You assume that only the state can create those things or provide them. I challenge that view. The state is nothing special it is only a service provider in a space that many could be offering services in if there wasn't an artificially created monopoly on those services. Your god didn't create those things and should not have a monopoly on them.


No.  Revenue is the company's gross income.  The stock price has no contribution to the company's income.  The stock price may be affected when the company's income deviates from what it was expected to be.


See if any of the funds they offer are index funds, which will generally have MUCH lower fees and which seem to perform as well as any of the actively managed funds in the same categories.


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The easiest way to get started on a budget is just to track where you spend your money. If you have set bills each month I would make a category for each of those to make sure you have enough to pay. You can try and split up the remaining income into categories but the easiest way to start is just to track your spending for a month or two. This gives you a birds eye view of what is actually realistic. Start with that total as your preliminary budget and then adjust as you go along to meet other financial goals. We use neobudget.com for tracking our income.


"I also don't know the specific details for Finland and/or Belgium, however many countries have tax treaties, which generally prevent double taxation (i.e., paying tax in both countries on the same base income). Being that both Finland and Belgium are EU member states, I'm quite certain there's a provision that covers this, and the same would apply: You pay taxes on what you earn while in Finland to Finland, and to Belgium what you earn while in Belgium. All of this is similar to what you presented, however there's also a section where you'd declare how much taxes were paid in other countries. One other thing to note, which will be the determining factor in the above, is whether EU law requires you to change residence to BE for the time you're there. If not  then you'll be paying taxes in Finland the entire time on the entire amount. This comes from an Irish governmental site: ""By working in another member state and by transferring your residence there, you are likely to become ""resident for tax purposes"" there. The definition of fiscal residence varies from one member state to another. You must comply with the laws of the country where you have established your residence. The laws on personal taxation vary considerably from one member state to another and you may be liable for taxation in more than one country. In general, you are subject to income tax in the country where you are living but this may not be the case if you are a “posted worker” – see below. In general, property is taxed in the country in which it is situated but, again, there are variations. Tax agreements have been concluded between most of the member states of the EU, which are intended to avoid double taxation, if you derive income from different countries. In general, national fiscal rules must respect the fundamental principle of non-discrimination against nationals of another EU country."""


The credit card company isn't the one losing money here. It's the airline. The airline credited you back twice (once with the fraud report, once with the credit from the thief). Maybe you should call them if you want it resolved sooner. In any case, if/when they do come looking for their money, they will have the paperwork to prove that it belongs to them.  You can spend the money now and risk paying it back later, you can watch and wait, or you can be proactive and ask the airline to fix it. They may or may not care about that sum.


> it makes US investments even better because the rate of return gets boosted higher.  Except it doesn't.    Do they really teach this?  Does anyone have a link to textbook thinking on this subject, because that's a blatant lie and might explain why so many people understand the dynamics at work here completely wrong.


"I've been taking all the cheap fixed-rate debt banks would like to give me lately. What Rate? In practice I find the only way I get a low-enough rate on a longish-term fixed-rate loan is to use collateral. That is, auto loans and home loans. I haven't seen any personal loans with a low enough fixed rate. (Student loans may be cheap enough if they're subsidized, I guess.) Here's how I think of the rate: If you look at https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations , the average annual return on 80% bonds / 20% stocks is 6.7%, with worst year -10.3%. That's a nominal return not a real return. If you subtract taxes, say your marginal rate (the rate you pay on your last dollar of income) is 28% federal plus 5% state, then if you have no tax deferral the 6.7% becomes about a 4.5% average, with reasonably wide variation year-by-year. (You can mess with this, e.g. using tax-exempt bonds and tax-efficient stock funds, etc. which would be wise, but for deciding whether to take out debt, getting too detailed is false precision. The 6.7% number is only an average to begin with, not a guarantee.) Say you pay 4.5% on a loan, and you keep your money in very conservative investments, that's probably at least going to break even if you give it some years. It certainly can and sometimes will fail to break even over some time periods, but the risk of outright catastrophe is low. If your annual loss is 10%, that sucks, but it should not ruin your life. In practice, I got a home loan for close to 4.5% which is tax-deductible so a lower effective rate, and got an auto loan subsidized by the manufacturer for under 3%. Both are long-term fixed-rate loans with collateral. So I was happy to borrow this money paying about a 3% effective rate in both cases, well below my rough threshold of 4.5%. I do not, however, run a credit card balance; even though one of my cards is only 7% right now, 7% is too high, and it's a floating rate that could rise. The personal loans I've seen have too-high rates also. Thoughts Overall I think using debt as a tool requires that you're already financially stable, such that the debt isn't creating a risky situation. The debt should be used to increase liquidity and flexibility and perhaps boost investment returns a bit. Where you're likely to get into trouble is using debt to increase your purchasing power, especially if you use debt to buy things that aren't necessary. For me the primary reason to use debt is flexibility and liquidity, and the secondary ""bonus"" reason is a possible spread between the debt rate and investment returns."


They are looking at your work history to see that you have maintained a similar level of income for a period of time, and that you have a reasonable expectation to continue that for the foreseeable future. They are looking to make a commitment for 15-30 years. They see the short term contract, and have no confidence in making a guess to your ability to pay. Before the real estate bubble burst, you would have had a chance with a no documentation loan. These were setup for people who earned fluctuating incomes, mostly due to being commissioned based. They were easily abused, and lenders have gotten away from them becasue they were burned too often. Just like building your credit rating over time, and your down payment over time, you might have to wait to build a work history.


There is a number of cheaper online options that you could use. TranferWise was already mentioned here. Other options i know are Paysera or TransferGo. They state that international transfers are processed on the next day and they are substantially cheaper than those of banks. Currency exchange rate is usually not bad.


Either you use absolute standards to calculate poverty or you use relative standards. If you want to use relative standards it's an obscene argument, there will always be poverty. If you use absolute standards you cannot arbitrarily exclude the rest of the world. It's about purchasing power, not nominal incomes. You are discussing nominal incomes and using a relative standard of poverty. You mine as well just say 'I enjoy being unhappy about the world and have set forth to define the world in terms which make it impossible for me to be happy about it. Not trying to start an argument, that's simply economics. Not even saying you don't have serious and relevant gripes. But this article is not going to help present those issues in a way that they can be taken seriously. I would recommend reading some material on developmental economics. Become informed so you can define the argument in intelligible language.


The price for securities is negotiable.  You totally have a right to make a lower offer when buying or ask for a higher price when selling.    Securities don't trade at a fixed price, the price goes up and down throughout the day based on the price offers made by buyers and sellers and where they find agreement. If a stock last traded for $10, someone can put out an offer to buy the stock at $9.50, if they find someone who wants to sell and will accept that price, then a deal is made. unless something is falling rapidly in price however, an offer that far below the last price is not terribly likely to be accepted. Now if you want to be assured of making a sale or purchase, you generally trade 'at the market' and for small time players that is very much encouraged as it makes it easier for everyone.


so this is a loan for a house? a loan on a house? a new mortgage? you shouldn't just get a loan for the hell of it any time. interests rates are low because the yields on US treasuries have been pushed closer to zero, and thats pretty much that. the risk is on the bank that approves the loan, and not you. (your ability to repay should be truthful, but your payments are smaller because the interest is so low)


"Create an account called, say, ""Paycheck"".  When you get paid, create an entry with your gross income as a deposit.  For each deduction in your paycheck, create a minus (or expense) entry.  After doing that, what will be left in the Paycheck account will be your net income.  Simply transfer this amount to the real account your paycheck goes into (your checking account, probably). Almost all the time, the value of your Paycheck account will be 0.  It will be nonzero only for a moment every two weeks (or however often you get paid). I don't know if this is the standard way of doing it (in the professional accounting world).  It's a way I developed on my own and it works well, I think.  I think it's better than just adding a deposit entry in your checking account for your net income as it lets you keep track of all your deductions. (I use Quicken for the Mac.  Before they added a Paycheck feature, I used this method.  Then they removed the Paycheck feature from the latest version of Quicken for the Mac and I now use this method again.)"


> Actually, the thing they need is debt, not depositors money.  I was trying to explain how a bank could be a ponzi scheme.  But on second thought, even the example I provided is wrong.    Depositors are creditors to the bank.  Ponzi schemes are paying out returns to investors or equity holders and has nothing to do with paying out liabilities to creditors.  No matter how the bank sourced the assets, paying returns of interest to depositors (creditors) can't be deemed a ponzi scheme.


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Yeah, good luck to you dude. The way I see it is, I have absolutely zero chance of reaching my goals if I don't try. Can't focus on my poor academic history. Just need to keep improving myself to incrementally improve my chances.   Plus, the level of intellect required to succeed in IB should make community college a breeze. Since I have been focused on Finance I haven't been close to receiving a B. You should kill it.


It's not that they don't want to pay it, it is that there is now an economic incentive to do it. People can no longer be turned down because of a preexisting condition.   That means that I should wait until I break my arm to sign up for insurance. Then once it's better I should cancel it again. That is simply what makes sense economically. Only people who are sick need insurance if sick people cannot be turned down


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You're the only one that knows what's going on. But in GA they are having problems getting permission to just tear down unmaintained vacant properties.  http://www.walb.com/story/15552236/dilapidated-dougherty-co-homes-may-be-demolished  http://decatur.11alive.com/news/news/139681-dekalb-county-fix-dilapidated-houses  (I had another story in mind but I don't know the right keywords to find it, basically someone abandoned a house years ago and people have been trying to find the owner, because they can't get rid of it and the property values are going down.)


