When you withdraw from your RRSP, you lose that contribution room and you will never get it back. Let's say you have room to contribute a total of $50,000 to RRSPs. If you withdraw $5000 from one institution and deposit it in another, you will now have a total contribution room of $45,000. This will only matter to you if you hope to max out your RRSP contributions sometime in your life, of course, but almost everyone should be aiming for this. Otherwise, you are correct. Your extra income will be mitigated by your immediate recontribution to your RRSP. Note that there are two circumstances where withdrawing from your RRSP does not reduce your contribution limit. The home-buyers plan lets you withdraw up to $25,000 to buy a home. You have to repay this over no more than 15 years. The second is the Lifelong Learning Plan, which lets you withdraw up to $20,000 (up to $10,000 annually), to be repaid over a 10-year period. Any other withdrawals (or failure to repay under the HBP or LLP) will lower your RRSP contribution room. In summary, it's almost certainly worth paying the $125 fee unless you are certain you will not be maxing out your RRSP contributions in your lifetime.


For providing financing assistance to the clients, Invoice Finance and Factoring Services are provided by some recognized professional financial services providers in London. They can help in improving cash flows and credit control. Before applying for loans, a business has to undergo the lengthy processes and legal formalities. To simplify these procedures, Forfaiting Financial Services in London are provided to many organizations.


The math depends on your average bill, days before it's due, and interest you'd earn. Say you have a $2000 bill each month. At 1%, there's an annual $20 or 40 cents per week you'd save by delaying the payment. If you pay on line and can hit the due date dead on, no reason to pay sooner. But if you risk the mail being late, the late fee and interest will negate the savings on a hundred months of last minute payments. Hardly worth the risk, IMHO. Edit - to clarify, the delayed payment with the above numbers saves the 40 cents or about $5/yr. scale it up with higher average balances or with a higher return on your savings account.


You should do it. It really can't hurt. But you really need someone young-ish (35-45) that is already successful and knows what the hell they're doing to read thru and critique it.   Anyone can write a business plan, but that doesn't make it good. That said, if you can just DO, then just DO. Most entrepreneurs I know never wrote a business plan, they just focused on making the best thing and working hard at it. And providing good customer/client service.  Try networking, too. If you are passionate and can present your idea in a good way, someone with 10k should stake you (like an angel investor).


The simplest solution to fire-and-forget is to pick something like a Target Date mutual fund made up of low-overhead index funds (within your 401k or a Roth IRA, perhaps) and set up automatic purchase to that.  If you're talking about limit orders and so on, that ain't simple.


It is the best medical school in London. If whenever you want clear the medical interview. Then you can join our medical school in the United Kingdom. We provide the best facilities in the medical school. Such as interview question, assignment, and MMI interview questions. With personal schools supplying their students with the toughest preparation, and professional interview panelists providing medicinal drug interview guides at sky-high fees, it became turning into highly tough to cozy an area at the scientific faculty as a kingdom-school student.  We have lived as much as our promise, the students who took component on our outreach program went directly to acquire gives from some of the quality scientific colleges in the global. This year, we’re additionally imparting loose talks and workshops to schools as a part of our outreach program.


This comes as a consequence to the notion of an income tax.  Remove that, and there won't be shenanigans like this anymore.  Libertarians don't stand for the notion that government owns your property (income) and can determine how much you get to keep after they forcefully take some from you or threaten you with being put in a cage.  Rather, we suggest for a consumption tax to replace it.


The principal of the loan itself isn't any sort of taxable event.  There are, however, two taxable events here. First, cashing out your 401(k).  That income wasn't originally taxed, so it will be now, as regular income.  Plus, you're going to pay a 10% penalty, assuming you're under 59.5 years of age. Second, when the business pays you interest, that interest will be taxable.  The principal is not taxable; that's not income, after all. You simply are getting back what's yours.  The interest is taxable, as that is the actual income here.


I'll probably be downvoted to hell for saying this, but why is it considered so normal that so many people are overdrafting their account all the time?  Whether you're poor or rich, there are a plethora of free tools out there to help you manage and keep track of money.  Wells Fargo is doing shady shit here, but if you spend 14 seconds watching your money every day (so you know what your buffer is), they would never be able to do this.  Pay fucking attention to your money and you'll lose a lot less of it (in all areas of life).


I'll mention the same thing I said to /u/jemacmillan, a family of three is dad, mom and kid, not dad, mom and three kids.  A living wage to provide absolute necessities is different from a living wage + expendable income like many here seem to think.  All anyone is asking is to be able to make enough, on minimum wage, to pay their rent and utilities, put food on the table for their kids and some clean clothes on their back.  No one is asking for new iPhones, a Mercedes or any other luxury.  People are asking to be able to _live_.


"part of living in a dynamic world, unfortunately failure to accept that leaves you in the dust keeping that same mindset forever-- personally i think that outsourcing will forever be a popular solution to profit maximization without altering our corporate tax laws.  ...however with adequate adjustments to tax incentives, some of these large corporations could be taxed properly and stop claiming they are generating their profits ""overseas"" all the while dodging our socioeconomic responsibility of contributing to the system.   great read- thanks for the share"


"How can people afford luxury cars? The same way they can afford anything: by finding it cheaply, saving for it, or adjusting their priorities. Company cars - either paid for by the company, or as part of a bonus/compensation/salary sacrifice scheme. I have friends who drive luxury cars, but they pay £200/month - not much more than, for example, finance on a used Honda People who have paid off their mortgage. There are people who spend a decade pouring every cent they have into a mortgage. Once paid off, they have £500-1500 a month ""spare"" People who have different priorities to you. I'm not bothered about big houses and holidays, but I love cars: I'd rather spend an extra £100/month on my car and have a holiday every 2 years, not every year People who only run one car in the family: if you're running two cars at £200/month, then discover one of you can work from home, you could have one £400 car and still be saving money on running costs. People who don't have (or want) children. Children are expensive, if they aren't part of your plans then you can save a lot of money for luxuries."


Rebates are a great way to give discounts to customers who are cost sensitive. A long time ago, I worked for a retailer that extensively used rebates as a marketing tool. From my point of view, about 90% of the complaints that I investigated were a result of people not following directions. Biggest single thing was not sending original documentation when it was called for.


Okay, so if I mix water (0% juice), juice concentrate (0% juice), and food coloring (0% juice), do I end up with 100% juice?  And what happens if I leave a glass out in the air for a few seconds? Some of the water will evaporate. Is it then not 100% juice?


There are ETFs listed on the Brazilian stock market. Specifically there is one for S&P500 - SPXI11, which might fulfill your requirements, though as one commenter has observed, it doesn't answer your original question.


> I've had an idea for a store  &nbsp;  > anything with an online following really  &nbsp;  Would it not be better (and lower risk, e.g. no minimum term lease) to start with an online store? That way you can market to these online followings (reddit, forums, facebook groups, etc.) regardless of geographical location.


"In addition to JoeTaxpayer's answer there are articles that describe the writing of options as ""being the casino"".  When you write, or sell to open an option, you are selling one of the most desirable things in the world to sell:  a depreciating asset.   Writing options are not without risk, but they can be a very conservative strategy.   Who wins  these massive losses?  Sometimes run of the mill investors, myself being one of them."


Trả ít hơn và có được dịch vụ thạch cao hấp dẫn hơn với chất lượng khác nhau. SMY Plaster là nền tảng cho bạn, nơi bạn có thể có được dịch vụ tuyệt vời của trần nhà và thạch cao trong một căn nhà. Chúng tôi là một trong những nhà cung cấp hàng đầu của công ty tỷ lệ cao nhất chất lượng cao của thạch cao thạch cao này được mua từ các nhà cung cấp đơn giản và xác thực của chúng tôi. Để giúp bạn đạt được điều đó, hãy tuân thủ hướng dẫn này để có các gợi ý và đề xuất nhằm đạt được ước mơ đó và tận dụng tối đa các sản phẩm của chúng tôi.


I know this can be confusing because you tend to think of money being worth the face value. So let's eliminate that for the sake of an example that will be easier to understand. Let's say your friend loaned you rock worth $10 today. He expects you to pay him back an identical rock whenever you can. Now let's also assume that historically the price of rocks tends to go down every year. At some point you will need to buy a rock to pay your friend back. Because they keep getting cheaper, it costs less to buy the payback rock the longer you wait. Replace a dollar with a rock in the example and you have your answer. This is known as the time value of money. In reality, this is priced into the loan (via the interest rate) because the lender very much understands the math going on here. Also, it is more complicated because the longer you delay payment the more interest you pay (pebbles if you will) so it doesn't usually work to your advantage unless they underpriced the loan's interest rate.


There does not appear to be a way to export the customers and invoices nor a way to import them into another data file if you could export them. However, as said in the comments to your question, your question seems predicated upon the notion that it is 'best practice' to create a new data file each year. This is not considered necessary It should be noted that GnuCash reports should be able to provide   accurate year-end data for accounting purposes without zeroing   transactions, so book-closing may not be necessary. Leaving books   unclosed does mean that account balances in the Chart of Accounts will   not show Year-To-Date amounts.   - Closing Books GnuCash Wiki The above linked wiki page has several methods to 'close the books' if that is what you want to do - but it is not necessary. There is even a description on how to create a new file for the new year which only talks about setting up the new accounts and transactions - nothing about customers, invoices etc. Note that you can 'close the books' without creating a new data file. In summary: you cannot do it; but you don't need to create a new file for the new year so you don't need to do it.


>Yes they do, the post office is not allowed to make a profit.  Just to clarify, the post office can make a profit but they are supposed to aim to break even over time.  3 years of profit can balance out over time with losses.  The goal is to not make money but also to not get screwed with regular fluxuation


Bootstrap has been a verb for a very long time, and you've used it as such all your life, or at the very least it's short form: booting.  It means, as you well know, to lift yourself up using your own resources.


