Swiss franc.  In response, the Swiss National Bank (SNB) has tried to intervene multiple times in the currency market to keep the value of the Swiss franc low.  It does this by printing Swiss francs and using the newly printed francs to buy Euros.  The SNB interventions have failed to suppress the Swiss franc and its value has continued to rise.  The SNB has finally said they will print whatever it takes to maintain a desired peg to the Euro.  This had the desired effect of driving down the value of the franc. Which effect will this have long term for the euro zone? It is now clear that all major central bankers are in a currency devaluation war in which they are all trying to outprint each other.  The SNB was the last central bank to join the printing party.  I think this will lead to major inflation in all currencies as we have not seen the end of money printing.  Will this worsen the European financial crisis or is this not an important factor? I'm not sure this will have much affect on the ongoing European crisis since most of the European government debt is in euros. Should this announcement trigger any actions from common European people concerning their wealth? If a European is concerned with preserving their wealth I would think they would begin to start diverting some of their savings into a harder currency.  Europeans have experienced rapidly depreciating currencies more than people on any other continent.  I would think they would be the most experienced at preserving wealth from central bank shenanigans.


If Trump close loopholes for big corporation not paying taxes, while also reducing taxes, it will work.   Any ideas how much taxes Apple paid last year? How much of Apple's money is off-shore?   But your plans are good too! Really. They also do not involve raising taxes.  You have no idea how many people are not audited by the IRS, how big is the under-the-table payments, black market, etc.  Just fix the system.  And when you close loopholes, to save tax money, companies will need to spend more capital and hire people to reduce their taxable profit.


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-05-31/australia-home-prices-fall-in-may-as-lending-curbs-start-to-bite) reduced by 70%. (I'm a bot) ***** > The monthly decline comes after regulators tightened lending curbs amid fears of a housing bubble, and the nation&#039;s banks raised interest rates - especially for interest-only loans which are popular with property investors seeking to take advantage of tax breaks.  > The monthly drop was led by declines of 1.3 percent in Sydney and 1.7 percent in Melbourne, the two cities where prices have risen the fastest.  > In Sydney, prices have gained 75 percent in the past five years, ranking it behind only Hong Kong as the world&#039;s least affordable housing market.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6ele2v/australian_house_prices_fell_in_may_for_the_first/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~133825 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*: **housing**^#1 **percent**^#2 **prices**^#3 **demand**^#4 **property**^#5"


Being a tax professional, my understanding is that the threshold limit is a single limit for all your source(s) of income. Now many people who already draw salary which is liable to tax, develop application for mobile and generate some income. Such income is liable to tax, if along with other income they exceed the threshold limit.  Income will have surely related expenses. And the expenses which are related to earning of the income are allowed to be deducted.


The general rule is: Generally, in order to claim a business deduction for your home, you must use part of your home exclusively and regularly: Exclusively seems to be the toughest standard and I do not know exactly how strict the IRS's interpretation is. Working in your living room where you regularly watch TV and have people over on the weekends would seem to fail that test. A separate room with your computer in it would pass it. If it was your only computer and you regularly played online games with it, that would seem to be a grey area.  The IRA booklet covering this area is here http://www.irs.gov/pub/irs-pdf/p587.pdf I know people that have rented rooms in other places or made use of rental offices for this purpose.


Wouldn't it be in China's best interest to improve labor standards and allow wages to rise so that they can build a proper middle class and develop a consumer economy? If that happens, that would help level the playing field and take away their advantage in cheap labor


In addition to the already good answers you also want to consider your time horizon. Unless you are looking out 10+ years, building your down payment in an account that is invested in the market is probably subject to too much market risk. Are you willing to delay purchasing a home by five years if the market turns down at the wrong time? A better option is to just use a savings accounts. To avoid spending the money, you can open a dedicated account. Separate savings account for a special purpose are s common feature at credit unions and probably are available at many regular banks as well. Then for funding the account, many employers allow you to split direct deposits amongst multiple accounts, so you will just need to provide the routing number and fractional amount of your paycheck for that account.


It's a failed state. The belief that people are going to hunker down in austerity and pay off national debt was always silly.  Sucks for the bond holders, but all these people who bet against sovereign debt defaults have bet wrong.