Stock price is determined by what's being asked for it, and what's being paid for it. The reported price is either a recent average, or is the last price at which a sale actually took place, depending on which you've asked for. Limit orders are an agreement between you and your brokerage, and have no direct effect on price. When and if their condition is triggered and the transaction takes place, the transaction is what's significant.


How do I direct deposit my paycheck into a high yield financial vehicle, like lottery tickets? And can I roll over my winnings into more lottery tickets? I want to wait until I have a few billion before touching it, maybe in a year or two.


It's a lot easier to trade a contract based on the forward value (a futures contract) of some commodity, than say constantly trade & deliver 1000 barrels of crude oil.   Along those lines, it's also easier to trade an option on the forward value than it is an option on the actual commodity, especially if you have the ability to exercise the option


"Finally, I got response from finance center:  ""It doesn't matter where do you study, what does matter is where you   live. So, once you live in Germany, you pay taxes in Germany. And   it doesn't matter who you work for."" So, there are two options to pay taxes: it's paid by an employer or an employee: If I would work for Swiss company, I need to show how much money I make every month (or year) to Finance Center."


"Scumbag n2deep:       Accuses others of not really knowing about someone's true nature          Says you're just as bad as everyone else       So, do you get royalties from Merriam Webster for your portrait next to ""Hypocrite"" on page 378, or is it a Creative Commons kinda thing?"


Your investment is probably in a Collective Investment Trust. These are not mutual funds, and are not publicly traded. I.e. they are private to plan participants in your company. Because of this, they are not required* to distribute dividends like mutual funds. Instead, they will reinvest dividends automatically, increasing the value of the fund, rather than number of shares, as with dividend reinvestment. Sine you mention the S&P 500 fund you have tracks closely to the S&P Index, keep in mind there's two indexes you could be looking at: Without any new contributions, your fund should closely track the Total Return version for periods 3 months or longer, minus the expense ratio. If you are adding contributions to the fund, you can't just look at the start and end balances. The comparison is trickier and you'll need to use the Internal Rate of Return (look into the XIRR function in Excel/Google Sheets). *MFs are not strictly required to pay dividends, but are strongly tax-incentivized to do so, and essentially all do.


Coinciding with a complete turnover of ocean currents since the industrial revolution started. The ocean has been saturated with CO2 which has been absorbing it like mad for the last 200+ years. Now the water that was on the surface during the industrial revolution absorbing CO2 has gone down to lower underwater currents, flowed back to the start of the current, and popped back up at the surface. It isn't fresh clean water that can absorb more CO2, it is already saturated. This is were most of the 'missing' climate change has gone, into carbonating the water. Now it is being oversaturated with the combined effects of making the ocean more acidic and less fit to support life. We should be seeing CO2 levels rise exponentially the next couple decades above what we have in the past with similar CO2 output levels, there aren't as many places left for it to go.


The manufacturing world generates enough RFQ's that you can survive off of a professional looking website, good SEO, and a solid Google Maps listing. Make it easy to be found and the customers throw themselves at you, it's pretty amazing in my experience.


"Google Finance certainly has data for Tokyo Stock Exchange (called TYO on Google) listings.  You could create a ""portfolio"" consisting of the stocks you care about and then visit it once per day (or write a script to do so)."


It is difficult to actually 'answer' your (or any other) investment question as investment outlook and objectives are different from one individual to another. I shall put down some of my thoughts and probably you shall be able to factor them in while you take your decision. As for your last paragraph, in general from investment perspective, the younger you are more kisk you can take and bond gives a stable base to a portfolio. One good way to estimate the proportionality of bond:stock is (your age):(100-your age). However for 2-3 years you could ignore the above and invest in good quality stocks for long term.


First step is determine how much equity is in the car (positive or negative). Then for your car payments has that been paid out of money that has already been split or is it from a pool that is still to be slit. If the later, then it is irrelevant to this discussion since it was from a joint pool. If the money has already been split then adjust her half of the equity in the car by what you have been paying an make her that offer for her half of the car.  I recommend showing her the calculations so as to explain how you came with what she is owed and then let her make a counter offer.


I think this could be a even bigger problem for us since dollar is not just the international curreny for oil but for like mostly everything. This trend could be pushed by china and russia for other stuff to which is terrible for US.


He didn't say that. He said he disagrees with people who condone hate and posted a video about it on Face Book. I like Marcus and think he has a good head on his shoulders but he should have kept his head out of this battle for sure.  edit: bot grammar checked me.


"Is it really all that much for me to ask that exchanges not be complicit in my 401k being front-run? I really don't get how you can argue it's a good thing. I guess I should instead be mad at the my 401k management firm for not dragging their own private fiber networks and allowing my 401k to get shaved by ""smarter"" traders that do. You're ridiculous."


You already received a tax deduction, more or less, as you didn't pay tax on this income. Beyond that, no; the money is lost if you don't spend it.  See this explanation for example, among many others; it's specific to FSA, but they work generally the same way. To go into a bit more detail, read the IRS publication on the subject; basically, what's happening here is that you're receiving a fringe benefit, rather than salary.  So yes, you agreed to voluntarily reduce your salary by $255 or whatever per month in exchange for funds in this account. As such, they're nontaxable, which both your employer and you find helpful; but the downside is it's not really your money - it's a fringe benefit.  Nice that it's tax free, and dissimilar to a medical or dependent care FSA, it doesn't have an expiration date; but it does go away when you leave your employer, and you don't get it back.  It's money you never had.


So you're expecting people to go in debt getting a degree for jobs that don't require an advanced education and will not likely pay enough for them to pay off their student loan debt. That in the words of the author of this article is just plain dumb.


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> That power is going to shift to Europe and East Asia where education isn't treated as a commodity.        In those countries, not everyone gets into college.  So for those that do, the degree is worth something.        The concept of blocking a child from going to college because their grades are just average, is foreign to US culture.   Then these average students get a mountain of debt, and a degree that won't take them anywhere.   As a foreigner in the US, it feels cruel to me.   But in my country, only the top 30-40% of high school students academically can gain entry to college.   All others must look for a different path (community college, trades, etc).


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I love it. Knew this guy for an impostor when he first came to presidential popularity. The sheep followed each other and flocked to their red blooded savior out of ignorance. Unfortunately, though I hope they all received the consequences for their idiocy, it will most undoubtedly effect me as well.  fuckers


"With these income levels you cannot deduct any IRA contribution. I.e.: you cannot save pre-tax, as you want. But you still can contribute to IRA (as a non-deductible contribution), and using the ""loophole"" transfer the contribution to Roth (you are probably over the limit to be able to contribute to Roth directly). For pre-tax contributions - max out your 401k."


Alternative: buy a recent-model used car in good condition. Or buy an older car in good condition. Let someone else pay the heavy depreciation that happens the moment you drive a new car off the dealer's lot.


Absolutely this.  Encouraging education is good.  Encouraging education by offering private institutions blank checks someone else (the student) is responsible for paying down is bad.  At this point, regulate the price of college tuition, and make federal student loans federal student grants.


"A ""market maker"" is someone that is contractually bound, by the exchange, to provide both bid and ask prices for a given volume (e.g. 5000 shares). A single market maker usually covers many stocks, and a single stock is usually covered by many market makers. The NYSE has ""specialists"" that are market makers that also performed a few other roles in the management of trading for a stock, and usually a single issue on the NYSE is covered by only one market maker.  Market makers are often middlemen between brokers (ignoring stuff like dark pools, and the fact that brokers will often trade stocks internally among their own clients before going to the exchange).  Historically, the market makers gave up buy/sell discretion in exchange for being the ""go-to guys"" for anyone wanting to trade in that stock. When you told your broker to buy a stock for you, he didn't hook you up with another retail investor; he went to the market maker. Market makers would also sometimes find investors willing to step in when more liquidity was needed for a security. They were like other floor traders; they hung out on the exchange floors and interacted with traders to buy and sell stocks. Traders came to them when they wanted to buy one of the specialist's issues. There was no public order book; just ticker tape and a quote. It was up to the market maker to maintain that order book.  Since they are effectively forbidden from being one-sided traders in a security, their profit comes from the bid-ask spread. Being the counter-party to almost every trade, they'd make profit from always selling above where they were buying. (Except when the price moved quickly -- the downside to this arrangement.) ""The spread goes to the market maker"" is just stating that the profit implicit in the spread gets consumed by the market maker. With the switch to ECNs, the role of the market maker has changed. For example, ForEx trading firms tend to act as market makers to their customers. On ECNs, the invisible, anonymous guy at the other end of most trades is often a market maker, still performing his traditional role. Yet brokers can interact directly with each other now, rather than relying on the market maker's book. With modern online investing and public order books, retail investors might even be trading directly with each other. Market makers are still out there; in part, they perform a service sold by an Exchange to the companies that choose to be listed on that exchange. That service has changed to helping tamp volatility during normal high-volatility periods (such as at open and close)."


