"You'd have to check the terms of your contract. On most installment loans, I think, they calculate interest monthly, not daily. That is, if you make 3 payments of $96 over the course of the month instead of one payment of $288 at the end of the month (but before the due date), it makes absolutely zero difference to their interest calculation. They just total up your payments for the month. That's how my mortgage works and how some past loans I've had worked. All you'd accomplish is to cost yourself some time, postage if you're mailing payments, and waste the bank's time processing multiple payments. If the loan allows you to make pre-payments -- which I think most loans today do -- then what DOES work is to make an extra payment or an overpayment. If you have a few hundred extra dollars, make an extra payment. This reduces your principle and reduces the amount of interest you pay every month for the remainder of the loan. And if you're paying $1 less in interest, then that extra dollar goes against principle, which further reduces the amount you pay in interest the next month. This snowballs and can save you a lot in the long run. Better still, instead of paying $288 each month, pay, say, $300. Then every month you're nibbling away at the principle faster and faster. For example, I calculate that if you're paying $288 per month, you'll pay the loan off in 72 months and pay a total of $6062 in interest. Pay $300 per month and you'll pay it off in 67 months with a total of $6031 interest. Okay, not a huge deal. Pay $350 per month and you pay it off in 55 months with $5449 interest. (I just did quick calculations with a spreadsheet, not accurate to the penny, but close enough for comparison.) PS This is different from ""revolving credit"", like credit cards, where interest is calculated on the ""average daily balance"". With a credit card, making multiple payments would indeed reduce your interest. But not by much. If you pay $100 every 10 days instead of $300 at the end, then you're saving the interest on 20 days x $100 + 10 days x $100, so 12.5% = 0.03% per day, so 0.03% x ($2000+$1000) = 90 cents. If you're mailing your payments, the postage is 49 cents x 2 extra payments = 98 cents. You're losing 8 cents per month by doing this."


A lot will depend on wether you have in your possession the physical share documents or just numbers in your brokerage portfolio. Electronic shares are not traceable as they do not exist as individual entities. ETrade certainly knows who bought how much, but no concept of which ones. Lets say ET buys 1000 shares of Acme, their database looks like this: Now they sell 400 shares to Bob: Bob sells 200, Alice buys 100: ( skipped one transaction for brevity ) Did Alice get 100 shares out of ET's original 1000, or did she get 100 shares that were previously owned by Bob? Or 27 from ET and 73 from ET? Another, less exact way to picture the process is one share is 1ml of liquid. If you return 50ml to the pot it becomes indistinguishable from the rest.


The ABA number you speak of is more accurately called the Routing Transit Number.   http://en.wikipedia.org/wiki/Routing_transit_number A routing transit number (RTN) is a nine digit bank code, used in the   United States, which appears on the bottom of negotiable instruments   such as checks identifying the financial institution on which it was   drawn. This code was designed to facilitate the sorting, bundling, and   shipment of paper checks back to the drawer's (check writer's)   account. The RTN is also used by Federal Reserve Banks to process Fedwire funds   transfers, and by the Automated Clearing House to process direct   deposits, bill payments, and other such automated transfers. The RTN number is derived from the bank's transit number originated by   the American Bankers Association, which designed it in 1910.[1] I am going to assume that the euphemistic ABA Number has been shortened by whoever told you about it and called it the ABN.  Perhaps American Bank Number.  Either way, the technical term is RTN. Perhaps a comment or editor can straighten me out about the ABN. There is an international number known as the SWIFT number that serves the same purpose worldwide. http://en.wikipedia.org/wiki/ISO_9362 ISO 9362 (also known as SWIFT-BIC, BIC code, SWIFT ID or SWIFT code)   defines a standard format of Business Identifier Codes approved by the   International Organization for Standardization (ISO). It is a unique   identification code for both financial and non-financial   institutions.[1] The acronym SWIFT stands for the Society for   Worldwide Interbank Financial Telecommunication. When assigned to a   non-financial institution, the code may also be known as a Business   Entity Identifier or BEI. These codes are used when transferring money   between banks, particularly for international wire transfers, and also   for the exchange of other messages between banks. The codes can   sometimes be found on account statements.


They are learning the lesson of Motorola after the razr.... or put another way... after the iphone.... HTC's one big BIG product was the original EVO. That thing sold like mad.... just like the  Razr.  Moto is pulling back, so will HTC.... they make great products.


You can perfectly well manage their wealth without transferring their money into your account first. Just make them open their own account on their name then ask them for credentials and then manage their money from within their own account. That way everyone will be taxed according to their wealth (which is probably advantageous but you probably have to help them with the paperwork) and it is clear at every time what belongs to whom and your relatives can at every time access their wealth. These are big advantages (for them). This keeps you at the role of an adviser (a very active one though) which should have almost zero legal ramifications for you unless you try to deceive your relatives. You may want to shift wealth between accounts to minimize tax burdens, but that comes at the risk that should the family relations get worse this might result in anger. You could open up a registered society, all members getting shares and voting rights, making you the CEO, but that should be a lot of paperwork and maybe only a good idea for large amounts of money. If you decide to transfer money between accounts of different persons this is like a gift. It might invoke a gift tax in your area. All in all, I strongly advise you to make them all open up their own accounts and then just operate the accounts and manage their wealth in their name. Sell it to them as the solution that retains them maximum ownership.


"The real answer why the government is ""allowed"" to do something is because they are the government and they make the rules. There are lots of laws that I think make no sense. I ran into a similar situation to yours. I bought a house during a time when the market in my area was way down. The previous owner had paid $140,000 but I got it for only $80,000. The government appraised it for, I forget the exact number, but over $100,000. I appealed, and the argument I made to the appeal board was that the law says it is supposed to be appraised for ""fair market value"". The definition of ""fair market value"" is the amount that a willing buyer would pay to a willing seller, absent special conditions like a sweetheart sale to a relative. The house had been advertised for a higher price and the seller had to drop the price several times before getting an offer, and finally accepting mine. This is pretty much the definition of ""fair market value"". The appeals board replied that it was not FMV because the market was bad at this particular time and so I got a good deal. I said that that's the definition of market value: it goes up and down as market conditions change. If the market happened to be up when someone bought a house and they had to pay a high price, would the government assess the house at a lower value because that was an unusually high price? I doubt it. They ended up reducing the assessed value, but not to what I actually paid. All that said, arguably a foreclosure sale might be considered special conditions. Prices at a foreclosure sale tend to be lower than ""ordinary"" sales. In a foreclosure, the bank is usually trying to get rid of the property quickly because they don't want to be in the property-management business, they want to be in the money lending and management business. Of course you could say that sort of thing about conditions surrounding many sales. Maybe the price is low because the seller needed cash now to start a business. Maybe the price is high because the buyer was too lazy to shop around. Maybe the price is low because the buyer is a very skilled negotiator. Etc etc.  My watch just broke and while I was shopping for a new one I found two listings for the exact same watch, I mean exact same manufacturer and model number, identical picture, on the same web site, one giving the price as $24 and the other as $99. What is the market value of that watch? I presume anyone who saw both listings would pick the $24 one, but I presume some number of people pay the higher price because they never see the lower price. In real life there isn't really one, exact, fair market value. That's an abstraction."


When I was young, stupid, and drunk, I bought chips on a credit card and I recall when the bill came in there was a cash advance fee, and interest.


For estimating your take home salary, I suggest using one of the many free salary calculators available over the Internet. I personally use PaycheckCity.com, but there are plenty of others available. To calculate your allowances for the US Federal tax, you can use the worksheet attached to the form W-4.  Similar form (with a similar worksheet) is available for state taxes, on the Illinois Department of Revenue web site.


I would never recommend only using one platform, and if anyone is dependent on a single platform, even if that 'platform' is email, failure will happen. The only issue I have with email lists is that they become out of date very quickly and open rates are exceptionally low. Back in 1997 open rated were well above 85%, but now you'll be doing exceptionally well to get anywhere near 10%... it's just not when the consumers attention is. Marketers ruin everything lol


"on a vaguely related topic, I was watching COPS on television  scene:  man is arrested in the squad car, woman with black eye is saying  ""it's my fault.  I hit him over and over again.  it's all my fault""  what does the cop say?  ""**doesn't matter**, he is going to jail"


This story really misses the point of this deal. This is not an inversion fueled by tax savings. In fact, it would likely end up in very little tax savings for the new companies given the effective tax rate that BK actually pays in the US (They actually pay 27% in the US vs about 26.5% in Ontario, where Tim Horton's is now).  Headquartering the new company in Canada has a lot more to do with placating Canadian regulators. The Investment Canada Act allows for the government to block any merger it doesn't see as in the best interests of the country. Clearly, one of it's biggest and most visible companies  being swallowed up by an American firm could fit that description. Politically, it is easy to see why regulators would have an issue with that.  However, if you make the new company Canadian... then it's seen as a win for regulators.


