"> and very doubtful once normalized for socioeconomics that race is at all a factor.  Very doubtful? Once you account for socioeconomic status in violent crime, you find that blacks commit way more violent crime. For example, there are twice as many white people under the poverty line in America than there are poor black people. And yet, [you get these results](https://infogram.com/us-crime-in-black-and-white-1gzxop49q0okmwy). So that's one instance where ""controlling for socioeconomic"" status doesn't matter.   Culture has more of an impact than you think. My friend works in an insurance industry where the target market is poor people. He no longer advertises heavily in black communities, after tracking his stats for years, as inevitably over 50% of his black clients do not pay their bills unless you literally swing by their house to collect the check whenever they forget to pay. Meanwhile, white people with the same amount of wealth stay on the books over 90% of the time after signing up. How do you explain that?   This study indicates that not everybody should be getting degrees. And certainly not joke degrees that leave people unemployable/in debt."


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Saudi isn't going to listen to China. Albeit China is an important trading partner for Saudi, it doesn't have anywhere near the leverage America has. Actually, Japan has a better relationship with Saudi Arabia than the latter does with China.  Saudi riyal is pegged to the dollar and so it remains as strong as it possibly can. The USD is simply the most stable currency, the petrodollar is an exaggerated reason as to why it is. US imports are almost the same as the China in terms of percentage but the US sells lots of weapons to Saudi Arabia. China doesn't have the amount of investment into Saudi Arabia like US companies do.  China and the yuan are not substitutes to the US and usd.


Fair statement but two points:   1) slow change in politics is one of the primary intentions of the design of our system from the beginning.  2) these reference points are all over the map. Pairing economic trends with wars makes things seem more drastic than they are. We all knew from the beginning volker and other regulations weren't going to change shit. The reality is that the market is back to all time highs. We're up something like ~12% already this year alone.   Beyond that I don't agree with using the market as a proxy specifically for the reason that, while the market is crushing it, us average joes don't feel that. The more important metric would be incomes and net worth of the middle class. Which, according to Buffet is at all time historical highs, though I'm not sure I agree with that either.


Do you mean, like for instance to steal their money?  There is a way to wrestle control away from the 0.1%, but it will seem perfectly counter-intuitive to you. that would be to get the federal government out of the economy. Cut regulations, eliminate subsidies, shrink the federal government. The rich and powerful stay rich and powerful by harnessing the power of the Federal government


That would be the ultimate in insider trading. They made a stock transaction knowing in advance what was going to happen to the share price. They could easily expect to face jail time, plus the CEO would still face lawsuits from the board of directors, the stockholders and the employees.


So, given this number, you need to work at least 25 years in that scenario to break even. Contingencies such as losing your job, being unemployed, or working for lower salary are excluded of course.  I'm also highly dubious that everyone with college degree reaches such a differential. 90% of the people will not reach 300-400K more in their lifetime.


This is a shameless, karma whoring repost. It's incredibly misleading as Blockbuster was investing in streaming technology at the time but just did not believe that purchasing Netflix was the right decision. This is been posted on TIL 1 million times before.


"Here's an excerpt from VISA's Card Acceptance Guidelines for Visa Merchants (PDF)  The merchant name is the single most important factor in cardholder   recognition of transactions. Therefore, it is critical that the   merchant name, while reflecting the merchant’s “Doing Business As”   (DBA) name, also be clearly identifiable to the cardholder. This can   minimize copy requests resulting from unrecognizable merchant   descriptors. Merchant applications typically list the merchant name as the merchant   DBA. This may differ from the legal name (which can represent the   corporate owner or parent company), and may differ from the owner’s   name which, for sole proprietorships, may reflect the business owner. I think that the key statement above is ""Therefore, it is critical that the merchant name [...] be clearly identifiable to the cardholder."" Since this merchant was not clearly identifiable to the cardholder, they are in breach of a critical point in these guidelines. This is from VISA, but I would assume that all other major credit cards would have similar guidelines for their merchants. However keep in mind that these are ""guidelines"", and not (necessarily) rules."


PepsiCo is being ostracized and sued for making a drink that is no different than soda. Where is the uproar about their making soda? Corporations have a right to make whatever product they believe will sell and its up to the consumer to educate themselves on whether they want to purchase.


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"In the UK, one quirky option in this area (OK, admittedly it's not a passive) is the ""Battle Against Cancer Investment Trust"" (BACIT).  Launched in 2012, it's basically a fund-of-funds where the funds held charge zero management charges or performance fees to the trust, but the trust then donates 1% of NAV to charity each year (half to cancer research, investors decide the other half)."


"I am leaning more towards the belief that Amazon registered for the patent to keep other competitors from using such a system. I mean, the article even states: ""The Washington Post is owned by Jeff Bezos.""   You'd have to be an imbecile to allow a newspaper organization that you own to post an article that is defaming your latest patent. As sick of a human being Jeff may be, he's a billionaire for one reason: brilliance. He intended to have this information released to competitors.   Nonetheless, this is a very ominous and scary technological innovation. The rapid, unrestricted pace of technology is beginning to frighten me."


>I believe he was recommended by one of the investors.  Reddest of flags.   >the person who invested the most (I believe they own 40%) has his wife doing the taxes and paperwork  I stand corrected.  >I think it was my friend who knew this manager and hired him due to a past relationship they had.  That's a little better, but still not great.   >For more insight, my friend actually owns another 2 bars that are quite successful, but it seems he's completely not invested in this one despite owning 30%.  I'd talk to that friend, and keep nipping on his heels about it, rather than us. We're too far removed to get a good view of the situation.


"carly was a symptom, not necessarily a cause.  how could the board have let in such an employee hostile leader?  remember ""the hp way"" book they distributed to every employee?  it was terribly written, but i think dave knew what was on the horizon."


The RRSP is like our 401(k), right? money goes in pre-tax?  I'd go with that. Over time, you stand a near certain chance to get a better return than your mortgage rate.


"This is a very important question and you will find arguments from both sides, in part because it is still understudied. Ben Golub, Economics Ph.D., from Stanford answers ""Is high-frequency trading good for the economy?"" on Quoram quite well.  This is an important but understudied question. There are few   published academic studies on it, though several groups are working on   the subject. You may be interested in the following papers: http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1569067 http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1361184 These document some of the phenomena that arise in high frequency   trading, from a theoretical and an empirical perspective. However, a   full equilibrium analysis of the unique features of high frequency   trading is still missing, and until it is done, all our answers will   be kind of  tentative. Nevertheless, there are some obvious things one can say. Currently,   high frequency traders are competing to locate physically closer and   closer to exchanges, because milliseconds matter. Thus, large amounts   of money are being spent to beat other market makers by tiny fractions   of a second. Once many firms make these investments, the market looks   like it did before in terms of competition and prices, but is a tiny   bit faster. This investment is unlikely to be socially efficient: that   is, the users of  the market don't actually benefit from the fact that   their trades are executed half a millisecond faster -- certainly not   enough to cover all the investment that went into making that happen. Some people who study the issue believe that high frequency trading   (HFT) actually exacerbates market volatility; some plots to this   effect are found in the second paper linked above. There is certainly   no widely accepted theory that says faster trading technology   necessarily increases efficiency, and it is easy to think of   algorithms that can make money (at least in the short run) but hurt   most other investors, as well as the informational value of the   market. One caution is that some of the complaining about HFT comes from those   who lose when HFT gets better -- old-style market makers. They   certainly have an incentive to make HFT out to be very bad. So some   complaints about the predatory nature of HFT should be taken with a   grain of salt. There is no strong economic consensus about the value   of this activity. For what it's worth, my personal impression is that   this is more bad than good. I'll post an update here as more   definitive research comes out. You can also find a debate on High-frequency trading from the Economist which gives both sides of the argument. In conclusion: Regardless of how you feel about HFT it seems like it's here to stay and won't be leaving in the foreseeable future. So the debate will rage on... Additional resource you may finding interesting: Europe Begins Push To Ban HFT High Frequency Trading Discussion On CNBC Should High Frequency Trading (HFT) be banned ?"


This doesn't really make sense, as the small cap indices have a similar rate of growth as the s&p 500. The global scale has some relevance, but exports are included in GDP as well, so it's not the full story.  A better answer, as is noted in comments lower down, is that the S&P does not **grow** at 6%. It *returns* 6% per year. The dividend yield of the s&p is a bit over 2%. Dividends are not growth, they are simply income; they may also grow themselves, but rarely by 6% per year (in real terms). Additional income that's not paid out in dividends probably amounts to another 1-2%. Growth is the final 1-3%, which makes it roughly match GDP.


Because of the way checks are processed, you can't write a check for $100 million or more: http://www.bankingquestions.com/checksyoureceived/q_limitfunds.html The field used for 'amount' has 10 digits, so anything at/above 10^10 cents (which would require 11 digits) can't be processed, at least not by normal means.


"Well, according to the chicken-littles out there, it was supposed to crash at the end of July with the introduction of FACTA's Global Intermediary Identification Numbers.  Pay close attention to the future treasury auctions and the FedResInk's transition from market ""involvement"" to ""commitment""."


I've been stuck in that situation for 10+ years.  Now with rent being so high even with roommates it still is crazy, you really need to keep pushing to make more money if you stagnate like I have you'll regret it.


