"Fool's 13 steps to invest is a good starting point. Specifically, IFF all your credit cards are paid, and you made sure you've got no outstanding liabilities (that also accrues interest), stock indexes might be a good place for 5-10 years timeframes. For grad school, I'd probably look into cash ISA (or local equivalent thereof) -the rate of return is going to be lower, but having it in a separate account at least makes it mentally ""out of sight - out of mind"", so you can make sure the money's there WHEN you need it."


Care to explain why? A monopoly exists when a single firm is the sole producer of a product *for which there are no close substitutes.* While they may become one producer of *web-app enabled ride sharing from drivers in their own vehicles*, there is not one producer of on-request ground transportation. I've traveled cabs, black cars, shuttles, car share services, and used uber and lyft. If lyft dies, I still have dozens of other options. It would be like saying that if there is only one cab company that rents electric cars that they're a monopoly. Yeah, they might be the only one that rents electric cars, but they have many close substitutes (every other rental car company).  So they're not the single seller. Uber would not be able to fix the price in the market because of these other options. They also do not establish a high barrier to entering the market, except for the barrier of name recognition and competition. They cannot control the quantity of the product put into the market. They meet none of the qualities of a monopoly.  They *could*, however, become a part of an oligopoly, but one could argue that this already existed in ground transportation. If anything, Uber has opened up the market for competition by fighting against regulations that have restricted entry into the market for themselves, benefitting others with a similar model. No one would be crying if Uber garnered such a following that they out-performed Discount Cab, leading to its demise; Lyft is no different.


"Call me crazy, but doesn't this take us from the realm of *civil* damages, into seeing execs frog-marched into police cars?  Obama may not have gotten his 30-day requirement into law, but [most states follow](http://www.ncsl.org/research/telecommunications-and-information-technology/security-breach-notification-laws.aspx) California's data breach standard; sorry, residents of Alabama and South Dakota, you'll have to take comfort from the shadows when the latest NY AG moves to make a name for himself.  / Hmm, ""Eric Schneiderman""... Nope, I don't see any penis jokes there, he's safe."


I would prioritize paying off the heloc first.   Paying off the heloc has a guaranteed rate of return and will reduce the size of savings cushion you'll need in the future. However, you shouldn't assume your heloc funds will remain available indefinitely.   If you read your fine print, you are not guaranteed access to your unused credit by the bank.  If you lose your job or your home value significantly declines, the bank could refuse to let you take more money out on your heloc.   Recently, I've seen people's available credit be reset to 0 on open helocs by banks trying to reduce their exposure.   Planning on the future of available credit via a heloc is not a good safety net.


It is important to choose a carpet cleaner that delivers industry leading carpet cleaning results, excellent service and with years of experience. Electrodry has been cleaning carpets in Adelaide for almost 20 years servicing over 10,000 customers in Adelaide every year.


Accenture has several levels of partner. I'd be really surprised if it topped out at 250k because that's not very much even for a public company and also doesn't fit with the lifestyle of a few partners. I googled around a bit and there was an AMA on (of all places) reddit about a year back from somebody claiming to be a partner at Accenture, who reported 300k for a new partner, up to 1M+ for more senior ones (excluding equity) which actually sounds more reasonable to me.   Second observation: higher partner compensation does not systematically imply higher bill rates. Private companies doesn't pay dividends, for example, and partner compensation is not the only expense. Bankers in public banks can make that much and none of them are partners - viz. UBS & co. (performance-based bonus at Accenture for non-partners - and Senior Executives are not necessarily partners - can reach 20k, no problem. Hell, a consultant might make almost that)


Privatization and outsourcing  of knowledge is much cheaper than in-house economies of scale... wait, what?   When this grand experiment is proven to not be the panacea of the business world's quest for cost reduction, we'll all look back and laugh at how silly these guys were.  It's like saying it's cheaper for a family of four to eat out three times a day, seven times a week (at restaurant that serves food with quality comparable to home cooking) than it is to cook at home. We all know home cooked meals are more cost effective unless you're eating the bottom of the barrel fast food, even then, externalities of health and well being make the savings questionable.


"The Dutch tax office is pretty decent, although slightly overburdened. Don't expect a lot of help, but they're not generally known for making a lot of problems. Digital copies are fine, for instance. They will send you your first VAT notice. You probably would have known if your company would have been incorporated, so I'll assume you're just trading as a natural person. That means you still have to file VAT returns, but the business income is just filed annually as ""other income"".  For the VAT part, you'll need to invoice your customers. Keep a copy of those invoices for your own bookkeeping, and keep track of the matching customer payments. Together these form the chief evidence of your VAT obligation. You also have a VAT deduction from your purchases (it's a Value-Added Tax, after all). Again, keep receipts. The usual VAT period is 3 months, so you'd pay VAT 4 times a year. But if you would pay less than 1883 euro, you might not need to pay at all and just need to file annually The income part is easy with the receipts you had for VAT purposes anyway. Dutch Tax Office, VAT, in English"


You can't control the number of special interest groups.  You can't control their stubbornness, animosity, or lack of foresight.  What you can do is limit how and when special interest groups can press their views.  Create a new team whose whole job is to field lobbying before it gets to congress.  They see all the new bills, etc. and boil them down to simple terms, pros, and cons, before presenting them to congress.  The final version must also be signed off on by the lobbying party before it is presented.  You need a second party in this group:  The Devil's Advocates - a group that is REQUIRED to argue against EVERY proposal.  The whole reason for this group is to ensure that no proposal passes without contest.  You need a group whose whole goal is to identify the impact of each proposal, and return the findings to fielders.  They also require a devil's advocate.  When the final proposal is signed off on, then the fielding group presents it to congress, not the lobbyists or their supporters.  The funding for these groups comes directly from the lobbyists, who must finance their bill through congress, unless special exception is made.  If a ton of special interest groups want to get their form in, they must wait their turn in line.  The less work the fielding group has to do to clean up their request, validate it, and discover the pros and cons, the faster the lobby request will go through.  This is just a rough idea off the top of my head.  What are the issues you see with it?


"Something to note is that when a company announces a share buyback program there is usually a time frame and amount of shares that are important details as it isn't like the company will make one big buy back of stock generally.  Rather it may take months or even years as noted in the Wikipedia article about share repurchases. Wikipedia covers some of the technical details here but to give a specific set of answers: When a company announces a share buyback program, who do they actually   buy back the shares from?  From the Wikipedia link: ""Under US corporate law there are five primary methods of stock repurchase: open market, private negotiations, repurchase 'put' rights, and two variants of self-tender repurchase: a fixed price tender offer and a Dutch auction."" Thus, there are open market and a couple of other possibilities. Openly traded shares on a stock exchange?  Possibly, though there are other options. Is there a fixed price that   they buy back at? Sometimes.  I'd think a ""fixed price tender offer"" would imply a fixed price though the open market way may take various prices. If I own shares in that company, can I get them to buy back my shares? Selective Buy-Backs is noted in Wikipedia as: ""In broad terms, a selective buy-back is one in which identical offers are not made to every shareholder, for example, if offers are made to only some of the shareholders in the company. In the US, no special shareholder approval of a selective buy-back is required. In the UK, the scheme must first be approved by all shareholders, or by a special resolution (requiring a 75% majority) of the members in which no vote is cast by selling shareholders or their associates. Selling shareholders may not vote in favor of a special resolution to approve a selective buy-back. The notice to shareholders convening the meeting to vote on a selective buy-back must include a statement setting out all material information that is relevant to the proposal, although it is not necessary for the company to provide information already disclosed to the shareholders, if that would be unreasonable."" Thus it is possible, though how probable is another question. While not in the question, something to consider is how the buybacks can be done as a result of offsetting the dilution of employees who have stock options that may exercise them and spread the earnings over more shares, but this is more on understanding the employee stock option scenario that various big companies use when it comes to giving employees an incentive to help the stock price."


That would be lead to eveeel and wasteful litigation.  Youre basically making a pro contingency fee structure argument.  Those incentives exists in private rights of actions which have been whittled away.  Look at the result.


>I always thought of it as a starting point before you gain skills to live on your own.  You thought wrong. That's what conservatives have tried to push.  As initially discussed by FDR:  >In his 1933 address following the passage of the National Industrial Recovery Act, President Franklin D. Roosevelt noted that “no business which depends for existence on paying less than living wages to its workers has any right to continue in this country. By ‘business’ I mean the whole of commerce as well as the whole of industry; by workers I mean all workers, the white collar class as well as the men in overalls; and by living wages I mean more than a bare subsistence level — I mean the wages of decent living,” he stated.


So to sum up, a Keynesian would suggest that the way out of this economic malaise is to incur more public debt now to make up for the fact that the private sector is paying down its way-too-high debt.  And you suggest that the way out is to produce more cheap electronics in this country by cutting taxes and regulation? I bet ending unions would probably help, too.


Smallest risk of default would depend on where Alice and Bob live I suppose, but lets assume they are in a lower yielding nation where default is not a big concern.  Remember for instance that Greece was a lower yielding nation at one point and that the US has defaulted before. Let's start with Bob because he is easier to analyze.  Yield curves inversions generally pre-date recessions which is generally not so good for Bob as rates tend to drop during recessions and he will be at the short end of the curve so his bonds will be less sensitive.  However, he will generally get higher yields in good times to make up for this, but these higher yields come with a price in that he is generally much more sensitive to yield changes and can get much larger swings in portfolio value. First off as JB mentioned Alice would likely own inflation-linked (IL) bonds.  Which behave fairly differently from Bob's bonds. However, to keep this simple lets say they live in a place without IL bonds or IL bonds are not a consideration.  Then generally Alice has lower yielding bonds in good times but may do very well when the fed steps in during a crisis. So, who wins in the long run?  Likely Christi who owns a mix of a broad index of stocks and bonds in a risk mix where she wouldn't have to sell in downturns.  Especially, as Christi wouldn't have to pay the trading costs of moving her whole portfolio between long and short bonds.  Between Bob and Alice however Bob would likely win in the long run as the markets generally reward risk taking in the long run.  Still inflation (even without the IL bonds) and general rate trends (long-term rates are historically low right now) could have Bob losing for uncomfortably long periods.