In the United States taxes on the sale of a principal residence are based on the difference between the sale price and the cost of the home. Assuming you meet the requirements you can shelter 250,000 or 500,000 of gains from the sale of your principal residence.  This calculation is not related to the loan balance. The basic equation is sales price minus purchase price. It get a little more complex because some costs to purchase and sell the home are included in the calculation, or if you made renovations to the house that will increase your costs and decrease your gains. Trying to decrease the loan balance just before selling the house would just be paying yourself that money at the settlement table. It could save you some money on interest between now and settlement but emptying your bank account to save a few bucks doesn't seem worth it. I would also prefer to have the money in the bank to pay for some expenses that will popup getting the house sold, you moving, and the settlement date.


I don’t think you know what is right or wrong.  This is the third time you’ve called me out, and the third time you were mistaken.  The starving man is starvinf because he lacks food.  Give him a million dollars in the middle of Antarctica, and he will still starve.  These false equivalences you have presented above are where so many of our problems come from.  People forget the value of reality over currency.  The Mother’s affection does have monetary value.  It just isn’t so easily quantifiable.  See: Psychiatrists and Psychologists.  They make money off these issues.  The financial value can be seen in the correction of the consequences from lack of affection.  To PAY for affection, trust, loyalty, so many of the “social” properties we rely on, though, negates some or all of their value.  You assume so many rules that just aren’t supported by reality.  Your economic theories seem to fail when faced with the nuances of reality, especially those economics has ignored.  That’s my opinion, anyway.


I would stay away form these.  I have had clients gave real problems when it comes to withdrawing the money...not only do you not have control of the investments themselves, but you also do not have a lot of control when it comes time to withdraw the money.  I have also heard from one client that the fees can be outrageous. There was a securities commission investigation a few years back because a number of salespeople were over-promising. My suggestion would be to find someone independent, with access to a number of different products, who can advise you.


Credit is important for many reasons. Establishing credit is an important step and should be no challenge for someone who already has good habits.  The same lessons and advice that you would find for a student to establish credit would be applicable to your case as well. Factors that influence credit score, Since you are already established in your home country (Australia), you probably have a credit card (and references) that you can provide for the first few challenges (renting a car, renting an apartment). Here are the steps, Your credit score should improve quickly as the first couple of credit cards and the installment loan show good payment history, low utilization, and gain some age. After 1-2 years, you should have a good score.


You'd only be left with €2,000 in the bank, so paying it off completely in a lump sum now would be unwise.  However, dropping, for example, €35,000 onto it is a reasonable option.  That would give you still €42,000 is the bank (an excellent emergency fund), save you a lot of interest, and greatly speed up the repayment schedule. (Changing subjects: how much interest is it earning in the bank.)


"While that argument likely would have held some merit in, say 1998, I don't think it works quite the same in 2012+. A simple answer of ""there weren't any jobs"" can be stated and will be interpreted as the truth."


What? I can literally look at a list of individual salaries (I know they are self reported but nobody has a reason to lie about this) that is broken down on a year-by-year basis. The school literally gives you all of the information. How is it naive to believe its true? I'm sure this is the case at most state schools.


I'm sorry to hear that. I mourn every time an LBS closes its doors. There's no real way to tell if Specialized is to blame, but it certainly wouldn't surprise me.  There is a local bike shop out here on the West Coast called Mike's bikes. They pretty much exclusively sell specialized. They do sell other brands, but only in a very small quantity. I cannot in good conscience give them business. They know who they are in bed with, and I suppose they need to drink their own Kool-Aid.


he general advice I get is that the younger you are the more higher risk investments you should include in your portfolio. I will be frank. This is a rule of thumb given out by many lay people and low-level financial advisors, but not by true experts in finance.  It is little more than an old wive's tale and does not come from solid theory nor empirical work.  Finance theory says the following: the riskiness of your portfolio should (inversely) correspond to your risk aversion.  Period. It says nothing about your age.  Some people become more risk-averse as they get older, but not everyone.  In fact, for many people it probably makes sense to increase the riskiness of their portfolio as they age because the uncertainty about both wealth (social security, the value of your house, the value of your human capital) and costs (how many kids you will have, the rate of inflation, where you will live) go down as you age so your overall level of risk falls over time without a corresponding mechanical increase in risk aversion. In fact, if you start from the assumption that people's aversion is to not having enough money at retirement, you get the result that people should invest in relatively safe securities until the probability of not having enough to cover their minimum needs gets small, then they invest in highly risky securities with any money above this threshold. This latter result sounds reasonable in your case.  At this point it appears unlikely that you will be unable to meet your minimum needs--I'm assuming here that you are able to appreciate the warnings about underfunded pensions in other answers and still feel comfortable.  With any money above and beyond what you consider to be prudent preparation for retirement, you should hold a risky (but still fully diversified) portfolio.  Don't reduce the risk of that portion of your portfolio as you age unless you find your personal risk aversion increasing.


