Retail is not in crisis... In fact it in in a reinvention stage.  You see the problem Sears is facing, and Wal-Mart will face is the fact that the digital transformation is proving to be a jobs engine therefore meaning it will not stop.  Additionally you have the problem of selection... Wal-Mart, Sears, KMart all use to work for busy busy Americans in a up swinging economy.  Quick one stop shops that were often much cheaper then their local counter parts.  This was achieved by using the same model that is now completely obsolete.  That model paired large broad selection spanning multiple departments and categories.  This model could never afford to display a full variety of products in any one category so it choose a selection of strong selling brands.  It was all mass appeal.  Today more and more consumers want a bigger selection, nicer cutting edge products, and knowledge.  Additionally they want speed and convenience.  Nothing about this describes a Wal-Mart which are usually located in-between residential areas, as opposed to strip malls which have crept into many suburban areas.  Same with Sears.  Malls scream traffic and time, and are usually located far away from main street and my street.    Want a true prediction.  The death of Sears is followed by a rapid decline in Wal-Mart as Kroger overtakes Wal-Mart in reach and scale.  LIDL grows across the landscape capitalizing on excess retail space.  Amazon splits into two; with grocery/pharmacy being a major piece of a new company and they continue to streamline your grocery visit.  And last but not least, main street thrives.  With The big department stores disappearing, their competition will fill the void.  Best part of this scenario is the result in the economic market.


Out of curiosity what do you like about buying shoes online other than the convenience  of not having to go to store?   I personally can't get into the habit of buying clothes and especially shoes without trying them on. Usually end up trying on 5+ shoes before I find the one that feels the best.


"First off, leaving money in a 529 account is not that bad, since you may always change the beneficiary to most any blood relative.  So if you have leftovers, you don't HAVE to pay the 10% penalty if you have a grandchild, for instance, that can use it.  But if you would rather have the money out, then you need a strategy to get it out that is tax efficient. My prescription for managing a situation like this is not to pay directly out of the 529 account, but instead calculate your cost of education up-front and withdraw that money at the beginning of the school year.  You can keep it in a separate account, but that's not necessary.  The amount you withdraw should be equal to what the education costs, which may be estimated by taking the budget that the school publishes minus grants and scholarships.  You should have all of those numbers before the first day of school.  This is amount $X. During the year, write all the checks out of your regular account.  At the end of the school year, you should expect to have no money left in the account.  I presume that the budget is exactly what you will spend.  If not, you might need to make a few adjustments, but this answer will presume you spend exactly $X during the fall and the spring of the next year. In order to get more out of the 529 without paying penalties, you are allowed to remove money without penalty, but having the gains taxed ($y + $z).  You have the choice of having the 529 funds directed to the educational institution, the student, or yourself.  If you direct the funds to the student, the gains portion would be taxed at the student's rate.  Everyone's tax situation is different, and of course there is a linkage between the parent's taxes and student's taxes, but it may be efficient to have the 529 funds directed to the student.  For instance, if the student doesn't have much income, they might not even be required to file income tax.  If that's the case, they may be able to remove an amount, $y, from the 529 account and still not need to file.  For instance, let's say the student has no unearned income, and the gains in the 529 account were 50%.  The student could get a check for $2,000, $1,000 would be gains, but that low amount may mean the student was not required to file. Or if it's more important to get more money out of the account, the student could remove the total amount of the grants plus scholarships ($y + $z).  No penalty would be due, just the taxes on the gains.  And at the student's tax rate (generally, but check your own situation). Finally, if you really want the money out of the account, you could remove a check ($y + $z + $p).  You'd pay tax on the gains of the sum, but penalty of 10% only on the $p portion. This answer does not include the math that goes along with securing some tax credits, so if those credits still are around as you're working through this, consider this article (which requires site sign-up).  In part, this article says: How much to withdraw -    ... For most parents, it will be 100% of the beneficiary’s qualified higher education expenses paid this year—tuition, fees, books, supplies, equipment, and room and board—less $4,000. The $4,000 is redirected to the American Opportunity Tax Credit (AOTC),... When to withdraw it -    Take withdrawals in the same calendar year that the qualified expenses were paid. .... Designating the distributee -    Since it is usually best that the Form 1099-Q be issued to the beneficiary, and show the beneficiary’s social security number, I prefer to use either option (2) or (3) [ (2) a check made out to the account beneficiary, or (3) a check made out to the educational institution] What about scholarships? -    The 10 percent penalty on a non-qualified distribution from a 529 plan is waived when the excess distribution can be attributed to tax-free scholarships. While there is no direct guidance from the IRS, many tax experts believe the distribution and the scholarship do not have to match up in the same calendar year when applying the penalty waiver. If you're curious about timing (taking non-penalty grants and scholarship money out), there is this link, which says you ""probably"" are allowed to accumulate grants and scholarship totals, for tax purposes, over multiple years."


I love technical analysis, and use candlesticks as part of my technical analysis system for trading mutual funds in my 401K. However, I would never use a candlestick chart on its own.  I use combination of candlesticks, 2 different EMAs, MACD, bollinger bands, RSI and hand drawn trend lines that I constantly tweak.  That's about as much data input as I can handle, but it is possible to graph it all at once and see it at a glance if you have the right trading platform. My approach is very personal, not very aggressive, and took me years to develop. But it's fairly effective - 90% + of my trades are winners. The big advantage of technical analysis is that it forces you to create repeatable rules around which you base your trading.  A lot of the time I have little attention at all on what fund I am trading or why it is doing well in that particular market condition. It's basically irrelevant as the technical system tells when to buy and sell, and stops you trying to second guess whether housing, chemicals, gold or asian tigers are is doing well right now. If you don't keep to your own rules, you have only yourself to blame. This keeps you from blaming the market, which is completely out of your control. I explain many of my trades with anotated graphs at http://neurotrade.blogspot.com/


I know that there are a lot service on the internet helping to form an LLC online with a fee around $49. Is it neccessarry to pay them to have an LLC or I can do that myself? No, you can do it yourself. The $49 is for your convenience, but there's nothing they can do that you wouldn't be able to do on your own. What I need to know and what I need to do before forming an LLC? You need to know that LLC is a legal structure that is designed to provide legal protections. As such, it is prudent to talk to a legal adviser, i.e.: a Virginia-licensed attorney. Is it possible if I hire some employees who living in India? Is the salary for my employees a expense? Do I need to claim this expense? This, I guess, is entirely unrelated to your questions about LLC. Yes, it is possible. The salary you pay your employees is your expense. You need to claim it, otherwise you'd be inflating your earnings which in certain circumstances may constitute fraud. What I need to do to protect my company? For physical protection, you'd probably hire a security guard. If you're talking about legal protections, then again - talk to a lawyer. What can I do to reduce taxes? Vote for a politician that promises to reduce taxes. Most of them never deliver though. Otherwise you can do what everyone else is doing - tax planning. That is - plan ahead your expenses, time your invoices and utilize tax deferral programs etc. Talk to your tax adviser, who should be a EA or a CPA licensed in Virginia. What I need to know after forming an LLC? You'll need to learn what are the filing requirements in your State (annual reports, tax reports, business taxes, sales taxes, payroll taxes, etc). Most are the same for same proprietors and LLCs, so you probably will not be adding to much extra red-tape. Your attorney and tax adviser will help you with this, but you can also research yourself on the Virginia department of corporations/State department (whichever deals with LLCs).


That is telling about our financial system. I suppose a lot of the derivative stuff is due to functional debt? However lets leave this for now.   What I am getting at is that how can there be a way for rich people to be richer than they where supposed to, if we know where all the money is.


Right it's less or a headache but they still pay more to use the staffing agency overall than they would doing it themselves, benefits or not. Staffing agencies wouldn't be able to make money if that weren't true.  Generally if you are making about $10 an hour the factory is actually paying like $13 hour to the staffing agency.   They mostly just do it so it's super easy to get rid of you with no hastle, if they don't like you. The staffing agencies just places you somewhere else.


My experience (from European countries, but not Portugal specifically) is that it's better to change in the European country, as many banks will give you US $ as a matter of course, while in the US (insular place that it is), it can be rather difficult to find a place to exchange money outside an international airport.  In fact, I have a few hundred Euros left from my last trip, several years ago.  Expected to make another trip which didn't come off, and haven't found a place to exchange them. PS: Just for information's sake, at the time I was working in Europe, and found that by far the easiest way to transfer part of my salary back home was to get $100 bills from my European bank.  Another way was to withdraw money from an ATM, as the US & European banks were on the same network.  Unfortunately the IRS put a stop to that, though I don't know if it was all banks, or just the particular one I was using.  Might be worth checking, though.


"what are the incentives to that person to actually pay off his/her debt as opposed to just walking away from it and relying on the cash (s)he has for the future spending needs as opposed to borrowing Well, you can't just ""walk away"" from debt - you still owe it. Eventually your creditors would end up suing you in court for the money, plus interest owed.  I suppose you could try to continually duck the authorities, but you'd still owe the money legally."