That's an interesting take, but I insist that their real wealth situation is better than ours because of the consistent positive infusion of foreign wealth from superior physical exports  > I want to emphasize here that the printing press isn't some magic fountain of real wealth.  That's the argument you've been supporting this entire time!!! Nice pivot, man  >: [


Obviously, you should not buy stock when the option is to pay down your debt. However, your question is different. Should you sell to reduce debt. That really depends on your personal situation. If you were planning to sell the stock anyway, go ahead and reduce your loans. Check out how the stock is doing and what the perspectives are. If the stock looks like it's going down, sell... Do you have savings? Unless you do, I should advise to sell the stock at any rate. If you do have savings, are they earning you more (in percentage) than your loans? If they are, keep them...


> Personally, I've avoided those sellers on Amazon because I know I don't get the same level of service I expect from Amazon  Previously you as a consumer had that choice. You could pick the vendor a better return policy, or you take a gamble on the vendor with a potentially cheaper price or better shipping. With the new policy your choices are reduced.  As marketplace businesses most likely will have to increase prices to compensate for return losses, there will be less competitive price pressure on Amazon. It can only serve to incrementally increase prices across the board.


Oh God . .please let this happen on live TV   Imagine the ratings, it will make Mac Gregor vs May weather look like the local peep show.  Think of the revenue and the Good it will do the economy  and by the way, the title is misleading, it was  Fucking Moron


Humans are great apes and all great apes were tropical herbivores.  That means shelter and clothing was minimal, and we foraged (not hunted, we're not really built for it) for available food daily.  It's only when we move away from the tropical that life becomes a constant struggle rather than an intermittent one.


That is a desirable model so I doubt you could get it into the low 30's. Also you mentioned you want it optioned out. That would also reduce the leverage you have in the negotiation. Look at True Car to find out what you'd actually be paying. You will either get the car you want or the price you want.


"No, but it's serving the same purpose, which is to hide the original origin of a sum of money. Both examples involve moving money from one source to another, when both the source and the sink are in actuality the same entity managed and run by the same people. Both involve doing it in order to hide the money from those who would otherwise have a right to a portion of it. In this case, it is those with a right on the ""net"". In Starbucks UK, it's the UK government."


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First, let me say that you have to take everything your agent says with a grain of salt. Freakonomics had a great article that discussed the math behind the motivation of the real estate agent.  It described the home seller, trying to get, say $400K. On a 6% commission, the $24K is destined to be split between seller realtor office and buyer's realtor's office. The selling agent gets $6,000 (or so) in the end. As a seller, if I settle for $380K, my realtor is only out $300, netting $5700. But $20K lower sale price, and I just lost nearly $19K after commission is paid.  The agent would have the natural goal of volume, not extracting the last dollar from the buyer. Gaining back the last $20K to the seller will cost the realtor far more than $300 in her time, keeping the house on the market and waiting for the better offer.  Sellers might use down payment as one way to estimate the probability of the financing falling through, but it's a rough estimate at best because, in the case of bank financing, the bank needs the same time to run through the paperwork for a 3% down or a 20% down. It's just as easy for the buyer to qualify or not qualify for one loan or the other. There are young couples with great incomes and no debt, who blow away the required ratios for proposed debt to income, but haven't saved up the otherwise huge 20% downpayment. Then there are those who have saved for years, even having 30% to put down, but their income is still not going to qualify them. The offer will be contingent on the financing, regardless. It will show that you are putting $XX dollars as a downpayment, and the final transaction is contingent on your bank approving you.


"That's a lot of manual checking-in to see if everything is performing the way you ""want"". Not to insult your intelligence, but that is not your job, and doing that on a monthly basis is going to eat a lot of time. Plus, most 401(k) programs have lockout periods wherein changes can't be made without incurring additional fees (related to distributions, etc). And if you're checking that often, you are [likely] losing the benefits of investing in mutual funds to start with. If you have the stomach to handle the risk, go for the high-risk investment vehicles early in your career - you can afford a 30% drop this year if you then make 105%, 15%, or 50% back each of the next 5. If, on the other hand, you're in your mid-career, switch to more conservative management tactics."


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Rent should be nailed to costs + a pre-defined profit limit. Anything above the profit margin gets taxed away.  Instead, people are gouged of a good portion of their incomes while landlords make out like bandits.  Although I imagine the response to such a scheme would just be convoluted accounting tricks.


"It is quite blatantly an excuse, given that there has been substantial wage growth when government was large and substantial wage stagnation when government was small.  While the two are not quite entirely correlated, the association exists well enough to contradict the predictions of Austrian ""economics""."


Didn't realize there was so much vitriol in the company. (via first link in article to Brad Reese's blog: http://www.bradreese.com/blog/8-7-2014.htm).  Kind of reminds me of HP during the Carla Fiorina days. HP in my opinion started their downward spiral around that time. Especially after they ousted the HP families.


> I believe transparency when it comes to our food is important.   Totally agreed. Here's my amateur solution:  All food companies are required to have the answers to a set of questions available, via email or website, phone, or standard mail. Those questions are determined by a combination of independent panel and consumer polling. What those questions are may change over time, allowing for a reasonably generous grace period for the companies to prepare.  For example, if consumers really have to know what GM ingredients are in their food, for whatever (asinine) reasons, then fine. Require the company to answer. If consumers really want to know what color shoes the workers wear, then so be it.  I also think we need a series of third party organizations, rather than the USDA Organic system we have. What's acceptable and what isn't is super arguable, and rather than just taking the standard that exists (which IMO is not meaningful), folks can choose which standard they wish to head. Combined with the mandated transparency above, this would lower costs by removing the need for active investigation, and lead to more informed decision making on the part of the consumers.


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I don't like going to the movies, therefore everyone should stop going to the movies.  What a ridiculous notion. Maybe everyone should stop listening to music, watching tv shows, playing video games and reading books? Or do you only support boycotts of easily copyrighted and easily pirated media that you already don't consume (ie. blockbuster films) that way you can feel self righteous about your valiant efforts of denying consumerism without actually doing anything different or making any conscious effort at all to change your own lifestyle while mandating that all others change theirs?  Thanks, by no thanks. I'd rather pay 15 bucks to see David finchers remake of a girl with a dragon tattoo and another 15 for Christopher Nolan's dark knight rises so that these talented directors can continue to have the financial resources to further push the envelope of high budget cinematic achievements (that i consider as art).


Free Wire Transfers You get better deals on wire transfer fees from brokerage firms and mutual fund companies. Vanguard doesn’t charge a wire transfer fee if the amount of the wire is over $5,000; the fee is only $5 if the amount is between $1,000 and $5,000. Fidelity doesn’t charge a wire transfer fee if your total household balance at Fidelity is above a certain amount ($15 otherwise). Schwab gives you three free domestic wire transfers per quarter if your total household balance at Schwab is above a certain amount ($25 otherwise). Incoming wires are free at Vanguard, Fidelity, and Schwab. Business checking accounts sometimes get free wire transfers. For example you get 10 free wire transfers every month (5 incoming, 5 outgoing) with HSBC’s free no-minimum-balance Business Direct checking account. Some premium level personal checking accounts also give free wire transfers. For example if you have Premier Checking at Northwest Federal Credit Union ($50,000 minimum balance or $10 monthly fee), you get free outgoing domestic wire transfers. The Vanguard information in that article appears to be dated: they seem to allow free outgoing wire transfers without caveat even from the minimal, fee-free account. I am aware of PNC's Performance Select checking account, which allows unlimited free domestic wire transfers. The fee for this account is $25 per month, which would be around $5 per weekly transfer. Alternatively, the fee is waived if you maintain a $5000 minimum balance or $5000 direct deposit.


"There's a reason that you get a discount code: to make you feel like you're getting a deal. A deal is what you get when there was something that you were already going to buy, and you got it for a lower price than you were going to originally spend on it. If you learn to look at ""rewards"" as a marketing ploy that is designed only to get your business, then it's easier to ignore them. But if you really do want a thing, and is is a thing that you are going to use, then by all means, go for it! Buy it, and use those rewards and enjoy them. Otherwise you're just giving your money to someone else for no good reason. And if you want to do that, you should just give it to me. At least I'm honest about it :)"


"In my opinion, you can't save too much for retirement. An extra $3120/yr invested at 8% for 30 years would give you $353K more at retirement.  If your ""good amount in my 401k"" is a hint that you don't want us to go in that direction, then how about saving for the child's college education? 15 years' savings, again at 8% will return $85K, which feels like a low number even in today's dollars, 15 years of college inflation and it won't be much at all.  Not sure why there's guilt around spending it. If one has no debt, good retirement savings level, and no pressing need to save for something else, enjoying one's money is an earned reward.  Even so, if you want a riskless 'investment' just prepay the mortgage. You'll see an effective return of the mortgage rate, 4%(?) or so, vs the .001% banks are paying. Of course, this creates a monthly windfall once the mortgage is paid off, but it buys you time to make this ultimate decision.  In the end, I'd respond that similar to Who can truly afford luxury cars?, one should produce a budget. I don't mean a set of constraints to limit spending in certain categories, but rather, a look back at where the money went last year and even the year before that. What will emerge are the things that are normal, the utility bills, tax bill, mortgage, etc, as well as the discretionary spending. If all your current saving is on track, the investment may be in experiences, not financial products."


