Five Guys is 3x more and Wendy's has become surprisingly hit or miss which makes me wary since I'm only eating at any of these places while on the road. However, Wendy's nuggets are vastly superior and always consistent so when I'm feeling 5 years old they win over McD's.


"Without researching the securities in question I couldn't tell you which cycle each is in, but your answer is that they have different expiration cycles. The following definition is from the CBOE website; ""Expiration cycle An expiration cycle relates to the dates on which options on a particular underlying security expire. A given option, other than LEAPS®, will be assigned to one of three cycles, the January cycle, the February cycle or the March cycle."""


It's already happening. Cryptocurrencies are your friend in this case.  The other day I was on a torrent website which replaced ads with Monero based Captcha. I believe the website was using my CPU power to mine small amount Monero for themselves. If this is true, you won't need ads. Revenue will come straight from mining cryptos using the consumer's CPU.


"That's just you injecting the topic into the article, which has none of that (since the 99% figure the article uses doesn't actually break out by gender, and the article is just using ""women"" as its base gendered pronoun because it's a blog by a ""Mom"")."


2 things may happen. Either your positions are closed by the broker and the loss or profit is credited to your account. Else it is carried over to the next day and you pay interest on the stocks lent to you. What happens will be decided by the agreement signed between you and your broker.


"> Some people will always be at the bottom of the class pyramid though. Should they be unable to have a __speedboat__ because of that?   Yup.  > Some people will always be at the bottom of the class pyramid though. Should they be unable to have a __really fast car__ because of that?   Yup.  > Some people will always be at the bottom of the class pyramid though. Should they be unable to have a __mansion__ because of that?   Yup.  > Some people will always be at the bottom of the class pyramid though. Should they be unable to have a __Caribbean island__ because of that?   Yup.  > Some people will always be at the bottom of the class pyramid though. Should they be unable to have a __family__ because of that?   Yup.  ""But I *reeeeeeeeeeeeeeeeeeally* want one!"" doesn't work for ponies, and it shouldn't work for babies, either.  I consider myself a socialist, mostly, but *fuck* people who try to hold my ethics to ransom by having kids they can't afford to have."


This is why we tell people not to co-sign unless they are able and willing to risk that money becoming a gift... or are able and willing to treat it as business rather than family. Unfortunately that advice is a bit late now to help you. When you cosigned, you promised the bank that you would make any payments he didn't. The bank doesn't care why he didn't, they just want their money on time. Getting him to repay you for covering this is strictly between the two of you, and unless you signed paperwork at the time establishing a contract other than the promise to cover his loan this becomes Extremely Messy. First step is to make the payments so the loan doesn't continue acquiring fees and hurting your credit rating, and keep it from falling behind again. Then you have to convince him to repay the money you have effectively given him. Depending on your relationship, and financial situations, you may decide to carry him for a while and trust that he'll pay you back when he can, or sic a lawyer on him. You need to make that decision, recognizing that it may be a matter of how much family drama you are willing to tolerate.


You seem quite certain of yourself. Very well, I'll bite.   How, exactly, did you differentiate yourself from the rest of the pack? I'd imagine you needed excellent writing/speaking skills, but that goes without saying.  And also, while it can be difficult to leave one's keyboard, at the same time, isn't the internet generally where network groups are announced?


The best bank with least amount of gotchas is Alliant Credit Union.  I did a lot of research and finally decided on this bank.   I did a comparative study between ING, Ally and Alliant and found Alliant to be superior than the the other two.   More about my study: http://www.moneycone.com/a-bank-thats-better-than-ally-and-ingdirect/ If you do find a better bank than this, please update this post, I'd definitely like to know! Disclaimer: I have no relationship with either of the three banks.


"I sent myself an Tangerine email money transfer. They sent me an email which took me to a website. After I entered the secret answer, they asked me for the destination bank account's details. They asked me to enter the transit number once, the institution number once, and the account number twice. They also showed a bold warning message: ""Please ensure that the details of your Canadian Bank Account (account number and bank information) are entered correctly."" Asking for the account number twice isn't a perfect safeguard, but it's better than nothing. In some countries, bank account numbers include a ""check digit"" for typo prevention, but I was unable to find any evidence online that this is true in Canada. Tangerine's system isn't 100% mistake-proof, but it's good enough that I think I'm going to use it."


I know this has already been answered and I know its frowned upon to dump a link, however, when it comes to investments it's best to get data from an 'official' source to avoid misinterpretations and personal opinions.  The attached pdf is from the S&P and provides detailed, but not overwhelming, information regarding the types of preferreds, the risks & common terminology: http://us.spindices.com/documents/education/practice-essentials-us-preferreds.pdf Page 1: PREFERRED SECURITIES DEFINED  Borrowing from two worlds, a preferred security has both equity and   fixed income  characteristics.  As such, the preferred structure   offers a flexible approach to structuring a preferred offering for an   issuer.   Companies have many reasons to issue preferred securities.  Financial   institutions, for  example, need to raise capital.  Many times they   will use the preferred market because of  any required regulatory   requirements, in addition to cost considerations.  Banks and    financial institutions are required to maintain a certain level of   Tier 1 capital—which  includes common equity and perpetual   non-cumulative preferreds—as protection against  the bank’s   liabilities.  Issuing more common equity comes at a cost, including   the dilution  of existing shares, which a company may not want to   bear.  Preferred securities are a  cheaper alternative approach to   raising the capital.  Companies often use preferred stock for strategic reasons.  Some of   these uses include:


"Because people are willing to trade for it.  People are willing to trade for Gold because: The value of gold goes up because the demand for it goes up, while the supply has been basically static (or growing at a low static rate) for a long time.  The demand is going up because people see it as a safe place to put their money.   Another reason Gold's value in dollars goes up, is because the value of the item it's traded against (dollars, euros, yen, etc) goes down, while its own value stays roughly the same. You point out Gold is not as liquid as cash, but gold (both traded on an exchange, and held physically) is easily sold.  There is always someone willing to trade you cash for gold.  Compare this to some of the bank stocks during the first part of our current recession.  People were not willing to give much of anything for your shares.  As the (annoying, misleading) advertisements say, ""Gold has never been worth zero""."


If you're wrong it is worse for the children. Artificially quadrupling energy costs in a vain effort to lower temps will kill more people by demolishing economies and restricting access to food and water.   I hope for global warming as it historically coincides with relative human prosperity. The little ice age was marked by human suffering and famine.


"A 'Call' gives you the right, but not the obligation, to buy a stock at a particular price. The price, called the ""strike price"" is fixed when you buy the option. Let's run through an example - AAPL trades @ $259. You think it's going up over the next year, and you decide to buy the $280 Jan11 call for $12.  Here are the details of this trade. Your cost is $1200 as options are traded on 100 shares each. You start to have the potential to make money only as Apple rises above $280 and the option trades ""in the money."" It would take a move to $292 for you to break even, but after that, you are making $100 for each dollar it goes higher. At $300, your $1200 would be worth $2000, for example. A 16% move on the stock and a 67% increase on your money. On the other hand, if the stock doesn't rise enough by January 2011, you lose it all.  A couple points here - American options are traded at any time. If the stock goes up next week, your $1200 may be worth $1500 and you can sell. If the option is not ""in the money"" its value is pure time value. There have been claims made that most options expire worthless. This of course is nonsense, you can see there will always be options with a strike below the price of the stock at expiration and those options are ""in the money."" Of course, we don't know what those options were traded at.  On the other end of this trade is the option seller. If he owns Apple, the sale is called a ""covered call"" and he is basically saying he's ok if the stock goes up enough that the buyer will get his shares for that price. For him, he knows that he'll get $292 (the $280, plus the option sale of $12) for a stock that is only $259 today. If the stock stays under $280, he just pocketed $12, 4.6% of the stock value, in just 3 months. This is why call writing can be a decent strategy for some investors. Especially if the market goes down, you can think of it as the investor lowering his cost by that $12. This particular strategy works best in a flat to down market. Of course in a fast rising market, the seller misses out on potentially high gains.  (I'll call it quits here, just to say a Put is the mirror image, you have the right to sell a stock at a given price. It's the difference similar to shorting a stock as opposed to buying it.) If you have a follow up question - happy to help. EDIT - Apple closed on Jan 21, 2011 at $326.72, the $280 call would have been worth $46.72 vs the purchase price of $12. Nearly 4X return (A 289% gain) in just over 4 months for a stock move of 26%. This is the leverage you can have with options. Any stock could just as easily trade flat to down, and the entire option premium, lost."


"I think ""optimal"" is a term that needs to be better qualified - what's optimal investment for one person is not necessary optimal for another, as it depends on the investor's time horizon, risk tolerance, and investment knowledge. I would personally put fix-income (or products that generates incomes that CRA considers as ""interest"") products in the TFSA so the gains aren't taxed at all.  I would consider putting preferred shares in this account as well, since dividend incomes are taxed higher than capital gain and preferred shares don't usually change in price unless the company's ability to pay the dividends are in-doubt.  I don't want to put common equities in TFSA as that would take away your ability to leverage past losses to reduce future capital gains. If you are using TFSA as a way to accelerate saving for a near-term purchase, then you definitely want to employ fix-income products as the underlying saving vehicle, since market volatility would be your enemy (unless you are feeling very lucky).   If you are using TFSA as a way to supplement your registered retirement saving account, then you can treat it the same way you would invest in your RRSP."