If I were you, I would go to the bank right now, pay the $100 and close the account.  I would stop the bleeding first then consider the fallout later.   Do you own the account jointly with your partner(s) as a partner or does the partnership (a separate formal entity) own the bank account with you a named representative?  Those are two very different situations. If you're a joint owner, you're liable for the fees; along with your other partners in accordance with your partnership agreement.  You never closed yourself off the account and that's your problem. If the dissolved partnership owns the account, you're not personally liable for the fees.  You were never a personal owner of the account, now that the account is negative you don't magically become personally liable. The differences here are very nuanced and the details matter.  If this were a large amount of money I'd suggest you go see a lawyer.  Since this is about $100 I'd just pay it, make sure the account is closed, and move on.


The key here is the bank, they hold the title to the car and as such have the final say in things. The best thing you can do is to pay off the loan.  Could you work like crazy and pay off the car in 6 months to a year? The next best thing would be to sell the car.  You will probably have to cover the depreciation out of pocket.  You will also need to have some cash to buy a different car, but buy it for cash like you should have done in the first place. The worst option and what most people opt for, which is why they are broke, is to seek to refinance the car.  I am not sure why you would have to wait 6 months to a year to refinance, but unless you have truly horrific credit, a local bank or credit union will be happy for your business.  Choose this option if you want to continue to be broke for the next five years or so. Once any of those happen it will be easy to re-title the car in your name only provided you are on good terms with the girlfriend.  It is just a matter of going to the local title office and her signing over her interest in the car. My hope is that you understand the series of foolish decisions that you made in this vehicle purchase and avoid them in the future.  Or, at the very least, you consciously make the decision to appear wealthy rather than actually being wealthy.


>You seem to have missed half the plan. My suggestion to not charge back hours is meant to work with the idea of giving each department a budget in terms of hours.  And what do you do with the department that uses up its budgeted hours by say... July or August?  Do they get to simply ignore that they have gone over budget? (In which case, what use is the budget.)   Ooops (guess you missed that little complication).


The spread is two trades, one of which opens up some risk one of which limits/cancels the risk.  There is nothing stopping you from selling part of the spread opening the door to the risk.  You're required to have a margin account to open risky positions, even if the specific spread trade you're attempting to open has a risk limiting/cancelling counterpart.


Sure let's say we're starting with the equity value of a public company. Fully diluted shares times market price. We add debt and subtract all cash to give us enterprise value. Calculate a multiple on that. Look what we did up there, we subtracted out all cash. The DCF approach assumes we have an operating level of cash when it calculates a value. You're saying that the DCF spits out an enterprise value. It cannot be an enterprise value if the DCF approach assumes we hold cash. We would have to subtract out an operating level of cash from the DCF concluded value to compare it apples to apples to the cashless enterprise values we derived from the market approach multiples.


Girls love to [Buy Designer Hangbags Online](http://www.dianaekelly.com) and purses in formal also as informal events. They’re now a required fashion accessory, and girls prefer to buy bags that are complimentary with their wardrobe and personality. Bags can now be purchased at auctions, since celebrities often place their collections up for auction.


"If you are wanting to teach your kids basic accounting principles there is some good stuff on Khan Academy. However most of the stuff takes practice to really make it hit home and its kinda boring (Especially to kids who may or may not care about it). Maybe if you help them set up an account on Mint so that they are at least aware of their finances. Think it also has a heap of videos you can watch that teaches basic personal finance. If you actually want them to understand the techniques and methods behind creating & maintaining a personal ledger/journal and reconciling it against a bank account you are getting into what undergraduates study and there are plenty of first year textbooks around. Look around for a second hand one that is a few revisions old and they are usually dirt cheap (I scored one for only a dollar not that long ago). I feel like the mindset is what matters most. Journals and all that jazz are easy if you have the right mindset. That is something that you really have to demonstrate to your children rather than teach. Meaning you yourself keeping your finances in order and showing them how you organise and file your bills/ credit cards etc. (So they learn the importance of keeping financial records; meaning in the future when its talked about it doesn't fall on deaf ears) Emphasize the whole ""living within your means"" because even if they don't understand bookkeeping or learn anything else at least their finances won't turn out too bad."


If it's long enough to make a pitch that seems like it can't be that short. I don't like that Uber is calling and canceling rides, but I don't think they are responsible for determining how long a ride must be in order for it to be profitable for Lyft.


Take pics of your happy customers and show them to potential new customers.  Also have a guest book for people to sign with their reviews.  ONLY let tourists sign this book.  It would be obvious if you had non native english speakers try to write reviews in there.


Best advice is to ask your lender.  That being said, if you are changing jobs, but keeping the same type of job you are usually ok and if the loan was approved before, it would still be approved. If you switch from W-2 to 1099 or vice-versa, permanent to contract, switch industries (software dev to accountant), or make less money there is a strong risk of the loan being declined.


It's not just about price. Uber and other rideshare companies provide several other things better than cabs:  * However they do it, whether monitoring GPS or sensor data from the phone, rideshares incentivize drivers to accelerate and brake gently, as well as go the speed limit. Cab drivers, in my experience, drive like assholes. * By using the star rating system, rideshares incentivize drivers and riders to act like civilized people. Cab drivers, in my experience, don't give a shit. * By charging for time as well as mileage, rideshares incentivize drivers to take their time and get people where they want to be. Cab drivers, in my experience, want people out of the car as quickly as possible so they can get to their next fare. * Rideshares made it an effective part time job as well as a full time job. A driver can pick their own schedule and drive when they're available. One can make a living or just make some extra money.  And my description of their business model is correct. Again, it's not just pricing. The medallion system ensures that a driver starts out in debt. It is a barrier to entry. It also ties a driver's retirement to a supply/demand market of a commodity. It's an artificial barrier that blocks supply/demand of people willing to fill the role in a market. All of this allows cab companies to charge whatever they bloody well please and pay their drivers shit wages, which is probably the reason they drive and act like assholes.


Pay to play in business is normal and completely ethical.  You want to be in the Yellow pages, you have to pay.   You want to be associated with an elite group of like businesses and share leads, you have to pay.   You want to be in the Chamber of Commerce, you have to pay.  There's tons of businesses that are in invite only groups that cost $10,000+ a year and $300 a month just for sharing leads and those leads are worth the cost.


>There exists plenty of demand in the US economy right now      No, there isn't. Too many people are paying off their debt and not buying anything. The hunter isn't buying many apples because he's busy paying off his debt to the bow maker.


You should contact Chase and ask them. As long as it's not on your account - it hasn't arrived.


No, he was lucky there are universities where he can earn a degree and learn useful things.  He's lucky he never got murdered by someone desperate for food.  He's lucky there were roads to help him go all the places he needs to go.  He was lucky there were companies where he had the opportunity to network, that there's an economy where such things exist.  He's lucky the modern world *exists*.    But no, he did it all by himself.


Well I think it's a combination of all options is required.  I agree that the focus needs to be on developing products - alternatives - to replace our  petroleum-based products. We should not however ignore energy efficiencies wherever these are possible. Conservation of energy is also a huge part of reducing our use of fossil fuels.


"Touche. But you still have to at least *know* how to open a paint can..... and for any ""millennials"" reading it usually involves a hammer. It sounds complicated I know but I'm sure there's a utube video posted that will explain all the details. If not they can also sell you a special tool. /Insert your own joke here/ For opening."


I wouldn't like to say either way what you should do, not being an financial advisor or lawyer, but I did find an interesting article on nytimes.com: Walk Away From Your Mortgage!  that you might also find helpful to frame your decision. It has some interesting information on defaults, it says this: Mortgage holders do sign a promissory note, which is a promise to pay. But the contract explicitly details the penalty for nonpayment — surrender of the property. The borrower isn’t escaping the consequences; he is suffering them. In some states, lenders also have recourse to the borrowers’ unmortgaged assets, like their car and savings accounts. A study by the Federal Reserve Bank of Richmond found that defaults are lower in such states, apparently because lenders threaten the borrowers with judgments against their assets. But actual lawsuits are rare. And given that nearly a quarter of mortgages are underwater, and that 10 percent of mortgages are delinquent, White, of the University of Arizona, is surprised that more people haven’t walked. He thinks the desire to avoid shame is a factor, as are overblown fears of harm to credit ratings. Probably, homeowners also labor under a delusion that their homes will quickly return to value. White has argued that the government should stop perpetuating default “scare stories” and, indeed, should encourage borrowers to default when it’s in their economic interest. This would correct a prevailing imbalance: homeowners operate under a “powerful moral constraint” while lenders are busily trying to maximize profits. More important, it might get the system unstuck. If lenders feared an avalanche of strategic defaults, they would have an incentive to renegotiate loan terms. In theory, this could produce a wave of loan modifications — the very goal the Treasury has been pursuing to end the crisis.


