"Without the specifics of the contract, as well as the specifics of the country/state/city you're moving to, it's hard to say what's legal.  But this also isn't law.se, so I'll answer this from the point of view of personal finance, and what you can/should do as next steps. Whenever paying an application fee or a deposit, you need to ensure that you have in writing exactly what you're applying for or putting a deposit in for.  Whether this is an apartment, a car, or a loan, before any money changes hands, you need to get in writing exactly what you're putting that money to. So for a car, you'd want to have the complete specifications - make, model, year, color, extra packages, and any relevant loan information if applicable.  You wouldn't just hand a dealer $2000 for ""a Toyota Camry"", you'd make sure it was specified which one, in writing, as well as the total you're expecting to pay.  Same for an apartment: you should have, in writing (email is fine) the specific unit you are putting a deposit for, and the specific rate you'll be paying, and the length of time the lease is for. This is to avoid a common tactic: bait and switch, which is what it looks like you've run into.  A company puts forth a ""nice"" model, everything looks good, you get far enough in that it seems like you're locked in - and then it turns out you're really getting a less nice model that's not as ideal as whatever you signed up for.  Now if you want to get what you originally signed up for you need to pay extra - presumably ""something was wrong in the original ad"", or something like that.  And all you can hear in the background is Darth Vader... ""I am altering the deal. Pray I don't alter it any further."" So; what do you do when you've been bait-and-switched? The best thing to do is typically to walk away. Try to get your application fee back; you may or may not be able to, but it's worth a shot, and even if you cannot, walk away anyway. Someone who is going to bait-and-switch on you is probably not going to be a good landlord; my guess is that rent is going to keep going up beyond the level of the market, and you probably can kiss your security deposit goodbye. Second, if walking away isn't practical for whatever reason, you can find out what the local laws are. Some locations (though very few, sadly) require advertised prices to be accurate; particularly the fact that they re-advertised the unit again for the same rate suggests they are falling afoul of that. You can ask around, search the internet, or best yet talk to a lawyer who specializes in this sort of thing; some of them will be willing to at least answer a few questions for free (hoping to score your business for an easy, profitable lawsuit). Be aware that it's not exactly a good situation to be in, to be suing your landlord; second only to suing your employer, in my opinion, in terms of bad things to do while hoping to continue the relationship.  Find an alternative as soon as you can if you go this route. In the future, pay a lot of attention to detail when making application fees.  Often the application fee is needed before you get into too much detail - but pick a location that has reasonable application fees, and no extras.  For example, in my area, it's typical to pay a $25 application fee, nonrefundable, to do the credit check and background check, and a refundable $100-$200 deposit to hold the unit while doing that; a place that asks for a non-refundable deposit is somewhere I'd simply not apply at all."


Your best bet is to look for incubators in your area. Incubators are scaled down versions of private equity firms that provide mentorship and seed money to promising startups. They are usually affiliated with a city because they are trying to attract entrepreneurs to it.


I know that both Lowes and Home Depot (in Canada at least) will offer a 6 month deferred interest payment on all purchases over a certain dollar amount (IIRC, $500+), and sometimes run product specific 1 year deferred interest specials. This is a very effective way of financing renovations. Details: You've probably seen deferred interest -- It's very commonly used in furniture sales (No money down!!! No interest!!! Do not pay for 1 full year!!!)  (Personally, I think it's a plot by the exclamation point manufacturers) It works like this: Typically, I manage these types of purchases by dividing the principal by 6, and then adding 5%, and paying that amount each month.  Pay close attention to the end date, because you do not want to pay 22% interest on the entire amount.   This also requires that you watch your card balance carefully.  All payments are usually put to current purchases (i.e. those not under a plan) first, before they are applied to the plan balance.  So if you are paying 250 a month on the new floor, and run up another $150 on paint, You need to pay the entire new balance, and then the $250 floor payment in order for it to be applied correctly.  Also <shameless plug> http://diy.stackexchange.com </shameless plug>  Consider doing it yourself.


A bank selling a foreclosed property would negotiate a lower cash deal, I doubt it would be that extreme, 130 vs 100.  An individual seller may give up $10K to save time and get his next home closed as well, but again, I suspect it would be rare to find that large a delta.


You really can't. Credit rating is determined by financial history, and until your kids are old enough to legally sign a contract they have essentially no financial history. Interesting out-of-the-box thought, but not workable.


The guy is your boss/super? I still don't understand why his lawyer would need *your* credentials. It definitely still does sound sketchy, and in the future I'd ask more questions. Personally I'd tell anyone not HR asking for something like that to piss off. You aren't a client of that guy's lawyer, if he needs anything specifically from you, he can contact you and explain it.   But what's done is done, if anything malicious happens it's definitely on him.


> Women have to be represented in the global economy or it'll cost the world a shit ton of $ later on.  Demonstrate how women are NOT represented in the global economy, and how this lack of representation will cost the world money later.  > There's a bunch of underbanked women around the world due to laws and Everex allows them to get microloans and/or execute deals in a micro finance fashion.  Great for Everex, but I can't help but notice the practice is a bit discriminatory against men, is it not?


"As someone who works in mental health, there is a real problem with this bullshit.   This woman wasn't taking time for ""mental health"" she was taking personal days to just relax and unwind....  The only ""mental health issue that could ""take a few days"" is maybe a changing of medications but that is just sick leave"


Linear algebra prior to taking diff eq or concurrent to diff eq could make a difference but physics should not be a big deal.  If you have access to Maple, you'll be able to CRUSH pretty much anything they through at you. It's a computer math system.  source: masters in math


Differences in liquidity explain why American-style options are generally worth more than their European-style counterparts. As far as I can tell, no one mentioned liquidity in their answer to this question, they just introduced needlessly complex math and logic while ignoring basic economic principles. That's not to say the previous answers are all wrong - they just deal with periphery factors instead of the central cause.  Liquidity is a key determinant of pricing/valuation in financial markets. Liquidity simply describes the ease with which an asset can be bought and sold (converted to cash). Without going into the reasons why, treasury bills are one of the most liquid securities - they can be bought or sold almost instantly at any time for an exact price. The near-perfect liquidity of treasuries is one of the major reasons why the price (yield) of a t-bill will always be higher (lower yield) than that of an otherwise identical corporate or municipal bond. Stated in general terms, a relatively liquid asset is always worth more than an relatively illiquid asset, all else being equal.  The value of liquidity is easy to understand - we experience it everyday in real life. If you're buying a house or car, the ability to resell it if needed is an important component of the decision. It's the same for investors - most people would prefer an asset that they can quickly and easily liquidate if the need for cash arises.  It's no different with options. American-style options allow the holder to exercise (liquidate) at any time, whereas the buyer of a European option has his cash tied up until a specific date. Obviously, it rarely makes sense to exercise an option early in terms of net returns, but sometimes an investor has a desperate need for cash and this need outweighs the reduction in net profits from early exercise.  It could be argued that this liquidity advantage is eliminated by the fact that you can trade (sell) either type of option without restriction before expiration, thus closing the long position. This is a valid point, but it ignores the fact that there's always a buyer on the other side of an option trade, meaning the long position, and the right/restriction of early exercise, is never eliminated, it simply changes hands. It follows that the American-style liquidity advantage increases an options market value regardless of one's position (call/put or short/long). Without putting an exact number on it, the general interest rate (time value of money) could be used to approximate the additional cost of an American-style option over a similar European-style contract.


The alternatives are practically perpetual with linen suits, the search is ideal for summer, pushing it flawlessly amongst shrewd and easygoing and offering so much adaptability. In case you're hoping to keep the look keen, then match your suit with a shirt and tie mix.


Depending on the organization, this sounds like a failure to manage expectations on your part.  Just because someone has VP in their title doesn't mean you have to drop everything and answer them. Especially if it is a non-urgent question.  If this is the case, then you need to go have a talk with their boss about the detriment to the company this person is causing.  It works both ways.  Unless it's the owner or the CEO, I have pushed back and managed the expectation on just about everyone I have interacted with.     It won't always work, but most times, it does.  It does depend on the organization.


"There are quite a few regulations on ""Insider Trading"". Blackouts are one of the means companies adopt to comply with ""Insider Trading"" regulations, mandating employees to refrain from selling/buying during the notified period. Once you leave the employment: So unless there is an urgent need for you to sell/buy the options, wait for some time and then indulge in trade."


Yes, all the shares of a publicly traded company can be purchased. This effectively takes the company private so that it's no longer traded on a stock market. Here are some examples: EDIT: to answer your edited question... the corporation can issue more stock.  However that would dilute the value of existing shares.  Thus, existing shareholders must vote to allow more shares to be issued. So... in your situation yes, you'd need to wait for someone else to sell.


"To answer your question as clarified in a comment: All I wanted to know what will happen if I enter my debit card number in the sixteen digit account number they offer on the application for balance transfer. That's all. Almost certainly (subject to the particular terms and conditions of the offer), no money will move, the only question is exactly when and how they will say no. If you do it online, and their system is clever enough to look up the IIN (the first six digits) of the card number you enter, their system might learn straight away that you  have entered a debit card number (eg a card starting 431940 is a Bank of Ireland debit card). Otherwise, you'll have to wait until the request goes to their back office system, which will eventually lead to the card issuer's system being contacted, at which point it will become clear that it's a debit card, and your transfer request will be refused at that point. That said, some credit card companies do offer a ""Money Transfer"" aka ""Super Balance Transfer"", which is an offer to transfer money directly into a bank account, putting the resulting debt on the credit card. I've never seen these offered without having to call a service centre and talk to a person, though, presumably so that they can check that the details they have for you (about income etc) are still correct."