Bienvenue sur le site du Groupe Vectory  Vectory est synonyme depuis 1993, de prestations de conseil en entreprise. Grâce à notre savoir-faire acquis tout au long de ces années, nous sommes en mesure doffrir à nos clients un service de conseil et de gestion dentreprise de premier plan.  Notre objectif est de répondre aux besoins de nos clients et porteurs de projet qui sont le centre de toute notre attention, afin de pouvoir leur proposer des solutions daccompagnement financier performantes et efficaces sur le long terme.  Chaque jour nous nous efforçons de répondre aux attentes des entrepreneurs et des porteurs de projet que ce soit à notre siège de Lausanne ou dans lun de nos établissements dans toute lEurope.  Grâce à notre site, vous pourrez consulter nos deux différentes et principales activités qui sont le conseil en entreprise, et le capital-risque.  Bienvenue chez Vectory.


1) You parents will have to pay tax on the gain as it wasn't their primary home.  You don’t pay Capital Gains Tax when you sell (or ‘dispose of’) your home if all of the following apply: As I look at it, it is your parents are the ones who own the property and they will have to pay on £60000. But as you say you pay part of the mortgage, I would go to a tax advisor/accountant to confirm if they will only pay on the £15000. I couldn't find any guidance on that matter on gov.uk 2) Inheritance tax will not be levied on it as it is below £325000, but tax will be levied on £325000, less £3000 annual gift allowance. Two articles for further information -  GOV.UK's Tax when you sell your home   Money.co.UK's Gifting money to your children: FAQs


"I am co-owner of a business, and we incorporated federally.  (Mostly to limit liability.)  There is some excellent information above, and most of my wisdom I got from a trusted lawyer and accountant (find experts you trust in these two areas, they will prove invaluable in so many areas.)   The one point I would add is that if you decide to incorporate, you can do so federally or provincially.  We were all set to go provincially, when our lawyer asked ""Is there any chance you might move the business?  Any chance you might want to do work in other provinces?  What about next year?  Five years?""  If you are going through the expenses to set up a corporation, consider doing so federally, the extra costs were insignificant, but someday you might be glad you don't have to start from scratch.  In this day and age, many people end up moving out of province for work, family concerns, etc."


"You don't understand our current system at all if you think people aren't making decisions for you. This is a false narrative pushed by insurance companies trying to get us back to the system that got us here. We spend the most & get the overall worst outcomes of any industrialized nation. ACA's failures were bullshit put in by the GOP & collusion by insurance companies and Republican governors. It wasn't perfect, but it would have been a helluva lot closer if the GOP hadn't lied and colluded through the process. Their 217 amendments were mostly garbage add-ons. I actually read it. Our military would be a ""failure"" if its funding was constantly threatened & fucked with and colluded against by government & private companies. Source: I wrote the 20 year health plan for the Republican Governor of the State of Florida ten or so years ago and have lobbied & built facilities and other projects in healthcare before I left to work in startups."


Couldn't you sneak by those questions with an undergrad in finance? I heard Level 1 is a lot of stuff you learn in undergrad (except ethics, I heard that section usually nabs people). I'm glad you grill those people though. I have a friend/former classmate who signed up for the test mainly just so he could put that he was a candidate on his resume and get a good job. He ended up scoring a pretty decent job too, not sure how much of it was owed to the CFA candidacy.   Trying to take the CFA this December to help with attaining a job after the spring semester if I can get a CFA scholarship.


Unless trump supporters went and decided they can now get a job now that obama isn't in office, that's exactly what I'm saying. Everyone was hiring before trump got in office, everyone still is. I'll put money on the fact more doctors and teachers being hired have nothing to do with trump taking office.


> Though I'd counter that if your goal is to manipulate economic exchanges between individuals with the intention of guiding the economy at large to a specific desired outcome, I think that capitalism is not the economic system for you :P  You are very mistaken. Capitalism is all about incentives. Don't confuse capitalism with anarchism. The government is very important in capitalism as establishing the rules of the market and playing the referee role.


The issue is that the lender used two peoples income, debts, and credit history to loan both of you money to purchase a house. The only way to get a person off the loan, is to get a new loan via refinancing. The new loan will then be based on the income, debt, and credit history of one person. There is no paperwork you can sign, or the ex-spouse can sign, that will force the original lender to remove somebody from the loan. There is one way that a exchange of money between the two of you could work: The ex-spouse will have to sign paperwork to prove that it is not a loan that you will have to payback. I picked the number 20K for a reason. If the amount of the payment is above 14K they will have to document for the IRS that this is a gift, and the amount above 14K will be counted as part of their estate when they die. If the amount of the payment is less than 14K they don't even have to tell the IRS. If the ex-souse has remarried or you have remarried the multiple payments can be constructed to exceed the 14K limit.


I'm extremely suspicious of the assertion that tenure is a good proxy for quality of teaching. I'd like to see some sort of backing to that claim.  Also, I'm not so sure that performance measurement of students is all that difficult--after all, thousands of secondary institutions do it every year and generally do a pretty good job. There are certain basic skills that primary school-aged children need to have, and we have reasonably good metrics to determine if they have them. Gaming the system only occurs with improper alignment of incentives, which is clearly a difficult challenge but not one that I think is insurmountable.


Though I have never had construction loan, for a regular loan this clause only covers the period between when you submit the forms, and when you close on the loan. Normally the construction loan is converted into a regular mortgage after the home is completed. The lender wants to make sure that you don't do anything that will make it impossible for the loans to close.  They are concerned about new or enlarged loans. They also care about spending the down payment money on something else. When I was selling my condo, the purchaser bought a new car the week before closing. That made closing very interesting.


Decades ago, huge quantities of gold was being pulled from this town, making it one of the richest place in California. But earlier this month, a different incident of obtaining gold nuggets earned the ire of locals.  Two men wearing suspicious clothing and carrying a crowbar apparently went in the Siskiyou Count courthouse through the men’s restroom window. The courthouse is home for the display of California’s most revered collection of gold.  The robbers appeared to have made a hole in the bulletproof glass at 1.00 am through which they have grabbed a million-dollar-worth in gold nuggets. Their stash included a rare 28-ounce specimen from 1913, called ‘the shoe’. They might have escaped several hours before the heist was discovered at seven in the morning.  The robbers got away with 351 ounces out of a 624-ounce set that has a value of USD 3 million for the quality of the specimen.  Residents are undeniably angry for what happened, saying that it would have been more forgivable to rob a bank than stealing a piece of their heritage which cannot be replaced.  Yreka, with a population of only around 7000, is one of the several California mining communities which has proudly kept their golden heritage for public display. This is despite of the USD 1,750/ounce price of gold in the market. In fact, 2 years ago, the county faced a fiscal crisis but they have not even considered selling off their gold collection that was amassed over time and donated by locals.  County sheriff declared the theft as stealing a piece of their region’s history and pledged a USD 15,000 reward for information that may lead to the suspects’ prosecution. The two robbers are described as men in early 20′s wearing black shirts, shoes and blue jeans.  The theft became a subject of suspicion around town mainly because an alarm set on top of the case did not go off. The second alarm, on the sliding glass, is still functioning but it was not moved by the robbers anyway. Townspeople are inclined to believe there has been a terrible inside job.  Gold seems to be the soul of the region. In 1851, a mule packer first discovered the presence of local gold and since then, mines like King Solomon, Golden Eagle and Black Bear have thrived.  Most of the communities that belong to Mother Lode are understandably proud of their heritage so they want to display their collections for people to see. However, doing that comes with loads of risks that they have to be aware of.  The county treasurer said that they can use the insurance claim in upgrading the museum but this act does not seem enough to console the residents.


did you not even read the speech? His entire story is how he only became a successful writer because of prior events in his life which he is fully prepared to distill to luck.   reading liar's poker makes this even more acute - the way he got his job was baffling, and he had to have gotten that job right at the perfect point in time (in terms of how (edit: egregious error, it was Salomon, not Lehman) wasn't focusing in their one area in the brokerage, but then it turned out that another employee essentially turned that part of the business around, etc.)


"IT appears the company you're talking about did not report as you expected them to, which is not unusual for OTC companies because, as Milo stated, they are not well-managed. That being said, reports on EDGAR are available as soon as they're posted.  I'm not aware of any lag between when the company uploads their report and it is available on the EDGAR site. Looking at the profile of the company you're referring to, I'm curious why you'd be so interested in a company with huge negative earnings, a near-zero share price, and an obviously spotty history of reporting its numbers.  In order to make any money with this stock, you'd have to buy a huge number of shares, which could be difficult to unload.  Further, the fees you're going to pay to make your trades are very likely to outstrip your return, so you'd be upside down on it. This company has pretty negative financials, and in a world of cheap oil, alternative energy (and the companies that deal in it) are out of vogue, so they're not likely to see a turnaround anytime soon.  They're spending money on R & D at a rate almost 17 times earnings, and the losses are deepening, while revenues are not improving all that much.  These guys are bleeding to death, and there's little prospect of a financial transfusion on the horizon. This is, as they say, a ""dog with fleas"", so your best bet is to find something else to put your money into. I hope this helps. Good luck!"


