Even for those of us who aren't at risk of over drafting, direct debit is a less-than-stellar option. Direct debit is a great way to begin ignoring how large your bills are. By explicitly paying them through my bank's online billpay, I notice immediately when a bill is larger than it ought to be. This is often caused by a billing error. In which case I've found it far easier to resolve disputes when the money is still in my hands. It's significantly harder to convince an internet provider, cell phone service, or utility to reverse an incorrect charge after it's been paid than it is before. The other times, it's because I've been using the service more than normal. For example, sending text messages more frequently or using more electricity. Explicitly paying these bills makes me realize upfront that there's been a change in my behavior and I can either reduce my expenses or accept the higher cost for higher service. My own experience leads me to believe that paying your bills automatically every month is a great way to ignore these events, and leak money like a sieve. Online bill pay makes doing this as trivial as I could hope for, and the risk of missing a payment is essentially nil.


stimulate $1 trillion in infrastructure expenditures over 10 years by granting $137 billion in tax credits to private investors - over 10 years this trillion seems the same as we have before:  * [Road infrastructure investment in the US, 1995 to 2015](https://www.reportlinker.com/data/series/oJRgKMNK7JM) - $94M in 2015 * [Rail infrastructure investment in the US 1995 to 2015](https://www.reportlinker.com/data/series/IOc4fG3MgKM) - $17M in 2015


In any country, individuals (and shops) can reject any form of payment that is not Legal Tender - defined by law as a payment form that must be accepted. Shops are typically more generous, because they want to do business with you, but individuals are in a different position. In France, only official coins and bills are declared as Legal Tender (so if they don't want to, individuals don't even need to accept bank transfers). This is for doubts you need to pay. In addition, as you are not forced to do business with them, people and shops can require whatever they feel like to require - if you want to buy their car, they can ask you to stand on your head and spit coins, and if you don't like it, they don't sell to you. (They won't do much business then, probably)


"in theory, yes. in practice, no. largely because merchants pay a fee to process credit card transactions which normally exceeds the cash back you can get. i tried this with square, since their vendor fee was 2.75%, and i got 5% back on restaurants.  however, even though i registered with square as a restaurant, transactions were categorized as ""other services"" or something, so i only got 1% back and lost 1.75% net. moreover, if you did find a card/processor combination that left you with a net gain, they would eventually catch on and charge you with some sort of fraud.  i wasn't worried about it with the square experiment because it was only 1$, but if you tried to do this with large sums, a human would catch you. and if it was enough money to matter, there would be a lawsuit. if you were really unlucky, you might get charged with some terrorism crap like ""structuring"" deposits."


"This is the best tl;dr I could make, [original](http://money.cnn.com/2017/10/18/investing/rio-tinto-coal-mine-fraud/index.html) reduced by 83%. (I'm a bot) ***** > Authorities in the U.S. and the U.K. have accused Rio Tinto.  > The U.S. Securities and Exchange Commission claims that Rio Tinto realized the mine was worth significantly less within a year of purchasing it, but did not share that information with investors until 2013.  > In its complaint filed Tuesday, the SEC accused Rio Tinto, Albanese and Elliott of trying &quot;To conceal the rapid and dramatic decline in value&quot; of the coal business.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/77ct0m/rio_tinto_accused_of_fraud_over_3_billion_coal/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~231113 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*: **Tinto**^#1 **Rio**^#2 **mine**^#3 **company**^#4 **SEC**^#5"


I use GNUCash. It's a bit more like Quickbooks than plain Quicken, but it's not all that complicated. Probably the most difficult part is understanding the idea of income accounts.  Benefits: For short term planning, I use scheduled transactions. If I'm spending more than I have, it'll show up here. Every paycheck and dollar spent or invested is recorded with the exact date I anticipate it will happen, 30 days in advance. If that would overdraw my checking account, the Future Minimum Balance field will go negative and red. This lets me move float to higher interest savings and retirement funds, and avoids overdraft fees or other mishaps. By looking 30 days ahead in detail, I have enough time to transfer from illiquid assets. For longer term planning, I keep a spreadsheet around that plans out annual expenses. If I'm spending more than I earn, it shows up here. I estimate everything: expenses, savings, taxes, and income. I need this because I have a lot of expenses that are far less frequent than monthly or paycheck-ly. The beauty of it is that once I've got it in place, I can duplicate the sheet and consider tweaks for say taking a new job or moving, or even just changing an insurance plan (probably less relevant for those with access to NHS). Especially when moving to take a new job, it's not as straightforward as comparing salaries, and thus having a document for the status quo to start from lets you focus on the parts that changed.