"This is the best tl;dr I could make, [original](https://www.vox.com/energy-and-environment/2017/10/6/16428458/us-energy-subsidies) reduced by 96%. (I'm a bot) ***** > The coal industry and its allies in the Trump administration have recently devoted considerable energy to arguing that subsidies to renewable energy have distorted energy markets and helped drive coal out of business.  > US fossil fuel production is subsidized to the tune of $20 billion annually Researchers at Oil Change International set out to quantify the level of US fossil fuel subsidies, but before we get to their results, a few important caveats.  > Coal is propped up by government policy too As the charts from OCI show, direct federal tax expenditures on behalf of coal production are dwarfed by oil and gas subsidies.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/74zjgo/friendly_policies_keep_us_oil_and_coal_afloat_far/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~224192 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*: **subsidy**^#1 **coal**^#2 **plant**^#3 **fuel**^#4 **oil**^#5"


"You need to get the current tax software, the 2013 filing software is out already, even though it needs to update itself before filing, as the final forms aren't ready yet. Then you will look carefully at Schedule E to understand what gets written off. I see you are looking at the $2200 rent vs your own rent of $2100, but of course, the tax form doesn't care about your rent. You offset the expenses of that house against the income.  The expenses are the usual suspects, mortgage interest, property tax, repairs, etc. But there's one big thing new landlords are prone to forgetting. Depreciation. It's not optional. Say the house cost you $400K. This is your basis. You need to separate the value of land which is not depreciated. For a condo with no land it can be as little as 10%, when we bought our house, for insurance purposes, the land was nearly 40% of the full value. Say you do the research and decide 30% (for land), then 70% = $280K. Depreciation is taken each year over a 27.5 year period, or just over $10,000 per year. (Note, the forms will help you get your year 1 number, as you didn't have a full year.)  This depreciation helps with your cash flow during the year (as you should do the math, and if you keep the house, adjust your W4 withholdings for 2014, that lump sum you'll get in April won't pay the bills each month) but is 'recaptured' on sale.  At some point in the future, you may save enough to buy a house where you wish to live, but need to sell the rental. Consider a 1031 Exchange. It's a way to sell a rental and buy a new one without triggering a taxable event. What I don't know is how long the new house must be a rental before the IRS would then allow you to move in. The same way you turned your home into a rental, a rental can be turned back to a primary residence. I just doubt you can do it right after the purchase. As fellow member @littleadv would advise, ""get professional advice."" And he's right. I've just offered what you might consider. The first year tax return with that Schedule E is the toughest as it's brand new. The next year is simple in comparison.  The question of selling immediately is tough. Only you can decide whether the risk of keeping it is too great. You're saying you don't have the money to cover two month's vacancy. That scares me. I'd focus on beefing up the emergency account. And securing a credit line. You mentioned the tax savings. My opinion is that for any investment,the tax tail should never wag the investing dog. Buy or sell a stock based on the stock, not the potential tax bill for the sale. In your situation, the rent and expenses will cancel each other, and the depreciation is a short term loan, from a tax perspective. If you sold today, what do you net? If you analyzed the numbers now, what is your true income from the property each year? Is that return worth it? A good property will provide cash flow, principal reduction each year, and normal increase in value. This takes a bit of careful looking at the numbers. You might feel you're just breaking even, but if the principal is $12K less after a year, that's something you shouldn't ignore. On the other hand, an exact 'break-even' with little equity at stake offered you a leveraged property where any gains are a magnified percentage of what you have at risk.  Last - welcome to Money.SE - consider adding some more details to your profile."


For the requirement for risk free and hassle free account a CD or money market account through your local bank, credit union, or even large online bank will be fine. These funds won't grow very fast over time but they are safe and insured. These types of accounts are perfect for all the miscellaneous birthday, Holiday and religious event checks. There is not a requirement that the money be in a UGMA (Uniform Gifts to Minors Act) account. Putting it in a UGMA account does make it hard for the parents to spend. The IRS does allow the child to have earnings from banks without the formality of a UGMA. The money shouldn't be moved between the parent's and child's account but it is possible for the parents to spend the child's money if times are tight and the money is used for items that benefit the child. If there is a reasonable assumption of college then the 529 plan makes a lot of sense. The prepaid tuition options would be risky because they tend to be tied to a single state, and who knows where they will be living in 10 to 15 years. The 529 does focus the money to be used for educational expenses, but it can be used for non-educational expenses if you are willing to pay the taxes and penalties. It can also be transferred to another child later, or even other family members. In my state the 529 plan doesn't have to be used right after high school graduation. It can be used up to 30 years after graduation. So they can decide a few years later that they want to go back to school.


"What exactly would the financial institution need to see to make them   comfortable with these regulations The LLC Operating Agreement. The OA should specify the member's allocation of equity, assets, income and loss, and of course - managerial powers and signature authorities. In your case - it should say that the LLC is single-member entity and the single member has all the managerial powers and authorities - what is called ""member-managed"". Every LLC is required to have an operating agreement, although you don't necessarily have to file it with the State or record it. If you don't have your own OA, default rules will apply, depending on your State law. However, the bank will probably not take you as a customer without an explicit OA."


What a hoot. Fulgoni's people at comScore confirmed the impression value of search advertising years ago. Now Facebook is just catching on?  However, no one in online advertising is yet acknowledging the key truth that impressions are not all created equal. A tiny search ad's impression is nowhere near the value of a TV ad's impression.


Bond laddering is usually a good idea, but with interest rates so low, a properly laddered portfolio is going to have a higher duration that you should be willing to accept right now.        CD laddering seems like a silly idea.  Just keep whatever amount you're going to need in a Money Market account and invest the rest according to your risk tolerance.


"Basically, the easiest way to do this is to chart out the ""what-ifs"". Applying the amortization formula (see here) using the numbers you supplied and a little guesswork, I calculated an interest rate of 3.75% (which is good) and that you've already made 17 semi-monthly payments (8 and a half months' worth) of $680.04, out of a 30-year, 720-payment loan term. These are the numbers I will use. Let's now suppose that tomorrow, you found $100 extra every two weeks in your budget, and decided to put it toward your mortgage starting with the next payment. That makes the semi-monthly payments $780 each. You would pay off the mortgage in 23 years (making 557 more payments instead of 703 more). Your total payments will be $434,460, down from $478.040, so your interest costs on the loan were reduced by $43,580 (but, my mistake, we can't count this amount as money in the bank; it's included in the next amount of money to come in). Now, after the mortgage is paid off, you have $780 semi-monthly for the remaining 73 months of your original 30-year loan (a total of $113,880) which you can now do something else with. If you stuffed it in your mattress, you'd earn 0% and so that's the worst-case scenario. For anything else to be worth it, you must be getting a rate of return such that $100 payments, 24 times a year for a total of 703 payments must equal $113,880. We use the future value annuity formula (here): v = p*((i+1)n-1)/i, plugging in v ($113880, our FV goal), $100 for P (the monthly payment) and 703 for n (total number of payments. We're looking for i, the interest rate. We're making 24 payments per year, so the value of i we find will be 1/24 of the stated annual interest rate of any account you put it into. We find that in order to make the same amount of money on an annuity that you save by paying off the loan, the interest rate on the account must average 3.07%. However, you're probably not going to stuff the savings from the mortgage in your mattress and sleep on it for 6 years. What if you invest it, in the same security you're considering now? That would be 146 payments of $780 into an interest-bearing account, plus the interest savings. Now, the interest rate on the security must be greater, because you're not only saving money on the mortgage, you're making money on the savings. Assuming the annuity APR stays the same now vs later, we find that the APR on the annuity must equal, surprise, 3.75% in order to end up with the same amount of money. Why is that? Well, the interest growing on your $100 semi-monthly exactly offsets the interest you would save on the mortgage by reducing the principal by $100. Both the loan balance you would remove and the annuity balance you increase would accrue the same interest over the same time if they had the same rate. The main difference, to you, is that by paying into the annuity now, you have cash now; by paying into the mortgage now, you don't have money now, but you have WAY more money later. The actual real time-values of the money, however, are the same; the future value of $200/mo for 30 years is equal to $0/mo for 24 years and then $1560/mo for 6 years, but the real money paid in over 30 years is $72,000 vs $112,320. That kind of math is why analysts encourage people to start retirement saving early. One more thing. If you live in the United States, the interest charges on your mortgage are tax-deductible. So, that $43,580 you saved by paying down the mortgage? Take 25% of it and throw it away as taxes (assuming you're in the most common wage-earner tax bracket). That's $10895 in potential tax savings that you don't get over the life of the loan. If you penalize the ""pay-off-early"" track by subtracting those extra taxes, you find that the break-even APR on the annuity account is about 3.095%."


He actually cared about his people and let them know it by showing it.  Some of the stories that have come out about his actions are incredible.  He's sent people to college, helped sick kids and just all manner of random and very human interaction with people.


"Depends on testing. Sometimes a spot will play really broad and have four quadrant appeal. That one will go everywhere.   There's as many ad strategies as there are stars in the universe. Sometimes you use the shotgun, sometimes you use the scalpel.   A lot of comments are ""ads don't work on me, I use research"". You think marketers don't know that and influence that?"


(Also posted in r/FinancialCareers)  Hello all,  For the past few months I've been deciding on what I want to do with my career and how to progress in my chosen field. After a lot of thought, I want to get into Finance, most likely corporate finance with the end goal of Controller or CFO. Right now, I am an accounting analyst at a small company just a few years out of a B1G school with a BS in Economics. I feel that my work experience is relevant enough to land an entry level or lower level job as an analyst somewhere. My other option is to go back to school and get a MFin. I'm leaning towards focusing most of my effort on the job search option. So, I have a couple of questions:   1. Does it make sense to focus on the job search or should I add skills via grad school?   2. If you feel searching for jobs is the best route, how do I best position myself as a non business graduate to get a new role?  3. Any other advice is appreciated.  Thanks!


