"I'm familiar with and have traded U.S.-listed LEAPS and I've always used the CBOE quotes page you linked to.  So, I too was surprised I couldn't find 3M (MMM) LEAPS quotes at that page, even after checking the ""List all options, LEAPS, Credit Options & Weeklys if avail."" radio button.  Used to work! Fortunately, I was able to get access to the full chain of option quotes from the CBOE's other quotes page:  Go to the ""Quotes & Data"" menu, then select Delayed Quotes - NEW!  Here's how: I think the new interface is terrible: it's too many steps to get to the information desired.  I preferred the all-in-one table of the Delayed Quotes Classic page, the one you linked to. As to why that classic page isn't yielding the full chain, I can only suggest it is a recently introduced bug (software defect).  I certainly was able to get LEAPS quotes from that page before. On Yahoo! Finance option quotes: I don't know why their chain is incomplete – I can't see the logic, for instance, as to why MMM Jan 2012 60 calls are missing.  I thought at first it may be lack of volume or open interest, but nope.  Anyway, I don't trust Yahoo! to provide accurate, reliable quotes anyway, having seen too many errors and missing data in particular in the feed of Canadian stocks, which I also trade. I rely on the exchange's quotes, and my broker's real-time quotes.  I check Yahoo! only for convenience sake, and when it actually matters I go to the other more reliable sources. For what it's worth, though, you can also get full chain option quotes at NASDAQ.  See here for the 3M (MMM) example then click on the ""Jan 12"" link near the top.  However, I would consider CBOE's quotes more definitive, since they are the options exchange."


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It seems ideal to have the employment be all about both income and ethics, but the problem is that for most people in the industry more often at one point or another they will have to choose between their income or their ethics.   Ethics should always hold supremacy over personal gain. Because ethics maintain the relationships (formal and informal) between entities involved in the markets. Without those long term relationships, there is no room for trust and therefore no reason to be willingness for entities to exchange with one another **fairly**.  If you don't have a overall fair financial markets, on the long term it will hurt the overall economy, why? Because people will have no trust in buying equity prices, there will be no trust in prospects.  People will save most of their money in cash and outright avoid anything or everything about investing.  If there are less clients, there is less capital for the entire industry.  The trust of the aggregate non-active investing clients with the capital range between 100k-500 million matters. And to make it common knowledge to hold personal gain above them is not a good way to have them keep their money in the markets.


> Does it make sense to calculate the IRR based on the outstanding value of the project, or just use the cash flows paid out?  What is the outstanding value of the project based on? I'm guessing it is the PV of net cash flow?  The timing of each cash outflow (i.e. investment) is crucial to calculating a proper IRR because of time value of money. Putting in $x each year for 49 years will give you a different figure from putting in $49x in the first year and zero for the next 48 years because a larger figure is tied up for a longer time period.


Another thing to factor in are deals provided by banks. In general, banks care about new customers more than their existing customers. Hence they explicitly restrict the best deals on credit cards, savings accounts, etc, to new customers only. (Of course, there are occasionally good deals for existing customers, and some banks choose not to discriminate.) If you have many different bank accounts, you are making yourself unavailable for switching bonuses and introductory rates.


Nobody infringed on this freedom to think this way.  Should he be able to call his manager a fucking asshole in front of his entire group - even if the manager is a fucking asshole?    What are you advocating for here, exactly?


You can also increase soil quality and yields by using no tillage farming. If you are worries about things like reducing nitrogen fert quantities.  However, the majority still prefer the plough (/plow).   Changing (crop) farmers has two massive hurdles. You have to prove that it is consistently better than what the farmer is currently using, then you have to convince the farmer that it is consistently better on *his* farm.


I think what he is trying to say is that, if we fix our economic mindset of trickle down economics and shift the wealth so it is more middle class focused, America will be able to have more paying customers with greater disposable incomes. Thus allowing businesses to have a more constant and heavier flow of revenue which would in turn allow the businesses to expand in employees, facilities, R&D, etc.


They won't do it as things can and often do change daily at every Costco location.  They sale out of X and move Y there.  They get S so they move X.  I don't think people realize Costco is literally a warehouse and is run and operated as such.


Another possibly more flexible option is Yahoo finance here is an example for the dow.. http://finance.yahoo.com/q/hp?s=%5EDJI&a=9&b=1&c=1928&d=3&e=10&f=2012&g=d&z=66&y=0 Some of the individual stocks you can dl directly to a spreadsheet (not sure why this isn't offer for indexs but copy and paste should work). http://finance.yahoo.com/q/hp?s=ACTC.OB+Historical+Prices


Disclaimer - I am 51. Not sure how that happened, because I remember being in my late teens like it was yesterday.  I've learned that picking individual stocks is tough. Very tough. For every Apple, there are dozens that go sideways for years or go under.  You don't mention how much you have to invest, but I suggest (A) if you have any income at all, open a Roth IRA. You are probably in the zero or 10% bracket, and now is the time to do this. Then, invest in ETFs or Index Mutual Funds. If one can get S&P minus .05% over their investing life, they will beat most investors.


"How do financial derivatives like futures help in price discovery? From what I understand, the prices of futures are decided after the parties ""discover"" the price they think is appropriate for the underlying asset after some time. Wouldn't taking a future's price and then valuating an asset like a cart in front of a horse or the tail wagging the dog? Please link all that you want to and correct me everywhere."


"http://www.hmrc.gov.uk/customs/tax-and-duty.htm#3 explains the Import VAT situation quite well.  As for who enforces and collects it, if you're talking about buying online and having it shipped to you then you'll notice on the parcel a Customs sticker declaring the contents and value. It is the responsibility of the courier company to collect any duty due from you and pass it on to HMRC.  In practice what this means is that you receive a card or note from the courier saying ""we're impounding your package until you pay the import duty"" and they usually charge a fee on top of the duty itself.  Of course you can always go out there yourself and bring something back, but then it is your responsibility to declare it at the customs checkpoint when you enter the country."


Shareholders can [often] vote for management to pay dividends Shareholders are sticking around if they feel the company will be more valuable in the future, and if the company is a target for being bought out. Greater fool theory


Skewed in what way? Present a reason why somebody would falsely report information. If you're saying its skewed lower, then you're saying people with low salaries don't tell the university their truthful salary or don't report. Why would someone do that? Wouldn't they feel indignant that their education wasn't getting them enough money and would want to demonstrate that to the school?


No, not necessarily.  A liveable wage is here defined as a wage which grants access to the basic necessities of life: food, water, a decent home, basic health care, either rent for a place close enough to your place of employment or enough money to afford transportation from somewhere cheaper, ETC.


Autism maybe - if they happened to obsess over the right thing and it's not such a hindrance to them that they cannot function. Those are some huge ifs.  And that's just one disability. How about dyslexia or dispraxia as mentioned by the parent comment? How about ADD or asperger's mentioned by the article?   Does spending 10x the amount of time to learn to read and then 10x the amount of effort to actually read really give you an edge? Wouldn't the edge go to a person who read easily and then who spent the same amount of time and effort?


Probably not, but they would have to remove old stock from the state after the one year grace period and they may have to entertain suits against them, which would probably end in settlements. In 2016 alone there was over 30 million [paid out in settlements.](https://oag.ca.gov/sites/all/files/agweb/pdfs/prop65/2016-summary-settlements.pdf?)   I have read there is somewhat of a cottage industry for those who seek out prop 65 violations just for the purpose of suing the manufacturer. Then there is the cost associated with the maintenance of complying with the ever changing regulations.   I'm sure there is more to it but I can see where a company would not want to label there products as cancer causing if it was not necessary. People might also be more hesitant to purchase a product for there household if it's labeled as cancer causing.   Additionally, the US has its own hazard communication standards that require manufacturers to label any IARC know carcinogens as such.   Edit: Plus Monsanto probably thinks it can do what it wants


The company provides the best digital, clothe and other online services. If you want to purchase, then you can visit our company website.The Progress factory or also called digital printing is a technology of the new generation such as digital printing and Power bank. We provide the different type of products offset printing is that digital is preferred in need of short runs.  Its high quality is as good as the fine offset and without problems can print your promotional materials quickly and snugly.


yeah i got that pretty much down.  I also want to be able to advantage of our transportation capacity that we already own and perhaps make an extra buck here and there on border spreads.  Just need to wrap my head around how to go about doing that.  Is there a tool out there that'll help me scrub spreads and do a quick analysis on?


Grand West brings you to the acme of grandeur with its world class amentities and state of the art infrastructure. The High end living space at the heart of West Bangalore, is built keeping your need for a luxury apartment in mind which makes it the abode of convenience, comfort and style.


There are no zips, cords or handles to fiddle with making them a very convenient style. Track-guided alfresco blinds are ideal for the outdoors since the blinds are fitted into the tracks without leaving gaps. These blinds do not rattle in the wind or look untidy.Roman Blinds must be custom designed to fit the desired space. Installation of outdoor blinds is best left to the professionals. Blinds retailers generally visit the site and offer advice on the best outdoor blind suitable for your area. After measuring they provide a quote. Once you approve the design and material your alfresco blinds are made to order and installed professionally.