"This answer is somewhat incomplete as I don't have definitive conclusions about some parts of your question.  Your question includes some very specific subquestions that may best be answered by contacting the investment companies you're considering. I don't see any explicit statement of fees for TIAA-CREF either.  I suggest you contact them and ask. There is mention on the site of no-transaction-fee funds (NTF), but I wasn't able to find a list of such funds.  Again, you might have to ask. Vanguard also offers some non-Vanguard funds without transaction fees.  If you go the Vanguard page on other mutual funds you can use the dropdown on the right to select other fund companies.  Those with ""NTF"" by the name have no transaction fees. Scottrade also offers NTF funds.  You can use their screener and select ""no load"" and ""no transaction fee"" as some of your filters. You are correct that you want to choose an option that will offer a good lineup of funds that you can buy without transaction fees.  However, as the links above show, Vanguard and TIAA-CREF are not the only such options.  My impression is that almost any firm that has their own funds will sell them (or at least some of them) to you without a transaction fee.  Also, as shown above, many places will sell you other companies' funds for free too.  You have plenty of options as far as free trades, so it really depends on what funds you like. If you google for IRA providers you will find more than you can shake a stick at.  If you're interested in low-cost index funds, Vanguard is pretty clearly the leader in that area as their entire business is built around that concept.  TIAA-CREF is another option, as is Fideltiy (which you didn't mention), and innumerable others.  Realistically, though, you probably don't need a gigantic lineup of funds.  If you're juggling money between more than a handful of funds, your investment scheme is probably needlessly complex.  The standard advice is to decide on a broad allocation of money into different asset classes (e.g., US stocks, US bonds, international stocks, international bonds), find a place that offers funds in those areas with low fees and forget about all the other funds."


In my opinion, it's all about knowing what you want to do. I know too many people who are in finance for the money who could've been doctors or engineers and enjoyed that life a lot more. That's not to say they aren't successful, money is a powerful motivator, but for the rest of us, you should really know what you're getting into.


I could definitely see a future where Amazon runs home automation. Especially when you consider 24/7 access to their store and streaming platforms.  That said, I imagine Google will probably repeat history and pivot to business applications. Google Assistant, partnered with Google Maps, could do very well with the autonomous car market. A distributor could handle entire fleets from his phone.


you forgot   Alipay: The biggest mobile payment platform in China, similar to paypal but much more prevalent in offline settings  AliSports: Arranges esports tournaments, owns Asia's best football club, helped Alibaba become the primary sponsor of the next summer olympics  Youku: one of the biggest video platform in China, with a hybrid model between Netflix and Youtube.  AliPictures: hollywood production company responsible for several recent productions such as Mission Impossible, Ninja Turtles, and Star Trek  Cainiao: The largest logistics network in China, facilitating the delivery of over 12 million packages a day  AliCloud: Leading cloud-computing provider in China and a significant competitor to companies like Oracle and AWS  Ele.Me: Market-leading food-delivery network  Didi Kuaidi: The chinese Uber.


As someone who works in the tech industry, this isn't very fair. The CTO is in charge of the technical direction of the company. Yes Uber is fairly mature, from what I've heard, in their technology but continuing to iterate on their technology is what will keep them ahead of the field. Lyft is quickly catching up, especially since this whole fiasco started.  They are also an important component of mitigating any potential risk, from security breaches to wide scale outages. Considering how critical the technology is to their business can you imagine the fallout from a wide scale security breach or multi day outage?


I would not advise any stock-picking or other active management (even using mutual funds that are actively managed).  There is a large body of knowledge that needs learning before you even attempt that. Stay passive with index funds (either ETFs or (even better) low-cost passive mutual funds (because these prevent you from buying/selling). But I have not problem saying you can invest 100% in equity as long as your stomach can handle the price swings.  If you freek out after a 25% drop that does not recover within a year, so you sell at the market bottom, then you are better off staying with a lot less risk.  It is personal. There are a lot of valid reasons for young people to accept more risk - and equally valid reason why not.  See list at http://www.retailinvestor.org/saving.html#norisk


Its not Israel the country that has existed since 1200BC, its the rat plague of Jews that has plagued humanity since the dawn of money and shiny things, and the Jews have spent most of their existence being chased around the world because they killed Jesus and are habitually a parasite on which ever society they infest with their greed, avarice and corruption, since ancient Egypt to modern America. As history repeats itself once more and Jews have tried to take control of American society and destroy its values so they can suck the American people dry of every coin, with bank fraud and scams and schemes and interest, all the while spewing poison and hatred against other nations and people and dragging America and its sons into fake wars while you grow fat like a tick at its throat. This time no one is coming to help and no one will listen to your cries for help.  You are the criminally insane that the world regrets saving and will not miss when you are gone, as mankind progresses in peace, serenity and harmony in your absence.


I probably can, but I realized I also do have a commission sheet from the month of June which shows how much I made in just commissions, and then I could tell them I also get my 300 a week salary. Do you think that would suffice?


"Not really.  You can map the ctrl/option/command keys to the Windows equivalent of control/alt/win.  In fact, the Option key is already labeled ""alt"" as well, so really the command key will become the windows key.    If you're the primary user of the PC you'd get used to it really quick.  Lack of a labeled 10-key may suck though if you're doing a lot of number entry, but I've never found laptop overlay 10-key to be really functional anyway, full-size keyboards are still the best for that."