Canine Dimensions Dog Training in Northern Virginia--To properly train a dog usually requires professionals to help you do it the right way. Dog training is a great way to have your dog behave, listen, get along with others, and become obedient. With the right dog training from Canine Dimensions you will be able to enjoy your dog for the rest of your life.


If this is a publicly traded company, I'd be thinking the shareholders should take a long hard look at this.  This is a man who hates his employees more than he likes money.  A spite-based decision is obviously going to be inferior to a money-based decision.  And shareholders want money.


One approach would be to create Journal Entries that debit asset accounts that are associated with these items and credit an Open Balance Equity account. The value of these contributions would have to be worked out with an accountant, as it depends on the lesser of the adjusted basis vs. the fair market value, as you then depreciate the amounts over time to take the depreciation as a business expense, and it adjusts your basis in the company (to calculate capital gains/losses when you sell). If there were multiple partners, or your accountant wants it this way, you could then debit open balance equity and credit the owner's contribution to a capital account in your name that represents your basis when you sell. From a pure accounting perspective, if the Open Balance Equity account would zero out, you could just skip it and directly credit the capital accounts, but I prefer the Open Balance Equity as it helps know the percentages of initial equity which may influence partner ownership percentages and identify anyone who needs to contribute more to the partnership.


The one thing we know for certain is that holding large amounts of cash isn't ideal - inflation will eat away at your wealth. It's understandable that you're hesitant to put all your wealth in common stock. The S&P 500's price/earnings is 18.7 right now - a little high by historical standards. But consider that the S&P 500 has given a CAGR of approximately 10% (not inflation-adjusted) since 1970. If you don't time the market correctly, you could miss out on considerable gains. So it's probably best to invest at least a portion of your wealth in common stocks, and just accept the risk of short-term losses. You'll likely come out ahead in the long run, compared to an investor who tries to time the market and ends up holding cash positions for too long. If you really think US stocks are overpriced, you could look at other markets, but you'll find similar P/Es in Europe and Japan. You could try an emerging market fund like VEMAX if you have the risk tolerance. Let's say you're not convinced, and don't want to invest heavily in stocks right now. In the current market, safe cash alternatives like Treasury bills offer very low yields - not enough to offset inflation tax. So I would invest in a diversified portfolio of long-term bonds, real estate, maybe precious metals, and whatever amount of stock you're comfortable with.


How the ruddy hell can a business keep on reporting increase in profits year over year, especially an entity like mcdonalds in a field like fast food. Deeply entrenched in a fast paced competition, and yet stable with its universal brand recognition. Unless you expand into fringe markets like infant fast food or some bizarre explored stuff like that.


The information on GOOG or other sites is the average price of the stock and is indicative of the price at with the stock would be available. The actual trades happen at different values throught the day ...  So the prices are good for most purposes and if you need the exact prices, you can thne decided to log into you trading terminal and get the actual quotes   This is similar to FX quotes or any other such quotes and give you a general sense


Posting professional links to contact a congressman or the CEO of some company is probably fine, but don't post anything inviting harassment, don't harass, and don't cheer on or vote up obvious vigilantism GO ON AND ASK A BANKER, ASK ANY OF EM GUARANTEED CONTACT INFORMATION. AS HIGH AS IT GETS. HOME ADDRESSES AND #s  http://www.contact-the-ceo.com/bank-of-america-ceo.html   http://www.contact-the-ceo.com/bank-of-america-ceo.html   http://www.contact-the-ceo.com/bank-of-america-ceo.html   http://www.contact-the-ceo.com/bank-of-america-ceo.html


Net neutrality has nothing to do with whether or not the NYT is allowed to charge you for a subscription.   It's about making sure that ISPs can't charge you more for the privilege of accessing the NYTimes instead of using the news sites they control or choose to allow for free.


A few years ago, I did something like this at a Wells Fargo; I realized I could put money into an IRA a few days before 4/15, and was able to walk in to the main branch and do the whole thing in under an hour.


There are many financial reasons why a bank would not want to allow this. While making a note of them does not answer your question, I think it's important to note why traditional CD products do not allow such contributions. Below are two reasons. If a bank wanted to offer such a product they could hypothetically create mechanisms to account for the above And guess what these types of accounts exist ... they are called savings accounts. They allow regular deposits, but often have variable interest rates, charge fees if you don't make regular deposits, or offer interest rates below a typical CD. Note you say you understand what a CD ladder is, but you haven't explained why you don't want to do it. It sounds like what you want is the convenience of a savings account but with the higher interest rate of a CD. Unfortunately, you have to give up a bit of interest if you want this convenience.


There could be worse ideas.  You could keep shoveling money at things that haven't worked.  It's not that far from Chicago; the shores of Lake Michigan (Michigan side, obviously) are already a top weekend getaway spot for Chicagoans.  I wish them luck -


"This is the best tl;dr I could make, [original](http://www.reuters.com/article/us-britain-economy-idUSKBN19U11N) reduced by 79%. (I'm a bot) ***** > LONDON The chances of Britain&#039;s economy picking up steam diminished further on Monday as surveys showed major companies have curtailed their investment plans and that consumers spent less on their credit cards.  > The survey&#039;s findings have proven a good predictor for the BoE&#039;s own investment intentions survey which BoE officials watch closely as part of their monitoring of Britain&#039;s economy.  > Rate-setter Michael Saunders said last week he was &quot;Reasonably confident&quot; that an improvement in exports and investment would more or less offset the consumer slowdown.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6mkilz/big_uk_firms_curtail_investment_plans_consumer/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~164319 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **survey**^#1 **BoE**^#2 **investment**^#3 **Deloitte**^#4 **year**^#5"


Brinker Creek. Located 3 miles west of Highway 131 and southwest of Yampa. Hunting unit 26, timber consists of oak and Aspen. Has irrigated hay meadows. Good elk and deer hunting, this lease also has antelope. Lodging consist of excellent log cabin, that will sleep 6. Furnished. Has Brinker creek running through the property for two and a half miles, excellent fishing in the area. Very close to Routt National Forest. Has landlocked BLM on it. Has ridges and Aspen bottoms, with a  8 differ drainage running through it. http://www.coloradoprivateranches.com/a/lease-2-brinker-creek-ranch-g-five-2-2800-per-hunter-.html


I would suggest that oil stocks are going down due to reduced earnings predictions.  The market may go too far in selling off oil and oil-related stocks.  You may be able to pick up a bargain, but beware that prices may continue to fall in the short to medium term.


"Well, perhaps ""have a dedicated tax advisor"" is an answer then. I   wouldn't have thought of this, as it's not specifically about   taxation, is it? Or more broadly ""consult with a dedicated   professional for the situation in detail""... Yes, that is the only real answer you can get. Anything else will vary between highly localized to entirely incorrect. Pensions are rarely defined benefit anymore, and not many countries still keep state-sponsored defined benefit pension plans. For most, what's left is Social Security system, which is in no way a pension. This is an insurance, and is paid as tax which is rarely refundable (but you won't always have to pay it if you're a foreigner in the country). Usually, Social Security benefits are only available to citizens and (/or, in some rare cases) residents of that country. So it is unlikely (although possible) that you'll benefit from social security payments of more than one country. Some countries have totalization treaties that make your social security payments in one count in the other. If you're in a country that has such an agreement with the Netherlands - you're lucky. Your personal pension savings are basically tax-deferred investment accounts. But tax deferral in one country doesn't necessarily work in another. In the US you have 401k or IRA accounts, but in your own country they may very well be taxable. So you gain the tax deferral in the US, but if your own country taxes them - you lost the benefit, and you will still have to abide by the US tax rules when taking the money out. If you don't plan properly you can easily be hit by double taxation in such cases. Bottom line, you need to plan your pension savings on your own, privately, with a good and solid tax advice (and pension planning advice) that would be relevant to all the countries that you are tax resident at at any given time (you can easily be resident for tax purposes in more than one country). These advisers have to take into account the laws of the countries involved, the tax treaties between themselves and between them and the country of your citizenship,  and the future countries you're planning on visiting or getting old at. Its complicated, and most likely you won't be able to predict everything, especially because the laws and treaties tend to change over time."


I saw this 9 days ago, then saw this on shark tank a few days ago.   Shark Tank - Worst Pitch Ever #3 - Tycoon Real Estate https://www.youtube.com/watch?v=eP7BWMLHjOk   Googled Tycoon, and it looks like they sold out. Anyways, thought I'd share.  upequity


Is this a reasonable goal or will it be impossible to get a loan with   my almost non-existent income? I know I can put estimated rental revenue as income, but I'm not sure   if I would qualify. Banks typically only count rental income after you've been collecting it for two years, and at that point the banks will count 75% of it as income for loan qualification purposes.  You'd have to qualify for the mortgage without the potential rental income. Currently that means a 43% debt (including proposed mortgage) to gross income ratio. Even if you qualify, you have to be prepared to handle repairs, HVAC/water-heater could fail on day 1, and tenants have a right to withhold rent if some repairs aren't made. You also have to be able to weather non-payment/eviction of a tenant. You could find a co-signor, maybe go in on a house with a friend, but there are risks and complications that can arise there if a party becomes unable to pay, or deciding how to split equity and expenses.  If you had the income/capital to comfortably pull it off without tenants, then that'd be a great situation, college rentals tend to be lucrative (I'd recommend getting tenants with parental co-signers to reduce risk). If you qualify but would be in trouble quickly if one tenant stopped paying, or a major appliance needed to be replaced, then it's probably not worth the risk.