"Rather than automating it, why not just create a listing that you maintain and display on your site yourself?  That way you don't have to give out credentials or anything else. It also presents a bit of a marketing opportunity.  You could group contributors by the size of their contributions and thank them publicly.  For example, maybe your top contributors could be members of the ""Heroes Club"", and you could come up with jazzy names for other groups.  It's a way of publicly acknowledging their contributions in a way that they appreciate, and perhaps it motivates others to up their own contributions to get into one of the more prominent groupings.  It becomes a competitive ""one-upsmanship"" thing, if that makes sense. I understand your desire to be transparent, and that's admirable, but see the marketing and public relations opportunity it brings to you as well. I hope this helps. Good luck!"


She massively raised wages of a bunch of people in management and wasted a lot of money on acquisitions that she later [shut down](http://gizmodo.com/heres-what-happened-to-all-of-marissa-mayers-yahoo-acqu-1781980352). Her job was to be the turnaround CEO, which she completely failed at. She did lengthen the amount of time it took until they threw in the towel, but in that time frame, she wasted a lot of shareholders' money.


> Net neutrality isn't about them having free connections to the Internet, it's about preventing Internet service providers from using their position of power to choose which traffic to let through.  This is /r/business, so let me be clear:  *It's just business.*  Repeat that.  *It's just business.*  It isn't about people on the right not letting people on the left talk.  It's about using pricing power (yes, gasp) to make a profit.  If that's problematic for you, then /r/business might not be the best place for discussion.  >When Comcast and Verizon have their own video services or products that compete with online entities like  Netflix and Hulu, that neutrality is what stands between them and monopolistic blocking of competition.   Using your competitive advantage to compete is literally the definition of business.  How is this wrong?  Why should Netflix and Hulu be able to free-ride off of a competitors fixed infrastructure?  I feel like I'm taking crazy pills here.


"This is the best tl;dr I could make, [original](http://www.reuters.com/article/us-australia-cba-moneylaundering-idUSKCN1B70XL?il=0) reduced by 78%. (I'm a bot) ***** > SYDNEY - Commonwealth Bank of Australia, the nation&#039;s biggest lender, has been hit with a public inquiry into its governance and culture - the second regulatory probe to be launched this month after it was accused of massive breaches of money-laundering rules.  > CBA was sued this month by financial intelligence agency AUSTRAC which alleges that criminals and terror financiers laundered millions of dollars through CBA accounts - the first lawsuit of it kind against a major Australian bank and exposing CBA to a fine potentially amounting to billions of dollars.  > Last year, CBA admitted to using unscrupulous practices that cheated people out of life insurance payments, and in 2014 Narev publicly apologized after CBA advisors were found to have given customers poor financial advice.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6whxsk/australias_prudential_regulator_launches_inquiry/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~199698 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*: **Bank**^#1 **CBA**^#2 **Commission**^#3 **Royal**^#4 **probe**^#5"


Even if 99% of the $80 billion Food Stamps Program is fraudulent, there are still hundreds of thousands of Americans who are using food stamps to survive. However, it was estimated that the national payment error rate was only 4.36% in 2009 ([U.S. Government Accountability Office, 2009](http://www.gao.gov/products/GAO-10-956T)) and it was also estimated that an increase in FSP expenditures by $5 billion in 2002 resulted in an increase in total economic activity of $9.2 billion ([USDA, 2002](http://webarchives.cdlib.org/sw1s17tt5t/http://ers.usda.gov/Publications/FANRR26/)). As it turns out, having less of your population starving to death increases economic output. In other news, recessions make people poorer.


Betty Godwin Mackie is one of the talented designers having extensive experience working with various renowned contractors. As a general contractor, she performed her duties very efficiently and has designed many layouts for brand new kitchens, counter-tops, personally chose hardware as well as cabinets.


"A quick online search for ""disadvantages of defence housing australia investment properties"" turns up a several articles that list a few possible disadvantages. I can't vouch for these personally because I'm not familiar with the Australian rental market, but they may all be things to keep in mind. I quote verbatim where indicated."


Rising rates is going to counteract the asset bubble and Draghi & the rest of the ECB are well aware of this. Now that Spain & Italy got their shit together they're going to go full steam ahead.   Also Germany specifically is in trouble given its large companies such as BASF and others are threatened as companies on countries globally are consolidating and a focus by domestic experts on the trade deficit the U.S. holds with Germany.   The European economy will be fine. Certain European assets too, but do not be too sure on the DAX.


This was my thought, and it echoes something I've heard from former managers.  You take the time to make a process or a segment of a process run very smoothly and efficiently, and then they hand that off to a junior manager and shift you to another process to do the same thing over again, because you're a good manager and you can handle it  Rinse and repeat


"You quite literally just answered why I never understood my own god damn currency says ""I promise to pay the bearer...""  What I don't get however, is that how wealth comes out of thin air.... why each continent cannot be eternally rich... We're all (at the very basic level) taking things from the ground and providing a service to someone. But if the whole world were to become bankers (only providing a service to which some people would emply never actually existed), we obviously can't all make money from it. So how does money ""come out of thin air"" so speak?"


Word from a designer I know: many garments produced by American Apparel at the end of Mr. Charney's reign were overpriced; poorly sewn (often with un-hemmed un-finished edges); sometimes little more than a piece of stretch fabric fashioned into a tube or a large rectangle; inconsistently sized and fit to the customer.  Also: the advertisements and commercials featured hyper-sexualized, semi-nude models who were often regular employees.  It seemed to be an innovative way to run such a business but doing that sort of thing in LA is quite possibly the wrong model nowadays.  A year or two back, the LA Times ran a story about some LA clothing manufacturers leaving the city and relocating to El Paso, TX: http://www.latimes.com/business/la-me-korean-jobber-market-20150902-story.html


Approximately 5.3 billion ounces have been mined. This puts the total value of all gold in the world at about $9.5 trillion, based on $1800/oz. Total world net worth was $125T in 2006. There's an odd thing that happens when one asset's value is suddenly such a large percent of all assets. (This reminds me of how and why the tech bubble burst. Cisco and EMC would have been worth more than all other stocks combined if they grew in the 00's like they did in the 90's.) Production (in 2005/6) ran about 80 million oz/yr. Just over 1.5% impact to total supply, so you are right in that observation.  On the other hand, the limited amount out here, means that if everyone decided to put their wealth in gold, it would be done by driving the price to bubblicious levels.  One can study this all day, and parse out how much is in investment form (as compared to jewelry, etc) and realize that a few trillion dollars in value pales in comparison to the wealth of the US alone, let alone the world. Half the world can't buy two oz if they tried.  Of course there's pressure to reopen mines that had costs pushing $800/oz. Understand that the supply of $300 gold is long gone. As the easy gold has been mined, and cost goes up, there's a point where mines close. But as the price of gold trades at these levels, the mines that couldn't produce at $600 are now opening.


Many governments, the US and China including, seem positive about crypto and like they don't want to hinder it's innovation by regulating improperly or too soon. They've seemed to tolerate it's Wild West lawlessness longer than you'd expect to wait out and see what regulation would be reasonable and effective. In some ways it may seem like they've just not know what the heck to do to regulate it, so they just waited to see.


At every level in society, we have to limit our tolerance to the intolerant. The Paradox of tolerance, as theorized by Karl Popper in 1945, states that if a society is tolerant without limit, their ability to be tolerant will eventually be seized or destroyed by the intolerant.


I would suggest at least getting a personal card that you only use for business expenses, even if you don't opt for a business card.  It makes it very clear that expenses on that card are business expenses, and is just more professional.  The same goes for a checking account, if you have one of those.  It makes it easier to defend if you are ever audited, and if you use an accountant or tax preparer.


You're winning. A sample size of one does not prove his argument.  I think if you're balancing a relatively expensive English degree with a relatively inexpensive one, then he's right. If you're speaking of anything that is more specialized in math, science, or business, a larger school with a larger price tag has been shown to be a better decision.


"First of all, whatever you do, DON'T PAY!  Credit reporting agencies operate on aged records, and paying it now will most certainly not improve your score.  For example, let's say that you had an unpaid debt that was reported as a ""charge-off"" to the credit bureaus.  After, say, six months, the negative effect on your score is reduced.  It is reduced even further after a year or two, and after two years, the negative effect on your score is negligible. Now, say you were to pay the debt after the two years.  This would ""refresh"" the record, and show as a ""paid charge-off"".  Sure, now it shows as paid, but it also shows the date of the record as being today, which increases the effect on your credit drastically.  In other words, you would have just shot yourself in the foot, big-time. As others have noted, the best option is to dispute the item.  If, for some reason, it isn't removed, you are allowed to submit an annotation to the item, explaining your side of the story.  Anyone pulling your credit record would see this note, which can help you in some instances.  In any case, these scam artists don't deserve your money. Finally, you should check who is the local ombusdman, and report this agent to them.  She could lose her license for such a practice."