"They work within the system you guys created. Your desire for heavily regulated everything leads to some really fucked up incentives. These guys have no need to please the consumer, they only have to please the government. They don't have to worry about competition because the barriers to entry are so incredibly high that a good alternative has nearly zero chance of entering the market to compete with better service. Then you guys come along and go see I told you the market doesn't work lets regulate it some more. In response to that, these massive corporations (that I assure you I hate just as much), respond by merging to fight off the threat's. The Threats being both the ""customer"" and the ""government"". But only one of those can actually put them out of business. The guys who ""regulate"" them. Because they have made the rest of us a captive audience through regulatory control.   All these regulations have accomplished is to put the smaller businesses who support the majority of real people and jobs out of business.  Leaving ""government"" jobs like the military or positions that extract money from the populace like police organizations have become. They are so focused on making money and siezing property now that they are killing citizens left right and center. While avoiding real police work because it doesn't pay the bills so to speak. But maybe more of the same will be the solution to the problem. But I highly doubt it.  You should actually listen to those video's I suggested and you likely ignored. I want the same things I just want far more options, without having to become a drone. I own myself. I can not support a system which allows others to dominate me for ""the good of all"". This utopian dream where people think they ""run"" the government and that the government is accountable to the people is honestly a ""fairy tale"" at best. Everytime power is concentrated it will be corrupted. It is inevitable and dangerous to think differently. If you can honestly look at your government and feel like you control it. Then you have far more ""faith"" than I do and many others do. There is no such thing as a one size fits all solution to any problem. We need many ideas with many solutions and the right to choose the ones that best fit us and are within our means. Your rights end, where my rights begin. If that cant be sacred, then it can be turned on you, just as easily as it is turned onto the people you want to control. Forced socialism is a sentence not a solution. Figure out how to make it voluntary then I might sign up."


If those flavors are what makes the juice taste the way it tastes and in their focus group testing people thought a drink with more apple juice than strawberry juice tasted better than that's what they'll go for.. Cochineal is a dye. Is it not all just juice?


"I had to apply for an American Express card, which was also rejected.   Then I had searched for a Marbles Credit Card Stop applying for credit cards/loans. Doing so is just making your credit rating worse. Credit agencies will downgrade your credit rating if they see lots of signs of credit checking. It's a sign you're desperately looking for credit, which you are...! 44.9% APR This is very expensive credit. You can get personal loans on the high street for 3-4%. 44.9% is really bad value. You're simply going to make the situation worse. Am I taking off a loan from website as amingos loans to help me build   up my credit rating Again this is 44% interest! You also need a guarantor. So you're not only going to get yourself in trouble but a family member too: don't do this! This will only help your credit rating if you pay it back successfully, which given your situation seems like a risk. Contact the Money Advice Service or the National Debt Line. Explain your situation in detail to them. They are a government-backed service designed for people in your situation. They will offer practical advice and can even help negotiate with your creditors, etc. Here's some general advice about getting out of debt from Money Saving Expert Traditional debt help says 'never borrow your way out of a debt   problem'. But this ignores the varying cost of different debts. The MoneySaving approach is: ""Never borrow more to get out of a   debt problem."""


I assume you're looking for advice, not an actual guaranteed-to-appreciate answer, yes? If you believe Treasury bonds will increase as fast as inflation, that may be the way to go.


If I was an upside down homeowner and I went to my bank to refinance the mortgage at a lower rate and they declined, I'd give them the middle finger by not paying the mortgage and declaring bankruptcy.    A homeowner has no incentive to continue paying a mortgage for a home that is no longer the value of the mortgage and if the bank is unwilling to work with the upside down homeowner to get the home owner a lower interest rate (that is the least the bank could do) - then make the home the bank's problem and let them eat their cake.   This home owner is not asking the bank to forgive part of the mortgage or write it off, but asking for his mortgage to be refinanced at the lower rate - that is pretty straight forward and simple. We as taxpayers bailed the banks out in 2008, the least they could do is help upside down homeowners. The banks reluctance to help upside down homeowners is why we have a stagnant housing market.   **The bank by not working with this home owner to refinance his mortgage at a lower interest rate is a bank that indicates they don't care about having a paying customer.**


But the free market opted to use ssn because it was easier and available and only required 1 field versus I'd and state. Those state IDs also have variable lenghts, some have letters and others don't. If you've ever written software to handle state driver's license you know what I mean, I have and it's a mess. Theres all kinds of gotchas that you just don't have with a nationwide standard like SSN.


"You can't do this automatically; you want to understand whether the drop is from a short-term high. is likely to be a short-term low, or reflects an actual change in how folks expect the company to do in the future. Having said that, some people do favor a strategy which resembles this, betting on what are known as ""the dogs of the Dow"" in the assumption that they're well trusted but not as strongly sought and therefore perhaps not bid up as strongly. I have no opinion on it; I'm just mentioning it for comparison."


"Not sure I understood, so I'll summarize what I think I read: You got scholarship X, paid tuition Y < X, and you got 1098T to report these numbers. You're asking whether you need to pay taxes on (X-Y) that you end up with as income. The answer is: of course. You can have even lower tax liability if you don't include the numbers on W2, right? So why doesn't it occur to you to ask ""if I don't include W2 in the software, it comes up with a smaller tax - do I need to include it?""?"


No, as a director normally you can't. As a director of a Limited company, all those payments should be accounted for as directors' remuneration and have been subject to PAYE and NIC, even if you are self-employed. Currently there is no legislation which prevents a director from receiving self-employment income from a company in which he is a director, however the default position of HMRC's is that all the payments derived from the directorship are subject to PAYE. In other words, it's possible only invoice from an unconnected business or in a consultancy role that's not directly related to the trade of business. But it really depends on the circumstances and the contracts in place. Sources: Monsoon at AAT forum, David Griffiths at UKBF, Paula Sparrow and Abutalib at AW  More sources: If a person does other work that’s not related to being a director, they may have an employment contract and get employment rights. Source: Employment status as director at Gov.uk In principle, it is possible for an employee or office holder to tender for work with their employer outside their normal duties, in circumstances where that individual will not be providing service as an employee or office holder but as a self-employed contractor. Where there is any doubt about whether service is provided constitutes employment or self-employment, see the Employment Status Manual (ESM). Source: Section 62 ITEPA 2003 at HMRC


An auto title loans are typically utilized by those that wish to obtain a funding with bad credit rating or no credit in any way. An auto-mobile title lending frequently called a vehicle title lending or merely title funding as well as pink slip funding’s. You merely should have a vehicle that is paid off or nearly paid off and also you could make use of the auto title as security to obtain the cash money you require, enabling you to continue driving your vehicle while paying your loan.   Get Auto Car Title Loans Desert Hot Springs CA and nearby cities Provide Car Title Loans, Auto Title Loans, Mobile Home Title Loans, RV/Motor Home Title Loans, Big Rigs Truck Title Loans, Motor Cycle Title Loans, Online Title Loans Near me, Bad Credit Loans, Personal Loans, Quick cash Loans  Contact Us: Get Auto Car Title Loans Desert Hot Springs CA 14080 Palm Dr. Ste D # 227, Desert Hot Springs, CA 92240 760-993-3301 caratlloan4u0981@gmail.com http://getautotitleloans.com/car-and-auto-title-loans-desert-hot-springs-ca/


> But the big banks are not 'people you know'.   They are legal persons just the same as a private individual, with exactly the same rights a natural person would get when signing the contract.    Otherwise, they would never loan you any money in the first place.    > They will take from you all they can legally get (or less than legally if they can get away with it).  That sounds so human I have a hard time finding any difference to my last carpenter.    > They follow the coldly rational, impersonally merciless path of greatest profit in the most immediate term, without the slightest concern for your humanity or needs.   My humanity and needs do not exactly entice me into first making a contract, reaping all the benefits in it, and then breaking it when it becomes inconvenient to hold up my end of the bargain.  If banks lose money, some very real people lose money because they trusted me.    Besides, if banks are so evil, why would I ever do any business with them?


But cars existed before paved roads, and government doesn't actually do anything related to roads, other than use tax money to pay individual companies to build them. Police can be funded by home owner's insurance. Defense is just large scale property defense, and war only exists because other *governments* exist, who can harness the people's wealth as an unlimited ATM to fund aggression like the USSR did.


Get a lawyer. I've incorporated in Alberta without one which was fine because I'm the only employee and it's pretty simple. If you're hiring someone and especially since you have a business partner, spend the money and get a lawyer. They can help with proper contracts and stuff too.  Also, consider an accountant as well. Lots of papers to keep organized and taxes aren't always simple.  Best of luck!!


"Yep. As an ""early"" employee, you tend to end up putting in a ton of extra work as well, and needing a lot more flex than most really established companies. You're also usually tempted by flexibility, or the (increasingly wrong) myth that if you work harder, you'll reap a bigger reward. What tends to happen is that you give up huge chunks of your private life, and all too often end up getting replaced by someone cheaper down the line."


