Variance of a single asset is defined as follows: σ2 = Σi(Xi - μ)2 where Xi's represent all the possible final market values of your asset and μ represents the mean of all such market values.  The portfolio's variance is defined as σp2 = Σiwi2σi2 where, σp is the portfolio's variance, and wi stands for the weight of the ith asset.  Now, if you include the borrowing in your portfolio, that would classify as technically shorting at the borrowing rate. Thus, this weight would (by the virtue of being negative) increase all other weights. Moreover, the variance of this is likely to be zero (assuming fixed borrowing rates). Thus, weights of risky assets rise and the investor's portfolio's variance will go up. Also see, CML at wikipedia.


Many CEOs I have heard of earn a lot more than 200k. In fact a lot earn more than 1M and then get bonuses as well. Many wealthy people increase there wealth by investing in property, the stock market, businesses and other assets that will produce them good capital growth. Oh yeh, and luck usually has very little to do with their success.


Opioids have become a scourge of our society.  Even more interesting is the story behind the [Sackler Family](https://en.wikipedia.org/wiki/Mortimer_Sackler), who in many ways singlehandedly foisted this problem upon the U.S. and in the process became what might be characterized as the wealthiest legal drug lord family in the world.


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Yep.  Like I said, I'm riding it out while it lasts.  No skin off my nose if they go under.  That being said, this guy is a cofounder of Netflix, and with all the press this thing is getting, nobody is calling it a scam.  I have to believe that they have something up their sleeve.


Generally, report your $150,000. If/when the the tax collectors notice the anomaly, they'll attempt to contact you to remedy it. I can't speak for Canada, but in the US, it's pretty orderly. The IRS requests additional information or proof and only open it up into a full blown audit if the suspect wrongdoing. In your case, you could show a business agreement detailing the revenue split proving you correctly reported. This is only for your consideration. I strongly recommending finding and keeping a professional tax advisor.


I know this is an old question, but for others who may be wondering the same thing, Kualto.com does precisely this. You enter your expected expenses/income and it shows you the beginning and ending balance of each week. You can navigate ahead as much as you want to see how expenses today will affect your account balance in the future.


"1. (a) ""Stephen Kinzer: The True Flag of American Empire #051"" by Guadalajara Geopolitics Institute, published on 14 June 2017: http://guadalajarageopolitics.com/2017/06/14/stephen-kinzer-true-flag-american-empire-051/      YouTube link: https://www.youtube.com/watch?v=qXSMHR-sN1s      SoundCloud link: https://soundcloud.com/guadalajara-geopolitics/stephen-kinzer-the-true-flag-of-american-empire-051      Stephen Kinzer: http://stephenkinzer.com      (b) Read https://www.reddit.com/r/worldpolitics/comments/6feg5x/putin_interview_did_russia_interfere_in_the/dihhtkq      (c) ""The CIA's Holy War: No espionage operation or covert action was deemed too extreme by a CIA that saw only friends or enemies"" by Stephen Kinzer, published in the June 2016 issue of American History: http://watson.brown.edu/news/2016/cias-holy-war-written-stephen-kinzer       PDF: [http://watson.brown.edu/files/watson/imce/news/2016/CIA's Holy Cold War Kinzer.pdf](http://watson.brown.edu/files/watson/imce/news/2016/CIA%27s%20Holy%20Cold%20War%20Kinzer.pdf)      American History magazine: http://www.historynet.com/magazines/american-history-magazine       (d) ""Covert Action: A Systems Approach"" by Kristen N. Wood, published December 2014: http://calhoun.nps.edu/bitstream/handle/10945/44692/14Dec_Wood_Kristen.pdf      Source: http://hdl.handle.net/10945/44692  2. Read https://www.reddit.com/r/worldpolitics/comments/5b9bza/the_political_system_of_the_usa_is_characterised/d9mq22q          Source: #1 at https://www.reddit.com/r/worldpolitics/comments/5bpc5x/an_update_for_my_readers_by_peter_levenda/d9q9006      Via: #26 at https://www.reddit.com/r/Missing411/comments/41oph0/supernatural_abductions_in_japanese_folklore_by/cz3we2z  3. ""Jasun Horsley, host of The Liminalist podcast, interviews Peter Levenda about 'The Individuation Chamber' (The Liminalist #11.5), published on 22 April 2015 -- their discussion includes 'Americanism and homogeneity, 'Star Trek' and colonialism, psychology disguised as politics, weaponizing Islam, Eisenhower and Dulles, the sorcerer's apprentice'"": #4a at https://www.reddit.com/r/worldpolitics/comments/5bpc5x/an_update_for_my_readers_by_peter_levenda/ddlcuvl          Weaponizing religion (religion as a weapon), nuclear power/atomic power, atomic/nuclear bomb explosion: Start at 40:20 (40 minutes and 20 seconds)      Source + Much More: #7c at https://www.reddit.com/r/worldpolitics/comments/5bpc5x/an_update_for_my_readers_by_peter_levenda/dfmc7kj      Via: https://www.reddit.com/r/worldpolitics/comments/5bpc5x/an_update_for_my_readers_by_peter_levenda/d9q9006      Via: #26 at https://www.reddit.com/r/Missing411/comments/41oph0/supernatural_abductions_in_japanese_folklore_by/cz3we2z  4. Visit      (a) https://www.reddit.com/r/worldpolitics/comments/6iho4e/a_house_armed_services_panel_intends_to_create_a/dj6bhas      (b) https://www.reddit.com/r/worldpolitics/comments/6hfhh0/take_a_globe_spin_it_and_point_with_a_finger_to/dixva87      (c) https://www.reddit.com/r/worldpolitics/comments/6feg5x/putin_interview_did_russia_interfere_in_the/dihhtkq"


I don't know if all these facts can be attributed to NAFTA but it is hard to escape the feeling that trade agreements hurt US workers.  I have no doubt that a companies bottom line benefits from free trade and that consumers get access to cheaper goods- but the well being of the nation as a whole is not necessarily the same as the financial well being of corporations or lower prices for junk.  Free trade agreements, without a doubt, have hurt average workers.  Whenever economics is discussed it is important to keep in mind that the most economists are valuing these kinds of deals in ways that don't make sense to the average person.  No one, for instance, can place a value on the person who lost their job- or how that impacts their family and community.  I understand why- those kinds of social costs cannot be measured.


I'd like to recommend that people watch [The Queen of Versailles](http://en.wikipedia.org/wiki/The_Queen_of_Versailles), because it's an amazing look inside the home (in more than one way) of this man, David Siegel, and his family. But if you're anything like me, this movie will make you angry and depressed that people like this not only exist, but have been so amazingly rewarded for their avarice. Frankly, I'm not entirely sure that kind of poison is a good thing.  In any case, let me just share this little tidbit from the film. Near the beginning of the film, Siegel claims that he was responsible for winning the state of Florida for George W. Bush in 2000, which in turn won GW the presidential election. When asked what he did, he smirks, and replies that he won't say, because he doesn't think it was legal.


"Oh god.   Dude I'm trying really hard to help you, but I can tell im not gonna have much of an impact.  There's nothing altruistic about what she's doing. She's not trying to help you. No friend would encourage you to take out close to six figures worth of debt to ""invest"" in a struggling weed dispensary.  You're gonna be a financial wreck by the time this is over."


The Military Home owners wants to remain living in the home for 2 weeks after the closing date. You can include this provision in your contract. By putting the seller directly across the table, you can put your heads together and find win-win solutions to some issues that may arise.


Usually get upgraded myself, never saw anything like that. Got upgraded to a Suburban once though I just wanted a sedan, but I ended up liking it as it had the full trim, sat radio, heated seats, etc. They had tons of Tahoes on the lot too, but for some reason was short on full size sedans, heh.


I never received any bad treatment as a foreigner. I have dinner with my landlord once a month, and go to the bar with the guy that sold me the plan.   Why the fuck would you take out a loan in a foreign country? If you need to so badly, then you obviously don't have the collateral to do so and that's why they are turning you away.   Homogenous countries are naturally xenophobic, get over it.


>Corporate taxes as a percentage of federal revenue declined from 27.3 percent in 1955 to 8.9 percent in 2010  If the federal government adds a European-style VAT tax, that would also greatly decrease corporate taxes as a percentage of federal revenue, but it would be because there's more taxes coming in from other sources.   Federal income taxes in the United States didn't even *exist* until 1913.  Percentage of federal income goes down as income from other sources go up.  The United States [currently has the highest corporate tax rate in the developed world](http://www.huffingtonpost.com/2012/03/30/us-corporate-tax-rate_n_1392310.html).


"It's rarely advisable to pay interest for something you can afford with cash. Just because you have no credit or loan history doesn't mean you aren't credit worthy. When applying for loans or credit, the lending institutions look at your credit report, not just your credit score. There are lots of things that show up on the reports they receive including (but not limited to): Right now, so many people are focused on their credit score, they're taking on unnecessary debt and potentially losing money in the long run. Yes, having a higher credit score will ultimately be beneficial, but your score will start growing naturally as you live your life. Unless of course you can and do pay for everything with cash. The concept of monitoring your score and striving to get it as high as possible is being shoved down our throats by advertisers at the moment. Don't fall for it. Rather than taking out a loan, which will cost you money in interest and actually show up as a closed account once it's paid off, you might be better served by applying for a credit card and using it sparingly just to start getting that credit history together. (Add usual ""don't spend more than you can pay back"" mantra here). Get a card with no annual fee and maybe some cash back options, and use it as the auto-payment for a utility if possible. You build credit history, increase your score, and it doesn't cost you any more than you'd be paying anyways.   With regards to the investment question: With little to no credit history, you're not going to be approved for a loan with a low enough interest rate anyways. Think double digits. With a co-signer, you'll get a better rate, but then you need a co-signer. I don't know the exact math, but in today's market I'd say you'd need a loan interest rate of 2% or lower for investing to be worth thinking about.  I believe this answer helps clarify the loan to invest math: https://money.stackexchange.com/a/26193/30798"


Too calculate these values, information contained in the company's financial statements (income, balance, or cashflow) will be needed along with the price.  Google finance does not maintain this information for BME.  You will need to find another source for this information or analyze another another symbol's financial section (BAC for example).


