the pots will be negligible, however this capital could be used better elsewhere if I was to withdraw them. You won't be able to withdraw the money. Notwithstanding the recent 'pension freedom' changes, money put into a pension is still inaccessible until age 55 at the very earliest, and probably later by the time you get there. You should have been Advised of this every time you enrolled into a scheme, although it may well have been buried in something you were given to read. The best you can do (and what I would recommend, although of course this post isn't Advice) is to transfer the pensions to a personal pension, for example a SIPP, wherein you will be able to control where the money is invested. Most SIPP providers will gladly help you with such transfers. Would it be beneficial to keep these smaller pots with their respected schemes The reason I suggest transferring is that leaving the funds in workplace schemes that are no longer being contributed to is a surefire way of finding yourself invested in poorly-performing neglected funds, earning money for no one beyond the scheme provider.


"common sentiment that no investor can consistently beat the market on returns.  I guess its more like very few investor can beat the market, a vast Majority cannot / do not. What evidence exists for or against this? Obviously we can have a comparison of all investors. If we start taking a look at some of the Actively Managed Funds. Given that Fund Managers are experts compared to common individual investors, if we compare this, we can potentially extend it more generically to others. Most funds beat the markets for few years, as you keep increasing the timeline, i.e. try seeing 10 year 15 year 20 year return; this is easy the data is available, you would realize that no fund consistently beat the index. Few years quite good, few years quite bad. On Average most funds were below market returns especially if one compares on longer terms or 10 - 20 years. Hence the perception Of course we all know Warren Buffet has beat the market by leaps and bounds. After the initial success, people like Warren Buffet develop the power of ""Self Fulfilling Prophecy"". There would be many other individuals."


"Simple answer YES you can, there are loads here are some links : world first , Baydon Hill , IPF Just googling ""foreign currency mortgage"", ""international mortgage"", or ""overseas mortgage"" gets you loads of starting points.  I believe its an established and well used process, and they would be ""classified"" as a ""normal"" mortgage. The process even has its own wiki page Incidentally I considered doing it myself. I looked into it briefly, but the cost of fee's seemed to outweigh the possible future benefits of lower interest rates and currency fluctuations."


The sentence you quoted does not apply in the case where you sell the stock at a loss. In that case, you recognize zero ordinary income, and a capital loss (opposite of a gain) for the loss. Reference: http://efs.fidelity.com/support/sps/article/article2.html


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There is nothing conceptually wrong with it.  If you like it that way, go ahead. The only thing to watch out for is bank policies that effectively penalize having many small accounts.  For instance, some banks charge you a fee for checking accounts with a balance below a certain minimum, but will waive the fees for accounts with a higher balance.  You may be able to avoid such fees by judicious management of your funds (or by switching to a different bank), but it's something to be aware of.  (The interest rates on savings accounts also often vary with the balance, making many small balances less efficient than one big balance.  However, right now, at least in the US, interest rates on savings accounts are so low that the difference here is likely to be minimal.)


3) Isn't strictly true, as off market swaps do trade quite regularly. For example, if the company has a bad credit rating, an off market swap is often executed to cover the credit costs (and essentially the cost of the bank's capital Under BASEL III.) Hence a bank shouldn't trade at mid.


I must live in an alternate reality.  All the popular kids at my old high school (pop. approx. 2k) are hating life right now and a huge population of the less popular are doing stellar.  It's one of the great things about Facebook.  The revenge of reality.


"That would not count as income since you would essentially be transferring money ""between accounts"", though I believe that would also be against your credit card provider and/or Square's Terms of Service. Edit: As has been mentioned, Square may report this to the IRS as income for you, however more importantly: This is 100% against Square's ToS: User Agreement which you are required to accept in creating an account Restricted Use ... You also may not use the Services to process cash advances. You may not use the invoices feature of the Services to send invoices to yourself or in any other manner for which the invoices feature is not intended. Commercial Entity Agreement At Visa/Mastercard's discression, you may be required to agree to this as well for the acceptance of card payments that are “Commercial Entities” as defined by Visa, Inc. and MasterCard International, Inc. (collectively, the “Card Brands”) (aka if you use it to accept Visa or MasterCard). Relevant portion: Cash Advances. Seller shall not disburse or advance any cash to a Customer (except as > authorized by the Card Brand Rules) or to itself or any of its representatives, agents, or employees in connection with a Transaction, nor shall Seller accept payment for effecting credits or issuing refunds to a Customer. This is a form of what is known as Credit card kiting"


"You don't even need to wear special or sexy cloths. Just be ""nice"" to the right people, and, especially with women, it will work wonders.  P/S: I would also add that you don't even need to be very good at your work if you are being ""nice"". Just be reasonable and average with the quality of your work."


In the long term, a P/E of 15-25 is the more 'normal' range. With a 90 P/E, Facebook has to quadruple its earnings to get to normal. It this possible? Yes. Likely? I don't know.  I am not a stock analyst, but I love numbers and try to get to logical conclusions. I've seen data that worldwide advertising is about $400B, and US about $100B. If Facebook's profit runs 25% or so and I want a P/E of 20, it needs profit of $5B on sales of $20B (to reconcile its current $100B market cap). No matter what FB growth in sales is, the advertising spent worldwide will not rise or fall by much more than the economy. So with a focus on ads, they would need about 5% of the world market to grow into a comfortable P/E.  Flipping this around, if all advertising were 25% profit (a crazy assumption), there are $100B in profit to be had world wide each year, and the value of the companies might total $2T in aggregate.    The above is a rambling sharing of the reasonable bounds one might expect in analyzing a stock. It can be used for any otherwise finite market, such as soft drinks. There are only so many people on the planet, and in aggregate, the total soft drink consumption can't exceed, say 6 billion gallons per day. The pie may grow a bit, but it's considered fixed as an order of magnitude.   Edit - for what it's worth, as of 8/3/12, the price has dropped significantly, currently $20, and the P/E is showing as 70X. I'm not making any predictions, but the stock needs a combined higher earnings or lower valuation to still approach 'normal.'


When the inflation rate increases, this tends to push up interest rates because of supply and demand: If the interest rate is less than the inflation rate, then putting your money in the bank means that you are losing value every day that it is there. So there's an incentive to withdraw your money and spend it now. If, say, I'm planning to buy a car, and my savings are declining in real value, then if I buy a car today I can get a better car than if I wait until tomorrow. When interest rates are high compared to inflation, the reverse is true. My savings are increasing in value, so the longer I leave my money in the bank the more it's worth. If I wait until tomorrow to buy a car I can get a better car than I would be able to buy today. Also, people find alternative places to keep their savings. If a savings account will result in me losing value every day my money is there, then maybe I'll put the money in the stock market or buy gold or whatever. So for the banks to continue to get enough money to make loans, they have to increase the interest rates they pay to lure customers back to the bank. There is no reason per se for rising interest rates to consumers to directly cause an increase in the inflation rate. Inflation is caused by the money supply growing faster than the amount of goods and services produced. Interest rates are a cost. If interest rates go up, people will borrow less money and spend it on other things, but that has no direct effect on the total money supply. Except ... you may note I put a bunch of qualifiers in that paragraph. In the United States, the Federal Reserve loans money to banks. It creates this money out of thin air. So when the interest that the Federal Reserve charges to the banks is low, the banks will borrow more from the Feds. As this money is created on the spot, this adds to the money supply, and thus contributes to inflation. So if interest rates to consumers are low, this encourages people to borrow more money from the banks, which encourages the banks to borrow more from the Feds, which increases the money supply, which increases inflation. I don't know much about how it works in other countries, but I think it's similar in most nations.


"Not sure why this hasn't received any answers yet... the link to the investopedia page you posted explains it pretty well, however when you hear about a golden cross in the media, it is most likely a reference to the 50-day SMA crossing above the 200-day SMA.  In general, a golden cross consists of a short term MA that was previously below a long term MA crossing above that LT MA, however the most common reference will imply a 50/200 day cross because this is considered as a stronger signal (compared to shorter MAs). With that said, it's important to realize that the golden cross is just one of many technical analysis ""signals"", and the entire field of technical analysis is considered controversial, to say the least.  Many studies, such as those examined in A Random Walk Down Wall Street, have found that after transactions costs are considered (e.g., the commissions you pay to your broker on every trade), ""charting"" is a losing proposition in the end."


It's not something for nothing. Tiger woods made billion dollars. He gave half to his wife. 500m sitting making money in investments. His only skill is swinging a stick at a ball and hitting it exactly where it needs to be. Now he is making 50m a year off his investments. Not sure if you noticed, America has a 600b deficit. That taxation creates federal jobs. And jobs employed by payments of the federal government. Good hard working people.