"It frustrates me that basically all ""media"" shops could be that way.  Want a CD or DVD?  Here's a kiosk; select what you want, insert a $10 note, and it burns while you wait.  Need your textbooks?  Pick 'em off a touch screen, come back in 20 minutes and collect them at a counter.  It's all technically doable, but the legal machinations to do it on a useful scale are a nightmare.  If only we could have some single rights clearinghouse that you could say ""I want to license *everything* for reproduction"" to."


"Agreed on the nausea but I find all American writing to be full of hyperbolic positivity and thus nauseating. I suppose the more accurate, ""it's a tablet sized ipod, it doesn't give blow jobs"" isn't safe for main street."


How can I use $4000 to make $250 per month for the rest of my life? This means the investment should generate close to 6.25% return per month or around 75% per year. There is no investment that gives this kind of return. The long term return of stock market is around 15-22% depending on the year range and country.


Tesla can't be valued, and its earning this year are completely irrelevant.  Will it ever sell 1M+ annual vehicles?  Even if one day 10M annual electric vehicles will be made, there is no guarantee that Tesla will maintain a majority share.  No guarantee that Tesla will acquire or prevent the patents that allows them the share.  I can appreciate respect for Musk though.  Betting for or against Tesla is like betting on the 2017 Kentucky Derby today based seeing a few promising newborn fawns.


If the FDIC didn't insure your deposit, there would be a run on EVERY bank, so there is no way the government will let it fail or go broke.  It will be backstopped one way or another.  So I wouldn't worry about losing my money.   The only worry is the hassle of having to deal with the bank failure and getting at your money and getting it out.  There could be a few days of illiquidity while the government is stepping in to sort things out.  If that scares you or would be a big problem, then I'd find a safer choice.


Romney isn't really a capitalist in the sense that he didn't place his own capital at risk.  Bain Capital was founded by a guy named Bain who launched it with $30 million of his own moolah.  Romney was recruited to run the operation but did not kick in anything.  That's not capitalism; that's called being born lucky.


That interesting. It seems like an apt building could use that for its residents. I think I saw the amount quoted at $470/month, but since there isn't a market it's probably speculative to say anything about what it would cost a consumer or group of consumers.


You dont need to know low-level programming languages. There are armies of people hired/contracted to deal with that stuff.  Your job is to use what they build to make smart decisions and look at the data correctly. So focus more on front-end tools that are used widely (e.g. Tableau) and if you insist on learning a language, it's probably better for it to be something like SQL so you can write your own database queries.  Knowing Python might help you write some scripts to automate certain tasks, but I seriously doubt it'll be a career-defining feature of your skillset in corporate finance. It'd be useful if you want to one day pivot to some kind of data science work though.


A tax liability account is a common thing. In my own books I track US-based social insurance (Medicare and Social Security) using such an account.  At the time I pay an employee, a tax liability is incurred, increasing my tax liability account; at the same time, on the other end of the double-entry, I increase a tax expense account. Notably, though, the US IRS does not necessarily require that the tax is paid at the time it is incurred.  In my case I incur a liability twice a month, but I only have to pay the taxes quarterly.  So, between the time of incurring and the time of remitting/paying, the amount is held in the tax liability account.  At the time that I remit payment to the IRS, the transaction will decrease both my checking account and also, on the other end of the double-entry, my liability account. To answer your question in short, use an expense account for your other-side-account.


"This is the best tl;dr I could make, [original](https://www.project-syndicate.org/commentary/real-estate-prices-housing-inequality-by-robert-j--shiller-2017-07) reduced by 92%. (I'm a bot) ***** > In some cities, higher-priced homes may tend to turn over more rapidly than in others.  > Some cities may be inhabited by larger families, implying bigger houses than in other cities.  > Using satellite data for major US cities, the economist Albert Saiz of MIT confirmed that tighter physical constraints - such as surrounding bodies of water or land gradients that make properties unsuitable for extensive building - tend to correlate with higher home prices.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6os52x/shiller_on_housing_prices/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~172691 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*: **city**^#1 **home**^#2 **price**^#3 **housing**^#4 **income**^#5"


>You know there are things that are out of your hands right?  Yes.  >Like the choices your parent's made, choices others make that have impacted you, etc. Can't control everything in life and your nativity to those complexities shows that you've never met or heard of people who are themselves left without many options in their life to just up themselves and find a job that actually pays a living wage.  Sure, your parents play a *significant* role in your life.  Yes. There are things out of your control.  Yes. Nothing here is an epiphany - everyone has to deal with adversity - you are still in control of your own life more than anyone else.  The point is, being a victim isn't going to get you very far in this world.


This is not a supply side issue (bank), but a demand side (small business) and there is simply no demand.  Bank CEOs have been repeating that there is just no interest in borrowing right now, they would love to lend, but businesses are not taking the loans.    Businesses are trying to firm up their balance sheets and with concerns of a recession looming most small business owners don't want to borrow and risk defaulting.


So I'll either stop shipping prescriptions or switch to FedEx or UPS -- which cost me three times what the USPS currently charges.  Um, perhaps if the USPS charged what it apparently costs (based on competitor pricing) they wouldn't have had to cut services so much.


Unless your brokerage will sell you fractional shares, the most obvious difference (without us knowing the actual identify of the companies) is that with the $260 one, you will have 3 shares plus you will have $220 minus commission left over that you wanted to invest but weren't able to simply because of the mechanics of long division. You could put that $220 into one of the cheaper stocks, but now the multiple commissions will start to eat your returns. My personal opinion is you should go for a low cost index mutual fund or ETF, and wait to pick individual stocks until you have more than $1000 to work with (and even then, probably still go with the low cost index fund)


It's a terrible company to work for in north America. I'm not even surprised.  A buddy of mine worked for then in Canada. They would hire you for a contract. By law you can only have a person in contract for 5 years. After that they must hire you full time. So what they do is tthey fire/let go ppl around the 4 year mark and re hire them shortly after (restarting the whole contract process, Cutting benefits along the way).


There is (at least) one service that allows you to convert USD, GBP and EUR at the interbank spot rate, and make purchases using a prepaid MasterCard in many more currencies (also at the interbank rate). They currently don't charge any fees (as of September 2015). You could use your US prepaid card to fund your account with Revolut and then spend them in your local currency (HRK?) without fees (you can check the current USD/HRK rate with their currency calculator); you can also withdraw to non-EUR SEPA-enabled bank accounts, but then your bank would charge you for the necessary currency conversion (both by fees and their exchange rate). If you have a bank account in EUR, you could alternatively convert your USD balance to EUR and then withdraw that to your EUR bank account. If your US prepaid card has a corresponding bank account which can be used for ACH direct debit or domestic wire transfers (ask the issuer if you are unsure), TransferWise or a similar service might also be an option; they allow you to fund a transaction using one of those methods and then credit an account in


Illustrating with a shorter example:  Suppose I deposit 1,000 USD. Every year I deposit another 100 USD. I want to know how much money will be on that savings account in 4 years.  The long-hand calculation is Expressed with a summation  And using the formula derived from the summation (as shown by DJohnM) So for 20 years Note in year 20 (or year 4 in the shorter example) the final $100 deposit does not have any time to accrue interest before the valuation of the account.


"Which was the foreign airline and what currency do they bill in? It's surprising to think there could be an FX exchange gain, after 30 days, considering the ""Thomas Cook"" high street spreads you (or your credit card company) ought to be being charged... In other words the rate would have to move at least 20% before you saw any FX gain from bid to offer."


Usually when a stock is up-trending or down-trending the price does not go up or down in a straight line. In an uptrend the price may go up over a couple of days then it could go down the next day or two, but the general direction would be up over the medium term. The opposite for a downtrend. So if the stock has been generally going up over the last few weeks, it may take a breather for a week or two before prices continue up again. This breather is called a retracement in the uptrend. The Fibonacci levels are possible amounts by which the price might retract before it continues on its way up again. By the way 50% is not actually a Fibonacci Retracement level but it is a common retracement level which is usually used in combination with the Fibonacci Retracement levels.


[A federal judge slashed 10 years off of his prison sentence of former Enron Corp Chief Executive Jeffrey Skilling on Friday, a decision that could set him free as early as 2017.](http://www.reuters.com/article/us-enron-skilling/former-enron-ceo-skillings-sentence-cut-to-14-years-idUSBRE95K12520130621)  Yes, I do.  These guys actively schemed people (including employees) out of their money and they hit the State of California very hard as well.


"A few ideas: If you can find cards that don't have fees, you could use re-loadable debit/gift cards as your ""envelopes"". You can write the purpose for each card on its face. Carrying around more than a few cards will get unwieldy fast -- how many categories do you need? Use the rewards card strategy that was recommended to you. Put all of your spending on this. Carry a slip of paper in your wallet for each of your categories of spending. When you charge against a category, punch/mark/tear off a piece of the paper according to some scheme that will allow you to track the amount. You don't have to carry the envelopes around with you all the time. You wouldn't carry around the grocery envelope all the time -- unless you often just randomly decide to go grocery shopping while you're out and about. When you are going out and know you need to have cash for a certain purpose, pull some money from your envelope, put a paper clip around it with maybe a slip of paper, and put it into your wallet. You could carry around a few different categories of money this way without too much hassle. This requires planning your spending for the day. (The best way to avoid spending money is to not have it.)"