>During WWII the US government socialized many factories to support the war effort. They took statistics nerds and gave them factories to run. After the war the nerds were offered jobs in the census. Some of them went to other countries to help rebuild instead. There are statues to some of them because they helped Japan become a leading economy in relatively short order.   China is full of nerds. Their maths olympiad's teams are now all but totally dominant and they are kicking the asses of developed countries in PISA tests. My father was a physics professor - whenever he speaks to colleagues in the states they all tell him their best new talent is from the PRC.   >China doesn't have that focus. They succeed out of sheer numbers. Not by refining process. That would require investing in their workforce too much and cheep disposable labor is the way they compete.   I guess that's why they send so many of their best and brightest overseas to study, or why spending such a huge amount of money on education domestically?


Seems to me the dot com market started around 1990, and amazon is still doing damage today, buying WF, crashing market for blue apron.  Do you think the crypto market is done growing at a market cap of 80B?  Seems to me that's a moderate sized business, while a market aught to be in the trillions.


That's not what is entirely happening. It's two separate situations.   They don't have equal voting and some are able to vote more than once. The two investors want to keep it that way while the rest want to implement an even voting system.   The two investors have been asked to drop their lawsuit against the old CEO since he's no longer with the company but it's implied that they will continue to sue him because he still has influence and the ability to elect new board members which he recently added two.   Also it's disengrnous to say just the two investors. They are being asked to do this by the shareholders.


"And that's a fine thing to say. It's fine to say he likely had some advantages that afforded him a greater chance of 'making it' than most people. But that is by and large not the tone of the comments in not only this thread but Reddit as a whole. The comment I replied to, and the tone of the others, holds the sentiment of ""he was born to a wealthy family, therefore he got this job without any effort on his part and there is nothing any of us could ever do to achieve that"". Which is lazy and total bullshit."


"Former employee so I have a little insight. They are very scared of unionization and also losing their exemption in the Railway Act. This classifies FedEx as an Airline/railway company, where UPS is a ground shipping company. What that means is that FedEx has protections against unions. FedEx ground drivers are not employees, they are contractors. Some of these guys are not happy and the states were changing laws to benefit the workers in some way (i'm not entirely sure how it works). But FedEx is smart so they are reclassifying these people as ""Independent Service Providers"". They are forcing single route drivers to sell to multi-route/ISP owners. When you have an owner that owns multiple routes they ar eless likely to be pro-union and it also puts another barrier between the driver and FedEx."


Oh of course you can fill it up in 5 seconds if that's what you mean by filling it up. I personally spend 0 seconds filling my gas car up because the gas station is on my way home from work, and I live in a state where someone else pumps my gas. So I just drive in, play on my phone, and leave. So yep, definitely less than 5 seconds.


I'm a bot, *bleep*, *bloop*. Someone has linked to this thread from another place on reddit:  - [/r/singapore] [GIC invests in soundcloud. Soundcloud about to go belly up.](https://np.reddit.com/r/singapore/comments/6t1iir/gic_invests_in_soundcloud_soundcloud_about_to_go/)  [](#footer)*^(If you follow any of the above links, please respect the rules of reddit and don't vote in the other threads.) ^\([Info](/r/TotesMessenger) ^/ ^[Contact](/message/compose?to=/r/TotesMessenger))*  [](#bot)


"Appeal to Authority - Using an authority as evidence in your argument when the authority is not really an authority on the facts relevant to the argument.  As the audience, allowing an irrelevant authority to add credibility to the claim being made.  That is what I've been getting at in my comments. You kept saying you have more experience so I brought up that I've actually studied economics. Then I immediately followed it up with that, despite my studies, that doesn't mean I'm right just like your experience doesn't mean you are correct. That was my whole point and why I brought it up. Experience or ""authority"" doesn't mean you are correct. It's like saying ""I'm older so I know better.""  But, you kept pressing forwards with ""I have more experience and more academics than you,"" and even calling me kiddo despite not knowing my age, so I went and grabbed a link to a consensus of 600 people who are considered experts in this field that disagreed with you. Each personal individually would trump your experience, let alone 600 of them collectively.  As far as my first source, it doesn't matter. I can go find more if you want. I stand by my claims because I've also seen it elsewhere. Sorry I didn't send you 10 links instead of just one, and now I'm in mobile so I can't easily discuss it.  As far as your source that discusses academic leanings, I'm intrigued with its findings, because it appears to be reputable, and plan to look over it. I've personally said for awhile that when faced with new facts/evidence I'll consider it in regards with my position, and will change my position if the evidence appears to line up. I've done it before and I'm not so prideful to not do it again. Besides, that's what people should do instead of just digging their heels in because they don't like what they hear."


One reason why you may have gotten this advice is that stocks have an expected real return over time, while commodities do not. Therefore, when gambling on individual stocks, odds are in your favor that they will ultimately go up over time. You may do better or worse than the market as a whole, but they will likely go up as the whole market, on average, rises over time. Commodities, on the other hand, have no expected real return. It is more zero-sum. In fact, after costs, a real loss should be expected on average, making gambling in here more risky.


>The iPad. Along with email and cloud-based data sharing, it’s moving the world away from stacks of paper and everything needed to manage them: filing cabinets, folders, printers, cartridges, binders, highlighters, labels, sticky notes, clips, legal pads.  Paperless office hype coming to fruition is why Staples is doing poorly. Smart phones have played a more important role. Paperless systems became much more viable when people had access to email, documents and files on their phone.


"What you should do is called ""re-characterization"". See the instructions for form 8606 for details (that is also the form to use to report the incident). See example 3: You made a contribution to a Roth IRA and later recharacterized part   or all of it to a traditional IRA. Report the nondeductible   traditional IRA portion, if any, on Form 8606, Part I. If you did not   recharacterize the entire contribution, do not report the remaining   Roth IRA portion of the contribution on Form 8606. Attach a statement   to your return explaining the recharacterization. If the   recharacterization occurred in 2012, include the amount transferred   from the Roth IRA on Form 1040, line 15a; Form 1040A, line 11a; or   Form 1040NR, line 16a. If the recharacterization occurred in 2013,   report the amount transferred only in the attached statement, and not   on your 2012 or 2013 tax return. You re-characterize it back to traditional IRA contribution, which will not be deductible. You then convert it back to a Roth IRA. Basically you end up at exactly the same place, except that if you already had some gains on that amount - you'll have to pay tax on them now (for the conversion, since because of the re-characterization, it will now be gains in a traditional IRA). You should of course contact your broker to do the re characterization (reassigning of the amount and its gains from a Roth IRA account to a traditional IRA account)."


"And please tell me what is my agenda? By alluding banks are ponzi schemes? I never made that claim.  I just saw a similarity. I was asking if the similar idea of taking money from investors and returning it (just like a ponzi scheme), but the similarity ends there apparently. In the background one is using future investors as payouts; the other uses fractional reserve banking to reinvest.  To me it seems like the latter just seems ""smart"" but idk.  That was my agenda. Finding out if my latter idea was possible and/or why its [not] a ponzi schem e and how does it differ.  I think I got the answer w the accounting equation but getting to that point was like trial by fire apparently."


frostbank.com is the closest thing I've found, so accepting this (my own) answer :) EDIT: editing from my comment earlier: frostbank.com has free incoming international wires, so that's a partial solution. I confirmed this works by depositing $1 (no min deposit requirement) and wiring $100 from a non-US bank. Worked great, no fees, and ACH'd it to my main back, no problems/fees. No outgoing international wires, alas.


My theory is that the massive swell of fear from 2008 until now has made people realize that they are never safe, and that debt is the killer.   When private sector incomes drop (loss of job, less consumer demand, etc) we cannot afford to service our debt and this leads to catastrophic default, with assets being lost to creditors. On the other hand, if you own your assets outright, a significant and long lasting drop in income can usually be sustained, or at least the assets are not lost.  In a time of high risk to income, like now, it is better to pay down debt, even if it means tightening the budget a bit. Better to lose some business/utility now than to lose it all later to creditors.  Thanks for the post, there is some interesting info in here. I also find it interesting that these world class economists are presenting these horribly ugly excel graphs.


The total value of the stock market more or less tracks the total value of the companies listed in the stock market, which is more or less the total value of the US economy (since very few industries are nationalized or dominated by privately held companies). The US economy has consistently grown over time, thanks to the wonders of industrialization, the discovery of new markets, new natural resources, etc.  Thus, the stock market has continued to grow as well. Will it forever?  No.  The United States will not exist for ever.  But there's no obvious reason it won't continue to grow, at least for a while, though of course if I could accurately predict that I would be far richer than I am. Why do other countries not have the same result?  China is its own ball of wax since it's a sort-of-market-sort-of-command economy.  Japan has major issues economically right now and doesn't really have the natural or people resources; it also had a huge market bubble a while back that it's never recovered from. And many European countries are doing fine.  German's DAX30 index was at around 2500 in 2004 and is now at nearly 13000.  That's pretty fast growth. If you go back further (there was a crash ending in around 2004), you can see around the fall of the Berlin wall it was still around 2000; even going that far back, that's about an 8% annual bump.  The FTSE was also around 2000 back then, around 8000 now, which is around 5% annual growth.   Many of these indexes were more seriously hurt than the US markets in the two major crashes of this millenium; while the US markets fell a lot in 2008, they didn't fall nearly as much as many smaller markets in 2002, so had less to recover from.  Both DAX and FTSE suffered similar falls in 2002 to 2008, and so even though during good periods they've grown quite quickly, they haven't overall done as well as they could have given the crashes.