In principle, the US taxes both income and gifts. Simply thinking good thoughts is not necessarily sufficient to avoid filing or payment obligations. Giving somebody money with no repayment date, no interest, and no enforceable note looks an awful lot like either income or a gift. A loan normally has interest, money sitting in a savings account is insured, and other investments generally have an expected return.  Why would somebody give a loan with no interest, with only flexible or informal payment expectations, in a way where it has neither deposit insurance nor any expectation of net returns?  That looks a lot like a gift - at the very least, a gift of the time value and the default risk. The IRS definitely polices loan rates. The latest release is Revenue Ruling 2014-13. The AFR is useful for tax concepts such as Original Issue Discount (when issuers sell low-interest or no-interest bonds or loans at less than face value, attempting to recharacterize interest income as return of principal), various grantor trusts (e.g. GRATs), and so forth.  It's a simple way for the IRS to link to market rates of interest. Documentation and sufficient interest, as well as clear payment schedule (and maybe call or demand rights) make it a bona fide loan.  There is no real way for the IRS to distinguish between an informal arrangement and a post-hoc lie to conceal a gift.  Moreover, an undocumented loan is generally difficult to enforce, so it looks less like a true loan. The lender declares the interest payments as income on his Form 1040, line 8a and if necessary Schedule B.


Matt Levine talked about a cute scam that this resembles, a kind of extended short squeeze. You manipulate up the stock of a company, so that it's obviously way above the fundamental value. Word will get out. Then the shorts come in. But the value remains stubbornly high. All the stock is held by a few insiders, but they didn't manipulate the stock price to do a pump and dump. They did it to milk the shorts on borrow cost.


I'm a seller of large items on Amazon. Had a customer buy and return the item because he ordered the wrong size shelf.  Shipped it back damaged, full refund for the buyer, amazon refused to even take my claim seriously. cost me hundreds, going to be closing my account if it happens again. Amazon is the worst seller marketplace out of all the ones I use.  I'm not going to held hostage to their BS!


"Nobody has consistently doubled their investment year after year, not even the ""greats"" like George Soros and Warren Buffett. Mr. Buffett's average annual returns have been over 20% for over 50 years. That's about twice the American average of 10%-11% a year. So Mr. Buffett has been ""twice as good as average"" for his adult life. That's like having a 200 IQ. And in a poll taken in 2000, he was rated the greatest portfolio manager of all time. No lesser person could hope to do better. What has happened is that people may double their investment in ONE year, then ""give some back"" the following year. Or else go through several years of ""average"" 10%-15% returns. The reason is that they will have an investment style that works for one particular market, but not for all markets, so they will have to wait for their ""best"" market, to have their ""best"" year."


"Cultural Marxism has nothing to do with Marxism, it's a misnomer. It's not even a real thing. He probably means the ""Frankfurt School"", which is a bastardized ""Marxism"" stripped of everything that makes Marxism *Marxism*. It is opposed to every Marxist state that ever existed or currently exists. It's a purely academic, useless philosophy that scooped out the organs of Marxism, tossed them aside, and put on its skin.  In other words it has nothing to do with this article, since this article is about Marxism not the ""Frankfurt School""."


Geloman's Indian Spares give the offer great service of Indian motorcycle with quality work that is great value for money. All our workmanship is guaranteed and we honor any guarantee provided with any part that we supply. The bike lover the to see if he could handle Indian 338 motorcycle, and clearly she could, but she wasn’t that interested in becoming a rider. Anything that’s not a cruiser will demand extensive research and development costs, and Indian motorcycle.


"Are you trying to say that when hiring a Chief Information Security Officer, people with IT degrees and background are less desirable than music majors?   And, yes, there are people with un-related degrees who are ""experts"" in another field, but with 98% certainty, they learned their ""expertise"" from many gray real experts with IT degrees who work for them.  In other words, those ""experts"" repeat and say things in a more presentable way than any real techie expert can say or present.  Good example is Steve Job: terrible product ideas and design (Lisa, Newton, Macintosh, Next, etc) and all his success stories TOTALLY came from the hard work of others (Steve Wozniak with Apple II, iPod, iPhone, etc). But sure he can present and market things."


"As THEAO suggested, tracking spending is a great start.  But how about this -  Figure out the payment needed to get to zero debt in a reasonable time, 24 months, perhaps. If that's more than 15% of your income, maybe stretch a tiny bit to 30 months. If it's much less, send 15% to debt until it's paid, then flip the money to savings.  From what's left, first budget the ""needs,"" rent, utilities, etc. Whatever you spend on food, try to cut back 10%.  There is no budget for entertainment or clothes. The whole point is one must either live beneath their means, or increase their income. You've seen what can happen when the debt snowballs.  In reality, with no debt to service and the savings growing, you'll find a way to prioritize spending. Some months you'll have to choose, dinner out, or a show. I agree with Keith's food bill, $300-$400/mo for 3 of us. Months with a holiday and large guest list throws that off, of course."


Banks should be risk averse by default. They make loans to people and businesses after measuring their ability to repay.  After they approve a big project loan like an apartment building, they don't give all the money to the builders upfront. They give money as progress is made and they make sure the funds are not being used inappropriately. There's no reason they couldn't do all this while owning the project, but that would also open them to lawsuits later on if anything wasn't built to code. By keeping the project at arm's length, they avoid future liability.


Home Depot doesn't cull their lumber with anywhere near the frequency of Lowe's either. I only have a Home Depot near me right now and if I need lumber, I always open a fresh bundle because none of the loose stuff is going to be worth using.


">It's secret so that it can't be torpedoed by politics while in the negotiation process.  That argument is dissected quite well in this article about ISDS.:  [Commission ISDS reform plan is an echo chamber of business views](http://corporateeurope.org/international-trade/2014/07/commission-isds-reform-plan-echo-chamber-business-views)  These deals are NOT about trade, they are about the big corporate donors getting things - lots of bad things- which they could never get in legislation. A laundry list of very bad deals for the people of all these countries all rolled into one.   The previous trade negotiator admitted that they were secret because there are lots of things in there which the American people would not want.   For example, all three of the ""agreements"" contain provisions that effectively make real single payer health care impossible. That will limit state efforts to ones that lose lots of money.     They try to freeze all ew chemical and environmental regulations, overruling state laws and chemical disclosure food safety, and labeling requirements. They try to continue to deregulate banks and fiancial instruments, increasing the risks not just of disasters - also of disasters that the US taxpayer will be asked to pay for.   I'm now hearing something about new traps which will send much of the whelling and dealing to London, however they could still put the US taxpayer on the hook for their huge losses - of EU banks, similar to the Cyprus and the EU situation.   Check out http://ttip2014.eu  and http://www.world-psi.org/en/psi-special-report-tisa-versus-public-services also"


Technology comes from researching and testing when you've run out of technology that you can just copy, as you say. Which is why many developing economies can [grow](https://en.wikipedia.org/wiki/List_of_countries_by_real_GDP_growth_rate) quite quickly regardless of their [research spending](https://en.wikipedia.org/wiki/List_of_countries_by_research_and_development_spending)- new technology is basically given to them via FDI.


Yeah man, was basically just screwing around.  Day-trading stocks is a bit different for me.  I usually trade options.  Taking a bit getting used to.  Not to mention, I probably lost a good bit on spreads.  I made all market orders lol.


No, it's like a kid asking for a cookie - of course the kid asks for the cookie. Kids are short-sighted, irresponsible, and focused on instant gratification. The problem isn't the kid asking for the cookie, it's when Mom, who is *supposed to be* responsible and in charge, gives the kid the cookie when the kid shouldn't be having cookies.  Lobbyists asking for modifications to tax & legal code - fine. There's nothing wrong with asking. Sometimes the ask is a good one.  Legislators & regulators agreeing to the modifications to tax & legal code - 100000000% their responsibility. The onus is on the PERSON IN CHARGE to exert their power and control, and not do the stupid thing.   Why do you people blame the companies or lobbyists but exonerate the legislators & regulators who are **ACTUALLY RESPONSIBLE FOR ALLOWING THESE THING TO HAPPEN!?**


"Not really, no. The assumption you're making—withdrawals from a corporation are subject to ""[ordinary] income tax""—is simplistic. ""Income tax"" encompasses many taxes, some more benign than others, owing to credits and exemptions based on the kind of income. Moreover, the choices you listed as benefits in the sole-proprietor case—the RRSP, the TFSA, and capital gains treatment for non-registered investments—all remain open to the owner of a small corporation ... the RRSP to the extent that the owner has received salary to create contribution room. A corporation can even, at some expense, establish a defined benefit (DB) pension plan and exceed individual RRSP contribution limits. Yes, there is a more tax-efficient way for small business owners to benefit when it comes time to retirement. Here is an outline of two things I'm aware of: If your retirement withdrawals from your Canadian small business corporation would constitute withdrawal from the corporation's retained earnings (profits), i.e. income to the corporation that had already been subject to corporate income tax in prior years, then the corporation is able to declare such distributions as dividends and issue you a T5 slip (Statement of Investment Income) instead of a T4 slip (Statement of Remuneration Paid). Dividends received by Canadian residents from Canadian corporations benefit from the Dividend Tax Credit (DTC), which substantially increases the amount of income you can receive without incurring income tax. See TaxTips.ca - Non-eligible (small business) dividend tax credit (DTC). Quote: For a single individual with no income other than taxable Canadian   dividends which are eligible for the small business dividend tax   credit, in 2014 approximately $35,551 [...] could be earned before   any federal* taxes were payable. * Provincial DTCs vary, and so combined federal/provincial maximums vary. See here. If you're wondering about ""non-eligible"" vs. ""eligible"": private small business corporation dividends are generally considered non-eligible for the best DTC benefit—but they get some benefit—while a large public corporation's dividends would generally be considered eligible. Eligible/non-eligible has to do with the corporation's own income tax rates; since Canadian small businesses already get a big tax break that large companies don't enjoy, the DTC for small businesses isn't as good as the DTC for public company dividends. Finally, even if there is hardly any same-year income tax advantage in taking dividends over salary from an active small business corporation (when you factor in both the income tax paid by the corporation and the individual), dividends still allow a business owner to smooth his income over time, which can result in a lower lifetime average tax rate. So you can use your business as a retained earnings piggy bank to spin off dividends that attract less tax than ordinary income. But! ... if you can convince somebody to buy your business from you, then you can benefit from the lifetime capital gains exemption of up to $800,000 on qualifying small business shares. i.e. you can receive up to $800K tax-free on the sale of your small business shares. This lifetime capital gains exemption is a big carrot—designed, I believe, to incentivize Canadian entrepreneurs to develop going-concern businesses that have value beyond their own time in the business. This means building things that would make your business worth buying, e.g. a valued brand or product, a customer base, intellectual property, etc. Of course, there are details and conditions with all of what I described, and I am not an accountant, so please consult a qualified, conflict-free professional if you need advice specific to your situation."