"The U.S. requires money transfer services to be licensed under 31 USC 5330 in addition to any applicable laws at the state level.  According to multiple sources online, including the thread referenced by MD-Tech's answer, OkPay either cannot or will not get a license, so they are out. I dug on this a bit more because I thought it was interesting, and OkPay has other issues with U.S. and other regulators related to its interaction with Bitcoins, which themselves are a hot potato for regulation right now and may explain the licensing problem.  It seems to also be facing regulatory pressure in other countries, by the way, so it's not strictly a problem they face in the U.S.  Just for whatever reason, the problem is greater here.  Some interesting summary points: With mounting pressure on online money exchanges from US regulators, payments processor OKPay has announced that it is suspending processing for all Bitcoin exchanges, including industry leader Mt. Gox. ... Earlier this month, the US Department of Homeland Security seized Mt. Gox's account with mobile payment processor Dwolla, on allegations that the account was in violation of US Code 18 USC § 1960 by operating an ""unlicensed money transmitting business."" Just where the Bitcoin market falls under US law is unclear, because the legality of Bitcoin transactions has yet to be tried in court and law enforcement has refused to comment on ongoing investigations, such as the Dwolla case. http://www.theregister.co.uk/2013/05/29/okpay_suspends_bitcoin_processing/ In March, the US Treasury said any firms dealing in the virtual currency would be considered ""money services businesses"" just like any other, which means they must hand over transaction information to the government and work to prevent money laundering. http://www.theregister.co.uk/2013/05/15/mt_gox_us_court/ In the UK, it apparently has also had trouble with banking partners (quoting a OkPay official regarding changing bank providers): The UK bank that we used before did not make a final decision on whether to handle transactions in favour of crypto-currencies or not. Therefore the compliance department of the bank asked us to restrict such transfers. This apparently allowed them to reverse a policy in the UK: OKPAY's policy shift comes just months after it stipulated that GBP users check a box, verifying that their funds would not be spent on cryptocurrency, a feature that further incited users. http://www.coindesk.com/okpay-gbp-bitcoin-transactions/ I hadn't heard of this company prior to your question, but having done some research, I tend to think that at least the part of this quote about language, attributed to a user, is true: OKPAY are quite paranoid about AML and another problem is that their support people seem to be very bad at English, so their replies are often hard to understand. Their support are also slow [sic]. However in my experience they are an honest company. I found at least one case where rumors that the entire company were going to shut down were traced back to a poorly translated message issued by the company. Again, I know only what I read just now about this company, but it looked like there were a few red flags - the problems with the US probably not being the most important.  This type of service is probably part of the future, but I'm not sure that I'd send money through it now in its current state or organization and regulation."


>At some point you can no longer take on more debt even if you wanted to. If global and domestic investors think you are going to be a risky investment then they cut you off.  The *issuer* of a currency can't be cut off from spending in the currency they issue.


First, if you haven't seen it yet, check out the IRS Taxpayer Advocate Service's I Don't Have My Refund page.  It discusses different things that can go wrong with receiving your refund and what to do about it. From your post, it sounds like you've tried all of the normal things to do, and you've tried calling in to the IRS.  What you might not know is that there are local IRS offices that you can visit and talk to a real person face-to-face.  Hopefully, you'll find someone helpful there who can either explain to you what is going on or put you in touch with someone who can help.  To find your local IRS office, go to the Contact Your Local IRS Office page and click on the Office Locator button.  Office visits are generally by appointment only, so you'll need to call the number for the office you want to visit and make an appointment. Alternatively, if you can't get anywhere with the IRS, you could contact the Taxpayer Advocate Service, which is an independent organization within the IRS that exists to help people with disputes with the IRS, and they have an office in every state.  You could try contacting them and seeing if they can help you with your issue. To answer your question about this year's tax return: At least for the federal return, your refund from last year does not really affect this year's tax return.  You should be able to file this year's return no matter what happens with last year's refund.  That having been said, you should get the refund matter straightened out as soon as you can. Good luck.


Agreed. A fair wage outweighs a tip every time (for the consumer anyway, not a guarantee for the worker).   The more services that can be had via an app that takes any of the worry regarding who to tip / how much out of the equation the better.


The CIA employs people to monitor tweets, not to delete them if it doesn't fit with the views of the Democratic Party, huge difference. I would be surprised if they didn't monitor tweets, its a huge amount of free and open information.   However, lots of sites, like youtube, have monitors like this to try to prevent copyright infringement, a much more disturbing parallel.


The reason they want the transaction to go through is because they make money that way. Remember the overdraft protection might incur a fee. If it does their experience may show them that the fee is a greater source of profit when balanced against the losses incurred because of insufficient funds. Even free overdraft transactions are limited. If they didn't want to make money they would have a way to make sure that multiple overdrafts in a short time window wouldn't require multiple protection events. Remember each time they transfer funds they only bring you to zero. As it is now the coffee you buy after putting money on your subway fare card might also trigger an overdraft transfer.


Only select items. First - I agree, beware the Goldfish Factor - any of those items may very well lead to greater consumption, which will impact your waistline worse than your bottom line. And, in this category, chips, and snacks in general, you'll typically get twice the size bag for the same price as supermarket. For a large family, this might work ok. If one is interested in saving on grocery items, the very first step is to get familiar with the unit cost (often cents per ounce) of most items you buy. Warehouse store or not, this knowledge will make you a better buyer.  In general, the papergoods/toiletries are cheaper than at the store but not as cheap as the big sale/coupon cost at the supermarket or pharmacy (CVS/RiteAid). So if you pay attention you may always be stocked up from other sources. All that said, there are many items that easily cover our membership cost (for Costco). The meat, beef tenderloin, $8.99, I can pay up to $18 at the supermarket or butcher. Big shrimp (12 to the lb), $9.50/lb, easily $15 at fish dept. Funny, I buy the carrots JCarter mentioned. They are less than half supermarket price per lb, so I am ahead if we throw out the last 1/4 of the bag. More often than not, it's used up 100%.  Truth is, everyone will have a different experience at these stores. Costco will refund membership up to the very end, so why not try it, and see if the visit is worth it? Last year, I read and wrote a review of a book titled The Paradox of Choice. The book's premise was the diminishing return that come with too many things to choose from. In my review, I observed how a benefit of Costco is the lack of choice, there's one or two brands for most items, not dozens. If you give this a bit of thought, it's actually a benefit.


Silver and gold are money. They always have been. When the Euro collapses (soon) and dollar inflation enters the steep part of the parabolic curve of death please remember this conversation. Please remember that by trying to look smart you didn't invest in gold and silver.


18% top line growth, and a resulting 22% increase in their bottom line (on a GAAP basis). Annualized revenues come in at $13.6b - assuming no seasonality in the summer months and stagnant growth.   This gives us an implied valuation multiple of ~5x estimated annual revenues, which, for a tech company blasting in popularity, isn't the worst we've seen in this environment.    I don't have enough details of what volume stock comp, scaling/infrastructure costs, and professional fees are driving the loss.  Maybe their cash flows from operations are solid, maybe not.  Regardless, the top line growth and operating leverage are impressive. My two cents.


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A matching pension scheme is like free money. No wait, it actually IS free money. You are literally earning 100% interest rate on that money the instant you pay it in to the account. That money would have to sit in your credit card account for at least five years to earn that kind of return; five years in which the pension money would have earned an additional return over and above the 100%. Mathematically there is no contest that contributing to a matching pension scheme is one of the best investment there is. You should always do it. Well, almost always. When should you not do it?


"SECTION | CONTENT :--|:-- Title | Jamie Oliver Shows School Kids How Chicken Nuggets are made Description | As part of his school lunches program, Jamie Oliver tries to take on the most stubborn kids. He decides to show them how Chicken Nuggets are made - by blending the skin and ""mechanically reclaimed"" meat. Length | 0:02:36           ****   ^(I am a bot, this is an auto-generated reply | )^[Info](https://www.reddit.com/u/video_descriptionbot) ^| ^[Feedback](https://www.reddit.com/message/compose/?to=video_descriptionbot&subject=Feedback) ^| ^(Reply STOP to opt out permanently)"


Can't really blame them. It's bad enough just trying to stay regional much less within the US. Levi's built a manufactoring plant in Haiti and just walked away from it without making anything. I wonder if the manufacturing could take place on an oil tanker traveling back and forth from India?