You should talk to a financial fiduciary (make sure they are a fiduciary, not all planners are) about investing your money.  Even ultra safe investments such as treasury bonds will beat the 1% interest rate offered by your savings account (the yield on the 5 year treasury is currently around 2%).


We got a diaper shipment as a baby shower gift. I thought it would be a bunch of crap but I was pleasantly surprised.  * The diapers are far better at containing blowouts than pampers or huggies, and the designs were way better than the muppets on pampers. After staring at the rugrat's butt all the time while he does stuff, it does start to matter.  * the healing balm is flat-out magic. The kid has a pretty intractible case of baby eczema. Doctor says it'll clear up eventually, not much they can do apart from some nasty steroid creams that aren't worth the trouble if he's not being too bothered by it. She recommends all kinds of stuff to try and nothing works - except for this stuff. After putting some nasty zinc stuff on his diaper rashes, this balm cleared it up in under a week.  * The wipes aren't as good as some other baby wipes, but they get the job done. I'd still use those in a pinch, but prefer store-bought stuff for its absorbancy.  The price on the shipping made it pretty comparable. Wife has the invoices so I can't do an apples-to-apples comparison, but she said for the diapers alone it's maybe a 2-cent markup per diaper, including shipping costs.


Tesla is currently unmatched in the industry for leveraging the software and built in communications on their vehicles. Other manufacturers talk the same game, but I've yet to see anyone else rev their software with feature updates like Tesla. I wish the others would step up their game.   I hope they are the first to implement car following. Then every time an owner brings in an ICE car to service, it becomes an ad for Tesla as the owner drops off the ICE vehicle, then steps into the Tesla that silently followed them to the mechanic's.


Yes, I think many of them actually do. All one has to do is look at how people responded to the [*exact same responses to Syria under Obama as well as under Trump*](http://nymag.com/daily/intelligencer/2017/04/gop-voters-love-same-attack-on-syria-they-hated-under-obama.html) to understand how much politics clouds people's thinking.   I think there is a percent of that population who never had to buy insurance before, and are not happy with having to now. I think there is a percent who had junk insurance before which wouldn't cover anything important and are upset that there is now a standard for coverage (and conveniently ignore the fact that they would leave the taxpayer responsible for covering it because the same people who buy shoddy insurance are usually the same people who can't cover catastrophic medical bills). Then I also think that there is a percentage of them who are facing the repercussions of their state government not enacting the Medicaid expansion and not taking part in the state exchanges. I think most of them have bought the party line - hook, line, and sinker - that this is all the ACA fault and that the GOP tinkering and obstructionism has nothing to do with it.


Bullshit, I'm guessing you don't know many CEOs and what they provide for a company, do you?   Also, your idea about private management is meaningless. The shareholders manage the company. End of story. They are also the owners.


Most people looking to introduce a water softener to their home and office have opted for salt based water filters. Electronic water softener systems are the best way for water resolution. In this system, water softener unit is periodically recharged with sodium by flushing through with a brine solution. Although these are effective at removing the calcium from your water system they have a number of disadvantages. They are relatively expensive to buy.


Brief about Carpets, various types and more….  Carpet is a material that covers the floor, protects from dust, stains and stinks etc; it is soft and gives warm pleasure to barefoot.  Carpets are made of polypropylene, nylon, polyester etc, which is also called as synthetic fibers. But in ancient days during 20th century wool was used to manufacture carpets and was quite expensive.  The carpets upper layer pile will be attached to backing, where they have primary, secondary backing. Here are a list of some soft carpets with great style, color and patterns   Caress-501 Paper Moon   Caress 501 paper moon soft carpet is completely made of smartstrand sorona fiber. The width of this carpet is around 12feet wide and available in different colors like cob web, Italian suede, rock wall etc. It put resistance to all kinds of stains and dirt.   Incredible-Sweet Potato   Incredible-sweet potato is a kid’s favorite carpet made of smartstrand w/du pont sorona triexta and it is also available in varied colors like muslin, pineapple, tiki hut etc, and it’s quite inexpensive too.   Formal Affair -Canopy  It is a residential plush carpet made of soft pet filament polyester. This formal affair-canopy soft carpet is smooth in nature and it adds a conventional look to your decor.  Still, there are many high quality soft carpets are available that can give a fabulous look to your commercial, residential space with more durability and comfort.  for more info  http://firststepflooring.net/product-category/carpets/soft-carpet/


They also have greatly reduced access to reproductive care and traditional health care at all. I'm for free condoms in every public school and college campus. But no the religious right won't stand for it. The real reason is the right loves poverty because it's profitable and keeps wages low and unemployment high.


I'm speaking of the investment I'm making in my own skills and work ethic, which would still be extremely valuable even if I was a terrible person who didn't give a shit about anyone else.  That said, where I've worked, no one is getting locked in the building at night or threatened (although one of my employers did try to pay me under the table one time). My experience with organized labor in my workplaces has been that the leaders whine about having to do stuff that is actually part of their job and don't actually provide much of a benefit to the workers.   I'm not saying this is true for all employers - organized labor is obviously an important check on employers that abuse their employees. But in my experience, having an organized workforce is not a universal positive. Rather, its value depends on the leadership of the union and whether the working conditions are actually abusive to begin with.


"Because without central authority, you cannot actually change the price of a good permanently. By trying to tie taxes on income into cost of living for ""basic living""(whatever that means) you've changed the entire discussion and are essentially useless to it. Stop attempting to showboat your concerns by derailing other's discussions."


To get rich in a short time, it's more likely what you want to do is go into business. You could go into a non-investment business such as opening a restaurant or starting a tech company, of course. Warren Buffett was working in investing, which is quite a bit different than just buying stocks: The three ways to get rich investing I can think of are: I think the maximum real (after-inflation) return you can really count on over a lot of years is in the 5-6% range at most, maybe less. Here's a post where David Merkel argues 3-4% (assuming cash interest is close to zero real return): http://alephblog.com/2009/07/15/the-equity-premium-is-no-longer-a-puzzle/ At that rate you can double every 10-15 years.  Any higher rate is probably risking much lower returns. I often post this argument against that on investment questions: http://blog.ometer.com/2010/11/10/take-risks-in-life-for-savings-choose-a-balanced-fund/ Agree with you that lots of people seem to think they can make up for not saving money by picking a winning investment. Lots of people also use the lottery as a retirement strategy. I'm not sure this is totally irrational, if for some reason someone just can't save. But I'm sure it will fail for almost all the people who try it.


"An unmarried person with a total U.S.-sourced earned income under $ 37,000 during the year 2016 is likely to owe: If the original poster is not an ""independent contractor"", and is not ""billing corp-to-corp"" then: In summary: References:"


Could Uber not as well? Stop burning cash to establish Uber Eats, stop being so aggressive in new markets, and live off the cash flows from places like NYC. It would cap their growth, but I doubt it would take long to become profitable if they decided that was more important than expansion.


But it does create wealth, as shown by the GDP graph.  It gives money to people whom otherwise wouldn't have it.  They then spend it and create the demand for the things they buy.  Demand demand demand.  DE-Mand.  Wealth.  It's what's going wrong now.  Rich people have more money than they've had since 1929; same for corporations.  If they (the rich and corporations) created wealth with their spare change we'd be doing swimmingly.  But they don't and we're not.  Empirically, scientifically speaking  We need to give money to those that don't have it to kickstart demand.  Then the economy will come roaring back.  If you have evidence otherwise, I'd like to see it.


Fist money does not have legal tender.  And technically there are thousands of people willing to fight for bitcoin, who can be seen as an army so in that logic bitcoin has some intrinsic value.  But both don't have intrinsic value. Most sources on the internet I can find agree with that. Wikipedia, investopedia and many others.  Not that money needs intrinsic value. If the market value is 1000 times above the intrinsic value then the intrinsic value is not even relevant. But 1000 * 0 = 0 and the intrinsic value of the dollar itself (not coins) will always be 0. Same for the EUR and then YUAN.


Oh I definitely wish there were more women in STEM.  Though the NYT likes to blame bias from those already in those fields, I suspect that's mostly decades in the past.            I'm more inclined to attribute a lot of it to some type of social pressure from female peers, particularly in teenage years where social acceptance is very important, and being the girl who's taking AP Statistics or considering a degree in Accounting is not going to win one acceptance into the popular kids crowd.  Which is really unfortunate because being interested in such things really should be encouraged.