On the US markets, most index options are European style.  Most stock and ETF options are, as you noted, American style.


I am not an accountant, but I have a light accounting background, despite being primarily an engineer.  I also have a tiny schedule C business which has both better and worse years.  I am also in the United States and pay US taxes.  I assume you are referring to the US Form 1040 tax return, with the attached Schedule C.  However little I know about US taxes, I know nothing about foreign taxes. You are a cash-basis taxpayer, so the transactions that happen in each tax year are based on the cash paid and cash received in that year.  You were paid last year, you computed your schedule C based on last year's actual transactions, and you paid taxes on that income. You can not recompute last years schedule C based on the warranty claim. You might want to switch to an accrual accounting method, where you can book allowances for warranty claims.  It is more complex, and if your business is spotty and low volume, it may be more trouble than it is worth. At this point, you have two months to look for ways to shift expenses into next year or being income into this year, both of which help offset this loss. Perhaps a really aggressive accountant would advise otherwise (and remember, I am not an accountant), but I would take the lumps and move on. This article on LegalZoom (link here) discusses how to apply a significant net operating loss (NOL) in this year to the previous two years, and potentially carry it forward to the next two years.  This does involve filing amended returns for the prior two years, showing this year's NOL.  For this to be relevant, your schedule C loss this year must exceed your other W2 and self-employment income this year, with other tests also applied. Perhaps a really aggressive accountant would advise otherwise (and remember, I am not an accountant), but I would take the lumps and move on.


"You are not allowed to take a retirement account and move it into the beneficiary's name, an inherited IRA is titled as ""Deceased Name for the benefit of Beneficiary name"". Breaking the correct titling makes the entire account non-retirement and tax is due on the funds that were not yet taxed. If I am mistaken and titling remained correct, RMDs are not avoidable, they are taken based on your Wife's life expectancy from a table in Pub 590, and the divisor is reduced by one each year.  Page 86 is ""table 1"" and provides the divisor to use. For example, at age 50, your wife's divisor is 34.2 (or 2.924%). Each year it decrements by 1, you do not go back to the table each year. It sounds like the seller's recommendation bordered on misconduct, and the firm behind him can be made to release you from this and refund the likely high fees he took from you. Without more details, it's tough to say. I wish you well. The only beneficiary that just takes possession into his/her own account is the surviving spouse. Others have to do what I first described."


"The short answer is yes you can, but you have to make sure you do it correctly.  If you are employed by a tech company that does contract work at a separate location and you don't get reimbursed by your employer for travel expenses, you can claim the mileage between your home and location B as a business expense, but there's a catch - you have to subtract the mileage between your home and location A (your employer). So if it's 20 miles from your house to your employer (location A), and 30 miles from your house to the business you're contracting at (location B), you can only claim 10 miles each way (so 20 miles total). Obviously if the distance to location B is closer than your employer (location A), you're out of luck. You will have to itemize to take this deduction, by filling out a Schedule A for itemized deductions and Form 2106 to calculate how much of a deduction for travel expenses you can take. Google ""should i itemize"", if you're unsure whether to take the Standard Deduction or Itemize. Sources:"


Will the taxpayers be given a refund on their tax bills if this deal goesn't through?  What else will the tax dollars be spent on ?  The reality is, either the state can invest in things that create jobs, or they can spend on things that create nothing.


Best buy also has free delivery on most TVs that include a basic setup and haul away on a tv if you want it. It depends store to store if they will price match to online sites though they normally add in the shipping cost to the match if there is any shipping fee.


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First is storage which is a big and a detrimental headache. Security is another big headache. Investing in precious metal has always been an investment opportunity in the countries in the east i.e. India and China because of cultural reason and due to absence of investment opportunities for the less fortunate ones. It isn't the case so in the West. Secondly what is the right an opportune moment is open to question. When the worlwide economy is up and running, that is probably the time to buy i.e. people would like to put money in use rather than store. The saying goes the other way when the economy is stagnating. Then there is also the case of waiting out the bad periods to sell your gold and silver. If you do want to buy precious metals then use a service like BullionVault, rather than doing those yourself. It takes care of the 2 big headaches, I mentioned earlier.


Per the Washington Post, [here](http://www.washingtonpost.com/wp-dyn/content/article/2010/12/25/AR2010122502600.html):    *The BPP's inflation measure is markedly different from the government's. The economists average all the prices culled online, meaning the basket of goods is whatever you can buy on the Web. (Some items, like books, are most often bought online. Others, like cats, are not.) Plus, the researchers do not weight certain items' prices, even if they tend to make up a larger proportion of household spending.*  *Still, thus far, the BPP has tracked the CPI closely.*


Hopefully they'll put in some kind of online ordering and curbside pickup because all the Whole Foods stores around here have ridiculously small parking lots.     Plus all the spaces are painted in extra small.    Avoid unless you're driving an old banger that you don't mind some nutter scraping the side of with their SUV.


Not surprised.  This is on the back of several news stories of UK Businesses' complaints about the company. The now infamous stories of how a business was overwhelmed by customers, how the deal was poorly structured, and the most damage revelation that there is rarely an increase in business post-deal.


I'm sure the people at *The Weinstein Company* had absolutely no idea, and had never heard rumors, that he used his position to take advantage of women sexually.  /s  Hollywood is a chatty Kathy industry.  There's a 0.00% chance the higher ups at his company didn't know what he did on his casting couch.  So, I'm not sure what good it does for an organization that almost assuredly turned a blind eye has fired the man the turned a blind eye towards.


in the time of pregnancy, we have to be careful about mother and newborn baby. All related information like what should a pregnant woman not eat, pregnancy tracker, calculator etc. you will find at our website.


Well, yes, it's just an observation.  But I travel 100 days per year or so and for years I was saving money and staying in awesome places in many different countries.  Now when I go on airbnb prices I just don't see the value anymore.


Well-defined definitions of a successful tax plan and its likely outcomes. Concrete, simple tax brackets. Hard numbers with real world value, not rhetorical promises washed through special interest groups and lobbyists. Well done.  There's no way the current administration will do anything remotely this intelligent.


"As others have pointed out, the theoretical prices in each exchange rate are identical. However, the cost to you may vary. You need to work out the ""opportunity cost"" of using each of the three currencies, because you lose money every time you convert between two currencies. Let's supposed for example that you live in Canada and earn and spend CAD there, but also happen to have some HKD. To keep this simple I'll ignore the USD, but you can apply the same reasoning to that. If you're not planning on visiting Hong Kong for a while, then your holdings of HKD are just gathering dust, so your choices are to convert them to CAD and make the GBP purchase in CAD, or to spend the HKD directly on the GBP purchase. Probably the first option will end up costing you more in conversion fees than the second, but you need to look at the precise costs to verify this. If you are planning on visiting Hong Kong soon and will need the HKD, then the choices are somewhat different. You can either spend CAD on the GBP purchase, or you can spend the HKD on the GBP purchase and then soon convert some CAD into more HKD for your trip. In this case the first option will probably end up costing you less in conversion fees."


> Ok, I see your sarcasm, but what specifically did the executives do to cause the scandal?  You should read this:  https://www.vanityfair.com/news/2017/05/wells-fargo-corporate-culture-fraud  And this:  http://fortune.com/2016/10/12/wells-fargo-fake-accounts-scandal/   And watch this sack of shit who walked away with a $133M payday testifying before Congress:  https://www.youtube.com/watch?v=xJhkX74D10M  If you're sincere, it's hard for me to believe that these things won't change your mind.  If I'm wrong, there's not much point in continuing.


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As a person that has used android for a long time and use an iphone for work. noification lights are good so it doesn't double alert you if you ignore it is nice. custom keyboards, anything you don't like that's stock can be changed (especially with the s4 and s5 because the samsung keyboard and touchwiz launcher are shit) the one thing I can give the iphone over my other phones especially on the 5s is the Camera even though they seem to have that iphone picture look the camera just works so much better


Shop lots of houses.  Find at least three you want and start by offering a low price and working your way up.  Your risk is that houses you would have liked get bought by someone else while you are negotiating, that is how you discover how much you actually have to pay to get a house.   Brokers only get paid if a deal closes.  That is their incentive to get you a better price.  If they know you will buy a different house unless the one they are selling gets your business, then they will work to make that happen.


Buying stocks is like an auction. Put in the price you want to pay and see if someone is willing to sell at that price.  Thing to remember about after hours trading; There is a lot less supply so there's always a larger bid/ask price spread. That's the price brokers charge to handle the stocks they broker over and above the fee.  That means you will always pay more after the market closes. Unless it is bad news, but I don't think you want to buy when that happens. I think a lot of the after market trading is to manipulate the market. Traders drive up the price overnight with small purchases then sell their large holdings when the market opens.