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/view/articles/2017-06-21/the-wrong-kind-of-entrepreneurs-flourish-in-america) reduced by 91%. (I'm a bot) ***** > In an influential 2014 paper, Thomas Philippon speculated that financial industry profits and salaries rose spectacularly since 1980 because banks, securities firms and fund-management companies found new methods for extracting rent.  > Big companies are shelling out increasingly big bucks for patents, just to shield them against competitors&#039; lawsuits.  > Some states forbid car companies from selling directly to buyers, while others protect credit-card companies by banning retailers from passing on swipe fees.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6j3gaq/the_wrong_kind_of_entrepreneurs_flourish_in/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~151063 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **company**^#1 **Rent**^#2 **big**^#3 **new**^#4 **government**^#5"


Good time to mention the US is also the only country (besides Eritrea) to tax citizens on their worldwide income *regardless of their residency.* And yes, this is very strongly enforced against Average Joes who happen to have dual citizenship but have lived in Canada or UK or what not for the past 30 years. Through FATCA they've coerced global banks to hand them account data on all US citizens.  Who knew a country borne out of a tax protest against an empire would become the most imperialist tax regime in the world?


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"There's an old saying:  ""Never invest in anything that eats or needs maintenance."" This doesn't mean that a house or a racehorse or private ownership of your own company is not an investment.  It just points out that constant effort is needed on your part, or on the part of somebody you pay, just to keep it from losing value.  Common stock, gold, and money in the bank are three things you can buy and leave alone.  They may gain or lose market value, but not because of neglect on your part. Buying a house is a complex decision.  There are many benefits and many risks. Other investments have benefits and risks too."


There are a few options that I know of, but pretty much every one of them will cost more than you want to pay in fees, probably.  You should be able to write a check/cheque to yourself.  You might check with your US bank branch to see how much of a limit they'd have.  You can also use a Canadian ATM card at a US ATM.  The final option would be to use a Canadian credit card for all of your purchases in the US, and then pay the bill from the Canadian bank account.  I don't recommend the last option because if you're not careful to pay off the bill every month, you're running up debt.  Also, it's hard to pay some kinds of expenses by credit card, so you'd want a way to have cash available. Another option would be to use a service like Paypal or Hyperwallet to send yourself the money.  Again, you'd be paying fees, but these might be cheaper than what the bank would charge. There may be other options, but these are the ones I'm aware of.  Whatever you choose, look carefully at what the fees would be, and how long you'd have to wait to get the money.  If you can plan ahead a bit, and take larger chunks of money at a time, that should help keep the fees down a bit.  I believe there's also a point where you start having to report these transfers to the US government.  The number $10,000 stick in my head, but they may have changed that recently.


"I love this part:  >...and that theft is being combined with consumer fraud…Consumers are purchasing these goods, they’re sending their credit card information to these anonymous offshore companies, and they’re receiving defective goods.  They try to turn it around to make it sound like they're on our side. ""We're fighting *for* you! We're trying to protect you from the bad guys!"""


When it comes to photographic representation of an art work, Geclee is one of the best methods. It is widely used today for display and decoration purposes. Geclee is popular for many reasons. If you have an art work that you want to display at your home or in an exhibition, then Geclee is the best option.


">No, virtually ever item in the CPI is adjusted using hedonics, which by definition can only be used to lower inflation, not adjust it up.  Wow. Just wow.  Let's analyze this:  >virtually ever item in the CPI is adjusted using hedonics  How does one apply hedonics to energy? There are so many items in the CPI basket for which this does not even make sense I don't know where to begin with such a blanket statement. [Here is how the BLS computes CPI](http://www.bls.gov/cpi/cpifaq.htm#Question_6). Note the categories, and that they currently track hundreds of goods in each of about 200 categories, totaling tens of thousands of goods. With a little digging you can find the weighting. [Here is the list of what they apply hedonic weights to](http://www.bls.gov/cpi/cpihqaitem.htm). It is a vastly smaller subset of all goods tracked, and the weightings makes them not affect overall CPI much *at all*. All the precise methodologies are listed on the BLS site, and you can track it all down. As stated below, someone has done the analysis (and there is a PDF on the site) and they obtained that incuding hedonic items affects inflation only by 0.005 percent per year.   >which by definition can only be used to lower inflation  By your definition? The actual definition does not force either direction. In reality it adjusts up and down as clearly shown in BLS reports, which I'll link below.   >, not adjust it up.  As I'll list below, it in fact does go both ways.  Finally, analysis of hedonics seems to indicate it has a miniscule effect on inflation rates, again papers are cited in the link shown below.  [Critics often incorrectly assume that BLS only adjusts for quality increases, not for decreases, and that hedonic adjustments have a large downward impact on the CPI. On the contrary, BLS has used hedonic models in the CPI shelter and apparel components for roughly two decades, and on average hedonic adjustments usually increase the rate of change of those indexes. Since 1998, hedonic models have been introduced in several other components, mostly consumer durables such as personal computers and televisions, but these newer areas have a combined weight of only about one percent in the CPI. A recent article by BLS economists estimated that the hedonic models currently used in the CPI outside of the shelter and apparel areas have increased the annual rate of change of the All Items CPI, but by only about 0.005 percent per year.](http://www.bls.gov/cpi/cpiqa.htm#Question_4).  >inflation represents how the value of the dollar has accrued vs the value of a 20"" TV, which is what the definition of inflation is.  No, inflation must measure the price *of the same good* over time. When some goods are no longer available, other goods must be investigated to provide continuity in the comparisons. Otherwise you'll have me comparing the price of a horse to the price of a car since they both provide transportation, yet over time one replaces the other, and direct comparisons on $ alone does not accurately measure what one gets for their money.  You cannot compare the cost of different goods purely on price alone and call that inflation.  >So, no, I don't think you're correct on this.  Well, [since other places that track inflation](http://bpp.mit.edu/) arrive at very similar results using different methodologies, and a vastly larger pool of goods I think that you overstate that the changes did not increase accuracy of inflation measurement.  >This is also kind of glossing over the fact that the CPI essentially makes the bold argument that energy and transportation prices never affect inflation.  CPI makes no such claim. What do you think caused inflation in the early 1970s when oil prices shot up? [Here is the most recent CPI data release from BLS](http://www.bls.gov/news.release/cpi.nr0.htm) which quite clearly shows both energy and transportation changes being reflected in the CPI.  I think when you make a claim you should at least look up if it matches the actual data. This is tiring trying to find evidence for/against so many dogmatic beliefs."


Necklaces are extra like a sign of class within the present iteration. Humans could have a lot of options and designs to prefer from jewelers and will have an opportunity to create their own design situated on the supply. It's certainly a excellent funding for folks to purchase any form of awesome name necklace, because it could aid you construct a fame and fetch extra money someday. Necklaces would on the whole be luxurious than any other pieces of jewelry, because the utilization of metallic would normally be high than other kinds.


Why does everything have to be low margin and low cost? Why can't it be decent healthy products and jobs, and consumers paying the cost because your average consumer is getting paid more.   As far as an agenda, what better agenda than supporting people getting paid a livable wage, and both the employees and company thriving!


I think cash, travelers checks (little iffy about this one: they're legal tender cash equivalents), and money orders are the only ones that you'd be a little weird to not accept. You certainly don't have to accept regular checks, credit cards, or barter. In the end though, you don't HAVE to accept anything. Accept only small bills, accept only checks from certain banks, accept only the diners card.  Your sale, your rules.


Jesus, I hate this.  They aren't doing you a favor, no sane person would consent to being tracked by a company.  Congrats, uber, on no longer being an asshat, but why companies doing what they're supposed to do is newsworthy is beyond me.  It's like a headline saying that ikea will no longer rob you at gunpoint.


The IRS no longer requires that employers submit all W4 forms, but they can request a W4 for an employee at any time, and putting false information on your W4 is still a punishable offense.   I agree that having a return is like giving the Treasury Department an interest-free loan for the year, but unfortunately paying the appropriate amount of withholding tax is required.   There is some ambiguous information regarding an employer adjusting the amount of withholding, but it seems to mean that they can withhold more than the estimated rate, but never less than what is calculated using the deductions on your W4. See the link for more details: IRS Tax Withholding


Options do act, somewhat, like insurance.... However.... An insurance policy will not have such short term expiration time frames. A 20 year term life insurance policy can be thought of as insurance with an expiration. But the expiration on options is in weeks, not decades.  So (IMO) options make terrible insurance policies because of the very short term expirations they have.


If you repair your phone, when your current balance is paid off, could you get the same coverage for less money? Or would your monthly payment remain the same regardless? That would be the easiest comparison to make.  ie: Pay an extra $49 to have the phone replaced [ie: the cost of using the insurance program for $149, vs the cost of buying out your plan for $100], get a slightly worse phone instead of upgrading, but save $15 / month for the next 2 years. This would pay off economically within 3-4 months, but the phone would be older (not sure if you care about that).