It will be considered 'unused credit'. I have tried it yeas ago. They just report zero usage.


"I'd encourage you to use rules of thumb and back-of-the-envelope. Here are some ideas that could be useful: The problem with any kind of detailed calculations is the number of unknowns: There are some really complex calculators out there, for example see ESPlanner (http://www.esplanner.com/) (caution: horrible user interface, but seemed to work), that will include all kinds of factors and run monte carlo and the whole thing. But in my opinion, it's just as good or better to say save at least 15% of income until you have 25x what you spend, or some other such rule of thumb. Here's my little blog post on savings and investing fwiw: http://blog.ometer.com/2010/11/10/take-risks-in-life-for-savings-choose-a-balanced-fund/ Another note, there's sort of an ""ideology of how to live"" embedded in any retirement recommendation, and you might want to take the time to reflect on that and consciously choose. A book on this topic is Your Money or Your Life by Robin & Dominguez, http://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 which is a sort of radical ""you should save everything possible to achieve financial independence as early as possible"" argument. I didn't go for their plan, but I think it's thought-provoking. A newer book that may be more appealing is called The Number  and it's about your question exactly. It's more designed to get you thinking, while Your Money or Your Life has a particular answer in mind. Both have some math and some rules of thumb, though they aren't focused on that. A kind of general takeaway from these books might be: first think about your expenses. What are you trying to accomplish in life, how would you like to spend your time? And then ask how much money you absolutely need to accomplish that, and focus on accomplishing your goals, spending your time (as much as you can) on what you'd like to spend it on. I'm contrasting this with a generic recommendation to save enough to spend 80% of your income in retirement, which embeds this idea that you should spend as much as possible every year, before and after you retire. Lots of people do like that idea, but it's not a law of the universe or something, it's just one popular approach."


Start with researching in the field of Organizational Behavior, that's the *broad* name of the field you're looking for.    1. This guy on youtube is pretty cool, just don't get sucked in his promotional stuff (take the free stuff) https://www.youtube.com/user/ramitsethi  2. **Read for Robert Greene: Mastery, Seduction, 48 Laws of Power**   3. Maslow Hierarchy of needs   3. Read: How to Win Friends and Influence People      Just for kicks: read: Snakes in Suits: When Psychopaths Go to Work.  Hope this helps.


It sure sounds that way =/  Obviously if you were making decisions about how to better run companies, that sounds amazing. It sounds like a job I could easily be obsessive about, that would be fun to do, and pay extremely well on top of it.  That's why I was hoping PE was like like. But it's clear that it's not really like that at all.


Largely it comes down to the complexity of your return (likely relatively simple if it's your first time filing) and your comfort level with using software. More complex returns would include filing business claims, handling stocks and investments, special return forms, etc.  One benefit to most of the software options out there such as TurboTax, HR Block, and Tax Slayer, are that they are free to use and you only pay when you're ready to file. You could give them a shot to see how easy/difficult they are and if you feel overwhelmed, then contact a CPA (whose time won't be free). Also remember that those HR Block seasonal places that open up are not CPA's, but are temps hired and trained to use the software that you would find online. You didn't indicate they were an option, but I like to point that out to those who might not know otherwise.  My opinion would be to use one of the online options because of cost and their ease of use. They also allow you to take your time and save your progress, so you can start using it and go ask questions/do research on your own time.


There are a lot of forces at play here, one of which is addressed in your second bullet point. Housing, transportation, food, and healthcare are pretty much the staple expenses of a modern day human.  While these expenses all have a range from minimum required to function and luxurious all humans incur these costs.  The lower rung wage earners earn an amount closer to their actual costs than higher earners.  As income scales up these expenses typically also scale up with different lifestyle choices.   There reaches a breaking point though where is so much excess to your income that you begin meaningfully spending on investments; you may also begin to take a meaningful portion of your compensation in securities rather than currency.  In times where the economy is booming, folks who hold assets in securities rather than currency really win.  In 2008 people in that highest rung really took a wealth hit (and probably an income hit).


Investment banks will put out various reports and collect revenues from that along with their banking activity.  I don't read them or care to read them myself.  If banks can make money from something, they will likely do it, especially if it is legal. To take the Tesla stock question for a moment: Aren't you ruling out that yesterday was the day that Tesla was included in the Nasdaq 100 and thus there may be some people today exiting because they tried to cash in on the index funds having to buy the stock and bid it up in a sense?  Or as @littleadv points out there could be those tracking the stocks not in the index that would have been forced to sell for another idea here. The Goldman note is a possible explanation but there could well be more factors in play here such as automated trading systems that seek to take advantage of what could be perceived as arbitrage opportunities. There can be quick judgments made on things which may or may not be true in the end.  After all, who knows exactly what is causing the sell-off.  Is it a bunch of stop orders being triggered?  Is it people actually putting in sell order manually?  Is it something else?  There are lots of questions here where I'm not sure how well one can assign responsibility here.


If they have a document that says they paid sales tax, then you must have a document that says you refunded it. Otherwise, your tax office might find out that you charged sales tax, you have no proof of the refund, so it very much looks like tax evasion. I'd call your tax office to hear what they say about it.


In addition to all the other answers, here is a New Zealand Herald article from earlier this year about second mortgages, confirming that it is both legal and common in New Zealand.  Whether or not it is a good idea in your situation is another question.


"Bingo, great question.  I'm not the original poster, ""otherwiseyep"", but I am in the economics field (I'm a currency analyst for a Forex broker).  I also happen to strongly disagree with his posts on the origin of money.  To answer your question:  the villagers are forced to use the new notes by their government, which demands that their income taxes be paid with the new currency.  This is glossed over by otherwiseyep, which is unfortunate because it misleads people who are new to economics into believing the system of fiat money we have now is natural/emergent (created from the bottom-up) and not enforced from the top-down.  Legal tender laws enforced in each nation's courts mean that all contracts can be settled in the local fiat currency, regardless of whether the receiver of the money wants a different currency.  These laws (and the income tax) create an artificial ""root demand"" for the fiat currency, which is what gives it its value.  We don't just *decide* that green paper has value.  We are forced to accumulate it by the government.  Fiat currencies are not money.  We call them money, but in fact they are credit derivatives.  Let me explain:  A currency's value is inextricably tied to the nation's bond market.  When investors buy a nation's bonds, they are loaning that nation money.  The investor expects to receive interest payments on the bonds.  The interest rate naturally rises as the bonds are perceived to be more-risky, and naturally falls as the bonds are perceived to be less-risky.  The risk comes from the fact that governments sometimes get really close to not being able to pay their interest payments.  They get into so much debt, and their tax-revenue shrinks as their economy worsens.  That drives up the interest rate they must pay when they issue new bonds (ie add debt).  So the value of a currency comes from tax revenue (interest payments).  If a government misses an interest payment, or doesn't fully pay it, the market considers this a ""credit event"" and investors sell their bonds and freak out.  Selling bonds has the effect of driving interest rates even higher, so it's a vicious cycle.  If the government defaults, there's massive deflation because all debt denominated in that currency suddenly skyrockets due to the higher interest rates.  This creates a chain of cascading defaults - one person defaults, which leads another person, and another, and so on.  Everyone was in debt to everyone else, somewhere along the chain.  In order to counteract this deflation (which ultimately leads to the kind of depression you saw in 1930's US), governments will print print print, expanding the credit supply via the banks.  So this is what you see happening today - banks are constantly being bailed out all over the Western world, governments are cutting programs to be able to meet their interest payments, and central banks are expanding credit supplies and bailing out their buddies.  Real money has ZERO counterparty risk.  What is counterparty risk?  It's just the risk that the guy who owes you something won't honor his debt.  Gold and silver and salt and oil aren't IOU's.  So they can be real money."


"> A lot of ""problems"" could be solved with an authoritarian government.   Well, that was stupid.  >We let people decide.  Yep, it's called the authoritarian government we have now. Ther government decides, not you. It boarding autocratic.  > If the debt was an emergency, a truly real here and now problem, it'd be solved.   Not when the money in question is fiat and those who  trade with you understand such and are moving to get away from.  You are a wishful thinker."


"Circa 2002-2005, I was able to successfully ""transfer"" a balance from a debit card linked to a bank account to a Bank of America Visa credit card. As an example, I could say do a balance transfer from the card XXXX-XXXX-XXXX-XXXX (which was a valid debit card number) to the credit card, and the funds would appear in the checking account within a few days, and also the balance on the credit card would go up the amount plus any balance transfer fee. I think they've sealed off that loophole years ago."


A quick update for people finding this thread through Google. With the help of a few awesome Bogleheads, I compiled all the relevant research done into two Wiki articles: This includes comparing US to Irish domiciled ETFs, how to calculate tax withholding leakage and estate tax concerns. Hope you find this useful.