Since you already have established a set of expenses, most importantly your rent. Blair Hodgson DuQuesnay said, “You don’t want to spend more than one-third of your take-home pay on your housing, whether that’s rent or a mortgage. With almost everything else, you can work from there.” She also recommends that your static bills — housing, utilities, and other fixed expenses that recur monthly — don’t take up more than 50% of your budget. If you can keep them even lower than 50%, like, say 40% or 35%, you’ll have even more spending money for everything from food to clothing to savings. So basically, it is time to start to be worried if you are exceeding half of your budget on your expenses. Forbes has an excellent article on how new grads can plan to budget their money.


"Personally, I think you are approaching this from the wrong angle.  You're somewhat correct in assuming that what you're reading is usually some kind of marketing material.  Systematic Investment Plan (SIP) is not a universal piece of jargon in the financial world.  Dollar cost averaging is a pretty universal piece of jargon in the financial world and is a common topic taught in finance classes in the US. On average, verified by many studies, individuals will generate better investment returns when they proactively avoid timing the market or attempting to pick specific winners.  Say you decide to invest in a mutual fund, dollar cost averaging means you invest the same dollar amount in consistent intervals rather than buying a number of shares or buying sporadically when you feel the market is low. As an example I'll compare investing $50 per week on Wednesdays, versus 1 share per week on Wednesdays, or the full $850 on the first Wednesday.   I'll use the Vanguard Large cap fund as an example (VLCAX).  I realize this is not really an apples to apples comparison as the invested amounts are different, I just wanted to show how your rate of return can change depending on how your money goes in to the market even if the difference is subtle.  By investing a common dollar amount rather than a common share amount you ultimately maintain a lower average share price while the share price climbs.  It also keeps your investment easy to budget. Vanguard published an excellent paper discussing dollar cost averaging versus lump sum investing which concluded that you should invest as soon as you have funds, rather than parsing out a lump sum in to smaller periodic investments, which is illustrated in the third column above; and obviously worked out well as the market has been increasing. Ultimately, all of these companies are vying to customers so they all have marketing teams trying to figure out how to make their services sound interesting and unique.  If they all called dollar cost averaging, ""dollar cost averaging"" none of them would appear to be unique.  So they devise neat acronyms but it's all pretty much the same idea.  Trickle your money in to your investments as the money becomes available to you."


The management expense ratio (MER) is the management fee, plus all of the other costs required to run the fund, excluding any trading costs. Here's a pretty good explanation.


Im not gonna get into the rabit hole about the direction of this country dont have nearly enough time for that lol but i acrually agree with u on alot of what u said actually.     >I have an issue with people using any drug everyday. But most people don't drink and get drunk daily.    Do u find issue with a person having a beer or a couple glasses of wine every other day? Same applies to mj most users arent getting completely blasted everyday and i have sources to prove it if youre interested.   >But to reply to what you said, things like alcohol have rules. You can't drink everywhere, you can't drink and drive, etc... There needs to be some rules for MJ.  Not trying to be rude but you havent even  done your research on mj laws in your own state. Prop 64 is almost identical to drinking laws so you're absolutely incorrect here   >I'm completely okay with medicinal use, but most people don't use it in that way.   Youre right but my point was alcohol is perfectly legal and offers no medicinal value isn't that a bit ridiculous?   With all due respect man you dont seem like an unintelligent person but you are greatly misinformed about alot of this stuff. I think youre a bit hung up politcal divides conservative vs liberal. You'd greatly benefit from educating yourself on the matter of mj. There's a reason why many conservatives also support mj legalzation including myself. Id be willing to send u some credible information if you're interested.


There are two basic ways you can separate your investments from the dollar (or any other currency).


Used car dealers will sometimes deliberately issue high-interest-rate subprime loans to folks who have poor credit. But taking that kind of risk on a mortgage, when you aren't also taking profit out of the sale, really isn't of interest to anyone who cares about making a profit. There might be a nonprofit our there which does so, but I don't know of one. Fix your credit before trying to borrow.


One of the attractions of used cars in Indianapolis and elsewhere is their value, which may not be reflected by their costs. While used cars may carry a price tag that’s half that of a brand new one, the drop is not necessarily relative to the quality but to the natural depreciation that all cars are subjected to.


Why wouldn't they just impose a limit on how many cancellations an account could have or a surcharge for cancelled rides after X amount of cancellations. The fact that the one phone got 1500+ cancellations associated with it is a greater sign of Lyfts weakness than anything. They should thank them for bringing to light new controls that need to be put in place


Nope,. Southern California. Offers the fastest direct flight to Seattle, talent will always be plentiful cause the weather is nice. People will want to live there and jobs will be plentiful if things don't work out with Amazon you can look in LA, OC and SD.


"Sounds like he might be a good resource. Even if school doesn't start soon, start learning. It's a competitive field because the people in it are driven, so you should be too. There's a ton of books out there, and the more you know the easier it will be to figure out the path you want to go down; or if it's even something you want to pursue. A few books on kindle are a hell of a lot cheaper than college is, and in my opinion college is a lot easier when you have a set goal instead of a ""maybe this could be for me"" attitude."


"I did a focus group on their tablet, and asked about outside network connectivity and using it as a general compute device, the response was, nope it's only intended for use on the in home intranet as a ""media"" device on our closed system.  Everyone else in the group thought my question and idea were good...oh well.   BTW, this was 3+ years ago"


Did you see the I don't know part, as in, I don't know what the right solution?    The ups were probably from people like me, who aren't experts in the market either, but still see a fundamental disconnect between what's happening now and what the presumed purpose of the market was claimed to be - a funds raising mechanism for companies.


Yes Absolutely! You will need to provide Sharekhan with a cancelled cheque from OBC which has your account number and name on it. They will link that to your DMAT account, and any settlements/dividends paid will directly be deposited into your OBC bank account.  Any time you need to deposit money into your DMAT account, you will need to provide Sharekhan with a checque from OBC and they will credit the amount and you can buy anything you like. Cheers.


"Honestly just keep track of your income and spending on a piece of paper. Write down every single thing.  Also set goals like ""ok I will make $1000 this month, and my goal is to pay bills of $200 and only spend $500 therefore I should easily be able to save $300"" or something like that.   Just do it there's no magic trick despite what some million stupid articles and forum posts will lead you to believe.   Saving money is like being in good shape... or keeping yourself clean... it's an every day, every hour kinda thing"


Jobs don't mean anything by themselves. If you are increasing part time positions but not full time there may be no gain in income/productivity. Also if wages aren't increasing but debt is that means the portion of average take home wage that goes towards interest is increasing as well.


Basically, no.  Selecting an actively managed fund over a low-fee index fund means paying for the opportunity to possibly outperform the index fund. A Random Walk Down Wall Street by Burton Malkiel argues that the best general strategy for the average investor is to select the index fund because the fee savings are certain. Assuming a random walk means that any mutual fund may outperform the index in some years, but this is not an indication that it will overall.  Unless you have special information about the effectiveness of the bank fund management (it's run by the next Warren Buffett), you are better off in the index fund. And even Warren Buffett suggests you are probably better off in the index fund: This year, regarding Wall Street, Buffett wrote: “When trillions of dollars are managed by Wall Streeters charging high fees, it will usually be the managers who reap outsized profits, not the clients. Both large and small investors should stick with low-cost index funds.”


"Welfare (food, shelter, health care) without the means/option to get off of it (jobs) is pointless.  Currently, it is a bridge to nowhere due to our leaders' obsession with shipping our jobs away, not increasing compensation, being unwilling to hire and train us, and/or allowing US workers to be undercut by illegal immigration.    Welfare (faring well) is a much needed a temporary bridge to self sufficiency.  Now it has just become the only ""fare"" available and a slide into employment oblivion."


"Actually sounds like an interesting concept for a business, potentially! (grin) You know, depending on where you live and how big the market is, you might see if there's a local ""concierge"" service.  These are companies that will act like personal shoppers/assistants for you in all kinds of ways.  I can't speak to the quality of their services or the pricing they use, but it would be a great place to start. I'm sure you can find listings of them on the web."


There is no denying the fact that Laptops, PCs, smartphones as well as Tablets presenting numerable opportunities to serve home and business user’s needs. Continuous use of PCs and laptops for meeting office and home task can lead to slow system performance.