> Good analogy is soft drinks - if Warren Buffet puts money into Coke, that doesn't mean Pepsi is going out of business.  Coke and Pepsi are both very well established and very stable.  Uber and Lyft are relatively new and are about to go through a huge change with automation. If either of them don't automate well and do so soon they will fail. There's not a lot that of innovation required from Coke or Pepsi to stay on the top.


I wouldn't call it a con, but I would say its exponentially harder than just buying gold. You really need to be an expert on the collectability of the coin and all that jazz. I'd leave that market to the people who are collectors of the coins.


> Then at what ratio of debt to gdp   There is nothing particularly special about that ratio. No point where it becomes a problem per se. Try a different version of the *same* question: at what ratio of your savings to your income...  Same concept.  >will we have to pay all our interest bills with monopoly money   For the government, it's *all* monopoly money and always has been. This isn't a bad thing, it's just a description of the system. The government is the monopoly issuer of the currency, spending it into existence and extinguishing it with taxation.  >(assuming that bank reserves from the fed have less intrinsic psychological value than cash circulating in the private sector, and that if we start paying our interest bills with monopoly money it will drive massive speculation against the dollar)  You can only win speculating against an entity that can *run out* of money. That risk doesn't apply to countries spending in their own sovereign, floating rate currency.


> The Japanese experience actually tells us that they could never unwind QE.  ...exactly.  I suspect the Fed thinks that it's somehow different (this time it's different... we're different... The Japanese insist that they're different) and the Fed is probably going to tear its anus trying to shit 5 trillion out of its book.  The real question is:  how long.  Time and pressure.  It either makes diamonds or earthquakes and tsunamis.


"You do realize that ""analyst"" is just a corporate title for the lowest on the ladder (aside from consultants) in corporate structure?  Your statement is true only for Sales Analysts vs Research Analysts.  However, entry level traders (capital markets analysts) compensation is quite a bit greater than Sales Analysts and still requires pretty thorough market analysis.  Just about anyone in the industry can be a decent sales analyst as that role really only entails relationship management and basic communication skils.  Most of the boys over on the sales desk are either pursuing a more relationship management oriented path or want a foot in the door to get to trading."


Our aim is to build high quality and strong structural buildings that provide a long term solution to our customers. With years of experience and highly competent team, we ensure a quality service catering to your every need. We can accommodate any requirement and budget without compromising in the quality of the product or service.


Why not just leave it as is and register as foreign entity in New Mexico? You won't avoid the gross receipts tax, but other than that - everything stays as is. Unless Illinois has some taxes that you would otherwise not pay - just leave it there.


I know people who work in the gulf and most contracts are of the 14 days on/ 14 days (or so) off flavor. I've never heard of someone being onboard a ship or platform for a year. I bet this is a scam.


"To speak to this a little more broadly: apart from groups like hedge funds and other investors investing for purely speculative purposes, one of the major purposes of forwards (and, for that matter, futures) for companies in the ""real economy"" is to ""lock in"" a particular price in advance (or to reduce the risk of some kind of investment or transaction). Investopedia defines a currency forward as follows (with a few key points emphasized): [A currency forward is] a binding contract in the foreign exchange market that locks in the exchange rate for the purchase or sale of a currency on a future date. A currency forward is essentially a hedging tool that does not involve any upfront payment. The other major benefit of a currency forward is that it can be tailored to a particular amount and delivery period, unlike standardized currency futures. This can be a major advantage for planning and risk management purposes. For example, if I know I'm going to have to pay $1 million USD in the future and most of my revenue is in Euros, the actual amount I'll have to pay will vary based on the exchange rate between Euros and dollars. Thus, it's very worthwhile for me to be able to ""lock in"" a particular exchange rate so that I know exactly how much I'm going to pay relative to my projected revenue. The goal isn't necessarily to make money off the transaction (maybe they do, maybe they don't) as much as to reduce risk and improve planning ability. The fact that it doesn't involve an up-front payment is also a major advantage. It's usually a bad practice to ""sit on"" cash for a year if you can avoid it. Another key point: savings accounts pay less interest than inflation. If inflation is 3% and your savings account pays 1%, that looks remarkably like a guaranteed 2% loss to me."


It's all really personal preference and dependent on how your lifestyle/hobbies are. I have a friend who majored in Marketing and is now making 80k/yr out of college as he is also into web design.  However, in my opinion, Finance would be the most exhilarating and Accounting would be the most stable.