"Remember that risk should correlate with returns, in an investment. This means that the more risk you take on, the more return you should be receiving, in an efficient marketplace. That's why putting your money in a savings account might earn you <1% interest right now, but putting money in the stock market averages ~7% returns over time. You should be very careful not to use the word 'interest' when you mean 'returns'. In your post, you are calling capital gains (the increase in value of owned property) 'interest'. This may be understating in your head the level of risk associated with property ownership. In the case of the bank, they are not in the business of home construction. Rather than take that risk themselves, they would rather finance many projects being done by construction companies that know the business. The bank has a high degree of certainty of getting its money back, because its mortgages are protected by the value of the property.  Part of the benefit of an efficient marketplace is that risk gets 'bought' by individuals who want it. This means that people with a low-risk tolerance (such as banks, people on fixed incomes, seniors, etc.) can avoid risk, and people with a high risk tolerance (stock investors, young people with high income, etc.) can take on that risk for higher average returns. The bank's reasoning should remind you of the risk associated with property ownership: increases in value are not a sure thing. If you do not understand the risk of your investment, you cannot be certain that you are being well compensated for that risk. Note also that most countries place regulations on their banks that limit the amount of their funds that can be placed in 'higher risk' asset classes. Typically, this something along the lines of ""If someone places a deposit with your bank, you can only invest that deposit in a low-risk debt-based asset [ie: you can take money deposited by customer A and use it to finance a mortgage for customer B]"". This is done in an attempt to prevent collapse of the financial sector, if risky investments start failing."


"This is an example from another field, real estate. Suppose you buy a $100,000 house with a 20 percent down payment, or $20,000, and borrow the other $80,000. In this example, your ""equity"" or ""market cap"" is $20,000. But the total value, or ""enterprise value"" of the house, is actually $100,000, counting the $80,000 mortgage.  ""Enterprise value"" is what a buyer would have to pay to own the company or the house ""free and clear,"" counting the debt."


>The three-page report the agency ultimately submitted, dated Sept. 5, does just that, using government data to compare the costs of refugees to Americans and making no mention of revenues contributed by refugees.  >“In an average year over the 10-year period, per-capita refugee costs for major H.H.S. programs totaled $3,300,” it says. “Per-person costs for the U.S. population were lower, at $2,500, reflecting a greater participation of refugees in H.H.S. programs, especially during their first four years” in the United States.   I suspect the rejected the revenue estimates because the higher per cap cost of the population raises suspension.


I have had my card blocked at home only rarely. One occasion comes to mind - I had bought something fairly large online late at night. No sooner had I clicked Purchase than my phone rang - the bank was asking had I actually just spent [$amount] at [$online store]? I said yes and that was that. A little later I made another purchase late at night on a different card. It went through, but when I tried to use the card the next day for something small in a store, it was declined. Embarrassed, I used a different card then called the bank. They said they had put the card on hold because of the online purchase for a large amount, even though they had let the purchase go through. They hadn't called me because it was late at night, and they hadn't given themselves any reasonable mechanisms to compensate for that (like calling me the next morning, emailing me, or the like) they'd just blocked the card. We had what you might call a frank and open exchange of views on the matter.  Not all banks use the same strategies or software. I suggest: Far and away the simplest thing is just to have more than one card so that these declines are a momentary hiccup you might forget by the time you and your Rolex are out of the store.


Save up about $300 and go to the bank and apply for a secured card.  Buy items with card and immediately pay them off.  Do this for about a year and then apply for your card to become an unsecured card.  Or go to a department store and apply for one of their cards.


Health foods, books, coffee shop...am I supposed to hang out, stop in for five minutes or what? A grocery store and this are not comparable. The prices would be much higher at this place. So what are customers paying a premium for if it’s several different experiences in an area without a lot of demand?


Imagine a $1,000 face value bond paying 10% interest semi-annually. That means every 6 months there is $50 being paid. Now, if the price of that bond doubled to $2,000, what is the yield? It is still paying $50 every 6 months but now sports a 5% yield as the price went up a great deal. Similarly, if the price of the bond was cut in half to $500, now it is yielding 20% because it is still paying out the $50 every 6 months. The dollar figure is fixed. What percentage of the price it is can vary and that is why there is the inverse relationship between prices and yields. Note that the length of the bond isn't mentioned here where while usually longer bonds will have higher yields, there can be inverted yield curves as well as calls on some bonds. Also, inflation-indexed and convertible bonds could have different calculations used as principal adjustments or possible conversion to stock can change a perception on the overall return.


There's no doubt that equities, as well as junk bonds (which have, in Europe, according to BAML, reached the same average return as 10-year-US treasuries) are currently overvalued, which is why I, and I suggest this to any active investor, have taken out all my money from tradable equities and debt and invested it into undervalued dank memes.


The money from the employer is counted as income for you, and should be included in the numbers on your W-2.  You also have tuition you paid. That is an educational expense. That would generally be a tax credit if you qualify for those educational tax credits. If the money from the employer was counted as income you can use also claim tuition expenses. If the money wasn't included as income you then can't claim the tuition as an educational expense. My experience has been that expenses such as books have not been covered, but could be paid for with the money from a 529. Money to cover mandatory fees: such as lab fees and a fee that all students must pay can be counted as tuition expenses. Regarding customized books, those are much harder to prove. If you were to count that particular book as a tuition expenses, and were audited, you would have to show them the book to prove it. Most books aren't mandatory. Also if you do want to claim the books as an expense, remember to account for the money that is returned if any are sold back to the bookstore at the end of the term.


>The EU focus on fiscal deficit is completely mistaken. They are the result of the crisis, not the cause.  The fiscal deficit was *increased* by the crisis, but there would not have been a crisis at all if nobody had been running up debts either.  It's possible to shift private deficits to public (as happens if people borrow more money than they are taking in, default on loans, cause a bank to run out of money, and the government decides to transfer the bank's losses to its taxpaying public).  However, it's still ultimately driven by running a deficit until an unsustainable amount of debt is public, via one mechanism or other.


Interest rate swaps are used to transfer risk from one party to another. They can be used to transfer many types of risk but most common are interest rate risk and exchange rate risk  There are a few key concepts that I have noticed most people have trouble with which Are below:  1) The Notional amount: this is the amount that the two legs (the floating and fixed) will be based on. If you think about each leg as a loan the notional amount would be the principal, however in a swap this amount never changes hands. Rather it is just an amount used to calculate what the dollar amount exchanged should be.   2) The floating and fixed legs are the interest rates that will be exchanged. The fixed leg will always pay out the same amount no matter the changes in the market while the floating rate will change periodically depending on market conditions. As a side note it is often agreed that only the difference in the two rates will be paid rather then sending the money back and forth.   3) And finally it is important to note that at the inception of the swap the notional value will always be 0. Many people miss this but when you think about it no company would want to sign a deal the from inception puts them in a loosing position.   I hope that helped without a more specific question all I can do is list random facts about swaps and hope they are useful to you.


Grade 'Eh' Bacon answers it well, the issue is risk. To explain further, when a bank issues a loan, that loan comes with certain legal rights. If the bank decided to partner with a construction company, many of those rights to collect would be gone. Debt is treated differently than equity in the legal system. Banks are good at debt, investors are good at equity.  We also oversimplify it by asking why banks don't prefer equity to debt. Some investment banks also like to deal in equity, so it's probably an inaccurate assumption that you start with.


All States have property tax, all States except 4 have sales tax, and business tax is federal but there are local costs of doing business such as various state required insurances and license and payroll taxes and unemployment insurance for the state etc.    What I was talking about is personal income tax there are 2 kinds federal that everyone pays then all the states except those I listed take another 4 or 5% give or take which stays in the state instead of being sent off to the feeding government.   From a business perspective if the going rate for paying your employees based on their role was say 100k annually. The employees take home pay would be taxed 5k in a state with income tax. That would mean Amazon would need to offer 5k more pay for an equal job vs an employer in another state. This is just one factor a company this huge would consider when moving.


While open interest usually correlates to volume, the mark of liquidity is the bid ask spread. Even when trading options with spreads as large as an ask 2x the bid, a more realistic price that traders are willing to accept lies somewhere in the middle. Any option can easily be exited at intrinsic value: underlying price - exercise price for calls, exercise price - underlying price for puts.  For illiquid options, this will be the best price obtained.  For longer term options, something closer to the theoretical price is still possible. If an underlying is extremely liquid, yet the options aren't quite then options traders will be much more ready to trade at the theoretical price. For exiting illiquid options, small, < 4 contracts, and infrequent, > 30 minute intervals, orders are more likely to be filled closer to the theoretical price; however, if one's sells are the only trades, traders on the other side will take note and accept ever lowering implied volatilities. With knowledge of what traders will accept, it is always more optimal to trade out of options rather than exercise because of the added costs and uncertainty involved with exercising and liquidating.


That expense ratio on the bank fund is criminally high. Use the Vanguard one, they have really low expenses.


The market is not stupid. It realises that a company is worth less after paying out dividends than before paying them. (It's obvious, since that company has just given out part of its earnings.) So after a company pays out dividends, its stock price normally drops approximately by the amount paid. Therefore if you buy, get the dividend, and immediately sell, under normal conditions you won't make any profit.


You're 100% correct here. This is without a doubt on me. But it's still absurd do to me making a mistake about one large transaction bringing my balance negative, every small transaction past it is getting hit with a $35 dollar charge. Multiple transactions that a few dollars become an almost $50 dollar purchase a pop. They're making a killing off of people trying to make a living.