The only way you will incur underpayment penalties is if you withhold less than 90% of the current year's tax liability or 100% of last years tax liability (whichever is smaller).  So as long as your total tax liability last year (not what you paid at filing, but what you paid for the whole year) was more than $1,234, you should not have any penalty. What you pay (or get back) when you file will be your total tax liability less what was withheld. For example, you had $1,234 withheld from your pay for taxes.  If after deduction and other factors, your tax liability is $1,345, you will owe $111 when you file.  On the other hand, if your tax liability is only $1,000, you'll get a refund of $234 when you file, since you've had more withheld that what you owe. Since your income was only for part of the year, and tax tables assume that you make that much for the whole year, I would suspect that you over-withheld during your internship, which would offset the lack of withholding on the other $6,000 in income.


"I've done this before for startup companies where I didn't want the mailing address to really obviously be my apartment or home address. Just for appearances. What you should be Googling are terms like ""private mailbox center."" If I recall correctly, I used to do this with Mail Boxes Etc before they were bought by UPS. This seems to be the equivalent offering these days: https://www.theupsstore.com/mailboxes I haven't looked at a dummy office for receiving mail -- I imagine that is a bit more expensive. Unless people are delivering things in person I think that would be overkill -- the Fedex guy doesn't care if his package delivery is to a UPS mailbox center."


"Forex. I will employ my skill for ""suspension of disbelief"" and answer with no visceral reaction to Bitcoin itself. The Euro is not an 'investment.' It's a currency. People trade currencies in order to capture relative movements between pairs of currencies. Unlike stocks, that have an underlying business and potential for growth (or failure, of course) a currency trade is a zero sum game, two people on opposite sides of a bet.  Bitcoin has no underlying asset either, no stock, no commodity. It trades, de facto, like a currency, and for purposes of objective classification, it would be considered a currency, and held similar to any Forex position."


"In the United States, if someone refers to the ""interest rate"", especially if heard on news or talk radio in particular, they are almost always referring to the federal funds rate, a rate set forth and maintained by the United States Federal Reserve (the ""fed"" for short). If the fed opts to raise or lower this rate, it subsequently effects all interest rates, whether by being directly connected in a chain of loans  or by market demand through the efficiency of financial markets in the case of bond auctions. The FOMC meets eight times each year to determine the target for the federal funds rate.  The federal funds rate effects all interest rates because it is the originating rate of interest on all loans in the chain of loans. Because of this significance as a benchmark for all interest rates, it is the rate most commonly referred to as ""interest rate"" when used alone. That is why other rates are specified by what they actually are; e.g., mortgage rates; 10 year & 30 year (for 10 year treasury and 30 year treasury bond yields respectively); savings rate, auto rate, credit card rate, CD rate—all rates of interest effected by the originating loan that is the federal funds rate.  This is true in the United States but will vary for other countries. In general though, it will almost always refer to the originating rate for all loans in a given country, institution, etc.  Note that bonds have yields that are based on market demand that is, in turn, based on the federal funds rate. It is because of the efficiency of financial markets that the demand, and thus the yields, are correlated to the federal funds rate."


...never used to word couldn't.  Even doesn't work in my sentence.  It is missing something, but not *even*.  Probably should have used active voice and put it like:  Neither our countries' female tween populace had immunity unfortunately.


Seems to have a major draw for people anyway. Though to be honest, even though I've probably been to the US 15 to 20 times, never been to NYC yet. Though might in the next 18 months, dear friend / ex has been talking about it, so thinking of taking him there.


A few weeks ago, I was thinking about this exact thing (except swap Euros for Canadian Dollars). The good news is that there are options. Option 1: yes, buy Indian fixed deposits Interest rates are high right now- you can get up to 9% p.a. It boils down to your sentiment about the Indian rupee going forward. For instance, let's say you purchase a deposit for amount x at 9% p.a., you can have it double to almost 2x in 10 years. Three things can happen in 10 years: Are you optimistic about Indian governance and economy going forward? If you are, go for it! I certainly am. Option 2: heard of FCNR? Look in to FCNR deposits. I don't know about Europe, but in Canada, the best rate for a 1 year deposit is approximately 1.5%. However, through Foreign Currency Non-Resident (FCNR) deposits, you can get up to 4% or 5%. The other benefit is that you don't have to convert currency to INR which results in conversion savings. However, only major currencies can be used to open such accounts.


It is certainly appropriate to do so. Why, though, would anyone think it is appropriate to do so by addressing the topic on a company message board? His concern isn't trivial, but his method of addressing it was tactless. Perhaps he underestimated the gravity of the topic at this specific time. With Google embroiled in a federal investigation regarding diversity, an open post to coworkers was a poor choice.


The way to think about this is: what would happen to the family if stay-at-home Mom were to die. You obviously can't do anything about the loss, grief and trauma, but think about the financial implications. Assuming that Dad continues to work, and that the child is young, you are going to have to find someone to take care of him/her. If you have relatives willing to step in, that may be fine. but if not you will have to pay for daycare - an expense you don't now have. That's going to get less as the child goes to school, but not go away until he/she is old enough to look after themselves. Bringing up a child, as well as working a full time job, is pretty demanding. You may find that you don't have as much time for cleaning the house, cooking or other chores. Having a sum of money which can be used to hire help or pay for a few meals out can be very useful in these cases. Here is an article which places a value on the work done by a stay-at-home Mom. You might not need to pay for all of those services, but it gives you an idea of what the extra expenses might be.  Think about what extra money you might need to spend, and arrange for life insurance to cover it.


You have not mentioned the dates when you left India. If you leave before Oct 2 then the income is taxable, else it is not. Taxability is not depended on whether you transfer the funds to India or NOT. It is dependent on whether you are NRI for tax purposes for the given financial year. Refer to this question for more details Will it be taxable if I transfer money from UK account to India account?


You are all now wards of the Mighty State of Israel, you are in debt to us and so are your children and your children's children. .and so on . .that is why we included so many Begats in your Bible, so you know the drill when this day came.  There are no Aliens only us who control your Fed and your Treasury and the Orange Puppet who delivered you to us.  Now bow to your new and ancient masters . .GOY!!!


If you like the idea of using votes to decide which deals are hot, you gotta give FatWallet.com a try.


Risk in finance is defined as standard deviation of returns. This is a measure of size of your returns, both negative and positive. Since the mean return is positive (at least for the stock market and fixed income), if you double the standard deviation your mean return also doubles along with it. In this way you are compensated by the market for taking on more risk.


Their biggest problem is that their main industry is shipping. Anything they could do to their currency wouldn't help the shipping industry at all. They can't even raise taxes, they aren't the only convenience flag in the world and ships are obviously very easy to move out.  The only industry they have that could get any benefit from a devaluation would be tourism, but that would be mostly negated by moving out of the euro.


Oh look YET ANOTHER POST ABOUT THIS.  There have been probably around a half dozen posts about this start up that I have seen and I don't see everything that gets posted on Reddit.  This particular article is about a month old and has been submitted [eight other times](http://www.reddit.com/submit?url=http%3A%2F%2Fwww.businessinsider.com%2Fthis-28-year-old-is-making-sure-credit-cards-wont-exist-in-the-next-few-years-2011-11).  There are numerous other sources that have been linked too.  This isn't going to kill credit cards.  It isn't moving $350 million it is projected to reach that point.  The amount of posts about Dwolla is at the level of spam.


If you're a US citizen/resident - you pay taxes on your worldwide income regardless of where you live. The logic is that Americans generally don't agree to the view that there's more than one country in the world. If you're non-US person, not physically present in the US, and provide contract work for a US employer - you generally don't pay taxes in the US. The logic is that the US doesn't actually have any jurisdiction over that money, you didn't earn it in the US. That said, your employer might withheld tax and remit it to the IRS, and you'll have to chase them for refund. If you receive income from the US rental property or dividends from a US company - you pay income tax to the US on that income, and then bargain with your home tax authority on refunds of the difference between what you paid in the US and what you should have paid at home. You can also file non-resident tax return in the US to claim what you have paid in excess. The logic is that the money sourced in the US should be taxed in the US. You earned that money in the US. There are additional rules to more specific situation, and there are also bilateral treaties between countries (including a US-Canadian treaty) that supersede national laws. Bottom line, not only that each country has its own laws, there are also different laws for different situations, and if some of the international treaties apply to you - it further complicates the situation. If something is not clear - get a professional advice form a tax accountant licensed in the relevant jurisdictions (in your case - any of the US states, and the Canadian province where you live).


One could wish that. If you speak to Chinese in China even they don't trust Chinese businessses and don't want Chinese goods. Hiring top European and American design and engineering firms for large projects doesn't help if the guy putting the base down decides not to follow the specifications or the subcontractor doing the concrete tries to save a few bucks and does a shoddy job.    As far as coming up with new ideas? Do you know why so many  Chinese firms and the government hack and steal information?  Group think is a way of life and no one wants to stick out.