It might be illegal for the very reason you stated: The process of printing checks may seem like check forgery. Banks in the US are allowed to do that, and the only condition under which you can do it with your iPhone (again, in the US) is the same as the one for banks: you can produce the original check on demand. Of course, if the whole thing is legit and no-one is going to dispute the check (=no-one will demand the original from you), it might work (legal issues aside). It works in the US. Beware of several things: It might not work. Banks can demand the original. If you can't produce one on demand, especially if the transaction is reported as fraudulent, you may get into a lot of trouble. Photocopying checks might not be legal in your jurisdiction (you're not in the US, you need to check local laws). Photocopying checks may result in images that cannot be deposited (like the word VOID appearing all around). That doesn't usually happen when taking a snapshot with an iPhone, but it happens (seen that myself, when scanned checks for records) if you're scanning. Deposit by scan/picture is usually limited to low amounts (I know that Chase limits it at several hundreds, I had troubles depositing $2K checks with them through the phone).


"You are reading the balance sheet wrong. Everything Joe says is completely correct, but more fundamentally you have missed out on a huge pile of assets. ""Current assets"" is only short term assets. You have omitted more than $300B in long-term assets, primarily plant and equipment. The balance sheet explicitly says: Net tangible Assets (i.e. surplus of assets over liabilities) $174B"


I'm guessing that you've reached the value limit of a payment that can be made without linking your account to a bank account. While you want privacy, PayPal wants to not be a money launderer. You may need to seek an alternative way to pay for this if you're trying to be private about it.


Smartass!  :)  In my younger days, after leaving college and the area where I grew up, I taught myself 2 different careers while working and supporting myself.  I see lots of people partying and playing while working at some unskilled job, and I just know they'll probably be complaining when the get older about how they can't find a job because they're too old to do that work now.  Anyway, I've gone far enough in the world - if I go any further, I'll drown (I moved from the east coast to the SF Bay Area).  :)


No, don't bother.  You need to decide what you are saving for, and how much risk you are prepared to take. It would make sense if you wanted the money only in x years, and couldn't afford to lose say 20% or more if the stock market crashed the day before you needed the cash.  Typically if you are about to retire and buy an annuity, you want to protect your capital.  This isn't you. At 28, you might be saving for a wedding, a deposit on a house, possibly for school fees, or for eventual retirement.  It doesn't sound like you need to get back exactly 24k in July 2022. Keep the 6 months expenses in accounts that you can withdraw from at short notice.  Some of this in a current account, some might be in a savings account that doesn't pay interest if you make withdrawals. After that, I'd stick most of the rest in stock market tracker funds, but you might go for actively managed funds instead (ask another question and take professional advice, there will presumably be local tax considerations too), and add in most of your monthly savings too.  These should beat the 2.3% over the 5 years, and you can liquidate them easily if you want to buy a house. If there is a recession and a stock market dip, you presumably have the flexibility to hold on to them longer for the economy to recover.  And if you are intending to buy a house, then a recession will probably also involve a fall in house prices, so the loss in your savings will be somewhat balanced by the drop in the purchase price of your house. Of course, the worst case scenario is a severe downturn where you lose your job, are unemployed for a considerable period of time, burn through your emergency fund, and need to sell shares at a considerable loss to meet your expenses.   You might have family or dependents that you can borrow from or would need to support, which would change your tolerance for risk.  Having money locked away for 5 years in this scenario is even worse.  So if you don't want to put all your non-emergency savings into the stock market, you still want to choose something that is accessible at a slightly lower interest rate. But ultimately it sounds like you can afford to lose some of your savings, and the probability is that you will be rewarded with much better returns than 2.3% over 5 years.


Yes, it is bullshit. I get paid by a health care provider to make sure each claim is submitted in a manner most advantageous to the provider.  And I can assure you that at the end of the day the only things changed are several formulas in a program.  Internally it's called Diagnostic Recategorization and it has been blessed by the government as a fair practice.  Believe what you like.


I don't know how taxes work in Israel, but I imagine it is relatively similar to taxes in the US. In the US you need to pay taxes on investment earnings when you sell them or in this case trade them for something of value. The amount that would typically would be taxed on would be the difference between how much you paid for the currency and the value of the item you traded it for.  In theory there shouldn't be any difference in trading bitcoins versus dollars or euros. Reality is that they are rather weird and I don't know what category they would fall into. Are they a currency or a collectors item? I think this is all rather hypothetical because there is no way for any government to track digital currencies and any taxes paid would be based on the honor system.  I am not an account and the preceding was not tax advice...


You've got a great emergency fund built up and no credit card debt. That's something to be proud of. If you didn't already have those two things taken care of, that would be your first priority.  If I were in your situation, I would pay off the student loan. Yes, it's a low interest rate, but you've got the opportunity to pay it off completely and eliminate a monthly payment from your life. Take it.  I don't know if you've already contributed to your Roth IRA for this year or not, but I would set aside $11,000 to cover the max contribution to your Roth IRA for this year and next year.  That leaves about $10,000 left. Do you have any money set aside for your next car? If not, allocate most of this money toward your next car. When you need to buy another car, you will be able to pay cash and avoid a car loan.


> zIt will definitely cut current jobs, but the cost savings on wages will eventually reach the consumer in the form of lower prices, assuming some level of competition exists.  Many markets are very specialized or protected by moats of various sorts, so I don't think it's reasonable to automatically assume competitive efficiency.   > The consumers will then have more money to spend on other goods and services, creating demand for new jobs.  How does that work, exactly? Capital can just keep on being substituted for labor, and though some expertise is required, it's often not needed at the quantity of a full time job.  What if the wealth from automation were increasingly captured by fewer people, and a self-reinforcing effect were to occur? And what if there were solid data backing up that idea?


Collections companies buy debt for a fraction of the face value of the debt (as little as 5-7 cents on the dollar), and you can often settle debt for a fraction of the face amount (perhaps 10-25 cents on the dollar). But there are several considerations.  Do you owe the debt (is it a legitimate debt), can you afford to pay the debt, what is the age of the debt (remember, there is a statute of limitations on debt, varies by state), and what are the consequences of non-payment or settlement of the debt. Rather than confirm that you owe the debt, tell the debt collector that you need proof that the debt is yours (you should do this by certified letter).  Be careful not to confirm the debt, or agree to pay it, or make any payments (yet). You said that your doctor ordered the product for you. You said the company sent you a product (you have the product). Once you have confirmed that the debt is yours, you should determine the age of the debt (when was the last time you paid on the debt).  Each state has statute of limitations on debt, depending upon the age of the debt (this is why it is important not to send the collector money until you have verified the debt). You did not state when the debt was incurred (assume under SoL). Ask yourself whether you can afford to pay the debt.  The amount of the debt, and your ability to pay, and whether you want to avoid the time and expense of dealing with the collector (they are trained to be annoying) are all factors to consider.  You should also consider the negative consequences (credit score effects), and whether the cost of a derogatory entry is worth fighting the debt. You did not explain your financial situation; paying the $55 may be trivial, or it may be a hardship. Before you settle any debt, you should send a letter (keep a copy and proof you sent it, certified), and demand that the debt collector provide proof that you owe the debt.  Often this proof does not exist, or is insufficient to gain a judgement (you would need legal help here).  And should a debt collector agree to settle the debt for a lower amount, you need to get that agreement in writing.  Be aware that when you settle a debt, the collector can (and will) send you a 1099 for the portion of the debt which has been forgiven, and can report to the credit bureaus that you settled a debt for less than the full amount (negative mark against credit).  Derogatory credit items will haunt you for years. Decide whether saving $20, $30 or even $55 is worth the trouble.  Probably not. Learn from this. When a company sends you something you did not order, contact them, and send it back or demand they pay shipping, and send them a letter demanding $5/day storage and $20 handling fee to ship it back to them. Disclaimer: Heed the insane ravings of a deranged heretic at your peril... hire a lawyer.


Because you have one major bank saying they don't want to be involved with bitcoin, and another saying that they may go deeper in to it. It's interesting just because of the contrast of the two.  Personally, I suspect there's a lot of low hanging fruit in cryptocurrency trading, especially given that most people in on cryptos seem to be retail individuals like ourselves, and probably relatively unsophisticated.


Or I am in it for the long hall and am full expecting it to go down again. Probably two or three more times before I retire. Just gotta ride it out and have a stomach for when it goes down. Stick to the plan because history always repeats itself. I think 2007 showed us anything is that the governments will risk massive inflation before it lets the market fail. And if inflation hits you want your money wrapped up in the market to grow at the correct rate.


Honestly its their job to pay as little in taxes as possible.  Its like any normal person who writes off work clothes as a tax deductible. Might as well do everything youre legally able to do.  The government leaves tax loopholes in the tax code, they know they are there, take advantage, lord knows your competitors are.


You could buy a money order with your cash, then mail the money order to Deutsche Bank Germany for deposit into your account. You could also buy a prepaid debit card (like a Visa/AMEX giftcard) with your cash. Then, open a new Paypal account and add this prepaid card. Finally, send money to yourself using the prepaid card as the funding source. You could use a money transfer service, like Western Union, to transfer the cash to a friend/family in Germany. Then ask them to deposit it for you at Deutsche Bank Germany.