I see several interesting statement in your question.  A. my only income is from my Employer B. I also receive employer stock (ESPP, RSU, NSO). However, employer withholds taxes for these stock transactions through my broker (I see them broken down on my W2).  C. I have been subject to Alternative Minimum Tax. A implies a simple tax return. B and C tell the opposite story. In fact if B is not done correctly The amount withheld due to payroll may be perfect but the under withholding could be due to the ESPP's, RSUs and NSOs.  The AMT can throw everything else out the window.  If a person has a very simple tax situation: Income doesn't change a lot from paycheck to paycheck; they take the standard deduction; the number of exemptions equals the number of people in the family. Then the withholding is very close to perfect.  The role of the exemptions on the W-4 is to compensate for situations that go above the standard deduction. The role of extra withholding is when the situation requires more withholding due to situations that will bring in extra income or if the AMT is involved.


I use an offset mortgage. (No interest is paid, but the amount in the savings account is subtracted from the outstanding mortgage amount before interest is calculated, so the mortgage is paid off faster by the interest amount saved). The money is instantly accessible and there is no tax as the benefit is reduced/saved interest. However, the mortgage rate is slightly higher, so it works best if your emergency funds are a reasonably large proportion of the mortgage amount outstanding.


"You're a partnership. You should ask the money to be paid to the partnership. You'll have to fill partnership income tax return (form 1065) and each of you will get a K-1 schedule with your own personal portion of the income. For example, you're Adam, Ben and Clara. You work together on a project and are being paid. You get a check for $300 issued to ""Adam, Ben and Clara, DBA ABC Partnership"". You don't have to have a DBA, it just makes it easier to show you as a single entity. You then deposit the check to an account you set up for your partnership, and from that account you transfer $100 to each of you. Year end, you file form 1065, showing $300 income, and attach K-1 for each of the partners showing $100 income. That $100 income will flow to your individual tax returns. The overhead here is setting up a partnership account, potentially making a DBA, and filing the extra tax return. That's the proper way to do it, especially if it is something you're going to do regularly. For a one-time thing, one of you can get paid, report it as income on his/her Schedule C, and issue 1099 to the rest of you for your parts, and deduct the amount as his/her expense. Here, the overhead is Schedule C for each of you (instead of Schedule E if handling it as a partnership), extra 1099 forms (instead of 1065 and K-1s), and a risk of one partner defrauding the others (depends on how much you trust each other). With proper documentation, each of these is equally legal, and tax-wise the costs are the same (i.e.: either way you pay the same taxes). With partnership the overhead is a bit more expensive (DBA+1065 extra cost), but in the long term it will make your life easier if you do this kind of thing regularly. You may want to consider setting up your partnership as a LLC/LLP (depending on what your State allows), but that would require State paperwork and potentially more fees."


Each ATM, the machine, belongs to one or more networks. Those networks work with multiple types of cards. Each card belongs to one or more networks. The overlap of the networks the machine belongs to, and the card belongs to determines if the card works and what fees and limits apply. In general if the credit card belongs to one of the major networks (VISA, Master Card, American Express and Discover) you shouldn't have a problem finding a ATM that will give you a cash advance, or even a cash advance without an ATM Fee. Each credit card network should have a web interface to show you where the ATMs are that will work with the card. If it is a store credit card it still might belong to one of the major networks.  If the bank that issues the card is local you can probably get a cash advance at the bank branch. Use the website to see if the ATM/Branch  locations are convenient for you. The actual limits are a function of the card type, and the credit limit that you have been approved for. In my experience the maximum amount of cash advance outstanding is half the credit limit, but you need to check with your card.  Keep in mind unless you have a special offer from the credit card company expect that there will be a fee charged by the credit card company for the cash advance, this is in addition to a fee charged by the ATM.  Also remember that interest starts to accumulate on day one of the cash advance. It isn't  like a regular purchase that might not be charged interest until the cycle closes and the payment is due.  The documentation from the credit card company will describe all the fees and limits.


In addition to the excellent answers here I might suggest a reason for investing in leveraged funds and the original purpose for their existence.  Lets say you run a mutual fund that is supposed to track the performance of the S&P 500.   If you have cash inflows and outflows from your fund due to people investing and selling shares of your fund you may have periods where not all funds are invested appropriately because some of the funds are in cash.  Lets say 98% of your funds are invested in the securities that reflect the stocks in the S&P 500.  You will will miss matching the S&P 500 because you have 2% not invested in some money market account.   If you take 1/3 of the cash balance and invest in a triple leveraged fund or take 1/2 of the funds and invest in a double leveraged fund you will more accurately track the index to which your fund is supposed to track.  I am not sure what percentage mutual fund owners keep in cash but this is one use that I know these ETFs are used for. The difference over time that compounding effects have on leveraged funds is called Beta Slippage. There are many fine articles explaining it at you can find one located at this link.


"I think often times the personality traits that make founders so successful are the same traits that keep them from giving up control. By the time you've made it to the top of the mountain you've proven everyone who ever said ""do this"" wrong. So people saying ""step aside"" isn't going to do anything but convince you that you can prove them wrong again.   It's easy to say ""put your ego to the side"" but when your stubbornness and smarts helped get you where you are, it's not easy to look inside yourself and say ""I'm not the best guy for this."""


However when you adjust for productivity, the new yorker is also a few hundread times more productive.  We try and try to help the poorest few, but in the end these are the same people that sabotage infrastructure improvments and who hold their girls from bring educated becsuse some book tells them feudal way of life is more godly.


Many of the above comments are correct about illiquidity.  If someone needs to trade at a time of low liquidity, for instance when the markets are closed, the bid/ask spread can often be large to induce someone to trade at odd times.  Especially as the broker/bank on the other side of the trade can't immediately go to the market to close out the risk as they often prefer to do. In this case the jump is actually is large but not that large (~4%).  Note this trade price is near the close price on the day before. The system I use shows a trade that evening for 5 shares near the price on the graph.  If you called me after I was done with work and tried to buy 5 shares I'd quote you a bad price too.


"That amount of shares is too low to create ""ripples"" in the market. Usually you don't specify the price to sell the stock, unless you are personally on the floor trading the securities. And even then, with a volume of $50,000 it would just mean you threw away $45,000. For most people it would mean setting a $5 sell order, and the broker would understand that as ""sell this security so long the price is above $5"". When you get to the trading volume required to influence the price, usually you are also bound by some regulations banning some moves. One of them is the Pump and Dump, and even if you are suggesting the opposite, it might be in preparation of this scam. Also, the software used for High Frequency Trading (what all the cool kids[a] in Wall Street are using these days) employ advanced (and proprietary) heuristics to analyze the market and make thousands of trades in a short interval of time. On HTF's speed: Decisions happen in milliseconds, and this could result in big market moves without reason.  So a human trader attempting to manipulate the market versus these HTF setups, would be like a kid in a tricile attempting to outrun the Flash (DC comics). [a] Cool Kid: not really kids, more like suited up sharks. Money-eating sharks."


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This will be difficult to achieve.  It can be done, but it's very rare to have an agreement where your employer is willing to max out your contribution limit unless you are a partner in the business or a family relation. In this situation the extra employer money would probably come from a profit sharing contribution. If your employer increases your match, others are correct that your employer would have to increase the match for everyone. Not so with a profit sharing contribution. This is assuming 2 things though: Both of those are BIG if's, and I'd say 99% of the time it's not gonna happen for either of those two reasons. Your chances are better if you don't own >5% of the company, don't make over $120,000/year, and are related to you employer. Good luck!


I didn't say only the IPO I just said public offerings. Trades between secondary investors would be taxed at a higher level. I also understand the difference between loaning money to a company and investing in equity.  Personally I think that loans are underused in today's investment world because people are too focused on getting the most out of the few big winners.


Are the $18,000 401k 2017 limit and the $5,500 IRA limit mutually exclusive for a combined limit of $23,500 (under 49)? Yes, but the amount that you can deduct from a traditional IRA depends on your gross income and marital status - See publication 590-A for details.  Also note that the limit applies to your combined traditional and Roth IRA contributions (meaning you can't contribute $5,500 to both; just a total of $5,500 between the two). I'm also assuming employee match $ count towards these limits - is this correct No - the limit for combined contributions between you and your employer is $54,000 in 2017.  So if you contribute $18,000 your employer can only contribute $36,000.


To be on the safe side - you'll want to get the full invoice. You don't need to actually print them, you can save it as a PDF and make sure to make your own backups once in a while. Only actually print them when the IRS asks you to kill some trees and send them a paper response, and even then you can talk to the agent in charge and check if you can email the digital file instead. The IRS won't ask for this when you file your taxes, they will only ask for this if you're under audit and they will want to actually validate the numbers on your return. You'll know when you're under audit, and who is the auditor (the agent in charge of your case). You'll also want to have some representation when that happens.


