"Why would people sell below the current price, and not within the range of the bid/ask? There are many scenarios where this is deliberate but all of them boil down to the fact that the top level's bid doesn't support the quantity you're trying to sell (or is otherwise bogus[1]). One scenario as an example: You're day-trading both sides but at the end of the day you accumulated a rather substantial long position in a stock.  You don't want to (or aren't allowed to[2]) be exposed overnight, however.  What do you do? You place an order that is highly likely to go through altogether.  There's several ways to achieve that but a very simple one is to look at the minimum bid level for which the bid side is willing to take all of your shares, then place a limit order for the total quantity at that price.  If your position doesn't fit into the top level bid that price will well be lower than the ""current"" bid. Footnotes: [1] Keyword: quote stuffing [2] Keyword: overnight margin (aka positional margin, as opposed to intraday margin), this is highly broker dependent, exchanges don't usually distinguish between intraday and overnight margins, instead they use the collective term maintenance margin"


(a) you give away your money - gift tax The person who receives the gift doesn't owe any tax.  If you give it out in small amounts, there will be no gift tax. It could have tax and Estate issues for you depending on the size of the gift, the timing, and how much you give away in total.  Of course if you give it away to a charity you could deduct the gift. (b) you loan someone some money - tax free?? It there is a loan, and and you collect interest; you will have to declare that interest as income. The IRS will expect that you charge a reasonable rate, otherwise the interest could be considered a gift. Not sure what a reasonable rate is with savings account earning 0.1% per year. (c) you pay back the debt you owe - tax free ?? tax deductible ?? The borrower can't deduct the interest they pay, unless it is a mortgage on the main home, or a business loan. I will admit that there may be a few other narrow categories of loans that would make it deductible for the borrower. If the loan/gift is for the down payment on a house, the lender for the rest of the mortgage will want to make sure that the gift/loan nature is correctly documented. The need to fully understand the obligations of the homeowner. If it is a loan between family members the IRS may want to see the paperwork surrounding a loan, to make sure it isn't really a gift. They don't look kindly on loans that are never paid back and no interest collected.


Even assuming hypothetically that you are able to split money in different bank accounts to get full coverage and all your accounts are in top ranking financial institutions in USA, you can not rely on FDIC if all or most of those banks go broke. Because FDIC just has a meagre 25 billion dollars to cover all bank accounts in the USA. And you know the amount of bank deposits in USA run in at least a trillion of dollars. US Deposits & FDIC Insurance figures


"Thats because min wage jobs are for high-school kids, not grown adults with kids. Min. Wage hurts the poor because : 1. It increases the barrier to entry for low skill jobs and 2. Incentivizes automation increasing unemployment and 3. Incentivizes price increases for the ""big evil corporations"" to protect their profit margins and make their shareholders happy.  If you want to destory the economy, you might as well go all out an just make min wage $1000 dollars an hour."


Yes, if they meet the ATO's criteria. Books, periodicals and digital information If the item cost less than $300 you can claim an immediate deduction where it satisfies all of the following requirements: http://www.ato.gov.au/Individuals/Income-and-deductions/Deductions-you-can-claim/Other-deductions/Books,-periodicals-and-digital-information/ Alternatively They may be a self-education expense http://www.ato.gov.au/Individuals/Income-and-deductions/Deductions-you-can-claim/Self-education-expenses/ A Further Alternative  They could fall into the tool, equipment or other asset category if they are for a professional library (this can include a home office). http://www.ato.gov.au/Individuals/Income-and-deductions/Deductions-you-can-claim/Tools,-equipment-and-other-assets/ I understand this is an old question although given the dead link in the above answer and the new resources this answer might prove helpful for others coming across this question.


"It's a statement that seems to be true about our tendency to believe we won't make the same mistake twice, even though we do, and that somehow what's occurring in the present is completely different, even when the underlying fundamentals of the situation may be nearly identical.  It's a form of self-delusion and, sometimes, mass-delusion, and it has been a major contributing factor to many of our worst financial disasters. If you look at every housing bubble, for instance, we examine the aftermath, put new regulations and procedures into place, theoretically to prevent it from happening again, and then move forward.  When the cycle starts to repeat itself, we ignore the signals, telling ourselves, ""oh, that can't happen again -- this time it's different."" When investors begin to ignore the warning signs because they think the current situation is somehow totally different and therefore there will be a different outcome than the last disaster, that's when things actually do go bad. The 2008 housing crisis was caused by the same essential forces that brought about similar (albeit smaller scale) housing disasters in the 80's and 90's -- greed caused banks and other participants in the housing sector to make loans they knew were no good (an oversimplification to be sure, but apt nonetheless), and eventually the roof caved in on the market.  In 2008, the essential dynamics were the same, but everyone had convinced themselves that the markets were more sophisticated and could never allow things like that to happen again.  So, everyone told themselves this was different, and they dove into the markets headlong, ignoring all of the warning signs along the way that clearly told the story of what was coming had anyone bothered to notice."


I think credit unions and microfinance are a much more viable lending model - the problem with direct person to person lending is that it is subject to a high level of idiosyncratic risk.  Direct P2P lending makes sense if you know the borrower well personally, but on an institutional level diversifying risk over a large number of borrowers makes a world of sense.


You may be able to find the answers to your question on the IRS web site: http://www.irs.gov/businesses/small/article/0,,id=98263,00.html Specifically, using this form to estimate taxes for salary: http://www.irs.gov/pub/irs-pdf/f1120w.pdf and this form to estimate taxes for dividends: http://www.irs.gov/pub/irs-pdf/f1040es.pdf


Store cards are incredibly generous with their approvals. I recently graduated and started working making around 100k and Bank of America only approved me for a $1000 credit limit... Macys however approved me for $2000 for everyday purchases and $5000 for large-ticket items like furniture sets. It may not sound so glamorous to have a specific store card but they all allow you to build credit, and a credit card really doesn't let you do anything a debit card can't unless you're buying things you don't currently have the money for. Amazon is also issuing credit cards now, so with one of those there really isn't much you couldn't buy if you needed.


I'd say yes! I wish I had a more quantitative background.  Especially if you go to a target school, it's a good move. Goldman now employs 100% more STEM majors than finance majors. Just went to an info session a few months ago.


Behind paywall, so copy/paste of article below:  > Brexit will push up costs for banks by as much as 4 per cent and their capital requirements will rise up to 30 per cent, according to the most detailed assessment yet of what Britain’s departure from the EU means for the sector.  > The findings by consultants Oliver Wyman will make grim reading for its bank clients, many of which are struggling with low profitability. They come a day after HSBC became the first lender to put a price tag on Brexit, saying the immediate disruption would cost it $200m-$300m.  > Stuart Gulliver, chief executive of HSBC, said $1bn of revenue in its global banking and markets unit would be put “at risk” by Brexit. But he said it planned protect this revenue by moving up to 1,000 of its 6,000 UK investment banking jobs to France.  > The pace of announcements about banks’ Brexit plans has picked up in recent weeks, partly because of pressure from the Bank of England for them to submit their plans for coping with the “worst-case scenario” of a hard Brexit, severing access to EU clients. The UK is set to leave the EU in March 2019.  > Such plans are expected to cause duplication of resources and capital for large banks in Europe, Oliver Wyman warned. It said this may cause some banks to abandon some European activities altogether and shift resources to the US and Asia.  > “At the moment what everyone is doing is planning to be able to continue doing what they already do after a hard Brexit,” said Matthew Austen, head of European corporate and institutional banking at Oliver Wyman.  > “Once you have done that, if you have a strong performance in the US or Asia, then that is when you start to look at the post-Brexit foundations and it will prompt you to look at what the right business mix is,” he said.  > The consultancy, which has access to detailed figures on almost every bank from the benchmarking work it does for the sector, estimated that 2 percentage points would be knocked off wholesale banks’ return on equity in Europe because of the disruption.  > Wholesale banks — which serve corporate and institutional clients — would need to find $30bn-$50bn extra capital to support their new European operations, an increase of 15 to 30 per cent, it estimated. The industry’s annual costs would rise by $1bn, or 2 to 4 per cent.  > “Any time you split a portfolio up — whether it be a credit portfolio or a trading book portfolio — you lose the benefits of diversification that allow you to reduce the capital you hold against it,” said Mr Austen.  > Many banks have decided they cannot afford to wait for the political uncertainty over the outcome of Brexit negotiations to clear before implementing their plans and have started finding office space and applying for licences with regulators.  > “Once everyone is back from this summer holidays, the annual planning process will really start in earnest and at that point people will start planning for next year’s costs and returns,” said Mr Austen.  > “As you move into the back end of this year and the start of next year you have to start making those decisions. You would want to have moved people by next summer if they are going to get their kids into school in September.”  > The consultancy stuck to the forecast it made last year that Brexit would drive 31,000-35,000 financial services jobs out of the UK, of which 12,000-17,000 would be in banking. In a worst-case scenario, in which euro clearing is shifted to the eurozone, banks could shift as many as 40,000 jobs out of the UK.


Buy online high performance medical devices from the largest manufacturer company YILES in China. It is a very trustful company, here you can trust on every deal. We have a large stock of the feeding tube and different design in every medical gadget. Basically, these devices are very useful during the treatment of a patient, if you are running a hospital, then it's a pleasure for you, now you can buy online made of high quality material devices these all available at the lowest price.