>will probably know better than you when their current business model is about to fail  I seriously doubt it.  Industry leaders who have (semi) monopolies rarely see the new threats, when they do it's when they are being passed by.  Microsoft, Nokia, and GM should have seen Apple/Google, Apple/Android, and Honda/Toyota, respectively.  Fox came in the 80's and the big 3 networks laughed.  They also ignored CNN and other cable networks, at first.    The TV networks have been steadily moving to live, variety type shows that are cheap to produce and require real time watching.  Japanese TV pioneered this format a decade before the US networks moved in on it.  The epitome of this is morning TV 'news' programs (in Japan) that post newspapers and read from the articles and comment on them.  It's got to be the cheapest production possible, but ratings are good enough so now all the Japanese networks do this (more or less).  The broadcast networks will keep cutting production costs until they become the AM radio of TV.  Cable networks will either become content producers or wither away, too.  Internet distribution with its on demand and interactive capabilities will take over in the next 20 years.  Costs will be shared between the audience being interactive with the commercials shown and advertisers.  No commercials, pay full price;  do surveys and click along as you watch, pay nothing.


"This is the best tl;dr I could make, [original](http://thehill.com/homenews/administration/348374-top-trump-economic-adviser-told-dems-only-morons-pay-the-estate-tax) reduced by 71%. (I'm a bot) ***** > Gary Cohn, the director of the National Economic Council, told a group of Senate Democrats during a meeting earlier this year that &quot;Only morons pay the estate tax,&quot; according to a New York Times report.  > President Trump has publicly railed against the estate tax - often referred to as a &quot;Death tax&quot; - and has vowed to fully repeal it.  > The estate tax is levied on the transfer of property for deceased individuals with an estate worth more than $5.49 million.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6xuvf3/top_trump_economic_adviser_told_dems_only_morons/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~203616 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **tax**^#1 **Cohn**^#2 **percent**^#3 **Trump**^#4 **Times**^#5"


At least part of it, I'm sure. There's also increased competition from a large millennial generation and older generations who are actively seeking employment for the same jobs. There's no doubt about it: it's tough out there.


Your understanding of the stock market is absolutely correct theoretically. However there is a lot more to it. A stock on a given day is effected by a lot of factors. These factors could really be anything. For example, if you are buying a stock in an agricultural company and there was no rainfall this year, there is a big chance that your stock will lose value. There is also a chance that a war breaks out tomorrow and due to all the government spending on the war, the economy collapses and effects the prices of stocks. Why does this happen? This happens because bad rainfall or war can get people to lose confidence in a stock market. On the other hand GDP growth and low unemployment rates can make people think positive and increase the demand in a stock driving the prices up. The main factor in the stock market is sentiment(How people perceive certain news). This causes a stock to rise or fall even before the event actually happens. (For example:- Weather pundits predicted good rainfall for next year. That news is already known to people, so if the weather pundit was correct, it might not drive the prices up. However, if the rainfall was way better than people expected it to be it would drive the price up and vice versa.   These are just examples at a basic level. There are a lot of other factors which determine the price of the stock. The best way to look at it(In my personal opinion) is the way Warren Buffet puts it, i.e. look at the stock as a business and see the potential growth over a long period of time.  There will be unexpected events, but in the long run, the business must be profitable. There are various ways to value a company such as Price to earnings ratios, PEG ratios, discounted cash flows and you can also create your own. See what works best for you and record your success/failure ratio before you actually put money in.  Good Luck,


"I've never heard of a loan product like that. Yes, if they keep the funds in an account, it is no risk to the bank, but they would essentially need to go through the loan process twice for the same loan: when you pick a house, they need to reevaluate everything, along with appraising and approving the house.  Even if you did find a bank that would do this for you, there are a few problems with this scheme. You would be paying interest before you have a need for this money, negating the savings you might achieve if the interest rates go up. In addition, your ""balance"" will go down as ""payments"" are deducted from your loan, and when you finally find a home to buy, you might not have enough for the house you want. You'll need to borrow more than you need, which will further negate any possible savings.  It is impossible to know how fast rates will climb. If I were you, I would stick to saving for your down payment, and just get the best rate you can when you are ready to buy.  Another potential idea for you is to lock an interest rate. When you apply for a mortgage, the interest rate is often locked for as much as 60 days, to protect the borrower in the event that the rates go up. You could ask the bank if you can pay a fee to lock the rate even longer. I don't know if that is possible or not. And, of course, the fee would eat into your potential savings."


"Seems like you are concerned with something called assignment risk. It's an inherent risk of selling options: you are giving somebody the right, but not the obligation, to sell to you 100 shares of GOOGL. Option buyers pay a premium to have that right - the extrinsic value. When they exercise the option, the option immediately disappears. Together with it, all the extrinsic value disappears. So, the lower the extrinsic value, the higher the assignment risk. Usually, option contracts that are very close to expiration (let's say, around 2 to 3 weeks to expiration or less) have significantly lower extrinsic value than longer option contracts. Also, generally speaking, the deeper ITM an option contract is, the lower extrinsic value it will have. So, to reduce assignment risk, I usually close out my option positions 1-2 weeks before expiration, especially the contracts that are deep in the money. edit: to make sure this is clear, based on a comment I've just seen on your question. To ""close out an options position"", you just have to create the ""opposite"" trade. So, if you sell a Put, you close that by buying back that exact same put. Just like stock: if you buy stock, you have a position; you close that position by selling the exact same stock, in the exact same amount. That's a very common thing to do with options. A post in Tradeking's forums, very old post, but with an interesting piece of data from the OCC, states that 35% of the options expire worthless, and 48% are bought or sold before expiration to close the position - only 17% of the contracts are actually exercised! (http://community.tradeking.com/members/optionsguy/blogs/11260-what-percentage-of-options-get-exercised) A few other things to keep in mind: certain stocks have ""mini options contracts"", that would correspond to a lot of 10 shares of stock. These contracts are usually not very liquid, though, so you might not get great prices when opening/closing positions you said in a comment, ""I cannot use this strategy to buy stocks like GOOGL""; if the reason is because 100*GOOGL is too much to fit in your buying power, that's a pretty big risk - the assignment could result in a margin call! if margin call is not really your concern, but your concern is more like the risk of holding 100 shares of GOOGL, you can help manage that by buying some lower strike Puts (that have smaller absolute delta than your Put), or selling some calls against your short put. Both strategies, while very different, will effectively reduce your delta exposure. You'd get 100 deltas from the 100 shares of GOOGL, but you'd get some negative deltas by holding the lower strike Put, or by writing the higher strike Call. So as the stock moves around, your account value would move less than the exposure equivalent to 100 shares of stock."


There is plenty of over-rationalisation in the majority of these answers, when the simple answer is that it is simply down to statistics. Say an insurer had two pieces of information about two separate drivers: annual mileage, and whether they had had an accident in the last 3 years. Driver A drives 10,000 miles a year and hasn't had an accident in the past 3 years. Driver B drives 500 miles a year and hasn't had an accident in the past 3 years. Which would the insurer think was the safer bet? The answer is A, and this makes his premiums lower. The reason for this is that the insurer has a lot more data about Driver A than Driver B: they know that Driver A has driven 30,000 miles without having an accident. This could, of course, be luck, or a fluke, but it is likely that Driver A is actually a safe driver. The chance that Driver A hasn't had an accident just through sheer luck and that they are actually a terrible driver is quite slim. On the other hand, Driver B has only driven 1,500 miles in the past three years. Whilst this seems like prima facie evidence of them being as safe a driver as Driver A, it is much more likely that Driver B could have driven 1,500 miles and avoided an accident through sheer luck, even though they are a terrible driver.  This means drivers who drive low amounts of mileage will be penalised relative to other drivers who have high mileage. It has nothing to do with insurers taking a judgement that 'doing more mileage makes you more experienced' or 'makes you a better driver' as others have suggested here (although, it is probably true - it's not quantifiable from an insurer's perspective).


The catch is in the Premium amount you pay. In a pure term insurance, there is no survival benefit. You get paid only for the event, i.e. when you die during the policy term, the sum assured is paid to your nominee. The money back on the other hand, charges a huge premium, typically 5X more than the pure term, part of it is for the risk cover. The balance is then invested in safe instruments and at the end if you survive you would get that money. Typical calculations would show that if you had yourself invested the difference in premium even in CD's you would get much more money back. The reason this product is available in the market is more of people cannot part with money when they don't get anything back. To these vast majority, it looks like insurance company is taking all their money and doesn't give them back if they survive. Hence to make it seem better to these vast majority, there is money back. Hence people all over the world buy these policy much more than a pure term policy.


Codecademy is a fantastic way to learn basic language syntax and understand what the end goal of these most basic operations is.  I agree though that if a critical person uses it to base all their understanding of programming/technology on, everyone's going to suffer forever. Especially given CEO egos.


I work at a leasing (financial) company and I completely agree. The only Apple products you will use are the iPhone-if it is bring your own device- or the iPad, if adoption of the Microsoft tablets does not take place. Excel is your best friend in finance and that is why I recommend a PC. No one at our company uses a Mac.