When you look at principles, whether you're a 'true' socialist, a watered-down SocialistLite or somwhere in between, the ideas are still anti-human.  We can agree that he state of affairs between the US, in the throes of it's Socialist makeover and the Soviet Union, in the Communist heyday are wildly different in terms of results. To draw a comparison of the results would be a lot like comparing apples and deer, and not achieve very much. Let's look at the principles involved instead.  Whether you call it Socialism, Communism, Post-Marxism or any other name, the core principle is the same: Man must look after his neighbour, but cannot be trusted to do so automatically. The state's role is to enforce this duty by using the gun and ensuring wealth is distributed according to doctrine, dogma and/or whim.  No matter what that system calls itself or to what extent it actually materialises, the core principle is one of destruction, not creation. The state has no interest or agenda beyond using their gun to take from you in order to give to another.  On the contrary, let's look at the principles that a true laissez-faire system would operate on. (I say 'would' because a truly free, laissez-faire system has never existed. The US came excruciatingly close, but ran before it was fully realised.)  You have the right to your own life, liberty and pursuit of happiness. These form your individual rights. The role of the state is to use the gun, to ensure your individual rights are upheld.  That's it. Notice how redistribution of wealth or any obligation to your brother is not mentioned. If you and your brothers wish to adopt those principles for yourself, please feel free. But the state will not use the gun to enforce your agenda against those who do not voluntarily agree with it.


I like Applebees and IHOP, but I don't go often anymore because I find I can make the same food much cheaper at home. The pressure to cut costs also stem from lack of increase in pay year after year. Even though the news crows about unemployment decreasing, I don't get the sense that pay is necessarily increasing significantly.


"On BlackRock's XIN page under Key Facts it says the number of holdings as 1. Looking at the top 10 holdings shows EFA as the number 1 holding with a 101% weighting. XIN is ""iShares MSCI EAFE Index ETF (CAD-Hedged)"", so it takes the underlying component and hedges it to CAD.  The underlying component is an ETF itself, EFA, so they only need to hold that one component (since that is the MSCI EAFE Index ETF). How is it possible to hold over 100%? Take a look at the full list of holdings.  While EFA is the only underlying security (e.g. ETF, Stock, Bond, et.c), the remaining holdings (looks to be 133 remaining holdings) are cash positions.  Some of those positions are negative for hedge purposes.  Because of this, the total value of the portfolio is less than the position of EFA itself (since total value is EFA plus a bunch of negative entries); because the total value is less than EFA itself, EFA has a > 100% weighting."


I mean it hasn't really worked anywhere. You don't create wealth with socialism. Incentives are gone for any sort value creation.  You're already looking backwards at 'peak civilization' once you've gone down the socialism path. Everything ahead is fighting over what's left.  >An economics professor at Texas Tech said he had never failed a single student before but had, once, failed an entire class. The class had insisted that socialism worked and that no one would be poor and no one would be rich, a great equalizer. The professor then said ok, we will have an experiment in this class on socialism. All grades would be averaged and everyone would receive the same grade so no one would fail and no one would receive an A.   >After the first test the grades were averaged and everyone got a B. The students who studied hard were upset and the students who studied little were happy. But, as the second test rolled around, the students who studied little had studied even less and the ones who studied hard decided they wanted a free ride too; so they studied little ...   >The second Test average was a D! No one was happy. When the 3rd test rolled around the average was an F. The scores never increased as bickering, blame, name calling all resulted in hard feelings and no one would study for anyone else. All failed to their great surprise and the professor told them that socialism would ultimately fail because the harder to succeed the greater the reward but when a government takes all the reward away; no one will try or succeed.


Essentially, yes.  The parent company aggregates the business of all its subsidiaries; so there's ArcelorMittal Brazil, ArcelorMittal USA, ArcelorMittal Spain, etc.  So all of their companies put together turned a profit, but the one you work for in particular  (ArcelorMittal USA) wasn't profitable this quarter.


The higher the debt, the higher inflation needs to be to wash the debt away.  This is why the debt and US equities move upward hand in hand. The same goes for US housing. Just as homeowners borrow money through mortgages so that house prices rise, the banks borrow the money for mortgages through the central banks. Thus, the cycle circulates. The more debt, the higher the prices!  Everybody makes money from debt. That is why the US has the highest external debt on the globe, yet they are considered one of the wealthiest countries in the world.


Aldi and Lidl have grown in the UK at an alarming rate to the point where they've been able to take significant market share away from the supermarket oligopoly that previously existed.  I wonder if they can pull the same miracle in the US market.