One can't, this is a systemic problem and when One bank goes pop, it drags a couple down with it. While swaps should have worked to keep the system safe at one time, when money was real, they now act as anchors that drag the entire chain down because the volume of funny money debt is so great its just not ever getting paid back. Best bet is to burn the Fed down


It appears so. I suppose you could try saying that you don't want to pay for it and won't have Internet installed, but that could be detrimental to your career. There is no law that says your company has to pay for your Internet unless you have some kind of contract with them that says you will. If anything, your best option might be to try to claim it is a business expense and deduct it on your taxes.


3000 people on the waiting list won't convert to 3000 signups. But the fact is, we're solving a problem, we hit a nerve, and people love what we have to say about it. So much so that we have famous bootstrapped product companies come calling, and 37signals' designer tweeted about our app.


For instance and to give a comparison to the US - in Austria, almost everybody gets a credit card (without a credit history (e.g. a young person) / with a bad credit history & with a good credit history).  The credit history is in the USA much more important than in Austria. In future, the way to assess a credit history will change due to analysis of social networks for instance. This can be considered in addition to traditional scoring procedures. Is your credit history/score like a criminal record? Nope. I mean is it always with you?  Not really cause a criminal record will be retained on a central storage (to state it abstract) and a credit history can be calculated by private companies. Also, are there other ways to get credit cards besides with a bank? That depends on the country. In Austria, yes.


If you're interested in slower scale changes, one option is to use indexes that value a common commodity in different currencies such as the Big Mac Index.  If a Big Mac costs more in AUD but stays the same in USD, then AUD have gone up.


I love the bold accusatory *YOU*!   This is extremely A - B here. Everything you've just stated is ENTIRELY your own opinion, which is so over generalized & filled with conjecture that I won't even address it further.   If you're unable to see past your own assumptions & listen to opposing view points, many of which are completely valid - you are a part of the problem. Thinking the way you do where (I'm right & everyone else is CLEARLY wrong & a bigot or whatever) is not productive, helpful or even close to an attempt at teamwork. Please think about that.


How many are PDF's? Is it enough that you must have an OCR tool? Word and HTML should be trivial to search through. You could get an IT guy or software engineer to sift through it using [catdoc](http://linux.die.net/man/1/catdoc) to convert the Word files to plain text and use [grep](http://en.wikipedia.org/wiki/Grep) to search for keywords. You could do it yourself if you're familiar with using linux command-line.


I guess we opt in when we take out credit, or if you sign a lease or anything like that. While credit reporting is the backbone of consumer finance, im not sure exactly how it works, and this may not be the right sub. r/personalfinance may be better. If you get a good answer elsewhere I would be much obliged if you posted it back here.


"Fred is correct ... MOST financial advisors (but not all) are paid either for managing your assets or for selling you financial products. But success at anything, especially building wealth, is all about PROCESS, not products. I applaud your desire to find a financial advisor to help you because this is not something that most people have the education, experience or capacity to do themselves (it is impossible to get the perspective you need to make the best choices). Start with a CERTIFIED FINANCIAL PLANNER professional - they have an ethical duty to do what is in your best interests ahead of their own (the ""fiduciary standard"").  You might interview two or three.  Work with the one who is transparent about how they are paid and whose process is focused on helping you achieve your goals ... not following any rule of thumb or standard boilerplate.  Your goals are different.  Your financial life is different. Find someone who can help YOU follow YOUR agenda ... not their own."


The fact that your credit card has seen the payment is strong evidence that the transaction did in fact take place.  But it's not unusual for there to be a delay of one or two business days before transactions show up in your online banking records.  Saturday and Sunday are not business days.   I bet you will see it on Monday.  If it's not there by Tuesday, you could call the bank.


> If a crook standing behind me in line seems me enter my pin  Easy to prevent with a cover over your fingers.  Hey! Do you mind giving your credit card to the waiter... who takes it to the back of the restaurant... gods knows what he does with YOUR credit card. writing down the number... scanning it... copying it... I am sure the waiter has a clean background... never ever ex-criminals get hired as waiters... high standards for waiters... and then the waiter give the card back to you so you can tip him? Don't forget to sign the receipt... so the waiter also have your most recent signature.  Or, do you prefer the card in your hand, while you scan it and then enter a PIN on a mobile device you hold in your hand?  How much fraud with ATM cards versus credit cards?  > If he sees me sign my name he's less likely to do that.  We already determined that nobody even care about signatures or check them.  Have you EVER have a case that your signature was questioned? No? Well, try an experiment in the next week: always sign with a totally new and made-up signature. Then, let me know if even one transaction was rejected.


Supply and demand for a particular bond may be such that the market price exceeds the par value for the bond at maturity. This is when you get a negative yield. Especially when volatility is high, people will actually pay money to park it in treasuries for an amount of time. But when compared to a > 25% vol in the equities market over that same period, taking a 5% or less hit doesn't sound nearly as bad!


People look at this problem the wrong way. The real issue for all phone manufacturers is that hardware is outpacing software. Phones have reached a point where incremental increases are no longer necessary and the low end hardware will do. iPhone4s V iPhone5, it's fairly pointless to switch.


No, but it's vested with the authority to interpret laws and pass regulations and interpretations like this.  If the franchise system sets the financial of the business such that wage violations are both predictable and mandatory for businesses to profit, then why shouldn't they be held accountable in purporting to their level of control.


why experts have to claim?  What about that guy who has a family to support with little income. He not only works 7 days a week but also overworks daily.   Don't understand why a statement is bashed into the internet and then shared.


I'd say there's a lot of oversight in the public companies, like maintaining transparency to the public by having public consultations and sending out lots of communication. There's also the way budgets are managed in public companies that are very different from a private company, so there's way more oversight into where the money goes. The reason public projects take so long generally falls under these considerations.  Private companies (at least where I'm from) also have to follow some pretty strict rules that there is a lot of pushback on, but considering that a lot of the oversight boils down to things like don't increase traffic by x amount without creating a detour route, don't increase stormwater flows to a river that would flood out people downstream, don't build houses so close together that a fire can jump from one to the next, etc, but I agree with having the strict regulation because it means that in fifty years we won't have the same massive problems that there have been before.  Also it's a tough sell to get some things done by private investment, like a country road, so it's a lot easier to have the government do it. That's why there's usually a division between capital works and development, where capital works will build the roads and sewers in existing areas while development will be subdivisions and industrial complexes where the developer has to put in all of the infrastructure as part of their development that they're making sales or rentals to turn a profit on. So there is a balance, but it's capital works that gets the most media attention for being horrible and in need of repair.


[ACN maser brothers](http://old.post-gazette.com/world/20020524ecstasy4.asp) or they use a mlm to launder money and promise big bucks. That the owners have from dealing drugs not selling personal services. Mlm are a joke, who in their right mind would pay to work for someone that is so counter intuitive that it's not even funny


It had to have been a con from day one - did anyone really think AC needed another casino? Every state up and down the seaboard has or is allowing and building casinos. Gamblers are a finite resource and simply building a new casino does not generate new gamblers. For decades the eastern states envied the gambling tax revenue AC generated for the state and wanted in on the deal. Now, shocking I know, now that gambling can be done just about everywhere, everyone is seeing their revenue drop.


Linear Title has demonstrated a commitment to philanthropy, both on a corporate and on an individual level. Linear Title believes very strongly in contributing to the community, and that an investment in today’s society is an investment in the future of our nation.Linear Title is pleased to announce that its chief financial officer, Todd Costa, will be joining the board of House of Hope, an organization that works with and advocates for homeless individuals and families.


They shouldn't have been hiring illegals in the first place. They had been illegally undercutting the market by offering a product at a cheaper price than someone doing so legally could have offered. Then cried and whined they they couldn't do so anymore, instead of selling their product at its actual price they instead hired cheap overseas labor. Yep.


Serviced offices with short term, flexible leasing options are lacking in the market. Regus offers some along with Cross Office along with a others but they are niche. WeWork might find a sweet spot in office rental market but if so expect the competition to jump in to so skeptical on the $20B valuation.. WeWork brings what competitive advantage that can be defended?


The Democratic Party holds the majority of public offices. Sixty-six percent of registered voters in the city are Democrats.[12] The only significant pockets of Republican strength are in Staten Island, as well as wealthier sections of Brooklyn and Queens. New York City has not been won by a Republican in a Presidential or statewide election since 1924.  http://en.wikipedia.org/wiki/Government_of_New_York_City


"In the case of Fidelity, the answer is ""no."" Although when you leave your employer and roll over the account to an IRA, leaving it with Fidelity allowed me to keep money in those closed funds. My Roth IRA was not able/allowed to buy those funds."


I am understanding the OP to mean that this is for an emergency fund savings account meant to cover 3 to 6 months of living expenses, not a 3-6 month investment horizon. Assuming this is the case, I would recommend keeping these funds in a Money Market account and not in an investment-grade bond fund for three reasons:


Exactly.  I mean, angel investors can be great, but you shouldn't be doing that unless you already have a proven model and revenue stream. I think an angel investor that would give someone money for an idea at the stage of having made $0 isn't really aware of what they're doing, and they're probably a friend or family that you may most likely end up letting down.