You can't prove any part of your last two paragraphs. Since this is the internet I'm inclined to not believe what you say (shocking).  I can provide a million examples of how the private sector is doing a higher quality and cheaper job of all of the things that government does.  Edit: I'm a college graduate living paycheck to paycheck, please don't advocate for higher taxes because trust me it won't help me or anyone you think it will help. (Because it never does)


They're both shitty. But you are ignorant if you think the DNC is not. Look no further than Hillary, making deals to make her and her family rich. She took donations from saudi arabia, morocco, qatar, kazakhstan and crooked businessmen from Russia


"This is the best tl;dr I could make, [original](http://bruegel.org/2017/10/an-irrational-choice-behavioural-economist-wins-nobel-prize/) reduced by 90%. (I'm a bot) ***** > Martin Sandbu in the FT lists some of Thaler&#039;s seminal contributions to behavioural economics, which reveal people&#039;s bounded rationality, willpower and self-interest.  > What needs to change? Between those who argue that imperfect rationality changes everything and those suggesting that the assumption of rationality is still the best game out there, Krugman asserts that the answer depends on the field.  > If the market for financial advice is an efficient market where individuals pay to counter their behavioural biases, then these behavioural biases are as severe as suggested by the high price that individuals are ready to pay.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/76q65t/bruegel_an_irrational_choice_behavioural/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~229264 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*: **rationality**^#1 **Bryan**^#2 **market**^#3 **Thaler**^#4 **irrationality**^#5"


No, you don't. Self made means you didn't inherit your money. This person did not inherit his position. He did not inherit his money. He is earning it. He has had some advantages, but that doesn't make him not self-made.    If having an advantage means you're not self made, then when would the cutoff be? Would it be a certain level of wealth? But what about all those people in Africa/India/China? Surely no one born in the US faces that level of hardship, so then no one in America can be self made. Sorry, Oprah. Ok, so within the poorest of countries, there are still disparate levels of wealth. Surely Dinesh who was born to a destitute family in a rural part of India has it tougher than Vijay, who was born to a lower middle class family in Mumbai. Hm.. So to not have an advantage, we've now restricted ourselves to the absolute poorest people from the poorest countries. That is literally the only group of people who could be 'self made', because anything else would be subjective.


Yes, precisely.Thanks. Which explains why the socialization process for most of us is based on a deference to authority, the virtues of hard work, merit and playing by the rules, whether at school, or at play or at the dinner table or in the street. Some few among us are taught a different curriculum, one based on entitlement.


While I'd don't necessarily disagree with you, the example you use is a bad one, because there are problems of access to fresh produce (healthy food) in poor areas.  So the fat poor people is not because they eat a lot so much as because of what they can afford to eat, both in terms of time spent and availability of other options.


Of course there is. Plenty of people in finance with average degrees. Front office may be difficult but there are plenty of middle office and back office roles that don't care as much about pedigree. On top of that finance is becoming one of the more reliable industries that are always hiring (at least until the next market crash)


"Read ""Rich Dad, Poor Dad"" and learn about Cashflow Quadrants, specifically the difference between being self employed and being a business owner.    The short version is that when you're self employed, you just own your job, and your boss is a complete asshole.  Owning a business is about leveraging the efforts and capital of others, essentially ""Playing the orchestra"" as your instrument.    Edit:  BTW, gorgeous work!!"


The New York City press and Mayor Michael Bloomberg have been treating us to an elaborate charade. It goes like this: the press complains that the cops have prevented it from covering Occupy Wall Street and the mayor claims that's not true. What a farce! The press had to be dragged kicking and screaming to cover the Occupy movement when it should have been the first to defend the protesters' First Amendment rights to assemble and dissent. Neither the mayor nor the press gave a damn about the protesters' rights, but now the press wants to get in front of the story and pretend its First Amendment rights were abridged. Mayor Bloomberg got filthy rich off the First Amendment, but he was the first to abridge it in the name of all sorts of bogus excuses,


"From some of your previous questions it seems like you trade quite often, so I am assuming you are not a ""Buy and Hold"" person. If that is the case, then have you got a written Trading Plan? Considering you don't know what to do after a 40% drop, I assume the answer to this is that you don't have a Trading Plan. Before you enter any trade you should have your exit point for that trade pre-determined, and this should be included in your Trading Plan. You should also include how you pick the shares you buy, do you use fundamental analysis, technical analysis, a combination of the two, a dart board or some kind of advisory service? Then finally and most importantly you should have your position sizing and risk management incorporated into your Plan. If you are doing all this, and had automatic stop loss orders placed when you entered your buy orders, then you would have been out of the stock well before your loss got to 40%. If you are looking to hang on and hoping for the stock to recover, remember with a 40% drop, the stock will now need to rise by 67% just for you to break even on the trade. Even if the stock did recover, how long would it take? There is the potential for opportunity loss waiting for this stock to recover, and that might take years. If the stock has fallen by 40% in a short time it is most likely that it will continue to fall in the short term, and if it falls to 50%, then the recovery would need to be 100% just for you to break even. Leave your emotions out of your trading as much as possible, have a written Trading Plan which incorporates your risk management. A good book to read on the psychology of the markets, position sizing and risk management is ""Trade your way to Financial Freedom"" by Van Tharp (I actually went to see him talk tonight in Sydney, all the way over from the USA)."


Firms don't have to pay too much after a wrongful death.  The Fed actually put a price on a persons death.  [Its $250,000](http://www.wrongfuldeath-law.com/CM/Resources/Wrongful-Death-FAQ.asp#types0) for emotional distress and any other non-economic loss they can prove.    For a large energy company having [on average 30 wrongful deaths a year](http://www.msha.gov/mshainfo/factsheets/mshafct2.htm). It probably wont change any numbers on a balance sheet.


Thanks, Yeah I know. Here in Budapest we don't really have good meetups.  I visited a few digital nomad meetups those are great but we have just 1-2/year. On September we are planning to move to Thailand for a few months. Hopefully we will have better options for networking there.


No, something doesn't seem right here.  There would be virtually no time value to the option 10 minutes before market close on the expiration day. What option is it, and what is the expiration? EDIT: It appears you were looking only at the ASK price. It was $2.05. However, the BID price was only $1.35 and the last transaction was $1.40. So the true value is right about $1.35 to $1.40 at this second.  This is a pitfall that tends to occur when you trade options with almost no volume. For instance, the open interest in that option is only 1 contract (assuming that is yours). So the Bid and the Ask can often be very far apart as they are only being generated by computer traders or the result of outdated, irrelevant human orders.


"I can think of one major income source you didn't mention, dividends.  Rather than withdrawing from your pension pot, you can roll it over to a SIPP, invest it in quality dividend growth stocks, then (depending on your pension size) withdraw only the dividends to live on. The goal here is that you buy quality dividend growth stocks.   This will mean you rarely have to sell your investments, and can weather the ups and downs of the market in relative comfort, while using the dividends as your income to live off of.   The growth aspect comes into play when considering keeping up with inflation, or simply growing your income.   In effect, companies grow the size of their dividend payments and you use that to beat the effects of inflation. Meanwhile, you do get the benefit of principle growth in the companies you've invested in.   I don't know the history of the UK stock market, but the US market has averaged over 7% total return (including dividends) over the long term. A typical dividend payout is not much better than your annuity option though -- 3% to 4% is probably achievable.   Although, looking at the list of UK Dividend Champion list (companies that have grown their dividend for 25 years continuous), some of them have higher yields than that right now.   Though that might be a warning sign... BTW, given all the legal changes around buy-to-lets recently (increases stamp duty on purchase, reduction in mortgage interest deduction, increased paperwork burden due to ""right to rent"" laws, etc.) you want to check this carefully to make sure you're safe on forecasting your return."


"Yes. Because you co-signed the loan, you are responsible for the loan just as much as she was. When you co-sign a loan, you are essentially saying ""I will pay this loan if the other person can't."""


I think you're missing my point. I'm not saying automation isn't useful or beneficial to society. I feel it's disingenuous to argue there would be no net job loss. Companies won't invest capital unless there is the prospect of a return. Therefore, they won't build robots unless they are saving on labor. If they have to replace an equal number of unskilled laborers with skilled laborers at a higher cost in addition to the capital expenditure to purchase the robots, it doesn't make sense to purchase the robots.  Companies adopt automation because it saves them money in the long run, mostly by replacing human workers and resulting in a net job loss.


If you're talking about TRUPS (Trust Preferred securities) these are all but banned for new issuance under Dodd-Frank and other regulations. Although some companies still have outstanding TRUPS most have either matured, defaulted or been refinanced into some other form of debt. Its not really an available form of capital raising anymore.


"You have entirely missed the point.  Let us get race and class out of this.  Lets switch to something perhaps a bit less controversial -- and say there is one teacher that is really good at working with teenagers, and another that... well, just *isn't* any good working with that age group.  But the second teacher might work very well when working with *younger* children (and conversely the first teacher might be really poor at it).  The same ""bare performance metric"" (ratio of change in student retention/understanding of subjects before/after a semester with said teacher) could be used to measure BOTH teachers in BOTH environments, without being concerned with the ""specific details"" of the environment.  Same thing would would in cases of race/ethnicity, class, etc.  And I am not talking about ""federal programs"" here (nor even statewide union-negotiated ""systems"") -- that is all just one version or another of central planning bullshit, and it WILL be gamed -- I'm talking about allowing LOCAL parents/schools/administrators to hire/fire based on MERIT and performance (as they perceive it, and however they want to judge it; it doesn't HAVE to be homogeneous)."


Sure! Anything that affects the balance of supply and demand could cause rent prices to fall. I'll betcha rent prices in Wilmington, Ohio collapsed when the biggest employer, DHL, shut down. An economic depression of any sort would cause people to substitute expensive rentals for cheaper ones, putting downward pressure on rents. It would also cause people to double up or move in with family, decreasing demand for rentals. Anything that makes buying a house cheaper will actually make rents lower, too, because more people will buy houses when houses get cheaper... those people are moving out of rentals, thus decreasing demand for rentals.