> they use their size to heavily influence their supply chain and push them to lay off employees and make other cuts  this is good. it results in cheaper products for everyone. it promotes efficiency. we don't need people doing what those people did, with machines and technology. they can now get jobs doing something efficient instead of something unnecessary. should we have people for instance making pipes by hand still when a machine can do it better in seconds. that person can then do something else to bring down prices elsewhere. this is basic economics.   > There is no competition for labour they can pay them whatever they want  really. there are no other places a person with that level of training can work?


Cost.  If an investor wanted to diversify his portfolio by investing in the companies that make up the S&P 500, the per-share and commission costs to individually place trades for each and every one of those companies would be prohibitive. I can buy one share of an exchange-traded fund that tracks the S&P 500 for less than the purchase price of a single share in some of the companies that make up the index.


I mean, they have their original series. They have BBC and AMC shows. Apart from that they've lost most of their other shows. They do have great movies but I've seen most of them years ago. That leaves me waiting for new releases, which are usually disappointing.   Their originals have been pretty disappointing lately too.


I disagree - shit rolls downhill, and if someone above reddit's admins is shitting down fire because their analyst told them that too many of Conde Naste's competitors are making it to reddit's front page, then you better believe that reddit's admins will try to avoid getting shit on, even if the boss is wrong.


In Finland, this happens all the time - it's all about having an official ID, they don't even ask your bank account number or the card. However, as no location was specified in the question, I guess it could be anything. The stronger the requirement for official personal id is in your country, the better odds you have with just using that. Where I live it is quite strong.


Looking at https://www.gov.uk/student-finance/who-qualifies, it says: You can only apply if: As you meet all three requirements I think you are counted as a English student in every respect. I would advise applying as soon as possible though to verify this. EDIT: also, getting a British passport anyway might not hurt; it makes sense as you've spent almost all your life here, and it would insulate you against any issues that might arise if Britain ends up leaving the EU.


There was an [article](http://www.theatlantic.com/magazine/archive/2012/01/making-it-in-america/8844/) a couple of months back. One of the major take-aways from the article was that, for the auto parts factory, their line for whether to buy a robot or use humans for a task came at 2 years. If the robot could replace enough workers to pay for itself in 2 years, the robot won. If you're talking about a factory operating 24 hours a day, a robot costing less than 6 man years of salary and capable of operating 24 hours a day for 2 years would win and 3 workers would lose.  Personally, it seems like there's always more work that could be done, and people should be looking for ways to move higher up the value tree - either into tasks that are hard to automate, or into roles that accelerate the automation. If, as a society, we're able to free people up from the basic tasks needed for survival, we can progress faster on other things.  It's not like this is the first time that there's been a revolution in how labor is allocated. It used to be everybody farmed their own land for survival, then techniques in farming got better and some farmed land while others started making other things to trade for food. Then crops started producing things like cotton and people would work to turn the cotton into things to trade for food or housing or whatever, and people specialized, then machines started farming and more people were in factories, and then more people in factories with machines, etc.  If you asked someone from a time when everybody worked their own land for survival to look what modern people have, they might look and wonder how you eat when you don't have enough land to grow food on.


This is the second article I read this week where these casual chains blame Millennials. Neither mention that, perhaps, people just don't really value going to a restaurant and being served microwaved and fried pre-cooked junk. Glamorized TV dinners. The vast majority of the time when a restaurant fails, it's because the food isn't good. It's not demographics or whatever else they want to blame it on. The. Food. Sucks.


All transactions involving fraud or theft are void by their nature. Title to your money never changes hands.  You are entitled by law to have assets stolen from you returned to you. In cases of negligence or broker malfeasance, lawsuits or SIPC protection are your primary recourse.


The US prefers an endless conflict.  It is an excuse to keep large military forces in the heart of Asia, and endless war helps line pockets of well connected folks in DC.    The point of US wars tends to be justifying huge Pentagon budgets and enriching the owners of the Military Industrial complex.  At its heart, the purpose is to extract wealth from US Tax Payers in a way they are unlikely to oppose because of propaganda related to security and patriotism.


I lived in a non tipping country before coming to the US.  Tipping is a far better system.       In non-tipping world, the service is typically awful.   Servers do the bare minimum to not get fired.  There is no incentive.   The prices are far higher than US prices + Tip, as the restaurant needs to pay salary to inefficient servers.       Tipping culture has driven the US to be an amazing service country.   Prices including the tip are still lower than most other western countries AND servers at any busy establishment make far more money.   In many countries servers are making around minimum wage, perhaps up to 20% over minimum wage.    In the US, great wait staff can earn 6 figures in a good establishment.         Tipping is better for customers, better for motivated workers, and better for restaurant owners.


At least on 25K. Here's the actual IRS publication, it's fairly complex and the limits depend on the types of organization you're donating to, and the types of property you're donating. Some donations may be limited to the maximum of 20% of your AGI. Bottom line - the maximum you can deduct in almost all circumstances would be 50% of the AGI (very few exceptions allow deducting up to 100% of your AGI). Worth mentioning that whatever you cannot deduct this year - you can roll over to the next year.


"Nothing ""conspiratorial"" - just standard tax optimization scheme as shown by  Google & Apple.    > Grocery store workers are not underpaid. If they were, they could walk across the street and make more money at a competitor.  From the point of supply and demand, they are actually overpaid - lots of desperate people that agree to the barest minimum allowed by law (and below that, if you include illegal aliens). Still doesn't mean they are paying the living wage.  >The vast majority of food products sold in grocery stores in North America are grown, manufactured and sold right here in North America  20% are imported.   And they don't have to set up a ""supply chain"" - just the bare minimum to legally siphon funds into another company they own, be it via interest on credit, rent, intellectual property (i.e. franchise or trademark payments) or anything else."


Yes, it is a scam.  Think about it: Why would a stranger offer to give you money? Why would she need you to pay her own employees? She wouldn't. It is a scam.  You have more to lose than just the $25 that is in the account. Just as has happened to your dad before, you will be receiving money that is not real, but paying real money out somewhere else.  One more thing: If your dad has fallen for these scams so many times that he can't get a bank account anymore, why are you still taking financial advice from him?


"What about 2nd hand pants from Craigslist? Walmart's ""evil policies"" are the reason they can offer those cheap prices people ""need"". It's hypocritical to claim to be against those practices while you continue to take advantage of those low prices.  It's as hypocritical as welfare recipients who are ""against big government."""


Because they believe that negative interest rates will force people to push capital around, and promote investment to avoid the negative interest rates associated with having your cash sitting in an account. Most likely they will be banning cash within the next 10 years anyway which will prevent you from being able to keep it yourself. You will either need to: or


"This is common practice I would suprised that there was multinationals not doing this.  What is funny though is when auto companies in Australia get government grants to be viable but then send the same amount of money back to the US for ""branding licence"".    Looking at you General Motors"


>you're fooling yourself if you think they don't have advantages over retail investors.  Well clearly they have resources connections, more clout when speaking to their investees, etc. but what I meant is it's not as big of an advantage as most people believe it is. Also with derivatives you're right its a whole different ball game. I'm a finance student and I invest my own money to learn, and to grow my wealth slowly and intelligently. The thing is I never touch derivatives(probably because I haven't studied them much yet). Also I come from a very Benjamin Graham value investing background so that is why I think that an average investor with a retail brokerage account can beat the institutions. This energy thing is not something that I think can be capitalized upon, however.


For exchange contracts, yes. A trader can close a position by taking an offsetting position. CME's introduction to Futures explains it quite well (on page 22).  Exiting the Market Jack entered the market on the buy side,   speculating that the S&P 500 futures price would move higher. He has   three choices for exiting the market:


"In general economic theory, there are always two markets created based on a need for a good; a spot market (where people who need something now can go outbid other people who need the same thing), and a futures market (where people who know they will need something later can agree to buy it for a pre-approved price, even if the good in question doesn't exist yet, like a grain crop). Options exist as a natural extension of the futures market. In a traditional future, you're obligated, by buying the contract, to execute it, for good or ill. If it turns out that you could have gotten a lower price when buying, or a higher price when selling, that's tough; you gave up the ability to say no in return for knowing, a month or three months or even a year in advance, the price you'll get to buy or sell this good that you know you need. Futures thus give both sides the ability to plan based on a known price, but that's their only risk-reduction mechanism. Enter the option. You're the Coors Brewing Company, and you want to buy 50 tons of barley grain for delivery in December in order to brew up for the Super Bowl and other assorted sports parties. A co-op bellies up to close the deal. But, since you're Coors, you compete on price with Budweiser and Miller, and if you end up paying more than the grain's really worth, perhaps because of a mild wet fall and a bumper crop that the almanac predicts, then you're going to have a real bad time of it in January. You ask for the right to say ""no"" when the contract falls due, if the price you negotiate now is too high based on the spot price. The co-op now has a choice; for such a large shipment, if Coors decided to leave them holding the bag on the contract and instead bought it from them anyway on a depressed spot market, they could lose big if they were counting on getting the contract price and bought equipment or facilities on credit against it. To mitigate those losses, the co-op asks for an option price; basically, this is ""insurance"" on the contract, and the co-op will, in return for this fee (exactly how and when it's paid is also negotiable), agree to eat any future realized losses if Coors were to back out of the contract.  Like any insurance premium, the option price is nominally based on an outwardly simple formula: the probability of Coors ""exercising"" their option, times the losses the co-op would incur if that happened. Long-term, if these two figures are accurate, the co-op will break even by offering this price and Coors either taking the contract or exercising the option. However, coming up with accurate predictions of these two figures, such that the co-op (or anyone offering such a position) would indeed break even at least, is the stuff that keeps actuaries in business (and awake at night)."