In a world where everything seems like an advertisement, it's harder and harder for us to trust anything we're told anymore.  Why do you think Fake News is a big topic? Why do you think people are starting to entertain rediculous flat earth theories? When everything is narrative, everything is spin, it's no wonder young consumers are leery of advertisements.


Thank God for this. I'm getting a cold sweat just reading some of these replies. Especially since you end up with about a million things to consider, frequently contradictory, until there's so little of yourself left it's a little pointless turning up and you can't think straight for analysing in advance and the interviewers sound like brutal robots willing cracks in your facade.


**Economic and Monetary Union of the European Union: Monetary policy inflexibility**  Since membership of the eurozone establishes a single monetary policy for the respective states, they can no longer use an isolated monetary policy, e. g. to increase their competitiveness at the cost of other eurozone members by printing money and devalue, or to print money to finance excessive government deficits or pay interest on unsustainable high government debt levels. As a consequence, if member states do not manage their economy in a way that they can show a fiscal discipline (as they were obliged by the Maastricht treaty), they will sooner or later risk a sovereign debt crisis in their country without the possibility to print money as an easy way out.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/economy/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index)   ^] ^Downvote ^to ^remove ^| ^v0.23


The only thing dawning on me is that you claim to think critically and then literally minutes later do EXACTLY the thing I've been saying you do.   You're putting all of terrorism on an entire group of people, and even worse, you're putting it on a group of people that statistics show ARE NOT the threat to worry about.   But by all means, keep thinking critically about Fox News and all of the websites that you frequent. It's going great for you so far.


Manual setup of the Belkin router is somewhat difficult. You may require some knowledge or some help from the one who has some knowledge of the Belkin setup. To help you while the setup, we have a team of technicians. Solve your query by sending it to us.


The reason the loan amount is showing is because it is a default - the fact that you live in a non-recourse state doesn't change the fact that a loan obligation that had your name on it was defaulted upon. I don't think there is much you can do now given that your name was still on the mortgages.


> But their strategy is not debt spending to increase demand.  They deficit spend.  They increase prosperity and thus demand.  They do it consistently and repeatedly.  Claims that it's effects are unintentional don't hold up. Starve the beast is political cover.  What they are doing is pushing profits up for the rich by cutting their taxes.  Why has as many answers as there are politicians pursuing these policies, but the deficit spending is fairly obviously designed to make the economy appear to be doing better.  The interesting side effect is, that they *are* making the economy do better.   > Deficit spending does drive demand short term. But as this debt rises so does the rent seeking cost of that debt.  This is not where rent seeking occurs. The net cost of national debt is negative.   > Most such debt spending is a complete waste.  Only if you don't understand that people having money is a prerequisite for people spending money.   > Your tax rate is not determined by how much money the government takes from you.  The government gives you more income than it takes from you in taxes.  Every bit of cut spending removes income from the population.  Since we all work for each other and one person's income becomes another's relatively quickly, it's an appropriate approximation to average that income out over the population and when you do that you quickly see that government taxes and spending have a net positive effect on how much money we have.  This is why we can dump so much into defense spending and still have a viable economy and why removing that spending would do more harm than good.    Our economic trouble has nothing to do with efficiency and how much work needs to be done, and everything to do with how much money people have to spend.  Government taking on more debt thus creating more money and handing it to it's population makes that problem better and thus the economy gains strength.  Fixing the core problem that is causing the population to run out of money is a harder task, but piling on the debt in the meantime alleviates the symptoms.


Is it time for you to go ahead and get a new paint job? If you have noticed chipping or fading on your home or business, it may be time for you to call in the best painters in Vancouver. We can help you to get everything in order and get your home or business building painted and looking great like it should be. http://barwickpainting.com/


"That's pretty typical for stores closing.  Remember that once the stores are conducting their closing sales, it's no longer the company that's in charge.  It may say ""Sears"" on the sign, but it's actually an outside liquidation company that's operating the store.  The liquidator is the one pricing the sales and applying the discounts.  Their job is to get rid of everything and get as much money for it as they can.  Liquidators will also sometimes bring in outside merchandise to closing stores in order to capitalize on the excitement of the going-out-of-business sales.  [This news report](https://www.youtube.com/watch?v=fMiBVlXctM8) shows a case where an outside liquidator brought in some oriental rugs to sell at a Linens N Things that was going out of business.  Linens N Things never sold oriental rugs when it was a going concern, but the liquidator brought them in, complete with a sign saying what the price ""was"" and what the sale price is.  Once you realize that a closing Sears store isn't actually Sears anymore, it all starts to fall into place."