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-08-03/singer-s-elliott-hedge-fund-returns-3-5-in-the-first-half) reduced by 88%. (I'm a bot) ***** > Billionaire Paul Singer is warning of a growing and menacing threat: passive investing.  > &quot;Passive investing is in danger of devouring capitalism,&quot; Singer wrote in his firm&#039;s second-quarter letter dated July 27.  > &quot;In a passive investing world, small shareholders have little-to-no voice and no realistic possibility of banding together, while the biggest shareholders have no skin in the game so long as the money manager does not underperform the index by five-hundredths of a percentage point, in which case the customer calls up the money manager and starts yelling,&quot; the letter said.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6rk6w1/paul_singer_says_passive_investing_is_devouring/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~183138 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*: **Singer**^#1 **let**^#2 **market**^#3 **fund**^#4 **passive**^#5"


Pamper yourself on a daily basis with the most elegant of our Tresaro Chenille robes—Featured at world famous five star hotels and spas, you will feel refreshed and elegant. Our famous Tresaro robe is made from 100% chenille micro-fiber fabric. The Tresaro bath robe features a full shawl collar with


A communications strategy is designed to help you and your organization communicate effectively and meet Communication business plan organizational objectives. Here we look at the key elements of a communications strategy as well as how press/PR plans, web strategies and marketing plans fit into your organization’s overall communications strategy.


"To address the issue in the title of your question: Many expenses strike at what for all practical purposes are random intervals. Roof starts leaking, car needs repair, etc, don't have a fixed cost every month. Medical expenses can certainly be more extreme than many other expenses, but their nature is the same. And so the way to budget for them is the same: You figure out what your average expenses are over a long period of time. Then you start putting away a little more than this amount every month. Keep putting away until you have a reserve larger than any expense you are likely to get hit with all at once.  I have no idea what your particular expenses are, so let me use myself for an example. My medical bills last year were unusually large: about $6,000. I have lousy insurance and a couple of chronic conditions, so my bills are usually maybe $1,000 to $2,000 per year. So I plan on about $150 per month for medical bills. Most insurance policies have an ""out of pocket maximum"". This should be the most you'd ever have to lay out in a year. Mine is $13,000. (I told  you my insurance sucks.) So I have an account that I have now built up to $13,000. Worst case, I wipe out that account. In any case, if my bills are that large, the doctors or hospital will normally agree to a payment plan. (I still owe a few hundred on my bills from last year and the hospital is letting me pay it off at $120 per month.) Your question brings up a lot of issues about difficulties of working with insurance and the U.S. medical system in general. I'm not sure if your intent was to get advice on the rest of it all. Simple -- not pleasant, but simple -- answer: If you're insurance is provided by your employer, you're pretty much stuck with the policy that the employer negotiates. I don't know how much you're contributing to premiums, usually the company pays the bulk of it. You could investigate getting a policy on your own, but odds are that any policy you could get for what you're contributing now would be way worse than what you can get through the company. You could always investigate, but I doubt you'll do better. You can talk to HR. If it's a big company, they may have some muscle with the insurance company and could help you out. Failing that, it becomes a political question of how the laws affecting medical care and insurance in the U.S. are set up, and while I have many ideas for how it could be improved, sadly I'm not in a position to do much about it, and I doubt you are either. Unless you have the resources to run for president."


This is an all too common problem and is not easy to resolve. Divorce agreements do not alter prior mortgage contracts. Most importantly, the bank is not required, and will not normally, remove the girlfriend from the mortgage even if she quitclaimed it to her Ex. If he has abandoned the property there is a good chance he will not make any more future payments. She should be prepared to make the payments if he doesn't or expect her credit to continue to deteriorate rapidly. She needs to contact her divorce attorney to review their mutual obligations. A court can issue orders to try to force the Ex to fulfill the divorce agreement.  However, a court cannot impose a change to the mortgage obligations the borrowers made to the bank. Focus on this. It's far more important than adding her to a car loan or credit card. Sorry for the bad news. As for the car loan, it's best to leave her off the loan. You will get better terms without her as a joint owner. You can add her as an additional driver for insurance purposes. Adding her to your credit cards will help her credit but not a lot if the mortgage goes to default or foreclosure.


"One ""con"" I have not yet seen mentioned: retirement accounts are generally protected from creditors in a bankruptcy.  There are limits and exceptions, Roth has a 1.2 million dollar limit and can be split by a divorce QDRO for instance.  Link Since it seems you have no income this year, you may may be raiding your IRA for living expenses.   If there is a chance you may declare bankruptcy in the next year or so, consider doing that first and raid the IRA for seed money after."


> Most people don't understand HF as investment vehicles. They are meant to be market neutral and focused on absolute returns.  Good point. I bet a lot of managers are explaining that to their clients quite a bit right now haha.


If you have complicated taxes (own a business, many houses, you are self employed, you are a contractor, etc etc) a person can make the most of your situation. If you are a w-2 single job, maybe with a family, the programs are going to be so close to spot on that the extra fees aren't worth it. I would never bother using HR Block or Liberty or those tax places that pop up.  Use the software, or in my state sometimes municipalities put on tax help days at the library to assist in filling out the forms. If you have tough taxes, get a dedicated professional based on at least a few recommendations.


Whether looking to launch a new campaign or welcome a new agency into the mix, knowing how to write an effective marketing brief is essential. Therefore, the team and I at Agency Scouts have put together a brilliant infographic outlining the 8 essential elements of a marketing brief.   Enjoy!


"http://www.npr.org/2012/04/24/151305380/student-loan-debt-exceeds-one-trillion-dollars  http://online.wsj.com/article/SB10001424052702303812904577295930047604846.html  Funny, this is from more than a month ago, and from reputable news sources.  Is someone behind the curve?  It didn't seem like the entire article was about student loans, so much as a ""state of the economy"" with an emphasis on student loans."


There are penalties for failure to file and penalties for failure to pay tax.  The penalties for both are based on the amount of tax due.  So you would owe % penalties of zero, otherwise meaning no penalties at all. The IRS on late 1040 penalties: Here are eight important points about penalties for filing or paying late. A failure-to-file penalty may apply if you did not file by the tax filing deadline. A failure-to-pay penalty may apply if you did not pay all of the taxes you owe by the tax filing deadline. The failure-to-file penalty is generally more than the failure-to-pay penalty. You should file your tax return on time each year, even if you’re not able to pay all the taxes you owe by the due date. You can reduce additional interest and penalties by paying as much as you can with your tax return. You should  explore other payment options such as getting a loan or making an installment agreement to make payments. The IRS will work with you. The penalty for filing late is normally 5 percent of the unpaid taxes for each month or part of a month that a tax return is late. That penalty starts accruing the day after the tax filing due date and will not exceed 25 percent of your unpaid taxes. If you do not pay your taxes by the tax deadline, you normally will face a failure-to-pay penalty of ½ of 1 percent of your unpaid taxes. That penalty applies for each month or part of a month after the due date and starts accruing the day after the tax-filing due date. If you timely requested an extension of time to file your individual income tax return and paid at least 90 percent of the taxes you owe with your request, you may not face a failure-to-pay penalty. However, you must pay any remaining balance by the extended due date. If both the 5 percent failure-to-file penalty and the ½ percent failure-to-pay penalties apply in any month, the maximum penalty that you’ll pay for both is 5 percent. If you file your return more than 60 days after the due date or extended due date, the minimum penalty is the smaller of $135 or 100 percent of the unpaid tax. You will not have to pay a late-filing or late-payment penalty if you can show reasonable cause for not filing or paying on time. If the IRS owes you a refund, April 15 isn't much of a deadline. I suppose the real deadline is April 15, three years later - that's when the IRS keeps your refund and it becomes property of the Treasury.  Of course, there's little reason to wait that long.  Don't let the Treasury get all your interest.


They're also expected to have an above average level of physical fitness, a certain skill level, and a willingness to literally die at a moments notice for their job.  Can you say the same about yours or any job that pays at the median?


I have traveled to SE Asia several times, am from East Asia, and go to school in America. I didn't really notice a lot of difference in airport security. If anything it's travelers into America who are most heavily inspected.


I had better healthcare when I had a full time job and the company provided it until ACA came around and the company changed the majority of full time positions to part time. Now I have two part time jobs and ACA healthcare with a high premium and insanely high deductible. Is that supposed to be good?


I had my car seized last year and I was charged thousands and had a ton of hardships and almost lost my car and was without it for 2 months due to this.   Also they didn't tell me what I was being charged. When I fell behind my car insurance, Wells Fargo automatically started charging me without notifying me. Also what pissed me off was they never told me about the charges when I went into the bank to pay my car note every month.  I paid my car note in person every month and I ASKED them every month what my payment was and they never once told me about any additional charges. That's what pissed me off. The fact that I walked into the bank every month, made my payment, and NO ONE informed me of any additional charges. Every month I walked in, verified my payment, and paid in full.  I was livid when I received a phone call months later that I owed thousands and when I asked if I could set up a payment plan because I couldn't pay all at once, I was threatened and insulted. Then a week or so later my car is missing from in front of my house and I began the long tedious process of getting it back.   It totally fucked up my finances and mental health. I hate Wells Fargo. So fucking shady. This stuff really affects real people.