"This is the best tl;dr I could make, [original](http://larrysummers.com/2017/10/22/one-last-time-on-who-benefits-from-corporate-tax-cuts/) reduced by 90%. (I'm a bot) ***** > The analysis from Hassett, chief of the White House Council of Economic Advisers, relies heavily on correlations between corporate tax rates and wages in other countries to argue that a cut in the corporate tax rate would boost returns to labor very substantially.  > The authors include no corporate tax detail, no recognition of the impact of the tax proposal on asset prices, and no treatment of the budget consequences of tax cuts.  > The newest boldest bit of claim inflation regarding the tax bill comes from the Business Roundtable: &quot;a competitive 20 percent corporate tax rate could increase wages sufficient to support two million new jobs.&quot; This would, coupled with job growth projected even in the absence of a corporate rate cut, take the unemployment rate well below 3 percent! I would be very interested to see the underlying analysis.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/78551e/summers_one_last_time_on_who_benefits_from/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~233281 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*: **tax**^#1 **corporate**^#2 **rate**^#3 **cut**^#4 **investment**^#5"


No appologies needed.  The want to pretend this whole process is complicated so people like you don't ask questions, but that's really it.  There's nothing more to it than that.  They purchase bonds and other financial assets from the government and from their favorite banker friends with the money they just created (presumably by pushing the up arrow on a Dell keyboard, lol).  That's it.  Then the major banks and the government all have more money.  The idea being that it loosens up credit.  Those banks will lend out more money to other banks and eventually to us.  Additionally, the government will have more money to spend.  It gives the illusion that something of worth was actually created.  That's the entire scheme.  You still may have $1000 dollars, but your $1000 is now a smaller percentage of the total amount of money out there, so it buys less as prices increase to adjust for this new money.


Here, you can get that service whatever you want in the best location. We organize the professional wedding engagements and more special party. As you know, everyone wants unique and fabulous party which is mind blowing party with our party organizer. Make the professional party with our unique wedding engagements west palm beach that's offer everything. There are so many options to celebrate the party. But, before that you should choose the best located area in Florida.


>That doesn't exist any more.  This is false.  The GSE Sallie Mae buys student loans from other banks, meaning the banks offload their risk to Sallie Mae.  If Fannie/Freddie has taught us anything, is that the government will [come to the rescue](http://en.wikipedia.org/wiki/Federal_takeover_of_Fannie_Mae_and_Freddie_Mac) if things go south.  In a way, the bailouts have shown that the government is backing *all* loans.  Second, students cannot discharge their student loans through bankruptcy, as easily as other loans.  As long as this is true the risk is reduced for the creditors.  If that were allowed, and students began defaulting on their loans (at the expense of their credit), then the assets tied to those loans become worthless, and the banks holding the loans go under, which will probably prompt some massive government/Fed bailout.  >Student homes are not like home loans  Every bubble is different, but they all end the same way.  Cheap credit created by the government results in malinvestments and loans that cannot be paid back.  The bubble will pop and the lenders will not get paid back.  See [Austrian Business Cycle Theory](http://www.slideshare.net/ManAgainstTheState/austrian-business-cycle-theory)


"Actually the labeling still leaves a lot of room for imagination. I know this due to researching food labeling concerning allergies. There's a huge number of things that can go under natural seasonings, for example. At the end of the day you don't actually know what it is. EU is a lot more particular about their labeling and they avoid wording that is deceptive to the consumers. Let's not pretend that ""made with 100% chicken"" wasn't created to dupe people. We shouldn't have to stand there and debate semantics when buying food."


"This is the kind of scenario addressed by Reddit's /r/personalfinance Prime Directive, or ""I have $X, what should I do with it?"" It follows a fairly linear flowchart for personal spending beginning with a budget and essential costs. The gist of the flowchart is to cover your most immediate costs and risks first, while also maximizing your benefits. It sounds like you would fall somewhere around steps 1 and 3. (Step 2 won't apply since this is not pretax income.) If you don't already have at least $1000 reserved in an emergency fund, that's a great place to start. After that, you'll want to use the rest to pay down your debt. Your credit card debt is very high interest and should be treated as a financial emergency. Besides the balance of your gift, you may want to throw whatever other funds you have saved beyond one month's expenses at this problem. As far as which card, since you have multiple debts you're faced with the classic choice of which payoff method to use: snowball (lowest balance first) or avalanche (highest interest rate first). Avalanche is more financially optimal but less immediately gratifying. Personally, since your 26% APR debt is so large and so high interest, I would recommend focusing every available penny on that card until it is paid off, and then never use it again. Again, per the flowchart, that means using everything left over after steps 0-2 are fulfilled."


As someone that has run a nonprofit, my 2 cents: First: thank you for giving and for being conscientious about wanting to make things as easy as possible. The best method is the one you'll actually do. If there is a chance that you will end up not donating by check because you don't have a stamp, you forget, etc. go ahead and do it online. A donation with a fee is better than an intention without one. We had one case where a potential donor decided to give, but was so worried about the processing fee that they wanted to write a check. We followed up 3 times on the pledge, spent time following up with the pledge's connection that wanted to see if it came through, and in the end they never sent the check. Their pledge wound up costing us staff time and money as we tried to make their giving easy.  If you are as likely to give, size matters. My rule of thumb is that if you are giving $1 up to about a hundred dollars, the fee (which most nonprofits can get to about 3% or 3.5%) is about the same as the added staff time opening the check, adding an extra to the deposit slip, etc. But as soon as you are giving a couple hundred dollars and especially if you are giving in the thousands, it is definitely better to do it by check. Most banks don't charge an extra deposit fee at the scale of most nonprofits, and we probably have some run to the bank happening in the next day or two. Really your thank you note should be the same whether online or by check (even though you'll get the auto-thank you online), so that time difference shouldn't really play into it. The donation will be appreciated either way.  While I cringe a bit if I see a $1,500 donation come through online knowing that the check would be cheaper, that is far outweighed by the thankfulness that someone thought of us and made it happen.


Do I have the option of stripping options off of the Model 3 to make it more affordable? Can I get it at $20,000 if I strip enough options off? I didn't think so.   I'm comparing base model costs. Model 3 is a luxury class vehicle, not a family car.  I have no hate for Tesla and eventually would like to see a Tesla in my driveway. But it's not a economically accessible vehicle for a lot of people right now.


Not to mention, people only shop at Walmart because they have to.   Whether it's small budgets or quite literally no other choices in town, most people don't like Walmart but shop there anyway. It has a bad reputation for many things. They often have lower quality versions of the same products available elsewhere because they bully suppliers into lowering prices. They also steal products to be marketed under their Great Value brand. They bleed local economies by underpaying employees and offering no benefits. And, they are seen as the low class option compared to other stores like Target.  If there was another option, people would take it. As soon as Amazon perfects the shipping system, Walmart will be a thing of the past. Sam's Club might still have a shot, though Costco seems to be edging them out too.


I disagree with the theory that SUPPLY needs to increase... stagnant sales can just as easily suggest either equilibrium between supply and demand, or a problem with purchasing power.  I would want to know the home sale PRICES (today vs last month and vs last year)... and possibly salaries.  if prices are the same, then we're more or less in equilibrium... if sale prices are dropping, then we're in trouble... but in either case I question whether adding supply will do anything except lower prices and push the market power towards the buyer.


"If you have decided to do the degree, and are simply deciding whether to accept employer funding for it or not, take the funding. I see no difference between ""my employer doesn't pay my tuition"" and ""my employer paid my tuition but I had to pay it back because I moved on"". Therefore there is no downside to letting them pay the tuition. If you want to move on before the two years (or whatever) is up, you pay back that interest free loan. You are still ahead over self funding the degree. If you have not decided to do the degree, and are letting the employer-funded tuition figure into your decision process, stop that right now. Doing a degree is hard work. You will either work much longer hours than you do now, or live on a lower salary, or more likely both. You might enjoy it, you might be worth more afterwards, and it might open the door to a raft of careers available only to those with the degree. The actual cost of the tuition is unlikely to be significant in this decision process. Removing it (by assuming the employer pays it) should still not be done. If it's worth doing when you self fund, then do it and relax knowing you won't feel trapped at your employer even if you let them pay it (or lend you the money for it if you end up leaving.)"


With the crazy amount of fee overhead in Instacart, I am not sure if teaming up would Aldi would make sense for them. Maybe it will be different for Aldi but for a Costco order, the items were %10-15 more expensive, there was a processing fee, delivery fee and they expected you to tip the shopper. That's just crazy so I would never use Instacart again unless they provided a large discount again similar to one they do for first time customers.


It really depends on the terms of your loan. For example, some loans have a pre-payment penalty. You will just have to ask your lender to know for sure. That said. In almost all cases, you can save considerable interest by making extra payments towards the principal. Be careful though, some lenders require you to specifically mark the payment to be applied to the loan principal and if you don't designate it as such, they will just apply it as an early payment for future months and not reduce your balance until that future payment is due, which doesn't help at all. Another option to reduce your total interest costs, though more common for larger loans like mortgages, is to split the payment into multiple parts and pay more than once a month instead of a single payment each month. This only works if they calculate interest daily and would be useless if they do it monthly. They key is knowing the terms of your loan. Despite it not being in their best interest (pun intended), most lenders will work with you on a strategy to help you minimize the interest cost in the name of customer service.


Commercial banks are not allowed to create real money.  The confusion comes from the different ways money is counted.  In M2, deposits count as money.  So if you take $100 and deposit it in the bank, M2 will count the $100 deposit as money, as well as the $100 cash the bank has from the deposit.  So under M2 the money supply has increased by $100, but no real money was created.  Commercial banks can't create real money out of thin air, and they can't loan out money they don't have.