You are asking about what happens when an ETF/mutual fund company goes bankrupt. If you were asking about a bank account you would be asking about FDIC coverage.  Investment funds are different, the closest thing to FDIC protection is provided by  Securities Investors Protection Corporation (SIPC) SIPC was created under the Securities Investor Protection Act as a   non-profit membership corporation. SIPC oversees the liquidation of   member broker-dealers that close when the broker-dealer is bankrupt or   in financial trouble, and customer assets are missing. In a   liquidation under the Securities Investor Protection Act, SIPC and the   court-appointed Trustee work to return customers’ securities and cash   as quickly as possible. Within limits, SIPC expedites the return of   missing customer property by protecting each customer up to $500,000   for securities and cash (including a $250,000 limit for cash only). SIPC is an important part of the overall system of investor protection   in the United States. While a number of federal and state securities   agencies and self-regulatory organizations deal with cases of   investment fraud, SIPC's focus is both different and narrow: restoring   customer cash and securities left in the hands of bankrupt or   otherwise financially troubled brokerage firms. SIPC was not chartered by Congress to combat fraud. Although created   under a federal law, SIPC is not an agency or establishment of the   United States Government, and it has no authority to investigate or   regulate its member broker-dealers. It is important to understand that   SIPC is not the securities world equivalent of the Federal Deposit   Insurance Corporation (FDIC), which insures depositors of insured   banks.


I think the personal information part of this is key. Anyone that's tried to operate a home business understands the catch-22 of advertising your home address. My home phone rings all the time with salesman trying to lease me copiers and sell health insurance plans. I also don't want the damn FedEx man at my front door at 8:00 am with a priority package. I'm also an attorney and I don't want needy clients showing up at my house. My point is, Facebook sells my personal information and I prefer they wouldn't. LinkedIn sells my commercial information ad I prefer they would.


Only your contributions count. There should be no ambiguity in what you contributed to the IRA. The IRA should have sent you a Form 5498 at the beginning of the next year detailing what you contributed that year. This is important because there are limits on how much you can contribute to an IRA per year. You don't need to fill out the form in a following year if you've made no nondeductible contributions (or Roth IRA conversions or any of the other stuff on the form) that year.


Good for him that he is fascinated by actuarial science. I don't think I am fascinated, just mildly interesting. I feel I am making a grave mistake since I do not have this fascination.  I feel it will get me into that world. Instead of being an employee at Citigroup I'll be an actuary. I want my life to be a spectacular adventure and I feel that being an actuary will help. Kind of like Frodo's journey to destroy the ring rather than solely living his life at the Shire.


One of your credit reports said this was negatively impacting your credit. You are entitled to a free copy of your credit report once per year from each of the three major credit reporting companies in the U.S. (TRW, Equifax and one other). It is a good idea to check on these anyway, if you have credit accounts.  Get copies from the other two credit reporting companies. See if they also say that your credit is negatively impacted by so many loans, even though the balances are small. If all three credit reporting companies are in consensus about negative effecting your credit, then it is true. If that IS the case, check with your subsidized loan lender about consolidation. If the unsubsidized loans are from the same lender, ask them too. If they're from different lenders, you might want to ask at your bank about getting a debt consolidation loan. You might be able to save money by refinancing (consolidating) the unsubsidized student loans as one loan, maybe even ALL the loans as one loan, particularly if you bank at a credit union.


If you do this, you own a stock worth $1, with a basis of $2. The loss doesn't get realized until the shares are sold. Of course, we hope you see the stock increase above that price, else, why do this?


If you already have 500k in a Schwab brokerage account, go see your Schwab financial consultant. They will assign you one, no charge, and in my experience they're sharp people. Sure, you can get a second opinion (or even report back here, maybe in chat?), but they will get you started in the right direction. I'd expect them to recommend a lot of index funds, just a bit of bonds or blended funds, all weighted heavily toward equities. If you're young and expect the income stream to continue, you can be fairly aggressive. Ask about the fees the entire way and you'll be fine.


Gross pay is the total your employer is paying you. Net pay is the amount of money you actually received (should match your check or direct deposit), which is gross pay minus deductions (healthcare, 401k contributions, commuter tax-free programs, etc), taxes (as explained already), 401k loan repayments, garnishments (child support, IRS messes, etc).


1) Financial Analyst in a way is a big title but that is the way it is with anything to do with Finance like almost everyone is a Vice President in an investment bank. Take it slow. Consider and know that you got to swim thru the ocean and learn with every stroke and you may be coming out better than many.  2) First job is always very critical. We all have an image of that real life before starting it. It happens many times that what we imagined was very different than the realities and those cracks in the illusions may make us think that this is just the first step and the first block to give a shape to the resume to get the next better job. That is something which may prove to be suicidal at times because then we just try to learn the macros and not the micros as our objective is not to sail thru it but to use it as a sail to move to the next boat. I always feel that take the job as you are going to retire with it and learn all the details, the micros.... that really adds better value to the resume and yourself.


"An ""asset"" is something which you own that has a monetary value. Some examples would be your car, your house, the money in your wallet, and yes the pile of gold in your garage. Assets also include intangible things such as money owed to you for instance; although these are calculated somewhat differently. ""liabilities"" are what you owe. For instance, your car loan, your mortgage, and your student loan. Liabilities can also include future debts which you may not be paying at the moment."


It will not do anything except make insurance companies really happy and create a [race to the bottom, where we get the worst policies offered by encouragin insurers to go to the states with the least restrictions.](http://www.kaiserhealthnews.org/stories/2010/september/30/selling-insurance-across-state-lines.aspx)  In fact, there is no evidence [insurers even want to do this.](http://thehill.com/blogs/healthwatch/health-insurance/260049-study-little-practical-interest-in-selling-insurance-across-state-lines-)


It’s Uber’s game to lose because they went the luxury route first and accepted the money on promise of growth. They’re challenged with maintaining that growth which has pushed them to grow and diversify their business and is forcing them to find a way to automate their car service. It’s caused them to become the shitty company they are- bulldozing over laws/regulation/own employees.  Lyft started at the same time but were coming from a different angle taxi and scale up from there.  The old way of starting a business was to start small and grow.  The new way is to have an idea get a crap load of money and promise/deliver growth. The first is not necessarily the sexiest but if they keep growing and keep their nose clean they just have to wait for their competition to fall on their face.


You have four basic options.


Q: Where do you think the money comes from for the cash-back reward? A: The seller is charged a % transaction fee that is higher than the amount of the cash back reward.  So ultimately the seller is paying the cash back award and then some. This plan wouldn't work.


I get the idea behind it but certainly you would agree that it can be seen as a selfish mindset. Say I'm working on a project with this guy and we have a deadline at the end of the week. If he is not willing to stay an extra hour or two on Thursday afternoon to make sure we meet the deadline because he feels he needs to be compensated to put in a little extra effort then that is not a person I would enjoy working with. That's also an attitude that I don't think will get you very far (however fair that may be)  Routinely putting in 60+ hours when you are paid for 40 is different. I wouldn't have anything against a person unwilling to do that but I'm sure most people would prefer working with somebody that is willing to go the extra mile when needed rather than the guy clocks out at 5:01 every day.


I imagine all the licensing deals come at a cost as well. They have to pay those brand partners for movie deals and invest a lot up front to have products on shelves when the movies release. Then there's the risk of the movie underperforming.   Lower margins, potentially higher risk, brand dilution.


Because a paying down a liability and thus gaining asset equity is not technically an expense, GnuCash will not include it in any expense reports. However, you can abuse the system a bit to do what you want.  The mortgage payment should be divided into principle, interest, and escrow / tax / insurance accounts. For example: A mortgage payment will then be a split transaction that puts money into these accounts from your bank account: For completeness, the escrow account will periodically be used to pay actual expenses, which just moves the expense from escrow into insurance or tax. This is nice so that expenses for a month aren't inflated due to a tax payment being made: Now, this is all fairly typical and results in all but the principle part of the mortgage payment being included in expense reports. The trick then is to duplicate the principle portion in a way that it makes its way into your expenses. One way to do this is to create a principle expense account and also a fictional equity account that provides the funds to pay it: Every time you record a mortgage payment, add a transfer from this equity account into the Principle Payments expense account. This will mess things up at some level, since you're inventing an expense that does not truly exist, but if you're using GnuCash more to monitor monthly cash flow, it causes the Income/Expense report to finally make sense. Example transaction split:


The wall mount ironing board is pretty durable and resilient which could be twirled from any angle while ironing. Moreover, these devices can be easily installed without needing to hire someone else and also help you in saving few dollars on installation costs.


Just found your comment as I was searching for 'judicial dissolution'. Depending on your state, your partner (by starting another business which is in direct competition to this business) has committed a breach of fiduciary duty, a breach of the implied covenant of good faith and fair dealing, and maybe fraud. I am currently dealing with a similar situation.  The solution that I am pursuing is judicial dissolution. I will say, does the business own the web domain name, or do you personally? In my case, I purchased the domain myself, and I am simply going to redirect to a similar (but different) domain, and claim it as a rebranding effort.  It sucks. A lot. But it's a valuable lesson learned (for me, anyway). Best of luck.


If you're thinking of going back to your home country, you need to check whether you're allowed to keep foreign accounts once back there. In some countries having a foreign account may be illegal. In this case - don't contribute to 401K as you'll have to withdraw, and pay the penalty. If, however, your country of origin doesn't care about you having an account in the US - keep it, and contribute, because then you'll achieve these nice things:


"You can call CBOE and tell them you want that series or a particular contract. And this has nothing to do with FLEX. Tell them there is demand for it, if they ask who you are, DONT SAY YOU ARE A RETAIL INVESTOR, the contracts will be in the option chain the next day. I have done this plenty of times. The CBOE does not care and are only limited by OCC and the SEC, but the CBOE will trade and list anything if you can think of it, and convince them that ""some people want to trade it"" or that ""it has benefits for hedging"" I've gotten 50 cent strike prices on stocks under $5 , I've gotten additional LEAPS and far dated options traded, I've gotten entire large chains created. I also have been with prop shops before, so I could technically say I was a professional trader. But since you are using IB and are paying for data feeds, you can easily spin that too."