"At least in the US, one reason could be the ""liability shift"" that encourages adoption of chipped and contactless cards by shifting the fraud liability to the party that caused the transaction to not use chip-and-PIN / contactless payment: either the merchant (by not having a new compatible terminal) or the card issuer (by not providing the customer with a compatible card). This means the issuers will try to replace old, magnetic-only cards as soon as possible once adoption of the liability shift is certain. http://usa.visa.com/download/merchants/bulletin-us-participation-liability-shift-080911.pdf"


It's that craving followed by instant regret.   Then the 'never again' followed by a 'why not' a few months to a year later.  I did a box of Cap'n Crunch Berries about 3 years ago and haven't touched those again since that episode.  I'm waiting for that moment to happen with the Whopper.


While I respect the views of others, animal rights activists are some of the craziest out there.  I understand that it is wrong if a pet dog is abused and neglected, but this is a different story.  These are turkeys that humans bred for the sole purpose of killing and eating.  Sure, what these employees are doing looks pretty brutal, but soon enough, all of these turkeys are going to be dead and cooked on tables all around the world.


>Is she really more than a pretty face which helps the company grow revenues and attract a high valuation?  You say that like its a small feat.  The amount of attention she is has generated for the Company and its products makes her involvement incredibly valuable.    I don't imagine she is there packing boxes or negotiating with suppliers, but I don't think that makes her contributions less valuable than those of the other primary investors.


There is a dependent care spending account for child care related expenses. Also Medical and Dental expenses over a certain % of your income maybe deductible on your tax return.


Do you know why Asbestos removal is an important isuues? Because asbestos can cause lots of health problems, to avoid it called Read waste to remove asbestos and protect your family. They have stringently tested equipment that are operated by experienced, licenced and professional asbestos removers.


>Not sad but evil. Who am I to assign a dollar value to your life, your hopes, your dreams, your happiness? Who is anyone else?  Yes, you are right, to a point. Thinking of everyone in terms of their utility can lead to extreme evil.  I am responsible not only for those around me but also to my future generation. It is my responsibility that the future generation finds the world a bit better than it was when I came in existence. The world does not exist for me but I exist for the world. Like everything in the world, there is an upper bound to the value added by every organism, including myself. We can ignore it, similar to how climate deniers ignore global warming, fundamentalists ignore evolution and other fundamentalists deny the holocaust but that does not mean it is not reality.  Even if I am not a utilitarian, I am still a person for whom the future is as important as the past and the present and it is my duty to think of them and to do what I believe is right for them. I will be right sometimes and wrong in other instances but it is my responsibility to try. For me, it is evil to not think of making life better for my children, just because I was scared of being called evil and closed my eyes.  Finally, I leave you with this - http://online.wsj.com/article/SB10001424052970203918304577243321242833962.html


well, saying:  >DJIA went from 6,626.94 in March 6, 2009 to 17,100.18 in July 18, 2014. That's nearly a 200% increase in 5 years. The economy, on the other hand, has not reflected this rise.  is disingenuous at best since you're measuring the starting point from the depth of recession, when the stock market was severely undervalued.  This is also why many mutual funds boast absolutely ridiculous 5-year yields right now. The Dow hovered around 12,500 for much of 2007~2008, so if you used that as the baseline the index recovered to those levels in the 2nd quarter of 2011. From that point onwards, it's only a 25% increase over 3+ years for an 8% APR, in line with historic values.  I'm not gonna get into whether QE is good fiscal policy or not, all I'm saying is the tapering/ending of QE won't result in a full-on reversal like people seem to be expecting.


I've heard all kinds of stories. The internship I ended up with they didn't have a lot for me to do. Others they basically put them to work full-time. Now that I'm working and handling things competently in a private setting, I don't think I'd be open to having an intern just because they are only going to be there briefly and will consume a lot of my time training them.


I am a little sympathetic to that point in some relatively rare cases, but it definitely does not stand for regional flights that are only like 1-2hrs, which account for much of govt/business air travel. Most people are still capable of leading a high-quality meeting or presentation after 1.5 hrs in coach.  For longer flights, they could fly coach the day before and then spend a night in a hotel, which is often both cheaper and more refreshing than business class direct to the meeting.


Surely there's more to the picture than this.  Breaking the borrowing limit by going to 3.5% multiple times is surely no where near as bad as going to 18% once.  On top of this there was a fundamental difference in the use of capital.  Borrowing to invest (as Germany did) has been ridiculously beneficial for them.


"Large multinationals who do business in multiple locales hedge even ""stable"" currencies like the Euro, Yen and Pound - because a 5-10% adverse move in an exchange rate is highly consequential to the bottom line.  I doubt any of them are going to be doing significant amounts of business accepting a currency with a 400% annual range.  And why should they?  It's nothing more than another unit of payment - one with its own problems."


"sure..i agree with all of that i'm sure theories exist and are valid, but what about utility - maybe there is value in tracking where money comes from, but right now all i see bunch of people shining shit and calling it gold and suckers are buying into it, maybe in the future it will result real innovation that adds value to people's lives more than just anonymity  More importantly, I don't like how you answered this question, I expected pointers on how there is value for society in cryptocyrrency or me in it's current form; not propaganda about bitcoin  Edit: added ""or me"" into 2nd paragraph and last paragraph; and blockchains/underlying tech is not the issue"


Louis Vuitton outlet is the well-known for its high-level service and first-class products. Some people are not willing to go the Louis Vuitton outlet for their favorite items. With the popularity of Internet, many young people prefer to buy products in Louis Vuitton outlet online. What they need to do is just choose their products and click the mouse. After the payment, the products will be delivered to their home according to the address they left on the website.


Yes. If the deceased owned the policy, the proceeds are considered part of the estate. In the specific case where the estate is worth (this year 2011) more than $5M, there may be estate taxes due and the insurance would be prorated to pay its portion of that estate tax bill.  Keep in mind, the estate tax itself is subject to change. I recall when it was a simple $1M exemption, and if I had a $1M policy and just say $100K in assets, there would have been tax due on the $100K. In general, if there's any concern that one's estate would have the potential to owe estate tax, it's best to have the insurance owned by the beneficiary and gift them the premium cost each year.


That's tricky. Typically you lock in the minimum monthly payment when you close the loan. You can pay more but not less. Options:


@bstpierre gave you an example of a portfolio similar to IFA's 70 portfolio. Please, look other variants of example portfolios there and investigate which would suit to you.  Although the example portfolios are not ETF-based, required by the op, you can rather easily check corresponding components with this tool here. Before deciding your portfolio, fire up a spreadsheet (samples here) and do calculations and do not underestimate things below: Bogleheads have already answered this type of questions so why not look there? Less reinventing the wheel: google retirement portfolios site:bogleheads.org. I am not making any recommendations like other replies because financial recommendations devalue. I hope I steered you to the right track, use less time to pick individual funds or stocks and use more time to do your research.


> A job that doesn't allow someone to live with dignity and have their basic needs covered shouldn't exist.  But don't you think this position has the unintended consequence of removing jobs for those who don't need the job to make a living, but rather to gain experience, or just supplemental income?


Amazon is a great company and they lead in the eCommerce growth but a majority of the holiday spends are still at the brick store level.  My guess is Best Buy, Victoria's Secret, and Macy's are doing well.  Walmart should be doing well too but I'm not surprised if they don't meet expectation.


"Life would be nicer had we not needed lawyers. But for some things - you better get a proper legal advice. This is one of these things. Generally, the United States is a union of 50 different sovereign entities, so you're asking more about Texas, less about the US. So you'd better talk to a Texas lawyer. Usually, stock ownership is only registered by the company itself (and sometimes not even that, look up ""street name""), and not reported to the government. You may get a paper stock certificate, but many companies no longer issue those. Don't forget to talk to a lawyer and a tax adviser in your home country, as well. You'll be dealing with tax authorities there as well. The difference between ""unoted"" (never heard of this term before) and ""regular"" stocks is that the ""unoted"" are not publicly traded. As such, many things that your broker does (like tax statements, at source withholding, etc) you and your company will have to do on your own. If your company plans on paying dividends, you'll have to have a US tax ID (ITIN or SSN), and the company will have to withhold the US portion of the taxes. Don't forget to talk to a tax adviser about what happens when you sell the stock. Also, since the company is not publicly traded, consider how will you be able to sell it, if at all."


I don't probably shit like the facts.  This chart shows the US population by age.  I don't really see any pyramid that I'm supposedly laboring under.  http://i.imgur.com/piIUyEp.png  Hell just take a look us demographics wiki page.   Edit: Nevermind, I see it now, there are like a million more baby boomers than there are teenagers. I feel like I'm being ground into dust by their weight.