My understanding is that BD is on the block b.c it isn't meeting financial targets. Masa is a big picture guy so maybe he doesnt care. I expect his new fund to snatch up a bunch more of these types of companies because he is willing to take the risk.   I dont see how he actually adds anything to BD or any other company besides cash. But his strategy has not been the home run, it has been to hit the ball into orbit.


What you need to do is register as a sole trader. This will automatically register you for self assessment so you don't have to do that separately. For a simple business like you describe that's it.  Completing your self assessment will take care of all your income tax and national insurance obligations (although as mentioned in your previous question there shouldn't be any NI to pay if you're only making £600 or so a year).


An hour of lawyer's time plus an estimate, provided you know what you're going to ask and for what purpose, is going to be pretty cheap. I would start there, and he/she could probably refer you to an experienced accountant as well, which you'll also want to have on retainer more than likely.


Search Engine Marketing (SEM poco chiamato come) comprende anche campagne pubblicitarie a pagamento come Google ad-parole, la costruzione del marchio, banner, viral marketing e anche alcune altre campagne gratuite come l'email marketing e Social Media Optimization (SMO chiamato come poco). Il motore di ricerca di marketing on-line dà risultati più rapidi rispetto al Search Engine Optimization.


"Schwab is a highly diversified operation and has a multitude of revenue streams.  Schwab obviously thinks it can make more off you than you will cost in ATM fees and it's probably safe to assume most Schwab clients use more services than the ATM card. It's not worthwhile to discuss the accounting of ATM/Debit/Credit card fee norms because for a diversified operation it's about the total relationship, not whether each customer engagement is specifically profitable.   People who get Schwab accounts soley for the ATM fee refunds are in the minority.  In 2016 10-k filing Schwab posted $1.8B in net earnings, 10 million client accounts with a total of $2.78T in client assets.  A couple grand in ATM fees over several years is a rounding error.  ""ATM"" doesn't even appear in the 2016 10-K."


As far as games are concerned, I've found that piracy is often easier and less time-consuming than using the original version. I know that I have personally bought games and then installed the cracked version so I didn't have to dig out the CD every time I wanted to play a game.


Where do you draw this line... isnt it lucky that you simply survived child birth? Arent we all lucky that an extention level event hasnt occured on earth? Arent you lucky that a specific sperm fertilized the egg that created you out of thousamds of others? Luck in the manner being described is typically held for scenarios that are all or mostly luck. Since it takes much more than ONLY luck for economic success - luck is not the only factor that plays a role. It is really that simple.


Before you know it, winter has arrived & your home isn’t quite ready for it. You turn on your heating system and “pfft!”..nothing. Don’t be left in the cold. Call Action Repair Service at 516-223-1990 & we will repair your home’s heating system promptly & professionally. Our experienced repair technicians are experts with all types of heating systems, all makes/models.


its not that hard to figure out  Please explain how arbitrarily raising employee wages would raise demand. What kind of 'demand' do you even speak of? Did you mean [Labor Demand](http://en.wikipedia.org/wiki/Labor_demand) ---I think what you talking about is [Consumer Confidence](http://en.wikipedia.org/wiki/Consumer_confidence). Please enlighten me.


Funny how the baby boomers were so responsible when they got part time jobs and worked their way through college and had, relatively speaking, very little college debt. But the millennials up and decided to incur thousands of dollars in lifelong college debt for no apparent reason. How irresponsible can they be?


"He's right, I've had several hiring managers who looked over my resume tell me to leave out my warehouse job. The pay is very good but because it's not white collar it's essentially useless for the positions I'm looking for (fintech). They've actually done sleight research on this finding callback rates for similar resumes- they look for keywords that indicate you're at a higher ""class."" Seeing blue collar work isn't very good and, while it will give you an edge over someone with NO job, in the long run it can look very bad on your resume."


The downsides:


I think it already came in 2008. An arbitrary definition of GDP growth hardly means we aren't in a recession now. Numberous metrics were used to identify recessions and we aren't out of woods just because the most widely accepted definition says we are doing mildly better. Any illusions of recovery are created by stimulus spending. When we run out of those bullets we are fucked again unless we have real solutions before then.


You don't even need to look at WACC (which is fairly complicated as a concept) you can simply look up gearing. Both high and low gearing is bad, so even if you've got loads of cash you shouldn't just be using that to invest


Yes, I know this sort of breaks our no-politics rule but this stuff transcends politics really, this is the basic idea of the internet they're trying to take away from us here, and this will deeply deeply affect internet businesses (which, aren't most big businesses internet businesses at this point?), so when fight for the future contacted us I just had to make an announcement.


"Stock support and resistance levels mean that historically, there was ""heavy"" buying/selling at those levels. This suggests, but does not guarantee, that ""someone"" will buy at ""support"" levels, and ""someone"" will sell at ""resistance levels. Any ""history"" is meaningful, but most analysts will say that after six months to a year, the impact of events declines the further back in time you go. They can be meaningful for periods as short as days."


Here's an interesting link to a discussion about an Australian investor group back in the 1990s that bought almost every combination in the West Virginia lottery.  It's pretty fascinating stuff.   How An Australian Group Cornered A Lottery I don't need to add to what's already been said here, but it's a fun story!


The FSA can only pay for expenses incurred after it was open.  This also applies in case of a mid-year change in election (such as due to marriage, divorce, child birth, etc.) For example, according to this page: You can only be reimbursed for qualifying expenses, from the election that was in place at the time the expense was incurred. So, say you had $500 available from January to June, then on July 1 had a qualifying event, you then elected $2000.  You can be reimbursed for up to $500 in expenses incurred prior to July 1, and then an additional $1500 in expenses incurred after (up to $2000 if you didn't use your full $500). More specifically, from the IRS Publication: Generally, distributions from a health FSA must be paid    only to reimburse you for qualified medical expenses you    incurred during the period of coverage. -- The HSA question is more complicated. I would talk to a tax accountant, or at minimum your benefits coordinator.  Also read the publication I linked above, the first part is about HSAs.  The short answer to your specific question: stop contributing to the HSA, unless you were contributing well under the limit of the HSA.  If you know your limit, and you know you're under it, you can continue contributing until April 15 of next year: If you fail to be an eligible individual during    2013, you can still make contributions, up until April 15,    2014, for the months you were an eligible individual. The general rule is you can contribute up to (1/12)*(your limit)*(number of months you were eligible).  So, if you changed jobs Oct 1, and you're single, then you could contribute (3250)*(1/12)*(9), or just over $2400 in total for the year.  If you've contributed less than that to date, you may continue contributing up to that amount - but again, contact your benefits coordinator or preferably a tax accountant, as the rules can be complicated. You definitely cannot deduct any expenses from the account that you incur after you are no longer eligible, and the rules on distributions are pretty complicated - and if you get it wrong, you may owe a 10% penalty on top of the tax you would normally owe, so there is significant incentive not to get it wrong.


I would expect that your position will be liquidated when the option expires, but not before. There's probably still some time value so it doesn't make sense for the buyer to exercise the option early and take your stock. Instead they could sell the option to someone else and collect the remaining time value. Occasionally there's a weird situation for whatever reason, where an option has near-zero or negative time value, and then you might get an early exercise. But in general if there's time value someone would want to sell rather than exercise. If the option hasn't expired, maybe the stock will even fall again and you'll keep it. If the option just expired, maybe the exercise just hasn't been processed yet, it may take overnight or so.


So in a sense, I can think of the employees / option-holders as another investor?   That makes sense - but many of the examples I'm finding online are still confusing me. Based on the example above, it seems like option-holders would be paying the same exercise price as the VC. Per [Andreesen Horowitz](https://a16z.com/2016/08/24/options-ownership/) this seems uncommon:   > The exercise price of employee options — the price per share needed to actually own the shares — is often less than the original issue price paid by the most recent investor, who holds preferred stock.    In reality, would option-holders receive, say, 40% (using example above) for their $6m in exercise value due to receiving common stock, with the founder being diluted to even further?


You should probably talk to a professional tax adviser. This doesn't seem to be a common situation. From the top of my head, without being a lawyer or a tax professional, I think of it like this: The income is for year 200..., and should have been taxed then. You constructively received it then, and not claimed it. You probably had withholding from this salary that should have been reported to you then on W2 (you can get a copy from the IRS). I'd say you're to amend the return for year 200... with the new income, if it wasn't reported then. Although if more than 3 years passed (6, if its 25% or more of your gross income for that year), its beyond statute. However, as I said, I'm not a lawyer and not a professional tax adviser, so you cannot in any way rely on my opinion for anything that would result in not paying any taxes or penalties you should have. You should talk to a licensed tax professional (EA/CPA/Lawyer licensed in your State).


The article http://www.forbes.com/2008/09/15/bearstearns-lehman-compliance-pf-ii-in_js_0915soapbox_inl.html does a nice job explaining SIPC insurance coverage. The coverage is currently $500k total / 250k of which can be cash, that's the one update I'd offer.


"For diversification against local currency's inflation, you have fundamentally 3 options: Depending on how sure you are on your prediction, and what amount of money you're willing to bet to ""short the country"", you might also consider a mix of approaches from the above. Good luck."