"This is the best tl;dr I could make, [original](https://qz.com/1055287/an-error-made-in-1925-led-to-a-crisis-in-modern-science-now-researchers-are-joining-to-fix-it/) reduced by 85%. (I'm a bot) ***** > Fast forward more than a century later, and many researchers believe Fisher&#039;s choice of.05 has led to a crisis in science.  > What&#039;s to be done? A new proposal, authored by 72 prominent statisticians, economists, psychologists and medical researchers, offers a simple answer: Use.005 instead. &quot;This is an idea whose time has come,&quot; the University of Southern California behavioral economist Daniel Benjamin, a lead author of the paper, told Quartz.  > Benjamin points out that in two fields in which the p-value threshold was reduced, genetics and high energy physics, the change emerged from researchers who thought it was necessary for the maintaining the reliability of findings.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6v73kx/an_error_made_in_1925_led_to_a_crisis_in_modern/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~195821 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **research**^#1 **finding**^#2 **published**^#3 **new**^#4 **Fisher**^#5"


But their strategy is not debt spending to increase demand. Every time we start getting anywhere near a balanced budget they cut taxes again so that they can continue blaming the deficit on pork barrel spending. Forcing ever more draconian budget cuts that will never ultimately balance the budget. It's called a [starve the beast](https://en.wikipedia.org/wiki/Starve_the_beast) strategy.   Deficit spending does drive demand short term. But as this debt rises so does the rent seeking cost of that debt. After some point this debt cost exceeds the benefits derived from the debt incurred in any given year. Just because you cab say the debt incurred this year exceeds the cost of the debt incurred this year does not mean that these benefits will remain positive overall as the debt remains on the books indefinitely, not just for the year they were incurred. This is not to claim that all debt is bad, but you can't make broad statements about the benefits of debt in general.  Most such debt spending is a complete waste. Because your taxes are not defined by how much they take from your paycheck alone. When debt is used for consumption spending, rather than investment spending that increases productive capacity, this consumption leaves fewer goods and services remaining on the market for the rest of the consumers competing for it. Raising your cost of living. Your tax rate is not determined by how much money the government takes from you. It's determined by how much they spend. That is how much they are taking from the consumer market.   Granted, given the [low wages relative to capital returns](http://www-tc.pbs.org/prod-media/newshour/photos/2012/12/06/Andrew_Smithers_chart_blog_main_horizontal.JPG), demand (consumption) is overly suppressed. Resulting in an [overproduction](https://en.wikipedia.org/wiki/Overproduction) problems. Which makes debt spending look even more financially appealing, because it's not actually suppressing the already excessive demand constraints. But this is because you wages have been suppressed. So instead of paying taxes you are working for a lower income. In fact the loss of wages, relative to capital returns, i.e., your cost of living, actually well exceeds your tax cut. Your just paying those taxes through lower wages, or an increased cost of living, instead of taxes out of your paycheck. So your being conned out of that money while the people doing it are pretending to cut taxes.  The same [applies to the rich (PDF)](https://www.gsb.stanford.edu/sites/gsb/files/jmp_simcha-barkai.pdf) in a different way. There is a limit to how rich you can get from a population of poor people. When you cut wages too far below productive capacity to save cost it dries up demand. People can't afford as much of your product as you can produce. So they cut jobs, i., production, to match market demand, which drives demand even lower. Pushing inflation and the velocity of money to historic lows in spite of an increased money supply. This also makes it unprofitable to invest in new productive capacity when market demand is already saturated. Wages, relative to capital returns, must increase to fix it. But if you take it too far it drives inflation to unacceptable levels. But, at the present ratio, we are a long ways from that.


I understand what you're saying, but to me the circumstances are different. No scientist was or is predicting overnight calamity due to climate change. Predictions are for long-term change.   Various economics 'experts' on reddit, however, have been predicting imminent collapse for a long time. Krugman is also not saying to run a deficit forever; he follow Keynes, who said spend when times are tough and save when times are good.


"> EVERYONE has one or more of those ""lucky events"" in their lives.  Your assertion.  I don't see any reason to accept it as a fact, however.  If everyone were to have pounced on 'their' moment, does that mean an equally successful opportunity will definately open up for everyone else?"


"He is wrong.  Using Total Return (Reinvesting Dividend), from the peak in December 1999, it only took 6 years to recover.   You can check the data for free here. Make sure you choose ""Gross Index Level"".  ACWI Index is Developed Markets + Emerging Markets.  World Index is Developed Markets only."


So ... how are you going to have a bank run if you got rid of cash? I suspect big investors will attempt (have already attempted?) to pull their cash, but regular people? Not like running to the ATM will do much good and I don't think they have offshore accounts.  Excuse my naïveté, but that's the first thing that came to my mind...


The simple answer is to not close your American bank accounts - or if you have already done so, open one. Make sure it allows for internet banking, and use it to pay all your bills. Periodically move some money from your Canadian account to your US account to cover the bills. I have done this between Canada and the UK for fifteen years now. An alternative is to set up a USD account at your Canadian bank.  Most organizations will happily mail your bills abroad, unless the bills are actually associated with an address, like a utility - in which case you should get the person living there to take care of them. Much better is to use electronic billing for everything.


What beats me in all of this, is who's the stupid advertiser thinking annoying potential customer by interfering their content consumption will bring more business....The logic of the whole marketing decision making chain, ratified by higher echelons, totally escapes me.


> The attempt at nation building was a military venture.  No, it really wasn't. That was a U.S. government venture with a significant portion of it run out of the State Department and USAID. USAID alone had some 50k+ contractors (i.e. about 1/3 of all contractors in Iraq) working for it at one point. Due to the fucking retarded nature of funding, I would not be surprised at all to find out that those contractors were counted as DoD despite having nothing to do with the DoD.  >Quibbling over how many carry guns versus wash dishes isn't the point, really.  It is relevant, and here is why. A lot of the base services provided by those contracted personnel either were not truly required (and in the absence of cheap contracted labor, would not have been done at all - like having other people to do your laundry for you, or to scrub down the bench at the gym whenever you walked away from it) or would have required a lot less people if done by Americans (skilled labor specifically). Those numbers are artificially inflated by labor that was non-essential and by inefficient labor.  So while it certainly represents outsourcing, I don't think that the raw body count is a fair representation. It takes a dozen Kenyan guards to do what 2 soldiers would normally do at a checkpoint.


If you're living in a market where some houses are going for $150K over asking, then you MUST buy before you sell.  In a seller's market, you will get multiple offers on your current house when you decide to sell, it will sell for (well) over asking, and you can dictate possession dates.  You do not need to worry about selling your own home, if you have a competent realtor. But buying a home is an entirely different story.  You may struggle to find something affordable, and there may be multiple buyers each time you decide to make an offer.  You may go through this cycle several times over many months before your offer  is accepted.  You should do this while living in your own home, with the comfort of knowing that you can sell your own home easily at any time, instead of the stress of an imminent closing date on your own home.  Or worse, move into rented space or Malvolio's mom's house for months or a year while the market increases by 15% and the houses in your old area are now selling for $100K more than you sold for.  Ouch, now you really can't afford to buy what you want, and you may end up buying something equivalent to what you used to own, for more, plus legal, realtor, and land transfer costs. If the closing dates don't align, then bridge.  This will only end up costing a few hundred dollars, less than $1K including legal fees (the lawyer will also charge to handle this).  But by buying before you sell, you'll easily make up that difference. This advice only applies to hot property markets.  I'm not a realtor, just a guy living in the GTA who went through this process last year.  Lost out on three offers over 10 months, then bought for asking price on fourth offer (very fortunate), then sold for $90K over asking, then bridged for 2 months.  My realtor is awesome and made the process as stress free as it can be.   Get a good realtor, start house hunting while preparing your own house for sale, and enjoy the process.  Also you should negotiate with your realtor, they may be willing to reduce their commission on your sale if they are also representing you on the purchase. Good luck! P.S. Do not make a contingent offer, and do not accept one.  Get your financing in place before you make an offer, and if you are concerned about inspection, you can also do that before the offer, if you act quickly.  The inspection will cost ~$500, but it will increase the value of your offer by much more than that since you will be going in without conditions.  I spent ~$1,000 on two property inspections on homes I lost out on, and I don't regret it.  That is the cost of doing business. The other offers on the home I eventually bought were for significantly more than my offer, but they had conditions.  I saved at least $40K by being condition free, and I only spent $1,500 on three property inspections.  And, some people will just drop out of the multiple offer scenario when they learn that one of the buyers has done an inspection.


33,000 killed and 3.9 million injured. Add up all the medical bills, insurance premiums, auto repair bills, some accidents require roads and other infrastructure to be repaired, productivity lost due to death or injury, productivity / time lost to traffic caused by accidents, any costs that arise from sick leave or finding a new job due to extended absences, and any other miscellaneous costs and I think it's more than feasible. That 900 billion dollar figure doesn't refer to how much the government spends on car accident related costs, it's talking about the economic impact as a whole.   It specifies the economic costs are more like $270 billion.


My response was actually about the stupidity of nitpicking and the fallaciousness of the public preoccupation with minimalist government spending.  I made no argument that the government need to be lavish.  And I agree, first class is not necessary in almost all cases. But it is easier to be productive in first class.  And if you're competing with the private sector for talent, there are certain places that skimping is both counter to productivity and strategic outcomes.  You want the best medical doctors working for the NIH and the CDC. Forcing shitty working conditions on them out of rigid demands is not a useful tactic.  And, again, I agree: harassing entry level and working class employees over small issues isn't good for the staff, the government or the people they serve.  If you want to find CHIP and food programs, quit giving out corporate welfare in the form of overpurchasing military hardware the Pentagon doesn't even want just for the sake of chest thumping and looking good.  And stop insisting that all taxes are spent inefficiently - it's untrue.  But making highly educated, powerful government employees live on the cheapest possible benefits and costs of employment is silly. And counterproductive - it moves you closer to ensuring government dollars are inefficient because no one talented will bother staying.