I think it really works for some people.  They got a couple days off work, some meals at a fancy hotel, free booze, free shit.  Most are probably the kind of people who don't really care about the company or their job.  Then, the people who are in charge of doing this kind of junk go on about how successful it was, etc.  That gets reported in the meeting.  What the higher ups don't see are the people hanging out in someone else's office shooting the shit about how stupid things are.  Then there's this question as to why company morale is so low, and no one can figure it out for the BS they've been shoveled.  Too much middle management and layers of corporate BS (overstuffed 'communications' departments, HR people, meetings upon meetings filled with people trying to make themselves look good whatever the cost, etc) and everyone thinks everything is golden.  So many worthless people involved, making themselves look valuable by spending money.


"If you use ""a room or other separately identifiable space"" within your apartment exclusively for your business, then you might be able to recoup a fraction of your rent for that. Check the rules for home office at the IRS and adopt a consistent and well-documented approach. (I would pay your full rent out of your personal account, and then do an ""expense report"" for the portion that's legitimately business related, but that's not a unique approach.) Other than that, I agree with the answer by litteadv - You cannot reduce your tax by the full amount of your rent just by having the S Corp pay, and trying to do so is probably playing with fire.  Generally speaking, don't comingle business and personal expenses like that."


It is likely a bit of both.  Cooking the books AND an economic miracle.       There will definitely be a downturn eventually, and it will be interesting what shakes out.  At this stage, the Chinese model appears to be stronger than any alternatives.


"Share price is based on demand.  Assuming the same amount of shares are made available for trade then stocks with a higher demand will have a higher price.  So say a company has 1000 shares in total and that company needs to raise $100. They decide to sell 100 shares for $1 to raise their $100. If there is demand for 100 shares for at least $1 then they achieve their goal. But if the market decides the shares in this company are only worth 50 cents then the company only raises $50. So where do they get the other $50 they needed? Well one option is to sell another 100 shares. The dilution comes about because in the first scenario the company retains ownership of 900 or 90% of the equity. In the second scenario it retains ownership of only 800 shares or 80% of the equity. The benefit to the company and shareholders of a higher price is basically just math. Any multiple of shares times a higher price means there is more value to owning those shares. Therefore they can sell fewer shares to raise the same amount.  A lot of starts up offer employees shares as part of their remuneration package because cash flow is typically tight when starting a new business. So if you're trying to attract the best and brightest it's easier to offer them shares if they are worth more than those of company with a similar opportunity down the road. Share price can also act as something of a credit score. In that a higher share price ""may"" reflect a more credit worthy company and therefore ""may"" make it easier for that company to obtain credit. All else being equal, it also makes it more expensive for a competitor to take over a company the higher the share price. So it can offer some defensive and offensive advantages. All ceteris paribus of course."


Here is a list of threads in other subreddits about the same content:   * [What does the circular economy look like in cities?](https://www.reddit.com/r/environment/comments/71nlz0/what_does_the_circular_economy_look_like_in_cities/) on /r/environment with 0 karma (created at 2017-09-22 04:55:20 by /u/thinkB4WeSpeak)  ----   ^^I ^^am ^^a ^^bot  ^^[FAQ](https://www.reddit.com/r/DuplicatesBot/wiki/index)-[Code](https://github.com/PokestarFan/DuplicateBot)-[Bugs](https://www.reddit.com/r/DuplicatesBot/comments/6ypgmx/bugs_and_problems/)-[Suggestions](https://www.reddit.com/r/DuplicatesBot/comments/6ypg85/suggestion_for_duplicatesbot/)-[Block](https://www.reddit.com/r/DuplicatesBot/wiki/index#wiki_block_bot_from_tagging_on_your_posts)  ^^Now ^^you ^^can ^^remove ^^the ^^comment ^^by ^^replying ^^delete!


"Although this is an old question, it's worth pointing out that the Google Stock Screener now supports stocks traded on the London Stock Exchange. From the country dropdown on the left, select ""United Kingdom"" and use the screener as before."


"Your argument is everything like the faucet.  [You wrote](https://www.reddit.com/r/business/comments/6msutw/tech_firms_unite_for_net_neutrality_protest/dk4q7vr/):  *""Which is, for example, why my current Comcast service is ""unlimited bandwidth"".""*  Your faucet entitles you to unlimited water.  I say unlimited water because you cannot have ""unlimited bandwidth""; bandwidth is actually fixed by the properties of physics.  You meant to say unlimited flow through the bandwidth that's available.  I addressed that directly.  Yet you saw fit to make another douchey (**in bold, this time**) comment in response.  Have a downvote."


The justice system in the United States isn’t perfect. Far from it, in fact, but it is still one of the best justice systems in the United States and it is the best available method for seeking recourse when you feel you have been wronged. Whether the issue is insurance claims, personal injury, auto accidents, Social Security Disability, or wrongful death cases—if you have been wronged, you ought to look to Grover Arnett for help.


I've read this claim many times in the news: banks are making less profit from the lending business when interest rates are historically low. The issue with most loans is they can be satisfied at any time.  When you have falling interest rates it means most of the banks loans are refinanced from nice high rates to current market low interest rates which can significantly reduce the expected return on past loans.  The bank gets the money back when it wants it the least because it can only re-lend the money at the current market (lower) interest rates.  When interest rates are increasing refinance and early repayment activity reduces significantly. It's important to look at the loan from the point of view of the bank, a bank must first issue out the entire principal amount.  On a 60 month loan the lender has not received payments sufficient to satisfy the principal until around 50th or 55th month depending on the interest rate.  If the bank receives payment of the outstanding amount on month 30 the expected return on that loan is reduced significantly. Consider a $10,000, 60 month loan at 5% apr.  The bank is expected to receive $11,322 in total for interest income of $1,322.  If the loan is repaid on month 30, the total interest is about $972.  That's a 26% reduction of expected interest income, and the money received can only be re-lent for yet a lower interest rate. Add to this the tricky accounting of holding a loan, which is really a discounted bond, which is an asset, on the books and profitability of lending while interest rates are falling gets really funky. And this doesn't even examine default risk/cost.


your 401k is charged a management fee, directly debited from your account. the mutual funds and etfs therein have operating expense ratios, which are taken out of their performance. your IRA and brokerage accounts likely have commissions assessed per transaction. that is really it!


No; it's a bond, not a wrapper like an ISA. You can buy more bonds, assuming you do this before they run out. And it's a retail bond, so you can't sell it; you have to leave the money tied up for the term. Remember, once you take cash out of an ISA you can't put it back - though you could of course put it back using this year's (£15k) allowance. And as the bond has 20% tax deducted at source, it's maybe not a good idea to take money out and lose its tax free nature. You can get 2.4% tax free from Coventry Building Society.


I thought that as well. Not sure. As I stated she may be just unable to due to the relationship they have or she may know my current financial situation and is looking out for me and throwing me a bone. Initially if I'd found someone else I would've gotten a percentage of the monthly profits but I'm looking to be the sole investor so I can get out of my current living situation and become a productive member of society. Also to move to California and be closer to it only friends I have out there but also closer to the business itself. I fully plan to learn all about weed and what and why and how etc but for now I just wanna invest


Irrelevant to the question. Regardless what is used for the tax base, we would still have the same debate but with much larger anti-taxation sentiments.   Supply side Jesus either works or doesn't and shifting the federal revenue sources to the income taxes does not change it.


I used to trade on Nasdaq using a US broker from the UK, you need a way to convert your money into US $s and have the cost of international money transfers. I don’t know if there are any laws in Turkey that will stop you using a US broker.   You are also on your own if anything goes wrong, as the Turkish police will not be interested, and the US police will be very hard to deal with from Turkey. This all depends on Turkey not unplugging the internet on the day you wish to trade on!!! (I used tdameritrade, but it was a VERY long timer ago, as UK brokers are now as cheap, you should also consider UK based brokers as they  will also let you trade outside of the USA.)


"> You bring up the Feds but that confounds the issue because now we have to talk about monetary policy, taxation is fiscal policy  If the goal is for more investments, you have to account for loans and money supply. Far more investment is done on issued bonds than on retained profits.  >the firm has more money they are going to spend it somewhere  That's an oversimplification... they'll spend to maximize profit, not to grow GDP. The two are related, but the first isn't always optimal to the second... if a firm captures monopoly, that's bad for GDP.  The examples in the link are relevant in that context. They're only a part of the economy (""92 publicly held U.S. corporations that reported a U.S. profit every year from 2008 through 2015""). They're a non-trivial portion of the economy, and represent a large share of who will benefit from reducing corporate taxes. So when you say: >In general lowering taxes increases capital investment regardless of the investment rate  The counter point is that... no the investment rate matters. If spending those taxes produces a higher investment rate, you have to adjust policy accordingly. To know that you have to estimate the investment rate from a marginal reduction in taxes, and compare to the investment rate resulting form your marginal fiscal program spending increase. Saying that ""lowering taxes increases investment"" is insufficient, in the same sense that saying ""infrastructure spending increases investment"" is insufficient."


Because the standard contract is for 125,000 euros.  http://www.cmegroup.com/trading/fx/g10/euro-fx_contractSpecs_futures.html You don't want to use Microsoft as an analogy. You want to use non financial commodities. Most are settled in cash, no delivery. But in the early 80's, the Hunt brothers caused a spectacular short squeeze by taking delivery sending the spot price to $50. And some businesses naturally do this, buying metal, grain, etc. no reason you can't actually get the current price of $US/Euro if you need that much.