Share prices fall when dividends are paid out because the paid dividend (cash out) actually reduces the value of the company. Usually the share price falls by the amount of the dividend payment.


Fortune Passage is the best interior designer and a renovation provider company in Malaysia. You can go for a complete renovation of your old furniture at our office. We provide the best Furniture renovation in Johor. Our professionals will ensure a brand new look to the traditional Amish made furniture. This technique is particularly beneficial in re-doing a solid piece of furniture like Amish Oak furniture. The new paint can also be supplemented by glazes, crackled paint etc.


One of many things to consider is that in the United States student loan interest is tax deductible. That fact could change the math enough to make it worth putting A's money elsewhere depending on his interest rate and income bracket.


The stock market is generally a long term investment platform.  The share prices reflect more the companies potential to be profitable in the future rather than its actual value.  Companies that have good potential can over perform their actual value.  We saw this regularly  in the early days of the internet prior to the .com bust.  Companies would go up exponentially based on their idea's and potential.  Investors learned from that and are demanding more these days.  As a result companies that do not show growth potential go down. Companies that show growth and potential (apple and google for 2 easy examples) continue to go up.   Many companies have specific days where employees can buy and sell stocks.  there are minor ripples in the market on these days as the demand and supply are temporarily altered by a large segment of the owner base making trades.  For this reason some companies have a closed pool that is only open to inside trades that then executes the orders over time so that the effect is minimized on the actual stock price.  This is not happening with face book.  Instead many of the investors are dumping their stock directly into the market.  These are savvy investors and if there was potential for profit remaining you would not see the full scale exodus from the stock.  The fact that it is visible is scaring off investors itself.  I can not think of another instance that has gone like facebook, especially one that was called so accurately by many industry pundits.


> He literally has bannon at the top level of his administration in addition to jeff sessions as AG. Theyre publicly avowed white supremacists with a history of supporting white supremacist causes.  I'm begging you, please find me a source on this one I'd love to see their thorough investigation.  > His voting block cumbles entirely without them which is why he is so slow to criticize.  HAHAHAHA his voting block crumbles entirely? Just how many white supremacists do you think exist in the US? Hillary would've won if it wasn't for white supremacy!


The only advantage of changing all your money now to the new currency is that you might get a better conversion rate now than later, so you get more of the new currency and you may pay a lower percentage fee for changing a larger sum of money. However, regarding the better conversion rate - you will not know this except with hindsight. The disadvantage of changing all at once is that if you have changed too much and need to change back to your own currency or a third currency, you will be charged fees and lose on the conversion rate twice. If you know how long you are going to be in the new country, say 12 months, maybe start by converting an amount you think you will be spending in a month. If you spend more then you can change a bit more the next month, or if you spend less change less the next month. If you find you are spending similar amounts for the next month or so, then you can budget on the amount you may be spending for the remainder of your stay and then convert this amount over. If you have a little left over at the end of your stay maybe reward yourself with something or buy a present for someone special back at home. If you need a little more, just convert this amount in the last month or so.


"Unless your 401(k) plan is particularly good (i.e. good fund choices with low fees), you probably want to contribute enough to get the maximum match from your employer, then contribute to an IRA through a low-cost brokerage like Vanguard or Fidelity, then contribute more to your 401(k). As JoeTaxpayer said, contributions to a Roth IRA can be withdrawn tax- and penalty-free, so they are useful for early retirement. But certainly use your 401(k) as well--the tax benefits almost certainly outweigh the difficulty in accessing your money. JB King's link listing ways to access retirement money before the traditional age is fairly exhaustive. One of the main ways you may want to consider that hasn't been highlighted yet is IRS section 72(t) i.e. substantially equal periodic payments (SEPP). With this rule you can withdraw early from retirement plans without penalties. You have a few different ways of calculating the withdrawal amount. The main risk is you have to keep withdrawing that amount for the greater of five years or until you reach age 59½. In your case this is is only 4-5 years, which isn't too bad. Finally, in addition to being able to withdraw from a Roth IRA tax- and penalty-free, you can do the same for Roth conversions, provided 5 years have passed. So after you leave a job, you can rollover 401(k) money to a traditional IRA, then convert to a Roth IRA (the caveat being you have to pay taxes on the amount as income at this point). But after 5 years you can access the money without penalty, and no taxes since they've already been paid. This is commonly called a ""Roth conversion ladder""."


Thanks for the heads up- it definitely wasn't me who posted that. Still, I find it pretty flattering that people are enjoying the post years after I wrote it.  This isn't really anything new, every so often someone basically copy-pastes either this or another essay I wrote around the same time. Even a few big publications have done it. This time it's a bit more blatant than before though.


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Where do I stand with this? The money was not your's. So co-operate with the bank to get this sent back ASAP. It is good that the equipment is still with you. Yes Bank would need evidence that you were a victim and not party to this crime. Co-operate with the relevant authorities and get this resolved. It is a lesson learnt where luckily no money was lost, but quite a bit of hassle and personal time lost.


If you want believe our 40 workweek is harder than those of ore-civilization man go ahead.  What did we do in our downtime in that epoch?  It was maybe some song, art or games.  But i certainly don't believe that life was more leisurely.  Studying ancient lives is. It going to paint a perfect picture of what life was really about.


Prior to his current job role, Mr. Raphael Lilla operated as the Director, Group and Business Control at Hinduja Bank. Currently, he is working as an Executive Director of SBC Group AG, Switzerland and as Managing Director of Swiss Bullion Company International LLC, Dubai.


Funds earned and spent before opening a dedicated business account should be classified according to their origination. For example, if your business received income, where did that money go?  If you took the money personally, it would be considered either a 'distribution' or a 'loan' to you.  It is up to you which of the two options you choose. On the flip side, if your business had an expense that you paid personally, that would be considered either a 'contribution of capital' or a 'loan' from you. If you choose to record these transactions as loans, you can offset them together, so you don't need two separate accounts, loan to you and loan from you. When the bank account was opened, the initial deposit came from where?  If it came from your personal funds, then it is either a 'contribution of capital' or a 'loan' from you. From the sound of your question, you deposited what remained after the preceding income/expenses.  This would, in effect, return the 'loan' account back to zero, if choosing that route. The above would also be how to record any expenses you may pay personally for the business (if any) in the future. Because these transactions were not through a dedicated business bank account, you can't record them in Quickbooks as checks and deposits.  Instead, you can use Journal Entries.  For any income received, you would debit your capital/loan account and credit your income account.  For any expenses, you would debit the appropriate expense account and credit your distribution/loan account. Also, if setting up a loan account, you should choose either Current Asset or Current Liability type.  The capital contribution and distribution account should be Equity type. Hope this helps!


If you live in Swindon and need to relocate, then you should seek out The Man With Van Network. They offer moving services from the city to anywhere in the UK. They also ensure that your items will be moved safely even through long distances. Visit https://www.themanwithvannetwork.com/ today to get a free quote.


> Neither party gives an F about the consumer.  In this case, every single democrat voted against this. And only 3 republicans in congress crossed party lines to vote with the democrats.  Your statement may have general truth, but this was pretty much a party line vote.


"Pretty hilarious the job you're describing sounds EXACLY like my job working in Margin Credit at a major bank. I do all the processing work, but after a few weeks of that, and saying that I was ""ready for more training"" to my supervisor, he took that as the sign to get me working on some of the smaller client accounts. Now I'm looking at accounts and issuing approvals for funds and trades (depending on how much margins hey have and other factors) Id say just approach your supervisor, tell him you're ready to move on, if they have anything for you hopefully they'll get you started. Stick with it, and don't stab yourself!"


"For non Australian residents: Dividends withholding tax rate is 30%.  Depending upon your country of residence where there is a tax treaty in place to avoid double taxation, then this can be reduced.  Note that only dividends that are unfranked are subject to this (in Australia, if tax has already been paid by the company then they can distribute dividends as ""franked"" dividends""). For example, if you owned shares in Commonwealth Bank of Australia (CBA), their most recent dividend from Feb 2015 (Paid 2 April 2015)  was $1.98 fully franked.  No withholding tax is applicable. There is no capital gains tax for non-residents on share transactions. There are other ""tax events"" that related to large shareholdings in a company (>10%) with property holdings but I'm guessing that is not an issue. https://www.ato.gov.au/Individuals/Tax-return/2014/In-detail/Publications/You-and-your-shares-2013-14/?page=14 https://www.ato.gov.au/Business/International-tax-for-business/Previous-years/Capital-gains-and-foreign-residents/ https://www.ato.gov.au/Business/International-tax-for-business/Previous-years/Capital-gains-and-foreign-residents/?page=13#Foreign_residents_holding_interests_in_Australian_fixed_trusts https://www.kpmg.com/Global/en/services/Tax/regional-tax-centers/asia-pacific-tax-centre/Documents/CountryProfiles/Australia.pdf"


"Look at the main page of CNBC.Com   It says ""Stocks Slide ahead of Summit""  Whereas if you see Dow is down only 67 points. Wonder where the ""Slide"" word fits in this context.   Just the usual way of Corporate's and Media trying to confuse the small investors."


"Well, FB was trying to be nice to its female employees 2 years ago and initiated a ""freezing egg"" programme at company's expense. Taking fertility clock off their minds, freeing them for more around the clock work. Really considerate of them. INSTEAD OF JUST ALLOWING THEM TO GET LIFE OUTSIDE OFFICE!    Yes, in the modern Western  gulags, jailers wear kid gloves - the essence, though, is the same. No matter how much free organic yogurt and ping-pong tables you get. The chain's still there."