"There are times that the simplest explanation (or analysis) is best.  You show that, for a time, the PMI is $1812/yr. And it's the cost you will incur by sending $15,000 to the student loan instead of using it as a downpayment. 1812/15000 is 12%. The loan is already costing you 4% (I know, 3.899, a rounding error), so in effect, that $15,000 is costing 16%. I doubt the student loan is even double digits.  Use the $15,000 toward the downpayment. Take the $1812 plus the $859 per year saved on the mortgage payment, and throw the $2671 towards the student loan. This is the simple solution. (Note: $15000 at 4% for 30 years is a payment of $71.61 or $859/yr.) Part of the PMI issue is that PMI gets removed when you hit 80% due to natural amortization. i.e. the timeframe due to normal payments. If you make extra payments, and hit 80% a year after you close, that's nice, but the bank will drag its feet, and the appraisal (at your cost) may come back low. Then what?  Last, without the S/L interest rate and term, I can't calculate the numbers the way your example showed, but don't mix up term and cash flow with actual cost. Say I owed my mom $50000, at zero interest, and $500/mo payment. Sending $50K would ""free up"" that $500/mo, but there are better uses for that money, such as high interest debt. You propose to create 16% debt in your scenario."


"I'm assuming the central bank of Italy will initiate quantitative easing (print money) to pay for this. This should devalue the euro.  This may be ""rescuing"" these banks but it's fucking over everyone who is saving/trading with the euro."


Something I'd like to plant firmly into your mind - If you're able to save up enough money to buy the things you want outright, credit will be of little use to you. Many people find once they've accumulated very good credit scores by use of good financial habits, that they rarely end up using credit, and get little out of having a 'great' credit score compared to an 'average' credit score. Of course, a lot of that would depend on your financial situation, but it's something to keep in mind. As stated by others, and documented widely online, you don't need to make payments on a loan or carry a card balance to build your credit history. Check your credit on a popular site, such as Credit Karma (No affiliation). There, you'll see a detailed breakdown of the different areas of your credit profile that matter; things like:  The best thing I could recommend is get a credit line or credit card, and use it responsibly. Carrying a balance will waste money on interest, much like the car payment. Just having it and not over-using it (Or not using it at all) will 'build' your credit history. Of course, some institutions may close your account after X number of years of inactivity. With this in mind, I'd say it's safe to pay off the car loan. Read your agreement and make sure there aren't early termination / early payment fees for this. Edit: There have been notes in the comments section's of question/answer's here about concerns with getting apartment. My two cents here: Most apartments I've seen check your credit for negative marks.  Having no credit history, and thus never missing a payment or having a judgement made against you, will likely be enough to get you into most normal-quality apartments, assuming the rest of your application / profile is in order, like:  - Good references, if asked for them  - At least 2.5x rent payment in gross income etc, things like that. If they really think you're a risk, they may ask for a larger deposit (Though I'm sure in some areas there may be restrictions on whether they can do this, or how much they can do it) and still let you rent there.


Winter is coming... and Ukraine's gas bill is due.  Don't expect the IMF backed plan to win over the currently sympathetic Ukrainians... when they are freezing to death and are being asked to take Greece like austerity measures.  Don't expect EU voters to subsidize Ukraines gas bill.  By march of next year... expect a full blown grand exodus of support for a western plan, especially in Ukraine.


"The rate of the bond is fixed. But there is a risk known as ""interest rate risk"". Basically, if you have a 2 percent bond and market rates are 4 percent, you'll have to offer your bond at a discount or nobody would buy it. So if you ever needed to sell it, you'd lose a bit of money."


First, I try to keep electronic records (with appropriate backups) whenever it seems feasible: utility bills, credit card statements, bank statements, etc. This greatly cuts down on storage space, and are kept forever.  For hard copy records, it depends on the transaction.  I try to balance filing time and recover time, by how likely it is that I will need to access a record in the future.  I'm much less likely to need the receipt for this mornings coffee at Starbucks than I am to need the utility bill for my rental property (100%, come tax time).   For instance, by default I file my credit card receipts, that don't get filed elsewhere, by year with all cards kept together, and cull them after 5-7 years. I keep all of the credit card receipts, just because it is less effort for me than making a decision about what to keep and what to discard.  I put them in an accordion file by month of charge, and keep two, for the current year and previous years. At the beginning of each year, I get rid of the receipts in the oldest file and reuse it. Anything that needs to be kept longer that a couple of years gets filed separately. Certain records are kept together.  For example, car repair/maintenance receipts are filed by vehicle and kept for the life of the vehicle (could be useful when its sold, to provide the repair history).  All receipts for the rental property are kept together, organized by account. I'll keep these until the property is sold. All tax related receipts that don't have a specific file are kept together, by year, along with the tax return.


"To answer this part of the question: ""How can you build an index based on shipping routes - what is the significance of that? Indexes are traditionally built based on companies: e.g. S&P Index is a basket of companies whose price varies. But here you need a basket of FFA contracts from different oil firms (Shell, BP), 5 year Shell FFA's, 10 year shell FFA's. Where do routes enter the picture? Let the tanker any route he feels like."" No, you don't get a basket of FFA contracts from given companies (such as Shell and BP). What you get are rates assessed by a panel of brokers for the main tanker routes (especially in the tanker market, there are comparatively few standard routes, because the major oil loading areas are also comparatively few). The panel will assess the spot and future markets on a daily basis, and issue the rates accordingly."


Swaps form backstop to a shit load of int'l trade. Liquidity of currency is a huge factor in being a govt reserve currency, which USD currently has the VAST majority of holdings. This agreement is a shove against USE dominance in trade settlements, which is negative. Also challenges us general capital markets dominance a bit


There is [another take on this.](http://www.huffingtonpost.com/jerry-jasinowski/ex-im-bank_b_5543235.html).  Saying that the Ex-Im bank is somehow an entitlement of the rich is the kind of ignorance that one would expect of the far right. Just because large companies use it does not mean that it is not used by smaller ones that support local economies in the country.


So working at a cafe doesn’t mean you will learn everything you need to know to run a cafe. Are you being exposed to how the finances/taxes/food regulations are handled?  How about ordering/managing supplys?  How about employee management?   They aren’t gonna teach you all of that in business school probabably either but they will teach you stuff you didn’t know you needed to know.   I say skip school but realize it comes at a cost too.


"The problems with ratings and the interpretation of ratings is that they are retrospective, and most people read them as prospective. They basically tell you that debtor is solvent right now. What does that mean? It means that the ratings are based on the audited financial statements of a company, government or other organization issuing debt. So, in the best case scenario where the rating agency is acting properly, they are still dependent on folks with fiduciary responsibility telling the truth. And even if they are telling the ""truth"", accounting rules make it possible to obscure problems for years in some cases. Municipal goverments are a great example of this... the general obligation bonds cities and even states with deep structural budget problems still get good ratings, because they are solvent and have sufficient operating cash to meet obligations today. But towards the end of a 30-year bond's life, that may not be the case anymore unless they dramatically alter their budgets. At the end of the day, ratings are one aspect of due diligence. They are useful screening devices, but you need to understand who you are lending money to by purchasing bonds and diversify your holdings to protect your wealth.  The problem, of course, is when the trustees of your pension fund invests in garbage assets after getting a sales pitch on the beach in Hawaii, then conveniently place all of the blame for that bad investment on the rating agency. You unfortunately have zero control over that."


Peer to peer lending such as Kiva, Lending Club, Funding Circle(small business), SoFi(student loans), Prosper, and various other services provide you with access to the 'basic form' of investing you described in your question.  Other funds: You may find the documentary '97% Owned' fascinating as it provides an overview of the monetary system of England, with parallels to US, showing only 3% of money supply is used in exchange of goods and services, 97% is engaged in some form of speculation.   If speculative activities are of concern, you may need to denounce many forms of currency. Lastly, be careful of taking the term addiction too lightly and deeming something unethical too quickly.  You may be surprised to learn there are many people like yourself working at 'unethical' companies changing them within.


subsidy - financial support. For example subsidized housing - when the government pays a part of your rent (usually for low income families). or subsidized student loan - when somebody else is paying interest on the money you borrowed while you are in school.


I mean, the ultimate goal of the takeover would be removing a specific account, so if twitter shuts down all accounts, the it's a win (granted the investors don't care about monetary losses, which of course they do). Still, activist investors can get into proxy fights for board seats and even strategy with just 2% of a company. If there were enough people invested only in removing Trump, the trade of unhappy shareholders vs Trump seems easy to make.