">so I would like to ask you which, at this project, poor management skill of Oracle staffs or plan of Oregon are worse to be accused.  **I believe there is an increased burden on the employer (Oregon) to effectively manage the scope of the work required for the project that the contractor (Oracle) is working on**.  Otherwise, the contractor has plausible deniability for being able to provide deliver a quality working solution.  >Or do you think that plan was made mainly by Oracle?  I think the plan was **mostly made by Oracle with the requirements given by Oregon**, and that's where things seem messy.  My gut tells me though that when an employer hires a contractor for the creation of a fully integrated enterprise system, that the employer essentially signs their financial life away to the project in a way that absolves the contractor of indirect or direct ""damages"" that come from the result of unforeseen implementation requirements or issues.  Oracle has been around long enough to know how to legally cover their asses.  If there is anything that Oregon may have traction on, it would be a few of their fraud claims, given that Oracle has made [two settlements](http://en.wikipedia.org/wiki/Oracle_corporation#Justice_Department_lawsuit) with federal agencies of ~$100 & ~$200 million since 2011 which were from allegations of fraud or false claims.  Such claims by Oregon may be supported by the fact that they allegedly have a former Oracle employee who can substantiate the poor quality of the product they were giving to Oregon, but that blame might go back to Oregon's specifications which I have no insight into.  As someone who has witnessed a couple of employer and contractor relationships between public & private entities, my hope out of all of this is that:  * Sales people for contractors think twice before over-promising technology solutions that their company can't fully deliver on given resource constraints or lack of employer specifications.  * Employers ""hiring"" such entities manage them, expectations, plus the overall project effectively while accepting personal accountability & responsibility.  I think the only people who have a clear picture of what was going on were anyone from either party who were on the front lines of managing the project, developing the systems, or running them."


"I wasn't linking her performance to her gender, I don't think any of these CEO's are failing because they have a menstrual cycle, they are just making poor decisions.  It is impossible to ignore gender when we are constantly hearing about the ""Tech Gap"" and the puff stories about being a female CEO in a male dominated industry. It is entirely relevant."


"It's really not your fault for not negotiating a better salaray.  It's your fault for *having a problem* and not taking care of it.  You felt undervalued and unappreciated, and because of that you left your job.  Do you think your employers *would have liked to know that???*    How do you think that conversation would have gone?   ""Well boss, I've been working for you for a while now, and I've stuck it out while you looked for more people, and frankly I feel insulted at the difference between what you're paying them and what you're paying me.  It's really getting to me, and I'm considering looking for a different position.""  I can tell you how that would have gone.  There are *only* three ways:    The first is that the new guy is being paid for a skill or talent you don't know about that actually does make him more valuable than you.  (You can respond then: how do I get those skills so I can get that kind of pay, too?)    The second is that the person was hired at whatever the asking rate was because they were desperate for people, and they certainly don't want to loose you, so they'll work with you to bring your compensation in line with the going rate.  The third is that they have been having problems with you, you seem poorly motivated, your work is suffering and you don't get along with anyone, so they're not interested paying any more for your services and you're welcome to look for a better deal.    Come on man, the WORST outcome leaves you no worse off than what you did to yourself!  The best outcome could have been worth 15K/yr!  And it would have given your employer the chance to do right by you.  Even if you ultimately decided to take a different position, you would have known where you stood, and almost certainly you would have left with a better taste in your mouth.  Your problem is that you failed to let anyone know about your problem.  Or worse, you bitched and moaned to everyone except the people who could have done something to help."


What a stupid article. Does he think time stands still if Uber grows? Nobody will ever be able to offer rides at a reasonable cost?   Does he think that money will keep pouring into Uber forever, allowing them to do what? Lose money on a service?


There may well come a 'tipping point' where suddenly personal bankruptcy becomes socially acceptable simply because there are so many people underwater and so many people - previously 'good' people - have defaulted. As you say, I can see a (retroactive if necessary) law preventing people from being freed of debt.


"> don't think Hillary would've delivered the same results (or Bernie,...  First, absolutely not under Bernie. Just his nomination or him being the president would kill the economy.  As for Hillary, I did not vote for her, neither most American, not because she would do bad with the economy (but Trump would do better than her, for sure.)  Just one example about Hillary: she cheated on debate questions that she got from fake-news CNN. If my son cheated on a test like that, he would be expelled from school. No other would-be president did such a s thing or even consider to do such a thing.  Meanwhile, Trump, not even a politician, handled the debate questions very very well.  So you want me to vote for Hillary who has zero morals, zero accomplishments in the past (she's just a ""wife of...""), mishandle top secret e-mail(s), rigging DNC elections against Bernie, etc?  FYI, I am a democrat and I voted for Obama twice, Al Gore (idiot!) and Kerry (bigger idiot).  I prefer to vote for a democrat, but not when the DNC and the Candidate is corrupt to the core, evil, killers, cheaters, etc.  And you also believe anything from CNN after they cheat with Hillary on debate questions?  So you wrote, and I wrote back:  >>>How can it be fake news when we're looking at government generated economic data?  >> Because government economic data shows the economy improved under Trump!  > So yes, it's doing better than a year ago.  You see? First you claim, based on fake news, that economy under Trump is not doing good, and then, quickly, the story changes."


"Since you have no sales, I'd likely question how well could you determine the value of the company's assets in a reasonable fashion. You may be better to estimate sales and discount that back to a current valuation. For example, insurance companies could determine that if you wanted to be paid $x/month for the rest of your life, the present day value of that is $y. There are similar mechanisms for businesses but this does get tricky as the estimates have to be somewhat conservative and you have to be prepared for some other scenarios. For example, if you got the $200,000 then would you really never have to ask for more external equity financing in the future or is it quite likely that you'd want another infusion down the road? While you can mark it at $1,000,000 there will be questions about why that value that you'd have to answer and saying, ""Cause I like big round numbers,"" may not go over well. My suggestion is to consider what kind of sales will the company have over the next 5 years that you could work back to determine a current price. If you believe the company can have $5,000,000 in sales over the 5 years then it may make sense to place the current valuation of $1,000,000 on it. I wouldn't look too much into the money and time you've invested as that isn't likely to go over well with investors that just because you've put in what is worth $x, the business may or may not be worth that. The challenge is that without sales, it is quite difficult to get an idea of what is the company worth. If it makes billions, then it is worth a lot more than a company that never turns a profit. Another way to consider this is the question of what kind of economic output do you think you could do working here for the next 5 years? Could you do thousands of dollars of work, millions of dollars or just a few bucks? Consider how you want this to be seen where if you want some help look up episodes of TV shows like ""Dragon's Den"" or ""Shark Tank"" as these give valuations often as part of the pitch which is what you are doing."


Well sure. That's truer than most people realize.  And it's aall well and good if you're not going to inflate asset prices to keep the Ponzi going.  But if you're going to play the asset price inflation game with ever larger debt bubbles, then those two dynamics are going to conflict with each other.


"I'm sure the domain was the primary reason they started the conversation to begin with. Facebook was trying to trademark the word Face a while back. Maybe this a a coup in order to be able to say they should own it...however, face.com is a much better domain, but a branding nightmare. Sure you have 500,000,000+ users calling you Facebook...just change it.  Cue Justin Timberlake ""Drop the Book...just Face"""


"Do some homework to determine what is really a fair price for the house.  Zillow helps.  County tax records help, including last sale price and mortgage, if any (yes, it's public).  Start at the low end of fair. Don't rely on the Realtor.  He gets paid only if a sale occurs, and he's already coaxing you closer to a paycheck.  He might be right with the numbers, though, so check for yourself. When you get within a thousand or two of acceptance, ""shut up"".  I don't mean that in a rude way.  A negotiating class I took taught me how effective silence can be, at the right time.  The other side knows you're close and the highest you've offered.  If they would be willing to find a way to come down to that, this is the time.  The awkward silence is surprisingly effective."


The Misanthropic Bitch called, she wants her act back. Your post history, sadly, speaks volumes for your willful ignorance and rather disheartening desire to try and feel better about what is likely a miserable life by attempting to insult others.  Perhaps in a few years you'll actually get good at it. For now, you're in the kiddie end of the pool if you're trying to aim that shit at me, I had a masters in it when you were in diapers.  Still funny to watch, but sadly predictable and obvious to anyone with actual cerebral function. Enjoy your stay! <3


If you have no credit history but you have a job, buying an inexpensive used car should still be doable with only a marginally higher interest rate on the car. This can be offset with a cosigner, but it probably isn't that big of a deal if you purchase a car that you can pay off in under a year. The cost of insurance for a car is affected by your credit score in many locations, so regardless you should also consider selling your other car rather than maintaining and insuring it while it's not your primary mode of transportation. The main thing to consider is that the terms of the credit will not be advantageous, so you should pay the full balance on any credit cards each month to not incur high interest expenses. A credit card through a credit union is advantageous because you can often negotiate a lower rate after you've established the credit with them for a while (instead of closing the card and opening a new credit card account with a lower rate--this impacts your credit score negatively because the average age of open accounts is a significant part of the score. This advice is about the same except that it will take longer for negative marks like missed payments to be removed from your report, so expect 7 years to fully recover from the bad credit. Again, minimizing how long you have money borrowed for will be the biggest benefit. A note about cosigners: we discourage people from cosigning on other people's loans. It can turn out badly and hurt a relationship. If someone takes that risk and cosigns for you, make every payment on time and show them you appreciate what they have done for you.