It is a scam organization praying on fear of the simple minded.  The facts Edelson presents are not accurate -  http://www.sec.gov/litigation/admin/2006/ia-2525.pdf


Congrats on having such a nice emergency fund.  That's pretty substantial. I don't want to be the one to suggest the One Investment To Rule Them All because I might be wrong.  :) I'd investigate other avenues for investment.  Here are a few (in no particular order): My two cents but I think you're wise to be wary of investing in US equities now. Hedging (both with your passive investments and with another source of income) is something you can afford to do. (But to answer your question, there are indexes that are broader than the S&P 500.  The Wilshire 5000 index has all of them, for example.)


theoretically this concept makes sense.  However as recent numbers have shown ( I do not have the source handy but one can simply obtain this information via the ECB's website) banks have tapped this LTRO, something in the likes of 500 billion or so, and instead of buying Sovereign debt, they instead prefer to park this money with the ECB, paying something like 25 bps on deposits.  so instead of using this LTRO money to buy Sovereigns or perhaps lend to other banks, easing the strain on LIBOR, banks have just parked this money back with the ECB, as the ECB has seen its deposits once again reach record amounts (again, see the ECB website for proof).  Just this speaks volumes about the LTRO carry trade and how it is evidently not going to achieve its long term goal of bringing spreads down in Europe.  Perhaps in the short run yes, but if you look at the fundamentals (EURUSD, the EUR Basis Swap and the OIS-LIBOR Spread) they show how the situation in Europe is far from over, and the LTRO is nothing close to a long term and stable solution


"Best answer I've heard when asking this question is ""because they can."" Traditionally Australia was remote enough, and it was justified due to the cost of shipping and importing... but now that's not the case and they're still sticking it to you, and you're still paying it.  Even digital media (music, video, software), the poster-child of an item that has zero difference in delivery cost, cost more in Australia and there is absolutely no reason for it outside of the fact that you're going to pay it. Sorry dude... Start finding ways to fight back.  Find a US based VPN and route your purchases through the U.S., maybe save some money that way?  Make your physical purchases overseas and ship them home when you happen to leave the country (if ever).  Have friends do so when they leave the country... Good luck!"


"Whats obvious is obvious, and yet the Pseudo Intellectuals come out with their  . .""Where is your tin foil hat"" and ridicule as if everything is a conspiracy theory.  Well . . .its seems the Jews . .which make up less than 1% of American society seem to control most of the wealth and all of the white house and every American politician must get his asshole inspected by AIPAC and suck their cock before he is deemed worthy, and you know what, the new Tax laws will make sure they get to keep what they stole from you and even pass it on through inheritance and contribute nothing to society except abstract mathematical financial products which will crash the economy and cost you your life savings.  But that's not a reality, that's a conspiracy  Whats reality is that Fuckerberg is actually a catholic school girl who made a US$ 60 billion web page and the Russians hacked the US election via Reddit and Face book.  Well enjoy the tin foil condom you get Shalomed with"


Excuse me if I don't take studies by a politically motivated libertarian think tank at face value.     Edit:  ever wonder why all your min wage posts get downvoted?  It's not because it's unpopular, it's because they are wrong and unsupported by real world data.


Nemesis Watch Inc. introduces the latest design from watch designers and drives the watch market to a whole new generation. We are appreciated to deliver values of our products and services to all of our customers as demanded. For over ten years, Nemesis watch Inc. has been an international leading force in the design and manufacture of Leather Cuff Watches. We commit to provide our customers with the highest quality design for the lowest prices as possible.


"Never forget there are two kinds of people. Those who believe what they say, and those who do not believe what they say in public.  For example, if my assignment were to prop up the role of the USD as world reserve currency, it would be silly of me not to be fully informed as to any possible threats to it. However, what I say in public would be designed to maintain the role of the USD (assuming that's my mission), not to actually inform others about everything I know (unless it furthers my assignment in some way).  When Hillary says that the Egyptian government is ""stable"" - it's not that she actually believes it's stable, but that her role is to prop up a regime that has close ties to the American military. Calling a faltering regime ""stable"" is merely an attempt to discourage any movements trying to bring it down."


In the case you mentioned, where a private company owners will take debt with the purpose of  buying out other owners, is this done through a share repurchases program (I understand private companies issue them, even though it's rare)? Thank you for the insights.


"1. (a) Lookup ""Fairy-Circles"" in ""The INDEX."" of the book ""THE Natural Hiſtory OF STAFFORD-SHIRE."" by Robert Plot, LLD, Keeper of the ASHMOLEAN MUSÆUM And PROFESSOR of CHYMISTRY in the UNIVERSITY of OXFORD, published in MDCLXXXVI (1686): https://books.google.com/books?id=T03JVJkdC9gC&printsec=frontcover      \- Robert Plot, author of ""The Natural History Of Stafford-Shire"" (1686): http://www.oum.ox.ac.uk/learning/pdfs/plot.pdf      (b) ""Police urge people to report crop circle damage"" by Wiltshire Times, published on 8 July 2017: http://www.wiltshiretimes.co.uk/news/15398908.Police_urge_people_to_report_crop_circle_damage/      Mirror: https://web.archive.org/web/20170803125035/www.wiltshiretimes.co.uk/news/15398908.Police_urge_people_to_report_crop_circle_damage/      \- ""Police urge people to report crop circle criminal damage"" by Wiltshire Police, published in 2017: http://www.wiltshire.police.uk/news/3873-crop-circle-criminal-damage-on-the-rise          \- ""Criminal damage warning over Wiltshire crop circle increase"" by BBC News, published on 12 July 2017: http://www.bbc.com/news/uk-england-wiltshire-40581193       (c) ""400-Foot Diameter Metatron's Cube Reported July 18, 2017, At Cley Hill Near Warminster, Wiltshire, U. K."" by Linda Moulton Howe, published on 20 July 2017: https://www.earthfiles.com/news.php?ID=2547   2. (a) https://www.reddit.com/r/worldpolitics/comments/5bpc5x/an_update_for_my_readers_by_peter_levenda/d9q9006      (b) https://www.reddit.com/r/Missing411/comments/41oph0/supernatural_abductions_in_japanese_folklore_by/cz3we2z   3. https://www.reddit.com/r/conspiracy/comments/6rf7ek/plasma_stealth_technology_by_venik_published_on/dl4ka01  4. Read #2 (science, occult rituals, magic, United States of America) at https://www.reddit.com/r/worldpolitics/comments/5bpc5x/an_update_for_my_readers_by_peter_levenda/dfauxj7      Source: https://www.reddit.com/r/worldpolitics/comments/5bpc5x/an_update_for_my_readers_by_peter_levenda/d9q9006      Via: #26 at https://www.reddit.com/r/Missing411/comments/41oph0/supernatural_abductions_in_japanese_folklore_by/cz3we2z"


Usually payments are applied towards:


His net worth is going to be very different from his liquid assets. It’s not like he can write an $80B check. When you give a homeless person a dollar, are you basing it on what’s in your wallet or based on the worth of all your assets (home, car, electronics, etc)? Next question you should have is “Why the ef is anyone else telling me how much of my money I should give away?”


Because giving someone a loan and paying them to take it isn't a loan anymore.  I'll grant you, some of the treasury bill auctions did slip below 0% -- people paid in slightly more than what the bill would pay out. In as much as this was done by actual investors (and not afore-mentioned helicopter Ben Bernanke keeping the printing presses running hot all night), it was major accounts fearful of the euro disintegrating and banks crashing, and so on, and needing a safe spot to stick their cash for a couple months.  Where the Fed is concerned, that interest rate he's referring to is lending they do to banks. So, how much would you take if you ran a bank and the Fed offered to pay you to take their money? A billion? A trillion? As much as you could cram in your vaults, shove in your pockets, and stuff down your favorite teller's blouse? Yea, me too.


Put options are basically this. Buying a put option gives you the right but not the obligation to sell the underlying security at a certain date for a fixed price, no matter its current market value at that time. However, markets are largely effective, and the price of put options is such that if you bought them to cover you the whole time, you would on average pay more than you'd gain from the underlying security. There is no such thing as a risk-free investment.


"Taken from a reddit comment i read earlier:  ""Tesla does not have a demand generation problem. We are production constrained, not demand constrained. Until production exceeds demand, it doesn't make much sense to try to generate more demand because we already have more demand than we can fulfill. The Model 3 was the most successful product launch of any kind. I mean like ever, in history. We had more preorders than Apple did with the iPhone and we haven't even advertised. We are not trying to make the Model 3 waiting list any longer. We are anti-selling the Model 3."""


I've been studying artificial intelligence. You can play around with the technology on your computer. Currently AI is pretty weak but I've seen some videos that convince me it will get significantly better:  * quantum computers will greatly exceed the current technology * serious efforts are being made to test theories on how neurons in the brain work and how computer algorithms can be designed to perform in the same way * there is a search for a general learning algorithm which will make it possible for an AI to learn anything   One thing is for sure, an incredible amount of serious effort is being put into this work by some of the most brilliant computer scientists in the world. The really technical presentations are way beyond my comprehension.


Executives at the Journal, owned by Rupert Murdoch’s News Corp., argue that Google’s policy is unfairly punishing them for trying to attract more digital subscribers. They want Google to treat their articles equally in search rankings, despite being behind a paywall.  I have no interest in the article if it is behind a paywall so getting a search hit for WSJ is noise.


> You must not understand how profitable advertising is to Google and YouTube and Facebook... it is very very very profitable, and AdBlock can't block those ads.   I DO understand, that's why I am making noise now, because all of them are going to be in big trouble soon.  Ad block DOES block those ads. 100% of them. I see _zero_ ads. Nothing on facebook, nothing on google, nothing on youtube. There are ad blockers for all of it.