No one knows if the market is high right now.  To know that you would need to compare it to the future, not the past. If you put all your money in right now, you run the risk of putting it in at what turns out to be a bad time.  If you spread it out, you will for sure put some of it in at a bad time (either the stuff you put in now, or the stuff you put in later).  The strategy that, on average, will make you the most money is to put everything in now.  If your risk tolerance allows that (it sounds like it does) then I think going all in makes sense. There really aren't significant downsides to buying a ton at once.  You aren't going to move the needle on a big Vanguard fund with that amount and there isn't a tax consequence or anything to buying.  Of course, when you sell, you will need to pay capital gains tax on any gains, but that's a later chapter. The bigger consideration is to be smart right now about avoiding taxes.  If your income is low, max out your Roth IRAs.  If you need to you can later use that money for a house or you can pull the contribution part out at any time if you want without a penalty. Is a $50K buffer too much?  Normally I would say yes, it's excessive.  I have 5 rather expensive kids and I keep $20K in cash, which seems high, if anything.  However, if you are unemployed or your income isn't covering your expenses, then keeping a larger pot in cash makes good sense until your cash flow firms up.  Setting $50K or something close to that aside sounds a lot like something I would do in your shoes. BTW where are you finding a savings account that pays 2%?


There is a whole pile of information on TFSAs here. I recommend reading it. There is no penalty for withdrawing money from a TFSA as such. You can withdraw from it at any time. The only restriction is that you can't put the money you took out back in the same year (unless you have sufficient contribution room for it to be considered an additional contribution). This scenario explains it. There may be penalties for withdrawing money from the investment vehicle into which you paid the TFSA contents. For example your TFSA contents may be in a mutual fund, or in an interest-bearing savings account. If those have restrictions on how much you can withdraw, or have penalties for withdrawl, then you will have to abide by the rules and pay any penalties.


"Jesus, my man, you need a hug or something? Down on your luck? You're inferring a lot about my personal beliefs (I lean pretty heavy socialist) and coming pretty hard at me personally as though I'm stepping on your throat somehow.   That's not what I'm saying or my intention. I'd certainly prefer a socialist society where we take care of one another over sole self interest. You're right; I don't think we make a serious effort to champion socialist ideals in the US (not sure of your country of residence) anymore and I wish we did. That's decades of conservative politics and policies effectively making socialism a dirty word, as well as having communism as an enemy for decades while vaulting the ""wonders"" of capitalism (which I don't actually hate, but think needs boundaries and an understanding that we're better if everyone has basic needs and opportunities met) have made socialist ideals something of a pariah.   But, the key of all of that is people; they're the biggest issue with any system. If we were compassionate capitalists that championed fair competition and understood not everyone starts from the same point or has the same journey, we'd be better off. If communism wasn't riddled with cronyism and favoritism and people really shared in the means of production and wealth, maybe the world would work. But, that's not the case because people, perhaps not necessarily evil, are kinda dicks and have self-preservation ingrained in them; whether that's economic, social, or personal."


"Can she claim deductions for her driving to and from work? Considering most people use their cars mostly to commute to/from work, there must be limits to what you can consider ""claimable"" and what you can't, otherwise everyone would claim back 80% of their mileage. No, she can't. But if she's driving from one work site to another, that's deductible whether or not either of the work sites is her home office. Can she claim deductions for her home office? There's a specific set of IRS tests you have to meet. If she meets them, she can. If you're self-employed, reasonably need an office, and have a place in your house dedicated to that purpose, you will likely meet all the tests. Can I claim deductions for my home office, even though I have an official work place that is not in my home? It's very hard to do so. The use of your home office has to benefit your employer, not just you. Can we claim deductions for our home internet service? If the business or home office uses them, they should be a deductible home office expense in some percentage. Usually for generic utilities that benefit the whole house, you deduct at the same percentage as the home office is of the entire house. But you can use other fractions if more appropriate. For example, if you have lots of computers in the home office, you can deduct more of the electricity if you can justify the ratio you use. Run through the rules at the IRS web page."


For IT departments internally billing is essential for managing expectations. Otherwise they are treated as an endless pool of free resources.  That said, it doesn't have to be just in terms of a dollar amount. For example, each department can be allocated a set number of hours per year for software development. That way they are forced to prioritize what they want instead of asking for everything up front.  IT shouldn't actually charge-back labor. To do so would force them to give up their staff budget with the hope that the other departments will give it back. Only charge-back actual physical items like computers.


"I don't know, it's interesting to see where my personal income falls in relation to the 1% break over. And I had not seen it broken down by age before. It's certainly click-bait, but I found it interesting to see that I've just got a *little* bit further to go to finally be considered ""the 1%"" assuming they don't move the goal posts."


I actually really like the way you positioned this question. If you love what you are doing every day, why would you ever want to quit, right? I'd think of retirement as a safety net instead. Your retirement can be a fall back for if something happens if you are unable to work or deicide to work less. There are some really good answers listed here, but I think it depends on how you want to view, or rather define retirement.


"Shhh... Don't tell them 1x lumber is actually 3/4"". There will be another lawsuit.   I could see suing over being under the standard,  as it would throw off all your plans. This is a national standard that has been in place for decades.  Why should they pay for their customers' ignorance?"


"As was stated, households earning over $250k/yr don't all get their income one way. Below that threshold, even in the six figure range, most households are in one of two categories; salary/wage/commission workers, and those living off of nest eggs/entitlements (retired, disabled, welfare). Above $250k, though, are a lot of disparate types of incomes: Now, you specifically mentioned wage earners above $250k. Wage earners typically have the same ""tax havens"" that most of us do; the difference is usually that they are better able to make use of them: In other words, there are many ways for a high-end wage earner to live the good life and write a lot of it off."


I'll give it a shot, though I know nearly nothing about airlines. 1% is a lot when your revenue is very high. Lets say a plane can have 200 people on it. Plane tickets are a lot, so each person is charged $700 in this example. That's 140K in gross revenue per trip. 1% of that is $1400. You have several trips a day per plane. Lets say 5 trips a day per plane. Each plane is netting $7000 a day. Or around $2.5 million in profit a year. Lets say a commercial plane that has a capacity of 200, costs around $50 million. That's a 20 year ROI. Up your margins to 2%, now you're at 10 year ROI.  Plus depreciation. You get to depreciate that $50 million over the course of X years. Basically making all of the profits the airline gets, tax free due to their insane amount of depreciation.   Pair this income with cheap oil, and a smart CEO that can cut costs, and you have a cash cow on your hands. And given the fact that a lot of airlines have a ton of planes already depreciated to $0 that aren't on their books any more, you may be able to buy the airline for a fraction of their net assets.   Margins are important, but it's all relative.   Edit: Changed numbers to prove my point, and because I am not a smart man


Bernie Fucking Sanders. Elizabeth Warren? Ron Paul? Dennis Kucinich? There have been people that have tried to expose this. The same corporate system marginalizes them. But you're obviously a corporate apologist. So no manner of evidence will change your mind. Good Day.


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You should probably visit Taco Bell again.  Their prices have gone up, and that's not at all true anymore.  See [their online menu](https://www.tacobell.com/food/tacos) for some prices.    That crunchy taco we used to get for like $0.49 is now $1.59.


according to me it's the news about a particular stock which makes people to buy or sell it mostly thus creates a fluctuation in price . It also dependents on the major stock holder.


Investors purchase additional shares all the time. Every investor that adds money to their investments does this every paycheck or every month. Investors do this every time they reinvest dividends, interest or capital gains. They also buy and sell shares when they decide to rebalance their portfolio.  Whether you are investing via a broker, mutual fund or ETF the investment company can handle this issue. You do want to know how they want you to specify which shares you want them to sell. The laws in your country may specify a default procedure, or what needs to be done if you want to use another procedure, or if you are allowed to change once you have specified a procedure.


"The CRA's website has pretty good information on this type of thing. The search function is not great, however, so I recommend going to Google and typing: If you search  It brings you here: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account/transfers/transfers-between-your-tfsas.html  ""If you want to transfer funds from one TFSA to another or from one issuer to another, there will be no tax consequences if your issuer completes a direct transfer on your behalf. For more information, contact your issuer."" It seems that this is not something you are able to perform yourself. Unfortunately it seems you may need to go back to your issuer with this information and ask, again, that they perform the transfer on your behalf. Note that failure to comply with this request on their end likely has stiff penalties behind it, so it may help you to get the individual's name and wave that stick around to make something happen. You may also have better luck by first opening an account with your new desired institution, and asking that they assist in requesting the transfer from your old institution. They have incentive to help you here as it's the only way they get to serve you, so you'll have valuable help on your side."