"Certainly no one knows in advance how much a stock is going to swing around. However, there are measures of how much it has swung around in the past, and there are people who will estimate the probability. First of all, there's a measure of an individual stock's volatility, commonly referred to as ""beta"". A stock with a beta of 1 tends to rise and fall about as much as the market at large. A stock with a beta of 2, in the meantime, would rise 10% when the market is up 5%. These are, of course, historical averages. See Wikipedia: http://en.wikipedia.org/wiki/Beta_(finance) Secondly, you can get an implied measure of volatility expectations by looking at options pricing. If a stock is particularly volatile, the chance of a big price move will be baked into the price of the stock options. (Note also that other things affect options pricing, such as the time value of money.) For an options-based measure of the volatility of the whole market, see the Volatility Index aka the ""Fear Gauge"", VIX.  Wikipedia: http://en.wikipedia.org/wiki/VIX Chart: http://finance.yahoo.com/q?s=%5EVIX Looking at individual stocks as a group (and there's an oxymoron for you), individual stocks are definitely much more likely to have big moves than the market. Besides Netflix, consider the BP oil spill, or the Tokyo Electric Power Company's Fukushima incident (yow!). I don't have any detailed statistics on quantitatively how much, mind you, but in application, a standard piece of advice says not to put more than 5% of your portfolio in a single company's stock. Diversification protects you. (Alternatively, if you're trying to play Mr. Sophisticated Stock-Picker instead of just buying an index fund, you can also buy insurance through stock options: hedging your bets. Naturally, this will eat up part of your returns if your pick was a good one)."


It's all about the question's wording. Here they are saying interest is 1.25% *per month* - not per year. This is why in your earlier post, I encouraged you to internalize what P/Y and C/Y mean in the solver. It's best to think of things in terms of *per period of time*. I hope this helps, but more practice certainly will.


"Actually, calculating taxes isn't that difficult.  You will pay a percentage of your gross sales to state and local sales tax, and as a single-owner LLC your profits (after sales taxes) should pass through to your individual tax tax return (according to this IRS article. They are not cumulative since they have different bases (gross sales versus net profit). That said, when determining if your future business is profitable, you need to ask ""what aspects of the business can I control""? Can you control how much each item sells for? Increasing your prices will increase your gross margins, which should be higher than your fixed and variable costs.  If your margins do not exceed your costs, then you will note be profitable. Note that as a vendor you are at a slight disadvantage to a retailer, since tax has to be baked in to your prices.  A retailer can advertise the pre-tax price, and pass-through sales tax at the point of sale.  However, people expect to pay more at a vending machine, so the disadvantage is very small (you aren't directly competing with retailers anyways)."


I have 8 years of 30%+ annual returns, I think i'll trust my judgment on this one. Bought amazon at 272, tesla at 130, etc. Snap is a weak investment long term. They will be one of the first companies (along with twitter) to really lose almost everything once the tides start to change.


I don't disagree with you, but just as a broad generalization, I think increasing social spending does more good than increasing military spending *at this point*. It'd be different if there were several other countries that had the same military prowess, but if you already have a significant lead, I feel like you should address the other weaknesses.


"I totally agree with you that kids and students need social interaction, working together, guidance, mentors, etc.  I definitely want my son to have a human teacher.  However, unfortunately, teaching is provided by the government mostly, they pay terrible salaries for teachers and the government would like to cut costs.   So my guess is that there will be a push for less teachers, or ""on-line"" teacher conference-call, and other crap, but they will definitely teach for technology to replace teachers.  Forget about teachers: doctors will be replaced even more quickly with ""technology""."


"If you elect to have the company treated as an S corp, the profits/losses of the company will pass through to the shareholders (i.e. you) on a Schedule K-1 form every year. These amounts on the Schedule K-1 are taxable whether or not the company actually distributed the money to you. Typically, the company will distribute profits to the shareholders because they will have to pay taxes on this amount. https://turbotax.intuit.com/tax-tools/tax-tips/Small-Business-Taxes/What-is-a-Schedule-K-1-Tax-Form-/INF19204.html So the money held in the company's bank accounts won't appear on your taxes per se, but the profits/losses as reported on the company's tax return will pass through to you on the Schedule K-1. Typically these amounts are taxed as income. Your tax accountant can advise you on how much money you can/should take through regular payroll and how much can be distributed as a shareholder, as well as help you prepare the corporate tax returns and schedule(s) K-1 every year. There are tax advantages to taking money out of the company through distributions instead of payroll, but the amounts can be scrutinized and subject to a criterion of ""reasonable compensation"", hence my recommendation for a tax accountant."