Thanks for the feedback obelus,   The cost is $20,000 to 50,000 sqft.   Ya I am just looking for a rough idea of what a similar newer building is costing I figured what we are paying is really high as the building is extremely old and designated as a heritage site so we can't just knock it down. Beautiful building just not very efficient.   The newer building is the route I think we are gonna end up going not sure what we can do with the current building as not too many options for resale. We can't adjust the lease rates to compensate for the cost as the tenants are all seniors and it is an integrated care home. A change to apartments would prove difficult as there are no kitchens in 90% of the suites.  We are currently paying approximately $0.40 psf a month to heat (All electric) and the estimate for the new building is $0.1425 psf (Geothermal) so it is a pretty huge impact in comparison if it is possible but I haven't heard of a real building actually costing that little before.   Thanks for the suggestion for the IR I think I am gonna get some one in after the holidays to do a inspection to see if there is any short term fixes we can do with our system.


We already offer console repair, we sell pre packaged food, drinks, ect.   Coffee here requires health inspections (almost like a restaurant).  We do have a constant flow of new customers as well as loyal regulars that never miss an event. We offer rewards for our members that bring in new customers as well.


I think you are aiming your crony capitalism shotgun in the wrong direction.  Oil industry subsidies dwarf those to the EV, and the bailouts to the US car manufacturers was the clearest example you could imagine of picking winners and losers.    Far worse, both the car manufacturers and oil industry represent the entrenched interests which are fighting the future changes in the industry as opposed to the other way around.  The money went directly to the companies involved, without a lick of good capitalist competition.  Now compare that to a personal EV tax credit.  1) you encourage the clearly visible future of cheap electrical power and driverless EVs, 2) you set up the subsidy as a personal tax break to the buyer, so any company is free to up their game and make better products to win part of it.  3) its a much smaller amount, and much more cost effective per tax dollar than giant checks to monster oil companies.  Once the government stops cramming enourmous amounts of money into oil and traditional car companies, then it might be time to relook at saving taxpayer money spent on EVs.


Additionally, it used to be the case that savings accounts would have a noticeably higher interest than checking accounts (if the checking account paid any at all).  So you would attempt to maximize your cash working for you by putting as much as you could into the savings account and then only transferring out what you needed to cover bills, etc into the checking account.


I travel a lot, too. 6 months living in Shanghai, 6 months in Greece, and many months of travel to various places. I love traveling! I still prefer the physical book to e-books, though, especially if going some place like Italy.   In a few days I leave for Athens where I start a month long train trip around Europe (with the EUrail, which is awesome). Physical books are better for traveling IMO because you're not worried about losing them, getting water on the at the each or pool, and they're much less likely to be stolen.c  If you're a very avid reader I can definitely understand bringing an e-reader, though. The books I read are pretty thick but I don't read through them that quickly (maybe an hour or two a day). Much more and is probably have to get an e-reader to carry the books I need!  As far as portability goes you're completely right, the e-reader is easier. Especially something like a nook or Kindle. It's just so light and holds so much! If you buy a physical book for vacation and start reading it only to find out you hate it, you're out of luck! With an e-reader you can just change the book. With the 3G Kindle you can just download a book almost anywhere in the world!


If you want to retire in 7 years at age 35 and only currently have 150k, and you need to ask this question of how to invest your money (risk free), then you will not be retiring at age 35 nor buying your house.  It is possible to do (but not risk free - in fact you will need to take quite a bit of risk) but you would need to have a detailed plan about how you would go about to achieve this goal, what assets you would be investing in, and what risk management you would have in place. If you have to ask this question all you have is a goal but no plan. You probably will need to do plenty of research in the types of investment you prefer and develop a plan to take you to your destination. This could take you a year or 10 years, depending on how motivated you are in acheiving your goals.


You're right. Your statement is almost universally true.   However, when applied to support of Trump, it is more the exception than the rule. By 'stupid', you could be saying that they were well informed, but voted for the wrong person because they miscalculated probabilities and implications of the future. Or 'stupid' could mean that the person was clouded in biases and incompetence; that they voted wrong because they just didn't understand.   I would say Thiel is the first type and the average low-income Trump supporter is the second. By that I mean that Thiel's support for Trump is in a minority because the majority of Trump supporters seem to have an extremely simple basis for their opinions. They've been fooled by biases, cultural associations, actors, and the general complexity of the modern world. They don't understand the world. Their community, media, and religious leaders-along with the morals from their culture-often put their moral inclinations into conflict with their economic self-interest. Thiel, on the other hand, is well informed and complex of thought. He was not hoodwinked by anyone.   Trump supporters seem stupid because they get so many facts wrong. From the opposite side, it seems like they are caught in storm of biases and psychological mindfucks. They don't seem capable of seeing information objectively.


"Financing a portfolio with debt (on margin) leads to higher variance. That's the WHOLE POINT. Let's say it's 50-50.  On the downside, with 100% equity, you can never lose more than your whole equity. But if you have assets of 100, of which 50% is equity and 50% is debt, your losses can be greater than 50%, which is to say more than the value of your equity. The reverse is true. You can make money at TWICE the rate if the market goes up. But ""you pay your money and you take your chances"" (Punch, 1846)."


Right- and that's exactly what Amazon wants.  YOUTH.  They'll take every last bit of youthful energy and enthusiasm that a recent grad has to offer, use it up, and burn them out. Rinse and repeat.  They're a despair factory.  Honestly, this is the formula that the average large tech company has mastered.  I know they are good experience and it's hard not to recommend them to recent grads, but man the people I knew from there when I lived in Seattle were depressed and demoralized by the experience.


Wow I honestly hope this is your first ever finance class. Anyway this isn't even finance, the only thing here finance related are the terms. It's really an algebra problem. Which is 1,312,500/x = 2 soooo find X.  X = 656250  so 131,250 in notes payable. If you don't know what to do know to find the quick ratio, then change majors


Yeah I'm exaggerating for effect.  I'm certain that most places aren't as bad as I'm making them out to be...but *one place*, wherever that is, is much, much worse. Someone is always running an absolute disaster of a key business program(s) out there.


I don't know exactly what your point is and why you're talking about loans. My point was that it's a huge assumption to say its a waste without any data as to which majors its a waste for, which jobs benefit most from school prestige, etc.


"While this figure is a giant flashing-red beacon of inflation, it should be noted that this has been happening during a period of unprecedented writedowns and deleveraging of ""hypothetical"" assets -- assets that exist on paper only. The result, given the way QE funds have been injected into the market (eg TAF), is that people who *should've* lost money get to tread water, and the inflation is not apparent in the rest of the economy (unless you are actually aware of the severe repercussions which should've happened but didn't).  Also, and separately, I'm not so sure another round of QE is coming."


it depends on what kind of IT you did, and where you took your econ courses afterward.  did you do any coding?  do any business cases studies?  Can you calculate the book value of a firm from its balance sheet and assess the net present value of its cash flow?  What happens to the value of a $1000  10 year bond at 4% when the current market rate drops to 3% 6 months after it was purchased?  Do you know what kind of corporate valuation doesn't appear in a financial statement?  If you can answer 1/2 of these questions, you will probably do just fine, but you will need to find someone to hire you and you will have to advance or find a new job every so often when you get bored again.  another idea is to get an MBA in finance where you are, then jump into the finance arena.


from my experience working in the family business, the first step is to make sure you HAVE the authority, one of the problems I encountered was that we were given managerial positions were we not empowered to do anything, which created many problems which comes to my second point, make sure you have clear roles and responsibilities, you have to know what you should be doing, if you don't, find out asap what you and your other managers are supposed to do, and lastly, make sure there is accountability and every family member and employees must be treated equally so that if your employees  or you yourself don't do something you are supposed to do, you can be held accountable for your actions, you won't believe how easy family members get special treatment, how family members miss deadlines and nobody cares, and how family members are managers when really they are just daddy's spoiled puppets being there to be peons (not to think), and Facebook more than usual. I recommend you read all literature you can get your hands on on dealing with family Enterprises and how to deal with common issues, good luck, I for one am desperately searching for jobs outside the family business because I can't take it anymore.


You're not missing anything. Excess cash is somewhat of a nebulous concept. To different people it means different things. The answer is that excess cash varies for each company depending on their business. For instance, some companies need very high amounts of working capital. A company may be increasing their inventories and therefore will require more cash on their balance sheet to fund growth. If a company always needs this extra cash, some investors prefer to leave that cash out of a valuation because the company cannot run profitably without it. Think about what happens to your calculation of Enterprise Value if you subtract excess cash as opposed to cash. Excess cash is always less than cash. Therefore by subtracting excess cash you increase EV. Since one common valuation metric is EV/EBITDA, a higher numerator will make the stock seem more expensive - that is the EV/EBITDA ratio will seem higher when using excess cash as opposed to cash. So using excess cash in your valuation methodology is basically a conservative concept. Depending on the business 20% of revenues seem way too high as a reserve for excess cash. 2% is a much better rule of thumb.


> Isn't it strange how hard labor fights on the side of capital?  Like the top comment or the geniuses downvoting us?   > Imagine if workers directed even a fraction of that passion toward helping workers instead of companies.  No need to imagine. Plenty of failed backwards socialist countries who've done this like Germany. Strong unions and labour laws, free post-secondary education and 3.9% unemployment. Sounds absolutely horrible, who'd want to live in such a hellhole.