"In my opinion the risk is about the lost opportunity cost. You can find a lot of articles about it on the net. In big shortcut opportunity cost takes place each time you have to choose between two or more options and the tradeoff effect have its price. It is defined as value of best alternative solution. Quite good definition from wikipedia is as follows: In microeconomic theory, the opportunity cost of a choice is the value of the best alternative forgone, in a situation in which a choice needs to be made between several mutually exclusive alternatives given limited resources. Assuming the best choice is made, it is the ""cost"" incurred by not enjoying the benefit that would be had by taking the second best choice available Note that opportunity cost is not the sum of the available alternatives when those alternatives are, in turn, mutually exclusive to each other – it is the value of the next best use.  As you probalby think, this situation often happens in financial world, where investors always seek best from their point of view way to invest capital."


Might want to cross-post to /r/financialindependence;  I'm in a similar situation like yours. The problem is that working hard and really hustling it lost a lot of it's primal motivation because the utility of extra money isn't there.   You have to be intrinsically motivated to achieve it, or gain enough satisfaction from the other factors that comes with it (power, ego, etc.). If none of these are super-motivating to you, like it was for me, then you need to find something that is a lot of fun to you, but at the same time still very challenging and the outcome is not certain.   For me it turned out that it was active investing. I can scale it up or down as I please (ie: spend 10 hours on it in a day, then spend no time on it for a day) - there's no employees and no customers, so no schedule I have to keep or person I need to keep happy.   It takes a while to find that, so you just have to give things a go. However, the difference between a hobby and this is that it's A) a challenge and B) you can actually lose. At least for me, that makes it so much more interesting compared to playing computer games, which I also enjoy very much but get bored of if I spend too much time on it.


You can't buy it outright. You can't take the time to save up. if the remaining choice is between a card that charges from day one, and a card with this kind of grace period, the grace card is the better choice. Plan wisely, pay it in full before that rate starts to be charged. One additional note - There are two groups of people, the pay-in-fullers and the balance carriers. I believe that one should pay in full, and never pay interest.  A zero rate offer can be used by the balance carrier to feel great for 12 months, but have even more debt after the rate kicks in.  As a pay-in-full user, I've used the zero rate to throw $20K at the 5.25% mortgage, and planned a refinance to 3.5% just as it ended. a $750 savings (after the tax effect) well worth the bit of effort.  The fees should be in the fine print. My zero rate had a transfer fee, $50 max, which was nothing in comparison to the savings.


No, if you purchase it with all taxes and leins dismissed, in Pa, it usually goes up for sale 3 times before they drop all leins and taxes. Before you purchase the house, check eith sheriff and make sure they are selling with the above dismissed, otherwise, you can get youself in a real mess.


1. Pick hotels/restaurants/bars with your ideal clients.  2. Offer to take/pick up employees to or from work (receptionist/manager/bartender/owner) once a week for free. Anyone who is customer facing can be a great opportunity for your business but try and be smart about this.  3. Build relationships with these people. show them you are kind, courteous, professional, and make it obvious that you speak English well. Smile. This is your opportunity to show them the quality of your service.  4. Ask them for referrals. Give them your business card and make sure there is English on the card. Bring them a snack or a drink the first and second time they send a customer your way.  5. Build stronger relationships with the people who are driving more business to you, and focus your effort on these people. If you get no referrals from someone, then kindly stop giving them free rides.  good luck :)


Get another LLC.  Not that hard and well worth it.  I have one business endeavor but have 3 different LLC's to handle the three different aspects of it.  That way, should something go wrong with one of the three (and it has in the past), I can kill it without hurting the entire operation.  Then start another LLC to take over the aspect of the operation that was killed.


I'm not splitting hairs at all, I'm pointing out that it's impossible to be a globalist in terms of business, and an anti-globalist in terms of government.  A truly anti-globalist government would draw inward, and discourage (or stop) international trade/business, to focus on the domestic economy. That is not what is happening, and in fact, our president and his businesses clearly want to keep reaping the rewards of their international interests. Thus, our president is a globalist.


The pencil, the wheel, fire, electricity  (wasn't invented but founded) wireless capabilities, the telephone the list goes on and on. I'm not trying to convince you to be apart of the governmentless world all I'm saying is there are better was to collect revenue for a government that don't include theft. Why is that such a hard concept for you to grasp?


I once saw Kelly on a Yahoo show and I had no idea who she was. After visiting this website, I now know that she is great personal stylist who is also a talented host. I was also impressed by this particular site on her website: http://www.kellylundberg.co/kelly-lundberg-show-reel/


"About deducting mortgage interest: No, you can not deduct it unless it is qualified mortgage interest. ""Qualified mortgage interest is interest and points you pay on a loan secured by your main home or a second home."" (Tax Topic 505).  According to the IRS, ""if you rent out the residence, you must use it for more than 14 days or more than 10% of the number of days you rent it out, whichever is longer.""  Regarding being taxed on income received from the property, if you claim the foreign tax credit you will not be double taxed. According to the IRS, ""The foreign tax credit intends to reduce the double tax burden that would otherwise arise when foreign source income is taxed by both the United States and the foreign country from which the income is derived.""  (from IRS Topic 856 - Foreign Tax Credit)   About property taxes: From my understanding, these cannot be claimed for the foreign tax credit but can be deducted as business expenses. There are various exceptions and stipulations based on your circumstance, so you need to read the official publications and get professional tax advice. Here's an excerpt from Publication 856 - Foreign Tax Credit for Individuals: ""In most  cases,  only  foreign  income  taxes  qualify for the foreign tax credit. Other taxes, such as foreign real and personal property taxes, do not qualify.  But  you  may  be  able  to  deduct  these other  taxes  even  if  you  claim  the  foreign  tax credit for foreign income taxes. In most cases, you can deduct these other taxes  only  if  they  are  expenses incurred  in  a trade  or  business  or  in  the  production  of  income.  However,  you  can  deduct  foreign  real property taxes that are not trade or business expenses  as  an  itemized  deduction  on  Schedule A (Form 1040)."" Note and disclaimer:  Sources: IRS Tax Topic 505 Interest Expense, IRS Real Estate (Taxes, Mortgage Interest, Points, Other Property Expenses) , IRS Topic 514 Foreign Tax Credit , and Publication 856 Foreign Tax Credit for Individuals"


I think its close proximity to Chicago is what they're banking on.  There's places around here like that, Palm Springs, for example.  It's a few hours from LA and it's basically where people escape for a weekend to do some golfing. I assume they're setting up a similar situation.


"I have absolutely no problem with turning Budweiser into an ""American"" Fosters (I put ""American"" in quotes, because it's basically a foreign owned beer brand now).  ...now, if we could just get America to stop drinking that swill."


Speech-to-text and text-to-speech are not new technologies. I'm not sure why Siri is so terrible at doing both.  Also, it's not value-added to the consumer. Siri is a toy that most people try a few times, then abandon after they realize its just a fancy way to search Google.


"In the sense I mean, ""luck"" is that which didn't come from you that, without which, you would not have been successful in the way that you were.  So, being born in the developed world, for instance, is some ""luck"".  There's also the element of being dependent on an environment existing that you usually are not aware of, but said environment is actually somewhat fragile, and if mistreated, might fall apart on you, making further success therein impossible.  Think of a fish.  Is it ""lucky"" there's an ocean?  Yes, because if the fish pollute it and suddenly the ocean itself is making them sick and preventing them from being successful, it should be counted as ""lucky"" that there's an ocean, and the fish ought to do what's necessary to keep their ocean healthy.  Replace ""fish"" and ""ocean"" with ""person"" and ""economy/society""."


Which I 100% agree with. Opiates are awful horribly addictive substances that are an issue, I'm just saying I don't like the argument that anyone who smokes weed on their time off is a loser. There is a huge divide between opiates and marijuana


Just agreeing with you. Most of our debt is owed to ourselves, and through monetary policy we are much more fortunate than other countries to have these controls. I feel bad for the euro zone where it seems Merkel's politics > European economy... but then again if i was a German I wouldnt want to open my wallet to save a Greek either.


Auto Binary Signals is essentially a flag benefit for double choices dealers. You may have effectively found out about it, cause this flag benefit has been generally publicized on the web. We at QuintUp.com has by and by tried it and discovered amazing outcomes.


Household budgeting is about giving a job to your money before you spend it.  Having it zero-sum means that you've assigned all your money coming in to whatever tasks you've decided align with your financial priorities. That means that if you start with money in the bank, then that money needs to be assigned jobs as well - it's likely that if it's savings, then its job will be to wait around until needed for things like car repair, home repair, vacation, etc.


"In my experience, in a house share situation, it seems to come down to how comfortable the occupants feel and how much of their own space they want.  For example, I've come across lots of situations where someone is renting a room from a live in landlord, but in practice the two housemates (or roommates if you prefer) have equal run of the place and may even share food and hang out together and also the opposite, where people are sharing a property as equals, but tend to stick to their own room and don't share, or even more extreme, where they are technically equals but subject to one or more very domineering housemates (roommates).  This happened to someone I know who was renting with two ""friends"" but was forced to move out.  I run a website - aimed at lodgers and live in landlords, and house sharers to a lesser degree, mostly from the UK, but relevant everywhere as I deal with much more than legalities and tax. I came across this thread as I wanted to explore the difference in the US between a lodger and a roommate.  From what I gather, the term ""lodger"" is understood, but the term ""roommate"" is more typically used to mean a lodger, which in itself suggests a more equal arrangement than in the UK, where we're more used to owning property than renting, and certainly sharing.  However, I believe that if you're letting a room to someone, and they pay you a reasonable rent and respect both you and your home, you should be prepared to treat them as an equal on a day to day basis.  If you're not, then you naturally won't attract either the best rent, or the best lodger/roommate, however desirable the property."