Ask your bank or credit union. Mine will let me issue recurring payments to anyone, electronically if they can, if not a check gets mailed and (I presume) I get billed for the postage.


"> I've never in my adult life been dependent on anyone.  Now I can tell I am talking to a kid. Speaking in absolutes. Yes, I am sure you make your own electricity, grow your own food, refine your own gas, and sow up your own boo-boos. What? ""But I *pay* for it...."" Are you oblivious to how much of that is subsidized through the government. Who do you think built the infrastructure? How do you think the companies that laid that pipe, built those transformers were paid?   I tell you what, name me five modern and common products that *do not* have their foundation in a government invention or government R&D project... If you can do that in the next five minutes, then I will concede your point, and I will reserve my place at this ""no government, commercial only"" Utopia which doesn't currently exist but I am sure that you will one day create..."


This isn't an impressive headline, nor does it show amazing investment foresight, because they were a non-entity. Investing in them back then would have consisted of picking one of hundreds of companies with a good idea and the hope of someday becoming profitable, but risky as hell. A WSB.  A better headline for Netflix, and one that actually teaches a lesson on how to properly invest would be:  **$1,000 in Netflix 6 years ago worth $16K today.**  Around 2010, I was disappointed in myself for not grabbing NFLX earlier on, but didn't want to buy because I didn't think it had much upside... a little overpriced from what I saw.  Then in 2011, they made the stupid Qwikster announcement. Everyone bitched and moaned, and the stock price plummeted. I said to myself - is anyone actually canceling their subscription over this? Who exactly is the competition, the cable company who's 5-10x the price? Hulu, who have commercials?  How could their profits really suffer from this??  I couldn't see any way where they wouldn't claw it back once the dust settled. I bought 150 shares right away. Classic investment example of not succumbing to market panic and getting a good buy.  (Just wish I hadn't sold half my shares after the stock tripled!)


"It depends on the area, but right in Toronto there's not a whole lot of development, but like starter townhouses (3 storey, modern/executive look, around 2000sq ft) start around 750k. Older and run houses, depending on area can go from 600-1.4 million, but it's heavily dependent on area. In a ""good"" area, you'll see completely run down shacks going for 1.4 million. I'm not sure exactly who's buying these houses, but banks aren't giving as many loans now, so I assume people are going private for mortgages. There are incentives for first time home buyers where you don't need much of a down payment (it was around 10%, but I think it's gone up), however something called ""mortgage insurance"" is required, in the case of a default. Rent is sky high as well, and rentals are just as expensive as mortgages, however without the ""commitment"". Cheap rentals never come up, and there is sort of an internal issue with realtors who essentially hike up the prices, however things have cooled off as of late.  I always remember my parents saying that we good do down to the states and buy a house for less than 100k, especially after '08. Houses just seem to have more value in Canada, even in less sought after areas more north"


"Yes, they're all the same family.  I know one of the guys, his name is ""Andy Zildjan"" and he worked for Sabian.  His main job was travel around the world and take pictures of drummers using their cymbals.  Sweet job, and a really nice guy."


"Ohh sure.  I think the ""way"" they are saying it also plays into to some perceived core flaws with the business. Low quality food for a high price being the main one. Not caring to look up alternatives/having the money to spare is a market you can cater too, but when the company is specifically pointing to Millennials they push back what they think is a stupid market."


"Did you say with a straight face that manufactoring is the way of the past?  We are being out competed globally in the manufactoring sector, so now it's ""the way of the past"". What makes you think that the service based economy is somehow protected from global markets? That's ridiculous."


Eliminating the deduction for state and local taxes is punishing blue states. No way around it - this is the definition of double taxation that the GOP rails against for corporations.  I'm sorry that my state and local government provide me services I want, utilize and enjoy.


Highly doubt this will have much of an affect.  He'll still be silently leading the ship and data shows only minimal user changed to lift.  They still lead the industry in the move to driverless taxis, which is what their entire model is based on.  Everyone jumping on the bandwagon here will be embarrassed by their comments


Using parallels is fantastic.  There's a new parallels 10 coming out in less than a week that speeds up excel on a Mac up to 50%.  Coming from PC for over 15 years, if you need a ms office on Mac, parallels is a must.


It's always a good move for risk-averse person, expecially in Europe. Because houses are not represented by number in an index. Therefor if you are risk-adverse, you will suffer less pain when house prices go down because you won't have a number to look at everyday like the S&P500 index. Because houses in Europe (Germany, Italy, Spain) are almost all made by concrete and really well done (string real marble cover, hard ceramic covers, copper pipes, ...) compared to the ones in US. The house will still be almost new after 30 years, it will just need a repaint and really few/cheap fixings. Because on the long run (20/30 years) hosues are guaranteed to rise in price, expecially in dense places like big city, NY, San Francisco, etc. The reason is simple: the number of people is ever growing in this world, but the quantity of land is always the same. Moreover there is inflation, do you really think that 30 years from now building a concrete house will be less expensive than today??? Do you think the concrete will cost less? Do you think the gasoline that moves the trucks that bring the concrete will be less expensive than now? Do you think the labour cost will be less expensice than now? So, 30 years from now building an house will be much more expensive than today, and therefor your house wil be more expensive too. On the lomng run stock market do not guarantee you to always increase. The US stock market have always been growing in the long run, but Japan stock market today is at the same level of 30 years ago. Guess what happened to you if you invested your money in the Japan stock market, 30 years ago, whilest your friend bought an hosue in Japan 30 years ago. He would now be rich, and you would now be poor.


The precise answer depends on the terms and conditions of the loan, and whether you can reasonably expect to meet them. For example, if you keep the loan, make no payments, there is a good chance that - eventually - you will trigger a clause in the contract, and suddenly be charged fees or a significant interest rate.     If you don't need to pay anything for a time, odds are you will forget to monitor the loan (after all it is not costing you anything) and suddenly get hit with an unexpected expense. Most loan contracts are structured - by professionals - to benefit the loan provider.     The purpose of a loan provider is to make a profit.   They do that by encouraging you to pay more -  up front, over the longer term, or both. Personally, I would never take out a zero-interest loan.   It is specifically designed to appear like a gift from the loan provider, while actually (and almost covertly) costing more at some point. If I was in your position (i.e. if I had taken out such a loan) I'd pay off the loan as fast as possible.   If you have more than one loan, however, prioritise by working out which actually costs you more over time.   And pay the worst ones first.    You'll have to look closely at the terms and conditions - possibly with the help of a professional - to work out which is actually work.


Anyone who has that kind of money to blow probably has a CPA with a power of attorney who could provide such a service. I don't have that kind of money but I do have a CPA with a POA who would gladly charge me and arm and a leg to deliver money to me.


"Seriously? You and other libertarians have no problem with this part of the quote:  >The business man is only tolerable so long as his gains can be held to bear some relation to what, roughly and in some sense, his activities have contributed to society.""  Also, Keynes was a member of the Chicago school? You're thinking Milton Friedman, I think."


"I'm working on similar problem space. There seems to be some working ambiguity in this space - most focus seems to be on more complex cases of income like Dividends and Capital Gains.  The US seems to take a position of ""where the work was performed"" not ""where the work was paid"" for purposes of the FEIE. See this link. The Foreign Tax Credit(FTC) is applied (regardless of FEIE) based on taxes paid in the other Country. In the event you take the FEIE, you need to exclude that from the income possible to claim on the FTC. i.e. (TOTAL WAGES(X) - Excluded Income) There is a weird caveat on TOTAL WAGES(X) that says you can only apply the FTC to foreign-sourced income which means that potentially we are liable for the on-US-soil income at crazy rates.  See this link.. Upon which... there is probably not a good answer short of writing your congressperson."


Thank you for your response KeithB and Ross. I was researching more about this and looks like I have to follow all these steps (please, correct me if I'm wrong):


It still does not address the difference in risk between lending to a large bank that must meet reserve requirements and between lending to more risky parties.  And is borrowing from BOJ to buy U.S. treasuries a bad thing if there is rate arbitrage?


Why is it the Ted Cruz young-republican creepers come in waving debt numbers like all of a sudden debt is not some kind of established financial instrument used by governments of all sizes?  I said QoL and GDP. Congrats on your red shithole for having smaller arbitrary numbers on your Excel sheet. It won't matter much when most of your populace dies from being underinsured, undereducated, unhealthy obese smokers.   But hey at least they're not confused by the bathroom signs right? ;-)


">I mean, if this were the mortgage market, you would be arguing to banks ""What the hell made you think this homeowner would keep paying you 6% interest on this money when you're not providing any kind of value twenty years later?""   That's not how pensions work. A pension is your money. The value is the value you've put into it over the years. $400 a month for 30 years shouldn't go away just because you aren't putting monthly amounts in any more. There is either capital left in the account, or their isn't."


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>> So I have no trouble calling a Christian republican a hypocrite if they choose to use their power to build and propose legislative action which will do nothing to help the poor and will very likely make them more vulnerable.  They have stated, ad ifinitum, that government intervention in the healthcare market drives up expenses, limits choice and competition, substitutes taxes for personal charity, and ultimately undermines people's opportunities to support themselves and pay for healthcare. You may not agree with this assessment of the situation, but it is not internally inconsistent as you seem to claim.   Well the Bible may not, but I certainly will. If you knew anything about the context of the scriptures writing, you'd know that an attack on Roman state finances is the quickest way to have you're fledgling religion purged by your friendly, neighborhood Roman legions. Thus rendering unto Ceasar was and remains a matter of life and death.