Generally in a SWIFT transaction, there are 4 Banks involved [at times 2 or 3 or at times even 6]. The 4 Banks are Sender [Originator of Payment]; Sender's correspondent, Receiver's Correspondent, Receiver [Or beneficiary Bank] All these 4 Banks charge for making a transfer. In SHA; the charges of Sender and Senders correspondent are levied to Customer [who initiates the payment] and the Receivers Correspondent and Receiver charges are to beneficiary. In OUR all the charges of 4 Banks are to the Customer and in BEN all the charges of 4 Banks are to the Beneficiary. Or am I wrong to assume that transaction costs would be covered by that 15USD and in reality the 15USD are on top of transaction costs? As explained above it is incorrect assumption. In this case, the charges will be more. So best is go with SHA. This gives a better view of charges. On a EUR to USD transactions, there would typically be only 3 Banks in the chain. And depending on the Bank, it could also be just 2 Banks involved.


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Every product in Whole Foods has meet their quality standards which in essence means no artificial preservatives, no artificial flavorings, no artificial coloring, no hydrogenated fats, and no fructose corn syrup, amongst other minor things. This is for everything, including meats and produce. Other super markets may have some standards but none are nearly as strict as Whole Foods.


Most of them have what is known as an Admin. They are basically a modern secretary. They pre-read all emails, setup all meetings, basically run the day in/day out of the person. Then the person will sit down and answer the curated inbox or forwarded messages.


"You're right to question that. I would not respect him as much if he didn't have all that money. Business is a game and money is how we keep score. Without the money, he wouldn't be famous enough for me to hear his words. While success can come from an inherited name, luck, or dishonesty, his came from plans and execution.   I disagree with you that Thiel is not an intellectual. He may be wrong, but his thoughts on matters are complex and thoughtful. This is evident to me in interviews of him that I have seen and especially in the book that everyone knows him by ""Zero to One"". I think its a great book (obviously). It reminds me of ""The Innovator's Dilemma"" in that it seems to address a higher level of business competition dynamics. Whether you find its points valid or not, a large number of people find it uniquely insightful.  I also disagree with you that he is not a tactical heavy hitter. His last minute double-down donation to Trump was more tactical than strategic. He was supporting Trump for strategic reasons. The form, timing, and degree of his support depended largely on tactical considerations. I, and most of his peers, thought he was throwing away money. He wasn't. His feud with Gawker was for strategic reasons. His funding Hogan against them was a tactic and depended on his estimation that it was likely to succeed.   >He has shown some very good strategies but they more often than not require a lot of upfront money to be able to weather any temporal bad results. Is rather vague. I would guess you are confusing strategies with tactics."


I agree with @STATMATT.  Financial statements are the only thing that Warren Buffett & Charlie Munger read. To answer your question though, really depends on what type of investor you are and what information are you trying to extract.   It is essential for the Buffett style (buy & hold).  But if you are a short term or technical investor then I don't see it being of much value.


There are Education Training Quality Assurance bodies (ETQAs) in different sectors responsible for the accreditation of providers. Training providers would be accredited by one ETQA on the basis of primary focus. The provider would need to decide which ETQA sector the provider falls within and then which are the NQF standards or qualifications that it wishes to provide.


Let's say Tommy has a really awesome Mom. She packs Oreos with Tommy's lunch, and every. Single. Day.   You're on the school meal plan, and get that boring old doughnut or jelly from the cafeteria daily as part of your lunch plan. You would really rather have Oreos.   For some reason, Tommy hates Oreos, but has a real hankering for the cafeteria dessert of the day.   You seek out a mutual friend, and Alice, and tell her that you wished your mom was as awesome as Tommy's mom. Alice knows about Tommy's opposite predicament.   So Alice says, why dont you pass me your cafeteria dessert every day, and ill pass you a packet of Oreos in return.   Never one to turn down a sweet (pardon the pun) deal, you and Alice shake on it.   Before the day is out, Alice finds Tommy and makes a similar deal with him.   Ive just described a swap transaction. Two corporates, you and Tommy, seek out a swap dealer (usually a bank or broker) who makes two back to back transactions that offsets the position on the dealer's books. They collect a fee, in terms of the bid/ask spread that they quote to the corporations.   If you would like to know more about the details, feel free to drop a reply. I work on swap pricing daily as part of my job and would be happy to answer.


The main driver behind countries not printing themselves out of debt is the fact that it will cripple the economy, destroy citizens savings, asset valuations and piss all the countries trade partners off so much that they may stop doing business with them.  You will have a few different extremes, look at Zimbabwe as an example of a country that just prints money like no ones business.  America is essentially devaluing its currency to compete with China. That annoys the Chinese because their holdings are devalued and as such you then see people moving away from US treasuries into more stable commodities and currencies.


Currently, in the US, you won't be able to get 4% return on a risk free investment (savings account, CDs, treasury bonds). If the banking system in India guarantees your money and the cost of transferring them to India is not prohibitive, that's the safest option. Buying a house usually is only worth it if you plan to live in it for a while, 5 years or more being the commonly cited figure. Every case is different, if you rent is very high, it might be worth to buy. I suggest posting another question specifically about that with more details about your situation. If you can tolerate a bit more risk, you might want to talk to a financial adviser and invest in the stock market.


Rewards cards charge the merchant more to process.  So the card is making money when you use it.  So if your concern is for the cards going away because they are losing money... That is not going to happen because you use it too much.  If their business model has them losing money because they are giving away more rewards than they make then they are going to go away anyway.  TANSTAAFL.   If you are looking for security and the ability to access your funds when you need them then a standard savings account works great.  We have a few Credit Unions that have over 2% return while its not much it is safe and liquid and better than the Stock Market did in the last year.


Its so funny to see Americans arguing about how terrible the minimum wage would be. I'm sure all those poor billionaires/millionaires cant afford to pay their workers a few euros extra per hour. Maybe it's because all their money is in safe havens?


"I knew before I clicked that this was going to refer to Saez. I don't mean to disparage his scholarship, but he's clearly a guy with an agenda. For example, the reason this number is so outrageous is because 2010 was a *terrific* year for the stock market, and a middling to bad year for employment and wage growth. Stocks tend to be a leading indicator, while job growth is a trailing one. In fact, Saez also tries to make hay by comparing the first two years of this ""recovery"" with the entirety of the (much longer) '90's and '00's booms. If you target your analysis at years when the market has recovered but jobs haven't, of course you'll see greater income gains for the investor class.  But by that same token, Saez could have been putting out press releases for studies in 2008 showing how the rich were getting absolutely screwed by losing the lion's share of their income as the market tanked, while ordinary folks were perhaps losing only a little because the full force of job losses hadn't hit yet. But he didn't, AFAIK."


stopit and I are very happy to vote for Romney. Its pathetic how the political narrative has gotten in this country and all the undue shit the job creators have received in this country. Judging by stopit's comment, its safe to say that he supports more tax breaks for the wealthy because they desperately need it. If there is less demand and less people aren't buying things because they are lazy fuck ups and couldn't keep their jobs or their home, or refuse to pay for medical insurance and go bankrupt as a result and keep having children they can't afford then the rich need all the help they can get because no one, NO RED BLOODED AMERICAN, wants to see their wealth get reduced or leave to another country. DON'T LET THEM GO GALT. Please vote Romney.


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Hey, I'm also from [Santa Cruz.](http://www.reddit.com/r/santacruzlocals), but not the same one as you. We tried to keep McDonalds (and all other fast food) out for years, but as outsiders began to overrun our town, it became a losing battle. Damn you, Valleys!   Anyway, Go, Santa Cruz!


The only reason other than falling stock price that I can think of for it to be cheaper to buy in year 2 is that the stock price isn't in $, but some other currency and the exchange rate changed.  I don't have a finance degree or official training, just an enthusiast.


> Lack of skills - nothing. They need to learn skills to survive just like everyone else.  Is that realistic?  We have assumed these people do not have the skills to be productive for society.  Wouldn't those same deficiencies make it impossible for these people to be productive with their own, unguided, self-improvement?  Do you think your average homeless person can put together a plan to get out of him/herself out of homelessness?


Gold is not legal tender. I can't walk into Walmart and buy groceries with 1/20 ounce of gold. I can't buy a TV or car with gold. And you can't *buy* money--that's not how it works.  I can sell a barrel of oil or a whatever of copper in any currency, but that doesn't make either of them currencies in and of themselves.


Here is an IRS Publication 552 covering records retention The publication covers many areas, including proof of income, bank statements, old tax returns. There is a table that talks about how long to keep the records. In general it is 3 to 6 years. But for property it is 3 to 6 years after you dispose of the property.


These are problems of crony capitalism.  Most of our industries, especially healthcare and military are dominated by monopolies.  More of the super wealthy have found that it is easier to make money having Republicans hand them monopolies with no regulation or oversight.  This is why we have the slowest and most expensive internet in the industrialized world (other countries with government run internet have faster and cheaper).  We have the most expensive and least effective healthcare in the industrialized world because of crony capitalism.  The U.S. does not have a free market.  It has crony capitalism.


I can think of a few reasons why they seem like a bigger deal to people than similar situations with other loans. As you point out, though, being underwater on your home loan is a less serious condition than having large student loans and a poor paying job, for example.  If the student loan situation ever comes to a head, we may have people talking about student loans in hushed tones.


Broaden your job search. It's a lot easier to find a horse than a white stallion, and android jobs, while not are rare as unicorns, are a tiny percentage of the job market.