Theres an interesting dynamic in play: transaction fees vs. block reward.  The last few years running up to the present have seen a much greater inflationary supply than demand can sustain, leading to the swings of a speculative asset commodity. As block reward diminishes and fees start to sustain the economy more, we will see much more stability, hopefully allowing more liquidity to flow in and remain there. As this occurs, bitcoin starts to behave more like a currency.


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My simplest approach is to suggest that people go Roth when in the 15% bracket, and use pre-tax to avoid 25%. I outlined that strategy in my article The 15% solution.  The monkey wrench that gets thrown in to this is the distortion of the other smooth marginal tax curve caused by the taxation of social security. For those who can afford to, it makes the case to lean toward Roth as much as possible.  I'd suggest always depositing pretax, and using conversions to better control the process. Two major benefits to this. It's less a question of too late than of what strategy to use.


Plenty of folks earn $300k/year from salary alone, and keep in mind this is household income. If you and your spouse are both educated and have a well paying jobs it's not all that difficult to hit that mark.


"I've never used them myself, but Scottrade might be something for you to look at. They do $7 internet trades, but also offer $27 broker assisted trades (that's for stocks, in both cases). Plus, they have brick-and-morter storefronts all over the US for that extra ""I gotta have a human touch"". :-)  Also, they do have after hours trading, for the same commission as regular trading."


In my experience thanks to algorithmic trading the variation of the spread and the range of trading straight after a major data release will be as random as possible, since we live in an age that if some pattern existed at these times HFT firms would take out any opportunity within nanoseconds. Remember that some firms write algorithms to predict other algorithms, and it is at times like those that this strategy would be most effective. With regards to my own trading experience I have seen orders fill almost €400 per contract outside of the quoted range, but this is only in the most volatile market conditions. Generally speaking, event investing around numbers like these are only for top wall street firms that can use co-location servers and get a ping time to the exchange of less than 5ms. Also, after a data release the market can surge/plummet in either direction, only to recover almost instantly and take out any stops that were in its path. So generally, I would say that slippage is extremely unpredictable in these cases( because it is an advantage to HFT firms to make it so ) and stop-loss orders will only provide limited protection. There is stop-limit orders( which allow you to specify a price limit that is acceptable ) on some markets and as far as I know InteractiveBrokers provide a guaranteed stop-loss fill( For a price of course ) that could be worth looking at, personally I dont use IB.  I hope this answer provides some helpful information, and generally speaking, super-short term investing is for algorithms.


"left out of the pictures is the degree to which the ECB is buying their own bonds.  At least with the FedResInk, we know what sort of ""open market"" action is being taken to keep interest rates held as close to zero as possible.  I coke dealer can make sure his ""sales"" are through the roof by using his own product, but eventually he has to buy more supply.  I think people are confused about central banks being that coke dealer or being his supplier."


Is there one out there that doesn't suffer from massive survivorship bias? Most that I've looked at gather their data from discretionary reporting from the manager themselves, and many stop reporting after bad months when they aren't going to be raising capital anyway.


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Math and Econ double here.  At a BB now.  Will heading back to get MS in computational (quant) finance soon.  Here's my advice.  Learn the following:  * Differential Equations,  * Linear Algebra,  * Numerical Analysis,  * Stochastic Calculus.  The statistics used are more complex than econometrics.  Econometrics is a very vague and rough introduction to Linear Algebra and mediocre (at best) depth in statistics.  Statistics you use are not going to be basic business stat.  It will be stochastic calculus which is why you need to have a firm grasp of multivariate calculus [calc 3] and proficiency with MatLab, Maple, or another equivalent.  Every info session I've attended regarding MS Finance programs has the expectation of a coursework background that has reached at least Calc 3 and Linear Algebra.  Some programs will admit based on GMAT/GRE quant score but will require you to take those math courses in first semester (and thus sacrifice a possible dual program option and limit your concentrations).  Other programs aren't as lenient... Just depends on the school you plan on attending.  As per your question, calculus comes into play in just about every single real world valuation you will do, regardless the product.  **edit:** and down votes for real world advice?  nice r/finance


"Designed by Apple in California, manufactured in China. At this point in time Apple has more employees in the US than in the past. They never really moved jobs overseas, mostly they just spun up work overseas because that's where all of the components of the supply chain were. When you say ""hey... I want to start cranking out devices. I need to know how fast you can turn if there's a design change late in the pre-production stage"" and the best answers you get are from makers in China, that's where your work goes."


Assuming that luxury goods like cars are currently owned by the rich, taxing them further would simply raise the prices of the goods further on the market. I would suggest giving a small number of goods like cars to random members with low cash, who can then bring down prices. They will then have more cash too.


Trader Joe's isn't Whole Foods. I buy there's to pinch pennies. Usually my lunches at work come out to $5 for 3 days worth. Maybe the basics like meat and eggs are more expensive but it's actually not expensive to buy there at all


"This is more of a long comment but may answer user's situation too. I have dealt with joint mortgages before in 3 states in the US.  Basically in all three states if one party wants to sell, the home goes up for sale.  This can be voluntary or it can go up via auction (not a great choice). In 2 of the 3 states the first person to respond to the court about the property, the other party pays all legal fees.  Yes you read this right.  In one case I had an ex who was on my mortgage, she had no money invested in the house ($0 down and still in college with no job).  [If she wasn't on the mortgage I wouldn't have gotten loan - old days of dumb rules] When we split her lawyer was using the house as a way to extort other money from me.  Knowing the state's laws I already filed a petition for the property but put it on hold with the clerk.  Meaning that no one else could file but if someone tried mine would no longer be on hold.  My ex literally spent thousands of dollars on this attorney and they wanted to sell the house and get half the money from the house.  So sale price minus loan amount divided between us.  This is the law in almost every state if there is no formal contract.  I was laughing because she wanted what would be maybe 50-75K for paying no rent, no money down, and me paying for her college. Finally I broke her attorney down (I didn't lawyer up but had many friends who were lawyers advising).  After I told her lawyer she wasn't getting anything - might have said it in not a nice way - her lawyer gave me her break down.  To paraphrase she said, ""We are going to file now.  My assistant is in the court clerk's office.  You can tell the court whatever you want.  Maybe they will give you a greater percentage since you put the money down and paid for everything but you are taking that chance.  But you will pay for your lawyer and you will need one.  And you will pay for me the entire time.  And this will be a lengthy process.  You would be better served to pay my client half now."" Her office was about 2 blocks from court.  I laughed at her and simply told her to have her assistant do whatever she wanted.  I then left to go to clerk's office to take the hold off.  She had beat me to the office (I moved my car out of her garage).  By the time I got there she was outside yelling at her assistant, throwing a hissy fit, and papers were flying everywhere.  We ""settled"" the next day.  She got nothing other than the things she had already stolen from me.  If I wouldn't have known about this loophole my ex would have gotten or cost me through attorney's fees around 40-50K for basically hiring a lawyer.  My ex didn't really have any money so I am pretty sure lawyer was getting a percent. Moral of the story: In any contract like this you always want to be the one bringing in the least amount of money.  There are no laws that I know of in any country where the person with the least amount on a contract will come out worse (%-wise).  Like I said in the US the best case scenario that I know of for joint property is that the court pays out the stakeholder all of their contributions then it splits things 50/50.  This is given no formal contract that the court upholds.  Don't even get me started with hiring attorneys because I have seen the courts throw out so many property contracts it isn't even funny.  One piece of advice on a contract if you do one.  Make it open and about percentages.  Party A contributes 50K, Party B 10K, Party A will pay this % of mortgage and maintenance and will get this % when home is sold.  I have found the more specific things are the more loopholes for getting out of them. There are goofy ass laws everywhere that make no sense.  Why would the person first filing get their lawyers paid for???  The court systems in almost all countries can have their comical corners.   You will never be able to write a contract that covers everything.  If the shower handle breaks, who pays for it?  There is just too many one-off things with a house. You are in essence getting in a relationship with this person.  I hear others say it is a business transaction.   NO.  You are living with this person.  There is no way to make it purely business.  For you to be happy with this outcome both of you must remain somewhat friends and at the very least civil with each other.   To add on to the previous point, the biggest risk is this other person's character and state of mind.  They are putting in the most money so you don't exactly have a huge money risk.  You do have a time and a time-cost risk.  Your time or the money you do have in this may be tied up in trying to get your money out or house sold.  A jerk could basically say that you get nothing, and make you traverse the court system for a couple years to get a few thousand back. And that isn't the worst case scenario.  Always know your worst case scenario.  Yours is this dude is in love with you.  When he figures out 2-3 years later after making you feel uncomfortable the entire time that you are not in love with him, he starts going nuts.  So he systematically destroys your house.  Your house worth plummets, you want out, you can't sell the house for price of loan, lenders foreclose or look to sue you, you pay ""double rent"" because you can't live with the guy, and you have to push a scooter to get to work. That is just the worst case scenario.  Would I do this if I were 25 and had no family?  Yea, why not if I trusted the other person and was friends with them?  If it were just a co-worker?  That is really iffy with me.    Edit: Author said he will not be living with the person.  So wording can be changed to say ""potentially"" in front of living with him in my examples."