Really no different than the subprime mortgage crisis in a way, you have people who have been given lines of credit that they can just barely afford when things are going well, and then now as soon as business takes a hit for the first time they're up shit creek.  I feel a bit sorry for some of the people caught up in this, I understand that some of these immigrants don't neccesarily have the means to do anything else, and many of them I'm sure don't have the intelligence/education to understand the matter fully (i.e. the 76 year old guy who didn't sell his medallion, dumb move). But at the end of the day you did it to yourself, nobody in this country is forced to take loans at gunpoint.


You put 20% down and already owe the 80% or $80k, so you don't have the ability to borrow $100k or even $20k for that matter. As LittleAdv stated, the banks have really tightened their lending criteria. Borrowing out more than 80% carries a high premium if you can get it at all.  In your example, you want the property to increase in value by at least 10% to borrow $10K.


I wish that I could share the same positivity as you, but aerospace is going (I'm a mechanical engineer btw). Boeing has been our biggest airplane producer and the only company to rival airbus, but their production (and design) is being moved to China. https://www.google.com/amp/s/www.forbes.com/sites/lorenthompson/2015/09/23/boeing-to-build-its-first-offshore-plane-factory-in-china-as-ex-im-bank-withers/amp/  What you're talking about with computer tech still being stronger in the US vs China is a common misconception. Though we are a powerhouse worldwide in CS with people all over the world using sites like Facebook and google, China made a smart decision years ago to block these sites and have their own similar sites developed in country. These sites are every bit as powerful and almost as commonly used as their American counterparts.   As far as the language and cultural barriers go this is a barrier that the Chinese are easily and quickly overcoming (just as Korea and Japan had done in the past). China is the biggest international market for consuming American made entertainment and Americans and Europeans are moving in the thousands to China to teach English and teach western customs.(my sister has been teaching English there for the last 3 years)  Finally, the Trump bullshit. I guess you could say you're guess about his lasting effects on our country are as good as mine, but I think we could both agree that they wont be good.


That's fair, but given the calls in this thread for the share price to drop 15% off this, for wells Fargo to be treated as a criminal Enterprise, etc., these are pretty small numbers considering. About a third of a percent of annual profits is not exactly something to call for the share price to tank, and a lack of effective controls is not a reason to define a long-standing business as a criminal enterprise.


I would just ask him plain and simple for a shadow opportunity. Just as you said, he has an open door policy and what better way to show it to his employees. And to really hold him to the policy.   As for what questions to ask it depends on what you want out of life. This person is at a very high level so they obviously know a good bit, or at least how to achieve that level. One thing I'd say to do is to not make all of your questions about business. Mix it up and ask him some personal things like his hobbies, but nothing to personal. Try to build a relationship with him in what time you have and maybe this will lead to further opportunities.


"The value of getting into the landlord business -- or any other business -- depends on circumstances at the time. How much will it cost you to buy the property? How much can you reasonably expect to collect in rent? How easy or difficult is it to find a tenant? Etc. I owned a rental property for about ten years and I lost a bundle of money on it. Things people often don't consider when calculating likely rental income are: There will be times when you have no tenant. Someone moves out and you don't always find a new tenant right away. Maintenance. There's always something that the tenant expects you to fix. Tenants aren't likely to take as good a care of the property as someone who owned it would. And while a homeowner might fix little things himself, like a broken light switch or doorknob, the tenant expects the landlord to fix such things. If you live nearby and have the time and ability to do minor maintenance, this may be no big deal. If you have to call a professional, this can get very expensive very quickly. Like for example, I once had a tenant complain that the water heater wasn't working. I called a plumber. He found that the knob on the water heater was set to ""low"". So he turned it up. He charged me, I think it was $200. I can't really complain about the charge. He had to drive to the property, figure out that that was all the problem was, turn the knob, and then verify that that really solved the problem. Tenants don't always pay the rent on time, or at all. I had several tenants who apparently saw the rent as something optional, to be paid if they had money left over that they couldn't think of anything better to do with. You may get bad tenants who destroy the place. I had one tenant who did $10,000 worth of damage. That include six inches deep of trash all over the house that had to be cleared out, rotting food all over, excrement smeared on walls, holes in the walls, and many things broken. I thought it was disgusting just to have to go in to clean it up, I can't imagine living like that, but whatever. Depending on the laws in your area, it may be very difficult to kick out a bad tenant. In my case, I had to evict two tenants, and it took about three months each time to go through the legal process. On the slip side, the big advantage to owning real estate is that once you pay it off, you own it and can continue to collect rent. And as most currencies in the world are subject to inflation, the rent you can charge will normally go up while your mortgage payments are constant."


In addition to the other answers, which cover the risks of what is essentially leveraged investing, I'd like to point out that the 2.6% penalty is a flat rate. If you are responsible for withholding your own taxes then you are paying tax four times a year. So any underpayment on your first quarterly tax payment will have much more time to accrue in the stock market than your last payment, although each underpayment will be penalized by the 2.6%. It may make sense for someone to make full payments on later payments but underpay on earlier ones.


Math - The half-match is 3% or $3900. After 5 years, $19,500.  If you stay, you are vested, and have $20K (I hope it's actually far more) extra. For you, it's like 2 month's salary bonus after 5 years.  If you leave early, the good news is that even if the expenses within the plan weren't great, you have the money you put in, along with what vested so far. You move that to an IRA and choose your own thrifty funds or ETFs.  For me (as Duff said, there's no one answer, so to be clear, this is my feeling, or preference, not gospel) 6% is far too little to save as a percent of my income. So if the 401(k) fees ran say .8% or higher, I'd put in the 6% to get the potential match, and then save on the side.  Our answers might change slightly depending on the exact fees you're exposed to.


"> No, it's realistic to try...  I disagree.  I think most minimum wage people would better off investing in lottery tickets.  (And I think lotteries should be illegal).  > I'm not 100% on clear on why some new businesses succeed and some fail.  Let me give you some reasons why a minimum wage person will almost certainly fail when trying to start a business:  * No skills -- If they had skills to offer they wouldn't be making minimum wage.  * No product -- Few minimum wage workers are in positions where they are working with a product they have the ability to improve, a-la Eli Whitney.  This means any company they start would need to be selling a skill, not a product, but then see ""No skills"".  * No business savvy -- A business takes a minimum of three diverse skill sets (administration, marketing, product).  Again, ""No skills"".  If this person did have some skills (s)he would still need friends to fill in the gaps.  * No time -- Many people working minimum wage have other responsibilities (kids or second jobs).  They simply do not have the cycles to invest in a new business.  * No starting capital -- Since they work minimum wage they have no money.  With no money they can't afford tools needed to make or provide their product.  The also can't afford to go without a paycheck as the business ramps up.  * Barriers to entry -- Existing companies will defend their customers and protect their market share.  The local store will chase you away if you try to sell lemonade in front.  You would need to buy a storefront or booth but ""No starting capital"".  In addition, any good storefront or booth is already taken by the bigger guys so you're going to get poor traffic in whatever you get.  * Bad information -- There are many companies whose business is to take advantage of low-wage entrepreneurs and push terrible ideas.  These people become disillusioned pushing bad products or getting into multilevel marketing schemes."


As someone who spent the first 20 years of their life living in and around the city (with family working in multiple casinos) I wonder how many of the people commenting here actually have a grasp of what's going on in Atlantic City. While not totally off, the generalizations and explanations from several people who appear to have never set foot in the state -- much less the city -- do not come close to covering what has gone on in Atlantic City for decades.


Couple of thoughts...  Opposition research is valuable to campaigns.  They spend millions of dollars developing it.  So it definitely has value.  I don't believe it has to be cash or equivalents to be illegal.  Foreign governments could just buy air time for candidates.  It's the same thing.  Don Jr may *not* have actually gotten anything of value.   That is uncertain.  No one knows what happened in the room.  He *did* demonstrate an intent to get that thing, and collude in the process.   We don't know, so that's why you investigate.  It's entirely possible that Don Jr tried to collude, but failed.    I also think there's reason for suspicion about the content of the meeting.  First it was about adoption.  Then it was something else (I can't remember the exact timeline of explanations).  If it was innocuous, there would have been one unchanging story.


> If there was, we probably wouldn't be having this conversation.  personally, i haven't been to walmart in probably six years, despite living in cities. i buy my necessities at my grocery store, since i'm already there to buy food. i use amazon a lot. i think the problem of monopoly (i'm using this term loosely - walmart isnt technically a monopoly) will be fixed with cultural improvement. people will become more aware and smarter. people will become richer and care more about a company's human rights record, environmental record, etc. but for now, walmart is a good company. it provides a lot of people with cheap products, which allows them to have a better life and spend money on other things. the main problem IMO is that the govt/fed has caused our economy to self-destruct. so people are eager to get low prices. if the govt were smaller (something i assume you are against), our economy would get better, and poor people would be better off. ron paul and libertarians DO believe their beliefs are best for the poor.


+1.  Most ETFs (namely the passive index-tracking ones) will be taking liquidity via market on close orders, since they absolutely need to be filled.  Active ETFs, which may have more discretion, may be able to provide liquidity during the day based on market conditions and get rebates that way.


I'm suggesting she be displayed and deployed in front of either the Washington Monument or Lincoln Memorial. I'm leaning toward the Lincoln Memorial but I'm open to suggestions from the focus group as well as input from a capable lighting designer. Experience in the horror genre may be useful but not nessesarily required.