Last night I got a message through the Mac Messages app on my laptop from an automated AOLsysadmin letting me know the service was shutting down. I had forgotten I still had my AIM account linked to Messages, haha.  My AIM account is my longest running online account at 19 years. I think my yahoo email is next in line at 17 or 18 years.


I will answer my own question. After calling my broker, they explained me this:


A lot depends on how much is in the account, and whether you expect to be returning (or having any sort of financial dealings) in Europe in the future. My own experience (about 10 years out of date, and with Switzerland) is that the easiest way to transfer reasonable amounts (a few thousand dollars) was simply to get it in $100 bills from the European bank.  I also kept the account open for a number of years while living in the US (doing contracting that was paid into the European bank), and could withdraw money from American ATMs. I eventually had to close the account due to issues between the bank and the IRS.  I think it was only that particular bank (UBS) that was the problem, though.


"The linked article is good at explaining the current situation.    What it is not good at is explaining the basics of the situation.  It's roughly 3 paragraphs before we even learn the first part (""original use of the name 'Windhaven'""), and 10 paragraphs until we learn that there exists a ""Windhaven Insurance"" and they're being dicks.  Maybe that's not TL for printed word, or someone interested in the topic.  But it _is_ too long for something serving as a primer."


Yup, and fortunately there are vocal (and voter) people on both sides of most issues, making the center unnecessary for voting. If the system gets too crazy, the middle will act.  So I'm not too worried. The vocal kids you worry about are like the 60's peace, love, and freedom hippies that grew up and became the respectable capitalists in the 1980's. Youthful idealism gets replaced with respect for reality.


I'm a bot, *bleep*, *bloop*. Someone has linked to this thread from another place on reddit:  - [/r/talkbusiness] [Under Armour’s terrible year just got worse](https://www.reddit.com/r/talkbusiness/comments/79z42k/under_armours_terrible_year_just_got_worse/)  &nbsp;*^(If you follow any of the above links, please respect the rules of reddit and don't vote in the other threads.) ^\([Info](/r/TotesMessenger) ^/ ^[Contact](/message/compose?to=/r/TotesMessenger))*


oh wow, nice to hear about your friend. and I guess I didn't make myself clear. What I meant was as I'm an international student, USA will allow me to work here for one year after I get my degree and then they'll send me back to my country. Anyway, I'll definitely take your advice into consideration.


Worked my way through college, 40-50 hours a week making minimum wage at KFC until I got promoted to assistant manager. Yes it's hard, but not so hard that you can't still have a life outside of school and work. Having kids would change all that I have no idea what it's like to try and juggle work school and kids but that's the risk you take when you have kids wether on purpose or accident.


Excellent responses so far.  Because I am a math guy, I wanted to stress the power of compounding. It's great that you are thinking about saving and your future when you are so young.  Definitely be displined about your saving and investing.  You would be surprised how just a small amount can compound over the years. For example, if you were to start with $5000 and contribute $100 per month.  Assuming that you can get 5% ROR (hard in today's world but shouldn't be down the road), your final principal after 28 years (when you are 50 years old) will be over $90,000, which of only $38,000 is what you contributed yourself.  The rest is interest.  You can play with the numbers here: http://www.math.com/students/calculators/source/compound.htm


Incorrect.   Dividends are paid after tax, so whether they pay them or not has nothing to do with tax avoidance.  Additionally, dividends have little to no impact on the market cap of a company like amazon.  On top of all of that, amazon does not pay dividends at all, they invest their cash back into themselves to grow. This strategy reduces profit, and the growth drives up their market cap and drives down their cost of capital as a result.


"Ask yourself one question - ""Why me?""  Say I had no friends or family (that I liked). I have money and I'm dying. There are a half dozen charities I'd write checks to. Under what circumstances would I ever contact a stranger to try to give my money away? That answers why this is a scam."


Trusts are useful for a number of situations, country-centric or not.


A small business consultant works with clients on strategy, planning and problem solving, and helps clients develop Business consultant  skills and knowledge. These topics range from designing a business model or marketing plan, to determining which marketing techniques to use and how to use them. You'll often help clients learn how to plan and implement projects. A small business consultant gives advice, teaches skills, and brainstorms with the client to produce practical results and enhance strategic thinking.


"For stock options, where I'm used to seeing these terms: Volume is usually reported per day, whereas open interest is cumulative. In addition, some volume closes positions and some opens positions.  For example, if I am long one contract and sell it to someone who was short one contract, then that adds to volume and reduces open interest.  If I hold no contracts and sell (creating a short position) to someone who also had no contracts, then I add to volume and I increase open interest. EDIT: With the clarification in your comment, then I would say some people opened and closed positions in that one day.  Their opening and closing trades both contribute to ""volume"" but they have not net position in the ""open interest."""


There's already a budget deficit and national debt. Obama doubled the national debt in his tenure from ~10 Trillion to ~20 Trillion (more than any president in history), yet we still built infrastructure. We will with Trump too, one of his goals he's stated was infrastructure. I hate to say it, being fiscally conservative, but the debt would increase a small percentage compared to what Obama did.   To me, any time you can get more tax money into the hands of all American citizens and companies is a win in my book. Sure the rich will benefit from this, but the poor and middle class will as well.


um, yes. the point of an audit is verification. you could have claimed to have bought fax machines and pocketed the money, and giving them a list claiming you had bought 5. without them physically inspecting, how would they know the difference?  its amazing your level of distrust for government yet trust of others


Investing is when you seek to make money from owning things.   Making money from owning things is economic rent.    > Investing is a valid practice that helps new businesses and, by extension, society as a whole.  Investing has good and bad effects.  The good is that useful capital is created.  The bad is that rent is created.  Corporate tax cuts are a disaster.  It's increasing the bad part of investment with a net negative effect on the good part.


As they say, the grass is always greener... Honestly though, I understand the issues that a spike in gas prices (or anything as a matter of fact) causes, regardless of whether gas was cheap or expensive to begin with. I can assure all the Californians though, that once the initial shock wears off life will go on as usual.


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Gonna take more than seasonality to break current momentum. Sentiment is not overly bullish from a retail or institutional aspect. If the year ended today this year would have the smallest drop on record (<3%). The short run outlook of 3-6 months looks very positive from this perspective assuming no unforeseen catalyst occurs to break this trend.   Longer term, were in for a correction...but that's normal and nobody knows when it will happen. Anyone investing in stocks should know this and if they don't they need a new advisor or should not be investing alone. Buy the fucking dip and diversify your shit.


Tax is due in India as you offered services from India.  So whether the International Client pays via Credit Card, Bank Transfer, Paypal or any other means is not relevant. Even if the International Client pays you in a account outside India; it is still taxable in India.


Depends on the reason you were issued the credit -- rebates aren't income, remuneration for value you provide to them is. In other words, exactly the same as it they gave you money.


"Everyone buys different kinds of goods. For example I don't smoke tobacco so I'm not affected by increased tobacco prices. I also don't have a car so I'm not affected by the reduced oil prices either. But my landlord increased the monthly fee of the apartment so my cost of living per month suddenly increased more than 10% relative to the same month a year before.  This is well known, also by the statistical offices. As you say, the niveau of the rent is not only time- but also location specific, so there are separate rent indices (German: Mietspiegel). But also for the general consumer price indices at least in my country (Germany) statistics are kept for different categories of things as well.  So, the German Federal Statistical Office (Statistisches Bundesamt) not only publishes ""the"" consumer price index for the standard consumer basket, but also consumer price indices  for oil, gas, rents, food, public transport, ... Nowadays, they even have a web site where you can put in your personal weighting for these topics and look at ""your"" inflation:  https://www.destatis.de/DE/Service/InteraktiveAnwendungen/InflationsrechnerSVG.svg Maybe something similar is available for your country?"


Disclaimer: I am not a tax specialist You probably need a sales tax permit if you're going to sell goods, since just about every state taxes goods, though some states have exemptions for various types of goods.  For services, it gets tricker. There is a database here that lists what services are taxed in what states; in Wyoming, for example, cellphone services and diaper services are taxed, while insurance services and barber services are not.  For selling over the internet, it gets even dicier. There's a guide on nolo.com that claims to be comprehensive; it states that the default rule of thumb is that if you have a physical presence in a state, such as a warehouse or a retail shop or an office, you must collect tax on sales in that state. Given your situation, you probably only need to collect sales tax on customers in Wyoming. Probably.  In any event, I'd advice having a chat with an accountant in Wyoming who can help walk you through what permits may or may not be needed.


">> but something doesn't ""feel"" right about it.   You just read a story by the Washington Post, i.e. Jeff Bezos, I.e. Walmart's no. 1 enemy. And it was written accordingly.   Maybe we should wait until this is running to judge it ?"