"No, you're glossing over some very interesting issues here (as did ZH... very disappointed... shocked, really).  Here's the bottom line:  due to the USA's particular brand of fucked up foreign policy, foreign relations actions in one part of the world have produced an unexpected outcome due to the USA's neglect to take care of business on the other side of the world.  That outcome was one of Russia's largest state oil companies ending up with majority ownership of an American going interest, Citgo.  Now it looks pretty fucking odd when Russia, a country currently experiencing USA imposed sanctions, ends up owning American refineries that could be used to basically make up for any economic damage (thanks, Hurricane Harvey) the state dept. sanctions might have caused in the first place.  So, Goldman S. was authorized to clean up the fucking mess by creating a ""rehypothecation event"" on Citgo's assets to which Russia will lack complete (legal) credibility.  It really doesn't get any clearer or more obvious than this.  Meanwhile, South American good will is eroding faster than Florida coastline during a global warming tipping point."


Why not use the money and pay the cards off? You say you'll have no money to your name, and while that's true, you do have $36,000 in available credit should an emergency arise. If it were me, I'd pay them off, make every effort to live on the cash I have without using credit and leave the cards open as a source of emergency funds (new home theaters are not emergencies!) until I got enough savings built up to not have to use credit at all.


The most important number on your credit card statement is not your available credit. The number you should be focusing on is your account balance.  Before the refund, you had a balance of $0. That means that you did not owe the bank anything.  You then got a $400 refund. This put your account balance at +$400 (sometimes shown on your statement as $400 CR).  This means that you have a credit of $400, or the bank owes you $400.  If you now spend $400 at a store, your balance will go back to $0.


Full boiler service give you confidence that all the gas appliances are working properly. This service is very essential, if you own commercial places such as school, hostel, resort, fitness club and others, because you’ve to deal with numerous of customers, if your gas appliances are not working properly. Keep your gadget in good working order, save your money.


The short answer is yes, losses get passed through to members. Limits/percentages do apply, primarily based on your share in the business. Check out the final post in this thread:  http://community2.business.gov/t5/Other-Business-Issues/Paying-oneself-in-a-LLC/td-p/16060  It's not a bad little summary of the profit/loss pass-through.  Regarding your 60K/60K example: the amount of money you earn in your day job will impact how much loss you can claim. Unfortunately I can't find anything more recent at the IRS or business.gov, but see this from 2004 - 40K was the limit before the amount you could claim against started to be mitigated: http://en.allexperts.com/q/Tax-Law-Questions-932/tax-loss-pass.htm HTH


**Nazism**  National Socialism (German: Nationalsozialismus), more commonly known as Nazism (), is the ideology and set of practices associated with the 20th-century German Nazi Party, Nazi Germany, and other far-right groups. Usually characterized as a form of fascism that incorporates scientific racism and antisemitism, Nazism's development was influenced by German nationalism (especially Pan-Germanism), the Völkisch movement and the anti-communist Freikorps paramilitary groups that emerged during the Weimar Republic after Germany's defeat in First World War.  Nazism subscribed to theories of racial hierarchy and Social Darwinism, identifying the Germans as a part of what the Nazis regarded as an Aryan or Nordic master race. It aimed to overcome social divisions and create a German homogeneous society based on racial purity which represented a people's community (Volksgemeinschaft).  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/economy/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.26


"0% furniture loans can hurt your credit rating. I was told by a bank mortgage officer (sorry I can't cite a document) that credit rating algorithms consider ""consumer"" loans like 0% appliance loans and certain store-specific credit cards as a negative factor, lowering your overall score. The rationalization given was that that taking that type of credit is an indicator that you have zero cash reserves. The actual algorithms are proprietary, so I don't know how you could verify this. If true, it runs counter to the conventional wisdom that getting credit and then paying it off builds your credit score."


The minimum at Schwab to open an IRA is $1000. Why don't you check the two you listed to see what their minimum opening balance is? If you plan to go with ETFs, you want to ask them what their commission is for a minimum trade.  In Is investing in an ETF generally your best option after establishing a Roth IRA? sheegaon points out that for the smaller investor, index mutual funds are cheaper than the ETFs, part due to commission, part the bid/ask spread.


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I'm confused why people are saying price and minecraft are the cause of this?  Minecraft launched nearly 10 years ago and has been very popular for a number of years. Prices have also been high for a long time.   This business had revenue growth of ~25% 2 years ago and still decent growth last year - so I don't think that those factors are the major causes.   I do wonder, after being the dominant toy for a long period, if it's not the 'must have' toy for present. Also wonder if their recent releases have been as compelling as previous ones...


Keep in mind that if you do agree to an exclusive sales agreement that your business will be at the mercy of the retailer.   They say you cut your price 10%? you do it because you have no choice. They want you to take back unsold inventory? You do it because you have no other choice. Good luck ever raising prices as well.   Depending on what you are manufacturing you could also be at the risk of the retailer white labelling your product in china and under cutting you.   Not saying it's an entirely bad idea, just be careful


"A primary author of the study, Jacob Vigdor, is apparently known to be right leaning. Combine that with the contradictory conclusions in the study such as: ""Low wage workers lost out by 4 to 1!"" and ""Employment for those under $19 went up, as well as for businesses with only one location"". Then, add this cherry on top: ""The study did not include large companies with locations outside Seattle"" (wtf?). You've got yourself one shit show of a ""study""."


If what you are paying in interest on the debt is a higher percentage than what your investments are returning, the best investment you can make is to pay off the debt. If you're lucky enough to be paying historically low rates (as I am on my mortgage) and getting good returns on the investments so the latter is the higher percentage,  the balance goes the other way and you'd want to continue paying off the debt relatively slowly -- essentially treating it as a leveraged investment.  If you aren't sure, paying off the debt should probably be the default prefrence.


"Doesn't make any difference.  Reconciling is important, but if you are constantly checking the online balance in between (because you are NOT keeping track of a running register balance) then the fact that you *eventually* ""balance"" is irrelevant...  And in fact if you're NOT maintaining a register, then you're really not ""reconciling"" (or ""balancing"") anything.... you're just looking over a bank statement and saying *""OK that looks right""*; or, as is more likely in your case saying *""Waitaminute, that's not right ... Oh, I guess I forgot about that transaction... and that one... and that other one.""*"


Have a proxy battle if you care so much about the long-term prospects of facebook or sue him for negligence.  If you've been paying attention to google/facebook/yahoo's recent massive acquisition spree recently, you either wouldn't care so much about this deal or shouldn't be in the stock if you were concerned about Zuckerberg playing venture capital.


My understanding is that all ETF options are American style, meaning they can be exercised before expiration, and so you could do the staggered exercises as you described.


As Murray Rothbard has said, it is myth that companies can get a monopoly and raise prices by themselves. They require government to do it. Government regulation, like patents, was not created to protect you from corporations, it was to protect corporations from each other. The only solution: less regulation.


> Monetizing the internet outside of advertising would be a boon to the economy and jobs....people just can't see it.  Yeah of course it would be. No one is disputing that.  > If everyone paid for things, you know like pre-internet...  Okay, junior, so how are we going to get people to pay for things?


Clawback Provision. Stock grants and options were either canceled or forfeited if they'd already been paid out. None of the execs became destitute because of it but the action was significant.  Does anybody know how this compares to other cases of clawback?


I spent a while looking for something similar a few weeks back and ended up getting frustrated and asking to borrow a friend's Bloombterg.   I wish you the best of luck finding something,  but I wasn't able to.   S&P and Morningstar have some stuff on their site,  but I wasn't able to make use of it.  Edit: Also,  Bloomberg allows shared terminals.  Depending on how much you think as a firm,  these questions might come up,  it might be worth the 20k / year


[Members of the NYPD are paid $46,288 during their first year on the force. But the pay jumps every year or half-year, reaching $90,829 at the five-and-half year point.](http://money.cnn.com/2015/01/06/news/economy/police-pay/index.html)   Old Article, but the 2x pay diff still seems to exist [LAPD ROOKIES GET DOUBLE N.Y. PAY WEST COAST WOOS COPS WITH SUN, SURF AND FAT SALARIES](http://www.nydailynews.com/news/lapd-rookies-double-n-y-pay-west-coast-woos-cops-sun-surf-fat-salaries-article-1.262685)  and then the [first tier pay for rank pay in grade](https://www.glassdoor.com/Salary/LAPD-Salaries-E135741.htm).  This doesn't include time in rank, which is significant. Which means just sitting around as a detective that pays $100K for 10-15 years means an easy $130K.  Add in mandatory court and whatever emergency and you get $150K.    Nurse pay is a bit harder, but here is base pay at [Kaiser](https://www.glassdoor.com/Hourly-Pay/Kaiser-Permanente-Registered-Nurse-Hourly-Pay-E19466_D_KO18,34.htm)


I used to like Applebee's when I was in Undergrad and Grad school... it was open late, it was relatively cheap (late night specials), and the food was better than your average college fair.   I recently went back with my SO for some nostalgia at like 8:30 p.m. and I realized very quickly that:  * Late night specials start at 10:00 p.m. - who the fuck stays out that late to eat on a weeknight?  * Food was awful, definitely went downhill from what I remember   * And it was super overpriced - like 9.99 for wings as an appetizer  GTFO here Applebee's


So, if you could not post opinion articles and people's blogs to this subreddit we could actually talk about economics. This horrible opinion piece that has to resort to calling its readers stupid before the end of the second paragraph isn't exactly academic.