"For US punters, the Centre for Economic and Policy Research has a Housing Cost Calculator you can play with.  The BBC provides this one for the UK. For everyone else, there are a few rules of thumb (use with discretion and only as a ball-park guide): Your example of a Gross Rental Yield of 5% would have to be weighed up against local investment returns. Read Wikipedia's comprehensive ""Real-estate bubble"" article. Update: spotted that Fennec included this link at the NY Times which contains a Buy or Rent Calculator."


"I suspect that to ""make money"" it isn't enough to know the current value (""high currency""): to make money you'd need to know/guess/predict/bet on the future change in value: will the currency value go higher in the future? Or will it come down again? Or will it stay the same? Everybody knows the current value, so that by itself isn't enough knowledge to make money from. That said, if you know you're going to need American dollars in the future (if you have future expenses which need to be paid in American dollars), then now might be a good time to buy those dollars."


Tax deductions, credits, and special rates are done for two reasons: Encourage a behavior:  Try to lower taxes for the poor/disadvantaged and raise taxes for the rich. Every one of these programs is in essence a loophole that has been established to meet a goal. They are hard to eliminate because some people use them and don't want them to go away. Of course everybody want some program they don't use to be eliminated as long as the rates for everybody else are also lowered.


I am a man and I not in Silicon Valley but I work in a similar male oriented industry and there is truth to that. I have worked with women that get the reputation that they are not worth the risk. When a woman calls out what sometimes are/are not sexist remarks or makes it known that she will not tolerate any form of gender differentiation, they are branded as being difficult and redflagged and many will avoid working with her. Its innate. You have to fight against those stereotypes but sometimes women bring attention to issues that are not necessarily there.


Long-term capital gains, as you note, get special tax treatment.  They are lower than regular income tax rates.  Short-term capital gains aren't penalized, they are just treated as regular income under the regular rates.  So, from a tax perspective, the day-trader gets by the same way as the rest of us because they are paying the same rates on the same progressive income tax scale.


I use healthequity. It's just the one I was given, but they actually have really good fund options. There's a .396% yearly administration fee to access their low-cost funds, but the fund fees are really low (.02% for VIIIX, .03% for VBMPX)


"My gym has a habit of randomly increasing our monthly payment with a $20 ""Special Fee"" a couple times a year.   This charge was not initiated until after I signed up, and signed authorization for a set monthly fee. The agreement I signed included no wording of this fee, so I have not given them permission to charge me this fee. I also have received no type of notification of this fee prior to it being charged to my credit card on file.   This seems very illegal to me. Am I right? What course of action might I have to get this stopped?"


"First of all to answer the basic question ""Is one method correct? Might it depend on local laws?"" Yes it does depend on local laws. Because ultimately the business will have to file forms with the sate/county/city.  These forms are going to ask for the total sales based on the tax category (tax free, x%, y%). Each transaction could have parts that fall into each category. The local taxing authority decides what goes into each category. The local taxing authority also determines how often the business needs to submit the taxes. They can even decide to base the rates used by where the customer lives.  A business is not required to charge directly for sales tax. That is why frequently at sporting events, the price on the menu notes that all sales taxes are included. I suppose not directly charging a sales tax makes the monthly calculation harder, but the state will still get their money. Rounding up at the end of the entire transaction is enough to make sure they collect enough taxes, so they don't have to dip into their profits."


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I think you're jumping to the end.  No one knows at this point.  This situation needs investigated.  They'll either find evidence, or they won't.  The courts will proceed as appropriate.  This is why the Russia investigation is a good thing.  It will either clear everyone of wrongdoing (clearing the way for his agenda), or provide evidence for impeachment.  Both are good results.  My personal opinion is that there's likely something there (but that's just speculation as you rightly point out).  I DO think the investigation needs to be impartial.  No putting a thumb on the scale for partisan purposes.  It's good that Robert Meuller has a great reputation AND is a lifelong Republican.  We should get an honest result.


The bottom line is choosing the right partner. If your partner works as hard as you do, than everything should be split, irregardless of who makes more. Unfortunately, my bf, now by separated husband, borrowed money from me before we were married. I saw a lack of work ethic in him from the beginning, loved him anyway and married him but decided to keep my money separate as a result. This was a beginning with lack of trust and knowing I would be the higher earner, harder worker, and better provider. Down the road he won a lawsuit and got about $700k. I saw about $25k of this money to pay bills created with the intention of him paying them off when he got the money, and because he pilfered it away, we lost our house and it ended in my leaving.... I'm still doing ok because I work hard for what I have. He is struggling. We were never on the same page, never discussed finances because of his lack of work ethic and my mistrust of how he would decide how the money would be used. Sadly, who you decide to be your partner is the most important decision here...It should be based on mutual respect, both working hard to achieve a common goal, and communicating the budget every year, perhaps even each month.... I'm the terrible example.


From looking at HSBCs website, it looks like advanced customers are allowed free fund tranfers out of their checking/saving account. I would call the bank to guarantee that the transfers don't face a .5% fee for any outgoing transfer to another brokerage, as listed on this site. However, given that trades are as low as $6.88, I'm not sure she could save much by switching to another brokerage.


It can be a necessity if other routes are congested during a mandatory evacuation, if you consider saving lives a necessity.  Edit:  Even ignoring the right to life, the people own the airways.  I guess I would assume that in the agreement between the people (the FAA) and the private airlines, some requirements regarding emergency situations would be included.  No?


My guess would be for small merchants there could be a small difference. For large merchants, the cash is also at a cost equivalent to the card fees. Check for my other answer at  How do credit card companies make profit?


Re-read what I wrote.   > In fact, **lack of empathy is benefitial or neutral in the fields most likely to be automated**.  Spelling error aside, this is saying that those jobs that are more procedural are more likely to be replaced.  Empathy isn't a requirement.  Not having empathy is sometimes helpful even if there is human interaction.  Consider telemarketers or online support.  They were replaced since there was a script or common set of tasks to do the job, and sticking to the script even if you were hearing a sob story was useful for the organization. Low-level IT jobs like the one this person is working towards with his associates degree, for example.


The company can not collect interest on that money.  The bank that processes the company payroll will give the company lower fees to use the debit card because the bank will then be able to charge the employees fees for low balance, out of network atm, and overdraft.


"No, a jump in market capitalization does not equal the amount that has been invested.  Market cap is simply the stock price times the total number of shares. This represents a theoretical value of the company. I say ""theoretical"" because the company might not be able to be sold for that at all.  The quoted stock price is simply what the last buyer and seller of stock agreed upon for the price of their trade. They really only represent themselves; other investors may decide that the stock is worth more or less than that.  The stock price can move on very little volume. In this case, Amazon had released a very good earnings report after the bell yesterday, and the price jumped in after hours trading. The stock price is up, but that simply means that the few shares traded overnight sold for much higher than the closing price yesterday.  After the market opens today and many more shares are traded, we'll get a better idea what large numbers of investors feel about the price. But no matter what the price does, the change in market cap does not equal the amount of new money being invested in the company. Market cap is the price of the most recent trades extrapolated out across all the shares."


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"I invested in single family homes and made ok.  Houses can be an investment. (though the OP seems to equate ""house"" with primary residence)   Just like any other investment buying houses has risks.   I would not treat your primary residence or a vacation  home as an investment.  That is asking for trouble, but for many many years it was safe to assume that you would make a good return on it, and many people did.   If you evaluate the numbers for purchase price, rental market, etc and find that rentals or flipping is worth your exposure then by all means, do it.  But treating your primary residence as an investment apparently is what that comment means. Just like the stock market, many people have gotten wealthy on homes and there are lots of people who lost their shirts."


And to your point, the same thing that was said above applies - when younger people bounce often and end up being at inflated rates, they are more often the first to get cut when cost changes need to be applied. Seen it happen all the time in multiple companies. Sometimes it's okay to work up to a good position, than to get overpaid for being an underperformer.


It's one thing to have investments and own businesses. What's happening with Trump is not exactly that simple.   Maybe I'm mistaken but I can't think of a single instance of a sitting president owning a company that does direct business with the government. Please, correct me if I'm wrong.   How that could not be a complete conflict of interest (and very, very illegal) is beyond me.


As many have said consult a bankruptcy attorney and think of it this way:  Are you realistically going to be able to pay off said debt (less the student loans, you cant escape these in bk) in the next 7 years?  If not, strongly consider bankruptcy. It'll fuck your credit for 7 years, but if you're going to be pinching your pennies to barely cover interest for >7 years anyway, who cares. Further, you don't need more credit anyway, so who cares if you cant get it.  If you do plan on the bk route, be sure you're comfortable with your job prior to filing. It will obviously fuck your credit score and many employers check said score when hiring. Chances of switching jobs are diminished to some extent.  EDIT: On a second note, 11k in debt is not that much money. Take a second job.. Sell shit.. Sell drugs.. Sell a kidney. Do something. 11k is not hard to earn. But earn it now before exorbitant interest rates turn it to 22k, then 44k, etc..