Roderick (Rod) Kagy, a successful executive in Fortune 100 organizations, entrepreneurial start-ups, and leader in business management has a long history of humanitarian advocacy. Being a specialist Rod was well recognized as professional in research administration and business turnaround across the world.


">Performance measurement in something like a manufacturing job, or cashier, or fry cook is fairly easy to measure.  You rather obviously just don't have much experience with the actual working world of ""jobs"" outside of academia.  IOW, your ignorant arrogance is showing. Dial it back."


There are rules that prevent two of the reactive measures you suggest from occurring. First, on the date of and shortly following an IPO, there is no stock available to borrow for shorting. Second, there are no put options available for purchase. At least, none that are listed, of the sort you probably have in mind. In fact, within a day or two of the LinkedIn IPO, most (all?) of the active equity traders I know were bemoaning the fact that they couldn't yet do exactly what you described i.e. buying puts, or finding shares to sell short. There was a great deal of conviction that LinkedIn shares were overpriced, but scant means available to translate that market assessment into an influence of market value. This does not mean that the Efficient Markets Hypothesis is deficient. Equilibrium is reached quickly enough, once the market is able to clear as usual.


"What does everyone think of the impact of  passive dollar cost index investing pumping money into shares regardless of value?  Everywhere you look, people are saying ""just keep buying and don't look at the price as you can't time the market anyway"". This makes sense but also makes me wonder how his is impacting prices."


This is the exact reason I don't live in an expensive city.  I turned down a job offer in DC paying 60k right out of school because I could get a similar salary in the midwest and pay about half as much in living expenses.    --Sent from a 2 bedroom apartment in an urban area with included laundry facilities for $750/month.


"This is the best tl;dr I could make, [original](http://economictimes.indiatimes.com/news/politics-and-nation/indian-farmers-need-the-fundamental-economics-of-agriculture-to-be-fixed/articleshow/59195732.cms) reduced by 92%. (I'm a bot) ***** > Farmer associations are demanding the implementation of distress formula proposed by agriculture scientist MS Swaminathan and the National Commission on Farmers: minimum support price that is the cost of production plus 50%. Kakkaji even wants adjustment for inflation.  > &quot;If there is a shortage in a commodity that could lead to price rise and better returns for the farmers, that would be countered in the integrated e-market because people will opt to bu y at lower prices elsewhere.  > Pace Wisdom director Bharath Jatangi told ET Magazine: &quot;Imagine if the government can predict the exact tonnes of production of all crops, tell farmers about fertile and nonfertile lands and insure accordingly so that there would be zero crop loss? We are able to do that by using algorithms that combine satellite imagery with weather and location data and correlate the outputs with economic datasets.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6hyzdf/farmers_what_indian_farmers_really_need_a_total/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~147113 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*: **farm**^#1 **price**^#2 **crop**^#3 **waive**^#4 **agriculture**^#5"


"business  I want to invest in real estate (buy and hold, rent out), which i've already done a bunch of research on it. i figure i'll only need about 4k to begin because of the 3.5% down and i'll live in one unit and rent the others. i also want to start my own business, but that's a little further down on the list I think  i went to college in the first place because I felt I had to because all my friends did and that's what you're ""supposed"" to do"


Its different because, at least with both stock options and futures, the product is going to eventually get that money.  The difference is that you don't have to spend that money directly on that product right now, allowing you to invest far more then you can afford since you are going to cover that option or sell that contract long before you are ever going to be on hook for actually buying all those stocks or barrels of oil you were trading.  It's actually a good way for a middle class investor to become really wealthy, because if he is good all he needs is to save only about 10,000 to invest and he can invest like he's investing 100,000.  Obviously there's more risk too, but give and take i guess.


"This is the best tl;dr I could make, [original](https://www.theatlantic.com/business/archive/2017/05/so-where-are-all-those-robots/528666/?single_page=true) reduced by 93%. (I'm a bot) ***** > Most people agree that if automation were replacing workers, there would be an enormous productivity boom coinciding with massive job losses or a long period of miserably low wage-growth.  > In an economy where automation is rendering humans obsolete in huge swaths of the economy, one would expect to see entire occupation categories getting wiped out, as people go unemployed or take jobs in other sectors.  > First, there is only so much that one can say about the future of work from studying an economy many years into an expansion, since the most wrenching changes to the job force almost always occur during recessions.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6fm5wy/where_are_all_the_robots/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~137783 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **job**^#1 **economy**^#2 **automation**^#3 **technology**^#4 **more**^#5"


You can get direct market access (DMA) but you have to pay for data, as this is part of the exchanges data plan, and there are plenty of other fees that are passed straight down to you. Your clearing firm also has fees that are passed on to you. In general you are looking at $150 a month on the low side, in data and software fees. If you wanted pure access, NASDAQ alone charges $6,000 a month last I checked. The different routes data routes to the exchange all have different rules, and they give you rebates for some kinds of orders in some conditions.  Brokers nowadays usually assume this responsibility (including collecting the rebates lol), at the very least, and charge an average price for routing your orders, a price that fits into their business plan and their target audience. Hope that helps.


There are a few startups that have robots making the pizza. The only thing a human is used for is distributing the toppings evenly (that's being ironed out too), and refilling the pizza sauce and cheese containers. So it's not complete bs. Burgers, breakfast foods, pizzas and other things are being made by robots as we speak


I wouldn't be too concerned, yet.  You're young.  Many young people are living longer in the family home.  See this Guardian article: Young adults delay leaving family home.  You're in good company.  Yet, there will come a time when you ought to get your own place, either for your own sanity or your parents' sanity.  You should be preparing for that and building up your savings. Since you've got an income, you should – if you're not already – put away some of that money regularly.  Every time you get paid, make a point of depositing a portion of your income into a savings or investment account.  Look up the popular strategy called Pay Yourself First. Since you still live at home, it's possible you're a little more loose with spending money than you should be – at least, I've found that to be the case with some friends who lived at home as young adults.  So, perhaps pretend you're on your own.  What would your rent be if you had to find a place of your own?  If, say, £600 instead of the £200 you're currently paying, then you should reduce your spending to the point where you can save at least £400 per month.  Follow a budget. With respect to your car, it's great you recognize your mistake.  We're human and we can learn from our mistakes.  Plan to make it your one and only car mistake.  I made one too. With respect to your credit card debt, it's not an insurmountable amount.  Focus on getting rid of that debt soon and then focus on staying out of debt.  The effective way to use credit cards is to never carry a balance – i.e. pay it off in full each month.  If you can't do that, you're likely overspending. Also, look at what pensions your employer might offer. If they offer matching contributions, contribute at least as much to maximize the tax free extra pay this equates to. If you have access to a defined benefit plan, join it as soon as you are eligible. Last, I think it's important to recognize that at age 23 you're just starting out.  Much of your career income earning potential is ahead of you.  Strive to be the best at what you do, get promotions, and increase your income.  Meanwhile, continue to save a good portion of what you earn.  With discipline, you'll get where you want to be.


Something doesn't have to be defective to return it to Walmart. You can return it for any reason. This let's you buy something and if it doesn't work out for any reason, return it. I end up doing this at Walmart for all kinds of reasons.   You can't do this with Amazon. If you try to return something to Amazon that isn't defective they will want you to pay the shipping.


"Sure, stocks don't pay interest. I just looked up the word ""compound"" in a couple of dictionaries and the relevant definition in all of them just mentioned interest and not growth in the value of stock. So it may be technically inaccurate to talk about ""compound growth"" of a stock. I'll yield to someone more knowledgeable about the technical language of finance to answer that part. But regardless of whether the word strictly applies, the concept certainly does. Suppose you put $1000 into a mutual fund and the fund grows by 10%. You now have $1100. The next year the fund grows by 15%. So you gain 15% of what? Of your original $1000? No, of your present balance, $1100. The effect is the same as compound interest. There is the fundamental difference that interest is normally a fixed rate: you get such-and-such percent a year as spelled out in a contract. But change in the value of a stock depends on many factors, none of them guaranteed."