I know you were partly joking, but still:  > movies  Bring an iPad, most modern planes have WiFi, you can watch Netflix and relax without paying for Buisness Class.  >elaborate meals  Buy a meal at the terminal before you fly. You can even indulge and treat yourself at the nicer sit down restaurants in the airport. Even if you pay $100 for the meal, that's only 10% the cost of upgraded to Buisiness Class just for the food on board.  >priority boarding  You can pay a token fee, like $20, for priority boarding. Hardly need a $1000 ticket for that.   >power  Power is standard on most newer planes, even in coach. I flew Spirit, the budget airline in my region, and despite paying $80 for my economy ticket I had a powered USB outlet *and* an AC outlet I could use.  >storage, recline chairs, & cocaine  Well, you got me there.


"many biz ""leaders"" are also leftists and see now as good time to bail out as Trump will not further assist in their quest for more government ...where government regulations, for example, hurt everyone, but least hurt are the biggest players...and over time, that reduces competition"


Ok, so here's the strategy I decided to go with in the meantime: Allocate E1 to A_corp and E3 to A_ira. Here are my considerations which I assume at this stage to be right:


You can use the debit card for practically any purchase that you make. You'll have to take the usual precautions and then a few additional ones.   Cards make your life really easy and convenient with some basic precautions.  All the best for your travel and stay in the USA. My two cents.


">Ah, but with all the business you'd do in gold, you'd constantly be increasing the value of gold. Think of it!  How does ""doing business in"" something increase its value?  By this logic, all businesses should be successful.  I feel like you're just grasping at straws at this point.  >I'm pretty sure that most people want to be paid in dollars not simply because of the fact that their taxes have to be paid in it, but because of it's universality.  You have no way of proving this, though.  It's like saying ""I love paying my taxes!""  It may really be the case, but there's no way to know for sure, because you might just be afraid of jail.  >Not everyone has a use for a sack of barley, or a fish, or some gold dust. But you can buy whatever you want with an amount of dollars.   Sure, in the current system.  But that's not really saying anything, because you're basically saying ""Things are currently like X, therefore things should (and would) be like X under a different legal structure.""  >It's only taxed at a 15.5% rate, IIRC. You'd probably come out ahead.   I can't take this line of argument seriously, I'm sorry.  You're emotionally invested in a fiat paper standard."


"Equity does not represent production divisions in a company (i.e. chocolate, strawberry, and vanilla does not make sense).  In Sole proprietorship, equity represents 1 owner.  In Partnership, equity has at least two sub-accounts, namely Partner 1 and Partner 2.  In Corporations, equity may have Common Stockholders and Preferred Stockholders, or even different class of shares for insiders and angel investors.  As you can see, equity represents who owns the company. It is not what the company does or manufactures.  First and foremost, define the boundary of the firm. Are your books titled ""The books of the family of Doe"", ""The books of Mr & Mrs Doe"", or ""The books of Mr & Mrs Doe & Sons"".  Ask yourself, who ""owns"" this family. If you believe that a marriage is perpetual until further notice then it does not make any sense to constantly calculate which parent owns the family more. In partnership, firm profits are attributed to partner's accounts using previously agreed ratio. For example, (60%/40% because Partner 1 is more hard working and valuable to the firm.  Does your child own this family? Does he/she have any rights to use the assets, to earn income from the assets, to transfer the assets to others, or to enforce private property rights? If they don't have a part of these rights, they are certainly NOT part of Equity.  So what happens to the expenses of children if you follow the ""partnership"" model? There are two ways. The first way is to attribute the Loss to the parents/family since you do not expect the children to repay. It is an unrecoverable loss written off. The second way is to create a Debtor(Asset) account to aggregate all child expense, then create a separate book called ""The books Children 1"", and classify the expense in that separate book.  I advise using ""The family of Doe"" as the firm's boundary, and having 1 Equity account to simplify everything. It is ultimately up to you to decide the boundaries."