"First, contact your credit card company and explain the problem to them, to ensure that they never pay any money to this company. Second, research the US postal code.  Somewhere it says that if you receive unsolicited goods in the mail, they are a gift to you.  Then it becomes a question of whether you went far enough in the subscription process to commit to the subscription. Third, reread the fine print on the web page.  ""By clicking submit, you agree to deliver us your firstborn and a herd(?) of baby goats."" Finally, armed with information from the previous steps, call (maybe better to do it in writing by sending a letter to) the company selling the magazines to let them know their mistake.  That the transaction was never completed and that the failure of the transaction led you to believe that the subscription was never agreed upon.  And that you never received a confirmation.  Let them know that you do not wish to continue receiving the magazine.  If you're on the hook, having clicked submit, then find out about their cancellation policy.  Hopefully there's a cancel any time policy.  If so, pay for the first couple of issues, then write it off as a relatively inexpensive lesson on subscriptions, fine print, and reading and keeping copies of contracts. 50 bucks an issue for a monthly magazine sounds expensive.  Is it a trade magazine?"


I'm on the other side! I was recently (just today) extended an informal offer from a team that's seeing some pretty big growth recently. I'm 6 months into my entry/mid level management position and I've been thinking about working in client-facing roles. The earning potential is greater, and I'm attracted by the prospect of being your own boss/reporting to your team instead of where I'm currently at, a cog in a giant corporate hierarchy. It's nice as I get to cruise sometimes when things are quiet, and I won't feel stuck in a neverending loop of prospecting and closing. Right now, I'm just a messenger - I figure a research position would be much the same.


Two kinds of lending going on. The first occurs when the Federal Reserve purchases government securities.  This creates reserves at the Federal Reserve in another bank. The second kind of lending comes when this bank lends out the money.  This is the multiplier effect. The reason for the excess reserves now is that banks are gun-shy and afraid to lend.  Their money is safer at the Fed than with commercial and personal borrowers.  When this changes (either by a recovery, or by the Fed penalizing banks for excess reserves, which it can do but hasn't) then we'll see inflation, and a consequential rise in prices.


If you have the cash on hand to pay the tax on the amount you are transferring I recommend moving to a Roth IRA An IRA is tax-deferred. You put in pretax contributions in to an IRA, and you are taxed on that money (your contributions and interest earned) when you withdraw it at retirement, age 59 1/2.  The idea being that you will be taking less out per year in your retirement years, putting you into a lower tax bracket. The major problem is most people draw out as much or more a year in their retirement years than when they were working. A Roth IRA grows tax free You put after tax contributions into a Roth IRA, you have paid taxes on the contributions, and you are never taxed on the growth. When you draw the money out at retirement you don't pay any income taxes on that money. Let me give you an example: For this example we will use the following information for both scenario: We will invest $400 per month for a total of $4800. The current maximum is $5000 if you are under 50 years old $400 dollars after taxes is $300 Invest $300 a month, at age 65 you have 3,529,432 You owe no taxes on this money, it doesn't matter how much you take out a year. $400 dollars a month is taken pretax out of your paycheck. Invest $400 per month, at age 65 you have $4,705,909 You owe taxes of 25% as you draw that out for at total tax of 1,176,477 4,705,909 - 1,176,477 = 3,529,432 cash in your pocket The problem is if you draw out more than $82,400 (current 2010 filing single) per year you will be pushed to a higher tax bracket and take more of your money away. If you decide to buy a vacation home and you take out $250,000 to pay for it, that's counted as income for that year any you will be in the 33% tax bracket. Even if you can keep yourself to a low income the government forces your hand and makes you draw out more money at age 70, based on their tables, forcing you into a higher tax bracket


Until you find a job, I would recommend doing nothing more than a bank checking account or a checking and savings account.  Some alternatives, such as savings bonds, would be okay if you were perfectly sure you did not need the money in the next six months.  Consider working for a place such as McDonald's in the meantime. Once you have stable employment, there are two paths you could take.  The first is a bond fund.  It would provide fair market returns for the time between now and the collection of social security.  The second would be a traditional annuity.  You have to be careful with them.  If it sounds much better than what others are offering, it is probably a scam.  Your interest in an annuity is that it will pay you money for as long as you live.  If you live to be 105 you will still be getting payments.  A bond fund would have run out of money long ago by that time. The biggest thing for you right now is getting to when Medicare takes over from private health.  Looking for any job is important right now to preserve cash. Although I do not normally recommend annuities, I do with smaller amounts of cash.  It is unlikely you will ever recover this sum again and the time remaining to save is very short.  The greatest challenge with an annuity is regret.  You can't get the money back once you have turned it into an income stream.  On the other hand, it will last as long as you live. The only important caveat is that if you are in poor health, then the bond fund would be better for you because you may not live to be very old.