The US did the same during/after WW2. Look up the T-Force.  Its likely manufacturing will return to the US due to highly advanced automation.  Its difficult to find sympathy for Western corporations when they are doing everything to pay as little tax as possible and to bribe/'lobby' politicians. Even Google is now censoring free speech, so how are they different to a Chinese company?


In other words, price increases in the US are exceeding wage increases while overseas in BRIC - wage increases are exceeding price increases.   Hmm, I can't possibly figure out which one creates a more sustainable and growing economy /sarcasm. When price increases exceed wage increases, you're going to have stagnant economy.


"It's not my title. It's the original title. I was pointing out that as a headline, it makes more sense to point out that the businesses are apparently against this regulation. Rather than have the headline be formulated as a tautology, i.e. ""Consumers win after CFPB opens door to thing that benefits consumers""."


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Is it cheaper to send in state tax now or wait until I file my return? Unless not paying now will trigger some sort of state tax penalty (which will depend on your situation and what state you live in), there's no practical difference between paying now and paying when you file.  The only thing you lose by paying now will be the possible return you could earn by investing it, which is probably minimal. I would be more concerned about the penalties than any opportunity costs.


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It may not be just in the meat production either. There are huge corn subsidies in the US. That keeps the price of feed down, so its cheaper to raise the meat. Also, the fertilizer and insecticides used on the corn have environmental impacts when they run-off into local rivers and streams which are paid for by the public not the farmer (which is usually a huge agri-business).


I was doing my taxes in the US (called Form 1040) and wanted to find out how to figure out the cost basis for the $3.006 that I received for each Siemens ADR that I hold in July 2013. I found that the cost-basis allocation ratio is as follows: Thus for the original poster the cost-basis is: Hope this helps someone.


This is just another business opening in the area, that's all.  The city isn't giving money to the developers, and the course already has been chosen for 2 senior PGA tournaments.  The only point of contention is the city leasing a few acres to the golf course for a century, which is understandably annoying, no question.


"The whole point of the ""envelope system"" as I understand it is that it makes it easy to see that you are staying within your budget: If the envelope still has cash in it, then you still have money to spend on that budget category. If you did this with a bunch of debit cards, you would have to have a way to quickly and easily see the balance on that card for it to work. There is no physical envelope to look in. If your bank lets you check your balance with a cell-phone app I guess that would work. But at that point, why do you need separate debit cards? Just create a spreadsheet and update the numbers as you spend. The balance the bank shows is always going to be a little bit behind, because it takes time for transactions to make it through the system. I've seen on my credit cards that sometimes transactions show up the same day, but other times they can take several days or even a week or more. So keeping a spreadsheet would be more accurate, or at least, more timely. But all that said, I can check my bank balance and my credit card balances on web sites. I've never had a desire to check from a cell phone but at least some banks have such apps -- my daughter tells me she regularly checks her credit card balance from her cell phone. So I don't see why you couldn't do it with off-the-shelf technology. Side not, not really related to your question: I don't really see the point of the envelope system. Personally, I keep my checkbook electronically, using a little accounting app that I wrote myself so it's customized to my needs. I enter fixed bills, like insurance premiums and the mortgage payment, about a month in advance, so I can see that that money is already spoken for and just when it is going out. Besides that, what's the advantage of saying that you allot, say, $50 per month for clothes and $100 for gas for the car and $60 for snacks, and if you use up all your gas money this month than you can't drive anywhere even though you have money left in the clothes and snack envelopes? I mean, it makes good sense to say, ""The mortgage payment is due next week so I can't spend that money on entertainment, I have to keep it to pay the mortgage."" But I don't see the point in saying, ""I can't buy new shoes because the shoe envelope is empty. I've accumulated $5000 in the shampoo account since I went bald and don't use shampoo any more, but that money is off limits for shoes because it's allocated to shampoo."""


"I'll leave you with this, since you're so desperate to prove that you aren't racist. If you want people to not think you're racist, then STOP SAYING FALSE RACIST THINGS. STOP SAYING ISLAM SHOULD BE ILLEGAL. STOP GROUPING A BILLION PEOPLE IN WITH A HANDFUL OF EXTREMISTS. STOP DEFENDING YOUR RACISM UNDER THE GUISE OF ""SAFETY"". PICK UP A BOOK AND JUST STOP SAYING STUPID RACIST THINGS.  Its really not hard. Just don't be a dick to a billion people that you know absolutely nothing about."


The old underwriting standards were 28% home debt to income ratio and 33% consumer debt to income ratio. Consumer debt is calculated based on minimum payments. Now, most models are revised upwards... I believe 33/38 is more common today.  As long as you are current on the accounts, closing credit or store revolving accounts will have little or no bearing. Just leave them dormant... there is no positive result from closing accounts that have no balance. Having low or no balances has NO negative impact on your credit score. Low balances are NOT red flags to lenders. Period. Here's a quote from Fair Issac: It's just not true that you can have too much available credit. That by itself is never a negative with the score. Sometimes the things you do to get too much can be a problem, such as opening a bunch of new accounts, but for the most part, that's just kind of an old wives' tale. The major drivers of credit scoring are: To improve your prospects for getting a mortgage, you should be reducing your spending and focusing 60/40 on saving for a down payment and paying down that $15k credit card, respectively. Having cash for a down payment is critical to your buying power, as zero-down loans aren't widely available in 2011, and a large downpayment will allow you to eliminate or reduce the time you are paying PMI. PMI reduces your buying power, and is a big waste of money.


Both you and the Company were probably benefitted by this decision.  Specifically an option grant that was not FRV or more would require you to recognize the option as income whether you had exercised it or not.  Additionally a host of other 409A tax issues/penalties could have been levied against you as an employee recipient.  I certainly appreciate your concern about a change in compensation, but this is one where Corporate America likely saved your bacon.


This article makes claims and fails to back *any* of them up with actual data. Showing your work is rather important here.  [This is the official table from the BLS, showing a seasonally-adjusted U-6 number of 15.6%, down 0.6% from last month and down 1.4% year-over-year.](http://www.bls.gov/news.release/empsit.t15.htm)


Obama never helped with the debt overhand on households as he promised.  All the overleveraged household debt due to homes with first and/or second mortgages that exceeded the value of the home was more or less unrelieved by his HAARP program, and other programs that were supposed to relieve overleveraged households.  So the debt overhand was never addressed and is still being worked through as  millions of homeowners pay down mortgages.  It's going to continue for a few more years, until people start building up equity again.  This all affects the economy, as consumers have less money to buy things with or maintain solvency, as trillions are still being funnelled to finance companies and investors in real estate derivatives.  For example, a large part of the student loan bubble is due to this debt, since many homeowners who would have, in the past, taken out tax deductible equity loans to finance their kids's education, can no longer do so.  Instead, a portion of student debt is being carried by the kids themselves, whoo graduate under debt and can't buy their own homes or spend their paychecks, for years or decades.  There has been widespread non-compliance among banks with Obama's HAARP program and other measures intended to provide homeowners from the housing bubble debt overhang, but the Administration never followed through or engaged in enforcement actions that encouraged compliance.  Those programs were therefore ineffective and/or were always intended just to be window-dressing, or faux achievements.  The banks are still raking in trillions of undue profits from overpriced mortgages created during the housing bubble their practices helped create.  Those trillions are coming out of the rest of the economy, where the dollars would be better spent.


* Uses statistics to makes misleading claims not implied by the statistics.   * Insults others when they point this out, mocks the use of logic to show his reasoning doesn't follow, but doesn't refute that he used stats to make misleading claims.   * Ends up posting different statistics, implicitly acknowledging that the old statistics don't really support his claim, while continuing to insult those who rightfully corrected him.


You have got it wrong. The profit or loss for smaller investor or big investor is same in percentage terms.


"Dave Ramsey would tell you to pay the smallest debt off first, regardless of interest rate, to build momentum for your debt snowball.  Doing so also gives you some ""wins"" sooner than later in the goal of becoming debt free."


We should do away with the concept of insurance for health, period.    You don't have safety insurance that covers police services.  You don't have national defense insurance.  You don't have fire services insurance.  Why?  Because they are essential services that are commonly needed and serve as a public good.  *Every single human being* suffers from the common ailment known as *humanity.*  Thus, every single human being needs health care.  Health *care,* not health insurance.


AAA Tours offers you a more economical way of travelling in Costa Rica: “Shared Transportation Hotel to Hotel service”. The average cost is about $46.00 per person. Once we know your travelling dates and destinations we can organize this type of transportation for you. http://www.aaatourcostarica.com/share-transportation-hotel-to-hotel-service/


Oh, completely the opposite. I am highlighting the government as a human entity which unappologetically wastes my money on wildly excessive and burdensome pension liabilities, employes people to take on no functional, need driven role, funds infrastructure projects with no public need, lines the pockets of unionized contracting firms that're paid to sit idle on their job sites for months, sometimes years, and in general does not have my best interests at heart as a taxpayer in the slightest.  I am highlighting the government as a human entity easily capable and already culpable for massive theft since it has begun to grow well past the publics ability to control it. Any quack who tells me the government is the answer to all of my problems would do well to study the plight of Native Americans.