"It all comes down to how the loan itself is structured and reported - the exact details of how they run the loan paperwork, and how/if they report the activity on the loan to one of the credit bureaus (and which one they report to).  It can go generally one of three ways: A) The loan company reports the status to a credit reporting agency on behalf of both the initiating borrower and the cosigner. In this scenario, both individuals get a new account on their credit report. Initially this will generally drop related credit scores somewhat (it's a ""hard pull"", new account with zero history, and increased debt), but over time this can have a positive effect on both people's credit rating. This is the typical scenario one might logically expect to be the norm, and it effects both parties credit just as if they were a sole signor for the loan. And as always, if the loan is not paid properly it will negatively effect both people's credit, and the owner of the loan can choose to come after either or both parties in whatever order they want. B) The loan company just runs the loan with one person, and only reports to a credit agency on one of you (probably the co-signor), leaving the other as just a backup. If you aren't paying close attention they may even arrange it where the initial party wanting to take the loan isn't even on most of the paperwork. This let the person trying to run the loan get something accepted that might not have been otherwise, or save some time, or was just an error. In this case it will have no effect on Person A's credit. We've had a number of question like this, and this isn't really a rare occurrence. Never assume people selling you things are necessarily accurate or honest - always verify. C) The loan company just doesn't report the loan at all to a credit agency, or does so incorrectly. They are under no obligation to report to credit agencies, it's strictly up to them. If you don't pay then they can report it as something ""in collections"". This isn't the typical way of doing business for most places, but some businesses still operate this way, including some places that advertise how doing business with them (paying them grossly inflated interest rates) will ""help build your credit"". Most advertising fraud goes unpunished. Note: Under all of the above scenarios, the loan can only effect the credit rating attached to the bureau it is reported to. If the loan is reported to Equifax, it will not help you with a TransUnion or Experian rating at all. Some loans report to multiple credit bureaus, but many don't bother, and credit bureaus don't automatically copy each other. It's important to remember that there isn't so much a thing as a singular ""consumer credit rating"", as there are ""consumer credit ratings"" - 3 of them, for most purposes, and they can vary widely depending on your reported histories. Also, if it is only a short-term loan of 3-6 months then it is unlikely to have a powerful impact on anyone's credit rating. Credit scores are formulas calibrated to care about long-term behavior, where 3 years of perfect credit history is still considered a short period of time and you will be deemed to have a significant risk of default without more data. So don't expect to qualify for a prime-rate mortgage because of a car loan that was paid off in a few months; it might be enough to give you a score if you don't have one, but don't expect much more. As always, please remember that taking out a loan just to improve credit is almost always a terrible idea. Unless you have a very specific reason with a carefully researched and well-vetted plan that means that it's very important you build credit in this specific way, you should generally focus on establishing credit in ways that don't actually cost you any money at all. Look for no fee credit cards that you pay in full each month, even if you have to start with credit-building secured card plans, and switch to cash-value no-fee rewards cards for a 1-3% if you operate your financial life in a way that this doesn't end up manipulating your purchasing decisions to cost you money. Words to the wise: ""Don't let the credit score tail wag the personal financial dog!"""


"Ah ok, I can appreciate that. I'm fluent in English and Mr. Graham's command of English can be intimidating (even for me). The edition I have has commentary by Mr. Jason Zweig who effectively rewrites the chapters into simpler English and updates the data (some of the firms listed by Mr. Graham don't exist either due to bankruptcy or due to consolidation). But I digress.  Let's start with the topics you took; they're all very relevant, you'd be surprised, the firm I work for require marketing for certain functions. But not being good at Marketing doesn't block you from a career in Finance. Let's look at the other subjects.  You took high level Maths, as such I think a read through Harry Markowitz's ""Portfolio Selection"" would be beneficial, here's a link to the paper:  https://www.math.ust.hk/~maykwok/courses/ma362/07F/markowitz_JF.pdf  Investopedia also has a good summary:  http://www.investopedia.com/walkthrough/fund-guide/introduction/1/modern-portfolio-theory-mpt.aspx  This is Mr. Markowitz's seminal work; while it's logical to diversify your portfolio (remember the saying ""don't put all your eggs in one basket""), Mr. Markwotiz presented the relationship of return, risk and the effects of diversification via mathematical representation. The concepts presented in this paper are taught at every introductory Finance course at University. Again a run through the actual paper might be intimidating (Lord knows I never read the paper from start to finish, but rather read text books which explained the concepts instead), so if you can find another source which explains the concepts in a way you understand, go for it. I consider this paper to be a foundation for other papers.  Business economics is very important and while it may seem like it has a weak link to Finance at this stage; you have to grasp the concepts. Mr. Michael Porter's ""Five Forces"" is an excellent link between industry structure (introduced in Microeconomics) and profit potential (I work in Private Equity, and you'd be surprised how much I use this framework):  https://hbr.org/2008/01/the-five-competitive-forces-that-shape-strategy  There's another text I used in University which links the economic concept of utility and investment decision making; unfortunately I can't seem to remember the title. I'm asking my ex-classmates so if they respond I'll directly send you the author/title.  To finish I want to give you some advice; a lot of subjects are intimidating at first, and you might feel like you're not good enough but keep at it. You're not dumber than the next guy, but nothing will come for free. I wasn't good at accounting, I risked failing my first year of University because of it, I ended up passing that year with distinction because I focused (my second highest grade was Accounting). I wasn't good in economics in High School, but it was my best grades in University. I wasn't good in financial mathematics in University but I aced it in the CFA. English is your second language, but you have to remember a lot of your peers (regardless of their command of the language) are being introduced to the new concepts just as you are. Buckle down and you'll find that none of it is impossible."