You have a loan. You can probably assume you're going to have to repay that loan, every dollar. And every dollar that's outstanding on that loan costs you interest. So assuming you're not hit by any pre-payment penalty, any dollar that you pay down on your house right now saves you a compounded R% a year, where R is your mortgage rate. It doesn't really matter whether you're planning to sell it in a few years or not. If you pay $N, you'll save the interest + $N taken from the sale price and sent to the bank when you sell the house and move (though you might get a tax deduction on the interest). If you have a better place to park your money and earn a decent rate of return, it would be worth it to do that instead of paying down the mortgage. If you had another loan with higher interest rates, that's probably a better loan to pay off. If you can spend some of all of it on something that's actually genuinely worth R% of its purchase price a year (plus whatever the wear and tear takes away from its value, if anything) then spend it on that instead; that'd be a better investment. (For instance, investments in the stock market may offer better returns. However, that's risky! Observe that you can't lose money paying down your mortgage, and that Safety is usually relatively expensive these days, so it's not a bad deal. But if you're talking about using it for long-term retirement savings that are tax-advantaged to boot, that's another matter.) If you already have ample emergency funds and were just planning on putting the money into a savings account to rot at ~1.35% taxable interest, it's definitely worth it to pay down your balance now, unless you're about to sell (so the savings are slight) and it's a real inconvenience.


I am glad you agree that it makes much more sense to invest in your children now so they can enrich our society later rather than neglect their basic, human needs in a misguided attempt to punish their parents.


Long story short, 8% turned out to be the tipping point because it was the average subordination level of the A rated tranches of the subprime MBS bonds.    The reason this was the magic number is because of the way bonds were placed during the period.  Basically no end user wanted to take on the risk of buying below A-rated paper, so instead of being sold directly, these BBB rated and below bonds were re-packaged into CDOs and tranched off.  Again, the higher rated paper was sold off to whomever, while the BBB and below stuff got reshuffled and repackaged into other CDOs or CDO^2 , further levering up the initial subprime bonds.    Now, back to the magic 8% number. Remember how I said that 8% was the subordination level for the A rated subprime paper? The other way of saying that is once defaults reached 8%, the BBB and below tranches of the the MBS were completely wiped out.  Since the CDOs were largely made up of these BBB and below MBS, once they started getting written down so did the CDOs.  When the lower rated CDO tranches started to go, because they were also repackaged in the same way, it just continued the negative feedback loop and before long even the  AA and AAA rated paper was seeing massive losses.    As more and more supposedly safe paper started to get wiped out, highly leveraged CDS contracts started coming due, causing AIG (which had written contracts on over $500 billion in assets) to get downgraded by the rating agencies, putting it on the brink of going under.  Because basically every major bank had exposure to AIG, had they gone under, the other banks would have all had to write down those contracts at the same time, essentially causing the entire financial system to collapse.


"As someone who founded and owns a bakery and employs about 20 people this is my advice:  1. Clean the toilets.  Show that you're willing to do whatever it is you're asking your people to do.  2. Solicit negative feedback often and then take steps to act on it.  If you don't act on it explain your reasons.  Make sure they're good reasons.  3. Deflect credit at every opportunity.  4. Hold people accountable.  Being nice to an employee who's not doing their work or doing it poorly is simultaneously being an asshole to the employees who are.  The compassionate thing is to make a quick, decisive break with incompetent or lazy people.  -Also, being wishy washy is incredibly expensive.  My largest mistake early on was not being able to say ""you're incompetent at this job and you're fired.""  Instead I gave a wishy washy ""we don't really need you anymore"" and they filed unemployment falsely.  It ended up increasing my unemployment insurance and thereby raised my payroll by 3% indefinitely."


At least you did it right.  The earliest lesson I had with this concept was from a friend who got hired for a summer to put page numbers in pdf documents (this would've been back when formatting pdf docs was still classified under Magic).  She unfortunately like many of us stupid kids thought the world was a nice place. She just auto-formatted the page numbers in and then taught others how to do it...  Big mistake as she got terminated shortly after with the job finished.


"Their high savings isn't why they have to export capital, the issue is that domestic depositors don't have access to the sky-high interest rates over the last 2 decades in China. There is definitely correlation between asset levels and debt.  I miss-typed in my previous post. I meant to say that the amount of debt is overstated, precicesly because wealth is high relative to income due to the high savings rate.  Ultimately, there isn't a good answer yet to your question. The seminal work (which has received many updates in the last 6 years) that first attempted to understand the disconnect between the ultra-high interest rate in China and the high levels of capital exports is called ""Growing Like China,"" by Song, Storesletten, and Zilibotti published in the American Economic Review in 2011.  Global debt according to the IIF is 327% of GDP. So China is actually a little below average in terms of total debt to GDP. And when you're growing at 5%+ a year, it is okay to lever up a little bit.   On top of all of this, the Chinese government is well aware of these issues and will almost certainly make some comments October 18th and over the next week about constraining debt growth.  This is all complicating the issue though, when you have a huge supply of money to lend, interest rates fall and companies take on more debt. So in general you would expect savings and debt levels to move together."


Thats a LOT of assertions without data to back it up. How would you know that the jobs they get pay less? How would you know  that this happens with enough prevalence to pull the average down?  You're just backing your arguments up with thin air.   At least the author is using some data to back up his conclusions. It may have some other nuances, but I doubt he is outright wrong, unlike you.


If you know you will have a big bill, like braces. and you fully expect to hit the deductible then it can make sense. The deductible can trip some people up, because if they put too much into the limited purpose FSA and don't hit the deductible for the regular insurance policy, they can't get to all the money in the FSA. Because you have the ability to spend the potential money in the FSA before all the money has been contributed, it can allow you to make that payment for the braces in January. I did this the first year we had the HSA. I knew I needed to pay a dental bill early in the year. But the HSA would only have a few hundred dollars at that time, so I used the limited purpose FSA to be able to make that payment. This could also work if you spent a lot of money in the previous year. Because you have the ability to adjust how much money goes into the HSA each each pay period, this idea does keep the option open to fully fund the HSA if your finances improve. Regarding the deductible.  The law limits what you can use the limited purpose FSA for: dental and vision only. There is an exception. If you hit the deductible for the high deductible insurance policy, then you can use the funds in the limited purpose FSA for ANY medical reason.  When I did this a few years ago, I needed to send extensive paperwork to the company holding the funds before they would release the funds for dental. Once I sent them proof that I had met the deductible, then any medical expense after that date could use the FSA with minimal paperwork. If you fully fund the FSA beyond the cost of the braces, and then have a light year medical expense wise, you might not be able to spend all money in the FSA by the deadline. Regarding state taxes.  I saw no difference in my states (Virginia) treatment of the funds. The state taxable income number was exactly the same as the federal taxable income number. It did not treat the money in the FSA differently than the money in the HSA.


There are a sizable chunk of left handers in the world and often, left handers face difficulty in using normal scissors. As such, many left hand scissors are manufactured to cater to the needs of left handed persons. Often hair stylists who use the right handed scissors face a problem in doing the hair cut.


"This is the best tl;dr I could make, [original](https://www.vox.com/identities/2017/7/7/15929196/police-fines-study-racism) reduced by 92%. (I'm a bot) ***** > Using data from more than 9,000 cities, the researchers first found that cities with larger black populations rely more on fines and court fees to raise revenue.  > The average collection was about $8 per person for all cities that get at least some revenue from fines and fees, but that rose to as much as $20 per person in the cities with the highest black populations.  > One possibility is that black politicians are more receptive to black voters&#039; concerns, so they&#039;ll often hear complaints about fines from their black constituents and tell the local police department to stop exploitative practices.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6npjp1/one_of_the_most_extensive_studies_of_its_kind/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~168330 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*: **black**^#1 **police**^#2 **city**^#3 **more**^#4 **study**^#5"


If it has anything to do with the US, the US has to be the worst.      It's like an experience my friend had in the mid-nineties where some emo douche who overheard our conversation about his coming to the US berated him for claiming that life in the Ukrainian SSR was much worse than life in the US and that he was either stupid or blind for not recognizing that reality.      Said emo douche got a punch in the face from my friend.


> An additional problem, according to the head of an industry group, is that jewelry sellers have lost a deeper connection with their customers. >“The industry has become so impersonal in many ways. We’ve lost the emotion,” Jean-Marc Lieberherr, CEO of the Diamond Producers Association,  points to retailers’ efforts to focus shopper attention on certificates that verify a diamond’s quality -- perhaps only slightly more romantic than a low-risk mutual fund.


People could acquire dependent on any point-any game, any sort of nourishment example, any kind of recreation action or considering. In any case, dependence on smoking with glass pipe art is every now and again alluded to as one of the terrible undertakings around the world. Since smoking is essentially seen as taking in the vapor of tobacco, that has been clinically affirmed to be hurtful to wellbeing, smokers are generally prescribed to surrender smoking. Underneath I am not going to support the smoking propensity.


As the article says, selling warranties & one on one tutorials is a benchmark for individual sales ability.  I don't know about Prada, but yes - many upscale department stores do still offer commission. And just about *every* store has something to upsell you on.  I don't mean to debate the merits of a commission-based sales system; I'm just pointing out that the competition (Sprint/Verizon) use one. And pay better as a result.


"It all depends on your loan contract, and the way most are written, the 10 day thing will not help.  However, assuming that the contract is written in such a way to allow this, the difference will be negligible. By ""saving money"" I assume you mean the amount of interest paid.   There is really two ways of doing this.  If you carry the loan to term paying the indicated amount on the due date you will pay $6,140 in interest.  An increase of over 33% to the cost of the car.  Yikes, that is a lot of money.   You should seek to minimize your interest expense.   One way to do this is to reduce your rate.  Applying for a new loan that is at a more reasonable 6% and continuing to pay the ~285 per month will reduce the term to 59 months and only cost you $2,245 in interest.  A large savings.   Even better is to work a second job and earn an extra 1,000 per month.  Then bundle it with your 285 payment and shoot that at the loan.  This way you will only pay $965 in interest, and have it paid off in a year.  Once you do that, you can stick $300/month or so in a savings account or other investment and pay for every other car in cash.  Making choices like these leads to building wealth.  So the question becomes do you want to spend the rest of your life on the hamster wheel of car payments, or do you want to spend one year in pain so you make smart choices in the future?  The choice is yours."