This is a perfect example of why bonds are confusing at first glance.  Think about it this way...  You buy a 30-year Russian Bond at 4%.  An event happens that makes Russia risky to invest in.  You want to buy another bond but fuck 4%, you and the rest of the market want 6% to compensate you for the risk.  Now let's say you want to sell your 4% bond... Well you're going to have to drop the price of that bond in order for it to appeal to an investor that could go out and get a 6%. On a 30-year bond of that kind, you're looking at about 75% of what you bought it for.   So to wrap it up, high bond yields are great for buyers that don't already own them, but bad for sellers who want to get rid of their old ones. It is the opposite intuition as stocks and almost everything else.


The major reason to start an LLC for side work is if you want the additional personal liability protection afforded by one.  If you're operating as a sole proprietor, you may be exposing yourself to liability: debts and judgments against your business can put your personal assets at risk! So, if you're intending to continue and grow your side work in the future, you ought to consider the LLC sooner than later. It's also an important legal decision and you should consider seeking a professional opinion. The Wall Street Journal has a brief guide titled How to Form an LLC.  Here are some notable excerpts: A limited liability company, or LLC,   is similar to a partnership but has   the legal protections of personal   assets that a corporation offers   without the burdensome formalities,   paperwork and fees.   [...]   Some states charge annual fees and   taxes that can diminish the economic   advantage of choosing to become an   LLC. Among LLC advantages:   pass-through taxation – meaning the   profits and losses “pass through” the   business to the individuals owning the   business who report this information   on their own personal tax returns. The   result can be paying less in taxes,   since profits are not taxed at both   the business level and the personal   level. Another plus: Owners aren’t   usually responsible for the company’s   debts and liabilities.   [...] Also check out onstartups.com's Startup 101: Should You Form An Inc. or An LLC? Here are some additional articles that discuss the advantages / disadvantages of forming an LLC:


"You're asking an intensely debatable question.   You'll have some people believe that the short-term effects on tax cuts will be an increase in the deficit, but long-term provide more economic prosperity that then eventually translates into higher tax revenue (the Laffer Curve). You'll have others state that it'll simply increase government debt and make us even more indebted, and the benefits of tax cuts will be marginal at best.  Large enough shocks, such as a war, cause market downturns due to heightened uncertainty. These are pretty unavoidable (we had a small shock with North Korea's nuke test).   > I ask because the economic fundamentals of U.S/Western Europe are strong.  Why do you think this?   > B. What will be the geopolitical result? Does China back NK to prevent a immigration crisi/power vacuum or do they side with the UN/U.S and allow military destruction of NK in the event of a NK-started war?  Also intensely debatable. Does China grow too tired of NK and simply acquire it itself? Does it keep it separate as a distraction to pin down U.S. attention? Does the U.S. pre-emptively strike NK leadership? Does it leave a vacuum there, close enough that China can keep an eye on it, or does it ""surge"" like Iraq? Would South Korea get it?   These are extremely open-ended questions that could have debates rage around them for years."


Let me just say that Argentina didn't fail because of protectionism, it failed because of collectivism and government control of businesses like all familiar communist countries failed. It's actually a good argument against socialism in general against those who say it's superior to communism.


I worked in constituent affairs. A normal day for me ranges from finding low-income homes, handling unemployment insurance checks that get held up, finding open rehab centers for people who are having trouble finding treatment centers. Is it remotely connected to a court case? Now I have to find a way that is completely sterile from the legal proceedings.   Do I give help to the one person calls who is being kicked out of their home in 4 days and is sick, or do I have to find some shelter for the people with children first?   I love my job, but pray tell, with my 28,000 a year salary, what special privilege do I get by trying to maximize assistance for people with minimal resources? I am interested to hear this so I can go to work and demand them.


At Success Focus we believe that everyone deserves to achieve the goals they set for themselves. Our mission is to make them capable of achieving these goals, break through their barriers and live a more fulfilling life through effective, non-judgmental support.


"Those are actually causing demonstrable harm, in the forms of child abuse and murder. Saying ""X group is terrible and should all go die"" is hateful and ignorant, but not actually harmful. Saying ""I will kill this person for money"" is an express intent to murder somebody. Saying ""look at these children I sexually abused"" is admitting to sexual abuse of a child. Even if you're just running the sites and not involved in the activity, you are still facilitating and encouraging it.   Any more spurious comparisons you'd like shot down?"


"Wow. You are fucking retarded.... UBI is bullshit and not going to happen (thankfully) and ""job theater"" is a tucking bullshit term that I've never heard before and never wish to hear again. You millennial are way too fucking innocent. The world owes you fucking zilch. You are entitled to nothing. A functioning society does not pay people money ""just because"". If you don't contribute to society then you deserve nothing. You've actually just shown why bigger government is fucking stupid. These people do nothing for society yet they would work in some ""job theater"" bullshit organization. Why not just cut out the middleman and give them money without making them ""work""? And of course there would be a *massive* government agency running this sham that would have a massive budget. You people are fucking retarded and need to learn some basic econ. Bernie is a lying cuck."


Sure, they can still vacation in the US. However working in the US requires a seperate visa than a vacation visa which requires that they pay taxes on income earned within the US etc.   I'm fairly certain using complicated intelectual property tax tricks to avoid paying any taxes in the US might be a violation of that visa.   Actually, why can't I owe myself a large amount of money in another country that I'm paying myself back slowly thus zeroing my taxable income?


the short answer is: No. you do not HAVE to pay $125,000.00 at the end of your first year. that is only the amount IF you decide to exercise.  *fine print: But if you leave or get let go (which happens quite frequently at top tier Silicon Valley firms), you lose anything that you don't exercise. you're basically chained by a pair of golden handcuffs. in other words, you're stuck with the company until a liquidation event such as IPO or secondary market selling (you can expect to spend a few years before getting anything out of your stocks) Now, it's hard to say whether or not to exercise at that time, especially given we don't know the details of the company. you only should exercise if you foresee your quitting, anticipate getting fired, AND you strongly feel that stock price will keep going up. if you're in SF bay, i believe you have 10 years until your options expire (at which point they are gone forever, but that's 10 years and usually companies IPO well within 7 years). i would recommend you get a very good tax advisor (someone that understands AMT and stock options tax loopholes/rules like the back of their hand).  I'm going to take a long shot and assume that you got an amazing offer and that you got a massive amount of ISOs from them. so i'll give this as an advice - first, congrats on owning a lot on paper today if you're still there. you chose to be an early employee at a good tech company. However, you should be more worried about AMT (alternative min tax). you will get enslaved by the IRS if you exercise your shares and can't pay the AMT. suppose, in your fictional scenario, your stock options increase 2x, on paper. you now own $1 Mil in options. but you would be paying $280000 in taxes if you chose to exercise them right now. Now, unless you can sell that IMMEDIATELY on the secondary market, i would highly advise you not to exercise right now. only exercise your ISOs when you can turn around and sell them (either waiting for IPO, or if company offers secondary market approved trading).


"Writers for tech publications get paid less than peanuts. In all likelihood, this guy received two similar press releases/pitches from PR firms and he was like ""oh look, a trend"" and did no further research because he had to crank out five more articles in one day (which he did) to make enough money to survive.      (Source: I am not this guy, but I was just like him for about eight years.)"


"Which of these categories are emergency funds meant to cover? Emergency funds are for emergencies, which to me means expenses that are unanticipated and can't be covered out of ""normal"" cash-flow.  Oil changes are not an ""emergency"" and should be part of your normal budget.  Car/house repairs and doctor visits might be an emergency depending on the severity and the urgency (e.g. do I need to fix this now or can I save up and fix it?) For known, predictable expenses that are infrequent (Christmas, birthdays, car insurance, home insurance/taxes if it's not part of your mortgage payment), I use an escrow account.  I calculate how much I'll need for all of those things put together over the year and set aside a fixed amount each paycheck to ensure that I have enough to cover each item.  You could do something similar for minor doctor visits, car repairs, etc.  Estimate how much you might spend and set aside some money each month. If you find you're spending more than you thought, just increase the amount.  You can use envelopes for each type of expense, have a separate checking account for those, whatever.  The point is to set it aside and make sure you have enough left over to cover your known expenses. The whole point of an emergency fund is to be able to pay cash for emergencies rather than borrowing to pay them and dealing with interest, late fees, etc."