"But there's no proof that it's a distinguishing factor or dispositive. Correlation doesn't equal causation, etc.   These ""successful people benefited from luck"" navel gazings serve no useful purpose other than to diminish the accomplishments of those who have achieved something and/or to make people feel better about their own lack of accomplishment. Might as well say ""successful people are mostly Capricorns"" or ""they were all raised in cribs facing east""  I think it's just a pointless exercise in mental masturbation."


The NY company's board of directors are your agents and fiduciaries.  I'll call them your agents below.  The acquiring company entered into some contract that your agents negotiated.  Whatever the acquiring company owes you in terms of money, equity, or specific communication is based on what your agents dealt for in the sale contract.   Best ask your agents what they got for you.


Read the Security Analysis.  I believe if you read it completely, you will have a real good chance of succeeding at making good money.  If you find the book hard to read just go through it and underline under the text as you read it.


"There is such a thing as Deposit Only. This will allow the individual's account to function only for collection of monetary deposits.  NO ONE will be able to withdraw...only deposit.  The account holder may still physically withdraw at their banking institution.  Think of it as taking your account from a ""public"" profile to a ""private"" profile.  Doing this is beneficial for ppl who may have been scammed into a program or product where there account is bieng fraudulently overdrafted, or simply to protect your funds from bieng drafted without your approval or despite your requests for ceasing the drafts.  When making your account a deposit only account it's a good idea to open a NEW account at a Different banking institution, because some banks will still allow an account that is ""attached"" to the deposit only account to be drafted from it.   WIth the new account you can utilize that one for paying day to day bills and just transfer funds from the deposit only account to the new account.   A deposit only account is also a good way to build up a nice nest egg for yourself or even a young adult! source- Financial Adivsor 4years-"


"I don't think email will be going away anytime soon. It's ""good enough"" and has been for 40+ years. While plenty of new technologies have been heralded as the death of email, it just keeps keeping on while the newbies have faded into history or found their own separate niche in the communication landscape."


"To answer your first two questions: according to IRS pub 696 ""Contributions to an HSA"" section: Rollovers A rollover contribution is not included in your income, is not   deductible, and does not reduce your contribution limit. Archer MSAs and other HSAs.   You can roll over amounts from Archer   MSAs and other HSAs into an HSA. You do not have to be an eligible   individual to make a rollover contribution from your existing HSA to a   new HSA. Rollover contributions do not need to be in cash. Rollovers   are not subject to the annual contribution limits.   You must roll   over the amount within 60 days after the date of receipt. You can make   only one rollover contribution to an HSA during a 1-year period. Note. If you instruct the trustee of your HSA to transfer funds directly to   the trustee of another HSA, the transfer is not considered a rollover.   There is no limit on the number of these transfers. Do not include the   amount transferred in income, deduct it as a contribution, or include   it as a distribution on Form 8889, line 14a. (italics mine) So if you transfer the money yourself, you can only do it once per year, but there are no limits to when or how many times you can instruct the old HSA trustee to transfer funds directly to the new trustee."


I don't have a problem with Prime itself (I would pay way more in same/next day shipping than I do free through Prime, not to mention Prime Video) but having to pay extra to get Pantry/Fresh, and then *also pay delivery fees in addition to that*, is fucked up.


"Well there are a couple reasons that people from various countries use specific currencies:  1.  Government courts will recognize the settlement of contracts if they are paid with their local currency.  So even if you wanted to be paid in Swiss Francs, your contracting partner can choose to pay you in USD instead.  This artificially inflates the value of the local currency by increasing demand for it.  2.  You're only allowed to pay your taxes in the local currency.  This also artificially increases the demand for it, and it's the ""root value"" of the currency - people clamor for bits of green paper because if they don't have enough of it to pay off the tax man, they'll go to jail."


"There may well be several such graphs, I expect googling will turn them up; but the definition of risk is actually quite important here. My definition of risk might not be quite the same as yours, so the relative risk factors would be different. For example: in general, stocks are more risky than bonds.  But owning common shares in a blue-chip company might well be less risky than owning bonds from a company teetering on the edge of bankruptcy, and no single risk number can really capture that. Another example: while I can put all my money in short-term deposits, and it is pretty ""safe"", if it grows at 1% so that my investment portfolio cannot fund my retirement, then I have a risk that I will run out of money before I shuffle off this mortal coil.  How to capture that ""risk"" in a single number? So you will need to better define your parameters before you can prepare a visual aid. Good Luck"


"Yes, you've successfully proved that I think NPV and marginal utility are the same thing.  Let me state this explicitly. You didn't hesitate to throw out tools that don't agree with your prescriptions. You invoked the false premise that indivuduals manually and exhaustively calculate NPV of possible decisions. Instead of refuting the points of the argument you resorted to personal attacks. That's fine, I've already lowered my expectations after reading your first comment.  If NPV should be thrown out because you claim noone explictly uses it to guide their decisions what does that say about marginal utility? Why should 1 tool be thrown out but the other kept?  Essentially you are saying we should keep all of the tools that confirm your absurd assertions and throw out the tools that may cast doubt on them.  But hey, maybe I should ""stop acting like I know what I'm talking about"""


"This is the best tl;dr I could make, [original](https://www.ineteconomics.org/perspectives/blog/how-economists-turned-corporations-into-predators) reduced by 95%. (I'm a bot) ***** > LP: What have these academic theorists missed about how companies really operate and perform? How have their views impacted our economy and society?  > These are aggressive corporate predators who buy shares of a company on the stock market and then use the power bestowed upon them by the ill-conceived U.S. proxy voting system, endorsed by the Securities and Exchange Commission, to demand that the corporation inflate profits by cutting costs.  > LP: So if shareholders and executives are too often just looting companies to enrich themselves - &quot;Value extraction,&quot; as you put it - and not caring about long-term success, who is in a better position to decide how to run them, where to allocate resources and so on?   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/74pl6s/how_economists_turned_corporations_into_predators/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~223416 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*: **company**^#1 **value**^#2 **share**^#3 **corporate**^#4 **stock**^#5"


"No, it can really not. Look at Detroit, which has lost a million residents over the past few decades. There is plenty of real estate which will not go for anything like it was sold. Other markets are very risky, like Florida, where speculators drive too much of the price for it to be stable. You have to be sure to buy on the downturn. A lot of price drops in real estate are masked because sellers just don't sell, so you don't really know how low the price is if you absolutely had to sell. In general, in most of America, anyway, you can expect Real Estate to keep up with inflation, but not do much better than that. It is the rental income or the leverage (if you buy with a mortgage) that makes most of the returns. In urban markets that are getting an influx of people and industry, however, Real Estate can indeed outpace inflation, but the number of markets that do this are rare. Also, if you look at it strictly as an investment (as opposed to the question of ""Is it worth it to own my own home?"") there are a lot of additional costs that you have to recoup, from property taxes to bills, rental headaches etc. It's an investment like any other, and should be approached with the same due diligence."


>Moreover, after WW2, the USA population was half of what it is today. Same size pie, smaller slices. Pies (aka total amount of resources) don't magically change sizes when populations grow. It was for this very reason that people in the 1500s were desperate to find new land like the Americas; Europe was getting overcrowded.  GDP per capita is [higher than it's ever been.](http://www.multpl.com/us-real-gdp-per-capita/table/by-year). Try again.  Since you didn't address any of my real points (which were labeled in bold), and are claiming bogus facts and arguing against points I didn't make (that's called a straw man argument btw), I'm now of the opinion that you're either a shill or wilfully ignorant and shan't argue more.


>The IPO price of $38 meant that Facebook's P/E ratio was 104x which is absurd for an IPO.  Anyone who couldn't work that out for themselves _and_ interpret it should not be buying stocks directly and has no leg to stand on if they lost money on FB stock.


If you have an increasing population but a steady supply of wealth then there will be a perceived effect of decline.  As the average person can afford less and less.  If inflation is factored in this effect is accelerated as the value of money is reduced but the availability of that money is as well.  In this model those who have tend to accumulate as they produce. And those who do not have tend to lose wealth as they consume to fill basic needs, at ever increasing prices, with a declining source of income, exacerbating the effect.   If you control your population, prevent inflation and deflation, and maintain a constant production/consumption cycle that is perfectly in balance then you could have that utopian society.  But in practice there is waste.  That waste makes maintaining that balance impractical at best.  People have different desires and motivations.  So while that utopian society that you propose seems possible at the theoretical level when solely looking at the mechanics and economics, in practice it becomes more about managing the people.  Which makes the task virtually impossible. As for the debt issue that is the strategy of many of the western nations.  Most of them experienced growth over the last 50 years that was unprecedented in history.  Many of them simply assumed it would continue indefinitely and failed to plan for a downturn.  In addition they planned for the growth and borrowed based on the assumptions.  When the growth slowed several continued to use the same projections for their budgeting, with the effect of spending money they would not take in.  So in a way, yes the growth is needed to service the continued growth of debt, unless the government issuing that debt is willing to reduce its expenses.