"I don't mean to be flippant, but why not try ""titster"" or similar and see if the first three characters are the issue. If it's accepted, than you should ask the bank why they are discriminating against your religious beliefs. If it's rejected, then you know they are going overboard on avoiding certain words."


They are still here, quietly rubber-stamping every single spending increase/tax cut Trump wants.  Just like they did with George W. Bush.  (75% increase in federal spending over 8 years).  Didn't hear those deficit hawks back then either.


Private Mortgage Insurance. It's money that you pay to an insurance company to make the lender whole in the event that you go into default. It's a real waste of money for you. If you are trying to finance more than 80% of the value of a home, a standard mortage is likely to require that you get PMI. Nowadays there are other options which involve paying substantially more interest.


"> “Americans are temporarily embarrassed millionaires in waiting.”  This shit !!! As Romney said: its not about the 1% versus the 99%, it is the 57% of makers (himself alongside struggling middle class) against the 43% takers (those who are the real threat to middle class).  It's not anymore about ""stability"" or ""job security"", but ""making it big"". There is an over-glorification and even idealization of multi-millionaires which is unhealthy, leads to their further exploitation, and inequalities."


People thought they were being responsible by getting their degree in the first place and are unable to find a job afterward. Do you think their lacking the ability to repay huge loans with no income is them being irresponsible?


If you want to play the game of the top escape rooms which has  a great escapist team that always do the different activity for their clients enjoyment. We have fabulous entertaining activities for our clients. Our so many clients are very happy after coming here. You can make the memorable events here with our corporate events in Broward county escape rooms. It may be a happiness proposal for escape rooms Broward County. It is a unique opportunity for  those people who want to make the special party in your budget and major events to entertainment.


In this case it is probably best to have a separate line for each degree, since they were not earned at the same time.  You can probably find some examples by searching around. I am USA based so you might also want to check if there are regional differences in layouts.  My input is based on USA styles.


"He didn't sell in the ""normal"" way that most people think of when they hear the term ""sell."" He engaged in a (perfectly legitimate) technique known as short selling, in which he borrows shares from his broker and sells them immediately. He's betting that the price of the stock will drop so he can buy them back at a lower price to return the borrowed shares back to his broker. He gets to pocket the difference. He had about $37,000 of cash in his account. Since he borrowed ~8400 shares and sold them immediately at $2/share, he got $16,800 in cash and owed his broker 8400 shares. So, his net purchasing power at the time of the short sale was $37,000 + $16,800 - 4800 shares * $2/share. As the price of the stock changes, his purchasing power will change according to this equation. He's allowed to continue to borrow these 8400 shares as long as his purchasing power remains above 0. That is, the broker requires him to have enough cash on hand to buy back all of his borrowed shares at any given moment. If his purchasing power ever goes negative, he'll be subject to a margin call: the broker will make him either deposit cash into his account or close his positions (sell long positions or buy back short positions) until it's positive again. The stock jumped up to $13.85 the next morning before the market opened (during ""before-hours"" trading). His purchasing power at that time was $37,000 + $16,800 - 8400 shares * $13.85/share = -$62,540. Since his purchasing power was negative, he was subject to a margin call. By the time he got out, he had to pay $17.50/share to buy back the 8400 shares that he borrowed, making his purchasing power -$101,600. This $101,600 was money that he borrowed from his broker to buy back the shares to fulfill his margin call. His huge loss was from borrowing shares from his broker. Note that his maximum potential loss is unlimited, since there is no limit to how much a stock can grow. Evidently, he failed to grasp the most important concept of short selling, which is that he's borrowing stock from his broker and he's obligated to give that stock back whenever his broker wants, no matter what it costs him to fulfill that obligation."


"Amway is the quintessential multi-level marketing business. It's the legal equivalent of a pyramid scheme. Basically, you put up a bunch of your own cash (or a little, depending on the current market) and then essentially become a sales force of one for selling their crap. The kick comes in when you realize that there is little money in selling amway products but instead in setting up and recruiting people to do it for you. That's the crux of multi level marketing, you constantly foist the sales work onto other folks and move higher up the ""pyramid.""   Plenty of other companies like Mary Kay, doterra, thirty-one, pampered chef, etc. do this crap."


">  The Author clearly has no freaking idea what the hell he is talking about.  I have an idea of what's going on.  And my experience comes from earlier in my career, when I acted as an execution trader at several hedge funds.  Rebates are offered by the exchange so that the exchange can make money.  It isn't a public service or some great sacrifice.    Let me tell you how it works:  Somebody at XYZ exchange/bank takes you out for a nice steak dinner.  Then maybe they take you to the strip club.  There may be some blow involved.  If the broker is particularly nice, they'll pay for an experience in the *actual* ""champagne room.""    Then you go back to your desk on Monday, look at the flows you're disbursing to various brokers and exchanges, and make your ""adjustments"" based on how much you enjoy hanging out with the broker/salesperson.  Oh, and of course the ""rebates.""  Which to you barely make a difference, because you're just an execution trader.  You aren't in it to make money.  The analysts don't know what you're doing, and there's a good chance that the PM doesn't, either.   It's easy to do, because tracking ""best execution"" is beyond the comprehension of the SEC.  Oh, if they only knew...and could actually act on it.  But we all know they don't really want to, because almost to a man they're each waiting for their turn at the revolving door that will usher them on to a lucrative private sector career."


Well that will depend on the time frame you are looking at it. You can't compare the RSI on a five minute chart to the RSI on a daily chart. The minute chart would represent the momentum of very small trends whilst the daily chart would represent the momentum of much larger trends. On the daily chart the shares might be experiencing a strong uptrend with a rising RSI. During each day the price might move up at the open then come down some, then back up a bit more and repeat this several times during the day before closing higher. During the day the RSI might have moved slightly higher.  But during a single day on the 5 minute chart the price may have gone through several up and down trends, with the RSI going into oversold and overbought several times. What you should be looking at to strengthen the signal from the RSI is to watch for when the RSI is in the overbought at the same time the price is reaching a peak, or when the RSI is in the oversold at the same time the price is reaching a trout. These could represent potential turning points in price. The time frame to use would depend on the type of trading you are attempting to undertake. If you prefer day trading (being in and out of a trade in minutes to hours) you might look at time frames of minutes to hours. If you prefer longer term position, trend or swing trading you would probably stick to daily charts. If you prefer longer term active investing you might stick to a combination of daily, weekly and monthly charts.


If this is the case then it will never get past the Senate. It requires 67 votes to be approved for ratification. Negotiators know this. Anything that they think will prevent passage by the Senate will not be in the final draft of the agreement. It's not like they can just sneak this past the Senate and the people. They can only keep the negotiations secret, the full agreement will be public and hotly debated well before it would be put to a vote in the Senate.


"Unfortunately too many companies view a Mail in rebate as an unwelcome cost instead of as a customer interaction issue, and it gives the company a bad reputation when someone gets stiffed on the mail in rebate, and it also has basically ruined the concept to a large degree. Many people will simply regard the rebate as worthless and evaluate the product based on the full price - killing what the company wanted to get out of it (Rich Seller hit the nail on the head), which is why you see ""instant rebates"" etc."


Video linked by /u/Alex6373:  Title|Channel|Published|Duration|Likes|Total Views :----------:|:----------:|:----------:|:----------:|:----------:|:----------: [Проекты, которые платят! Топ сайты по заработку в интернете! Как быстро заработать деньги](https://youtu.be/OgqbHXWMJIw)|Финансовый Вектор|2017-09-02|0:03:07|0+ (0%)|1  > ¦ Ссылки на регистрации в проектах: | Bitradio:...  ---  [^Info](https://np.reddit.com/r/youtubot/wiki/index) ^| [^/u/Alex6373 ^can ^delete](https://np.reddit.com/message/compose/?to=_youtubot_&subject=delete\%20comment&message=dmgssaa\%0A\%0AReason\%3A\%20\%2A\%2Aplease+help+us+improve\%2A\%2A) ^| ^v2.0.0


1. It doesn't have an almost perfect negative correlation - its value decays very fast because of time.  In fact, something like 80% of options expire worthless.  They typically have a lifespan of 30-90 days and unless you're using them as a way to earn excess return, you'll likely just throw away your premium.  2. You're also making some assumptions about correlation and risk/reward.  You won't become wealthy by distributing risk, all you can hope for is less volatility - maybe that's what you're looking for - but you can also expect your return to be less than the market over almost any period of time.  3. Options aren't really for diversifying.  Furthermore, why diversify?  It's a myth that it adds any value.  There's around a 90% correlation for all asset classes since around 2000, so you're being sold some blue sky if someone tells you otherwise.  4. Look up prices of put options.  1-2% of your portfolio might buy you a handful of options, but again, there's a high probability you'll lose that 1-2% entirely every 30-90 days.


IRS Pub 561 says you have to use fair market value.  You cannot simply use a depreciated value. You should attempt to determine what people normally pay for comparable items, and be prepared to defend your determination with evidence in the event of an audit.


As a 20 year old who has just started earning enough to save, I suggest showing them the different types of lifestyles they could live in the future if they started saving now versus what their life would be like if they didn't save at all. Try showing them actual dollar values as well so it's not just an arbitrary idea.