"> What about single earner families trying to support 1 or 2 children on minimum wage?  What about single earner families trying to afford a new corvette on minimum wage?  >Besides the obvious, ""probably should be having children if you can't afford a roof over their head"" part.  Nope, that's it."


A $250K earner might have $4M in retirement savings and $500K in available funds, but doesn't wish to spend all his liquidity on the house. In general, a house might cost 2-3 times one's annual income. It would take many years to get that saved up. They might want to have the house sooner.  It all goes back to choice, priorities, personal preference.


Not to mention that he probably worked more overtime than anyone here has ever pulled, lives in a city where the cost of living means that he's only doing sort of well, has to deal with the shitty New York weather, and has people's lives in his hand.


If businesses cannot turn a profit while paying for a healthy minimum wage, they are bad for the economy and deserve to die. Wages are a business expense and must be allowed to react to the factors that naturally shift that expense. Subsidizing businesses by keeping wages low hurts the economy in the long run by reducing the ability people have to buy goods and services. Labor is not the only cost a business incurs, and increasing wages does not correlate to a 1:1 price increase.


"I was told by the lawyers there was no tax consequence because the two   numbers were the same. That is correct. However, a tax professional tells me that since the start-up stock was   ""realized"" there invokes a taxable event now. That is correct. I'm now led to believe I owe cap-gains tax on the entire 4 year vest   this year That is incorrect. You owe capital gains tax on the sale of your startup stock. Which is accidentally the exact same amount you ""paid"" for the new unvested stocks. There's no taxable event with regards to the new stocks because the amount you paid for them was the amount you got for the old stocks. But you did sell the old stocks, and that is a taxable event."


Minneapolis is totally underrated, I agree. One of the more surprisingly cool US cities imo.   I had a similar experience the first time I went to Pittsburgh too, not long ago. I spent the whole week talking myself out of impulsively just moving there. Did not expect that at all.   I guess neither were necessarily 'underrated' per se – more like under-acknowledged for their coolness.


"> Though high maintenance is awesome      ""Though"" is an insult to High Maintenance here. Disjointed is a pathetic excuse for a ""millennial weed"" sitcom with a goddamn laugh track. High Maintenance is a modern miniseries that explores interesting tropes in New York City - and obviously, as a self-respecting show, with no laugh track. The two aren't even on the same plane. HBO wins here."


Because you have maxed your 2011 contribution, you can't add any more for 2011. If you have 2012 income you can make a contribution anytime between now and April 2013. Only you can determine if this makes sense for you, but there doesn't appear to be any reasons to suspect you can't do this. (this was based on your comments to the original question)


If you know what you are doing, bear markets offer fantastic trading opportunities. I'm a futures and futures options trader, and am equally comfortable trading long or short, although I have a slight preference for the short side, in that moves are typically much quicker to the down side.


Consider the following scenario at a small business: As a business owner I have 10k in the bank at the moment. I have a one time expense of 4k that will not directly impact the growth of my business. I can choose to pay the 4k out of the 10 in the bank and then put the rest towards business growth. Assuming a 10% annual return on capital at the end of this transaction I am left with $6,600. Now if instead I chose to pay the 4k with a business credit card I have that only carries a 7.9% interest rate what would happen is that I incur a 4k balance that I have to pay off in a year and put 10k towards my business. Now, this is a simplified case that does not take into account the effective interest on the card and the minimum monthly payments. That being said, what happens in the end of the year is that I owe $4316 to my credit card but I now have 11k  in the bank, due to business growth. That leaves me with $6,684 after a year's worth of operations, which is better than my original $6,600. This is a small scale scenario though, but the basic idea is that if you can put the money towards growth that is better than the interest you are paying to the card, you win. The risks of course include missing a payment and incurring a penalty, not being able to grow your money at the rate you thought, and so on. Hope this explains things a bit.


I converted my downstairs of my house to a suite with an eye to AirBNBing.  But I also make money renting it out (I live in a resort town with ridiculously high rents).  So far, I haven't tried AirBNB because renting it out on yearly contracts seems like less total effort and I make 1100 gross per month (net is probably closer to ~800)  I have no idea if I could make more on AirBNB.  Maybe one of these years I'll try it for a few months.


This is at the bottom of my list of concerns, as both an employee and an employee.  When hiring, its because I have work that needs to be done.  I want to get someone in as quickly as possible, so I really don't care about holidays.  Holiday pay also doesn't come out of my budget, so that doesn't enter in the decision. As a employee, if I'm unemployed I want to start as soon as possible.  If switching jobs, I'm going to get paid for the holiday at one job or another, so it really doesn't matter.  The last time I changed employers, I started the second week of January.  That was more driven by moving concerns than anything else.


Check out some common portfolios compared: Note that all these portfolios are loosely based on Modern Portfolio Theory, a theory of how to maximize reward given a risk tolerance introduced by Harry Markowitz. The theory behind the Gone Fishin' Portfolio and the Couch Potato Portfolio (more info) is that you can make money by rebalancing once a year or less.  You can take a look at 8 Lazy ETF Portfolios to see other lazy allocation percentages. One big thing to remember - the expense ratio of the funds you invest in is a major contributor to the return you get.  If they're taking 1% of all of your gains, you're not.  If they're only taking .2%, that's an automatic .8% you get.  The reason Vanguard is so often used in these model portfolios is that they have the lowest expense ratios around.  If you are talking about an IRA or a mutual fund account where you get to choose who you go with (as opposed to a 401K with company match), conventional wisdom says go with Vanguard for the lowest expense ratios.


The initial beneficiary of 529 plan can be virtually anyone you choose--even yourself.   529 deductions are not deductible from federal taxes.  You have about a 60% chance of living in a state that allows you to deduct contributions to your state's plan from your state taxes.   I'd be more specific, but your profile is pretty much empty and there's no location info to assist me in determining if this applies to you or not. if that does apply I'm pretty sure it's limited to earned income, so you get little benefit from depositing the loans, and it generally only applies to YOUR state's plan. The major benefits to 529 plans are that the money grows tax free, and withdrawals are not subject to taxes.  However if you are not investing long term, then it's pretty hard to gain much from those benefits. Since you have such a short time horizon, you'll want to make sure the plan investments are directed to very low risk vehicles like a money market fund. One of the better sources for 528 info is www.savingforcollege.com


Sorry, you're in /r/business. Please refrain from corking the pitchforks - these important folks have got the whole world figured out already, and coincidentally it all coincides with what they already believed to be true.  Everything is the fault of global financial crises and hysterical predictions about the future are key to our very survival as a society. Nothing could possibly be due to simple, inane market forces.


"True!   And I assume that by ""attitude"" you mean ""bad attitude"".  So, yes, bad attitudes, also back stabbing, stepping on others, flattering and ass-licking of thos higher, ""social skills"", in many cases (not all) is more important than skills and talent."


Sorry for misunderstanding, but your point still isn't realistic. The government can't afford massive amounts of cash, unadulterated or otherwise. The idea that we can print money out and just pass it out like candy has caused so many problems right now it is unfathomable. A better solution is to just fix the economy so kids can get good paying jobs and pay their loans back. We can't afford these kinds of freebies, we've just been living like we can.


I don't think there's a conclusive answer to your question, but I have a real world example for you.   I was in a similar situation for almost 6 years (I was the friend, but also the one with the highest pay). I rented a house, my name on everything. I made a separate contract with both my friend and his GF and they both rented a room from me. I looked up the total m2 of the house and divided the rent by that number. Multiplied by room sizes I knew what everyone had to pay for their personal space, I simply divided the rest by 3 to find the remainder of everyone's rent.   I don't know the numbers anymore, but here's an example: house = 150 m2 room 1 = 10 m2 room 2 = 15 m2 room 3 = 25 m2 shared space = 100 m2 rent = 800,-   This gives 5.33 per m2 The shared space is worth 533.33 Divided by 3 is 177.77, So the total rent for each room is: room 1 = 10*5.33 + 177.77 ≈ 231 room 2 = 15*5.33 + 177.77 ≈ 258 room 3 = 25*5.33 + 177.77 ≈ 311   We divided the rest of the costs (gas, power, water, etc...) evenly. This was fair in our case, because the rent was directly tied to the size of the rooms. The only thing we had left to do was give the poorest person the smallest room.


Step one: come off as a real-life Tony Stark, inspire the world to change for the better whilst also supplying the whole country/world with your vehicles. Step two: when it's time for Elon, lock down all vehicles so we're all sitting ducks.


"Zimbabwe is in its current state because they did not respect the property rights of the wealthy farmers and redistributed farm lands to poor people who did not know how to manage it. They literally went from the bread basket of Africa to needing 100 trillion ""dollars"" to purchase a loaf of bread."


You can either get the right door knob for your home or consult glass door accessories manufacturers to get the best suitable knob for your door. Door knobs are not the type of products you buy from the market as a gift, so you have to ensure about the selection of the door knob for your home


Bad concept. American sprawl is still part of the landscape and until we start seeing mass migration back to dense urban living scapes bigger cars will prevail.  It's not so bad when you can buy a Honda Accord sedan that gets 40+ mpg....I so badly want revolution but the fact is transition will take longer than anyone really imagines.