OS/2 has had VERY few security concerns, though.  It's extremely stable and very well behaved if the person who configured it knew what he was doing.  The way the OS manages tasks is also very good for preventing data leakage exploits like buffer overruns, code on stack, memory re/deallocation attacks, etc.


You and fourstates seems to be talking about different things and I don't honestly know which the article is talking about.  Farming out an engine isn't the same as farming out the bracket that holds a wiring harness in the wing.  One thing is farming out a major system while the other is farming out a specific part.


I am not surprised that things are changing in the economy there! I'd hate to be a small business owner in Renton who has employees they are trying to keep.  The problem I have is that there are two views:  1. Wages on a supply/demand curve is the only analysis that needs to be done. This is the one that supports Republican talking points. High wages hurt people! That's it.   2. Or, we can consider everything else that can give. People commuting from out of the area, businesses re-inventing themselves to be more efficient to hold profits, less skilled workers moving to lower cost of living areas like Renton to find work. There are a lot of things that can move in this system, just as you point out. It's a gravity well, it's a change in the nature of the economic space.  In the end of the day, we have simple measures (employment rate) that is saying that the effects are being absorbed elsewhere in the system. This study, which does a complex model, using those other places that are affected in the opposite manner by the change? Do you really trust it, when the tried and true tool is saying differently?


Since you've already maxed out your 401k and your IRA, if you wanted to invest more-- then it would either be in a brokerage account or a 529 (if you have kids/ intend on going back to school). As to investing versus paying off your loans -- the interest on them are small enough that it will depend on your preference.  If you need the cash flow for investment purposes (ie if you are going to buy an investment property) then I would pay off the car loan first -- otherwise I would invest the money.   Since you've already expressed that you wouldn't be too interested in paying the mortgage off early, I've left that off the table (I would prioritize car loan over mortgage for the cash flow reason)  If you do open a brokerage account -- make sure you are minimizing your taxes by putting the 'right' type of assets in a tax advantaged account.


After driving through Texas last year, I really can't overstate just how many wind turbines there are, and how windy it is. I stopped at a little rest stop right in the middle of the state - in the middle of the day - and I was nearly blown over getting out of the car. And the number of turbines... Just amazing. Miles and miles and miles. It really looked like an endless landscape of turbines.


I can't address the psychology of trust involved in your question, but here are some common sense guidelines for dealing with your issue. Make sure you know who you are talking to.  Call the company you need to speak to via a publicly available phone number. An email or something you got in a letter might be from a different source.  If you use a website, you should be sure you are on the correct website. Keep careful records.  Make good notes of each phone call and keep all emails and letters forever. Note the time, name and/or ID of the person you spoke to and numbers called in addition to keeping notes on what actions should be done.  Keep your faxing transmission receipts and shipping tracking numbers too. If you are nervous, ask them why they want the info.  The fraud department should be able to explain it to you.  For example, they probably want your social because that is how your credit report is identified.  If they are going to fix a credit report, they will need a social.  It is doubtful they would have a good explanation why they need your mother's maiden name. Ask for secure transmission, or confirm they have it.  Postal mail isn't so secure, but I'll go out on a limb and say most fax machines today are not really fax machines, but software that deals in PDFs.  At some point you will have to realize you will have to transmit something.  No method is perfect, but you can limit your exposure. Help them do their jobs.  If you are (understandably) nervous, consider their motivations: corporate profit.  BUT that could very well mean not running afoul of the law and (with any luck) treating customers the best way they know to earn business.  If you stymy the fraud department, how can they help you? If the ID theft was serious enough, document your issue for future law enforcement so you getting pulled over for speeding doesn't result in you going to jail for whatever crime the other person did.  Perhaps the fraud department you are dealing with can assist there. Finally, while you work with fraud departments to clear up your name and account, work on the other end to limit future damage.  Freeze your credit.  See if you bank or credit card have monitoring.  Use CreditKarma.com or a similar if you cannot find a free service.  (Please don't ever pay for credit monitoring.)


"You are literally claiming ammonia isn't bad for people. That's a claim. If you want to provide proof, then that's fine, but don't claim something without providing evidence.  And ""they have been doing it for years, so it must be okay"" isn't good enough.   Also, I think it's banned in Europe and Canada, so why don't they think's it's safe?"