"If you're simply a futures speculator, then yes, it does seem like gambling. If you're a farmer producing a few thousand bushels of wheat, futures can be a mechanism for you to hedge against certain kinds of market risk. Same if you're running a heating oil company, etc. I just read somewhere that the bad spring weather in South Dakota has prevented farmers from getting corn planted -- nothing is in the ground yet. This is ""objective data"" from which you might infer that this year's corn harvest could be late and/or smaller than normal. So maybe if you're a buyer for General Mills, you use corn futures to control your costs. In this case you'd have some idea based on experience what to expect for the price of corn, what your production line requires for input, how much you can charge for finished product, etc. These all factor in to the price you'd be willing to pay for corn futures."


Yes, you have to file a tax return in Canada.  Non residents that have earned employment income in Canada are required to file a Canadian personal income tax return. Usually, your employer will have deducted sufficient taxes from your pay-cheques, resulting in a tax refund upon filing your Canadian tax return. You will also receive a tax credit on your US tax return for taxes paid in Canada.


I think it's just a sign that they are trying to get echoes into all the homes of their target demographic that don't yet have one (i.e., trendy influencers and people with money).  Get them into the homes, and those people will start using them.  To buy things.  Once they have more data regarding what those people want, they'll know what to stock in their new whole foods store-cum-warehouses, ready to deploy in one-hour Prime Now deliveries.


If you have significant assets, such as a large deposit, then diversification of risks such as currency risk is good practice - there are many good options, but keeping 100% of it in roubles is definitely not a good idea, nor is keeping 100% of it in a single foreign currency.  Of course, it would be much more beneficial to have done it yesterday, and moments of extreme volatility generally are a bad time to make large uninformed trades, but if the deposit is sufficiently large (say, equal to annual expenses) then it would make sense to split it among different currencies and also different types of assets as well (deposit/stocks/precious metals/bonds). The rate of rouble may go up and down, but you also have to keep in mind that future events such as fluctuating oil price may risk a much deeper crisis than now, and you can look to experiences of the 1998 crisis as an example of what may happen if the situation continues to deteriorate.


The very term 'market conditions' is subjective and needs context.  There are 'market conditions' that favor buying (such as post crash) or market conditions that favor selling (such as the peak of a bubble).  Problem with mutual funds is you can't really pick these points yourself; because you're effectively outsourcing that to a firm.  If you're tight on time and are looking for weekly update on the economy a good solution is to identify a reputable economist (with a solid track record) and simply follow their commentary via blog or newsletter.


You say you have 90% in stocks. I'll assume that you have the other 10% in bonds. For the sake of simplicity, I'll assume that your investments in stocks are in nice, passive indexed mutual funds and ETFs, rather than in individual stocks. A 90% allocation in stocks is considered aggressive. The problem is that if the stock market crashes, you may lose 40% or more of your investment in a single year. As you point out, you are investing for the long term. That's great, it means you can rest easy if the stock market crashes, safe in the hope that you have many years for it to recover. So long as you have the emotional willpower to stick with it. Would you be better off with a 100% allocation in stocks? You'd think so, wouldn't you. After all, the stock market as a whole gives better expected returns than the bond market. But keep in mind, the stock market and the bond market are (somewhat) negatively correlated. That means when the stock market goes down, the bond market often goes up, and vice versa. Investing some of your money in bonds will slightly reduce your expected return but will also reduce your standard deviation and your maximum annual loss. Canadian Couch Potato has an interesting write-up on how to estimate stock and bond returns. It's based on your stocks being invested equally in the Canadian, U.S., and international markets. As you live in the U.S., that likely doesn't directly apply to you; you probably ignore the Canadian stock market, but your returns will be fairly similar. I've reproduced part of that table here: As you can see, your expected return is highest with a 100% allocation in stocks. With a 20 year window, you likely can recover from any crash. If you have the stomach for it, it's the allocation with the highest expected return. Once you get closer to retirement, though, you have less time to wait for the stock market to recover. If you still have 90% or 100% of your investment in stocks and the market crashes by 44%, it might well take you more than 6 years to recover. Canadian Couch Potato has another article, Does a 60/40 Portfolio Still Make Sense? A 60/40 portfolio is a fairly common split for regular investors. Typically considered not too aggressive, not too conservative. The article references an AP article that suggests, in the current financial climate, 60/40 isn't enough. Even they aren't recommending a 90/10 or a 100/0 split, though. Personally, I think 60/40 is too conservative. However, I don't have the stomach for a 100/0 split or even a 90/10 split. Okay, to get back to your question. So long as your time horizon is far enough out, the expected return is highest with a 100% allocation in stocks. Be sure that you can tolerate the risk, though. A 30% or 40% hit to your investments is enough to make anyone jittery. Investing a portion of your money in bonds slightly lowers your expected return but can measurably reduce your risk. As you get closer to retirement and your time horizon narrows, you have less time to recover from a stock market crash and do need to be more conservative. 6 years is probably too short to keep all your money in stocks. Is your stated approach reasonable? Well, only you can answer that. :)


Much of this inequality would be reduced if we moved from income taxation to a wealth/asset tax. We could exempt a person's main residence and retirement savings (similar to the way we do now with the home mortgage deduction and capital gains exemption and with IRAs). This would also obviate the need for a separate capital gains tax.


Colloquially, there's no difference except for the level of risk (which is an estimate anyway). Classically, investment is creating wealth through improvement or production.  Purchasing a house with the intent to renovate and sell it for a profit would be an investment, as the house is worth more when you sell than when you bought it. Speculation, on the other hand, is when you hope to make a profit through changes in the market itself.  Purchasing a house, letting it sit for 6 months, and selling it for a profit would be speculation.


Cronyism happening everywhere was my point, the government would have been better off giving out the money straight to the people with the accounts, and George W. Bush isn't Stalin, he's George W. Bush.  Isn't his name worse on reddit, and most other places?


They want cheap food so people can afford it...  If they only approved the most high quality food most people wouldn't be able to afford it. For most of human history people have eaten far less sanitary things than we eat now. Yes now we have crap processed food thats cheap and isn't healthy but thats because humanity literally NEEDS it to sustain our current population.  Tough situation but get rid of cheap food that is mass produced and you'll starve swaths of the population that rely on it for sustenance. There simply isn't enough of a supply chain network built out to produce enough fresh fruit vegetables and protein sources to feed everyone on a low budget.


"Your goals are excellent. I really admire your thoughts and plans, and I hold you in high esteem. Good credit is indeed an important thing to have, and starting young is THE smart idea with respect to this. I see that you have as a goal the purchase of a home. Indeed, another fine ambition. (Wow, you are a different breed from what I normally encounter on the internet; that's for sure !) Since this won't happen overnight, I would encourage you to think about another option. At this point in your life you have what few people have: options, and you have lots of them. The option I would like to suggest you consider is the debt free life. This does NOT mean life without a credit card, nor does it mean living with ones parents all their days. In its simplest form, it means that you don't owe anybody anything today. An adapted form of that; with the reality of leases and so on, is that you have more immediate cash in the bank than you have contractual responsibilities to pay others. e.g., if the rent on a place is X, and the lease is 12 months, then you don't sign until you have 12X in the bank.  That's the idea. If there is anything good that these past 10 years of recession and financial disasters have provided us as a nation, it is a clear picture presented to our young people that a house is not a guaranteed way to riches. Indeed, I just learned this week of another couple, forced out by foreclosure again. Yes, in the 1970s and 1980s the formula which anyone could follow was to take a mortgage on a single family house; just about any house in any community; and ten years later double your money, while (during those ten years) paying about the same (and in a few years, actually less) amount of money as you would for an apartment with about half the space. Those days were then, not now, and I seriously doubt that I will ever see them again in my lifetime. You might, at your age, one day. In the mean time, I would like to suggest that you think about that word options again; something that you have that I don't. If your mind is made up for certain that a house is the one and only thing you want, okay; this does not apply. During this time of building your credit (we're talking more than a year) I would like to encourage you to look at some of the other options that are out there waiting for you; such as... I also encourage you to take a calculator and a spreadsheet (I would be surprised if there is no freeware out there to do this with a few clicks) and compare the past 30 years of various investments. For example... It is especially educational if you can see line charts, with the ups and downs along the way. One last thing; about the stock market, you have an option (I love that word when people your age are actually thinking) called ""dollar cost averaging"". If you are not aware of this concept, just ask and I will edit this post (although I'm confident it has been explained by others far better than myself on this very site). Hit just about any solid stock market investment (plain old mutual fund, even with a load, and it will still work) and I believe you'll see what I'm trying to get across. Still, yes, you need a roof, and a young person should clearly plan on leaving parents in a healthy and happy way; so again, if the house is the one and only goal, then go for it kid (uhm, ""kid"", if you're still under 18). All the best. Do remember that you will be fixing the pipes, not the maintenance guy."


Yes, you do. Unless you actually donate it, the loan will be repaid and as such - is an asset for you. On your taxes you report the interest you got paid for the loan. You can claim the interest as a charitable deduction, if you don't effectively charge any (IRS dictates minimum statutory interests for arm-length loan transactions).


If you do your homework on the front end, so can find reliable, quality suppliers.  You can avoid scams and fraud.  And you can then avoid the path of last resort, the Alibaba Fair Play Fund.  And the Fair Play Fund is not a bad thing - it helps compensate users who have lost money - but avoiding it is critical.


The Plaster of Paris is an awe-inspiring building material that has transformed the substance of contemporary insides. The very multifarious material comes as a dry powder which should be commixed with dihydrogen monoxide afore utilizing. The Plaster of Paris is enormously being utilized as a puissant mendacious roof material finding tremendous application in all types of engineering.