My wife and I use a digital form of the envelope system. We call it a budget; we record how much we want to allocate each month to spend--for each category of expense--in a spread sheet. Why use prepaid cards? Why not open a bunch of bank accounts and use debit cards from each if you want to separate the money? You could also keep a ledger for each account that you spend from on a smart phone or even in a physical ledger.  The reason for the envelope method is that it psychologically hurts some people to physically part with cash. Once you digitize it in some factor, you lose what is the primary touted benefit, and it's no longer the envelope system. The secondary benefit that--once the budget for one category is gone, it's gone--is only as good as the discipline you have to not rob cash from another envelope; why is this any easier than the discipline of not debiting beyond the bottom of the ledger? So a budget IS a digital version of the envelope system; once the physical cash is removed from the equation, it's definitely not the envelope system. Sorry for the contrarian take on this question, but I've never been a fan of the envelope system for many of the reasons you have described. I guess I'm too young for the cash psychology to work for me.


"Wikipedia has a list of countries which ban foreign exchange use by its citizens.  It's actually quite short but does include India and China. Sometimes economic collapse limits enforcement.  For example, after the collapse of the Zimbabwean dollar (and its government running out of sufficient foreign exchange to buy the paper necessary to print more), the state turned a blind eye as the US dollar and South African rand became de facto exchange. Practicality will limit the availability of foreign exchange even in free-market economies.  The average business can't afford to have a wide range of alternative currencies sitting around.  Businesses which cater to large numbers of addled tourists sometimes offer one or two alternative currencies in the hopes of charging usurous rates of exchange.  Even bureaux de change sometimes require you to order your ""rarer"" foreign exchange in advance. So, while it may be legal, it isn't always feasible."


If thats how you feel (its how I feel )  then the last thing you want bankers doing is accepting deposits from people who think their money is not being risked, then making loans with it (fractional reserve banking).  And fdic is not an answer to that fundamental problem.


Could be. I haven't read the law or how its written nor am I a lawyer. Just saying there's usually a way around these things.   They could also make the business decision that the risk of lost sales is worth the potential lawsuit loss.   We're all just pontificating here ¯\_(ツ)_/¯


"Commentators say ""that's how capitalism works."" It's also how it doesn't work. At the extremes systems break down. A heavily socialist state couldn't move to American style capitalism. Too many parts don't work.   Picture the US with 7 billion citizens. If 4 or 5 billion don't work, how does the system operate? There are limits and the argument is about where those limits are and what are the alternatives, besides war and plague."


"Wow.  Just ... wow. We all must start where we are, I guess.  The past is the past. There almost certainly isn't a cheap way to fix this.  You're already on the hook for $4k per month.  Your money is enabling her behavior.  You'd rather not enable her behavior, but the money is part of the consequences of your divorce, so into her bank account it goes. Those who control how much alimony your ex-wife receives might reach the conclusion she needs more.  That's not a hard conclusion for them to make.  It's not their money. The living conditions are hurting your kids, and that's unfortunate, but that's also part of the consequences of your divorce. If it's deemed that your kids are better off not visiting her, then you might be relieved of paying child support (since you're supporting them at that point) but you might still be supporting her until some trigger is met, which might be never.  (You know those details better than I do, of course.) If she's already lost her house, filed for bankruptcy, borrowed money from people that she hasn't paid back, and gets a check from you each month and still has utilities shut off, she'll continue to deteriorate financially until she hits rock bottom.  Then, and only then, will she see the need to fix her behavior. Now, the (possibly) million dollar question for you is, ""Where is rock bottom?"" Do what you can to make that happen sooner rather than later, because you'll likely be subsidizing her all the way down, and part of the way back up.  You've lost most of the leverage you once had to change her behavior, but try every way you can.  You might hit the jackpot."


"Overall the question is one of a political nature.   However, this component can have objective answers: ""What behavior is trying to be prevented?"" There are mechanisms by which capital gains can be deferred (1031 like-kind exchange, or simply holding a long position for years) or eliminated by the estate step up in basis.  With these available, mechanisms that enable basis-reduction are ripe for abuse.   On the other hand, if this truly bothers you then if you meet the IRS qualifications of a day trader, you may elect to use ""mark to market"" accounting, eliminating this entirely as a concern. Special rules for traders of securities"


"Part of your first link has this statement that I suspect you are missing: However, Section 13(a)(1) of the FLSA provides an exemption from both   minimum wage and overtime pay for employees employed as bona fide   executive, administrative, professional and outside sales employees. Note that executive is in that list. As for the additional note: To qualify for exemption, employees generally must meet certain tests   regarding their job duties and be paid on a salary basis at not less   than $455 per week. Generally which means, ""in most cases; usually."" is not a universal qualifier and thus exceptions can exist. I'd imagine that restricted stock could be a way around some of the rules as there would be a monetary value there in the case of the stock for companies of a particular size."


Jeff Bezos hasn't really made much money in Amazon. His goal was for Amazon to achieve a critical mass through economies of scale so hey kept building up his business instead of cashing out.  Musk is doing the same with infrastructure. He's not just trying to create an electric car. That is a means to an end. His vision is to change transportation infrastructure by switching from fossil fuels to electric. This includes charging stations, battery technology, and energy harvesting (solar).  All his projects are somehow transportation related. The Hyperloop, Boring Project, SpaceX, Tesla.