Hey, can some one explain to me the diference between a direct unsub loan, direct sub loan, and especially direct plus loan.  Since I will be getting this loans for school.  I would really apreciate it if anyone could help me out here.  Also, Is it smart to get into about debt for an education as an architect from a private education?


"Here's a dump from what I use. Some are a bit more expensive than those that you posted. The second column is the expense ratio. The third column is the category I've assigned in my spreadsheet -- it's how I manage my rebalancing among different classes. ""US-LC"" is large cap, MC is mid cap, SC is small cap. ""Intl-Dev"" is international stocks from developed economies, ""Emer"" is emerging economies. These have some overlap. I don't have a specific way to handle this, I just keep an eye on the overall picture. (E.g. I don't overdo it on, say, BRIC + Brazil or SPY + S&P500 Growth.) The main reason for each selection is that they provide exposure to a certain batch of securities that I was looking for. In each type, I was also aiming for cheap and/or liquid like you. If there are substitutes I should be looking at for any of these that are cheaper and/or more liquid, a comment would be great. High Volume: Mid Volume (<1mil shares/day): Low Volume (<50k shares/day): These provide enough variety to cover the target allocation below. That allocation is just for retirement accounts; I don't consider any other savings when I rebalance against this allocation. When it's time to rebalance (i.e. a couple of times a year when I realize that I haven't done it in several months), I update quotes, look at the percentages assigned to each category, and if anything is off the target by more than 1% point I will buy/sell to adjust. (I.e. if US-LC is 23%, I sell enough to get back to 20%, then use the cash to buy more of something else that is under the target. But if US-MC is 7.2% I don't worry about it.) The 1% threshold prevents unnecessary trading costs; sometimes if everything is just over 1% off I'll let it slide. I generally try to stay away from timing, but I do use some of that extra cash when there's a panic (after Jan-Feb '09 I had very little cash in the retirement accounts). I don't have the source for this allocation any more, but it is the result of combining a half dozen or so sample allocations that I saw and tailoring it for my goals."


Here is another way to look at it. Does this debt enable you to buy more car than you can really afford, or more car than you need? If so, it's bad debt. Let's say you don't have the price of a new car, but you can buy a used car with the cash you have. You will have to repair the car occasionally, but this is generally a lot less than the payments on a new car. The value of your time may make sitting around waiting while your car is repaired very expensive (if, like me, you can earn money in fine grained amounts anywhere between 0 and 80 hours a week, and you don't get paid when you're at the mechanic's) in which case it's possible to argue that buying the new car saves you money overall. Debt incurred to save money overall can be good: compare your interest payments to the money you save. If you're ahead, great - and the fun or joy or showoff potential of your new car is simply gravy. Now let's say you can afford a $10,000 car cash - there are new cars out there at this price - but you want a $30,000 car and you can afford the payments on it. If there was no such thing as borrowing you wouldn't be able to get the larger/flashier car, and some people suggest that this is bad debt because it is helping you to waste your money. You may be getting some benefit (such as being able to get to a job that's not served by public transit, or being able to buy a cheaper house that is further from your job, or saving time every day) from the first $10,000 of expense, but the remaining $20,000 is purely for fun or for showing off and shouldn't be spent.  Certainly not by getting into debt. Well, that's a philosophical position, and it's one that may well lead to a secure retirement. Think about that and you may decide not to borrow and to buy the cheaper car. Finally, let's say the cash you have on hand is enough to pay for the car you want, and you're just trying to decide whether you should take their cheap loan or not. Generally, if you don't take the cheap loan you can push the price down. So before you decide that you can earn more interest elsewhere than you're paying here, make sure you're not paying $500 more for the car than you need to. Since your loan is from a bank rather than the car dealership, this may not apply. In addition to the money your cash could earn, consider also liquidity. If you need to repair something on your house, or deal with other emergency expenditures, and your money is all locked up in your car, you may have to borrow at a much higher rate (as much as 20% if you go to credit cards and can't get it paid off the same month) which will wipe out all this careful math about how you should just buy the car and not pay that 1.5% interest. More important than whether you borrow or not is not buying too much car. If the loan is letting you talk yourself into the more expensive car, I'd say it's a bad thing. Otherwise, it probably isn't.


Oh so you were serious. Maybe you should check out the 200b surplus Clinton left us, and the 1.4 trillion bush left us after his tax cuts. Maybe once you come up with a logical answer on if apple didn't didn't do the grand things you claim they will after they're making 20b extra a year from 5 years ago, why they would do it if they made 68b after tax cuts and not 65b like they do now?  What's a company who makes 15b now going to do when they make 17b after tax cuts that they couldn't do with 15b?   The answer is absolutely nothing. They will hoard more.


"Are there still people who keep significant amounts of money in a bank savings account? You could get ~1% by just choosing the right bank. ING Direct, for example, gives 0.8%, 4 times more than your credit union, with the same FDIC insurance! If you do want to invest in something slightly more long-term, you can get a CD. At the same ING Direct, you can get a 5-year CD with 1% APR. Comes with the same FDIC insurance. Note that I mention ING Direct just because I accidentally had their site open right in front of me, their rates are definitely not the highest right now. If you want to give up the FDIC insurance and take some more risks, you can invest your money in municipal bonds or various kinds of ""low risk"" mutual funds, which may yield 3-5% a year. If you want to take even more risks - there's a whole stock market available for you, with ETF's, mutual funds and individual stocks. Whether you should - that only you can tell. But you can have a NO-RISK investment yielding 4-5 times more than what you have right now, just saying."


There is no situation one can imagine in which the US defaults (beyond a day or three) on its obligations. The treasury can print money, and while it would be disastrous, 'monetizing' the debt would simply eliminate all outstanding debt at the risk of devaluing the dollar to hyperinflation levels.


The stock markets are closed on week-ends and public holidays because the Banks are closed. The Banking is a must to settle the payment obligations. So you may buy and sell as much as you wish, but unless money changes hands, nothing has really happened.   Now as to why Banking itself is closed on week-ends and public holidays, well a different question :) Keeping the system 24 hrs up and running does not actually push volumes, but definately push expenses for brokers, Banks etc. There definately is some convinience to buyers and sellers.


No, you were not the stupid one.    Yes many of these mortgage companies will only work with you if you are behind. . . no idea why, but I will say that yes I have seen it.   You do not have to deal with the stress. . . . working with mortgage companies is not a fun proposition, they don't know what they are doing half the time.  You can leave and move whenever you want. . . even if their payments are better now who knows how long till they can actually see the place for enough to move.    I work in bankruptcy I have seen the stresses this causes. . .  it is not fun, even if they are doing better now, try not to envy them, it is not fun.


Banks have huge amounts of foreclosure or pending foreclosure properties on their books that they haven't even listed for sale yet. The ratio is something like 6 to 1. The amount of inventory held on the books, but off the market is larger than the entire MLS market.  In a competitive market, a smart bank would try to dump their property now before the other banks do. But instead, all the banks are holding their properties off the market and trickling them out at a slow rate.  Collusion?


Not sure where you got the 296 crores figure. The data on the sheet shows activity by category of investors. In the end NET of all BUY and SELL across all categories will always be Zero. It has no bearing on whether the stock market goes up or goes down. If you compare only activity by certain category, say FII then there could be more SELL compared to BUY or vice-versa.


Many times, specific CEOs are hired by the board in part because the board members will also at times in the future possibly be in the running to be the CEO of a company, and the previous CEO's they voted for in may wind up being on the board of the company they want to be CEO of. So one hand makes damn sure it's washing the other.  It's a very incestuous process and not uncommon for CEOs of one company to be sitting board members on another.


By simplifying my hobbies, I have more time for money-saving activities such as researching deals, creating an effective coupon-clipping system, and making more foods from scratch (which doubles as entertainment since I enjoy it).  When I run frantically from activity to activity, I tend to mindlessly throw away more money, too.  By living more intentionally, I think about my purchases more as well. On the simplifying note, never underestimate the power of less stuff in terms of being able to fit into a smaller home.  That leads to less space to heat and cool, which leads to savings.  Everyone has their comfort level with less, of course, and some people love space.  There are just trade-offs to more stuff.


"What exactly do you need explained?  Short term returns show ""fat tails"" in their distribution.  Long term returns converge towards a gaussian distribution.  The authors think there's a connection between this and the ""long memory"" of volatility (i.e. that the autocorrelation of absolute volatilities also has a fat tail)."


Mental conditions such as dyslexia , dispraxia and even forms of autism commonly occur amongst the old familes in the UK . If anything they give people who have them an edge because they have to work that much harder to deal with the problems .  The UK , like a lot of Europe , has a strong emphasis on civility and social skills and , as such , anyone with mental conditions is not given a free ride . They are understood and supported but they are expected to get their act together .


For conservative  * don't mention or admit that you go on Reddit, Facebook or Twitter * get familiar with [The Drudge Report](http://drudgereport.com/) and the links they cover * do what you can to bone up on the Constitution and the recent attacks on its laws


Well, I can tell you that Micro Center has my business because they still cater to enthusiasts. Their price on my 750W PSU was lower than online prices so I drove an hour out of the way to pick it up and bought a whole bunch of other stuff on the way out. I think I spent something like $600.   As to how their price was lower than online prices, I have no idea.