"Monetary policy has always been in play. The Romans frequently debased (that is, increased the alloy/base metal ratio) their coinage and the U.S. went off the gold standard numerous times, especially during wars. Really the gold standard was only adhered to when it was convenient, so historically it did not play the role that Austrians wish it would. Basically just because gold was historically used as currency does not mean that it controlled the money supply. For example, most sovereign transactions were simply recorded by symbolic ""money things.""* And even if the gold standard did automatically protect the value of money, inflation is a hell of a lot better than deflation anyway. You want to reward people for putting their money to work, not sticking it in a mattress.  *For further information on the history of gold currency and money in general, see section 2 of this article from the LSE: http://www.sciencedirect.com/science/article/pii/S0176268098000159"


Have you considered a service that allows you to generate credit card numbers on the fly? DoNotTrackMe allows you to generate a CC number on the fly, for a specific amount.  If the vendor tries to charge more, it will fail.  If it gets stolen, it's useless. I don't know the specific fees off hand, but they have an annual fee for the feature.  Still, for the protection, doesn't seem like a bad way to go. Note: I have no affiliation with DNTM, I'm just a very happy user of their email protection products.  The Masked Cards faq is here.


You need an ITIN. Follow the instructions on the IRS page to apply. You might be better off getting an on-campus employment authorization and getting an SSN, though, as the ITIN process is not really convenient.


People who did it != what the requirements are. You're still shrieking and whining while still being wrong. The fact that few people take advantage of it doesn't mean it isn't possible. In fact, the fact that 17 people did it makes it demonstrably possible.   Also, starting a comment with 'Nope' then being provably wrong by a basic cursory google search is kinda the definition of being both condescending AND wrong.


Founder makes available 100% equity, but uses a reasonable amount of the proceeds to pay him/herself a salary (or wage) and from that salary invests in the same initial offering to acquire shares for him/herself.   I see several problems.   What is a reasonable salary?   Also, this leaves the door open to the following scam:  Founders say that they are going to follow this plan.  However, instead of buying shares, they simply quit after being paid the salary.  They use knowledge gained from this business to start a competitor.  Investors are left holding an empty company.   Tax consequences.  The founder would pay income tax on the salary.  By contrast, if the founder instead sells shares, that would be capital gains tax, which is lower in many countries (e.g. the United States).   Why would I want to invest in a business where the founders don't believe in it enough to take a significant equity stake?   Consider the Amazon.com example.  Jeff Bezos makes a minimal salary, around $80,000 a year, less than many of his employees.  But he has a substantial ownership position.  If the company doesn't make money, he won't.  Would investors really value the stocks with a P/E of 232.10 in 2016 if they didn't trust him to make the right long term decisions?   It's also worth noting that most initial public offerings (IPOs) are not made when the founder is the only employee.  A single employee company instead looks for private investors, often called angel investors.  Companies generally don't go public until they are established in some way, often making money.  Negotiating with angel investors is different from negotiating with the public.  They can personally review the books and once invested tend to have input on how the money is spent.   In other words, this is mostly solving the wrong problem if you talk about IPOs.  This might make more sense with a crowdfunded venture, as that replaces a few angel investors with many individuals.  But most crowdfunded ventures tend to approach things from the opposite direction.  Instead of looking for investors, they look for customers.  If they offer a useful product, they will get customers.  If not, they never get the money.   Beyond all this, if a founder is only going to get a fair salary some of the time, then why put in any sweat equity?  This works fine if the company looks valuable after a year.  What if it doesn't?  The founder is out a year of sweat equity and has nothing in return.  That happens now too, but the possibility of the big return offsets it.  You're taking out the big return.   I don't think that this is good for either founders or investors.  The founder trades a potentially good or even great return for a mediocre return.  The investors trade a situation where both they and the founder benefit from a successful company to one where they benefit a lot more than the founder.  That's not good for either side.


In the US, auditors are selected and fees are set by the Audit Committee of the BoD.  The Audit Committee is made up of independent directors, at least one of which is a financial expert.  Also, finding something fishy leads to extra billings much more often than it causes an auditor to lose a client.


My UPS guy said that Amazon and UPS are basically merged at this point.  Their major hubs work in the same buildings.  Sometimes Amazon doesn't even touch a product, it goes right into the UPS system.  So all amazon really needs to do is push inventory down to the existing local UPS centers which really only requires some more warehouse space at an existing site.  With some intelligent data mining Amazong could figure out which products to offer with same day shipping, which with 1-day, etc.


See what your current card requires for additional cards.  When my daughter turned 16, and I ordered a card for her, I realized the issuer didn't ask for her social security number, only a name and address.  That's when I also ordered a card with my pseudonym. Which I believe is what you're looking for.  I realize that you prefer no name at all, but any online site where you place an order will require you to fill in that name field .


Prior to 2005, the only SPY options that existed were the monthly ones that expire on the third Friday of every month.  But in 2005, the Chicago Board Options Exchange introduced SPY weekly options that expire every Friday (except that there is no weekly option that expires on the same day as a monthly option).  These weekly options only exist for 8 days - they start trading on a Thursday and expire 8 days later on Friday. The SPY options that expire on Friday October 31 are weekly options, and they started trading on Thursday October 23. Sources: Investopedia


"I would say that you should keep in mind one simple idea.  Leverage was the principal reason for the 2008 financial meltdown.  For a great explanation on this, I would HIGHLY recommend Michael Lewis' book, ""The Big Short,"" which does an excellent job in spelling out the case against being highly leveraged. As Dale M. pointed out, losses are greatly magnified by your degree of leverage. That being said, there's nothing wrong with being highly leveraged as a short-term strategy, and I want to emphasize the ""short-term"" part.  If, for instance, an opportunity arises where you aren't presently liquid enough to cover then you could use leverage to at least stay in the game until your cash situation improves enough to de-leverage the investment.  This can be a common strategy in equities, where you simply substitute the term ""leverage"" for the term ""margin"".  Margin positions can be scary, because a rapid downturn in the market can cause margin calls that you're unable to cover, and that's disastrous. Interestingly, it was the 2008 financial crisis which lead to the undoing of Bernie Madoff.  Many of his clients were highly leveraged in the markets, and when everything began to unravel, they turned to him to cash out what they thought they had with him to cover their margin calls, only to then discover there was no money.  Not being able to meet the redemptions of his clients forced Madoff to come clean about his scheme, and the rest is history. The banks themselves were over-leveraged, sometimes at a rate of 50-1, and any little hiccup in the payment stream from borrowers caused massive losses in the portfolios which were magnified by this leveraging.  This is why you should view leverage with great caution.  It is very, very tempting, but also fraught with extreme peril if you don't know what you're getting into or don't have the wherewithal to manage it if anything should go wrong. In real estate, I could use the leverage of my present cash reserves to buy a bigger property with the intent of de-leveraging once something else I have on the market sells.  But that's only a wise play if I am certain I can unwind the leveraged position reasonably soon. Seriously, know what you're doing before you try anything like this!  Too many people have been shipwrecked by not understanding the pitfalls of leverage, simply because they're too enamored by the profits they think they can make.  Be careful, my friend."


I gather that, while it is not illegal for a merchant to pass their payment card processing fees on to their customers directly in the form of a surcharge, doing so is a violation of their merchant agreements with the payment card processor (at least for Visa/MC). It's not - surcharging has been permissible since 2013, as a result of a class action lawsuit against Visa and MC. It's still prohibited by state law in 9 states.  If you're in one of those 9 states, you can contact your state Attorney General to report it. If you're not, you can check to see if the business is complying with the rules set forth by the card brands (which include signage at the point of sale, a separate line item for the surcharge on the receipt, a surcharge that doesn't exceed 4% of the transaction, etc.) and if they're in violation, contact the card company. However, some of those rules seem to matter to the card companies more than others, and it's entirely possible they won't do anything. In which case, there's nothing you can really do.


If you're an American, and willing to give up citizenship, good luck to you.  Otherwise, Uncle Sam still wants his due -- Americans are responsible for paying taxes on income earned anywhere on earth, regardless of their residence.


Rightly purchased bedroom furniture can give the personal touch to the bedroom but buying them should not be an expensive endeavor.  Well made, sturdy, good and tasteful furniture can significantly transform eth overall look of the atmosphere and the good news is that it can be bought at an affordable cost.


The industry has had more than adequate opportunity to do something like what MP is doing and yet they haven't. So I have no issue with MP swooping in to turn the industry upside down. The CEO also was involved in Netflix and RedBox so he knows what he's doing with disrupting the movie industry.  As for the user data part, see: https://www.reddit.com/r/business/comments/6v83bu/this_startup_will_let_you_go_to_the_movies/dlyurch/


Hate to burst your bubble OP, but the average banker has ZERO control over corporate's relationship with equifax. It's silly to suggest that demanding those answers from your bottom-of-the-corporate-ladder teller or financial advisor is going to warrant you any real answers. Source: am banker.