>No, a tip is a reward for quality of service. I give a 10% tip for horrible service (service, not food). I give a 15% tip when I don't notice the waiter/ess as part of my meal. I give 20% tip when service (not food) was exceptional.  Then you're agreeing that the tip is a base form of compensation. I shouldn't have said that they're exclusive because they're not, but in the 95% of cases where people are obeying a 15-20 rule, then you're agreeing that it's compensation + a little bit extra for good service (typically what, 5% extra up to 20%)?  >If you want to argue that tipping is not a reward for quality of service, then I will abstain from tipping altogether because I paid for my food and I'm willing to get my own damn water and pick up my food from the kitchen if someone will let me.  This business model is becoming more common. Upscale fast is a similar genre. The blending of self-service with higher quality food. Listen, restaurants are going to be run by machines sooner or later. I worked in a chain that was literally computer run. The computer told the host where to sit a table (and knew exactly what was clean/dirty), it watched to see if waiters got drinks in x time, servers put in a food order and it popped up each item (or part of item) on screens for cooks in the correct time (IE long dishes popping up quickly and fast dishes popping up later). The entire restaurant was run through that, it monitored everything.   At this point, I think they keep waiters around because they're so cheap ($2.13) and their tips can be so easily used to cover other costs in the business because honestly otherwise they'd be pretty easy to replace.


From my experience you don't need knowledge of accounting to pick good stocks. The type of investing you are referring to is fundamental. This is finding out about the company, this websites should help you start off: http://en.tradehero.mobi/how-to-choose-a-stock-fundamental-analysis/ Investopedia will also be a useful website in techniques. A bit of knowledge in economics will be helpful in understanding how current affairs will affect a market, which will affect stock prices. However you need neither economics or accounting knowledge if you were to learn technical analysis, many doubt the workings of this technique, but in my experience it is easier to learn and practise. For example looking at charts from previous years it shows the last time there was a huge recession the dollar did well and commodities didn't. In this recession we are entering you can see the same thing happening. Read about the different techniques before limiting yourself to just looking at financial statements you may find a better technique suited to you, like these technical analysts: http://etfhq.com/blog/2013/03/02/top-technical-analysts/ Hope this helps.


Trauma and Post Traumatic Stress Disorder has become much more common now than it used to be, and it shakes the whole foundation of one’s life. It generally sprouts from various underlying emotional issues and makes us afraid of everything. We at Transformations Coaching & Hypnotherapy, help our patients heal through many different techniques.


"You could do nothing for a while longer. Foreign exchange simply means your services are cheaper and imports and more expensive, local transactions are otherwise unaffected. Your main worry is whether the government's attempts to revert these issues will create inflation within Russia.  Local clients will likely not care to pay you in Euros, Dollars, or Pounds (as it will cost them significantly more, they'd have to acquire the currency to pay you with) but does it matter if they pay in Roubles? The financial crisis in more an international thing, not a local one. Now it is possible there will be inflation setting in but I doubt the powers that be will allow that to happen... If you are concerned about it, buying non-liquid assets are the thing to do - a house will still be worth ""1 house"" no matter what a 1-million rouble note will buy you in a year's time. Similarly, you can invest in 'blue-chip' stocks that should be a good hedge against any further inflation (the rich don't tend to turn poor in difficult times!) In the meantime, get some international clients - as the Rouble is so low, relatively speaking, your services are very competitive. The rest of the time, is to wait it out a little - nobody knows what will happen, but in my knowledge of history interest rates like this drop back to something much closer to normal quite quickly."


This answer is specifically for the UK, but one building society has an account set up specifically for this. You actually refer your friend/family member to set up an account and then it can be linked to your mortgage. They don't get any interest for their account as it's all offset against your mortgage. If you then happen to give them a cash gift (up to £250 or possibly £3000 per year, I can't work out which is the reliable number, as of 2015) then it's all completely above board.


Tons of resources out there for you. Look up guides on wallstreetoasis, vault, or mergersandinquisitions. Think of it this way. People tied to market hours aka trading floors have the best work life balance. The people working extreme hours are those in IB. Those are the guys doing M&A, IPOs, debt issuances etc.


Eh, they might have a case. If you don't see them side by side—which you won't, because they're sold in two different stores—you might just assume the logo is being changed or something.   Also, a consumer might not realize that either is a store brand; stores have moved away from naming their store brands after themselves, and this is a case in point.


"Now, to buy in full (and essentially have zero savings), buy in part (£10000 deposit, followed by a loan of £4000) or PCP/HP more of the value? So, you are assessing if the car is worth having with either none or only 4,000 in savings. This is the most critical information you have provided.   My outright opinion is to always buy a mildly used car as I hate the idea of loans and interest. With the amount of money that you currently possess, I believe the ""Buy-in-part"" option is best as it reduces your interest liability; but, I don't believe you should do it currently. 4,000 is a rather small cash fund for if something were to go boom in the night.   As for your question of interest: This is completely dependent on the amount you are able to pay per period and the total interest you are willing to spend, rows four and seven respectively. This is your money, and no one can tell you what's best to do with it than yourself. Keep looking for good leasing deals or if you think you can survive financial strife with 4,000 then follow your heart. ""Depreciation"" fluctuates to the buyer, so never assume what the car may lose in the next 2-3 years. Hope it all goes well my friend."


CashBase has a web app, an iPhone app and an Android app, all sync'ed up. It doesn't integrate with banks automatically, but you can import bank statements as CSV. Disclaimer: I'm CashBase's founder.


"Great question, and here is the answer. No. Shares in 401k plans are never registered to an individual while the money is held in the plan. That goes for stock or mutual funds. Technically your account is never ""yours"" until you request a distribution from the plan.   Most people do not understand this, and it's not the easiest of concepts to understand or be willing to grasp."


Since making loans isn't 'casino banking', I'm going to start a small, regional lending institution that just lends money to people to buy homes.  I really want to open up home ownership to a larger group of people, maybe those who wouldn't qualify for traditional loans.  I'm just not sure whether to call it Washington Federal or Countrywide Financial.


The only issue I can see is that the stranger is looking to undervalue their purchase to save money on taxes/registration (if applicable in your state). Buying items with cash such as cars, boats, etc in the used market isn't all that uncommon* - I've done it several times (though not at the 10k mark, more along about half of that). As to the counterfeit issue, there are a couple avenues you can pursue to verify the money is real: *it's the preferred means of payment advocated by some prominent personal financial folks, including Dave Ramsey


"Buying a piece of equipment is not a capital loss.  You now have an asset that you can sell for some percentage of the original price. For most assets, that value decreases over time, and you can ""write off"" the depreciation of the value each year.   So you can deduct the depreciation of the asset from your business's income, which would then get passed on to your personal taxes (reducing the profit from your business).  If you don't plan to use the equipment for some time, you might be able to depreciate the equipment based on the amount of usage, but I'd check with a CPA in your area to be sure."


"Assume they do not overwithhold. You pay in $500/mo, and every time it hits $3000, they pay the tax. Engineers call this a sawtooth function, it looks like this.  The average balance is not $3000, but close to $1500. The very simple math is $1500 * rate * years.  It looks like your equation except it's not 58, it's just the years. And the question is whether you can make more than $850 on $1500 average before you sell. I wouldn't be so quick to plug in 29 years, as the average home ownership is 7 years, and depending, who knows if a refinance is in your future?  The bottom line - How long would it take you to get a 57% return (2350/1500)? Ironically, the most responsible (and risk averse) person would say ""decades. Banks offer less than 1%."" even an 8% market return, while not guaranteed, is close to 7 years. But, if you carry 18% credit card debt, you can pay it down a bit each month and let it float back up every 6 months. Less than 4 years to break even."


Being curious is fine, but ascribing any special import to a GM ingredient, as opposed to the product of hybridization, or artificial selection, is silly. That specific question is not actually meaningful in any way whatsoever.  And once again, I fully support the right of people to have answers to their asinine questions. Calling it asinine doesn't work against the goal of transparency.


Cycle analysis indicates that the current bear market, which began in May/June, should last until late 2016 / early 2017. So if you want to trade the short side, then it's a great time to be short for the next 15-18 months.


Cash would be the better alternative assuming both stocks take a major hit in ALL categories AND the Fed raise rates at the same time for some reason. Money market funds that may have relatively low yields at the moment would likely be one of the few securities not to be repriced downward as interest rates rising would decrease bond values which could be another crash as I could somewhat question how broad of a crash are you talking here. There are more than a few different market segments so that while some parts may get hit really hard in a crash, would you really want to claim everything goes down? Blackrock's graphic shows in 2008 how bonds did the best and only it and cash had positive returns in that year but there is something to be said for how big is a crash: 20%, 50%, 90%?


Something very similar to this was extremely popular in the UK in the late 1980s.  The practice has completely vanished since the early 2000s.  Reading up on the UK endowment mortgage scandals will probably give you an excellent insight into whether you should attempt your plan. Endowment mortgages were provided by banks and at their peak were probably the most popular mortgage form.  The basic idea was that you only pay the interest on your mortgage and invest a small amount each month into a low fee endowment policy.  Many endowment policies were simply index tracking, and the idea being that by the end of your mortgage you would have built up a portfolio sufficient to pay off your mortgage, and may well have extra left over. In the late 1990s the combination of falling housing market and poor stock performance meant that many people were left with both the endowment less than their mortgage and their house in negative equity.


"Yeah I'm not too sure either, but in response to your edit, this is what got me wondering even more, enough to post this question. Last year was a rough year. Growth was flat in many regions. Still, I heard salesfolks complaining about bonuses. I had the same reaction as you-- ""why would you get a bonus?"" But then I started thinking perhaps some amount is guaranteed."