First, I don't think your parents are ripping you off, but you should get your agreement in writing. The fact that you never own more than 25% doesn't matter. If the condo's value is increasing, you are in fact building equity. Your share of the equity just doesn't increase, but it doesn't decrease either. For example, if the condo is worth $300,000 now, you have $75,000 in equity. Of course if the value is decreasing, so is your equity. If you are paying $500/month in interest (as OP clarified above), and you don't have a written agreement, you are probably unable to claim that payment as mortgage interest if you itemize your deductions on U.S. federal or state tax returns, thus you may be losing out on a legal tax deduction (assuming you earn enough to itemize). They will need to give you each year the proper IRS form for mortgage interest (Form 1098). And, they have to claim the $500/month as interest income on their tax returns. Having a written and signed contract eliminates confusion and potential for heartbreaking misunderstanding the future--and it sounds like you are already experiencing some doubt and confusion now. Your rate seems within market rates for an interest-only loan. Let's say you wanted to buy out your parents' share of the condo right now. Would you pay $115,000 or would you have to get an appraisal to find out what the condo is worth now? If you can't answer that question, you need to get that in writing so that you won't have an argument over it someday. If the condo has appreciated significantly and all you have to pay is the $115,000, then that's a sweet deal for you, because you'd be buying out a much more valuable property for much less than it's worth. If that is the agreement, and the property is appreciating (no guarantee, especially with condos), then you are essentially building equity. If the property is declining in value and you do wish to sell it, then you won't have to pay $115,000; they'll just end up with their 75% share, which will be less than the $115K they invested. Both of you would lose some of your investment, but you would have had all the benefits of living in a nice condo all those years and they wouldn't. They are definitely taking more risk than you are. Second, if you had $40,000 cash saved up, your parents probably raised you with some good financial sense and work ethic, so I'm optimistic they have good intentions for your future. Operate from that frame of mind when you go to ask for a written agreement. Next, read up about Equity Share Agreements. There are many models that will help inform your decisions. But, you should engage a real estate lawyer to help you draw up a fair agreement for both parties.  I was in an equity share agreement for my first townhouse. It's a common practice, and it won't cost all that much to get one created. It's worth the money to get it done properly.


I was reading about the development of our modern highway system. Remember 'what's good for General Motors is good for America'? The car manufacturers had a lot to do with the building of the interstates.  The problem is every new generations thinks the problems it sees are new when they are are really just the same ol' same ol' in news togs. Ultimately, much of our inclination to fuck up is down to our lives being so short. Nobody remembers.


"A non-trading stock or non-marketable security or unlisted security is one that does not trade continually on an exchange. For tax purposes, this can mean a whole new ball of wax which I would prefer the experts address with an edit to this answer or a new answer. For financial accounting purposes, this is when, say, one owns shares in an unlisted corporation and should be treated very carefully less one delude oneself. For trading stock, the value can be known immediately by checking any valid data provider's price and marking to market.  For non-trading stock, the value has to be ""marked to model"".  This can get one into Enron sized trouble. In this case, it's best to either leave the value of the stock at the purchase price and recognize gains upon sale, use a price from another honest transaction by third parties which are most likely difficult to attain, or to use some shorthand measure like applying the market P/E. Be wary of strangely high figures for value from the purchase price by using a market average, and don't throw away the shares just yet if a strangely low one arises.  This method can lead to strange results."


Are you claiming the powerful can predict the ups and downs of the economy well enough to consistently profit from it? Please show me these great investors that don't fail much; there must be quite a few, right?


1. It was the late 1960's to the 1970's. 2. It was completely media hype and mostly present in popular literature. 3. It was never a widespread conjecture among the scientific community or the scientific literature of the time. Between 1965 to 1979, [7 articles predicted cooling and 44 predicted warming.](http://journals.ametsoc.org/doi/pdf/10.1175/2008BAMS2370.1)  Even though most articles predicted warming, only the ones that predicted cooling got media attention.


everyone parrots this as the great libertarian dream or something, but in reality all it would do was ramp up industrial espionage on a scale never seen before. Plenty of good, progressive business is done on the back of intellectual property legislation.


Up 20% since election. 30% move from election to late Feb early March. Were you a buyer after Brexit or in Oct of last year?   30% down move from here takes us to early 2014 where it hit ATH (beating strange 08' spike).


Well, yes it does, but just because the debt is trading at 80 cents on the dollar doesn't mean that the company can actually legally get away with paying only 80 cents on the dollar. They would have to come to an agreement with the debt holders first. And perhaps they could, but the more conservative approach is to use the book value of the debt.  Or what about debt that's trading at a premium to its face value, because, say, interest rates have come down relative to the time the debt was issued? The amount that the conpany owes to the debt holders hasn't suddenly gone up.


I guess that means I should be making about $250k a year right now.  I've been at my company for 16 years.  The wage and profit sharing program beat the market wages in my area by a wide margin.  Not all companies are interested in screwing their employees.


Ben Miller's answer is very thorough, and I up voted it. I believe that the ability to rebalance without tax implications is very import, but there are two aspects of the question that were not covered: The 401K in many cases comes with a company match. Putting enough money into the fund each year to maximize the match, give you free money that is not available in the non-retirement accounts. The presence of that match is to encourage employees to contribute: even if they are tying up their funds until retirement age; and they are into a plan with only a handful of investment options; and they may have higher expenses in the 401K. The question also had a concern about the annual limits for the 401K (18,000) and the IRA (5,500). The use of a retirement account doesn't in any way limit your ability to invest in non-retirement accounts. You can choose to invest from 0 to 23,500 in the retirement accounts and from 0 to unlimited into the non-retirement accounts. Double those amounts if you are married.


Firstly decide how long you may be in the country. You will nearly surely have nowhere near sufficient time to suit everything in your listing inside the time body you've got in your excursion. So determine what is most important to you. Cuba isn't a reasonably-priced destination! Take an affordable sum of money. Credit playing cards are restrained in use to huge lodges. Be certain you take a look at your card might be time-honored of the Accommodations in Cuba. They no longer take much credit playing cards. The price of every transaction is also very high-priced, so playing cards are first-rate used simplest in big quantities. Cuba can be an exceedingly small country. However, their form of geographic areas gives you many picks in activities.


It might vary a lot depending on what you'd be doing. I work in PE and my life is mostly a smear of meetings, dinners, weekend getaways, etc., with the people we're trying to pitch to. My friends in VC performing a similar role seem to have a better balance between work and personal life.   That being said, our in office staff work a more or less 9-5 week except when there's a crunch for reports or prep work.


ok fuck it then, you'd rather discuss how to pass the CFA five times a week? enjoy!  by the way - if you're going to be so condescending with your information - at least be correct when doing so. Ireland and Greece have both taken on debt to support failing banks - whether or not they did before the crisis, and whether or not it is only a small  % of total deficit, is irrelevant to his question. this is the entire reason direct recapitalizing has been implemented with ESF - to prevent further deterioration of country balance sheets


"We'll, he provides some figures on the burden on lower income households.  It kind of makes sense.  Even if both middle class households and lower income households consume the same relative amounts of ""sinful"" goods, there will likely be a higher burden on the poor.  It's exasperated by the high tax rate on those goods. The only way to remove that higher burden is for the poor to ""consume less vice"" than the affluent.  That's an awkward position to hold.  It doesn't make sin taxes bad public policy.  They're an effective tax strategy that can be dedicated to helping provide other necessary social services.  But, they can be regressive and push other values at the same time."


I wouldn't doubt they're real eggs, but them and dunkin donuts, they're frozen + who knows how many other storage / preservative processes they go through.  Something about a reheated frozen egg in a perfect circle just doesn't cut it for me. The regular, fresh, non-frozen eggs cooked then and there for the first time off the grill taste less bland to me.


Cryptocurrency is undoubtedly at the peak of Gartner hype cycle, but it very well could revolutionise the way we use currency for our daily needs in the future.  Stay with me on this… At present, cryptocurrency appears no more than a speculation that is sugar-coated by individuals who have vested interest in it. However, if we overlook this excitement, the actual use of cryptocurrency is mind-boggling.   Suppose you had a mid-life crisis and went on a journey to the middle of the Earth to find where humans supposedly originated from, and you met and connected with a local coffee farmer named Razaq in a very remote part of Ethiopia. He invited you for an evening coffee and you obliged, and six months later you yearned for this same coffee whilst you were having another wave of existential thoughts in your penthouse that overlooked the urban jungle.  Suddenly, you remembered that Razaq had a cheap but functional smartphone with a Bitcoin wallet, and afterwards you communicated with him on WhatsApp and decided to enter in a transaction with him. Razaq is delighted with this technology, but mainly because he does not have to travel 100 km to-and-fro the nearest city where his bank is located, and he is also happy that he can send a sack of coffee beans to his friend who lives in a faraway land, and all he needs to do is hand over the coffee sack to delivery truck en route the shipping port. Ultimately, saving Razaq lot of his precious time and resources.  Now use this one example and multiply it by hundreds of millions of people around the world who have a very remote access to a ‘bank’, but have an access to a basic smartphone – imagine the possibility of connecting people like Razaq to the ‘internet’ world and having a seamless cross-border trade finance transaction using currency that is not controlled by any government.  Like many others, I am keen to see the developments of cryptocurrency in the coming years, but for now I remain sceptical. That said, I am more interest in the countless opportunities that will be unlocked by the very technology that is fundamental to all the cryptocurrencies; the Blockchain.  Crytocurrency is one branch of Blockchain technology which has proved useful. There are million other possibilities which I'm sure will benefit many industries in the coming decade, and I, for one, am very excited.