Your first scenario, involving shareholders in a private corp being limited by a contractual agreement, is common in practice. Frequent clauses include methods of valuing the shares if someone wants to sell, first right of refusal [you have to attempt to sell to the other shareholders, before you can sell to a 3rd party], and many others. These clauses are governed by contract law [ie: some clauses may be illegal in contract law, and therefore couldn't be applied here]. A Universal Shareholders' Agreement is just the same as the above, but applied to more people. You would never get an already public company to convert to a universal shareholders' agreement - because even 1 share voting 'no' would block it [due to corporate law limiting the power of a corporation from abusing minority shareholder value]. In practice, these agreements universally exist at the start of incorporation, or at least at the first moment shares become available. An example is the Canadian mega-construction company PCL*, which is employee-owned. When the original owner transferred the corporation to his employees, there was a USA in place which still today governs how the corporation operates.  In theory you could have a 'public company' where most shares are already owned by the founders, and 100% of remaining shares are owned by a specific group of individuals, in which case you may be able to get a USA signed. But it wouldn't really happen in practice.  *[Note that while PCL is broadly owned by a large group of employees, it is not a 'public company' because any random schmuck can't simply buy a share on the Toronto Stock Exchange. I assume most exchanges would prevent corporations from being listed if they had ownership restrictions like this].


Also people don't disable overdraft. Or after they get hit with the fee, they don't change their behavior.   Although that being said, I never balance my checkbook. But then again I never use debit cards and I usually only ever have 1 check outstanding at a time.


You add the wash sale loss to your cost basis for the other transaction so you would have two entries in your schedule d reporting 1.) Listing the $2000 loss as a wash 2.) The cost basis for your second transaction is thus $1000+$2000 = $3000 so when it was sold for $2000 you now have a reportable loss of $1000. For more information see here.... http://www.ehow.com/how_5313540_calculate-wash-sale.html


"I read this as ""Kobe Steals Falsified Data. Is another blow to Japan's reputation"".  My first thought was ""Damn. Dude isn't even in the league anymore and he's still getting Steals? That's better than anything Jordan ever did!"""


Will your family still be involved in any way? This can be disastrous - I've seen families torn apart by a business. If they are, be sure to establish boundaries and get every one to agree to bring in an outside mediator for any major disputes. And everybody, including you, must agree to abide by the mediator's decision. You don't want to gain a business and lose a family member/family.


You may want to look at services like https://transferwise.com/. For transferring money abroad they may be cheaper than you own bank. Here is a list of similar services: https://www.icomparefx.com/transferwise-competitors/. Which one is the cheapest depends on the amount of money you want to transfer. You would still need an account at a german bank or a trustworthy friend with a german account.


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Well they must be a real piece of Junk if the Israelis don't think its cost effective at killing unarmed Palestinians, especially taking into account, they are not going to pay anything and its mostly aid from the US tax payer.  The Russian PAK-FA or newly designated SU-47 on the other hand looks quite deadly.  Ah the Military complex's best boondoggle arrives at its eventual end


My first question to you is if you itemize?  If not the charitable contributions will not do any good.  Along these lines, donating unused items to Goodwill or similar can help boost your charitable giving.   The bottom line is that the 401K is one of the few real deductions high earners have.  If you anticipate earning similarly next year, you could both contribute the max.  You still have some time before the end of the year, can you get more in your wife's account? Does your state have income tax?  You might be able to deduct sales tax for larger purchases if you made any.  However, I would not justify a large purchase just to write off the sales tax.  Conventional wisdom will tell you that you should have a large mortgage in order to deduct the interests.  However, it does not make sense to pay the bank 10K so you can get 3K back from the government.  That seems pretty dumb. If you did not do additional withholding, you probably will have to pay a significant amount plus penalty if you owe more than $1000.  You still have time to make one more quarterly payment, so you may want to do so by January 15th. For next year I would recommend the following: The funny thing about giving is that it rarely helps the recipient, it does so much more for the giver.  It helps you build wealth. For myself I like to give to charities that have a bent to helping people out of poverty or homelessness.  We have two excellent ones here in Orlando, FL:  Orlando Rescue Mission and Christian Help.  Both have significant job training and budgeting programs.


Makes perfect sense here.  Australia is basically a nanny state that is constantly babying it's citizens and trying to protect them from such things as alcohol and tobacco. The best idea we've come up with is to tax these things at such a high rate that people have incentive to stop using them.  A few years ago we passed an incredibly heavy tax on mixed drinks (vodka and lemonade etc.) in an attempt to curb under-age drinking. It now costs around $65-$80 for a case of Vodka Cruisers. I wonder how much cheaper *those* are in Las Vegas.  Even more recently we passed a heavy tax on tobacco, raising the price of most packs around $3-$5.  And in addition to this we pay a tax (GST) of 10% on all purchases.


As Mhoran stated, no dependents, no need.  Even with dependants, insurance is to cover  those who would otherwise have a hardship. Once the kids are off to college and house paid for, the need drops dramatically.  There are some rather complex uses for insurance when estates are large but potentially illiquid. Clearly this doesn't apply to you.


Are you considering using it?  Is that the point of the post?  If that's the case, I would say it's always a good idea to fully leverage your assets for investment.  I recommend leveraging everything you can to maximize your profits.  If you own a house, car, or anything else of value, you should use it as collateral.  Then, typically any stock trading for $0.01 is a good investment - they almost never go to $0 and all it takes is a movement of $0.01 to double your money.  Roulette also has similar payouts, but remember to always bet on red, never black.  Good luck - send pictures of your mansion soon!


When researchers analyze welfare participation and costs, their dataset of choice has traditionally been the Annual Social and Economic Supplement (ASEC) of the Current Population Survey. While the ASEC is certainly useful — CIS uses it frequently — it substantially undercounts welfare participation. For that reason, CIS turned to the Survey of Income and Program Participation (SIPP), a more complex dataset developed by the Census Bureau specifically to analyze welfare use. CIS's analysis of the SIPP has now generated two major studies. The first study, published in September 2015, measured welfare participation rates. It showed that 51 percent of immigrant-headed households used some form of welfare, compared to 30 percent of native households.17 This second study extends the SIPP analysis by moving from rates to costs. It finds that immigrant-headed households consume an average of $6,234 in welfare spending, compared to $4,431 for native households. The highest-cost immigrant households tend to be those headed by a person from Latin America, while the lowest-cost households are headed by people from Europe and Asia.  https://cis.org/Report/Cost-Welfare-Use-Immigrant-and-Native-Households


"Edited: Pub 550 says 30 days before or after so the example is ok - but still a gain by average share basis.  On sale your basis is likely defaulted to ""average price"" (in the example 9.67 so there was a gain selling at 10), but can be named shares at your election to your brokerage,  and supported by record keeping. A Pub 550 wash might be buy 2000 @ 10 with basis 20000, sell 1000 @9 (nominally a loss of 1000 for now and remaining basis 10000), buy 1000 @ 8 within 30 days.   Because of the wash sale rule the basis is 10000+8000 paid + 1000 disallowed loss from wash sale with a final position of 2000 shares at 19000 basis.  I think I have the link at the example:  http://www.irs.gov/publications/p550/ch04.html#en_US_2014_publink100010601"


Mr. Swatch Nicholas Hayek first stated around 2004 that he wanted to reduce supplying movement kits (ebauches) and hair-springs to other brands for the betterment of the Swiss watch industry.  Of course there is competitive reasons for not supplying your direct competitors with the most essential parts of their product.  Hayek, despite being ridiculously successful and wealthy, was one of the better men in Swiss industry.  He is missed.  His son (who's running things) on the other hand is a bit of an ass.    I wish I had some references I could supply, but it's buried in a wall of paper watch magazines.


"Why rent money?  ""Ooh... new shiny. Must have!"" - lol  Seriously, Governements that control the presses can harness an almost magical property of money ""trust"". You and I believe wages have a set value per hour worked. This isn't always so."


Part of the magic of the Traditional Pretax IRA is that money that goes in saves you your marginal rate, say 25%. It will grow tax deferred for the decades till retirement, and when withdrawn, you have the Standard Deduction, Exemptions, and lower brackets to fill. So it's withdrawn at your average retirement rate, which for a single this year, $4991 is the tax on $46250, just under 11%. (the $46250 adds the top of the 15% bracket ($36,250) the STD deduction ($6100) and Exemption ($3900)).  I recommend Roth if at 15% or lower, and move to pretax for 25% money. This is the simplest approach to describe.


Easiest way to set one up is if you worked at an IB or have connections to one, who can put you through to the prime brokerage/prime finance group within the firm. They can help you with infrastructure, funding, etc while taking a cut of the profits. You still need to convince people to put money in your fund though.


What's the relative contribution? extra ~50B in demand is interesting but versus 30T total value for US residential we'd need to know how non-foreign demand compares. That extra growth is just 0.17% of total value. Not a big piece particularly.


Family of immigrants here. Working hard and earning it has absolutely nothing to do with it. That kind of comment absolutely denotes the complete ignorance most people have of the process. The factors that matter, like where you were born and luck have nothing to do with the applicant. The thing you have to do are 1) be patient (sometimes to the tune of 20 years) and 2) be able to follow an arcane process to the letter.


If you mess with the interest deduction, you take away one of the main reason for home ownership.  So without the deduction we will become a nation of renters.  This will only hurt communities because renters have less at stake when it comes to community prosperity.