This is horse-trading, *not business*.  But if Person 2 has an offer for 38K, then the item is sold, and he's not even talking to you. But if he IS talking to you, and he has a deal with the 38K man, and you offer 39K, and he accepts, that is known as gazumping; backing out of an agreed sale for a higher offer.  Given that a verbal agreement is legally binding - gazumping is illegal.  BUT! Sale price is always dependent on two things; a willing seller and a willing buyer. Without these two things, no sale can take place. And price is immaterial unless one of the parties is mentally deficient; if both parties agree to a sale price, then a valid sale can take place.  People place different values on things, and that is why an item can sell, and both parties can be happy! You might have been happy to pay 40K for the item, and consider 39 a bargain. The seller might only have wanted 35, but wanted to see how high he could push you, to try to find out what YOUR highest possible price is for the item.  If you are actually in business, then trading on lies is a recipe for failure. Uber is a great example of company founded on lies, which exploits morons, and which operates illegally in every location. Uber will never succeed, because it does not operate in a truthful, transparent, or legal manner.  Practicing lying in business is a great way to get a bad reputation really quickly. And in many instances, lying will be breaking the law. Lying about warranties, materials, things like that.


Suck it up. You will need the experience. Also have to remember pretty much wherever you start your first few years will be awful, truly awful; especially considering you will probably work for an american bank, which are notorious for long hours and face time.  Even if you learn nothing you can still say you did. Having that on your CV is worth miles more than nothing.


> Paternity leave. The situation now allows managers to hire a man over a woman because he can't take off when he has a child. Requiring that he be offered the same or similar option reduces or eliminates that incentive for hiring a man instead of a woman.  This is a good idea.  Of course, with every upside there is a downside. The downside is that it will become an age-discrimination thing, and all people under 40 will have a harder time getting jobs.  **edit: took the wrong quote**


"Its worse than ""won't create jobs"".  It will destroy jobs.  The main reasoning is partly in the article:  ""tax rates don't matter if an investment is a good idea""  Job destruction occurs because there is less of a tax deduction for spending:  http://www.naturalfinance.net/2012/04/economic-justification-for-taxes-and.html  Executive assistants, newer computers, phones and company cars, conferences in Hawaii are all non-essential spending that when there is less of a tax deduction for that spending, get cut.  Normally investments are risky.  Paying for a google ad if it fails, at least gives a tax deduction.  Lower tax rates, means failures cause all of that investment to be lost."


As mentioned in the comments: According to the message from the exchange all trades at or below $5.86 that were executed in NASDAQ between 09:38:00 and 09:46:00 ET got canceled.  If the short doesn't fall into those criteria but the long does, though luck the long is invalid, the short is valid.  Traders that got the short end of the stick in the end, should contact their brokers and inquire about this situation. Depending on the terms of the broker the short might get canceled as well. If not, then it's up to the market. The trader can keep or close the short. IMO, what the person in question should have done is hold on to the trade and see what happens at the end of the trading day.  He should've realized something was wrong when the price went from 8.xx to 0.8x.


Not all miles carry the same amount of risk. A survey by Progressive indicated that accidents are most likely to occur within 5 miles of home, and 77% of accidents occur within 15 miles of home. Only 1% of accidents occurred 50 or more miles from home. That's from 2002, but it seems unlikely to have changed much. Since the miles closest to your home carry more risk, they cost more, and low-mileage discounts reflect that. There are per-mile insurance options in a few states which could save you money, but they do constant monitoring via that ODB2 telematics device, and other insurers offer discounts if you accept their monitoring either in perpetuity or for a limited period of time.  Without monitoring, insurers don't know if that 4,000 miles of driving is spread into a few mid-day trips each week, or maybe you're doing all that driving from midnight to 4am on weekends (fatalities far more likely), or from 5-7pm during weekdays (accidents far more likely). Personally, I save ~10% by being a 'low-mileage' driver, and am currently in the middle of a 90-day monitoring, so might go lower, but given that accidents are far more likely close to home, 10% feels pretty significant and appropriate.


So what you are saying is that it makes no difference whether we have low wage workers for lower prices (and consequently less money to be spent back into the economy by low wage people ) or high wage workers and higher prices (and in this case more money to be spent back into the economy by high wage workers) ?


Its sad to watch how selfish the reddit community is.  These people only care about what will make THEIR lives easier.  So many of these people working for Walmart are because of a horrible socioeconomic status.  They had bad parents, poor schooling, and horrible peers.  They had little chance to make something of their selves, and most has zero.  Instead of having compassion for these people, you shun them.  Humanity really doesn't deserve to be blessed with so much potential and a planet like this.


But how often can you really do this? I get texts from my friends all the time regarding any big games on so the tape delay doesn't work. Also sports are a mostly social viewing experience and lend themselves to the sports bar or BBQ environment where again the tape delay won't work.


lets sat If I buy a house on company's name, It will declared as expense and will deduct from profit. but I am not sure If I can rent it out as a IT LTD company. that's my questions. Buying a house is not an expense, it is a transfer of assets.  The house itself, is an asset.  So if you have $100,000 in cash, buy a house for $35,000, your total assets will remain the same ($100,000), but your asset mix will be different (instead of $100,000 in cash, you now have $65,000 in cash, and $35,000 in property). You can expense the costs associated with buying the house (e.g. taxes, interest, legal fees), but the house itself stays on the asset side of your balance sheet.  To refine the example above, if you buy the house for $35,000, and pay $5,000 in misc fees related to purchasing the house, your assets are now $95,000 ($60,000 in cash, $35,000 in house): the $5,000 reduction is from the actual fees associated with the purchase.  It is these fees that lower your profit. Being not familiar with UK rules, in Canada and the US, and likely the UK, you would then depreciate the house over its useful life.  The depreciation expense is deducted from your annual net income. If you rent out the house, what you can do is expense any maintenance fees, taxes, etc., on the house itself.  This expense will count as a negative towards the rental income, lowering your effective taxable income from the rental.  E.g. rent out a flat at $1,000/month, but your property taxes are $3,500/year, so your net income for tax purposes (i.e. your taxable income in this case) is $12,000-$3,500=$8,500.


Hello all, Ive recently accepted a job at one of the big banks as a marketer. Ideally this role leads to becoming a financial advisor. I was wondering if there is anyone here has experience with that career path-starting as a marketer and becoming an FA- and if it was worth doing it over going to grad school or whatever other career interests you had. Also, what were your hours like when you first started? Ive heard horror stories about people coming in before 7 and staying after 7...


You can use a used paint brush to scrub the frame and loosen the dust and the same technique can also be implemented on uPVC Windows and windows as well. The dust, dirt, cobwebs, etc., can be further removed using a vacuum cleaner. You should totally avoid abrasive sponges and clothes along with harsh creams and cleaning solutions, as they might cause permanent damage to uPVC windows as well as awning windows Melbourne.


Well first of all, they clawed back 75 mln of those bonuses paid out, so they really didn't get paid that money.  Second, not every executive, not even probably more than one executive, was even aware this was happening. There is one who **might** have known it was happening, but the reality is that a lot of these decisions and plans are implemented several levels down from the executive team. The executives do not get involved in day to day shit typically.  Third, those bonuses to executives are paid out in stock options. Stock options glean their value from the price of the stock. If the stock price goes down, then their bonuses lose value or become worthless, essentially meaning that they get reductions in pay or no bonus when the stock price goes down. So if the scandal had no affect on the stock price, why wouldn't they get paid their bonuses? The stock is the best indicator of the public's reaction to the entirety of the bank.


Well, it sounds like you have two options: 1) Continue to jointly own the house. 2) Compensate her for her equity and get the title transferred.  I hate to tell you this, but she is entitled to half of the equity regardless of how much she paid into it. That said, she is still on the hook equally for the loan amount, but it won't do you any good if she is not willing to pay. Also, option 2 probably isn't a good deal for your co-signer as she would still be liable for the entire loan loan (just as you are) regardless of the title.


"If anyone on Reddit actually knew anything about what it takes to run a business let alone a construction business they would keel over their keyboard in a panic attack. It's gonna cost 500 just for the permit. Not to mention you need to pay the state every year to take a test to say you are even qualified to ask for a permit. Then they have the highest unemployment insurance out of any industry then they have the highest liability insurance rates aside from doctors. Then you have to pay someone to accept your dumpster full of old roof garage. Then you all of your office overhead and supervisor for the job. Then when you do all of that really well and make a profit now you can expect to pay 30% taxes on what's leftover.    Everyone on Reddit thinks small business operates like Apple and Google dodging billions in taxes by being global. The truth is small businesses are like the ""poor"" people they employ. On a macro level they pay the brunt of the taxes in proportion to earnings so the 1% of large companies can dodge theirs."


> the answer is compulsory higher education.  And just how are you going to do that? With the huge amount of people who barely can finish highschool, and to be honest, do not deserve even a highschool diploma.  And did you think about this: if everyone is so highly educated, will highly educated people get high salaries? Already a Bachelor degree is worthless to get a job or a good paying job. Actually, in North Carolina, a job opening to be a cashier at Mcdonald required a Bachelor degree.   As for high wage countries, they have enough of their own idiots who can barely finish high-school and they are janitors, cashiers, etc. When it comes to physically demanding low-skill jobs, they are almost all done by immigrants on a temporary visa.