I can't say much about other financial topics (ie personal finance), but I can give you some sources on investing.  Books: Market wWizards, Hedge Fund Market Wizards, Reminisces of a Stock Operator, No Bull, The Snowball  Websites:  Bloomberg, CNBC, Zerohedge  I also share my own thoughts on the stock market at http://markethistory.org


If we were to observe some call price (e.g., 15), and then derived implied volatilities from the BS formula depending on different strike prices but fixed maturity (i.e, maturity = 1, and strike goes from 80 to 140??), would we then see a smile? Yes. Market prices for various strikes and a given maturity often have higher implied volatilities from the Black-Scholes model away from at-the-money.   It is not accounted for in the Black-Scholes model in the fact that volatility is not a function of strike, so volatility is assumed to be constant across strikes, but the market does not price options that way. I don't know that a quantitative theory has ever been proven; I've always just assumed that people are willing to pay slightly more for options deep in or out of the money based on their strategy, but I have no evidence to base that theory on.


Really? Tesla and the gigabit factory are going to be players in a wide range of markets from automotive to power storage.  And the Falcon Heavy is the largest launch vehicle since the saturn V, they are paving the way for commercial space flight.  http://en.wikipedia.org/wiki/Falcon_Heavy


"I have a client who is a janitor, makes over 100k. This is a fact. NYC not being ""typical"" is the whole point. Cost of living is much higher but still get lumped in with everyone else when they make these arbitrary income cutoffs for things."


> Never said that.  Huh?  Did you NOT say:  * Governments **taxing** people people too much that's causing deflation.  I mean, there are some out there who claim that it's *inflation* that is fiscal. While I also think that's an interesting and particular theory, the theory that *deflation* is fiscal is a view that one just doesn't encounter often. Which is why I'm interested in seeing what sort of sources and/or evidence this theory flows from.   > You don't **believe** taxes are deflationary?  You're asking me what I believe in? I believe in the old-school, neoclassical view on the matter.


You've already hit on the big difference. If you buy a property, you've made a big commitment, for better or worse.  If you bought wisely, you'll be very happy.  If not, you could go bankrupt. An REIT spreads out the risk, but the reward isn't as great. There's less barrier to entry in buying shares of an REIT than there is in buying an investment property:  money, time, maintenance. The answer for you depends on what level of effort you want to put into your investment.  If you are all ready to pick up an investment property, make the down payment, get appraisal and inspection, clean up the house, and fill it with tenants, then go for it.  Otherwise, research some REITs and buy some shares. (Disclaimer:  I have a rental property that's doing pretty well now.)


Yes those are really yields. A large portion of the world has negative yielding bonds in fact. This process has been in motion for the past 10 years for very specific reasons. So congratulations on discovering the bond market.


Excellent summary.  I'd add a minor point that it's cheaper to setup and run a hedge fund.  The legal fees associated with starting a 40 Act mutual fund are about $750,000.   A hedge fund cane be setup for about $80,000.   It's also cheaper to keep the hedge fund going as the reporting requirements are much less.    source:  Have setup hedge funds and mutual funds. edit:  A word and source. Edi


"If the mods of /r/Economics were better at keeping thinly veiled political posts out of their subreddit, the quality would skyrocket overnight.  I think it might also be ""too late"" though since they're probably past a critical point where the spillover from /r/politics is so large that the majority of readers now want that content."


"This is the infographic from the Fidelity. It exemplifies what's wrong with the financial industry, and the sad state of innumeracy that we are in.   To be clear, Fidelity treats the 401(k) correctly, although the assumption that the withdrawals are all at a marginal 28% is a poor one. The Roth side, they assume the $5000 goes in at a zero tax rate. This is nonsense, as Elaine can't deposit $5000, she has to pay tax first, no? She'd deposit $3600, and would have the identical $27,404 at withdrawal time.  And this is pure nonsense -  ""Let’s look at the numbers another way. Tom takes the $1,400 he saved   in taxes from his $5,000 pretax contributions, and invests that money   in a taxable brokerage account. That could boost his total at age 75   to $35,445."" The $1400 saved is in his 401(k) already, there's no extra $1400. $5000 went in pretax.  Let me go one more step, and explain what I think Joe meant in his comment below - tax table first -   At retirement, say a couple has exactly $168,850 of income. With the $20K in standard deduction and exemptions, they are right at the top of the 25% bracket.  And have a federal tax bill of $28,925. Overall, an effective rate of 17%.  Of course this is a blend from 0%-25%, and I maintain that if some money could have gone in post tax while in the 10%/15% brackets, that would be great, but in the end, if it all skims off at 25%, and comes out at an effective 17%, that's not too bad.  The article is incorrect. Misleading. And offends any of us that have any respect for numbers. And the fact that the article claim that ""87% found this helpful"" just makes me... sad.  I've said it elsewhere, and will repeat, there are not just two points in time. The ability to convert Traditional 401(k) to Roth 401(k), and if in IRAs, not just convert, but also recharacterize, opens up other possibilities. It's worth a bit of attention and ongoing paperwork to minimize your lifetime tax bill. Time makes no difference. There is no ""crossover point"" as with other financial decisions. For this illustration, the results are identical regardless of time.  By the way, in today's dollars, it would take $4M pretax to produce an annual withdrawal of $160K. This number is about top 2-3%. The 90%ers need not worry about saving their way to a higher tax bracket."


"My recommendation is to shop around for a bank that handles wire transfers in a more sensible manner. Many wire transfers are set up so that you do not need to go physically into a branch. The wire transfer system I use has me initiate the transfer online, then call a dedicated number with a pin to authorise the transaction (24/7/365). I'm on the other side of the world from where the money ""is"" initially - no branch visit required."


They never patented rounded corners or smooth edges, the lawsuit was over the fact that the Samsung phone was designed to look almost exactly like the iPhone, which *had* rounded corners, amongst a list of other major design features.   That's like if Stephen King sued another writer for plagerizing his book, and suddenly everyone thinks that Stephen King is suing another writer for using verbs.


>While I agree that luck has something to do with it, most of the successful business owners also put in crazy long hours and submitted themselves to huge financial risk in order to get their businesses started.  So do many of the failures.  >Edit: some people are interpreting this to say that only successful business owners work hard. This is not what I am saying.  ...any longer.


*Frustratingly, though, there was no evidence that Xu had had any direct contact with Gillespie, apart from one small clue: Xu had once conducted a Google search on one of Gillespie's companies. Had he been checking out a potential partner?*  Did this freak anyone else out? Not that I'm worried about anyone looking at my google searches or anything *cough*


>Our first move wasn’t to think. Most entrepreneurs get caught in this what-if loophole. You ask yourself all these questions and by the end of your analysis, you’ve gotten too scared to take action.  My instincts tell me that this is terrible advice, and that these guys just got lucky. But I'll defer to anyone more familiar with the world of quick-to-market manufacturing. Maybe this is the only viable way to run that kind of business.


"**Scripps Networks Interactive**  Scripps Networks Interactive is an American media company formed on July 1, 2008, when the E. W. Scripps Company spun off its cable television division as a publicly traded company. Since launching HGTV in 1994, Scripps Networks diversified into lifestyle media, developing relevant content for television, Internet, satellite radio, books, magazines, and on emerging media platforms.In addition to HGTV, its lifestyle media brands include Food Network, DIY Network, Cooking Channel, Travel Channel, Great American Country and ulive.  Scripps is headquartered in Knoxville, Tennessee. The company has additional office locations in New York City; Los Angeles; Chicago; San Francisco; Chevy Chase, Maryland; Atlanta; Detroit; Nashville; Cincinnati; and offices in São Paulo (Brazil), London (UK) and Singapore.  ***  **E. W. Scripps Company**  The E. W. Scripps Company is an American broadcasting company founded in 1878 as a chain of daily newspapers by Edward Willis ""E. W."" Scripps. It was also formerly a media conglomerate. The company is headquartered inside the Scripps Center in Cincinnati, Ohio.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/business/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.24"


I live in a suburb of Los Angeles so maybe that sort of warps my view a bit. We have 99 Ranch, Vallarta, Jons, and Seafood City all in a 10 mile radius. The range of food I can get is crazy.


Most of this advice applies to the UK, where I work in motor insurance pricing for a large personal lines insurer, but a lot of it is more general. A loyal customer is usually an overpaying customer. The guiding priciple most financial services companies go by is that there's no point rewarding loyalty except to create it where none exists, i.e. by giving massive discounts to desirable new customers.  Shop around every time your policy comes up for renewal, and whenever your circumstances change. Never allow your policy to automatically renew - you may be charged a higher premium by default if you do! Phone up your current insurer and haggle to see if they can beat the best quote you find - their agents will usually be able offer a discount. If applicable in your country, use price comparison websites. Use at least two - different insurers sometimes offer different rates on different sites, competing harder on some than on others, especially if the price comparison website happens to be owned by one of the insurance companies that quotes on it. One example of this is http://www.confused.com, which is owned by RSA group, a major insurer. If there are no price comparison websites for your country, try purchasing your policy through a broker. They'll get quotes from a panel of insurers and offer you the cheapest. They can be especially helpful if you have a problematic driving history, e.g. drink-driving convictions, as many mainstream insurers will decline to quote for such people. Other suggestions Chris Rea's answer is a good starting point, but I would disagree about cutting back on cover. In the UK at least, many insurers often charge an equal or greater amount for lower levels of cover, because the people who choose these policies tend to be worse risks. Re switching vehicles - a cheap old car will not necessarily be much cheaper to insure than a new expensive one, as you can still injure people with it or crash into other people's cars, and the newer car will probably have better safety features. However, a less powerful and smaller vehicle typically poses less of a threat to others and will therefore be cheaper to insure. Another tactic not mentioned so far is 'reverse fronting'. 'Fronting', where the main driver poses as an additional driver and nominates a less risky driver as the main driver, is illegal, but the reverse - adding a less risky driver as an additional driver - is legal and can sometimes reduce premiums. This is because only one of you can drive the car at any one time, and sometimes it'll be the less risky one. So, especially if you're male and aged < 25, see if adding your safest parent as a named driver makes a difference. If you have the choice of storing your car on a driveway or on the street, get quotes for both and see which is cheaper. If you live in an area where burglary is commonplace, thieves are more likely to steal cars left on driveways, as they can break into the owner's home and steal the keys. If not, the driveway is better, as it reduces the risk of a collision. If you have previously driven another vehicle (e.g. motorbike or moped), or if you've been insured as an additional driver on someone else's car, call up insurers directly and ask if they can offer you a no-claims bonus for this. Quotes from price comparison websites tend to limit you to the numbers of years of no-claims you've accrued as a main driver, and may not reflect your full available no-claims bonus. Extreme measures Some insurers give you the option to install a tracking device in your car that can tell them various things, e.g.  Some people may be uncomfortable sharing this much information with their insurer, but for particularly risky drivers (I'm looking at you, males < 25) it can sometimes result in a substantial saving. One insurer that offers this is http://www.insurethebox.com/. Finally, if every insurer you can find is quoting in excess of £10,000 for a year's cover, you may find it cheaper instead to purchase a vintage agricultural vehicle and get it covered on a specialist farmer's policy: http://www.metro.co.uk/news/864501-teen-quoted-17k-for-car-insurance-resorts-to-driving-tractor


Brilliant fact-based objective reality explanation of the world currency markets.  I'm into bitcoin and physical gold investments (yeah, I know, it's like being gay and straight at the same time without being bi), may I ask you a few things later?