In my opinion, I would: If the income is from this year, you can tax shelter $59,000 plus somewhere between $50,000 and $300,000 depending on age, in a 401(k) and defined benefit plan. This will take care of the current tax burden. Afterwards, set aside your remaining tax liability in cash. The after-tax money should be split into cash and the rest into assets. The split depends on your level of risk tolerance. Build a core portfolio using highly liquid and non-correlated ETFs (think SPY, TLT, QQQ, ect.). Once these core positions are locked in. Start lowering your basis by systematically selling a 1 standard deviation call in the ETF per 100 units of underlying. This will reduce your upside, extend your breakeven, and often yield steady income. Similarly, you can sell 1 standard deviation iron condors should the VIX be high enough. Point is, you have the money to deploy a professional-type, systematic strategy that is non-correlated, and income generating.


The Securities Investor Protection Corporation is roughly analogous to the FDIC for investments.  There are some important differences like a lack of 100% guarantee you get all of your funds back. The SIPC understands you invested knowing there was some risk, and therefore you take that same risk in getting your money from a failed brokerage.  However there is still a level of commitment and trust that lessen the risk of investing in the wrong place. Also, do not typo the acronym at your work computer.  In the US (and perhaps elsewhere) it is a racist term, and you are likely to get some bad search results. http://www.sipc.org/how/brochure.cfm


"Even worse: many more times, companies will go through an $8 million project to fix an ""issue"" that costs $20.  Just 2 examples from my company:   1. A big project to automate the entry of 2 invoices per month from a supplier. Is would take an employee less than 10 minutes a month to enter those 2 invoices manually into the system.  2. A big project to provide a website for employees to buy the company's products (""employee sales""). I showed that on average, less than 1 order is placed per day, except December when the company has extra discounts, and then there are 3 sales a day. My solution: offer a coupon for employees to buy the same products on the existing B2C site.  P/S: Yes, I did the 1st project. Why would I complain and point out the obvious? Those silly projects are more than a job security for me. I would probably even get a prize for ""job well done!""."


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I like how you ignore the larger point that Obama has no business experience and that is what we need most at this time.  Romney isn't perfect by far but a much better choice than another 4 years of this shit.


What is the question?  A total return fund seeks to just maximize total returns, as opposed to benchmark tracking, low vol, high vol, sectoral, whatever, this is just a name you gotta read the long prospectus to see how they are supposed to go about doing it.  Fixed income investing DOES NOT rely on on interest rates, it relies on the movements of interest rates (this is a key difference).  When economies are doing poorly, there is a flight to quality (everyone is scared and lends only to governments) driving government interest rate downs and increasing the spread between government rates and corporates.  My usual advice is There is never a good time to buy a mutual fund :P, better to buy an ETF or a portfolio of ETF's that correspond to your views.  You need to sit down and ask yourself what type of risk tolerances you're willing to take as mutual funds by construction deliver negative alpha due to fees.


"Two types of people: (1) Suckers (2) People who feel that investment advisors/brokers make too little money and want to help out by paying insane commissions. Think I'm kidding. Check out this article: ""Variable Annuity Pros and Cons"" Seriously, for 99% of us, they are a raw deal for everyone except the person selling them."


Unfortunately I live in a second tier city with Comcast as the sole option. When I used to live in D.C. and Chicago there were multiple choices (AT&T U-Verse, VZW Fios).  Even still, I dropped Comcast for DirecTV + DSL. There is a slight difference in speed at the top end, but I have not had any issues with streaming TV or Movies or Xbox online.


> You realize that the postal union was in favor of this, right?  I don't think that's true.  From: https://www.google.com/amp/www.cnbc.com/amp/id/45018432  > The Postal unions are urging Congress to allow the Postal Service to stop making these prefunding payments.  What am I missing?


Interesting read..  But to answer the question..  > Why do you think people are poor?  It's because they are held under a glass ceiling.  Welfare doesn't keep them alive, it keeps them content.  It robs them of motivation and breeds communities of poor families that will stay poor for generations.


It's telling how Taibbi uses numbers like $3.7 trillion (which is the size of the bond market) instead of the size of municipal bonds, which is where the fraud took place (even by Taibbi's own admission), a market totaling $800 billion over years 2007-2008.  He consistently chooses numbers to make his stories seem much more egregious than reality. Reading the actual case PDFs shows a much smaller, less well orchestrated fraud than Taibbi's pablum.


Always a good time to buy gold. Think less in terms of commodities, more in terms of true money that can not be inflated out of existence. Buy it as cheap as you can, hold it for as long as possible. The historical graphs never lie and it proves time and time again its a good store of value. I would never think of it in terms of a speculative bet though. If it does reward you, its because the global currency system is broken. I think its broken, it may reward you. But never expect it to reward you. In the short term (2-3 years), the gold price can be manipulated. In the long term (10 years) less so.


RICO charges merely need evidence of a conspiracy from the higher-ups to direct illegal actions to the lower ones.   >The RICO Act focuses specifically on racketeering, and it allows for the leaders of a syndicate to be tried for the crimes which they ordered others to do or assisted them, closing a perceived loophole that allowed someone who told a man to, for example, murder, to be exempt from the trial because they did not actually do it.  I'm waiting for a direction document with Jamie Dimon's signature and a attorney general with a set of balls.


If interest rates are negative, a 0% load might still be profitable.


A board authorizes the repurchase of shares because they feel the stock in undervalued. The hope is that the stocks will rise either directly by their repurchase, or in the near term due to the realization that the company is in better shape then the market thought. Eventually those shares will be resold back into the market thus bring in more cash at a later date.  They will set limits on them maximum they will pay, they will also spread the repurchases out over a time period so they don't overwhelm the market.


I think you're looking a step beyond the question being asked. This is a pretty simple accounting question that doesn't take into account any other activity, like earnings generated during the time period by the employee being paid. It's far more simple. Unpaid wages accrue to liabilities, assets remain constant because no cash leaves the door, this equity decreases equal to the change in liability. He's not deferring an expense, he accrued it at the time the work was done, he simply hasn't paid it. That's not the same as a DTA.


"From the Social Security site,  In the case of early retirement, a benefit is reduced 5/9 of one   percent for each month before normal retirement age, up to 36 months.   If the number of months exceeds 36, then the benefit is further   reduced 5/12 of one percent per month. And for a delay past normal retirement age, there's an 8% per year increase in benefit for each year you delay.  I believe the ""return it all"" option was discontinued.  There's far too little information in your question for anyone to give a comprehensive answer. In general, one needs to look at a number of variables including their taxable income with and without the social security benefit as well as their health to determine the optimal SS start date."


"For practical purposes, I would strongly suggest that you do create a separate account for each business you may have that is used only for business purposes, and use it for all of your business income and expenses. This will allow you to get an accurate picture of whether you are making money or not, what your full expenses really are, how much of your personal money you have put into the business, and is an easy way to keep business taxes separate. You will also be able to get a fairly quick read on what your profits are without doing much accounting by looking at the account balance less future taxes and expenses, and less any personal money you've put into the account. Check out this thread from Paypal about setting up a ""child"" account that is linked to your personal account and can be set up to autosweep payments into your main account, should you like. You will still be able to see transactions for each child account. NOTE: Do be careful to make sure you are reserving the proper amount out of any profits your startup may have for taxes - you don't want to mix this with personal money and then later find out that you owe taxes and have to scramble to come up with the money if you have already spent it This is one of the main reasons to segregate your startup's revenues and profits in the business account. For those using ""brick and mortar"" banking services rather than a service like Paypal: You likely do not need a business checking account if you are a startup. Most likely, you can simply open a second personal account with your bank in your name, and name it ""John Doe DBA Company Name"" (DBA = Doing Business As). This way, you can pay expenses and accept payments in the name of your startup. Check with your banker for additional details (localized information)."


LC WebPros provide the best service of videography and photography in Gainesville. We have the best professional Videographers know they need good shots of the main events. If you want to best wedding photography gainesville fl, then we are the best platform for you. Make an album through our photographer your groom and guests will see he is there and there will be camera lights, but he won't really be distracting or obtrusive.


A website is the front page of your services. people usually tend to visit your website first before viewing your youtube uploads. So to answer your question yes it is important to have an updated website which has a blog attached but it does not have to be too fancy. A simple business site is all that is required.


Can't beat his [advice for anyone planning on taking the CFA exam for no real reason](http://dealbreaker.com/2011/12/advice-for-anyone-else-planning-to-take-the-cfa-exam-for-no-real-reason/), which has such gems as:   > The thought process that leads you to wear your oversize CORNELL BIG RED sweatshirt to the exam is probably the wrong thought process. *Your Tiger Inn sweatshirt is worse.* If your goal is to intimidate the people around you, just do what I did: leave the morning session an hour early and come back visibly drunk for the afternoon.  I mean the fact that he passed after only studying for a week shows he probably knows what he's talking about.


"I'm looking for you to use something more credible to back up your assertions.  >The increased use of tasers among police who actually have tasers?   As opposed to them potentially having to use firearms in those situations because there's no better alternative to stop a dangerous person from harming themselves or others?  I'm sure that some officers user tazers as an easy solution, but if you insist that this is always the case then you're patently wrong.   >The increased use of SWAT teams by police forces with SWAT teams?    As opposed to the increase use of SWAT teams due to more situations requiring such level of armed response?  ""Causation does not imply correlation"", or so you should know if you've been on reddit for a year.    The slippery slope is your implication that any improvements in police response capabilities somehow automatically lend themselves to overuse and, thereby, abuse.  Give the police a less-than-lethal way of dealing with a threat? Clearly they're going to start tazering everyone's grandma.  Give the police better ways of dealing with dangerous criminals who arm themselves better than some militaries?  Almost certainly the police are going to use this gear for routine traffic stops.  Reading your naive perception of the world makes me concerned that you may think yourself actually fit to vote."