It is true. It can be said about virtually anyone who does bad things. Especially by the people who know them. He is def not the victim in the way you are suggesting I am saying.   Life ain't black and white, kid.  What's your point?


"Not having seen the movie, I don't know what you mean by ""fraudulent options buys."" But there are two possibilities: 1) Someone placed buy orders on the account without authorization. In which case it comes down to a protracted lawsuit to determine whether the broker exercised due diligence, or whether Bruce foolishly gave someone his password. 2) The options themselves were fraudulent. In which case the OCC is responsible for making everyone whole."


profit has nothing to do with the level of interest rates. Is this correct? In theory, yes. The difference that you're getting at is called net interest margin. As long as this stays constant, so does the bank's profit. According to this article: As long as the interest rate charged on loans doesn't decline faster than the interest rate received on deposit accounts, banks can continue to operate normally or even reduce their bad loan exposure by offering lower lending rates to already-proven borrowers. So banks may be able to acquire the same net interest margin with lower risk. However the article also mentions new research from a federal agency: Their findings show that net interest margins (NIMs) get worse during low-rate environments, defined as any time when a country's three-month sovereign bond yield is less than 1.25%. So in theory banks should remain profitable when interest rates are low, but this may not actually be the case.


It would seem that you are in a position where you are able to save money and you hope to have your money work for you. From your statement above, it is implied that you are a professional with a steady income not related to the finance field. With that said, it is better to diversify your portfolio and have your money work for you through passive investments rather than an active one, where you actively search for companies that are below market price. That research takes time and much more experience in order to properly execute.  Now, if your overall goal is to trade actively, then maybe researching individual companies might be the best way to get your feet wet. But, if your goal is to create a diversified portfolio and make your money work for you, then passive is the way to go.  Two passive financial Vehicles:  Mutual funds and ETFs. Depending on what you are hoping to accomplish in the future, an ETF or a mutual fund will likely suite your situation. I would encourage you to do your due diligence and find out the weakness and strength of each. From there you are able to make an informed decision.


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Same thing as for any debt: bank sues you, you lose, you are in an even deeper hole because you now owe them for the cost of the court case, your credit rating goes into the toilet, you may even have trouble retaining/finding a job. Being stupid is always more expensive.


In the stock market many participants enter orders that are not necessarily set at the current market price of the stock (i.e. they are not market orders, they are limit orders). They can be lower than the market price (if they want to buy) or they can be higher than the market price (if they want to sell). The set of orders at each point of time for a security is called the order book. The lowest selling price of the order book is the offer or ask, the higher buying price is the bid. The more liquid is a security, the more orders will be in the order book, and the narrower will be the bid-ask spread. The depth of the order book is the number of units that the order book can absorb in any direction (buy or sell). As an example: imagine I want to buy 100 units at the lowest offer, but the size of the lowest offer is only 50 units, and there is not any further order, that means the stock has little depth.


"If you're going into a field that is both in demand and pays well, then yes, it's worth going into debt for college.  That said, it's also usually worth *minimizing* how much debt you take on.  Unless you're going into a field where ""Harvard"" is all but a requirement to get your foot in the door, there's virtually no difference between *that* and your local state university, 99% of the time.  If, however, you have no idea what you want to do and are going to college just because everyone says you should - Then no, you *shouldn't*, unless someone else is paying for it (and even then, don't arbitrarily put your parents in the poorhouse just because they'll sign on the bottom line)."


"I think the ""right"" way to approach this is for your personal books and your business's books to be completely separate. You would need to really think of them as separate things, such that rather than being disappointed that there's no ""cross transactions"" between files, you think of it as ""In my personal account I invested in a new business like any other investment"" with a transfer from your personal account to a Stock or other investment account in your company, and ""This business received some additional capital"" which one handles with a transfer (probably from Equity) to its checking account or the like. Yes, you don't get the built-in checks that you entered the same dollar amount in each, but (1) you need to reconcile your books against reality anyway occasionally, so errors should get caught, and (2) the transactions really are separate things from each entity's perspective. The main way to ""hack it"" would be to have separate top-level placeholder accounts for the business's Equity, Income, Expenses, and Assets/Liabilities. That is, your top-level accounts would be ""Personal Equity"", ""Business Equity"", ""Personal Income"", ""Business Income"", and so on. You can combine Assets and Liabilities within a single top-level account if you want, which may help you with that ""outlook of my business value"" you're looking for. (In fact, in my personal books, I have in the ""Current Assets"" account both normal things like my Checking account, but also my credit cards, because once I spend the money on my credit card I want to think of the money as being gone, since it is. Obviously this isn't ""standard accounting"" in any way, but it works well for what I use it for.) You could also just have within each ""normal"" top-level placeholder account, a placeholder account for both ""Personal"" and ""My Business"", to at least have a consistent structure. Depending on how your business is getting taxed in your jurisdiction, this may even be closer to how your taxing authorities treat things (if, for instance, the business income all goes on your personal tax return, but on a separate form). Regardless of how you set up the accounts, you can then create reports and filter them to include just that set of business accounts. I can see how just looking at the account list and transaction registers can be useful for many things, but the reporting does let you look at everything you need and handles much better when you want to look through a filter to just part of your financial picture. Once you set up the reporting (and you can report on lists of account balances, as well as transaction lists, and lots of other things), you can save them as Custom Reports, and then open them up whenever you want. You can even just leave a report tab (or several) open, and switch to it (refreshing it if needed) just like you might switch to the main Account List tab. I suspect once you got it set up and tried it for a while you'd find it quite satisfactory."


"Share value is not always an indication of true value. Citi was proactive in trying to find bidders for their business segments which posed the most risk to their traditional banking business.   They have expanded into many emerging markets during Pandit and ""slimmed down"" their operations. They also just got rid of Smith Barney... which I think is a great move. I think Citi has a brighter future than say, BoA."


"It's actually the other way around.  Distributions in an LLC are usually based on  each member's equity share, although the operating agreement can specify how often such distributions are made.  Shareholders in a corporation can receive dividends, but those are determined by the corporation's board and can vary depending on the class of stock each shareholder owns.  Preferred-class shareholders, who may hold a smaller overall fraction of the company's outstanding shares than the common stock shareholders, may receive disproportionately larger dividends per share than common stock shareholders, which is one of the (many) reasons that preferred stock is a better choice when it is available.  Take, for instance, what Berkshire Class ""A"" shareholders receive in dividends per year compared to Class ""B"" shareholders. Here's a good link from LegalZoom that can explain what you're asking about: Explanation of LLC distributions I hope this helps. Good luck!"


I know this will be unpopular but he probably 'earnt' this bonus over previous years. Nearly all long term incentive plans are deferred by three years. He probably stepped away from the business on the condition that he was paid the remainder of his LTI. I may be wrong but it looks like this is the case.


"I don't think you should mix the two notions.  Not starting out with at least.  It takes so much money, time and expertise to invest for income that, starting out at least, you should view it as a goal, not a starting point. Save your money in the lowest cost investments you can find.  If you are like me, you can't pick a stock from a bond, so put your money into a target retirement fund.  Let the experts manage the risk and portfolio.  Start early and save often!  At only 35 you have lots of time. Perhaps you are really into finance, in which case you might somebody manage your own portfolio.  Great, but for now, let an expert do the heavy lifting. You are an app developer.  Your best bet to increase your income stream with via your knowledge and expertise.  While you are still so young, you should use labor to make money, and then save that money for retirement.  I am going to make an assumption that where you are will software development means you can become a great developer long before you can become a great financier.  Play to your strengths. I am also afraid you are over estimating how comfortable you are with risk.  Any ""investment"" that has the kinds of returns you are looking for is going to be wildly risky.  I would say those types of opportunities are more ""speculation"" rather than ""investments.""  There isn't necessarily anything wrong with speculations, but know the difference in risk.  Are you really willing to gamble your retirement?"


Depends on where we are in the credit cycle. When banks are scared like in 07 to 11, good luck.  Now (13), they'll probably start begging you.  There are more regulations that prevent it now, but they'll probably be eased as they usually are during good times. If the banks won't help you, private investors might.  Just find your local mortgage investor club.


For most people, investing in the stock market directly is one of the last things to do.  That's not to say you shouldn't, but rather that there are other things to consider as well. Start with automatic monthly deposits to a liquid account such as savings or money market. The morale boost you get from seeing the balance grow is nearly impossible to beat. Following that, paying down any debts such as student loans or credit cards. Once you've done that, then you should look at company sponsored 401k plans or IRAs. Sharebuilder offers IRAs holding whichever stock or fund you pick. Again, automatic monthly deposits are the way to go here. Good luck, and happy investing :)


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"Assuming the numbers you gave are forecasted 2013 annual income, you should really use an average and give the lender 1 number, as long as you can provide documentation to back it up. Lenders aren't as sophisticated as considering your monthly income fluctuations into their underwriting algorithm.  If you're not tied down to your existing lender, I highly recommend you to shop around. There isn't an ""universal lending requirement"". You'll be surprised at how flexible they are. Not as a recommendation to get around the rules, but just finding a lender that'll work with your situation. Try personal finance forums such as FatWallet or Slickdeal to find low-cost lenders: http://goo.gl/vIojT"


You can trade an index by using a Contract For Difference, or CFD. Various brokers offer this method and the spreads are quite low. They tend to widen outside of market hours, and not all brokers offer the same spreads. I would look for a broker that offers the lowest spread on the index you are interested in. You should also do your due diligence and check they are regulated by the relevant authority  pertaining to their territory, eg FSA for uk


My home town an uber driver was picking up passengers while on a shooting rampage. All those things can easily be set up in an app. And I still would like the choice to pay with cash. This has been done for many years.    https://arcade.city/ looks like an alternative.