I recall the following business from the AIDS crisis: viatical settlement But because there were life-extending treatments developed in the 1990s, many third parties which engaged in these took a bath and it's not as common.


"The term ""tailwinds"" describes some condition or situation that will help move growth higher. For example, falling gas prices will help a delivery company be more profitable. Lower gas prices is said to be a tailwind for the freight services industry. ""Headwinds"" are just the opposite. Its a situation what will make growth more difficult. For example, if the price of beef goes much higher, McDonald's is facing headwinds. It's a nautical term. If the wind is at your back (tailwind), that will help you move forward more quickly. If you are moving into a headwind, that will only make progress more difficult."


Uber is a legal team wrapped in a company.  I bet they didn't even intend on becoming a taxi service or a software company, it was a bunch of lawyers hanging out doing origami with laws and regulations until they realized they could make a killing at it. ^/s


No, if your stock is called away, the stock is sold at the agreed upon price. You cannot get it back at your original price. If you don't want your stock to be called, make sure you have the short call position closed by expiration if it is ITM.  Also you could be at risk for early assignment if the option has little to no extrinsic value, although probably not. But when dividends are coming, make sure you close your short ITM options. If the dividend is worth more than the extrinsic value, you are pretty much guaranteed to be assigned. Been assigned that way too many times. Especially in ETFs where the dividends aren't dates are not always easy to find. It happens typically during triple witching. If you are assigned on your short option, you will be short stock and you will have to pay the dividend to the shareholder of your short stock. So if you have a covered call on, and you are assigned, your stock will be called away, and you will have to pay the dividend.


"Well... Technically you're right that the law was enshrined in 2015. But you're totally oversimplifying the state of affairs before 2015. Don't forget that the FCC began debating NN in the early 2000's and it wasn't until 2007 that the first actual implementation of throttling was reported. And even then it wasn't a major tiering since it targeted only BitTorrent.    To be clear, the Internet ""as we knew it"" prior to 2007 was neutral in practice if not direct legislation."


You can accomplish this without paying someone. I've been around friends that hang out in places like this but a little bit shadier. My experience is that the girls just tell you what you want to hear and keep their true feelings and opinions to themselves.


Calculate a weekly budget for yourself for all incidentals (i.e. shopping, movies, eating out, etc...) and take that amount out in cash each week. For example, if your budget is $75 then try to spend only that $75 on all the extra stuff you do doing the week. It'll make you hyper-conscious of where your money is going and how fast. You'll be surprised at how quickly little things like grabbing coffee in the morning can chip away at your funds.


"Short answer: Yes this is a scam. I see three different possibilities how they get you. I will rank them from ""best"" to worst Scammer A sends 100$ to you. You then follow his instructions and send back 50$ through WU (this is untraceable). He then contacts his bank and tells them he never intended to send that 100$ to you, then bank will then reverse that transaction and give him back his money, leaving you 50$ short. Scammer A hacks or scams innocent person B and either sends B:s money to you or tricks person B to do it. When person B reports this to the police it will look like you were behind the whole thing. The transaction will be reversed leaving you 50$ short and with unwanted police attention (see this article for an extreme example: https://www.wired.com/2015/10/online-dating-made-woman-pawn-global-crime-plot/) The nice person A wants to send money to a criminal syndicate or terrorist organization but don't want to be associated with it. Leaving you 50$ up (hurray) and possibly on a bunch of terrorist watch lists (ouch!). The extra info you provide wouldn't be necessary for any of these scams but I guess it could be nice to have for some regular identity theft. This is by no means an exhaustive list of all that the scammers could do. It's just a short list to show you how dangerous it would be to play along. To state the obvious, don't walk from this person, RUN!"


With our “Budget Closeouts” you can save a lot of money as we are agents and Buy closeout Apparel have a more affordable Towels and Bath items than other closeout sources. All products are below general costs. Purchase a few plenty and get even larger discounts.


I am an mba and a top IT manager for many years for a medium $3B company.   What they teach you in business school is many times either theoretical or not what happens in the real world.   So, yes, many mangers think IT=costs with no returns.   My company, who used to be only $200M 10 years ago, thinks and knows the correct thing. And we are not a software company.


Please realize that your issuer can close the account for any number of reasons.  Inactivity is one, as having a credit line open costs them money and if you never charge anything, the company doesn't get any transaction fees from vendors nor does the company get to charge you any interest. An occasional charge is likely to keep your card from being closed automatically, but it is not a guarantee. Another reason they may close the account is that you have other bad marks show up on your credit score, or their criteria for offering you the card change so you no longer match their target demographic. I have a credit card issued by my credit union that I have not used for a couple of years. They will not close the card account because my other accounts are still very profitable for them. If I were not an otherwise profitable customer, I wouldn't be surprised if they closed my credit card account. If you are serious about keeping the account open, you should probably have more than a trivial amount of usage.


you can check google scholar for some research reports on it.  depends how complex you want to get...  it is obviously a function of the size of the portfolio of each type of asset. do you have a full breakdown of securities held? you can get historical average volumes during different economic periods, categorized by interest rates for example, and then calculate the days required to liquidate the position, applying a discount on each subsequent day.


The best advice I've heard regarding market conditions is:  Buy into fear, and sell into greed. That is, get in when everyone is a bear and predicting economic collapse. Start selling when you hear stock picks at parties and family functions. That said. You are better off in the long term not letting emotion (of you or the market) control your investing decisions). Use dollar cost averaging to put a fixed amount in at fixed intervals and you will most likely end up better off for it.


I am also curious, and looked into Zopa here in the UK.  One major disadvantage is that it is not regulated by the FSA, so if things were to go tits up I would have absolutely zero protection.


"It took me a very longtime to learn that I no longer need to live like a starving student... and even now I live like a well-off student. And that's OK -- my needs and tastes are mostly simple. There's no reason to spend just for the sake of spending... but if you want something, and really can afford it after setting aside savings for retirement and emergency funds and basic operating capital, go for it. It may help to pick out a specific thing you want, or want to replace. My ""rules"" used to say that i was always allowed to spend money on books, music, and needed tools. Then i convinced myself that shelves are tools for storing other things. And that furniture is shelving for people. And that art, if it really speaks to me, is akin  to books. And that a decent instrument is a tool. And that my time has value, so sometimes it's less expensive in real term to throw money at a problem rather than scheduling my life around it. One step at a time, with all the steps making sense. I will still spend entirely too long agonizing over minor purchases, at times -- but that's about convincing myself that I like the choice I'm making, not about the price  per se. Meanwhile, saving means you can buy things later without having to borrow. The semi-student routine , and waiting until i was ready to buy,is why i had the value of a house in my investments when i was ready to buy one. And is why I'm almost at my target number for retirement well before my planned retirement date. One other thought: if you're comfortable buying gifts for others but don't tend to spend on yourself, you aren't a miser -- just frugal."


"In a sense, yes. There's a view in Yahoo Finance that looks like this   For this particular stock, a market order for 3000 shares (not even $4000, this is a reasonably small figure) will move the stock past $1.34, more than a 3% move.  Say, on the Ask side there are 100,000 shares, all with $10 ask. It would take a lot of orders to purchase all these shares, so for a while, the price may stay right at $10, or a bit lower if there are those willing to sell lower.  But, say that side showed $10 1000, $10.25 500, $10.50 1000. Now, the volume is so low that if I decided I wanted shares at any price, my order, a market order will actually drive the market price right up to $10.50 if I buy 2500 shares ""market"".  You see, however, even though I'm a small trader, I drove the price up. But now that the price is $10.50 when I go to sell all 2500 at $10.50, there are no bids to pay that much, so the price the next trade will occur at isn't known yet. There may be bids at $10, with asking (me) at $10.50. No trades will happen until a seller takes the $10 bid or other buyers and sellers come in."


I wrote a story on Reddit about being a black man not able to catch a cab in DC, Uber pays people to post online about how they're better than taxi cabs. They spammed my post with promo for their service. They also downvoted my comments that asked them why they were promoting during that specific time, and then they downvoted the entire thread once it stopped going in their desired direction. I then realized how diabolical they were at controlling their internet promo/image and decided to not use their service ever.  There is a big difference in providing a cost-effective and high quality service versus just promoting a service online. i don't think they know the difference. The minute their competition dies, I'm quite sure they'll go back to being the same as everyone else. Also I'm pretty sure they're in this thread already.