I believe the law was originally introduced to preserve competition in the market - smaller companies with very good products can't compete with someone who can leverage their monopolist position in other markets (= high market share, unrelated to the number of competitors) in promoting possibly inferior products in other markets. Google has hundreds of millions of their search engine users in the EU alone.  It should not affect normal competition since the law only applies across different markets.


For being a real estate billionaire and businessman, it's ironic he's kept unusually quiet about this monumental issue. My understanding is he's had (and has) the opportunity to stop the quarterly sweep/theft with one call to his Treasury Secretary, but so far chose not to.   And for someone that seems committed to reversing most anything implemented by his predecessor, it's frustrating he's not all over this.


Chipotle is not some huge chain that impacts American's total consumption of beef. Shit.. they only have like 5 menu items anyway. The place is for tools who like to pretend eat healthy. Next we'll hear Panara Bread is driving the nation to sustainable agriculture. Antibiotic free meat does not have a large market in the US. Sure... that tiny market may be growing, but it's comparable to preaching that Apple is about to overtake Microsoft.   Without legislation people will NOT make the right decision. They will eat what's cheap. Just look at the numbers. McDonalds rules fast food with low quality dirt cheap burgers. When Chipotle makes a dollar menu then they might have a real impact.


"> no one knows because a QE program of this size has never ever been unwound.   The Japanese know.  Admittedly, they're not the Fed, but they're targeted to compose ~8% of the SDR through 2020 (down by way over half from their pre ""lost decade""s).  The Japanese ended up with their central bank directly participating in the stock market.  When central banks are the arbiter of market efficiency, you end up with distortions, a la Kobe Steel.    Good luck with that, America."


Since 2007 the world has seen a period of striking economic and financial volatility featuring the deepest recession since the 1930s despite this gold has performed strongly with its price roughly doubling since the global financial crisis began in mid-2007. 1. Gold and real interest rates: One of the factor that influences gold prices is real interest rate which is to some extent related to inflation. Since gold lacks a yield of its own, the opportunity cost of holding gold increases with a real interest rate increase and decreases with a fall in real interest rates. 2. Gold and the US dollar: The external value of the US dollar has been a significant influence on short-term gold price movements. The IMF estimated6 in 2008 that 40-50% of the moves in the gold price   since 2002 were dollar-related, with a 1% change in the effective   external value of the dollar leading to a more than 1% change in the   gold price (Source).  3. Gold and financial stress: It is a significant and commonly observed influence on the short-term price of gold. In periods of financial stress gold demand may rise for a number of   reasons:  4. Gold and political instability: It is another factor that can boost gold prices. Investor concerns about wars, civil conflicts and international   tensions can boost demand for gold for similar reasons to those noted   above for periods of financial stress. Gold‟s potential function as a   „currency of last resort‟ in case of serious system collapse provides   a particular incentive to hold it in case the political situation is   especially severe. (Source) 5. Gold and official sector activity: The behaviour of central banks and other parts of the official sector can have an important impact on gold prices.  One reason for this is that central banks are big holders of gold,   possessing some 30,500 metric tons in 2010, which is approximately 15%   of all above-ground gold stocks. As a result, central bank policies on   gold sales and purchases can have significant effects, and these   policies have been subject to considerable shifts over the decades. (Source)   (Source of above graphs)


"I looked at data from Sept 2010 to present: Standard deviation is what shows the spread shape of returns over time, and it meanS that about 2/3 of the time, AAPL return was within +/- 1.65 higher/lower than the daily average return which was .21 %. Not sure where to go with this except to suggest that in fact, AAPL is more volatile than the S&P and even another random tech company. With time, I'd probably come up with a list of stock more volatile. I know that when I look at a list of stocks I track on Yahoo, there are always a few that are just as volatile on a given day.  Excel makes the above analysis easy to do for a given stock, and it's actually an interesting exercise, at least for me. Disclaimer - the shape of stock returns is not a bell curve, and STdev is just a best fit.  Edit - given more time to tinker on excel, it would be interesting to see how the stock's volatility tracked over the years, did it increase or does it feel that way due to the high price? A $20 swing on a $600 stock is the same as a $2 swing on a $60 stock, yet ""up $20"" sounds huge."


Many would suggest that Trump's strategy for trade is outdated and there are the sensational claims he's an isolationist or nationalist. Whatever you want to call him. I believe he is trying to create jobs and a self relying economy within our own country and simply put he is putting our needs first. Instead of focusing on multilateral trade agreements he uses his bilateral strategy to negotiate. He is after a businessman and not a politician. I think its too early to tell if his trade stance is consistent with economic growth. Whatever we were doing was not working.


Millennial here. I second this, ads have become so annoying in many platforms and often I feel as if they make me less likely to buy something (potentially psychology says otherwise). However, I do often find myself watching a video online when its interrupted by an ad mid way whereby  I usually stop watching the video and go to something else.


These executives are usually well aware because they've seen the surveys and other data. They say this bullshit to calm the herd internally until an actual plan is put in place.    It's more for the employees than the consumers. A mass exodus of staff would cripple them before than they can adapt.


You're eligible to do whatever you please, regardless of what you owe as long as you're in a payment plan approved by the IRS which you follow religiously.  That said, let me incorporate some of the comments, as they're important: ChrisInEdmonton said: Note that almost all such 'opportunities' are scams. In order to   provide a complete answer, you'll need to explain the terms of your   installment agreement with the IRS. Also, just curious. If you have   the money to start up a business, why aren't you using it to pay back   the money you owe John Bensin added: I strongly recommend you read through a few links on work-at-home   scams, e.g. fraud.org, forbes, Wikipedia, and the FTC   before joining something like this, to be safe


>It wasn’t until the late 1890s that a small German drug and dye factory called Bayer properly synthesized aspirin’s various ingredients into a single drug. (Bayer faced stiff competition from another extremely popular new pain reliever called heroin.)  this part made me chuckle.


"As a casual gamer who is also politically involve, the lack of mandatory spying was its winning ""feature"" for me.  I don't particularly trust Sony (the rootkit cds & credit card thefts killed that), but they weren't trying to actively spy with a mandatory internet connection and always on kinnect."


I do this all the time with around 5 credit cards (Chase Slate, Bank of America, Capital One, Barclay Card, and Discover). They will all send me balance transfer checks every month with rates ranging from 0% to 5%. Chase has some of the best rates (0-2% for 16 months). BofA has the best APRs, in case I need to keep the balance on for several months after the transfer expires. Generally you don't need to jump through hoops to get the money in your bank account. They will usually either wire it directly or you can just deposit the check. Do make sure you read the fine print on the offer. Most of the time, the offer will show up as a standard balance transfer. Sometimes, they may designate one of the checks as cash advance with much higher rates. Always double check the transfer fee and post-expiration APR. Recently did it with Barclay Card and Bank of America, both at 2% for 12-18months.


Nothing is going to make repeat the sensation that a player has when entering a physical casino for the first time and try luck in some of the games. If you are a passionate player and often visit your malaysia sports betting, you will surely be noticed by the staff and you will have a sense of comfort when you enter through the casino website.


Co-signing is not the same as owning. If your elderly lady didn't make any payments on the loan, and isn't on the ownership of the car, and there was no agreement that you would pay her anything, then you do not owe either her or her daughter any money. Also the loan is not affecting the daughter's credit, and the mother's credit is irrelevant (since she is dead). However you should be aware that the finance company will want to know about the demise of the mother, since they can no longer make a claim against her if you default. I would start by approaching the loan company, telling them about the mother's death, and asking to refinance in your name only. If you've really been keeping up the payments well this could be OK with them. If not I would find someone else who is prepared to co-sign a new loan with you, and still refinance. Then just tell the daughter that the loan her mother co-signed for has been discharged, and there is nothing for her to worry about.


The point of that question is to test if the user can connect shares and stock price.  However, that being said yeah, you're right. Probably gives off the impression that it's a bit elementary. I'll look into changing it asap.


"You also want to make sure that the loan is being re-amortized (sometimes called ""recasting"").  Without this, you are still responsible for the interest payments according to the original amortization table.  If you re-amortize the loan with a principal that is lower than on the table, you will reduce the amount of interest you owe each period, which means that if you maintain the same payment you will pay less in total interest.  It's important to realize that most people re-amortize to reduce the payment amount but not the term.  Also, not all loans can be re-amortized, and some banks limit how often it can be done."


I'm sorry for adding another answer @MatthewFlaschen but it is too long for a comment. It depends on the situation. Say you buy shares of the Apple Inc. and want to know what is the lost opportunity cost. You need to find out what other opportunities are. In other words what are the other possible types of investments you consider. For example in theory you could try to invest in any company from S&P 500, but is it really possible (I don’t mean investing directly in index) . Are you really capable of researching each company.  So in your case you would consider only a few companies as alternative solutions. Also after different time period each choice may be your lost opportunity cost.  To measure the risk you have to: In conclusion I want to say that my goal was to picture in general how the process looks. Also this is just an exemplary answer. All is about in what finance field you are interested. For example in one field you use Internal Rate of Return and in other Value at Risk. Opportunity cost is to vague to exactly tell how measure its risk of wrong anticipation. It connects in every finance field and in every field you have different ways do deal with it. If you specify your question more, maybe someone will provide a better answer.