"I haven't dealt with this kind of thing in any way, but I found some quotes from IRS publications which I think are relevant and hopefully help. Your scenario sounds to me like a Qualified Tuition Reduction as described in Publication 970 Tax Benefits for Education. It appears the rules are different for graduate study as opposed to pre-graduate work, though I don't see anything about any dollar amount limit. There are various requirements and exceptions, so hopefully reading through that section of the publication can help you understand whether the benefit is supposed to be taxable. If taxable, it should show up on your W-2 like any other income: Any tuition reduction that is taxable should be included as wages on your Form W-2, box 1. Report the amount from Form W-2, box 1, on line 7 (Form 1040 or Form 1040A) or line 1 (Form 1040EZ).  It doesn't appear that there is any special designation or box for the tuition reduction as opposed to ""normal"" work, it just is income that's been earned like any other. If you need guidance on how much of the income is for ""normal"" work and how much is for the tuition reduction, you probably need to see if you can figure it out from her pay stubs, or contact the university's HR department. Well, looking through the credits I see in Publication 970, there appear to be two possible credits: The ""American opportunity credit"" section, under ""No double benefit allowed"", says things like (my emphasis added): You can't do any of the following.  ⋮ My understanding from reading through the section is that expenses are only excluded if they were tax-free, so that there can't be a double-dipping of benefits. If they're included as taxable income, I think they would count under your second interpretation, that the employer paid them like any other income, and your wife spent them as educational expenses just like other students, and they would qualify for educational credits. In fact, it explicitly states: Don't reduce qualified education expenses by amounts paid with funds the student receives as: Which sure sounds to me that anything that counts as W-2 Box 1 ""Wages"" would be payments received that then the expenses were logically paid separately from. The other credit, the ""Lifetime Learning Credit"", appears to use identical language (No double benefits; and don't reduce by wages). Obviously this is just from my looking through Publication 970; there may be more nuances here and for ""real"" advice you may want to speak more to the university HR department (who perhaps have dealt with this before) and/or a real tax advisor. You might also see if you can get any sort of a ""receipt"" or even a Form 1098-T from the university of what amount was paid on your wife's behalf, to help document it is truly that she was just paid more wages and spent them on classes as far as tax law is concerned."


"can you expand on what some of these opportunities have been? Unless you are possibly in sales, I can't think of anything other than the obvious ""network your way into a better job"" opportunities. It sounds like you are referring to something completely different, though."


"Is any article painting a company's policies in a positive light by difinition a ""spin piece""? Costco has been paying their employees more than their competitors for ages as it leads to better productivity and less turnover. Try looking at the world in a less cynical light, you'll be happier for it."


"JoeTaxpayer nailed it.  Here's another way to look at it: Generally, we invest in something, then might leave it there for a few years, then take it out, but don't touch it in between.  In that case, to get the final amount X(N), we need to take the initial amount, then multiply by growth in the first year, then multiply by growth in the second year, etc. So, for three years, we have: X(3) = X(0) * G(1) * G(2) * G(3) = X(0) * ""average annual growth"" ^ 3 So, here, we see that we want the average annual growth to the power three equal to the product of the annual growth rates, thus, geometric mean: geometric mean = (G(1) * G(2) * G(3)) ^ (1/3) On the other hand, consider a situation where I have three investments X,Y,Z over one year. Now I have, after one year: X(1)+Y(1)+Z(1) = X(0)*G(1,X) + Y(0)*G(1,Y) + Z(0)*G(1,Z) = ( X(0)+Y(0)+Z(0) ) * ""average annual growth"" Now, in this case, if we assume X(0) = Y(0) = Z(0) = 1, i.e. I put equal amounts in each, we see that the average annual growth rate we want in this case is the arithmetic mean: arithmetic mean = (G(1,X) + G(1,Y) + G(1,Z)) / 3 (if we had unequal amounts at the beginning, it would be a weighted average). TL;DR:"


A few things you might run into:


Banks want to be paid back, and if you don't, then want to be able to sell your property for enough money to cover what you didn't pay back. Your credit rating will determine the interest rate you pay, and this affects how much you can borrow because a higher interest rate means that you can borrow less on the same terms than you could with a lower interest rate. Paying 50% down will bring your payment way down, of course, and will improve everything about your loan (debt to income ratio, debt to equity) but you'll likely still be charged the higher interest rate based on your credit rating. This, of course, is contingent on the property's value appraising properly.


"Most articles on investing recommend that investors that are just starting out to invest in index stock or bonds funds.  This is the easiest way to get rolling and limit risk by investing in bonds and stocks, and not either one of the asset classes alone.   When you start to look deeper into investing there are so many options: Small Cap, Large Cap, technical analysis, fundamental analysis, option strategies, and on and on.  This can end up being a full time job or chewing into a lot of personal time.  It is a great challenge to learn various investment strategies frankly for the average person that works full time it is a huge effort.  I would recommend also reading ""The Intelligent Asset Allocator"" to get a wider perspective on how asset allocation can help grow a portfolio and reduce risk.  This book covers a simple process."


I didn't say it *is* common but that it's getting so. The job market is brutal so people are looking for everything to get an advantage thus we're seeing the classic devaluation by commonality. A CFA will be worth less going forward just given the sheer number of people who seem to be studying/taking at least level I.


There are millions of websites available on the Internet but only a few stand-out and build their reputation in the online world. The overall design, look and feel of the website has a major role to play in this. Intelligent designs involve many other aspects than just creativity.


What's your background? Or what is it that gives you the impression that those things are not meaningful?  It just seems like a bizarre thing to say to me and I'm trying to see if we have just different backgrounds or if there's something else at play to account for our clearly different perspectives.


I'm a bot, *bleep*, *bloop*. Someone has linked to this thread from another place on reddit:  - [/r/utricksblog] [Fastest trains in Africa reportedly set to be shipped to Nigeria from China (photos) .](https://np.reddit.com/r/UtricksBlog/comments/70psd5/fastest_trains_in_africa_reportedly_set_to_be/)  [](#footer)*^(If you follow any of the above links, please respect the rules of reddit and don't vote in the other threads.) ^\([Info](/r/TotesMessenger) ^/ ^[Contact](/message/compose?to=/r/TotesMessenger))*  [](#bot)


What's crazy is that you hear a lot (comparatively so) about energy buyers and sellers, but not about the actual distributors. Its like being the stooge for the middle man. You think you are going to make good money, but its nothing compared to the big guy.


Proper packaging is vital for delivering the products safely to the customer. On the other hand, going overboard on the packaging heightens the overall cost of the product, which may draw the customer away. So, it is essential to find the most secure but cost-effective boxes and packaging for your goods.


It depends.  If you accept the offer, then your stock will cease existing.  If you reject the offer, then you will become a minority shareholder.  Depending on the circumstances, you could be in the case where it becomes illegal to trade your shares.  That can happen if the firm ceases to be a public company.  In that case, you would discount the cash flows of future dividends to determine worth because there would be no market for it. If the firm remained public and also was listed for trading, then you could sell your shares although the terms and conditions in the market would depend on how the controlling firm managed the original firm.


I think you should consult a professional with experience in 83(b) election and dealing with the problems associated with that. The cost of the mistake can be huge, and you better make sure everything is done properly. For starters, I would look at the copy of the letter you sent to verify that you didn't write the year wrong. I know you checked it twice, but check again. Tax advisers can call a dedicated IRS help line for practitioners where someone may be able to provide more information (with your power of attorney on file), and they can also request the copy of the original letter you've sent to verify it is correct. In any case, you must attach the copy of the letter you sent to your 2014 tax return (as this is a requirement for the election to be valid).


I don't know much about the convertible debt space, but it seems like this regulation may be a positive sign that the government is being proactive in preventing financial institutions from developing overly complex debt structures (at least on an on-going basis) that get the global economy back into trouble.  Does anyone with a more informed opinion than my own have something to share?


"What's funny is this scam was like a plot the villains used in some American comedy movie about politicians I can't remember the name of. They were trying to bring entire factories of Chinese people here to work. Made a big joke out of it saying they called it ""insourcing"". Funny that it's actually a reality that has already destroyed wages for construction workers, and IT."


"I hate ""10% of the difference"" idea. It's only real value is in words, for example:  BB has a TV for 599. Newegg has it for 579. Best Buy matches, takes 10% of the difference off, and you pay $577 + tax. Still not cheaper :/"


To be clear, the fed or the poll didn't say the economy got worse.  And it certainly didn't say that QE caused the weak economy.  It's just a survey of opinion.  And since it's the first one we don't know if people's opinion is getting better or worse.


Whirlpool Refrigerator Service Center in Hyderabad.LG, GODREJ, VIDEOCON Gas Refilling Cooling Compressor Ice Problem Best Home appliance service center in Hyderabad.our service center guys will provide you one stop service purpose for all of your electronic Best Home appliances. Whirlpool Refrigerator service center in Hyderabad is the best service good service center in Hyderabad just call our phone numbers 040-60506610,60506611,60506622


The best thing about online dating sites is that you can easily meet your match online without much difficulty. Getting to know people online is easy and fun! There are many ways you can search: from age, religion, personality, character, online preferences, various fetishes, adult requirements and much more. With localtemptation, anything is possible.


Problems with your plan (in no particular order) there is a limit, once they have decided that you have enough credit they won't offer any more. If the economy changes (like it did in 2008) they can reduce the limit on existing accounts. If you don't use them, they may decide to close them. Using existing cards will encourage the bank to increase the limit on that card. opening cards can make some lenders nervous. Having a new card close to when you are applying for a mortgage or a car loan can make them less likely to lend you the max. You have to decide: Are you trying to buildup your credit limit? or your credit score?


yes you can open bank account you should have a address in us and personally visit bank to deposite $1500 only to get you a debit card.you are required to maintain min balance of $1500 only. I have done it


His credit is likely impacted already for the fact it's in collection. My real concern is that he be 100% certain the debt collector actually has ownership of the debt. At first glance this sounds like it may be a scam, but if the debt was written off, it may have been sold for pennies on the dollar. So to the collector 20% of face value is a tidy profit.