"Debt can be denominated either in a currency the country controls or a currency the country doesn't control. If the debt is denominated in a currency the country controls then they have the option of ""printing their way out of it"". That option doesn't come for free, it will devalue their currency on the global market and hurt savers in their country but it is an option. If the debt is denominated in a currency the country does not control then they don't have that option. As I understand it the US debt is in the first category. It's denominated in US dollars so the US government could if they so wished print their way out of it. On the other hand greece's debt is denominated in euros putting them at the mercy of european bankers."


to know the reasons, please click the link above and read this post. for sure you will learn a lot from this piece most especially on how you can always pay your financial obligations, like your credit card bills and monthly loan payments, on-time and in-full, each month.


In Florida, real estate transaction is not so easy matter, but a difficult one. If you choose GHarveyBuysHouses, then it's a promise that We Buy Any House with successful buying transactions and these transactions are best handled by the full support team.


I can confirm their products are complete and total crap with the exception of their diapers. They're about twice as expensive as regular diapers but everything about them works twice as well. I honestly wish having a kid wasn't so expensive and these diapers have made things even more expensive but we tried a few brands including cloth and these are absolutely the best we found.


"Cart's answer describes well one aspects of puts: protective puts; which means using puts as insurance against a decline in the price of shares that you own.  That's a popular use of puts.  But I think the wording of your question is angling for another strategy: Writing puts. Consider: Cart's strategy refers to the buyer of a put.  But, on the transaction's other side is a seller of the put – and ultimately somebody created or wrote that put contract in the first place!  That first seller of the put – that is, the seller that isn't just selling one they themselves bought – is the put writer. When you write a put, you are taking on the obligation to buy the other side's stock at the put exercise price if the stock price falls below that exercise price by the expiry date.  For taking on the obligation, you receive a premium, like how an insurance company charges a premium to insure against a loss. Example:  Imagine ABC Co. stock is trading at $25.00.  You write a put contract agreeing to buy 100 shares of ABC at $20.00 per share (the exercise price) by a given expiration date.  Say you receive $2.00/share premium from the put buyer.  You now have the obligation to purchase the shares from the put buyer in the event they are below $20.00 per share when the option expires – or, technically any time before then, if the buyer chooses to exercise the option early. Assuming no early assignment, one of two things will happen at the option expiration date: ABC trades at or above $20.00 per share. In this case, the put option will expire worthless in the hands of the put buyer.  You will have pocketed the $200 and be absolved from your obligation.  This case, where ABC trades above the exercise price, is the maximum profit potential. ABC trades below $20.00 per share.  In this case, the put option will be assigned and you'll need to fork over $2000 to the put buyer in exchange for his 100 ABC shares.  If those shares are worth less than $18.00 in the market, then you've suffered a loss to the extent they are below that price (times 100), because remember – you pocketed $200 premium in the first place.  If the shares are between $18.00 to $20.00, you're still profitable, but not to the full extent of the premium received. You can see that by having written a put it's possible to acquire ABC stock at a price lower than the market price – because you received some premium in the process of writing your put.  If you don't ""succeed"" in acquiring shares on your first write (because the shares didn't get below the exercise price), you can continue to write puts and collect premium until you do get assigned. I have read the book ""Money for Nothing (And Your Stocks for FREE!)"" by Canadian author Derek Foster.  Despite the flashy title, the book essentially describes Derek's strategy for writing puts against dividend-paying value stocks he would love to own.  Derek picks quality companies that pay a dividend, and uses put writing to get in at lower-than-market prices.  Four Pillars reviewed the book and interviewed Derek Foster: Money for Nothing: Book Review and Interview with Derek Foster. Writing puts entails risk.  If the stock price drops to zero then you'll end up paying the put exercise price to acquire worthless shares!  So your down-side can easily be multiples of the premium collected.  Don't do this until and unless you understand exactly how this works.  It's advanced. Note also that your broker isn't likely to permit you to write puts without having sufficient cash or margin in your account to cover the case where you are forced to buy the stock.  You're better off having cash to secure your put buys, otherwise you may be forced into leverage (borrowing) when assigned.  Additional Resources: The Montreal Exchange options guide (PDF) that Cart already linked to is an excellent free resource for learning about options.  Refer to page 39, ""Writing secured put options"", for the strategy above. Other major options exchanges and organizations also provide high-quality free learning material:"


Debit cards do not earn the bank any interest from you whereas credit cards do, so they want to give incentive to use credit over debit.


"I have never double-answered till now.  This loan can't be taken out of context. By the way, how much is it? What rate? ""Debt bad."" Really? Line the debt up. This is the highest debt you have. But, you work for a company that offers a generous match, i.e. the match to your 401(k). Now, it's a choice, pay off 6% debt or deposit that money to get an immediate 100% return.  Your question has validity. In the end, we can tell you when to pay off the debt. After - The issue is that you are quoting a third party without having the discussion or ever being privy to it. In court, this is called 'hearsay.' The best we can do is offer both sides of the issue and priority for the payments. Welcome to Money.SE, nice first question."