You're a leader now. Your role demands it. Do everything possible to learn your strengths and build your leadership skills. When you are at work just remember your relationship is not a friend or family based one. It's business. Make that expectation clear. Communicate.


Hey thanks for your response.  The commodity is actually electricity, so definitely not able to store.  Would you mind giving me a short summary of your thought process or an example of how you compare liquid markets vs illiquid ones when looking at more traditional commodities?  If that is a bit much to ask, as I am sure it could get quite involved do you have any reading recommendations?    This little project has sparked an interest.


EShred is a proud Australian owned and operated shredding company providing secure document destruction, security bins and paper shredding services. We have years of hands on experience in the industry, visit us now if you are looking for secure document destruction.


"The snarky part of me wants to say something like ""but hey, the wealth will trickle down, right?""  However, at least they're providing some kind of gainful employment, and they're acting within regulations so...even if it ain't perfect, it's still better than all those people being unemployed."


"> the natural rights of the Jews who must live as second class citizens have certainly been lost.   Really?  What ""natural rights"" have they had removed?  They are still free to own their own property, dispose of it as THEY see fit - say by not serving Bigot Bobby when he comes into their stores.   A ""natural right"" it something that is innate to being human.  You have no natural right to shop or buy things, sorry.  > And comparing an actual church to a church-run business like a hospital (the type of business affected by the Obama legislation you allude to) is also inappropriate for the same reason.  Only because you don't want to admit that your worldview is based on he exertion of extreme force and prejudice.  The fact that anyone would defend violating people's religious beliefs is just one indication of the moral sewer we've been led into by the equal rights nonsense.  You do NOT have a right make any business owner - religious or otherwise -  do things that are against their beliefs.  Period.  > . But unless we abridge the rights of those with wealth and power to oppress others through economic means  This is left drool of the worst kind.  Wealth can only be accumulated via two methods:  Theft (which I oppose in all it's forms including yourse wherein you want to seize the property of private citizens that own businesses) and Creation Of Value (whether by goods or services).  Setting aside theft for a moment, this means that all wealth *is created because someone, somewhere  created great value for other people.  Even if I inherit money, it still came from one of these two sources.  Most importantly *it does not bleong to the public, it does not belong to the government*.  > Being FORCED to live life as a second class citizen is FAR WORSE than being forced to do business with people you prefer to shun.  Go start a business and get back to us.  You are not only wrong, you are wrong pathologically.  If a person is refused service for any reason, they can find another store, shop, or vendor.  If I refuse to comply with government do-gooding and meddling, I go to jail.  Forceful acts by government are ALWAYS far worse than forceful acts in the private sector, at least in the usual case.  > If you have any ideas about how to ensure all citizens have a realistic opportunity for success without any government intervention in the economy  This is an absurd demand.  Apparently, you did not get the memo.  THERE IS NO EQUAL OPPORTUNITY IN LIFE FOR SUCCESS.  How do I know this?  Because some people are smarter, better looking, stronger, take more risks, have better families that support them and so on.  The only way to equality of the sort the left keeps gurgling on and on about is to have everything lowered to the lowest possible common denominator.  That's how you get the cultural messes like Watts in LA or Englewood in Chicago, downtown D.C., downtown Detroit, Appalachia, and so on.  They're ""equal"" all right - equally miserable.  You'd better grow up fast on this one - some people succeeding and a few failing is WAY better than EVERYONE failing... and that's exactly where your collectivist sewer leads.  It doesn't matter what you or I think, it's observable in Reality."


This is bullshit. The US government requires taxes to be paid in USD. There's your intrinsic value. If you want to be compliant with the federal law, your business and you as an individual are required to convert assets or labor into USD to pay them.


Sounds to me like you're describing just how it should work.  Ask is at 30, Bid is at 20; you offer a new bid at 25.  Either: Depending on liquidity, one or the other may be more likely. This Investorplace article on the subject describes what you're seeing, and recommends the strategy you're describing precisely. Instead of a market order, take advantage of the fact that the options world truly is a marketplace — one where you can possibly get a better price just by asking. How does that work? If you use a limit order (instead of a market order) when opening a position, you can tell your broker how much you are willing to pay to enter a trade. For example, if you enter a limit price of $1.15, you can see whether the market-maker will bite. You will be surprised at how many times you will get your price (i.e., $1.15) instead of the ask price of $1.30. If your order at $1.15 is not filled after a few minutes, you can modify your order and pay the ask price by entering a market order or limit order at the ask price (that is, you can tell your broker to pay no more than $1.30).


I had to open a bank account in the US without having the right paperwork initially (SSN really).  All the bank asked me to do was fill in a W8 form in lieu (instead) of the social security number.


One bedding material that everyone totally loves is the bed cover as it makes your bedding tasks easier. You just need to spread it over the bedding and you will be done. Be that as it may, you can likewise do this with a great duvet cover.


"I think the question can be answered by realizing that whoever is buying the stock is buying it from someone who can do the same mathematics. Ask your son to imagine that everyone planned to buy the stock exactly one week before Christmas.  Would the price still be cheap?  The problem is that if everyone knows the price will go up, the people who own it already won't want to sell.  If you're buying something from someone who doesn't really want to sell it, you have to pay more to get it.  So the price goes up a week before Christmas, rather than after Christmas. But of course everyone else can figure this out too.  So they are going to buy 2 weeks before, but that means the price goes up 2 weeks before rather than 1 week.  You play this game over and over, and eventually the expected increased Christmas sales are ""priced in"".  But of course there is a chance people are setting the price based on a mistaken belief. So the winner isn't the person who buys just before the others, but rather the one who can more accurately predict what the sales will be (this is why insider trading is so tempting even if it's illegal).  The price you see right now represents what people anticipate the price will be in the future, what dividends are expected in the future, how much risk people think there is, and how that compares with other available investments."


Several options: Banks - ask in the branches near to you if any of them would do that. They generally only service their account members, but if you smile and talk nicely to the tellers they might do that for you. It may involve some nominal commission. Check cashing places - they're everywhere, and they carry large denomination bills. They will probably do that, but will likely charge a commission. Money orders - if you don't want to give a personal check, buy a money order at the post office, and dump the cash on them. It costs a nominal fee ($1.60 at USPS).


Chicken that's been processed to include other ingredients.  For example, we could buy a chicken product, that is partially chicken, and partially not, and use that to make our meatballs. We don't though, so it's made with 100% chicken.   I get how the end result is similar, but it's a separation of processors. Our meatballs include bread crumbs, cream, onions, etc., and are hence not 100% chicken, but our input is chicken (and our product 97.6% chicken).


Do you have a spouse? You can contribute to a spouse's IRA if you guys are filling a joint tax return


Health insurance varies wildly per state and per plan and per provider - but check them out to have a baseline to know what it should cost if you did it yourself. Don't forget vacation time, too: many contract/comp-only jobs have no vacation time - how much is that 10 or 15 days a year worth to you? It effectively means you're getting paid for 2080 hours, but working 2000 (with the 2 week number). Is the comp-only offer allowing overtime, and will they approve it? Is the benefits-included job salaried? If it's truly likely you'll be working more than a normal 40 hour week on a routine basis (see if you can talk to other folks that work there), an offer that will pay overtime is likely going to be better than one that wouldn't .. but perhaps not in your setting if it also loses the PTO.


I just got a degree in economics. Not that it makes me an unparalleled expert, but I do believe that many of these graphs are misleading and readers should be wary. The scales on the chart are not consistent, even in regards to stats the author purports to be comparable (example: the scale on the debt of households, corporations, and government are vastly different). The government not being bloated argument begins with an analysis of how there are (supposedly) not a crazy number of government employees. But this would appear to leave out *military contractors, and perhaps even some soldiers*. These are artificially created jobs paid for by tax dollars that ought to be lumped into a fair analysis of the total number of government employees. That's just to get started on my criticisms.  Edit: a word


I don't know why this is news, it's been possible for quite a while.  A layer 7 firewall which filters certain types of traffic going outbound from the wireless guest network.  A block page upon filtering that contains approved links for which the user can shop.  A DNS proxy or even just the DHCP option to point the wireless network at the internal DNS of the store would point any name that the store wanted at its own domains.  The average user doesn't know enough to not accept that infamous security warning indicating a non-matching certificate to domain name matching.  And that only assumes the user goes to an https connection.  If the company really wants to release themselves of any responsibility or liability, to get on the network they could require the user to accept and acceptable use policy which states, among other things, use of the wifi is at the sole discretion of the store as they are providing a free service.         Really not hard.


"The likely reason the mortgage is ""tricky to get"" is the adviser is probably recommending an interest-only mortgage in which there is no repayment of principle before maturity.  That would allow you to deduct the amount of the interest expense from your taxable income.  Your investment grows compound tax deferred and the principal invested (the mortgage balance) is completely tax free since it never qualifies as income for tax purposes. Example ideal scenario: Refinance $100,000 on a 5/1 ARM-interest only at 3%.  Invest the $100,000 at 6%.  Each year you effectively pay taxes on only the gains greater than interest.  If you reinvest the profits it looks something like: Net Profit:    $12,309 Effective Tax Rate:  13.21%"