"...at least as far as they could prove.  While it isn't impossible for me to believe an employee would commit felonies for the sake of doing their job ""better"", it's more difficult than believing the whole thing stunk.    In the OP's example, it's extremely difficult for me to imagine a few mid-level programmers taking the time to program a stock bot in their free time..."


If medical, not cosmetic, you can deduct medical expenses to the extent they exceed 7.5% of your adjusted gross income.  Note: it's been announced that starting in 2013 the deduction is for amounts exceeding 10% of AGI.


"When banks would return the actual physical cheque, at least you had some printing / writing from the other bank on it, as some type of not-easily-Photoshopped proof. Now many (most?) banks don't return the actual cheques anyway, just an image of it - sometimes a low quality shrunken B&W photocopy-like image too.  You'd have to check with a lawyer or court in your area, but I suspect any photocopy or image, as well as a written or carbon-copy duplicate, would not be good enough proof for a law court, since they could all be easily re-written or Photoshopped. So I don't think there's a real upside anyway. Only an official bank statement saying that the name/people written actually cashed the cheque might be ""good evidence"" (I'm having doubts that the bank's own low quality ""image"" would even qualify, unless it's verified as coming directly from the bank somehow). I'd agree with Nate (+1) that a big downside could be identity theft, either online or alongside phone loss/theft."


If one does pay, one should only pay after they get a letter stating such a payment fully satisfies the debt. Then, one should only pay via money order or cashiers check.  Never pay by personal check or credit card.  Send such a payment via certified mail to ensure delivery. As stated in other answers: There might be an issue of honoring your debts, but that doesn't come into play here.  You already didn't pay your debt, and the original owner of the note already took money.  Paying this debt is only money in pocket of the debt collector.  The scammier they are, and the worse they treat you would factor in.


So obviously, realtors are not economists and have a strong bias here.  A lot of actual [economists](https://fivethirtyeight.com/features/the-tax-deductions-economists-hate/) think the mortgage deduction is nonsense and doesn't actually promote home ownership. Countries without the deduction have about the same ownership rates as the U.S.  Worth noting that this proposal doesn't actually scrap the mortgage deduction, it just makes the standard deduction bigger. Some people will end up better off with the new standard deduction, and those with more expensive homes can keep using the mortgage deduction.  This is one of the few proposals coming out of the Republican congress that actually helps poor people more than rich people.


Bạn có sử dụng chiến lược Vàng hàng ngày theo Spot Gold Price không?  Nội dung hợp đồng cung cấp chiến lược Vàng hàng ngày theo Spot Gold Price.  Sự khác biệt giữa Nhận định và Chiến lược của chúng tôi là điểm ra – vào thị trường.  Một dòng tiền thông minh sẽ có sự lựa chọn thông minh khi tham khảo Nhận định của chúng tôi !


This is really hard as a business leader. You want to be there to provide influence and guidance, but then the president completely ignores business leaders with the FCC, Paris Agreement, and so on. I would just quit because Trump does his own thing and takes advice from no one: why waste my time?


"I don't think there's anything wrong with it ethically but there are more fulfilling careers that are sometimes more financially rewarding. Also, there are a lot of people looking to get into that game so of course not everyone is going to make as much money as at first.  How is quant trading not siphoning funds? They typically don't trade based on value of fundamentals and don't contribute anything to society other than taxes and liquidity in the markets. How does that make me as bad as a ""bankster""(I'm assuming you're talking about the top executives who privatize profits and socialize losses)? I would have thought banksters love quants. You're not making much sense, buddy.  You're awfully cranky for a Saturday. Where's your advice for OP?"


As a gift, the responsibility lays with the giver to file a 709 with their taxes for gifting to a single entity (barring certain exclusions) an amount over $14,000 within the (2017) tax year. https://www.irs.gov/pub/irs-pdf/i709.pdf If this person is a foreign entity from outside the country, you might need to provide in your tax filing a form 3520 https://www.irs.gov/businesses/gifts-from-foreign-person The reporting limits are: more than $100,000 from a foreign estate or non-resident alien, or more than $15,102 from a foreign company. If you don't know who/where the money came from i.e. cash, it would be considered found money and fall under income (not a gift).


Yes if you do it as a hobby, as it's still income. But it should be something you can offset against tax Either way, you shouldn't be doing this as you, you should either register as self employed or create a company. You register this income as self-employed income (or income of the company) and offset the expenses of running the server against tax. In the UK, companies (or self employed people, which are basically companies) pay tax on profit not income (unless VAT applies, in which case they're basically just passing the VAT on for their customers). Since you're not making a profit over the whole year (even if some months are profitable) you will pay no tax.


With about 10 minutes in front of google you could probably answer everything you just asked.     I'm not directly trying to defend her, in so much as making a point to say that most of the comments I've read here indicate a severe lack of awareness of what the fuck your talking about. and a desire to posture about it, and making an ass out of your selves in the process.  Ignoring the QUALITY of writing, its a blog post, expressing an opinion on something.  The value of anyone's opinion should be weighed in regards to what they've done as a person or professional up to that moment in time.   Again, in 10 minutes, Google could tell you everything you need to know to give you a better opinion then you've written above.    Take the time people, before you make your self look like idiots.


"Nothing you've provided does anything but prove you are wrong.   The ""basic cop + nurse"" do not make $300k based on any stretch or interpretation of the data you've provided.   The basic cop makes $70-80k with opportunity to make over 6 figures as a detective, if they pursue and make that rank later in their career.   The basic nurse looks to make about $74k in LA, and I'm having trouble reasoning out how you figure that somehow increases by a factor of 2.   You're exaggerating by a factor of 2 in both cases."


If a company is valued correctly, then paying dividends should lower the share price, and buying back shares should leave the share price unchanged.  If the share price is $100, and the company pays a $10 dividend, then either its cash goes down by $10 per share, it is has to borrow money for the same amount, or some mixture. Either way, the value of the company has gone down by $10 per share.  If the share price is $100, and the company buys back 10 percent of its shares, then it also has to find the money, just as for the dividend, and the value of the company goes down by 10 percent. However, the number of shares also goes down by 10 percent, so the amount of value per share is the same, and the share price should stay unchanged.  Now there are psychological effects. Many people like getting paid dividends, so they will want to own shares of a company paying dividends, so the share price goes up. Similar with a share buyback; the fact that someone buys huge amounts of shares drives the price up. Both effects are purely psychological.  A buyback has another effect if the shares are not valued correctly. If the company is worth $100 per share but for some reason the shareprice is down to $50, then after the buyback the value per share has even gone up. Basically the company buys from stupid investors, which increases the value for clever investors holding on to their shares. If the shareprice were $200, then buying back shares would be a stupid move for the company.


Firstly, check your visa conditions (if you're not from the EU): http://www.ukcisa.org.uk/Information--Advice/Working/How-many-hours-can-you-work You do need to register for NI, but that's apparently streamlined into registering as self-employed: How to pay N.I contributions when both employed and self-employed? (Realistically, you can almost certainly get away with doing <£50 month in cash-in-hand jobs with no paperwork whatsoever, but in the very unlikely event of being caught it could result in being deported)


I know this question is closed now, but I just found this site that people might be interested in... http://www.practicalmoneyskills.com/games/


I've had many home loans, and all have been sold to a big bank.  They have certain rules about how much insurance you need to have, but I've never had one buy insurance on my behalf - they always send letters telling me I need to increase the insurance.  They do say that if I don't get enough insurance, they will do it for me, but this has never been necessary.


Let's say I buy eggs from a farmer.  That farmer gives the money I paid him to a dentist.  The dentist buys a new car.  I work at the car factory and buy some eggs from the farmer.  The money is running around, everyone who uses it gets something he needs, everyone who gets money supplies something to someone.  I got an omelette, the farmer got his teeth fixed, the dentist has a new car. People got things they wanted from the money circulation.  Now imagine I have to pay taxes. I will not get the eggs I want to buy. The farmer will not get his teeth fixed. The dentist will not get a new car. I will lose my job because there is no one to buy a car from me.  The public sector worker who got paid with the tax money will have money to buy a car, but he won't have a car to buy, because I'm not making cars anymore. I'm not making cars because the dentist is not buying cars, he's not buying cars because the farmer is not hiring the dentist because I'm not buying his eggs.  The chain works because everyone gets something useful from his suppliers and provides something useful to his clients.  When the public sector comes in, there will be a lot of people in between who consume resources yet do not provide anything useful in return. Pay someone to dig a hole, pay someone else to fill the hole. You have money circulating, but nothing useful is being generated.  That's what taxes mean, they are a way to get people to pay for things they wouldn't pay volutarily. Taxes make people pay for things they don't really want or need.  Taxes make money disappear from the economy.


besides accrued interest But that's important. one has $40,000 in their account and the other $9,000. Does one now pay higher income tax because he has more in his account or does he pay the same because he makes the same? If they are interest bearing accounts, then yes the guy with the $40K balance will pay a little more* income tax than the guy with $9K. * If the account earns 1%/ann and the $40K and $9K have been in there all year, then the big account will earn $401.84 interest, and the smaller will earn $90.41.