Why should one of the most profitable companies in the world, with over a million employees be forcing their workers to work less than a full 40 hour shift, and thereby deny them the basic benefits all other fulltime workers get?  Why does costco turn such a nice profit while treating their employees with respect and paying them well, all the while providing great customer service.....?  Just because you've seen unions put out poor service, does not mean their non-union equivalents are any better.  Capitalism is merely a tool that is supposed to benefit the people. As soon as capitalism starts to harm the people, it's time to put some rules in place to level the playing field. Unions are a means for workers to keep their employers in line; yes, they do sometimes go too far, but so does big business.


Its participating preferred with a 1x liquidation preference. Very unfriendly for the company owner. Most startups these days are seeded with convertible notes because there's less thinking about the valuation of the company; that question is booted to the series A. its also easier to draw up the legal docs; pretty much a standard loan agreement. Finally, it can be far friendlier for the owner depending on if the note is an uncapped note. This is expensive financing and your friend can definitely find cheaper money if he looks for it.


I just read this: Housing and inflation  Adjusted for inflation the price of a house has increased a miniscule amount. A better investment would be an ETF that buys REIT stocks. You would be investing in real estate but can cash in and walk away at any time.  Here is a list of mREITs: Stockchart of REITs


"For sake of simplicity, say the Euro is trading at $1.25. You have leveraged control of $100,000 given the 100x leverage. If you are bullish on the Euro, you are long 80,000 euros. For every 1% it rises, you gain $1000. If it drops by the same 1%, you are wiped out, you lost your $1000. With the contracts I am familiar with, there is a minimum margin, and your account is ""marked to market"" each night. If your positive balance drops too low, you get the margin call. It's a zero sum game, for every dollar you make, there's a guy on the other side of the trade. Odds are he's doing this full time and is smarter than you."


"No, I agreed with a situational abstract a few comments ago. The moment you say that the Government has a responsibility to provide anything, you get into what exactly that thing is (in this case a ""stable environment"").  I agree with the founding fathers.   Life  Liberty  The Pursuit of Happiness"


Color Doppler is an ultra sound scanner device used to estimate blood flow. EASTMED brand offers Color Doppler with stable image performance and diverse applications. The device is equipped with superior image quality, comprehensive functions, high cost effectiveness and mobility, which make it applicable to different body scans and clinic departments. It has made the diagnosis and treatment of blood related diseases much easy.


I'm a little confused -- you stated you're an accountant and that they are given a card, but in your reply, you are guessing and referring to other accountants instead of talking about your experience. Have you had any clients with the JPM Palladium, Centurion, Stratus, Coutts or First Royale cards? I know for a fact that 1% doesn't max out on Centurion (an individual purchased $170 million art at an auction and paid with his Centurion, earning him 170 million miles -- a lifetime of free travel)


It's all about keeping your employees happy and ensuring they feel like they're part of something other than a job. Make them feel like they're part of a family and support system. Throw in other things besides pizza parties once a month. Have corporate parties at your house on a weekend, or frequent happy hours. Have an employee of a month kind of thing or recognize your employees for the hard work they do. BUILD, SUPPORT, and SUSTAIN.


> If a business operates in the US, makes money here, has physical infrastructure and employees here, and utilizes our infrastructure I don't see how you can say that the US doesn't deserve any of that.  For fuck's sake, this isn't rocket science. Taxes made on profits from goods and services sold in the U.S. are ALREADY taxed in the U.S.  We are talking about profits from GE making engines in Germany and selling to the EU.


How many ways must I point out that though the classical methods accomplish a lot, they are failing now?  The embrace of Capitalism has reached the point where the failings become much more obvious.    This doesn’t mean we throw out the whole thing because part of the model doesn’t work.  Which, by the way, also seems to be the popular response lately!  “Part of it doesn’t work?  Throw the whole damn thing out!”  Surely the fact that this issue is such a sensitive and popular topic points to real issues that haven’t been addressed, yes?  So the current system IS NOT working as we’d like.  No matter how much data you gather, if the information fails to account for the situation we are observing (our unrest, income inequality issues, falling labor worth, rising cost of living), then data is incorrect for the full situation.  If the system refuses to recognized data due to police rival or religious beliefs, or any other ideaology, the system is now at fault for putting the ideaology above reality.  And I have not rebutted anything I felt was fine.  Why would I?  Do you think I disagree with every point you make?  Should I?


The article doesn’t show Obama targeting big cable specifically (at least in the parts that I can read, as the rest requires an account).  Secondly, I have been personally involved in this expansion of high speed to schools, which I know from vast personal experience need the speed badly.  Some have had only 1.5Mb/s to feed a school of 100 students.  Now the main internet companies out in our rural areas are getting competition because of these subsidies, by providers who are wliking to do the work to get high speed internet to these more remote location.  I happen to be on the front lines of this situation, actually.  What this is doing for the schools is rather amazing and sorely needed.  What it has done for competition in my area at least was also sorely needed.  So . . . I’m not really seeing the same issue from This particular subsidy.


"It is called context. You want to drop context to make your comment seem less silly. You could just say ""oh hey man, thats not what I meant"" but instead you want to play semantics and try your best to be technically correct in your head. Ok so you win, if we drop the context of this discussion and leave your comment in a void it says one thing. In the context of this discussion it says another. To some readers in this context some will see you as correct contextually because they agree with you, some will see you as correct technically because this is reddit and we have a hard-on for technicalities and then others like myself will look at the context and expect some sort of continuity with the context here.   You could try to clarify your comments understanding that we perhaps are not all best selling writers or you could get your parts in a knot and start an argument on the internet. what you do from here is up to you.   EDIT: Also you never did answer my question about high school/GEDs being good enough in your world are we dodging or are you just that fired up that I want to apply context to your statements?"


"Confused on amortization of intangibles.   Let's say I'm running a DCF on a firm that has lots of valuable customer contracts. Those contracts are amortized over 10 years. The annual intangible amortization amount is pretty high.  However, nowhere in their 10K do I see a correspondingly high CapEx number. Based on the footnotes, it seems that the contracts are ""cheap"" to acquire (just sales people salary) and don't have high CapEx.  Fundamentally I don't understand how they can amortize something at a rate higher than its cost basis (in terms of upfront cash out the door)."


CEOs are compensated with stocks and options on top of their salary. Most is in the form of stocks and options. You may see them with a fancy car, but they don't necessarily possess the car, house, etc. They merely control it, which is nearly as good. You may lease it, or time share it. It might be owned by the company and provided as a perk.  To earn a million, there are 4 ways: a job, self-employed, own a business, and invest. The fastest way is to own a business. The slowest way is a job or self-employed. Investing is medium. To learn more, read Rich Dad's Cashflow Quadrants.


Part of the costs to the insurance company is dealing with all those different billing parties. Reduce those costs and then more ideally goes to care.  That is the goal/promise.  That is the simplest way to see a cost savings.  There are details that most people won't ever understand. Without it, the costs will just stay high to support the extra expenses.


I'd think that liquidity and speed are prioritized (even over retail brokers and in come cases over PoP) for institutional traders who by default have large positions.  When the going gets tough, these guys are out and the small guys - trading through average retail brokers - are the ones left holding the empty bag.


Market Watch has an IPO calender with details of upcoming IPOs that should provide most of the information you need.


"To receive unemployment benefits, you must be registered with an employment agency and be actively seeking work, and be willing to accept work should it be offered to you. As a full-time Cornell University student, as you describe yourself, this does not seem a likely scenario. Also, you need to have established a state of residence. It is not clear to me that you have done so, given your travel between the South Pacific, Ithaca, New York, North Carolina etc. You should check with your local state unemployment office in New York State, or perhaps North Carolina, although I don't know if you satisfy residency requirements in either state. They will be able to confirm however. Are your parents claiming you as a dependent on their federal income taxes? If so, I do not believe that you will be able to file for unemployment benefits, regardless of your student status at Cornell University.  One more issue to consider: Have you filed tax returns for the income you received from your television production work? I am uncertain of the amount, as you said that you worked for two 4-month intervals making $10,000. That implies $20,000 of earnings over two years. Yet your bullet point number 7 states that you made ""10 grand each of the four months"". If that means that you made $10,000 per month for four months, then you earned $40,000 per summer, for a total of $80,000 for two summer's worth of work. I don't think unemployment benefits are intended for individuals in your situation."


Interesting, but I don't think we are talking the same thing. This seems to say that that the fund itself doesn't have the rule applied: I.E. the MF can't get hit with the 5% commission when you buy it.  That makes sense.  What I'm asking though is that when my (say) American Fund that I own already does a rebalance, the constituent holdings change. Those securities are not exempt from the rule and thus when they are transacted can have commissions applied.  As a matter of fact the broker for those securities has no idea if the fund is eligible or not.   Where did you get this from? As I'm. It studying for a series 7 I'm probably missing some foundational sources.


I forgot to respond to this comment. WorldQuant is nothing like MIT, Harvard, or the CFA institute.   You only need to take a look at their courses to see that. Where Compare their syllabus with the top 20 MFE programs:  https://www.quantnet.com/mfe-programs-rankings/  Where are their math courses? (Look for page 38)  https://wqu.org/wp-content/uploads/2017/01/WorldQuant-University-Catalog-Volume-2-1_10_17.pdf?v=76cb0a18730b%E2%80%9D  Compare with:  [University of Chicago's Financial Mathematics](https://finmath.uchicago.edu/page/five-quarter-track)  [NYU's Mathematics in Finance](https://math.nyu.edu/financial_mathematics/academics/courses/)  [Columbia Universities Financial Engineering](http://ieor.columbia.edu/concentration/259)  It's nowhere as rigorous as these programs. Key components of education in risk, derivatives modeling, stochastic calculus and more mathematics is completely missing. Not to mention there isn't even C++ as a requirement which is a must know for financial engineers.