"> I think you take some pretty big liberties assuming I think people deserve failure.  To lurkers: /u/JohnTesh is responding to something I quickly deleted after posting my last message.  Damn, he is fast.  I don't think so.  If you believe your success in life is earned then you must also conclude that most people's failure in life is also earned.  > Or do you think they use the term lucky to mean there is no merit basis for the difference?  I think people mean this more than your other but I think the word ""merit"" is too shallow. Of course success should go to someone who has merit.  The ""luck"" assertion is that whether or not a person possesses merit is decided by factors out of that person's control.  > I'm not saying everyone with money has it because of merit...  Of course not.  There are exceptions to every rule.  We are both talking in generalities."


>*With few exceptions, it doesn’t make twentieth-century weapons. You can go farther back into history and have Lego swords and Lego catapults, but not Lego M-16 automatic rifles or rocket-propelled grenade launchers from today. Or you can go forward into fantasy and have Lego laser blasters and plasma cannons, but you can’t have World War II machine guns and bazookas.*  When I was a kid, I *made* guns out of Lego.


You claim that IQ accurately measures intelligence and problem solving skills and it's supposed to measure those abilities in a way that is independent of education.  Therefore if you're right blacks ate stupider than whites. Stop waffling, stop prevaticating and own that.  I fully understand how genetics work. I'm trying to tell you that there are two choices here. African Americans are stupider than Caucasians of there's a problem with the test.  Your own studies claim there is no epigenetic basis for the point disparity. They don't argue the test is perfect you do. Own you opinions.


Dynamic Moving Montreal cares about the environment. We use green, recyclable moving materials, we help plant trees around Montreal and we encourage our clients to rent plastic bins instead of buying cardboard boxes which is the new convenient,  and Eco-friendly solution to packing your home. We also Recycle your old furniture and home appliances in an Eco-friendly manner.


To start with gold has value because it is scarce, durable, attractive and can be made into jewellery. But that does not explain its current value. In the current economic climate, it is difficult for many investors to get a positive return on conventional investments such as equities or bonds. I theorise that, in such conditions, investors decide to park their money in gold simply because there are few other good options. This in itself drives the price of gold up, making it a better investment and causing a speculative boom. As you will see here, here, and here the gold price is negatively correlated with stock market indices.


As Phil notes, converting to Roth means paying tax on the entire amount of the 401k (or, the entire amount moved, anyway).  Most of the time that's a bad idea.  Roth is a good idea when you're young and paying lower taxes (and often have lots of deductions), and when your money will have lots of time to appreciate tax-free. I imagine there could be edge cases, though, where this could be a good idea.  If he's got a lot of savings which he's planning to live off of for a few years (not the income, but the savings itself), then he would have $0 income for those years.  In that case, it's logical to convert some of the 401k to a Roth IRA, to take advantage of lower tax rates (probably up to or through the 15% tax rate, depending on if his total dollars are enough that he'll be paying an actual tax rate (not marginal) higher than 15% or not).   Now, odds are it's better to take that savings and invest it along with the 401k and then live off of those earnings, rather than just spending the savings, but I imagine there are some with circumstances where this would make sense - particularly if, for example, he downsized in houses and has a few hundred K from that, tax-free.


You already got good answers on why you can't buy a Toyota from the factory, but my answer is regarding to the implied second part of your question: how to avoid haggling. I found a good way to avoid the haggling at a car dealership can be simply to not haggle. Go in with a different attitude. The main reason car dealers list inflated prices and then haggle is that they expect the customers to haggle. It is fundamentally based on distrust on both sides. Treat the sales person as your advisor, your business partner, as somebody you trust as an expert in his field, and you'll be surprised how the experience changes. Of course, make sure that the trust is justified. Sales reps have a fine line to walk. Of course they like to sell a car for more money, but they also do not want a reputation of overcharging customers. They'd rather you recommend them to your friends and post good reviews on Yelp. In the end, all reputable dealers effectively have a fixed-price policy, or close to it, even those who don't advertise it, and even for used cars. Haggling just prolongs the process to get there. And sales reps are people. Often people who hate the haggling part of their job as much as you do. I was in the market for a new (used) car a few months ago. In the end, it was between two cars (one of them a Toyota), both from the brand-name dealer's respective used car lots. In both cases, I went in knowing in advance what the car's fair market value was and what I was willing to pay (as well as details about the car, mileage, condition etc. - thanks to the Internet). Both cars were marked significantly higher. As soon as the sales rep realized that I wasn't even trying to haggle - the price dropped to the fair value. I didn't even have to ask for it. The rep even offered some extras thrown into the deal, things I hadn't even asked for (things like towing my old car to the junk yard).


There are different types and designs of clutch bags available on the web. Clutch Bags provide all kinds of bags online at an affordable price. Our best popular product is Clutch purse,  which is made in the USA.Purses were generally used in religious ceremonies,  then later were more commonly used for carrying money and valuables. Clutches come in a huge variety of shapes, makes, and styles, all of which can vary between brands and seasons.


The value does change from 12.61% to 13.48%. The difference between re-investing cashflows at 14% vs 12% is not big enough to change the rounded value. Edit: The initial cashflow is discounted at t0, meaning it's already equal to its present value and the finance rate doesn't have an effect. It does impact future outgoing cashflows, as you've noted.


"The applicants go through the same process as for any other loan.  The only difference is that the ""bank"" is people like me, perhaps 200 of us on a note.  We kick in $25 or so on each note and get the opportunity to ask the applicant questions.  The investors pay a small percentage as fees to have professionals rate the notes.  The worse the credit, the higher the interest rates the note holder recieves.  Of course if the person stops paying, we receive nothing.  Calculated risk.    I invest in high risk notes sometimes depending on what it's for and have several in my portfolio.  It's literally microlending.  I can afford to lose $25 on a risky loan or two for a 19% profit because the rest of my portfolio is diversified into hundreds of 9-11% notes.  It works surprisingly well."


>I sense latent hostility in your phrasing, but I hope I am wrong. It feels like you are accusing me of making a profit,   No hostility intended.  I just know that if an incremental dollar is to be made from an investment, a business will venture into that increment.     Now yes, you have to look at ROI.   How long is the payback period on my investment?   Higher taxes make make the payback period take longer.   Perhaps the risk/reward payoff just doesn't make a risk worth while any more.  but at the end of the day, if investing in a new machine means you can improve productivity by 10%, and it means a 10% increase in net income before taxes, you're going to do it regardless of whether there's a 2% increase in taxes or not.  Some choices in business are more cut and dry than others.     All I'm saying is that business is really driven by profit, and if an investment will yield you more profit, you're probably going to make it.


May I suggest putting it in a Roth IRA ($5,500 per year.  Right now you can contribute to both 2015 and 2016 so that's $11K.)?  Based on your description it sounds like your tax rate is very low, so it is awesome to put it away now and avoid taxes later on any gains you make on it.  You can use Roth IRA money to pay for college, a home, or retirement. Within your Roth IRA, any of the investment options mentioned here will work. For example, CD's or money market accounts if you just want it to grow in a pretty much savings-account-like manner.  You could also buy diversified mutual funds or have some fun buying individual stocks with some of it. I'm sorry to say that in the current market conditions you are not going to find a completely safe, cash-like investment or account that makes your money grow substantially.  To do that you have to bear risk by buying risky stuff like stocks.


"If you buy a long term bond with long term fixed interest rate, and then the interest rates increase, your bond is worth less. That's not a problem, because over the years the value of the bond will go back to its nominal value. If you have a bond that doesn't pay out annually but increases its value every year, you will get exactly the amount of cash when it pays out that you expected.  The problem is that if for 20 years interest rates were 8% while your bond only paid 4%, then you will have such an amount of inflation that the cash you get is worth much less than you hoped. You may have hoped that your bond would be worth ""one year average salary"", but it may be only worth ""six months of average salary"", even if the dollar amount is exactly what you expected."


"JoeTaxpayer's answer adequately explained leverage and some of your risks.   Your risks also include: The firm's risk is that you will figure out a way to leave them with a negative account that contributes to another customer's profit and yet you disappear in a way that makes the negative account impossible to collect. Another risk is that you are not who you say you are, or that the money you invest is not yours.  These are called ""know your customer"" risks."


No necessarily.   Do you bring any unique value to the company other than a sweaty pair of hands?   Did you bring a unique skill, bring in investors, have relationships that are able to get the business off the ground, have intellectual property worth something to the business?  Did you cultivate the unique seeds or strain on your own before the business started?  These are all things one takes into consideration when dividng up shares in a company.  The question you need to ask yourself is could someone else have provided the sweaty hands other than you?  If yes, then unfortunately you provide no unique value to the business and that will be reflected in how share are portioned.   I'm speaking as a co-founder in a Silicon Valley tech company.   I've spent a lot of money with lawyers to understand this.   You should definitely talk to a lawyer.


It is a mandatory process for every homeowner to inspect the building before buying or sell the building.  We are a good safety agency in the Australia, our experience team uses the new technology to inspect the main issue of the building. There is a lot of inspection service provider in Australia, but they are not proper qualified in this work. It is one of most inspector and trustable company. Get the good inspection group by means of Assured Building Inspections. We are specialising the maximum troubles in Pre Purchase Property Inspections – building & pest inspections. Our impartial opinions, offer our clients with the confidence and peace of mind they need to do nicely knowledgeable, properly taken into consideration selections approximately any belongings constructing troubles. We  companion the maximum building inspection group for the higher result.


3 years. I passed each of the three exams on the first try.   But don't forget, to actually receive the CFA charter you need 4 years of financial industry work experience (this can be earned concurrent to sitting for the exams).