"When you say that the problem is ""high supply but no demand"" you are actually correct. Here's why:  The phrase ""borrow/spend less, save more"" isn't an absolute law. It's more of a cautionary tale. Obviously, spending is an integral part of an economy: it accounts for at least 50% of every transaction! But the aphorism is getting at something other than admonishing people to not spend. The point of the saying is that interest rates should reflect savings rates.   What it comes down to is the how the law of supply and demand applies to the relationship between savings and interest rates. Consider this thought experiment: in a world where everybody saves 50% of their income, what would happen to interest rates? Banks would have a glut of savings, relative to the population. Assuming demand remains constant, interest rates would go down: the price of borrowing goes down as the supply of money to be borrowed increases. Thus a corollary of the law of supply and demand is that as savings increase, interest rates tend to go down.   So, as savings increase, the economic environment encourages capital improvements. Businesses can borrow at lower rates and increase long-term productive capacity. This is what the federal reserve has attempted to do by lowering the Fed Funds rate to near zero and by Operation Twist: increase economic activity through low borrowing costs.   So, what's the problem? When interest rates are artificially low there are no savings to support the production later in time. A company that borrows at a 1% rate created by the feds can build a factory to make widgets, but it will have a hard time selling that widget to a population with a negative net worth. However, if the 1% rate is ""natural"", then the company should be fine: the savings of the population should support the production from his widget factory.   For about 30 years we have experienced a credit boom in this country that was not created by excess savings. This trend couldn't continue forever. Look around you. At the end of the day, an economy is simply a group of people getting together to buy and sell stuff and services. Right now there is a lot of debt, and little cash. Who will be doing the buying?"


"The SEC requires a certain format when submitting filings, which generally does not line up with how documents are typeset for printing.  Rather than typeset the entire document again, it's just sort of accepted that the format in EDGAR will suck.  Typesetters actually call the process ""EDGARizing.""  (I'm not making this up, I used to work in the department at a mutual fund company that put together the financial reports for the funds.)  My guess is it's a relic from legacy systems at the SEC that can't handle newer formats like PDF."


"As someone that works in and with the ag and commodity markets, my understanding, is limited but I hope it helps.   Aside from needing an infrastructure built to maintain the vast amounts of data, communication, pricing, banking information, having a closing time for our markets helps to ensure value and fair trade. Capitalism is centralized around creating a fair value for ventures to sell, where prospective buyers opt to purchase or invest. For example, where I attended university, there were many coffee shops close to campus, but only one stayed open all night, and as such had operational cost much higher than other shops, forcing them to charge more for a cup of coffee. While this example is crude, the idea is the same. By maintaining""bank"" hours, product or strategies and developments meant to increase projected value are allowed to occur.   I imagine that if the markets did not close, my coffee prices would skyrocket for an increased demand, that of which the supply chsin, and farmers, would struggle to meet. The same would be said of grain, salt, oils, etcetera."


Western Union, Money to India, Remit to India are some of the services that specilize in remittance and would be cheaper than an International Wire.   There is not tax for transfering your own money earner outside India into India.  Edit: The business of Remittance is bought into the Service Tax Net by Govt. It is seen that Banks are offering this as a service and hence the tax to Banks which is passed on to customers. 0.12% of tax on the converted amount. IE if you transfer Rs 1,00,000/- you would need to pay a tax of Rs 120/-. Above Rs 1,00,000 the incremental rate is 0.06%


"Stop trying to start a civil war on a shitty ""sob story"".  Blaming your employer is the most piss poor excuse you can make for being a mediocre peasant.  No one ever said you had to work for all the shitty employers that you claim to have had.  You have the ability to find other work, you're laziness just disallowed it.  If you hate your job, become its competition; don't sit on reddit and arouse yourself to other mediocre peasants jerking off to you're second class pitied rhetoric.   You probably have never felt a woman either, bitch."


With trillion dollar plus deficits, it's not like we're running an austerity program here.  When you say sacrifice, compared to what?  Two trillion dollar deficits?   Your observation of constant predictions of imminent doom is valid. The timeline has been extended by a series of bubbles- market, housing, fiscal deficits...  The shortcoming of doom prognosticators is that they underestimate the willingness of those in power to do whatever it takes to prolong the status quo, regardless of the long term consequences.   The game is perpetuated by ever increasing debt, and government became the borrower of last resort once the rest of the economy was tapped out.  The govt's ability to continue along this course in the open market is questionable as the Fed appears to be monetizing a large portion of newly issued debt.  The end game is a currency crisis.  It's nice to have a timeline accompanying a prediction, and critical for investing, but it is often very difficult to do, and in this case, it has been extremely difficult because the policy decisions have been rational from the perspective of elites maintaining their status, but not optimal from the standpoint of solving the problem.  That doesn't mean the predictions are useless though.  You could live in a flood zone and not be able to predict with accuracy when the next flood will occur, but that doesn't mean you shouldn't prepare.  Given the uncertainty with timing this, it seems to me the best course of action is not to try to time it, especially with respect to investing based on market timing, but to prepare the best you can for what will inevitably eventually occur.


"No, Skiffbug is not English.   Second, it's very clear that the type of method considered ""special"" by the tax code is clearly not labor, but capital gains and gains from ""carried interest"".  If you actually take 3 seconds to read my comment, I am saying both should be treated in exactly the same way, and taxed at the same progressive scale."


No. An HSA is similar to an IRA, in that it's an individual account. I'd suggest you use hers for all expenses and make new deposits to yours until your wife's HSA is depleted.


Depends on your location, bought shoes online and they didn't fit. My local store wouldn't take a return on them. They claimed they were not connected to the main footlocker network. This was a couple of years ago, I hope things have changed since then.


In Malaysia, the company provides the best Wedding Videography, it's far telling a tale and capturing the emotion and believing in the strength of imagery, image taking, and storytelling even as imparting a memorable enjoy. We recognize that your wedding cinematography is the most special day of your existence and we devote ourselves to imparting you with the highest best carrier reminiscences. Now, we suppose you may agree the result is a wedding film that makes your perfect day the correct memory. Real size films, shooting real Romance, Emotion, And Laughter.


If you happen to be looking around one of the most secured business investment Opportunity, Franchise Business investment Opportunity is one of the best options to look at. A franchise is a single platform where you can explore your area of interest and nurture it safely. Moreover, it gives you the opportunity to step ahead with the world's leading companies, and earn a market reputation easily.


When you take a sound and lighting hire from any company, the services of a professional technician included in the cost? In almost all cases, the professional services are separate, as they are not always needed. In The United Kingdom, you can take Sound & Light Hire from our company. However, you may be able to negotiate a deal and get either the equipment or the services at an affordable price.


It is literally what he said, and yet folks here are quick to note that it is certainly not what he meant.  The 7 years aspect is not the unusual part here. The unusual aspects are:   - It has been in a bubble for as long as it has existed, and will continue to be in such a state indefinitely.     - It doesn't have an underlying intrinsic value.  I think you'll agree that this is somewhat less commonly seen.  (For clarity, I don't believe either of those statements to be true, but this is what many of the folks calling Bitcoin a bubble actually believe. See [Alan Greenspan](http://www.koreaherald.com/view.php?ud=20131205000421) and [Warren Buffet](https://www.cnbc.com/2014/03/14/buffett-blasts-bitcoin-as-mirage-stay-away.html)'s positions on the topic for example.)


"In general there are two types of futures contract, a put and call.  Both contract types have both common sides of a transaction, a buyer and a seller.  You can sell a put contract, or sell a call contract also; you're just taking the other side of the agreement.  If you're selling it would commonly be called a ""sell to open"" meaning you're opening your position by selling a contract which is different from simply selling an option that you currently own to close your position. A put contract gives the buyer the right to sell shares (or some asset/commodity) for a specified price on a specified date; the buyer of the contract gets to put the shares on someone else.   A call contract gives the buyer the right to buy shares (or some asset/commodity) for a specified price on a specified date; the buyer of the contract gets to call on someone for shares. ""American"" options contracts allow the buyer can exercise their rights under the contract on or before the expiration date; while ""European"" type contracts can only be exercised on the expiration date. To address your example.  Typically for stock an option contract involves 100 shares of a stock.  The value of these contracts fluctuates the same way other assets do.  Typically retail investors don't actually exercise their contracts, they just close a profitable position before the exercise deadline, and let unprofitable positions expire worthless.  If you were to buy a single call contract with an exercise price of $100 with a maturity date of August 1 for $1 per share, the contract will have cost you $100.  Let's say on August 1 the underlying shares are now available for $110 per share.  You have two options: Option 1: On August 1, you can exercise your contract to buy 100 shares for $100 per share.  You would exercise for $10,000 ($100 times 100 shares), then sell the shares for $10 profit per share; less the cost of the contract and transaction costs. Option 2: Your contract is now worth something closer to $10 per share, up from $1 per share when you bought it.  You can just sell your contract without ever exercising it to someone with an account large enough to exercise and/or an actual desire to receive the asset or commodity."


You may be able to, depending on what state you're in, but it is going to be 10x more complicated than just forming a new LLC. I don't see an advantage to this approach - if you're imagining it will be cheaper, you are imagining wrong.