I can go on a rant about how much I know, try to shamelessly prove to you how smart I am by throwing out a bunch of shit that I've learned, but none of that means anything. Of course I know how to approach it from a business perspective. Legally, I have friends who can advise me in my immediate area. But experience, wisdom, people who have been in similar positions with some sage advice, isn't something you can learn in an MBA classroom. I don't think there's anything wrong with using Reddit, as a resource, to gain some further insights. Regardless, I appreciate you and your time.


Elaborating on kelsham's answer: You buy 100 shares XYZ at $1, for a total cost of $100 plus commissions. You sell 100 shares XYZ at $2, for a total income of $200 minus commissions. Exclusive of commissions, your capital gain is $100 for this trade, and you will pay taxes on that.  Even if you proceed to buy 200 shares XYZ at $1, reinvesting all your income from the sale, you still owe taxes on that $100 gain.  The IRS has met this trick before.


That article was terribly generic and ripe with grammatical errors. A quick Google search yields dozens of much more informative articles. Furthermore, this topic has a fringe relation to finance, and would be a better post in a small business, entrepreneur, or accounting subreddit.


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My motivation was to see what other people thought. I know I have my own bias so I would rather see what other people thought.   One of the points I took from Ferguson was that money not being used is less valuable than money being used. In that sense a bank creates real value in an economy by allocating money to people who need it at a specific moment from those who do not need it at that moment.  I see so many threads and comments on reddit about how banks are purely evil institutions that have no benefit to society so I guess I just hoped to see some insight from the finance community, but also to see a discussion about banking from people with opposing opinions.  Thanks!


"If you buy a call, that's because you expect that the stock will go up. If it does not go up, then forget about buying more calls as your initial idea seems to be wrong. And I don't think that buying a put to make up for the loss will work either, the only thing that is sure is that you will pay another premium (on a stock that could stay where it is). Even if you are 100% sure that the stock will go up again, don't do anything, as John Maynard Keynes stated: ""Markets can remain irrational longer than you can remain solvent"". My idea is: wait until the expiration date. The good things about options is that you won't lose more than the premium that you paid for it and that until it reaches its maturity you can still make money if the market turns around. More generally, when you are purely speculating, adding to a position when it goes against you is called ""averaging down"". I sincerely discourage you to do that : If the stocks goes in the wrong direction, that means that your   initial idea was wrong in the first place (or you were not right at   the right moment). In my opinion, adding up to a wrong idea is not the   right thing to do. When you are losing, just take your loss and don't   add up to your position based on your emotions. On the other hand, adding to your position more when the stock goes in   your direction is called ""pyramiding"" and is, in my opinion, a better   way of doing things (you bought, you were right, let's buy more). But   at some point you will have to take your profits. There are plenty of other stocks on which you can try to invest and the market will still be here tomorrow, there will be other opportunities to make profits. Rushing things by constantly trying to have a position is not a good idea. Not doing anything is also a strategy."


"The comments are getting too much, but to verify that you are not insane, you are being bullied.  It sounds like this is a sub-prime loan, of which you are wisely trying to get out of.  It also sounds like they are doing everything in their power to prevent you from doing so.  For them you are a very profitable customer. This might take some legwork for you, but depending on how bad they are violating the law they might be willing to forgive the loan.  What I am trying to say, it might be very worth your while! Your first step will be looking for any free resources at your disposal: Just be cautious as many ""credit representation"" type business are only offering loan consolidation.  That is not what you need. Fight those bastards!"


you understand inflation is necessary for growth? inflation is an increase in the money supply. the fed has a policy of inflation targeting. they say okay we are fine with 2% inflation lets keep it at that level. and their policies aim to keep inflation at that level.


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There've certainly been lots of problems with unions, but no greater than with the businesses or agencies they bargain with.    There is constant push in both directions; getting rid of them will just allow companies to run roughshod over workers like they did before, and since legislation is as much a commodity as anything else these days, they'll just stretch or change laws that impede them if they're not stopped.     They're not obsolete, because the need never goes away, because one employer or another is always looking for ways to exploit & endanger his employees to improve his margins.   No, not all employers will do this; but not all unions are or ever were bad, either, and unlike unions, companies actually get a short-term competitive advantage from squeezing their staffs, which means bad actors have a significant chance of crowding out good ones.  In the long-term, balance between labor & capital benefits everyone; imbalance looks good in the short term, but eventually blows up.   Both sides will always seek advantage- it's their nature- so both sides need strong counterbalance.    Labor was strong for a fleeting while, but now the pendulum swings back.


"There are a lot of good answers, but I will share my experience.  First, a savings account needs to be for savings. If your in the US you have ""Regulation D"" to deal with and that will bite you on the rear if you go over those limits. Specially easy to do if your purchasing from a savings account.  Next having an ""Income"" account and a ""Spending"" account can be a very good tool to build a nest egg. So for example you get $1500 into your income account and then move $1000 to your spending account then budget based on that $1000. This is an amazing thing to do, so long as you have the discipline to never transfer that extra $500, and pretend your broke when you run out of the $1000.  That being said there is no reason that you can't do that in one account. It's all preference. My wife and I use YNAB (an envelope budgeting system) to do just that. We don't need the separate accounts. We are no more likely to ""not spend"" in one account then we are to ""not spend"" in two accounts. It's all just self discipline and what you need to do.  This does lead to the situation we call YNAB broke. It's when we have to start choosing between  ""going hungry"" or getting that new DVD, even though our bank account has $5,000 in it.  It's even harder when you choose ""go hungry"" and have to follow through with it, even though you have enough to buy a used car in your bank account.  But rather it's ""YNAB broke"" or your spending account is empty and your income account it full, the result is the same. It's up to ""you"" to have the self discipline not to spend. Rather that's in one account or two makes little difference."


The patent system is so archaic and broken that if it isn't completely overhauled soon, it's going to self destruct and take a generation of potential research and development down with it. It's a shame that no one in Washington seems to understand and/or care.


If they consider the midwest, I'd hope for Detroit or Ann Arbor.  Both are right next to Detroit Metro & I believe Amazon already has a presence here.  You could pick up a good chunk of land for not much money in the Detroit city limits, and Ann Arbor has the UofM talent pool.  There's also a bit of a minor tech boom going on down in Detroit.


I don't think most people know how rule making works.  I think they get confused about the political cycle and how laws are passed.  They want someone to blame.  It's easier to just think of the President as a king or dictator and pretend it's all his fault.  Especially when he looks different then you.


"Not necessarily. I was visiting my parents in Auburn, CA and needed an AV cable and saw a ""Sears"" store in this little podunk strip mall. It was the most pathetic excuse for a store I've ever seen. Worse than a dollar store, except they sold washer and dryers."


"This might be a good idea, depending on your personality and inclinations. Key points: How close is the building to you? Do not buy any building that is more than 20 minutes travel from where you are. Do you have any real hard experience with doing construction, building maintenance and repair? Do you have tools? Example: do you have a reciprocating saw? do you know what a reciprocating saw is? If your answer to both those questions is ""no"", think twice about acquiring a property that involves renovation. Renovation costs can be crushing, especially for someone who is not an experienced carpenter and electrician. Take your estimates of costs and quadruple them. Can you still afford it? Do you want to be a landlord? Being a landlord is a job. You will be called in the middle of the night by tenants who want their toilet to get fixed and stuff like that. Is that what you want to spend your time doing, driving 20 minutes to change lightbulbs and fix toilets?"


Slavery is a bad example considering everyone benefited from it. Cheap labor lowers the cost of living and improves living conditions for the majority.   I'm curious. What do you think about this angle? Let's say businesses like Romney's didn't exist. What happens when a family run business starts failing? Not because of market forces but because of poor management and lack of knowledge/ability? They would simply vanish along with all of the jobs that business provided. The debt would remain and burden the owners. Instead, jobs have the possibility to be saved, and the owner(s) can resolve debts and/or make money from the sale.


Sounds questionable to me. If there is no way around this I would suggest opening a new account with only the minimum balance necessary and sending them the debit card associated with that account. If anything goes wrong then the amount of damage they can do will be limited. I would definitely be looking for other options though. Maybe they can just mail you a check or something?


Well, if one share cost $100 and the company needs to raise $10000, then the company will issue 100 shares for that price.  Right? However, say there's 100 shares out there now, then each share holder owns 1/100th of the company. Now the company will remain the same, but it's shared between 200 shareholders after the issuing of new shares.  That means each share holder now owns 1/200th of the company.  And hence only gets 1/200th of their earnings etc.