"Just for clarification, my perspective on education background is from a front office associate at a BB that interacts with the traders and analysts at other BB's and HF's daily.... many of whom have become good friends.  Take it for what you will.  It's not my role to tell you which is right for you but I can definitely give an honest perspective of which is far more common.   > There were 11,620 people who passed L3 last year   Doesn't take into account the number of these that were already MBA holders (quite a larger percent as MBA has become less competitive and a CFA is required to demonstrate the quantitative capacity of a MBA holder).  This is a huge factor in the skew of your numbers as MBA's have become dime a dozen, MBA holders are now being expected to hold a MS or get a CFA to establish that their quantitative skills are qualified for working on modern day wall st front office roles.  > and became charter holders  Wrong.  Passing L3 doesn't automatically make you a charterholder.  You need the 48 months of approved experience in portfolio management, investment analysis, or market research.  These roles are becoming more and more exclusive to target graduates and mba holders so the likelihood of a CFA charterholder already having a MBA is actually increasing.  > Now lets just take the top 25 MBA programs, that'd be 460 people/class graduating to reach this number. Actual numbers are MUCH lower than this.  Clearly you don't realize the graduate enrollment levels at target schools.  Lets take a look at full time enrollment (meaning 1/2 graduates each year) for the top 10 for finance:  * Wharton:  1,669 * UChi:  1,160 * NYU:  784 * Columbia: 1,264 * MIT:  804 * Stanford:  803 * Harvard:  1,808 * UC Berkley:  492 * UCLA:  750 * Northwestern:  1,201  That's averaging 536 graduates/year per school at the top 10 schools for finance.  To argue that there are no graduates from UNC, Duke, CMU, USC, Emory, Cornell, Georgetown, Dartmouth, Yale, IU, Rice, Vanderbuilt, etc on Wall St would be ignorance in its purest form.  > Trust me, I'm a big fan of the CFA,   You might be a fan but clearly you don't know much about the exam.... keep reading and you'll see why  > but I know some really dumb people who are charter holders because they learned to memorize a test.  Memorize a test?  You can def argue that for L1... Not for L2 or L3.  There's a reason there's such a collective failure amongst candidates that pass 1 and move on to L2 and L3.  L2 requires critical scenario understanding of the concepts more than the formulas itself.  It tests your ability to understand complex and unique FRA (such as repatriated foreign exhange delta's on cash flows)... Not just memorizing a formula and regurgitating.  L3 is even more removed from just formulas as requiring detailed essay responses.  3 hour section with 10-15 multipart essay questions?... yeah sounds like formula memorizing. /s  > These same people would never get admitted to a top 10, no less 25 MBA program.  This is an irrelevant point.  There are plenty of top 10 and top 25 mba program grad's that wouldn't pass the CFA either.  Both emphasize different skillsets.  Front office wall st is becoming more and more geared towards MS holders and CFA charters... many MBA's holders and MBA programs lack the quantitative focus to take these roles and are being denied.  >One thing I will give you, there are WAY too many MBAs in general (partially because of all the part-time, night-time, executive ones)... But an MBA is very different then a CFA in that its banded by school and category.  Absolutely.  That reinforces my entire point that MBA's are dime a dozen.  What are we arguing about again?...  MBA's are very different than a CFA in that even within target schools, they each emphasize on entirely different skills.  MIT Finance mba grads are far more likely to possess strong quantitative than say a Harvard MBA.  The reason is that the CFA is a standard qualification that focuses entirely on quantitative capacity.... it is like a MS in the sense that its a mile deep and a foot wide whereas MBA's are a foot deep and a mile wide.  > Everyone with a CFA has the same CFA; however, a Wharton degrees sure carries a lot more clout than a UMD one...  You're right.  But a CFA isn't meant to be comparable and interchangeable with a Wharton degree.  The CFA's closest comparison is a MS in quantitative/computational finance.  So if you're trying to say CFA is less valuable than a MBA it's apples and oranges.  You never will see a job require a MBA or CFA... the CFA will always be listed on a job role as ""preferred MS/CFA"".  Try comparing CFA against a MS from Columbia or Carnegie Mellon MSCF grad and you might have valid results."


Depending on the student loan, this may be improper usage of the funds.  I know the federal loans I received years ago were to be used for education related expenses only.  I would imagine most, if not all, student loans would have the same restrictions. Bonus Answer: You must have earned income to contribute to an IRA (e.g. money received from working (see IRS Publication 590 for details)).  So, if your earmarked money is coming from savings only, then you would not be eligible to contribute.  As far as whether you can designate student loans for the educational expenses and then used earned income for an IRA I would imagine that is fine.  However, I have not found any documentation to support my assumption.


"From April 2017 the plan is that there is now also going to be a ""Lifetime ISA"" (in addition to the Help to Buy ISA). Assuming those plans do not change, they government will give 25% after each year until you are 50, and the maximum you can put in per year will be £4000. Catches:  You can only take the money out for certain ""life events"", currently: Buying a house below £450000 anywhere in the country (not just London).  Passing 60 years of age. If you take it out before or for another reason, you lose the government bonus plus 5%, ie. it currently looks like you will be left with 95% of the total of the money you paid in. You cannot use the bonus payments from this one together with bonus payments from a Help to Buy ISA to buy a home. However you can transfer an existing Help to Buy ISA into this one come 2017. While you are not asking about pensions, it is worth mentioning for other readers that while 25% interest per year sounds great, if you use it for pension purposes, consider that this is after tax, so if you pay mostly 20% tax on your income the difference is not that big (and if your employer matches your contributions up to a point, then it may not be worth it). If you pay a significant amount of tax at 40% or higher, then it may not make sense for pension purposes. Tax bands and the ""rates"" on this ISA may change, of course. On the other hand, if you intend to use the money for a house/flat purchase in 2 or more years' time, then it would seem like a good option. For you specifically: This ""only"" covers £4000 per year, ie. not the full amount you talked about, but it is likely a good idea for you to spread things out anyway. That way, if one thing turns out to be not as good as other alternatives it has less impact - it is less likely that all your schemes will turn out to be bad luck. Within the M25 the £450000 limit may restrict you to a small house or flat in 5-10 years time. Again, prices may stall as they seem barely sustainable now. But it is hard to predict (measures like this may help push them upwards :) ).  On the plus side, you could then still use the money for pension although I have a hard time seeing governments not adjusting this sort of account between now and your 60th birthday. Like pension funds, there is an element of luck/gambling involved and I think a good strategy is to spread things if you can."


ArcelorMittal is the parent company in Luxembourg; ArcelorMittal USA is the LLC subsidiary that operates in north america.  Since the subsidiary is a private company, I can't tell you what their financials actually look like, but from the parent company earnings conference comments; business is down in north america.  The profit-sharing agreement is quite likely with the USA subsidiary and not directly to the parent company.


"> 10 Filthy-Rich, Tax-Dodging Hypocrites Pushing Disastrous Austerity on America – The Fix the Debt coalition is using the so-called ""fiscal cliff"" to push the same old corporate agenda of more tax breaks while shifting the burden on to the rest of us.  That kind of rhetoric helps no one.  Also, doesn't this belong in /r/politics?"


Diversify, diversify, diversify. Gold, USD, Swiss Franc and one thing that hasn't really been mentioned yet: equities.  Yes, they may go down if the recession gets worse but at the end of the day you have a claim to a company. That's a physical asset. It's also a hedge against inflation/devaluation just like foreign currencies and precious metals. Make sure that you invest in companies that actually produce something that will always be needed though. I.e. Siemens, Novartis, Caterpillar etc. NOT the Zyngas and Facebooks of the world!


Party bus rentals will give the alternative of satellite TV for your amusement needs. Encompass sound stereo are added to get high caliber in sound. For immovability, class and style, Boulder party buses are outstanding decision and it will give you everlasting voyaging background.


It sort of sounds like you want to contradictory things: (1) to fix your credit so you will be able to get loans and (2) to have more money available to spend now. It sounds like the latter is probably not possible.  Not without getting into a worse situation than you are currently in (based on what you have written the next step is payday loans and the like, which is basically financial suicide). Fixing your credit is simple.  It's just not fun.  Cut your spending.  Cut it way, way, way down.  You will certainly have to change your lifestyle. I'd suggest taking a second job. Make the minimum payment on everything, then put all your extra money toward the most pressing things: I would focus on the former.  As you pay down your debt your utilization will go down, and this will raise your score automatically.  When you pay off your highest interest rate debt, don't change your spending.  Instead put everything you were putting to that to the next highest debt you have.  Continue until your highest interest rate loan is at or below the mortgage rate. When you get to this point you will notice that your credit score is vastly better and you are no longer spending all your money on interest.  You will probably be in a position to buy a home.  And you will have the satisfaction of knowing you did it yourself, rather than having a bankruptcy judge force you to change your lifestyle. A note on the items in collections: make sure they are all legit.  If any are wrong, it is pretty straightforward to contest them with the credit bureaus and get them taken off.  Things in collections will drop your score severely.


"And people want ""Guaranteed Basic Living Income"" for the poor.  LOL!!!!!!  Once elderly can live off social security alone, we can then talk about ""basic income"".  P/S: by the time I retire, I doubt I will get anything form SS... so I don't even count on SS when saving for retirement."


I agree 100% with that and management should consider that however, generally speaking, when it comes to these very low skill jobs, there is going to be someone else out there that is capable of doing the job just as well that is willing to do it for minimum wage


Facebook is going down hill as a site. It's constantly cluttered with ads on the news feed, and now videos. The comment sections are full of spam, fake accounts and lots pf banter.  The site is way off from what it once was, it completely takes the enjoyment of being their away from users. Plus Twitter,  Reddit, Snapchat and other social sites seem to be were people are turning to.