Now, keep in mind I'm biased because I'm an engineer at this company, but FutureAdvisor.com provides advice on your savings and investments.  We currently help users optimize their portfolios for retirement savings, but plan on rolling our more savings goals in the future.


Fast Forward 40 - 45 years, you're 70.5. You must take out ~5% from your Traditional IRA. If that was a Roth, you take out as much as you need (within reason) when you need it with zero tax consequences. I don't know (and don't care) whether they'll change the Roth tax exclusion in 40 years. It's almost guaranteed that the rate on the Roth will be less than the regular income status of a Traditional IRA. Most likely we'll have a value added tax (sales tax) then. Possibly even a Wealth Tax. The former doesn't care where the money comes from (source neutral) the latter means you loose more (probably) of that 2.2 MM than the 1.7. Finally, if you're planning on 10%/yr over 40 yrs, good luck! But that's crazy wild speculation and you're likely to be disappointed. If you're that good at picking winners, then why stop at 10%? Money makes money. Your rate of return should increase as your net worth increases. So, you should be able to pick better opportunities with 2.2 million than with a paltry 1.65 MM.


A lot of modern pharmaceuticals are derived from coal tar.  There are lots of ways to make aspirin as you can see [here](http://www.madehow.com/Volume-1/Aspirin.html) , but it was originally produced from a coal tar derivative which you can read about [here](https://skeptoid.com/blog/2014/05/22/the-mythology-of-asprin/) .  For a more scholarly scholarly source regarding aspirin and coal tar I would suggest [this](https://www.amazon.com/German-Genius-Renaissance-Scientific-Revolution/dp/0060760230) fascinating book.  Aspirin does not come from willow bark, although a similar and less effective drug is found there.


"Hey guys I have a quick question about a financial accounting problem although I think it's not really an ""accounting"" problem but just a bond problem.  Here it goes    GSB Corporation issued semiannual coupon bonds with a face value of $110,000 several years ago. The annual coupon rate is 8%, with two coupons due each year, six months apart. The historical market interest rate was 10% compounded semiannually when GSB Corporation issued the bonds, equal to an effective interest rate of 10.25% [= (1.05 × 1.05) – 1]. GSB Corporation accounts for these bonds using amortized cost measurement based on the historical market interest rate. The current market interest rate at the beginning of the current year on these bonds was 6% compounded semiannually, for an effective interest rate of 6.09% [= (1.03 × 1.03) – 1]. The market interest rate remained at this level throughout the current year. The bonds had a book value of $100,000 at the beginning of the current year. When the firm made the payment at the end of the first six months of the current year, the accountant debited a liability for the exact amount of cash paid. Compute the amount of interest expense on these bonds for the last six months of the life of the bonds, assuming all bonds remain outstanding until the retirement date.  My question is why would they give me the effective interest rate for both the historical and current rate?  The problem states that the firm accounts for the bond using historical interest which is 10% semiannual and the coupon payments are 4400 twice per year.  I was just wondering if I should just do the (Beginning Balance (which is 100000 in this case) x 1.05)-4400=Ending Balance so on and so forth until I get to the 110000 maturity value. I got an answer of 5474.97 and was wondering if that's the correct approach or not."


Summarized article: On Friday, the Dow Jones Industrial Average dropped almost 275 points and wiped out the last of the index's gains for the year.   Friday's massive selloff was triggered by a dismal US jobs report and data indicating a European and Chinese economic slowdown. Friday was the worst day of the year for the market.   Worried investors moved cash to the US Treasury bond market which also dragged the yield to a record low.   Some analysts believe the panic in the market may cause the Federal Reserve to plan for additional stimulus.   Federal Reserve Chairman Ben Bernanke is scheduled to speak next week.   *For more summarized news, subscribe to the [/r/SkimThat](http://www.reddit.com/r/SkimThat) subreddit*


">millenials will all of a sudden start making a **shitload of money** in 10-20 years.  Somebody has to empty the bedpans of (not to mention ""wipe the arses"" & give sponge-baths to) the bed-ridden nursing home & hospitalized Baby Boomers.  Just make certain you charge enough (and only accept ""tips"" in the form of cash -- like $100 bill for a *good* sponge bath, or a thorough ""wipe"").  That way it really COULD be a ""shitload"" of money. (Because what goes in must come out... and what goes around comes around, and all that.)  ;-)  ---  >Many will be stuck in menial jobs their entire lives, simply because noone would ever give them the experience needed.  Yes, but ""menial jobs"" does not necessarily mean ""low paying"".  Ask your garbage man (or your plumber, if he'll bother to give you the time of day to ask the question that is).    When just about EVERYONE wants to be a college professor, and NO ONE wants to collect garbage; guess which one will make better money?  Someone has to collect all the garbage those college professors generate (and if that someone is ""rare"" then he can charge those professors a lot).  Its all about supply vs demand."


"Admiral Share class comes with a low expense but higher minimum investment amount. Think of it as a wholesale deal. From Vanguard's website - Admiral™ Shares are a separate share class of Vanguard mutual funds that were created to pass along the savings that result from larger accounts to the investors who own them. Regarding the minimum investment amount, if you look at other prime money market fund and the corresponding ""wholesale"" version (different institutions use different names: Admiral Shares, Capital Class, Institutional Class etc.), you will see some with even bigger differences. For example, FIPXX requires $10mil."


"Plus one to Alexandre for pointing out this is possible.  It is also possible to run with scissors, and I would recommend neither.   Your money problems are very small and doing something so dramatic to solve them will probably put you in a worse financial decision.  Why would you put your home, at risk, to pay off such a small amount (less than 5K)?  The ""one payment"" or consolidation mantra, for a person like you, will often lead a person into reoccurring the same debt and having the consolidation loan.  You don't need one payment you need no payments. First off stop borrowing. Second increase your income by working more or selling stuff.  You might want to clean some houses, baby sit, or mow some lawns instead of the traditional job. Third decrease your spending.  Let your loved ones know it will be a lean Christmas this year.  Cut cable as you won't have time to watch TV anyway. If you do all that could you find $1000 per month?    I bet you could find more.  Doing all that and you will be done in 5 months and still own your home outright.   You are a great candidate to pay off your bills by the snowball method, or smallest to largest.  While it may not be, on paper, the most mathematically efficient it helps people with motivation and hope.  It sounds like you could use that.  List your bills smallest to largest and pay off the smallest first while paying minimums on the rest.   You can do it!"


There are two solid years of Gen ed classes you can take. I do recommend taking them first for lots of reasons. Your major specific classes will mostly be upper level, and you will benefit from taking classes in a similar order as their class codes indicate they are meant to be taken (100's first, then 200's so on) at least roughly. You aren't going to get to any finance classes for a while anyway, as I can pretty much guarantee you are going to need macro and micro econ and two accounting classes before you can even take a basic finance class. So don't worry so much about your major right now.


"That money has to come from profits? Tell the fed, because they're focusing on lending & interest rates!  You can't look at one part of the equation and claim the totality of a solution has to come from it.  And you need to model for an *optimal* rate of taxation. Just saying ""lower taxes are better"" implies your ideal rate is zero. If that's the case, state it and I'll debate that claim in it's merits."


Here in Denver, the local Kroger chain went into grocery pickup in a big way about 18 months ago. They carved off part of the retail space at the front of select stores and installed coolers & storage lockers for holding orders placed online, and also grabbed a couple of close-in parking spots and put in hard-wired call boxes on yellow stanchions so people could drive up and announce they were ready to have someone wheel out their groceries. About three months ago they quietly removed all the visible equipment, although I think the storage areas remain. I'm just not sure how profitable it was for them.


+1 for using the time constructively.  Anyone who sits around doing nothing, and waiting for someone to tell them what to do is not going very far in the world.    Not a comment on the OP, as I don't know if he sits around doing nothing, or spends all the time doing really boring work.  The latter sucks, and all I can suggest for that is either quit or be the best at the job that you can (but not so good that they don't want anyone else to do it).


"> Why would he have had to have known about Sony's patent application. He explicitly stated he didn't know about it until after it was awarded.  As I noted the whole timeline simply DOESN'T match up with reality (*at all, no matter HOW desperately one contorts the timeline into trying to make it ""plausible""*).  I think he has not only (at the least) dramatically ""rewritten"" his own memory, and ""embellished"" the story... but that most probably he was entirely mistaken as to what actually happened in the first place.  Again, at best (and even this is a a rather dubious contortionist stretch), I think ""Junior"" *maybe* came up with a crude (almost crayon like) drawing of the ""germ"" of an idea relative to CRT's after reading some ""pop-science"" article about CRT's... and then ""Daddy"" (who was apparently a Wall Street Lawyer) indulged his son by having a patent attorney look at it, and then came back and told junior some cock & bull story about having been ""beaten"" to the patent.  And it probably didn't go any further than that... other than in the fervent imagination of a teenager.  Who then repeated the story... and slowly modified (and later embellished) it as the years went on.  >how many kids his age do you think were even coming up with crappy, unoriginal TV designs, and how many of those went on to become marketing guys?  LOL.  Go to any sizeable bar and talk to a number of people; ask them if they ever had an ""idea"" that was later patented and became a ""big time"" thing -- you'll end up with HUNDREDS of similar ""well I had this idea once for _____"" stories, and a lot of them will come from when they were teens or twenty-somethings... very few of them have even a tiny kernel of ""truth"".  Now granted most of them will NOT talk about having ""applied for a patent"" -- but than again, most of them didn't have an indulgent father who was a well-connected Lawyer either.  >He could reason and understand about technology, its potential, and its impact in a way that a lot of CEO's at the time couldn't.  Actually, all of the evidence is that he was essentially CLUELESS about even rather basic technology -- in the extreme.  As the Apple CEO, he was a ""fish out of water"" -- but, given that the advertising & PR people had already (once) done the ""let's dress up our CEO as a 'technical wunderkind visionary"" (with Jobs) -- they simply did their best to repeat the same thing (with even *less* basis in reality) with Sculley.  And of course subsequently -- he's been coasting on (and trying to capitalize on) that bullshit ever since.  He probably should have just gone back to the beverage & advertising world; but by then I think he had begun to *believe* his own PR myth, and his ego just wouldn't allow for admitting the truth."