"> So, are you against Trump? Yes or no?  Yes, I think you would categorize me as against him but I don't think I'm against him but against the things I see him doing things that I do not think will make life better for the average American.  > ...according to VOX (known fake-news anti-Trump ""news"" site)...  Vox does spin things left but that doesn't make their reporting fiction.  They directly quoted President Trump after that meeting when he said, ""I'll oppose anything that makes it harder for smaller, younger companies to take the risk of bringing their product to a vibrantly competitive market. That includes price-fixing by the biggest dog in the market, Medicare, which is what's happening.""  I think the quote is very clear that President Trump changed his position on Medicare negotiating with drug companies.  Do you disagree?  > ...the amendment by Collins and McCaskill was passed last month and is sitting Trump's desk to be signed soon.  I don't know why you bring this up.  Their amendment is about streamlining the FDA and has nothing to do with my issue with President Trump, that he first supported and then opposed Medicare using its market share to get Americans lower cost drugs."


Actually it's much cheaper to just keep employees in the dark so they don't see the inequity. The more expensive option (in the short-term) is to do what this article suggests, so the company can keep employees happy, which makes us more productive and reduces the costs of constantly hiring new people. Unfortunately I think most employers would rather gamble that their employees will never find out (because it's taboo to ask how much your co-workers make), or are too scared to look for new jobs anyway.


In my opinion it depends on the type of product. I would get a warranty for a washing machine or tumble dryer or other product with lots of moving parts that is liable to break down. I also take into account my luck, the one washing machine I didn't get covered broke down 2 weeks outside the normal warranty period... I would not get a warranty for a consumer electronics product like a TV, PC, or iPod because they devalue so quickly. As a rule of thumb, if the model you buy today is going to be on sale for the next few years for around the same price and has moving parts, it is worth considering a warranty. If it will be worth a small percentage of its value because newer faster shinier models come along to replace it don't bother. I would also not get the warranty from the shop I bought the product from. You can get warranties for consumer products from specialist third parties that will allow you to cover multiple products for a discount. These work out a lot cheaper than the one the shop will give you. For example in the UK, DomGen will cover 3 appliances for £14.99/month and 6 for £20.99/month


The liars need to be called out how can this go on..  Prices are going up and wages flat is not deflation,  it's some horrible stagflation... And this is not semantics this is important because these doublethinkers use these words to set policy..   And yes it is caused by banks this economic situation,  QE for 9 years, massive debt bubble..   On top of this the banking conglomerates Now control even amazon.. http://www.nasdaq.com/symbol/amzn/ownership-summary  What an awesole that man is.


This could help the firm find the perfect match for you in their own bucket list. Listing down everything clearly would make a good impression and you might get a chance to take advantage of the vast network the executive search firms have. A recruiter could easily refer you to some other executive where you could be a good fit.


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-09-17/superpower-india-to-replace-china-as-growth-engine) reduced by 73%. (I'm a bot) ***** > By. India is poised to emerge as an economic superpower, driven in part by its young population, while China and the Asian Tigers age rapidly, according to Deloitte LLP. The number of people aged 65 and over in Asia will climb from 365 million today to more than half a billion in 2027, accounting for 60 percent of that age group globally by 2030, Deloitte said in a report Monday.  > In contrast, India will drive the third great wave of Asia&#039;s growth - following Japan and China - with a potential workforce set to climb from 885 million to 1.08 billion people in the next 20 years and hold above that for half a century.  > Deloitte names the countries that face the biggest challenges from the impact of ageing on growth as China, Hong Kong, Taiwan, Korea, Singapore, Thailand and New Zealand.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/70rvoj/superpower_india_to_replace_china_as_growth_engine/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~211835 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **age**^#1 **growth**^#2 **Deloitte**^#3 **India**^#4 **workforce**^#5"


That article disproves itself: >An entrepreneur can have the most brilliant idea in the world and plenty of funding to develop and sell it, but if customers can't afford to buy the company's products, the entrepreneur and his or her investors won't create a single permanent job.  They are forgetting that it's the ENTREPRENEUR's job to make a product that fits ALL the criteria (including being affordable), not just some. DUH. So Steve Jobs DID create jobs (albeit a lot of Chinese jobs).  Anyone who believes that the iphone didn't create jobs and an entire new market has a hole in their head. And that's coming from a guy who absolutely cannot stand iPhone, Apple, and Steve Jobs.


Yeah. The student run investment fund at my school valued Tesla and they're significantly overvalued. Their capital structure is way too much debt and given the capital intensity requirements of the industry, they're gonna be cash flow negative for a while.  They made 45% in three months bc of the capital gains but knew that shit wasnt stable lmao


Read about Upfront Mortgage Brokers. That site has a bunch of information on mortgages and brokers, including mistakes to avoid when shopping for a mortgage. You can also find lenders with upfront pricing. I've used it for shopping and you will find very competitive rates. I'm wary of brokers. When we sold our house, the buyers (young first time buyers) got screwed by an unscrupulous broker and didn't actually have a loan lined up. Delayed closing by 2 days while they scrambled to find a legit lender who could put together funding. The one time we used a broker (our first time), we got a deal that wasn't really as good as it should have been. (Hindsight.)


"To put a different spin on it, suppose you loaned someone $100K, expecting that they would pay it back, and then a little later they decided not too. They are perfectly capable of paying back the money, but just decided they didn't want to, and it seems the laws of your state said you couldn't make them. How would you feel about that? Since this is supposed to be an answer to the question, the answer is: ""only if you can't afford to repay it"". That's what foreclosure is supposed to be about, not you deciding you would rather not pay your debts. Let's not forget who pays that bill for you - every one of your bank's other customers. EDIT:For the people decrying the moral aspect and saying ""it's perfectly alright because the law says that's the punishment and I'm willing to pay it"", the law also says ""if you kill someone, you go to prison for life"". Does that mean that someone who decides they are going to kill someone has a perfect right to do it as long as they are prepared to take the consequences?"


There is no cancer coverup.  Where is the peer reviewed study conclusively linking glyphosate to cancer?  From the article:  >Glyphosate is the world's most used herbicide. Companies like Monsanto, Syngenta and Bayer produce more than 800,000 metric tons of the subtance every year and sell it around the world. Farmers use the agent to clean the slate while preparing fields for the new sowing season, or spray it on potato or rapeseed fields to kill the plants just before maturity, making harvesting easier.  The popular agricultural chemical has been in use for more than 40 years and can now be found almost everywhere: in the urine of humans and animals, in milk, in beer, in ice cream, and above all in feed pellets from the United States and Brazil, which also end up being fed to German cattle and pigs.  So its use is widespread over 40 years and is pervasive in the environment.  And yet, billions of people are not getting cancer.


"I think you just sum up the program,....""TONS of smart people who simply lack the training ""...they lack the training because they just are not driven. In the age of the web and free content and courses for everything imaginable, why don't  these ""TONS"" train themselves? contribute to F/OSS projects? sharpen their coding chops? They ain't 5 year olds to be spoon-fed by MS or any company. If you are not self-starter and not driven, you likely aren't suited for the hyper competitive world of software."


"A company whose stock is available for sale to the public is called a publicly-held or publicly-traded company.  A public company's stock is sold on a stock exchange, and anyone with money can buy shares through a stock broker. This contrasts with a privately-held company, in which the shares are not traded on a stock exchange. In order to invest in a private company, you would need to talk directly to the current owners of the company. Finding out if a company is public or private is fairly easy.  One way to check this is to look at the Wikipedia page for the company.  For example, if you take a look at the Apple page, on the right sidebar you'll see ""Type: Public"", followed by the stock exchange ticker symbol ""AAPL"".  Compare this to the page for Mars, Inc.; on that page, you'll see ""Type: Private"", and no stock ticker symbol listed. Another way to tell: If you can find a quote for a share price on a financial site (such as Google Finance or Yahoo Finance), you can buy the stock.  You won't find a stock price for Mars, Inc. anywhere, because the stock is not publicly traded."


Your math is correct. As you point out, because of the commutative property of multiplication, Roth and traditional IRAs offer the same terminal wealth if your tax rate is the same when you pull it out as when you put it in.  Roth does lock in your tax rate as of today as you point out, which is why it frequently does not maximize wealth (most of us have a higher tax bracket when we are saving than when we are withdrawing from savings). There are a few other potential considerations/advantages of a Roth: Roth and traditional IRAs have the same maximum contribution amount.  This means the effective amount you can contribute to a Roth is higher ($5,500 after tax instead of before).  If this constraint is binding for you and you don't expect your tax rate to change, Roth is better. Roth IRAs allow you to withdraw your contributed money (not the gains) at any time without any tax or penalty whatsoever.  This can be an advantage to some who would like to use it for something like a down payment instead of keeping it all the way to retirement.  In this sense the Roth is more flexible. As your income becomes high, the deductibility of traditional IRA contributions goes to zero if you have a 401(k) at work (you can still contribute but can't deduct contributions).  At high incomes you also may be disallowed from contributing to a Roth, but because of the backdoor Roth loophole you can make Roth contributions at any income level and preserve the full Roth tax advantage. Which type of account is better for any given person is a complex problem with several unknowns (like future tax rates).  However, because tax rates are generally higher when earning money, for most people who can contribute to them, traditional IRAs maximize your tax savings and therefore wealth. Edit: Note that traditional IRA contributions also reduce your AGI, which is used to compute eligibility for other tax advantages, like the child care tax credit and earned income credit.  AGI is also often used for state income tax calculation. In retirement, traditional IRA distributions may or may not be state taxable, depending on your state and circumstances.