The stock market in general likes monetary easing. With lower interest rates and easy cheap money freely available, companies can borrow at reduced cost thus improving profits. As profits increase share prices generally follow. So as John Benson said Quantitative Easing usually has a positive effect on stocks. The recent negativity in the stock markets was partly due to the possibility of QE ending and interest rates being raised in the future.


Bank runs very complex software to detect suspicious activity - terrorism financing, money laundering, etc. How would a program know that some person's activity is suspicious? It uses a set of rules. That set might be imperfect (that likely was not intended) - there might be some rule that triggers a warning on your account dominating the fact you've been with them for 15 years. So it's highly likely that an imperfect program triggered a warning on your account and the bank employer didn't dismiss it.


> When you consider how many successful business men and women, who never finished college, the stories of experience beating out education in hiring    Yes, the Bill Gateses and Mark Zuckerbergs of the world will get the spotlight for beating the odds. Even in Bill's day, those odds weren't that hard to beat. But in today's economy, you *really* don't want to play the odds with the exception of maybe trades jobs that don't require degrees.


Tulip madness was likely a result of an expansion of money supply. Dutch govt initiated a subsidy program of gold minting before the bubble, attracting a lot of money into country and expanding the money supply(despite being on gold standard). See Doug French's free book on mises.org on this.  Similar stuff happened in Spain when the american gold hauls were imported.  And it matches the idea - banking system getting money first creates illusion of more credit being available than what savers are actually putting aside so the seeds for an unsustainable bubble are sewn.


Am I required to send form 1099 to non-US citizens who are not even residing in the US? Since they're not required to file US taxes, do I still have to send the form to them? That's tricky. You need to get W8/W9 from them, and act accordingly. You may need to withhold 30% (or different percentage, depending on tax treaty they claim on W8). If you withhold taxes, you also need to file form 1042. I suggest you talk to a tax professional. Is it fine to expose my ITIN (taxpayer identification number) to   individuals or companies who I send the form to them. Since the form   requires me to write my TIN/EIN, what would be the risks of this and   what precautions should be taken to avoid inappropriate/illegal use? No, it is not OK. But if you pay these people directly - you don't have much choice, so deal with it. Get a good insurance for identity theft, and don't transact with people you don't trust. One alternative would be to pay through a payment processor (Paypal or credit cards) - see your next question. I send payments via PayPal and wire transfer. Should I send form   1099-MISC or 1099-K? Paypal is a corporation, so you don't need to send 1099 to Paypal. Whatever Paypal sends to others - it will issue the appropriate forms. Similarly if you use a credit card for payment. When you send money through Paypal - you don't send money directly to your business counterparts. You send money to Paypal.


If you havent yet maxed out your ISA, then its a no-brainer. You get excellent tax rebates and its silly not to take advantage of these before considering self investing in shares.   Note that even if your ISA is maxed out, the economic turbulence means that investing in individual stocks is an intimidating place for beginners right now.  The FSA is also looking at revising the average percentages used for pension, from 7% for adventurous investments, down to 5% or 6%, so there is industry wide recognition that on average the stock market is going to be a little less lucrative than it was a few years ago. Thats not to say you cant still make a whopping profit, but the chances of you doing so as a first time investor are remote to say the least. My advice would be to look seriously into some of the social lending sites, where you can still easily get a 7% return with minimal risk. Whilst I do have a portfolio which is performing well overall (I am a very speculative investor), I am moving a lot of funds into Zopa.com, as I am averaging 7% return with a lot less time, effort and risk than the stockmarket.  Whatever you decide, I think its time you thought about consulting an IFA. They can help you understand what sort of risk you are willing to tolerate, which is a very important aspect of investing.


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Generally value funds (particularly large value funds) will be the ones to pay dividends. You don't specifically need a High Dividend Yield fund in order to get a fund that pays dividends. Site likes vanguards can show you the dividends paid for mutual funds in the past to get an idea of what a fund would pay. Growth funds on the other hand don't generally pay dividends (or at least that's not their purpose). Instead, the company grows and become worth more. You earn money here because the company (or fund) you invested in is now worth more.  If you're saying you want a fund that pays dividends but is also a growth fund I'm sure there are some funds like that out there, you just have to look around


> They expected more. Anyone with Asian parents would understand.  Even though you're making a joke, yes, you're exactly right. Investors always speculate, and stock prices reflect expectations. Look at Tesla's stock. It's bleeding cash, yet its stock is flying high, because people think it is the future. There isn't even anything concrete to say that it will stay the market leader. Could happen, but no one knows for sure.


The bond will rank below depositors, so it's riskier than the savings account.  The savings account is very safe if you have less than £75,000 in accounts with the bank, as then it would be covered by the deposit guarantee Financial Services Compensation Scheme. Also note that bonds tend to have a fixed maturity whereas savings accounts usually let you get your money out at any time, perhaps with some notice.


Process of registering business helps to structure about your firm to be different that range in several states. The most essential thing for incorporating business is to create extra tax burden and keep record of the business with administrative details. How to incorporate business are explained in below content.  It will make ideal reason for vehicle and not contains any liability of shareholders.