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What would be nice would be if Google+ gained some traction to the point where they could force Facebook to open a pipe so that social circles could work between Google+ and Facebook, putting them in tension.   Of course, Neither CEO seems exceptionally capable of playing nicely in a sandbox even if it can benefit them, so that won't happen.


I've noticed Academy and Dick's Sporting Goods stores have been opening more frequently around my area, as opposed to just a couple Cabela's/BPS stores. I much prefer either Academy/Dicks for sporting goods. Similar quality, cheaper prices. I do prefer BPS for fishing goods though


Refinance, definitely. Go for Fixed 15 years, which will leave you with the same remaining time for the loan that you have now, but a much lower interest (you can find below 4%, if you look hard enough). You might end up with lower payments and higher portion of interest to deduct from your taxes. win-win. If you're confident you're able to pay it off within 7 years, you can get an even better rate with an ARM 10/1 or 7/1.


>eventually, the US will lose money until the point where production in the US is cheap enough to bring it back.   Not if they raise taxes.  I recently saw a mention of a research job in psychology that came to a conclusion more or less like this: given the choice of getting $100,000 while their neighbor got $250,000 and the alternative of each getting $50,000, most Americans chose the second option.  They'd rather get less for themselves rather than let their neighbor get more than they did.   That's why so many Americans favor higher taxes on the corporations. It doesn't matter if the corporations become unable to invest in more jobs, the important thing is not to let the corporations make money easily.


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I would say that there are places where you are indeed a code monkey, and what you learn is easily transferred. i.e: If you know Java, or RoR, it's easy to get started at a new job where the apps are built with those languages.   However, if you're able to get some, Murex, Kondor+ or Calypso training or exposure under your belt, your skills are much more highly sought after, and can get you a much higher salary than an ordinary code monkey.   At the end of the day managing is managing, regardless of whether you're managing code monkeys or Murex developers.


Word! I don't watch TV any more. If I wan't to watch a certain show I stream it online. Surely it should be obvious that the concept of sitting down in front of a TV at some time to watch a show, because someone at a TV station decided that this show should be broadcast at that certain time is outdated and unnecessary. On demand is the future (and present). Long live progress!


Wow. Few initial thoughts:  1) Amazon is not going to keep WFM's pricing structure in place. I expect we'll see some serious pricing pressure on the whole space. The food companies have already been feeling the squeeze (remember all those headlines about Wal-Mart pressuring their CPG vendors to trim prices 15%?) and this is only going to make it harder for them.   2) Amazon has been building out its distribution network through fulfillment centers. This gives them a huge footprint for both click-and-collect and direct-to-consumer online grocery delivery. Also probably helps consumer perceptions about the quality of buying food online.  3) I think if you're a company like TGT you need to step back and look at your strategy in food. Might be a good time to admit defeat or at least scale back.  4) Amazon could very well go the private label route here. Especially with pressure from Aldi and Lidl, there might be a real opportunity for it at WFM. Perhaps a name like THS could get a boost.  5) I'd sure love to be at Jana right now


"Actually, if you don't care about paying a bit more, either hire an accountant and dump the paper on them, or (may be cheaper but a bit more work) spring for tax software. Modern tax programs can often download most of your data directly. If you don't care about claiming deductions you can skip a lot of the rest. I'm perfectly capable of doing my taxes on paper or in a spreadsheet... but I spring for tax software every year because I find it a _LOT more pleasant.  Remember that most of the complexity does come from policies intended to reduce your taxes. When you call for simplification, you may not like the result. It's better than it was a decade or two ago. I used to joke that the battle cry of the next revolution would be ""No Taxation Without Proper Instructions!"""


I recommend a Capital One 360 account. Personal experience, I'm a current undergraduate and while Capital One ATMs are everywhere and while account fees do not exist while I work, my normal Capital One bank account would be shut down, every time, over the summer. Why? Because I didn't work over the summer and I couldn't keep the minimum balance in my account. With a 360 account, I don't have to worry about paper working being mailed home when I need it at my dorm (or vice versa) and I don't have to worry about minimum balance fees closing my account (it doesn't screw my credit when that happens, but I have to open up a NEW account; frustrating). The advantages of a 360 account is that it's all online, there are no minimum balance requirements, and that I can easily access it online and even deposit checks with the Capital One app.


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Arguably, the only reason the US can print dollar without massive repercussions on devaluing it is because of it is the world's reserve currency, backed by oil. This has allowed to US to build the world's biggest and most powerful army because they can easily borrow money to fund it. Everyone needs oil for their economy, therefore everyone needs dollars...


I added just most of the keywords I know to get you an idea what interests me. I must say creating models and testing models and using statistical software is what I like most. I do not like too much on the theoretical part like literature review.


I'm not disagreeing with you about math.  But what you keep focusing on is your assumption people *need* $100 more per month to spend on energy.  Some people may, but can you see how your solution makes an assumption that most likely misses the point?


We need more info to give a better answer, but in short: if you assume you will make $0 in other employment income next year, there is a HUGE tax benefit in deferring 50k until next year. Total tax savings would probably be something like $15k [rough estimate]. If you took the RRSP deduction this year, you would save something like 20k this year, but then you would be taxed on it next year if you withdraw it, probably paying another 5k the year after. ie: you would get about the same net tax savings in both years, if you contributed to your RRSP and withdrew next year, vs deferring it to next year.  On a non-tax basis, you would benefit by having the cash today, so you could earn investment income on your RRSP, but you would want to go low-risk as you need the money next year, so the most you could earn would be something like 1.5k @ 3%. The real benefit to the RRSP contribution is if you defer your withdrawal into your retirement, because you can further defer your taxes into the future, earning investment income in the meantime. But if you need to withdraw next year, you won't get that opportunity.


"A covered call risks the disparity between the purchase price and the potential forced or ""called"" sale price less the premium received. So buy a stock for $10.00 believing it will drop you or not rise above $14.00 for a given period of days. You sell a call for a $1.00 agreeing to sell your stock for $14.00 and your wrong...the stock rises and at 14.00 or above during the option period  the person who paid you the $1.00 premium gets the stock for a net effective price of $15.00. You have a gain of 5$. Your hypothecated loss is unlimited in that the stock could go to $1mil a share. That loss is an opportunity loss you still had a modest profit in actual $. The naked call is a different beast. you get the 1.00 in commission to sell a stock you don't own but must pay for that right. so lets say you net .75 in commission per share after your sell the option. as long as the stock trades below $14.00 during the period of the option you sold your golden. It rises above the strike price you must now buy that stock at market to fill the order when the counter party choses to exercise the option which results in a REAL loss of 100% of the stocks market price less the .75 a share you made.   in the scenarios a 1000 shares that for up $30.00 a share over the strike price make you $5,000 in a covered call and lose you $29,250 in a naked call.Naked calls are speculative. Covered calls are strategic."


I'm not sure I understand what you're trying to say, but in general its pretty simple: She goes to the UK bank and requests a wire transfer, providing your details as a recipient. You then go to your bank, fill the necessary forms for the money-laundaring regulations, you probably also need to pay the taxes on the money to the IRS, and then you have it. If you have 1 million dollars (or is it pounds?), I'm sure you can afford spending several hundreds for a tax attorney to make sure your liabilities are reduced to minimum.


You are very much correct, as I think about it more I definitely misspoke.  It's more someone's cultural heritage than their race.   If you grow up eating and watching your parents prepare a particular type of food you are more likely to cook that type of food better than someone who did not have a much experience with that type of food growing up. There are exceptions of course, But I think you get the idea.   My grandmother is a white person, who is also Mexican. We eat Mexican food at Thanksgiving. So color is not always a good. indicator.


Stop government subsidies of student loans which leads to artificially inflated college prices.  Encourage colleges to be more upfront about employment prospects and ROI for specific degrees.  Or just eliminate 4 year degrees all together and go with nano-degrees.  Let the market decide whats in demand and valuable.  Next question.


Depends on the role.   I've worked in a back office and middle office setting at an investment bank working 8:30am - 5pm, no weekends.   Also worked in sell side research and hours were more like 7am - 9pm, light weekends unless we were initiating coverage which then became a heavy work weekend.  I currently work on the buyside as an equity analyst and my hours are more like 8am - 5:30 pm, no weekends. So depends on the role.


Did you see the emails between scientist fudging the numbers to prove we need to do more quicker.  Also in the 1950's - 1960's all the scientist thought there was global cooling.  We went from global cooling to global warming in 50 years.  Just proves the majority of people forget or just have never learned about history.