The thing with this test, ANYONE can take it. So fresh/soph, grad students, ivy league students, etc.. Worth taking if they come to your school but not worth studying for.  I took 2 semesters ago, halfway through I was like fuck this and skipped all calculations. 9am + hangover = nothxbro. Finished an hour + before anyone else I was told, still pulled a 62


There are really only two options: invoiced, or paid. Everything else is not relevant from a tax or accounting point of view. Of course, if you're invoicing as you go along or collecting deposits once things are in your order books, then that amount of money is relevant. Working things out according to when you invoice is called working on an accrual basis. Working it out according to when you get paid is called working on a cash basis. Wikipedia explains the distinction, which also applies to your expenses: when did you incur them (get the bill) vs when you did you pay it. In some jurisdictions and for some kinds of companies, you can choose which of these two bases to work on (but no other basis.) There is advice on the UK government website about keeping your accounts. It includes a link to a PDF and on page 15 of that 100 page PDF it states: 2.14 The financial statements, with the exception of cash flow information, shall be prepared on the accruals basis of accounting. HENCE, ALL INCOME AND CHARGES RELATING TO THE FINANCIAL YEARTO WHICH THE ACCOUNTS RELATE MUST BE TAKEN INTO ACCOUNT, WITHOUT   REGARD TO THE DATE OF PAYMENT OR RECEIPT. That seems pretty clear to me. When you invoice. Period.


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Living in Birmingham is like living in a royal land full of to class luxuries and amenities. And when you see every other celebrity and person enjoying the best things of life, you want some of them for yourself too. It is not a sin to enjoy some special things every now and then.


"Sales tax and luxury tax is what you will have to pay tax wise, and they are non-refundable (in most cases but the rules vary area to area).  This really tripped up some friends of mine I had come from England.  The rules are complicated and regional.  Sales tax is anywhere from 0% to 10.25% and are not usually applied to raw foods.  Luxury taxes are usually state level and only apply to things most people consider a large purchase. Jewelry, cars, houses, etc. Not things your likely to buy. (Small, ""normal"" jewelry usually doesn't count. Diamond covered flava-flav clock ... probably has a luxury tax.) For sales tax, it can change a lot. Don't be afraid to ask. People ask all the time. It's normal. I personally add 10% to what I buy. Sales tax in my city is 7%, county is 6.5%, state is 6%. So you can get different rates depending on what side of the street you shop on some times.  Under normal circumstances you do not get a refund on these taxes. Some states do give refunds. Usually however the trouble of getting that refund isn't worth it unless making a large purchase.  You are not exempt from paying sales tax. (Depending on where you go you may get asked). Business are exempt if they are purchasing things to re-sell. Only the end customer pays sales tax.  Depending on where you go, online purchases may not be subject to sales tax. Though they might. That, again, depends on city, county, and state laws. Normally, you will have to pay sales tax at the register. It will be calculated into your total, and show as a line item on your receipt. http://3.bp.blogspot.com/-yAvAm2BQ3xs/TudY-lfLDzI/AAAAAAAAAGs/gYG8wJeaohw/s1600/great%2Boutdoors%2Breceipt%2BQR-%2Bbefore%2Band%2Bafter.jpg Also some products have other non-refundable taxes. Rental car taxes, fuel taxes and road taxes are all likely taxes you will have to pay.  Areas that have a lot of tourists, usually (but not always) have more of these kinds of taxes.  Friendly note. DON'T BUY DVDs HERE! They won't work when you get home. I know you didn't ask but this catches a lot of people. Same for electronics (in many cases, specially optical drives and wireless)."


Hits 3 I go in big.  You think it'll still be at 3 in 5 or 10 years? Come on now.  It ain't going under and the economy will rebound. When it does, all the bank stocks will come back. It's quite simple, really.


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"Others have told you about the soap (bubbles doesn't mean cleansing) and toothpaste (mint scent doesn't mean ""clean""), and I can tell you about the laundry detergent: stains and whitening are due to agents added to the detergent specifically for that and have downsides (faster wear of garments, faster loss of other colour, some people are allergic).  I know absolutely nothing about ""honest co"" products, but your complaints are somewhat off."


I didn't realize that was twitter. You're right that it doesn't sound like there is one, but it also doesn't sound like there isn't one. If business guy was generally more reasonable I'd assume there would be as generally you'd get one first. But just because he's unreasonable now doesn't totally exclude the possibility.  On the facts as we have em you're right but seems there very reasonably could be more based on his comment and general situation.


**Feudalism**  Feudalism was a combination of legal and military customs in medieval Europe that flourished between the 9th and 15th centuries. Broadly defined, it was a way of structuring society around relationships derived from the holding of land in exchange for service or labour.  Although derived from the Latin word feodum or feudum (fief), then in use, the term feudalism and the system it describes were not conceived of as a formal political system by the people living in the Middle Ages. In its classic definition, by François-Louis Ganshof (1944), feudalism describes a set of reciprocal legal and military obligations among the warrior nobility revolving around the three key concepts of lords, vassals and fiefs.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/economy/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.24


I had a similar situation a while ago, and here's what I learned: What are our options here to ensure that this company can't retry to take our money again via ACH? Close existing account and create a new one that has different account number? Yes. As a temporary solution keep ~$0 balance in the account so that their request for $840 can't be fulfilled? However, would our bank incur any fees because of insufficient funds each time the other company tries to charge us again? Bad idea. You may incur penalties for returned payment, or the bank may honor the payment and charge you overdraft fees. Provide to our bank the service termination notice that proves that we   are not in business with the other company anymore and effectively   block them. However, termination notice has only our signature Bank doesn't care. ACH withdrawal is akin to a check. The assumption is that the other side has entitlement. You can put stop payment once its processed and try to reverse it claiming fraud, but the end result will be #1: you'll end up getting a new account set up, while they try to recover the money. This is one of the reasons I'm reluctant allowing standing ACH authorizations any more. Generally, the American banking system is very much geared against the consumers, and in many ways is very retarded. In a more advanced countries (which is almost any other country than the US), the standing withdrawal authorization goes through your bank and can be revoked.


The FDIC guarantee is up to $250,000 per depositor per insured bank. If your goal is primarily to protect your money, you may want to consider depositing your money in multiple insured banks. I'll leave it to someone else to accurately define money market accounts and how they function, and the (very low) risks you take with them. Don't forget that inflation will eat into your money. It's unlikely you'll make enough interest either in a savings account or in a money market account to cover the inflation. You should factor this in to your overall investment plan.


"Over the repair of a phone?  Based on what kinds of ""damages""... brain cancer via cell phone? (Even in the highly unlikely instance of such an absurd claim, they would go for the ""deep pockets"" -- are you as the phone repair guy likely to be considered to have deeper pockets than the company that manufactured the phone?  Doubtful.)"


The first problem is your math. Unless you are paying cash you will have a mortgage. So you'll need to add interest expense. And you will have property taxes whether you pay cash or not.   Cutting corners and delaying repairs helps with margins. So does raising the rent as often as you can.   For most Americans real estate is a store of wealth, not a generator of it.


Typically the power of capitalized interest would work in your favor and you could carry the loan paying it down while investing the original sum which would earn interest. BUT you aren't going to get any sort of return to compare with 15% so pay off that loan immediately. Also contrary to popular belief (and reiterated here) paying off incurred balance on your credit card every month is responsible use of credit but it will not do much for your credit score. The score ultimately means your ability to pay your bills and most importantly your willingness to pay interest, i.e. revolving the borrowed money. At least in the consumer market where the product they want you to buy is paying monthly interest charges.


The $10,000 mark is not a ceiling in importing cash, but rather a point where an additional declaration needs to be made (Customs Form 4790). At 1 million, I suspect you might be in for a bit of an interview and delay. Here's an explanation of what happens when the declaration isn't made: https://www.cbp.gov/newsroom/local-media-release/failure-declare-results-seizure-24000-arrest-two


'What' you have won't sell. 'Why' you do what you do and what you 'believe' is what will sell.  Don't sell a product, sell an idea.  As someone earlier said; we buy on emotions.  You want: Why - How - What  Not: What you have - How it can benefit - Why it's great  Hit home with someone and they'll buy into your passion, share your emotion, and trust your enthusiasm.  Posiyivity is also key. No-one wants to think about negatives or be around a negative person. Trigger positive thoughts and emotions in people with your marketing and when you speak to them and they'll be more inclined to listen.  And as someone else mentioned; arrogance. Don't be that person as no customer likes dealing with arrogance. Your product may be too good to you but put yourself in a customers' shoes that doesn't understand your product. Think of how it would baffle them and why.


You can use google docs to create a spreadsheet. In field A2, I put Google will load the prices into the sheet. At that point, I add the following into C12, then copy that line all the way down to the botton of column C. You can find my spreadsheet here. It calculates the moving 10 day standard deviation as a percentage of average price for that time period.


Go for the economics course; the entry level accounting/finance positions don't demand much in-depth knowledge, so you can either take extra courses or build on your economics background and learn on the job. At least for those couple of years at uni do something interesting and stimulating. the shit show comes later.


They are valid checks, but you're going to get hassled when you try to use them. There's a perception that people using starter checks are more likely to bounce or otherwise be troublesome. When more payments were made with checks, some vendors would not accept checks with low numbers either! Checks are very cheap to get printed these days, save yourself some trouble and get some printed.