"recently there has been an increase in Companies charging a Credit Card surcharge, the current law does not fix the amount so therefore company's can set there own surcharges, which means you can pay different surcharges at different places. In the ""Money"" magazine a couple of months ago there was an interesting article that discussed a possible cap that was going to be introduced to cut down on the fluctuations of Credit Card surcharges as some places are generating revenue by abusing the Credit Card surcharge. Something to keep in mind is to ensure when using a Debit card you are not charged the surcharge. some businesses will treat the Debit card the same as a Credit Card."


Could you not just say that you had bought it when it was pennies on the dollar and made the millions that way? There isn't much of a transaction record, is there? I also just realized that I don't understand how taxes work in that situation. If you have a different currency from the U.S. Dollar, and it increases in value greatly, do you have to pay tax on that increased value relative to the U.S. dollar? They don't when it's minimal increases.


Hey iDade  I work for a bulge bracket firm on a top 10 institutional consulting team in the United States, before I go in depth on anything, I would like to know what exactly you do not fully understand in this list. I do not want to offend you by going into basics, but I also do not want to give you information you already are comfortable with.


Okay...yes. However, it's the same issue. Who's going to start offering options first? Who is that person going to be? How are they going to get a hold of the stock? They're going to have to buy it first. That takes us back to the original problem.


"I'd say there's technical leadership - ""that guy really knows his s**t and we don't have time to learn the details ourselves, so we'll go with his recommendations"" - and there's psychological leadership - ""this is the direction we want to move in, and he's the guy who can convince everyone else to move in that direction"".  You could breakdown the psychological side into additional functions as well, for example, the ability to convince everyone to go in a certain direction is not always the same as the ability to ensure that all parties involved feel cared for and happy.  I don't have any particular recommendations though. Some of these and their related tags might interest you:  https://twitter.com/lollydaskal  https://twitter.com/hashtag/orgdesign  https://twitter.com/hashtag/employeeexperience  https://twitter.com/white_owly"


I can't speak to Schweser as I've never heard of it but CFAL1 does exactly what you're looking for.  The study prep I recommended has a guy that does a video overview for each topic and he's quite good


Not sure how this has got this far with no obvious discussion about the huge tax advantages of share buy backs vs dividend paying.  Companies face a very simple choice with excess capital - pay to shareholders in the form of a taxable dividend, invest in future growth where they expect to make more than $1 for every $1 invested, or buy back the equivalent amount of stock on the market, thus concentrating the value of each share the equivalent amount with no tax issues. Of these, dividends are often by far the worst choice. Virtually all sane shareholders would just rather the company put the capital to work or concentrate the value of their shares by taking many off the market rather than paying a taxable dividend.


"It could be simple as far as who gets what accounts after the initial assignments go. So, for this example let's look at:  Employee A - 5 accounts worth 15 million *FLAGGED FOR FULL*  Employee B - 1 account worth 75 million   Employee C - 3 accounts worth 50 million  Employees have the ability to decide if they do not want anymore accounts, or if they can take on more. That's pretty much what happens now. ""Hey can you handle one more account?"" **""Actually, my accounts are pretty chaotic right now and look that way for the foreseeable future. Can I pass on this one?""**   So, when a new account comes available if I've flagged myself as full I simply don't participate in what would be a random handing out of the Alpha Account. The only problem I could see is if employees are stretching themselves out a bit too much for extra money, and not necessarily because they can rightfully handle the workload. Now they're just not flagging themselves because they want more money, but that sounds like a problem that can be easily handled by looking at their performance. Can you handle the load? No. Then I'm flagging you. Again, this is what happens now. If some people volunteered for more Alpha Accounts they'd be told no. There have been times now when a support has too many accounts and they pull it away and give to someone else.  As far as losing money based on accounts, there could simply be a baseline salary. From baseline X apply the modifiers for the account values, quantities, and years worked there, but if you were to lose all but 1 account, all to no fault of you, the support, you'd be at the baseline X salary. Right now if that happened, they'd lay you off and hand your accounts to someone else. So, what's worse is how I see it.  I don't disagree with the office politics, innovation being kept to the support personnel and not shared, and I could see toxicity, but I only see it if the numbers of employees don't decrease which they inevitably would. Turnover I think is key in the beginning. The crew would be dwindled down to half the numbers, and the requirements for the position should inevitably increase thus cultivating an environment that's no more toxic than an internal sales department who work side by side, for commission."


"In the Netherlands specifically, there are several reasons to pay extra off on your mortgage. First, house prices have dropped significantly in the last several years.  They are rising slowly now, but it's region specific and you can still borrow more than 100% of the price of the house.  Under these conditions, if you choose to sell your house and the outstanding mortgage amount is greater than the value of your house, you are left with a gap (restschuld) to finance.  I think the rules have changed recently around this, allowing you to finance this gap with a new mortgage, but this is not a good idea.  The tax implications of this are likely to be complicated in the long run and your new house may not cover this gap for some time. Second, the less you owe on your house, the lower mortgage rates you can get.  Mortgages in the Netherlands usually fall into categories based on percentage of the auction price at a foreclosure sale (executiewaarde).  If you pay more of your mortgage off, you may qualify for a lower interest rate, possibly making refinancing interesting.  This is especially important if interest rates continue to drop but the value of your house does not increase or even decreases. Third, if you choose to keep your house and rent it out, the banks in the Netherlands have very strict rules on this if you want to do it above board.  I've read that some banks require the mortgage amount (NB not the value you may have built up in a linked savings or insurance account) to be less than 50% of the foreclosure auction price (executiewaarde).  Also, related to point 2, if you have something other than a linear or annuity mortgage, you will need to refinance to do this as the tax advantages around savings mortgages ([bank]spaarhypotheken) do not apply if it is not used as your own residence. Finally, if you choose to sell and you are in the happy position of having the value of your house be greater than the value of your mortgage (you have an overwaarde), there may still be some obstacles.  Any value you have accumulated in a linked savings or life insurance account is not available until after you sell your house.  Extra value derived purely from the difference between mortgage value and sale price may be easier to deal with. EDIT: As a final note, I've made extra payments on both a ""Spaarhypotheek"" (linked life insurance) and a ""Bankspaarhypotheek"" (linked savings account).  In one, the principal paid each month reduced and the mortgage lifetime stayed the same.  In the other, the principal paid each month stayed the same and the lifetime reduced.  In both cases, interest payments were less each month.  I would contact your mortgage provider to understand what the expected impact of extra payments will be."


This kind of thinking is a typical example of 19th century outdated economic theory. This might have been true for the factory workers back then but those kinds of jobs aren't even in western countries anymore (outside maybe some low level positions in the service industry). In the vast majority of modern western jobs firing and hiring someone else does not result in someone of the same effectiveness anywhere close to immediately.


Since I'm a glass half full kind of guy --- take this opportunity to learn WHY ~~investing~~ gambling the majority of your money in a 3x levered ETF is a terrible idea.  Consider the $3k cheap tuition that can save you from being a moron later once you actually have some capital to invest.  This sub can help with some suggested reading.


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Not to pick your words apart, but I'm used to the word laddering as used with CDs or bonds, where one buys a new say, 7 year duration each year with old money coming due and, in effect, is always earning the longer term rate, while still having new funds available each year.  So. The article you link suggests that there's money to be saved by not taking a long term policy on all the insurance you buy. They split $250K 30 year / $1M 20 year. The money saved by going short on the bigger policy is (they say) $11K.  It's an interesting idea. Will you use the $11K saved to buy a new $1M 10 year policy in 20 years, or will you not need the insurance? There are situations where insurance needs drop, e.g. 20 years into my marriage, college fully funded as are retirement accounts. I am semi-retired and if I passed, there's enough money. There are also situations where the need runs longer. The concept in the article works for the former type of circumstance.


"Are you complaining about the company changing and expanding its business model, sweet vulnerable venture capitalists getting swindled in the board room, or something else?  Or you've just ""decided"" that someone is ""evil"" and now you just want to demonstrate how smart you are at identifying and pointing out things?  ""Oh look! See! This is <random thing> that supports <the big pharma narrative>""."


You are calculating using different methods.  For example, to obtain 6.45% 6.44647 This is effectively the same as the money-weighted return calculation. In arriving at 6.06% you have calculated the true time-weighted return. Both answers are right, but they are different measures. To use time-weighted returns you need to know the value of the investment at the time of every cash flow. Modified Dietz uses a simple approximation to avoid that requirement.  Money-weighted return gives results that are more accurate for back calculating than Modified Dietz, (also without requiring interim valuations), but the calculation is more complex. See How to Calculate your Portfolio's Rate of Return for a decent reference.


So why are cancer rates higher among people who work next to the scanners and why are they not permitted to wear the radiation measurement tags? It is not about how much - it is a bout the fact that, in aggregate, it is an unhealthy thing.


Could be risky, consider that some of their assets in Bolivia were nationalized.