"Annnd cue the wall-o-text.  Hokay, so here ya go. I'm the son of a commercial/industrial plumber who has been in the business for the past 28 years and does ~$2M/yr. in sales. First of all, you need to determine your target market. If he's planning on primarily doing residential work (i.e. fixing toilets, snaking drains et cetera) he may want to re-think things. Residential plumbers are typically not very well-paid, nor are they really well-liked (people assume that you're automatically an idiot or that you are trying to screw them in regards to your pricing). Commercial and industrial plumbing is where any money is at if he doesn't want to have a crew of 30-50 plumbers on-call 24/7, including holidays and weekends.   If he's interested in making a lot of money, he's got to first determine if he wants to be an open or closed shop (union status). Having a unionized company can sometimes grant you the ability to be awarded specific contracts for governmental bids on various buildings and schools, but these contracts are typically pretty difficult to get. Also, even if you do get the job, you're contractually obligated to use only unionized labor on the project, which can be to your benefit or to your detriment depending on the worker they send you. The other issue is that if you go for these types of contracts, there are plenty of other companies that you'll be competing against that have been in the business a long time and who already have pretty well set-up contacts for receiving that type of work. Also, as an aside, lettering your truck (putting a decal on the side or anything more than your plumbing license number) is typically union-only. This act typically differentiates unionized companies from non-union companies.   Next, he must decide what area of plumbing he wants to specialize in. There is process plumbing, fire sprinkler, medical gas piping, et cetera that he can choose to do that can focus his company into more of a niche market, granting him more work and higher prices for his work. This is your cash cow. Milk that bitch for all its worth.   As far as getting leads for work, you're going to want to sign up for Blue Book for construction leads. This may seem like a lot of money (a few hundred a month or so) but the leads it provides you with in terms of bidding for work is invaluable. If you want, you can set up a website, but honestly, I would say that it isn't worth your time in this field. We've had a website for a few years and get <100 hits/month on it even with Google Adwords just because this is not the type of industry where people (at least commercial and industrial owners) go to in order to find their subcontractors. Also, sign up with the Subcontractor's Association in your area. They provide you with leads and refer you out to other members and can provide you with new business on a regular basis.    You're going to want to keep track of EVERYTHING. Larger jobs are best kept in 4-6"" binders where they are sectioned off via tabs for quick reference. This will assist in keeping the jobs straight, keeping plans together, correspondence, quotes, materials, hours and everything else. It's taken us years to figure out a good method, and this has been the best one we've come up with to this point. Typically if a job is <$30,000 then it gets its own binder, otherwise it just gets a typical manilla file folder.   One thing to also keep in mind as you grow is to keep your shop as locked up as humanly possible. You may think that Joe Schmoe from down the street will be the one who is most likely to steal from you, but you'd be dead wrong. It's your employees. Tools have a way of walking out of your shop and getting 'lost' on job sites, or just simply are not returned, and it can get out of hand VERY quickly. A camera system is a very VERY good investment for this purpose.   And since I'm dead tired at this point, I'm going to leave this for now, but I'll be back to edit it to add in some more points if you're interested.  =D"


"Gold has value because for the most of the history of mankind's use of money, Gold and Silver have repeatedly been chosen by free markets as the best form of money. Gold is durable, portable, homogeneous, fungible, divisible, rare, and recognizable.   Until 1971, most of the world's currencies were backed by Gold.  In 1971, the US government defaulted on its obligation to redeem US Dollars (by which most other currencies were backed) in Gold, as agreed to by the Bretton Woods agreement of 1944.  We didn't choose to go off the Gold Standard, we had no choice - Foreign Central Banks were demanding redeption in Gold, and the US didn't have enough - we inflated too much.   I think that the current swell of interest in Gold is due to the recent massive increase in the Federal Reserve's balance sheet, plus the fast growing National debt, plus a looming Social Security / Medicare crisis.  People are looking for protection of their savings, and they wish to ""opt-out"" of the government bail-outs, government deficits, government run health-care, and government money printing.  They are looking for a currency that doesn't have a counter-party. ""Gold is money and nothing else"" - JP Morgan ""In the absence of the gold standard, there is no way to protect savings from confiscation through inflation. There is no safe store of value. If there were, the government would have to make its holding illegal, as was done in the case of gold. If everyone decided, for example, to convert all his bank deposits to silver or copper or any other good, and thereafter declined to accept checks as payment for goods, bank deposits would lose their purchasing power and government-created bank credit would be worthless as a claim on goods. The financial policy of the welfare state requires that there be no way for the owners of wealth to protect themselves. This is the shabby secret of the welfare statists' tirades against gold. Deficit spending is simply a scheme for the confiscation of wealth. Gold stands in the way of this insidious process. It stands as a protector of property rights. If one grasps this, one has no difficulty in understanding the statists' antagonism toward the gold standard."" - Alan Greenspan"


"No, you cannot do that. You can't just debit someone because ""he said so"". You'll need a document in writing, that would show the routing number, account number, the amount to withdraw and who is allowed to withdraw it. This document must be signed by the account owner and dated. Usually, these documents are called ""checks"". But legally speaking, in most countries you can write this on any piece of paper and it would be valid. But better use a standard check. Once you have a check - you can cash/deposit it in any bank, that part is true."


As a tenured professor, has your SO done any grant or departmental budgeting? If so, perhaps you can ask how your SO managed that and can apply the same techniques to the household budget. If your SO plans to become Chair or move into administration,  budgets will be necessary.  Although this may frighten you SO and backfire,  you should also speak about what might happen if you become ill or otherwise unable to manage the finances.  Does your SO have any financially savvy friends or colleagues? A more independent voice may help.


"I'm surprised there's so little sympathy for the model here. Her image was used in a sexual context without her awareness or consent. What BK did was probably legal but definitely immoral. If a male model sold the rights to a picture of his face would it be OK to make billboards saying ""This is the face of an abuser""?   As for the reaction to her using the word ""rape"", yes it was probably unnecessary and insensitive on her part. However, she quite reasonably feels violated in a sexual way and was drawing attention to that. I don't think that a poor word choice should distract us from the fact that she has a very reasonable gripe with how her picture was used."


Để trở thành Trader chuyên nhận Ủy thác đầu tư là một sự thay đổi lớn trong tư duy, trải nghiệm, trả giá cho sự nghiệp Trade. Jimmy hạnh phúc khi trở thành Trader mặc dù có những thời điểm thua lỗ liên tục đến mức Jimmy không còn 1 xu dính túi nhưng bù lại, mỗi đồng tiền mà Jimmy kiếm được đều là những đồng tiền khi Khách hàng của Jimmy thắng.  Cá nhân Jimmy và Jimmy Group phục vụ cộng đồng trước khi phục vụ cho bản thân mình => có thể xem là hành động của sự chuộc lỗi của cá nhân Jimmy đối với anh Phạm Trung Hưng – người khách hàng đầu tiên đã nuôi Jimmy … trong khi Jimmy ko giúp anh Hưng chiến thắng được => để anh Hưng phải thua lỗ thảm hại … (trong năm 2010)  Cam kết của Jimmy và các thành viên của Jimmy Group là luôn luôn đồng hành cùng Nhà đầu tư chinh phục Thị trường Đầu tư Tài chính, không bao giờ phục vụ cho những đơn vị làm ăn gian dối nhằm lùa Nhà đầu tư vào các sòng cờ bạc để đốt tiền mua cảm xúc !


It would depend on the market you are in, state/city. 15k isn't a lot to get started on anything really serious. As for kicking the guy out? Wouldn't that take money away from your father from rent? If you know anything about PC repair, you can go get your A+ cert and setup shop in your home, and leave the money coming in for rent. Build up a client base and when you start growing, rent your own space or then kick the guy out. Crawl, before you walk. It seems you want to start out running.   Overall, I would just say look at your local market, and figure out what they are in need of, then go from there. That is the safest way you could possibly use the money.   If you know anything about cars, you can go to auctions, and ads in the paper, buy cars, fix them or put them up for sale. Ideally you could buy about 3 or 4 cars with that money, then make about 1k on each by reselling. Depending on your area after 3 cars in x amount of time, you may have to get a dealers license.


>So what you're saying is if the janitor got a degree in a lesser paying field, he should be entitled to that 100k as a janitor. Ok.   Nope. I did not say that. How you got that  from what I said is beyond understanding. Perhaps  you should really learn  basic logic. Or you are just a fucking asshole who  repeatedly ignores what has been said and pretends something else was said. Again because your small brain cannot comprehend this a janitor is not entitled to a  better pay because special skills are not required to do his job and anyone can do it. Doesn't matter how many degrees the janitor has if he is not using those skills.    >Just because you went to college doesn't mean your job takes more skill, or is harder.  True. Finally you made a true statement. Here would you like a gold star and a sticker? Sadly for you noone has said that just because you went to college your job requires more skills or is harder. Alas the janitor job requires neither skill nor knowledge and is therefore going to remain a lower class job that is badly paid (compared to the area's cost of living).  >My ex also has a brother who didn't go to college and got a bomb ass job at EA games as a programmer. I guess he deserves minimum wage.   You are beyond retarded. There are other ways to get skills besides college. Your ex's brother acquired them, got a job that uses them and is getting a salary better than your no special skills needed janitor.


The stock market is not the economy you dimwit. Also, it takes several months for economic policy decisions to take effect, as others have pointed out, so current economic situation is largely the effects of the previous administration.  This doesn't mean Trump is doing a bad job, it's just too early to tell for the time being. So stop being a stupid cunt and sucking Trump's proverbial cock, the man doesn't even know you exist and he's not an emperor and you shouldn't act like a peasant grovelling to get his grace bestowed upon you, you fucking dirt farmer.