"This is the best tl;dr I could make, [original](https://realinvestmentadvice.com/how-big-of-a-deleveraging-are-we-talking-about/) reduced by 91%. (I'm a bot) ***** > With economic growth rates now at the lowest levels on record, the growth in debt continues to divert more tax dollars away from productive investments into the service of debt and social welfare.  > The problem is that eventually, the debt reaches a level where the level of debt service erodes the ability to consume at levels great enough to foster stronger economic growth.  > With the economy currently requiring roughly $3 of debt to create $1 of real, inflation-adjusted, economic growth, a reversion to a structurally manageable level of debt would involve a nearly $35 Trillion reduction of total credit market debt from current levels.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6pilkb/how_big_of_a_deleveraging_are_we_talking_about/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~175389 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*: **debt**^#1 **growth**^#2 **economic**^#3 **level**^#4 **economy**^#5"


Is it possible that mutual funds account for a significant portion of this volume. Investors may decide to buy or sell anytime within a 24 hour period, but the transaction only happened at the close of the market. Therefore at 3:59 pm the mutual fund knows if they will be buying or selling stocks that day.  As nws pointed out the non-market hours are longer and therefore accumulate more news event. Some financial news is specifically given during the time the market is closed. Therefore the reaction to that news has to either be in the morning when the market opens or in the late afternoon if they are trying to anticipate the news.  Also in the US market the early morning trader may be reacting to European market activities.


Credit card limits are, for the most part, soft limits; sometimes, a credit card will allow you to charge a little over your limit. The large amount they allowed you to go over your limit is unusual, but not unheard of.  It is your responsibility to keep track of how much you charge on your credit card, not the bank. Just like with a checking account, you are supposed to keep track of everything you charge so that you always know how much you have spent and can pay it off.  Raising your limit will not help your problem; it would only make it worse. You have already charged more than you can afford, and they have already effectively raised your limit by $1200.  I realize that this situation is tough, but fortunately, you have a learning opportunity here. I recommend you resolve to stop using the credit card in this way, and work toward paying off your debt to zero. At that point, treat your credit card as if it was a debit card, and only charge what you already have in the bank to pay off right away. (Or, just use a debit card and get rid of the credit card.) Learning to do this now will save you lots of money in interest.  If you don't learn to do this, you will find yourself in even more debt in the future, and it will be even harder to dig yourself out.  If you need some more help on getting out of debt and learning to budget your money, I recommend the book The Total Money Makeover by Dave Ramsey.


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> He added that the company will be providing ... outplacement services, including a job fair with local IT employers.  Why even bother with the charade: If Lowes doesn't see the need the need to hire in this country, why should anybody else?  It is a [good idea](http://www.theonion.com/article/report-98-percent-of-us-commuters-favor-public-tra-1434) for *everybody else* to carpool or use mass transit.


Cutting taxes to raise tax revenue is a fantasy that has never come true. Reagan tried it and the [deficit skyrocketed](http://www.washingtonpost.com/opinions/five-myths-about-ronald-reagans-legacy/2011/02/04/ABs1qxQ_story.html), so he reversed it:  >Certainly, Reagan's boldest move as president was his 1981 tax cut, a sweeping measure that slashed the marginal rate on the wealthiest Americans from 70 percent to 50 percent. The legislation also included smaller cuts in lower tax brackets, as well as big breaks for corporations and the oil industry. But the following year, as the economy was mired in recession and the federal deficit was spiraling out of control, even groups such as the Business Roundtable lobbied Reagan to raise taxes. And he did: The Tax Equity and Fiscal Responsibility Act of 1982 was, at the time, the largest peacetime tax increase in U.S. history.  Bush had two massive tax cuts, and deficits rocketed again. Cutting taxes doesn't bring more tax revenue in. Why not cut taxes to zero on the promise of infinite revenue?


"Assuming your investments aren't in any kind of tax-advantaged account (like an IRA), they are generally not tracked and you indeed may pay more taxes.  What will likely change, however, is your cost basis.  You only pay tax on the difference between the value of the investment when you sell it and its value when you bought it. There is no rule that says once you sell an investment and pay taxes on the gain, you will never again pay any taxes on any other investments you then buy with that money.  If you own some investment, and it increases in value, and then you sell it, you had a capital gain and owe taxes (depending on your tax bracket, etc.).  If you use the money to buy some other investment, and that increases in value, and then you sell it, you had another separate capital gain and again owe taxes. However, every time you sell, you only are subject to capital gains taxes on the gain, not the entire sale price.  The value of the investment at the time you bought it is the cost basis.  When you sell, you take the sale price and subtract the cost basis to find your gain, So suppose you bought $1000 worth of some ETF many years ago.  It went up to $2000 and you sold it.  You have $2000 in cash, but $1000 of that is your original money back, so your capital gain is $1000 and that is the amount on which you owe (or may owe) taxes.  Suppose you pay 15% tax on this, as you suggest; that is $150, leaving you with $1850.  Now suppose you buy another ETF with that.  Your cost basis is now $1850.  Suppose the investment now increases in value again to $2000.  This time when you sell, you still have $2000 in cash, but this is now only $150 more than you paid, so you only owe capital gains taxes on that $150.  (A 15% tax on that would be $22.50.) In that example you had one capital gain of $1000 and a second of $150 and paid a total of $172.50 in taxes (150 + 22.50).  Suppose instead that you had held the original investment and it had increased in value to $2150 and you had then sold it.  You would have a single capital gain of $1150 (2150 minus the original 1000 you paid).  15% of this would be the same $172.50 you paid under the other arrangement.  So in essence you pay the same taxes either way.  (This example is simplified, of course; in reality, the rate you pay depends on your overall income, so you could pay more if you sell a lot in a single year, since it could push you into a higher tax bracket.) So none of the money is ""tax exempt"", but each time you sell, you ""reset the counter"" by paying tax on your gain, and each time you buy, you start a new counter on the basis of whatever you pay for the investment.  Assuming you're dealing with ordinary investment instruments like stocks and ETFs, this basis information is typically tracked by the bank or brokerage where you buy and sell them.  Technically speaking it is your responsibility to track and report this when you sell an investment, and if you do complicated things like transfer securities from one brokerage to another you may have to do that yourself.  In general, however, your bank/brokerage will keep track of cost basis information for you."


"DO NOT buy this car. First, I want to say I love BMW's.  There's a reason why they call them ""ultimate driving machine"" and why other car manufacturers compare their new models to BMWs.  I own 330i and I absolutely love it.  Every time you get into the car, it just begs you to push and abuse it.  Everything from steering response to throttle to engine sound.  Awesome car.  However... 1) BMW is not known for their reliability.  I've had to do numerous things to this car and if I didn't do the work myself (i like tinkering with cars), it would be a pretty big money pit (and actually still is).  German parts are more expensive then regular cars.  Labor will run you if you take it for service.  Right now my car is on jack stands while I'm fixing an oil leak, replacing cooling system components which are known to fail and doing work with the cam timing system which uses bad seals. 2) If you buy a used car which is 3 years old, just remember all the wearable items and everything that wants to break, will break 3 years sooner on you.  Someone else already pre-enjoyed your car's maintenance-free days.  At 60k-80k things will start to go.  Ask me how I know.  So you'll start paying for maintenance way before your 5-year loan expires.  Compare this 330i to the Acura Integra I used to have.  Acura (aka Honda) had 194k miles when I sold it and I NEVER ONCE got stranded with the Acura. 3) Fuel economy is not that good and btw you have to use the most expensive gas. 4) If you are really set on buying a BMW because you enjoy driving and won't drive like an old lady (my apologies to those old ladies that drive at least the speed limit, but you are not the majority), then still do not by this one and check out auctions.  I bought my 2003 330i in 2005 for 21k when it cost over 40k new.  You could probably find one with less than 20k miles on it. My final advice is either a) learn to at least do basic maintenance or b) stick to always buying new cars which don't have any issues in first 4-7 years, then move on before you have to schedule your life around your cars. on the bright side I doubt you'll have to ever replace the exhaust and you can buy tail lights on e-bay for roughly $60 :)"


I used to work in FP&A and never had to use SQL at all.  What kind of companies are you looking at that require it?  I did end up using it when I switched over to the Strategic Analysis team (they were much more data heavy).  It was relatively easy to learn on the job but if you want to get out ahead of it you will have to know which software/database they use as there are different types of SQL language (I unfortunately found out.)    Feel free to PM me if you have any other FP&A type questions.


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This is high-order scumbaggery, and Bank of America must be dissolved. I really cannot describe how angry this makes me.  These are the bastards whose fraudulent asses we bailed out, many paying for that bailout with the new taxes on unemployment insurance? While BofA execs buy Ferraris and yachts with our money? Good God. Hang them!


Un contrato de arrendamiento es simplemente un contrato entre un arrendador y un arrendatario que indica lo que el inquilino pagará mensualmente por alquiler y por cuánto tiempo. contrato de arrendamiento, como muchos contratos, tienden a intimidar a algunas personas porque gran parte del lenguaje en el contrato puede ser confuso. Sin embargo, si usted tiene una comprensión básica de lo que está incluido en un contrato de arrendamiento, puede ayudarle a evitar desacuerdos innecesarios o gastos durante o después de su contrato de arrendamiento.