"It sounds like the kinds of planners you're talking to might be a poor fit, because they are essentially salespersons selling investments for a commission. Some thoughts on finding a financial planner The good kind of financial planner is going to be able to do a comprehensive plan - look at your whole life, goals, and non-investment issues such as insurance. You should expect to get a document with a Monte Carlo simulation showing your odds of success if you stick to the plan; for investments, you should expect to see a recommended asset allocation and an emphasis on low-cost no-commission (commission is ""load"") funds. See some of the other questions from past posts, for example What exactly can a financial advisor do for me, and is it worth the money? A good place to start for a planner might be http://napfa.org ; there's also a franchise of planners providing hourly advice called the Garrett Planning Network, I helped my mom hire someone from them and she was very happy, though I do think your results would depend mostly on the individual rather than the franchise. Anyway see http://www.garrettplanningnetwork.com/map.html , they do require planners to be fee-only and working on their CFP credential. You should really look for the Certified Financial Planner (CFP) credential. There are a lot of credentials out there, but many of them mean very little, and others might be hard to get but not mean the right thing. Some other meaningful ones include Chartered Financial Analyst (CFA) which would be a solid investment expert, though not necessarily someone knowledgeable in financial planning generally; and IRS Enrolled Agent, which means someone who knows a lot about taxes. A CPA (accountant) would also be pretty meaningful. A law degree (and estate law know-how) is very relevant to many planning situations, too. Some not-very-meaningful certifications include Certified Mutual Fund Specialist (which isn't bogus, but it's much easier to get than CFP or CFA); Registered Investment Adviser (RIA) which mostly means the person is supposed to understand securities fraud laws, but doesn't mean they know a lot about financial planning. There are some pretty bogus certifications out there, many have ""retirement"" or ""senior"" in the name. A good question for any planner is ""Are you a fiduciary?"" which means are they legally required to act in your interests and not their own. Most sales-oriented advisors are not fiduciaries; they wouldn't charge you a big sales commission if they were, and they are not ""on your side"" legally speaking. It's a good idea to check with your state regulators or the SEC to confirm that your advisor is registered and ask if they have had any complaints. (Small advisors usually register with the state and larger ones with the federal SEC). If they are registered, they may still be a salesperson who isn't acting in your interests, but at least they are following the law. You can also see if they've been in trouble in the past. When looking for a planner, one firm I found had a professional looking web site and didn't seem sketchy at all, but the state said they were not properly registered and not in compliance. Other ideas A good book is: http://www.amazon.com/Smart-Simple-Financial-Strategies-People/dp/0743269942 it's very approachable and you'd feel more confident talking to someone maybe with more background information. For companies to work with, stick to the ones that are very consumer-friendly and sell no-load funds. Vanguard is probably the one you'll hear about most. But T. Rowe Price, Fidelity, USAA are some other good names. Fidelity is a bit of a mixture, with some cheap consumer-friendly investments and other products that are less so. Avoid companies that are all about charging commission: pretty much anyone selling an annuity is probably bad news. Annuities have some valid uses but mostly they are a bad deal. Not knowing your specific situation in any detail, it's very likely that 60k is not nearly enough, and that making the right investment choices will make only a small difference. You could invest poorly and maybe end up with 50K when you retire, or invest well and maybe end up with 80-90k. But your goal is probably more like a million dollars, or more, and most of that will come from future savings. This is what a planner can help you figure out in detail. It's virtually certain that any planner who is for real, and not a ripoff salesperson, will talk a lot about how much you need to save and so forth, not just about choosing investments. Don't be afraid to pay for a planner. It's well worth it to pay someone a thousand dollars for a really thorough, fiduciary plan with your interests foremost. The ""free"" planners who get a commission are going to get a whole lot more than a thousand dollars out of you, even though you won't write a check directly. Be sure to convert those mutual fund expense ratios and sales commissions into actual dollar amounts! To summarize: find someone you're paying, not someone getting a commission; look for that CFP credential showing they passed a demanding exam; maybe read a quick and easy book like the one I mentioned just so you know what the advisor is talking about; and don't rush into anything! And btw, I think you ought to be fine with a solid plan. You and your husband have time remaining to work with. Good luck."


I'm not sure this is a safe assumption, necessarily. If the take is sufficient to permanently satiate whatever monetary need motivated the initial crime, risk in the ratio will remain the same but reward will be significantly altered. Having little wealth and gaining a great deal of wealth is different from having a great deal of wealth and getting even more wealth. As the risk/reward ratio would change, the decision-making process would not be the same.


I like this option, rather than exposing all 600k to market risk, I'd think of paying off the mortgage as a way to diversify my portfolio. Expose 400k to market risk, and get a guaranteed 3.75% return on that 200k (in essence). Then you can invest the money you were putting towards your mortgage each month.  The potential disadvantage, is that the extra 200k investment could earn significantly more than 3.75%, and you'd lose out on some money. Historically, the market beats 3.75%, and you'd come out ahead investing everything. There's no guarantee. You also don't have to keep your money invested, you can change your position down the road and pay off the house. I feel best about a paid off house, but I know that my sense of security carries opportunity cost. Up to you to decide how much risk you're willing to accept. Also, if you don't have an emergency fund, I'd set up that first and then go from there with investing/paying off house.


Don't have those degrees or even work in finance, but here's the bottom line: Study the job market in YOUR community or what city you want to work in. Ask around at your university and frequent the job searching websites to get a feel for what the potential job market will be like.


Beg, plead, whimper, and hope they take pity on you. Sorry, but there's no way to force someone to take less than you legitimately owe them except to declare bankrupty, and even that may not do it. If they aren't interested in throwing away $3000, your best bet really is to try to arrange a payment plan, or to get a loan from somewhere and pay that back over time. Of course either of those options is likely to cost you interest, but that's what happens... I wish I could say something else, but there really isn't any good news here.


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I know you say you are aware of secured and unsecured debt and you've made your decision.  Did you do the numbers?  You will pay 44k over the life of the mortgage for that 24k (Based on 4.5% APR mortgage). Once you refinance your mortgage, do you plan on using credit for a while?  Lots of Americans are hyperfocused on credit scores.  The only times it affects your life are when you finance something, when you apply to rent a house or apartment, and sometimes when you apply for a job.  Credit score should not be a factor in this decision. You're borrowing the money at a lower rate to pay off the high rate cards because you want to pay less in interest.  Considering #1 is there any reason NOT to pay off the cards immediately, if not sooner?


All lenders make money from loans, despite the fact that there will be some defaults, they just have to make enough money from those that don't default to offset the losses from those that do, so that their over all profit is good enough to be justified, so there's no reason the p2p lending companies can't protect your loan. If you remove the risk of losing your investment you can expect your return to be reduced though, as they have to take more profit away from you in order to fund the pool used to pay out when there is a default. This doesn't necessarily mean your money is completely safe though, if the p2p lender itself went bust you would probably still lose your money, unless it was appropriately insured. I'm not sure liquidity is really the right word really, liquidity is about encashment without serious penalty. If you can transfer the debt to someone else at any time then liquidity is good, but if you don't really have that option (as most lenders don't) then your investment amount (whatever isn't paid back yet) is completely illiquid still, just for a shorter time. I don't see how the term is important myself, there are many investments that have differing maturity time scales, and you just have to pick one that has a suitable time scale, return and risk for you. 1% charge or not, there is still an ultimate net return on investment, secondary market or not. Virtually any investment has costs of some sort, you just have to take them into account and make sure you don't get fooled into thinking the ROI is better than it seems because of the way they've packaged and presented it.


Godrej Nest Floor Plans completely define the large residences at Sector 150 Noida. It ranges from 1250 to 3050 Sq.ft including 2BHK,3BHK,3.5BHK & 4.5BHK within normal and iconic towers. It is the most promising apartments coming near to Noida - Greater Noida Expressway. http://www.smcrealty.com/godrej-nest-150-noida/floor-plans.php


"The ""Actual Applied Rate"" of 7.5% is the total amount of interest charged over the life of the loan, $2,204.82, divided by the loan amount divided by three years. This amount is lower than the actual interest rate of 13.69% because interest charges are based on loan principle which reduces over the life of the loan."


Right in the article he argues that his business experience (where he was involved in outsourcing) means that he understands the reasons why businesses outsource and this makes him well qualified to devise policy that will entice employers to bring those jobs back to the US.  Like him or not, that's a fair argument.


I feel like if you go to a non-target school that gets no love then it's a good way to show that you learned finance and you're just as good as the other folks. Whether its worth the time it takes to study, that's for you to decide. Although I've heard if you have an undergrad degree in finance the level 1 is not ridiculously hard.


If you are interested in this stuff, S&P produce a sovereign rating methodolgy, in which they will tell you exactly what factors they look at.  Once you read this, you can obtain their latest rating report on India and Spain to understand how they applied said methodology in each case. (Not sure if this is free)


"Trust me, so am I.  We really had *feared* the scenario you painted -- everyone in the HOA has been very pleased that it didn't happen that way.  My point isn't that you are wrong (I think in some markets what you are talking about undoubtedly IS happening) -- rather that it isn't necessarily happening that way everywhere.  Indeed, some of the people who have bought in our area were people who seem to have a more ""frugal"", solid, long-term mindset, and who had rented throughout the bubble years, often despairing of ever being able to afford a home (but being unwilling to pay the high prices/go deep into debt w/o any equity at all, so they simply endured it and saved {and saved}, hoping to someday... and their patience has been rewarded, some have been able to use what they thought would merely be a modest ""down payment"" to nearly buy the houses outright, taking on minimal debt and then using that to refurbish the homes)."


> That junky site constantly has completely outrageous headlines upvoted to the top over an over again, only to read the article and find out they have sensationalized and essentially re-written content from other sites.  That's internet journalism for you.  There are gobs of sites like this - alternet, theyoungturks, washingtonsblog, counterpunch, prison planet, the whole gawker network, and so so many more.    But tossing them would be tossing based on crappy content, rather than spamming.  Just downvote them & move on.  Really a shame though, when great sites like theatlantic get banned for engaging in shady promotion.