"This is the best tl;dr I could make, [original](https://www.cnbc.com/2017/09/21/north-korea-foreign-minister-says-may-detonate-nuclear-bomb-in-pacific-reports-south-korean-news-agency.html) reduced by 85%. (I'm a bot) ***** > North Korean Minister of Foreign Affairs Ri Yong Ho said that his country may consider a test of a hydrogen bomb in the Pacific Ocean, according to a report from South Korea&#039;s official news agency Yonhap.  > Hydrogen bombs are more powerful by an order of magnitude than the atomic bombs that North Korea tested in previous years.  > In recent weeks, North Korea has tested ballistic missiles and an apparent hydrogen bomb in the face of international economic sanctions and warnings.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/71nvoo/north_korea_foreign_minister_says_may_detonate/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~214375 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **North**^#1 **Korea**^#2 **President**^#3 **test**^#4 **Kim**^#5"


Paywall.  But this is an issue that comes up in many places, including California, where we were recently up to our necks in drought, including the pressure on Nestle.  Somewhere, there is a government official that approved this arrangement, just as there was in California.  I'm sure elsewhere, as well.  And we shouldn't be taking Nestle to task, we should be naming those government officials, and investigating them for corruption, or firing them for incompetency.  I can't read this particular article, but I've never seen this addressed in the press.  Are there any names mentioned here?  In California, likely in Michigan, too, the government does not acknowledge individuals right to resources.  We instead use the water supply as fodder for political clout, and give it away 'for jobs' as a favor.  Government shouldn't control the water supply.  It should be owned by people.  Individuals will protect what is theirs in a way government doesn't. Even corporate owners treat what is theirs better that the current model of government leases.


Firstly, I'm going to do what you said and analyze your question taking your entire family's finances into account. That means giving you an answer that maximizes your family's total wealth rather then just your own. If instead of that your question really was, should I let my parents buy me a house and live rent free, then obviously you should do that (assuming your parents can afford it and you aren't taking advantage people who need to be saving for retirement and not wasting it on a 25 y/o who should be able to support him / herself). This is really an easy question assuming you are willing to listen to math. Goto the new york times rent vs buy calculator and plug in the numbers: http://www.nytimes.com/interactive/2014/upshot/buy-rent-calculator.html Firstly, if you do what you say you want to do buy the house all cash and live there for 4 years, it would be the equivalent of paying 1151 / month in rent once you factor in transaction costs, taxes, opportunity costs, etc. Take a look at the calculator, it's very detailed. This is why you should never buy houses all cash (unless its a negotiating tactic in a hot market, and even then you should refi after). Mortgage rates are super low right now, all that money sitting in the house is appreciating at maybe the rate of inflation (assuming the house value isn't going down which it can very easily do if you don't maintain it, another cost you need to factor in). Instead, you could be invested in the stock market getting 8%, the lost opportunity cost there is huge. I'm not even considering your suggestion that you hang onto the house after you move out in 4 years. That's a terrible idea. Investment properties should be at a maximum value of 10x the yearly rent. I wouldn't pay more then 72K for a house / apartment that rents for only 600 / month (and even then I would look for a better deal, which you can find if you time things right). Don't believe me? Just do the numbers. Renting your 200K house for 600 / month is 7200 / year. Figure you'll need to spend 1% / year (I'm being optimistic here) on maintanence / vacancy (and I'm not even considering your time dealing with tenants). Plus another 1% or so on property tax. That's 4K / year, so your total profit is 3200 which is a return of only 1.6% on your 200K. You can get 1% in an ally savings account for comparison. Really you are much better off investing in a diversified portfolio. You only need 6 months living expenses in cash, so unless your family is ridicuouly wealthy (In which case you should be asking your financial planner what to do and not stack exchange), I have no idea why your parents have 200K sitting around in a savings account earning 0. Open a vanguard account for them and put that money in VTI and your family will be much better off 5 years from now then if you buy that money pit (err house). If risk is a concern, diversify more. I have some money invested with a robo advisor. They do charge a small fee, but it's set it and forget it with auto diversification and tax loss harvesting.  Bottom line is, get that money invested in something, having it sitting in a bank account earning 0 is probably the second worst thing you could do with next to buying this house.


If you want to go into any asset management/investments, or even potentially down the road, it's worth getting out of the way early on your career while you have the time and energy.  If you want to shoot for a corp finance/CFO type career track, CPA is more relevant. For investment banking (and some corp finance roles such as acquisitions), top tier MBA.


">Also if you watch sports then skipping them isn't really an option   Sure it is. I always hit record and then start watching the game about an hour after it begins airing.  More often than not, I can skip through all the commercials and half time bullshit and end up catching up to ""real time"" with a few minutes left in the game."


">I hear lots of interesting stories about teaching. The most recent involves an experimental program where the teacher performance isn't graded on student outcomes but how well they're following the narrative defined by the program. Every few years teachers are handed new programs that the district curriculum people bought and told ""you're going to teach $subject using this program now!"" (sometimes those programs work better for different groups of students - the ones that it was evaluated with do great, the ones in different neighborhoods are failed by the program) The programs are implemented district wide and the teachers are told not to deviate from the programs.  Nothing really ""new"" there at all. And it isn't ""local control"" -- it is the opposite: standard ""central planning"", typically driven by Federal and State ""Department of Education"" bureaucrats in combination with Teacher's Union officials (but I am being redundant, because they are one and the same, there being a revolving door). And then it is pressed down on the school by an administrator who is attempting to please the ""higher ups"" (and/or to guarantee the flow of funds linked to said program) on one of their several ridiculously inane ""metrics"".  >A recent example from the town I grew up in.  That letter is *hilariously SAD* (and not for the reasons that you think).  This ""teacher"" (with a Masters Degree (!!!!) in Reading -- from which I assume they believe they understand ""reading"" better than anyone  -- be interesting to know the last time this ""Master"" of reading actually READ a book that wasn't strictly required, the answer is probably a decade or more ago)...  This ""teacher"" is really just one central-planning disciple who is objecting to a *different* central planning program than the one they themselves were indoctrinated into.  The whole thing is very revealing regarding the sheer lunacy of the ""scientific educator"" and ""scientific education"" paradigm.  This teacher (like the administrators the teacher derides) is concerned about the WRONG things. There is really no concern about whether kids are learning how to read and to enjoy/utilize reading (which is a rudimentary skill kids can pick up on their own, provided they haven't had it turned into ""torture"" by some brainless curricula & teacher).  But rather it is all about ""what [curricula] to use for reading/language arts"".  The phrasing of that question and the misguided emphasis of it reveals the fact that the teacher really doesn't have a CLUE how to truly get kids reading and understanding the English language.  Basically he/she just wants to ""work a program"" (by a semi-mindless *rote*) and is really only pissed because the programs keep being changed on them.   *Fortunately, a least a small part of the kids WILL learn to read (mostly due to authors/industry putting out things they are interested in -- all hail JK Rowling, JRR Tolkien, & Suzanne Collins) not because of but* **despite** *the formal schooling systems attempts to ""teach"" them.*"


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Stock markets are supposed to be about investment and providing capital to companies for operations and research.  High frequency trading is only about gaming the market and nothing else.  Arguments that this provides more capital or liquidity don't make any sense because the speed of trading is such that listed companies cannot take advantage and only high frequency traders are served.


"> A corporation should be taxed based on where it does business and not where the corporate headquarters are located.  But... but.. that's the whole point of the inversions. The US government tries to claim taxes on income from revenue generated overseas. So right now if BK repatariates it's overseas earnings, the US government will double dip beyond it's fair share and tax already taxed revenue just because it was taxed by non-US governments. All BK is doing is moving their headquarters to to a more business friendly economy that doesn't do similar double dipping. That way when they repatriate overseas money they are not being forced to pay taxes unjustly like they would be in the US. They will still pay taxes in the US for earnings in the US, they just won't pay US taxes on earnings foreign earnings.   I don't think you Americans get just how fucked up and hostile your tax structure is. It has nothing to do with ""fair share""."


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eallan already touched on this, but generally speaking there is a tendency in this country to lump unions together and put the shortcomings of one local or one unit or one member onto all of them. An example would be the issue of corruption; many people cry about rampant corruption in unions when in fact only somewhere between 1-2% of locals have ever had any corruption charges, whereas I'd be willing to bet that the corruption rate is much higher in the corporate world.  > Honestly, I cant think of any reason for minimum wage paying jobs to have a union. If you think the wages are too low for cost of living then the minimum wage should be raised. These people have no special skills, little to no training, and usually no education.  Genuine question: What reasons do you think someone would/could have for joining a union? Why would base pay/education/skill level of the job be a consideration?    Just so we're on the same page: Collective bargaining came about because workers in certain areas were pissed-off enough that they realized that to improve their situation they had to come together as a group, because only as a group did they have any leverage. All workers have the right to collective bargaining, rights which were signed into law because pissed-off workers were doing it anyway, and the regulation of the practice helped smooth it out and drastically cut down on violence and debilitating drops in production.    It takes quite a feeling of injustice and exploitation when not friends, not family, but colleagues, some of which may not even like each other, start seeing that they share common problems, and decide to tie the fate of their working lives to one another. And give up like 1-2% of their paychecks. Especially in a country with an individualistic culture like the US.   So if workers at certain Wal-Marts feel like working conditions are that bad for them, then I can't see why they shouldn't organize.


Just because both Time Warner and Comcast are already local monopolies in their respective areas of operation doesn't mean they are not reducing competition.  What it should be doing is revealing that innovative competition like Aereo should be supported and backed by regulators, not sued out of business.


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