Wow, very amused by some of the answers. I will comment on those later. To directly answer your question, here is a link to a brochure that explains the three basic typs and is written in straightforward language. link text That is step one. Step 2 is a question, cheapest when, initially or for long term? Without a doubt term initially is the cheapest. However every 10 years or 20 years it increases in price. As the name term implies it is temporary. Coverage will end at some point, 75, or 80 depending upon plan design chosen. It is possible that if you choose Term you can outlive your coverage and all you have are a bunch of cancelled cheques. Young people with a mortgage, children and other debts should buy a lot of term as the mortgage will be paid off, the kids will no longer be dependent. These needs are temporary. However some needs are permanent. What about leaving a Legacy at Death to a Charity? Insurance is a good solution and can provide a tax deduction too. Term isn't a good fit. Or a business owner wishing to transfer his/her business at death to their children. Taxes will be due and permanent insurance such as Whole Life and Universal Life can be arranged to provide cash to pay tax whenever this happens.  Let me ask you who received 10% in the last ten years on their equity portfolio. Almost zero people did. However a Whole Plan would have generated a guaranteed return of 3.0% plus a non-guaranteed return via dividends that the combined internal rate of return  on a combined basis would be about 5.6% AFTER TAXES. Life a bond portfolio yield. (Internal rate of return is dependent on age at buying, years of investing. All insurance comany software can show you the internal rate of return.) IRR is essesntially: what is the return after tax that you must get to equal the equity or death benefit from a permanent insurance plan. Someone mentioned by Term and Invest the difference. That is what universal life is, Term and Invest the difference except the difference is growing tax sheltered.Outside investments with comparable risk are taxable! There is no easy answer for what type is right, often a combination is. The key question you should ask is How Much Is Enough? Then consider types based upon your needs and budget. Here is a link where you can calculate how much you need. I hope this helps a bit.


I use Yahoo Finance to plot my portfolio value over time. Yahoo Finance uses SigFig to link accounts (I've linked to Fidelity), which then allows you to see you exact portfolio and see a plot of its historical value. I'm not sure what other websites SigFig will allow you to sync with, but it is worth a try. Here is what the plot I have looks like, although this is slightly out of date, but still gives you an idea of what to expect.


Options can have a negligible time premium. For American1 calls the time premium is never negative. If it had a negative premium it would be profitable to exercise it immediately. A deep in the money call has a delta of exactly one. That is, it's price movements completely mirror the price movements of the underlying stock. That means an option seller can buy stock and completely hedge his short option position. The seller of the option may be in an position to buy with very little margin and take your money and invest it. For example, consider a stock trading at $7.50, with its January 2014   $4 call option trading at $3.50. For one option, representing 100 shares, a trader could take your 350 dollars and invest it, and only use a small portion of the money to buy the stock on margin. Market-makers can typically borrow money at very low interest rates. If you have high borrowing costs, or are unable to buy on margin, then buying deep in the money calls can be a good strategy. Long story short, option sellers are making money off selling these deep in the money calls even with almost zero time premium. So, in general, there's no way to make money by buying them. 1. An American call is a call that can be exercised at any time up to and including its expiration date.


No joke. I work for a hospital, and we have several positions in billing that could be gone with the new system we have, but they're still there, looking at every invoice.  I'm not sure at all what the fuck they do. We only need like one coder.


I am not an accountant. However I am an independent contractor.  When making money, it's best to estimate the taxes. Especially as you make more money.  For two reasons: Your estimates will never be spot on, no worries everything will be reconciled when you file your return.


"Which is why we study data, not anecdotes, impressions, and ""seems"". The numbers are clear, the rich are far richer, and the middle class's incomes have been stagnant for 40 years, while their burdens have grown massively. If you will accept this as true, because it IS true, then all of your questions are answered quite simply. The reason your father and grandfather could support a family on one paycheck is because that paycheck was considerably larger by comparison, and had to pay for many fewer things."


You acquire something because you expect to use it, or because you expect to exchange it for something that you want to use. Gold is a good candidate for storing value because it's rare, it's not easily counterfeited, it's divisible, it's portable, etc.  Contrast this with your favorite currency:  more can be printed up almost at will, etc. Overvaluedness/undervaluedness is only in reference to something else.  How many dollars does it take to buy an ounce of gold?  (About $1,500.)  How many ounces does it take to equal the DJIA?  (About 8.)  How many ounces of silver does it take to buy an ounce of gold?  How many barrels of oil can you buy with an ounce of gold?  Etc., etc. But whatever measure you're using, the value of the gold you have is directly related to the mass of gold you own.  Two ounces are twice as valuable as one ounce. As the old joke goes (no offense to taxi drivers intended!) when your cabbie starts talking about how to get rich with gold, it's probably overvalued.  Sell it all! ;)


You've thought it through and you know the risks, so more power to you. I'd only add that recovering from big downdrafts gets harder as you age, and you're also depending on the S&P 500's pretty impressive history to repeat. To me the 6%-9% long-run historical range of S&P 500 returns doesn't match up well with the new era of weaker, 2%-ish economic growth since the early 2000s. Insofar as growth is driven by secular trends such as worsening demographics and fewer productivity advances, you're depending on other factors (globalization driving earnings power, central banks continuing to distort asset prices indefinitely, etc.) to get to that long-run 6%-9%. If the S&P enters a leaner couple of decades, it will be much harder to recover from losses.


"I'm not sure what ""rents"" you are talking about, but corporate profits are completely different from high net worth individuals. And actually, most corporate profits are reinvested (literally) or returned to investors, many of whom are less-than-rich or are institutional investors like pension funds or investment funds who in turn provide those profits to their beneficiaries.   If you are suggesting that the financial industry somehow contributes nothing to society, then you must lack an understanding of the importance of liquidity to a modern economy. For an example of what happens when liquidity dries up, look no further than 2008 or Greece today.   If you want your cell phone, iPad, internet, etc, then you need a financial system because there is no way a company like Apple is getting enough funding to undertake massive projects like the iPod or iPhone without major multi-national banks who can provide the leverage to make it possible. Though Apple is an admittably poor example of this as they are now so wildly successful that they have a huge pile of cash that they actually are hording. Then again, look at the investor outcry that the Apple horde unleashed. As I said, it's bad business to stockpile cash and the investors let Apple know this. So Apple distributed that cash back to investors in the form of a dividend. Much of Apple stock is owned by non-1%ers and they all now have a sweet check for thousands of dollars (on average) in their mailbox due to evil corporate America."


"This is a fascinating question.  I am posting here only a partial answer because I haven't found official sources.  The upshot appears to be that a Puerto Rico IRA is a wholly different thing from a US IRA, and different rules apply.  This is said most succinctly in this post on the Boglehead forums: US federal tax code and Puerto Rican tax codes are separate. By contributing to a U.S. IRA, you defer US taxes. You need to pay these deferred US taxes, and take an early withdrawal penalty too, if you want to move the asset to PR. Other web pages give similar information, for instance, this post from ""Accountant Forums"": The Puerto Rico (PR) Internal Revenue Code (IRC) defines a Puerto   Rico IRA (I am assuming that this taxpayer has a PR IRA.). It is   unfortunate that they chose to use the same name as the US IRC   uses. A PR IRA is not a US IRA. It has different tax rules. In   addition, the US IRC defines an IRA as being ""a trust created or   organized in the United States."" The US IRC (Sec. 7701) defines   the United States as being the 50 states and the District of   Columbia. The Bogleheads thread also contains a link to a document from a Puerto Rican CPA school which appears to be a FAQ, and says (translated here from Spanish): Thus, any distribution from an IRA established in Puerto Rico does not qualify to be transferred to an IRA established outside Puerto Rico without the imposition of penalty and/or payment of corresponding income tax.  In the same way, the transfer of an IRA established outside Puerto Rico to one established in Puerto Rico also does not qualify as a transfer. It is not clear whether the exact meaning of ""transfer"" (given as either ""transferencia"" or ""traspaso"" in the document) corresponds to the US usage of IRA transfers (i.e., nontaxable events); some information I found indicates that the end of the quote above might be translated as ""does not qualify as a rollover"".  In any case, it seems that moving an IRA to or from Puerto Rico at least potentially has tax consequences.  There is also a previous question on this site which likewise says ""You cannot transfer or rollover an IRA that was established in PR to USA and vice versa"". These are not exactly authoritative sources, but they all seem to point towards the same conclusion, namely that you won't be able to avoid taxation on your IRA by moving to Puerto Rico.  Of course, I am no expert.  To be sure, you would have to talk to an accountant versed in the tax laws of both Puerto Rico and the incorporated US (and probably also whatever state you'd be moving from, to be on the safe side.)"


I think you're missing several key issues here. First for the facts: IRA contributions are $5500 a year maximum (currently, it changes with inflation), i.e.: you cannot deposit $10K in an IRA account in a single year. IRA withdrawals can only be made if you have something liquid in the IRA. You cannot withdraw from Lending Club IRA unless you manage to sell the notes currently held by you there. Roth IRA is funded with after-tax money, and you can withdraw your deposits in Roth IRA any time for any reason. No 10K limit there, only limited by what you deposited. However the main thing you're missing is this: You can withdraw up to $10K from your IRA for first home purchase without penalty. Pay attention: not without tax but without penalty. So what is the point in depositing $10k into IRA just to withdraw it the next year?


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"I'd recommend hitting the loan the hardest, but getting something invested as well. It's tempting to see these decisions as binary, so it's good to see you wondering if a ""mix"" is best.  I admit to being a spreadsheet junky, but I think this is a good candidate for working up various scenarios to see where the pain/pleasure point is and once you've identified it, move forward with it (e.g., let's say it's a 10K lump sum you're dealing with, what does 5k on the loan and 5k invested look like over the next 6 months, 12 months, 24 months (requires assumptions on investment performance)? What about 6K loan, 4K invested? 7K loan, 3K invested? etc)"