You walk into the finance company with a written quote from the supplier for the equipment you want to buy. You then fill out forms and sign a promissory note. The finance company then writes out a check to the supplier for the amount of the quoted equipment. Usually you need to provide at least 3 things: They will require you to provide your social security number and sign a document allowing them to check your credit history which they will look up using the social security number. Note that banks will generally give better rates on a personal loan than a finance company. People usually only use finance companies when their credit is so bad that a bank will not loan them money. Heating and cooling companies that provide equipment will often loan the money to buy that equipment. As a point of advice, it is generally poor financial management to take out personal loans and may indicate a person that is wasting money or be in financial difficulties. For personal loan items (furniture, cars, clothing, jewelry, etc) you are far better off saving money to buy the item, not borrowing beyond your means. If you need a new furnace and it is an emergency, for example, if it were winter (which it is not) and your furnace could not be repaired, then that might justifiable. But borrowing money at a high rate to just upgrade a furnace or get a luxury like AC is unwise.


"Thank you for the response, no they didn't ask for anything from anyone, and I certainly didn't give them any information. I was very skeptical but I don't want to be close minded. They claim that they never charge anyone for their mentorship. And the fact they talked so much about pyramid schemes really put me on edge. I guess I just would like to know if anyone else knew about this ""$10 billion in revenue private company.""  I read the article you posted and I didn't get that impression. The speaker said he was donating time because he felt like that was important for himself and his wife, to give back to the community.  Anyways I will give it a chance, cautiously, and worst case scenario it's an opportunity to network. Thanks for the insight!"


If your goal is to make it harder for you to use to make impulse purchases then YES.  Having to always have cash for purchases will make you less likely to make impulse purchases you don't really need.


"Here's the slippage I was talking about - - - this is when I was trading DXO or around that time.  the ultra shares----interesting read at least.  ""Based on data from October 22, 2008 to January 26, 2009, the S&P 500 had a daily standard deviation of 3.62%.  If you were to invest in SDS, an UltraShort ETF which has the S&P 500 as its underlying index, and were to hold it for a year, you should expect to lose between 34% and 74% of your money, if the S&P 500 is flat for that period.  This assumes that there are no transaction costs, and that the expense ratio is 0% (in fact, it's 0.91%.)  My experiment also assumed that daily stock market returns follow a normal distribution.  In fact, the the distribution of daily stock market returns is leptokurtotic (it has fat tails.)  According to my mathematical intuition (the Ph.D. is in math, in case you were curious,) if I had performed the experiment with a leptokurtotic distribution, the losses would have been larger.  Obviously, this could be checked, but the results are bad enough as it is.""   http://www.altenergystocks.com/archives/2009/02/ultrapromises_fall_short.html"


I'd say yes, and hope that my anecdotal evidence serves as proof. My IRA is not a margin account. It can't be.  I attempt to create a covered call, buying a stock at say $20, and selling a call for $4, for net $16 cost. The account only had $1610 at the time, and the trades go through just fine. Yes, I needed to enter as a limit order, at the same time, a single order with the $16 debit limit.  If this is not enough proof, I'd be curious - why not? The option proceeds must clear, of course, which it does.


Modern banking is operated under central banking which is critical for maintaing a stable keynsian economy.  Without central banking the economy is prone to the boom and bust cycle typical of early twentieth industrialization.    Our money is not backed by 'nothing' it is backed by the faith and credit of the governments issuing them.  Private banks don't issue anything.  What fractional reserve banking does is say that for ever X amount of dollars you have in your vaults you can make Y amount of loans.  This ratio is set by the central bank in what is called the reserve ratio.  If the Fed sets the reserve ratio at 10% and they know the US economy has $10 trillion in circulation than $100 trillion dollars is going to eventually emerge through fractional reserve banking.  This explains inflation.  Of course the central bank could also raise the reserve ratio forcing banks to call in existing loans.  This is deflation.   Now if you're a bank and have $1 million dollars in the bank, a reserve ratio of 10% means you can make up to $10 million in loans without getting in trouble with the Fed.  If the bank makes $10 million in loans and only recuperate $9 million in loans than they fall below the 10% reserve rate ratio and become insolvent, prior to 2008 these banks would go bankrupt, but the Fed has evolved it's roll into either bailing a bank out for it to recover and learn from it's mistakes or to let it go bankrupt.  All people's deposits at these banks however are safe up to $250,000 thanks to the FDIC to protect from bank runs typical of the early twentieth century that intensified boom and bust cycles.    Please don't bring in the Federal Reserve into this unless you want me to prove how stupid you are even more.  I'm poor broke college student with nothing better to do with my time than to win internet arguments right now, you can't win.   **Too stupid, didn't read: banks need to make successful loans or they go out of business, they don't create anything out of thin air.  They just listen to whatever the central bank tells them what to do.**


I said I knew about FEIE. So what happens when you want to open a private tax-deferred pension that is common in most industrialized countries? Now you have capital gains that are not taxed. Uh oh. Oh, you want to work for yourself, have fun paying US social security even though you may never actually receive any benefit and aren't providing anything to the US, oh and that income not being counted in the FEIE. Oh you made a mistake on reporting your retirement account, the US government is now authorized to penalize you 40% of the balance of your retirement savings. That's great that you found an organization that says IRS won't use it for now, but who knows how long that will last.  But things like retirement savings and working for yourself must only be for crazy rich people, right?


Kushagra Nayan Bajaj is the great-grandson of Shri Jamnalal Bajaj and HE is the Vice Chairman of the BAJAJ GROUP and the CEO of Bajaj Sugar. In 2007, he received a young entrepreneur, He was honored as a recipient of the `Young Achiever’ award by the jury of the 10th Rajiv Gandhi Awards in August 2007. . Prior to this, India Today  and in 2011 he was nominated for the Indian government's Padma Shri award. In August 2001, Bajaj became Chief Executive with overall responsibility for operations at Bajaj Hindusthan Limited. He was later appointed Vice Chairman of the Bajaj Group.


As far as I know, there is no direct equivalent. An IRA is subject to many rules.  Not only are there early withdrawal penalties, but the ability to deduct contributions to an IRA phases out with one's income level.  Qualified withdrawals from an IRA won't have penalties, but they will be taxed as income.  Contributions to a Roth IRA can be made post-tax and the resulting gains will be tax free, but they cannot be withdrawn early. Another tax-deductable investment is a 529 plan.  These can be withdrawn from at any time, but there is a penalty if the money is not used for educational purposes. A 401K or similar employer-sponsored fund is made with pre-tax dollars unless it is designated as a Roth 401K.  These plans also require money to be withdrawn specifically for retirement, with a 10% penalty for early withdrawal.  Qualifying withdrawals from a regular retirement plan are taxed as income, those from a Roth plan are not (as with an IRA). Money can be made harder to get at by investing in all of the types of funds you can invest in using an IRA through the same brokers under a different type of account, but the contribution will be made with post-tax, non-deductable dollars and the gains will be taxed.


The test is very detail-orientated. So be thorough in your studying. As others are saying, the math is very basically tested and it is more the theory/memorization portions of the test that are important.   One tip I would give is don't study too much. This is a completion mark on your resume at best. I came away with a 96% on Exam 1 then realized what a waste of time that was. Got a 75% on Exam 2 with roughly half the studying I did for Exam 1. If you're nervous study more but honestly it's pretty straightforward


I'm guessing you're referring to your home, and that the speech therapy would take place there. I can't speak to those laws - in my case I'm selling a product so my home / workshop is never entered by customers. Wish I could help but don't want to give you bad advice.


That's because our financial sector is mainly an instrument to aggregate cash  rather than a way to foster innovation and growth. They already have so much cash in their control that other sectors are starving.  Some worthwhile endeavors are not the ones that are going to make the greatest returns, some will not show returns for a very long time. Typically these are are undertaken by the government, but the government is being reduced to a blunt object used to secure resources and markets and to protect investments.  So maybe we need a second-tier investment sector that works with longer time lines, and low immediate returns and perhaps even domestic micro-loan/grants.   /ramble


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The US didn't care about full employment, full employment was a handy side effect of the total war we needed to wage in order to win, and the economic devastation wrought in Europe and Japan in which we earned serious cash helping them out. The US cared about 1) shooting as many Japanese people as it could and 2) maintaining the global balance of power