While C/C's have 0% interest this a good mechanism to manage debt. But they expect you will pile up a large debt and at then of the interest free period you will get hammered. So plan your exit strategy.  Plan to pay off the 0% cards at the end of the int free period and pay the other cards down. Alternatively, What you could do is pay off the other cards now by drawing down on the 0% card if its possible. Then.all your debt is at 0% int. Also you are consolidating your debt into 1 account. When the int free period is over move the debt into a single personal loan if you don't plan on paying it all off immrdiatley In the meantime put you savings into an interest bearing account to maximize the value of your savings.


I have the PDF of Wells Fargo bank sent by my client which also quotes the SWIFT Confirmation #.  This is just the internal reference maybe from SWIFT terminal. It just means SWIFT received the message. Nothing more. What may have happened ? It could have got stuck somewhere in correspondent Bank chain. Or may have reached ICICI NY and they are not able to apply funds to your account in the ICICI India branch for whatever reasons. What are my next steps here ?  You would need to do 2 things; First contact your ICICI bank branch with this details and ask them if they can trace it for you. Second contact your client and ask them to raise a BCNR [Beneficiary Claims Non Receipt] for this transaction with Wells Fargo. Wells Fargo is bound to investigate this. Depending on your Clients relationship with Wells Fargo, there maybe charges of around 30-50 USD. This would trace the payment via Wells Fargo to the next in chain and can identify where it was stuck or when it was credited. What more information should I ask for The information in confirmation is quite less. Talk to your client and see if you are request for Sender Reference Number [This is preserved from Wells Fargo to your ICICI bank], BIC of Wells Fargo, Immediate routing [or sender Correspondent]; i.e. which Bank the payment was sent to [Wells Fargo may send it to other Bank and then it would reach ICICI]


When you pay cash for a car, you don't always necessarily need to pay cash. You just aren't using credit or a loan is all. A few options you have are: Obviously no dealer expects anyone to just have the cash laying around for a car worth a few thousand dollars, nor would you bother going to your bank or credit union for the cash. You can simply get a cashier's check made out for the amount. Note that dealers may not accept personal checks as they may bounce.  After negotiations at the dealer, you would explain you're paying cash, likely pay a deposit (depending on the price of the car, but $500 would probably be enough. Again, the deposit can be a check or bank deposit), and then come back later on with a cashier's check, or deposit into a bank account. You would be able to do this later that day or within a few days, but since you've purchased a new car you would probably want to return ASAP!


Honestly,  I've shopped at both and found Market Basket to be better. The produce usually seems fresher. If you want to rely on it for one stop shopping, the selection at MB is broader, just because the stores are bigger and carry more name brands, and more constant. If you're in New England, a better comparison to Aldi might be Price Rite.


This is a very interesting question. I'm going to attempt to answer it. Use debt to leverage investment. Historically, stock markets have returned 10% p.a., so today when interest rates are very low, and depending on which country you live in, you could theoretically borrow money at a very low interest rate and earn 10% p.a., pocketing the difference. This can be done through an ETF, mutual funds and other investment instruments. Make sure you have enough cash flow to cover the interest payments! Similar to the concept of acid ratio for companies, you should have slightly more than enough liquid funds to meet the monthly payments. Naturally, this strategy only works when interest rates are low. After that, you'll have to think of other ideas. However, IMO the Fed seems to be heading towards QE3 so we might be seeing a prolonged period of low interest rates, so borrowing seems like a sensible option now. Since the movements of interest rates are political in nature, monitoring this should be quite simple. It depends on you. Since interest rates are the opportunity cost of spending money, the lower the interest rates, the lower the opportunity costs of using money now and repaying it later. Interest rates are a market mechanism so that people who prefer to spend later can lend to people who prefer to spend now for the price of interest. *Disclaimer: Historically stocks have returned 10% p.a., but that doesn't mean this trend will continue indefinitely as we have seen fixed income outperform stocks in the recent past.


You should find the certified and good condition used car dealer in Johor. You can trust  with great deals. Buy the second hand cars at best prices. Masai Auto City is one of the  most place in Johor Bahru. We have several branches that provide used car and also known as johor used car. Here, you save the money and time. We offer you active car. You can get benifits here and also check out the cars before buying. Whatever you want cars, you can select  here such as Ford, Hyundai, Nissan, Toyoto.


Maybe they don't make much, but they make some for sure.  In addition to what duffbeer703 says, they also have a warm body at the end of the line and will sell your contact info (or at least access to your eyeballs) to marketers.  They stuff advertisements into your bill for example. If nothing else, you are brand value for them as they can convince merchants (who get charged monthly) that X billion people carry their card and that merchant would be missing out on sales by not accepting their product. If you have a rewards card that pays you for using it, the merchant has higher corresponding fees.


Your bank doesn't care about your immigration status, it cares about your tax status. You're a US tax resident and will open a US-resident account, not an international account (regardless of where the money comes from).


"This is the best tl;dr I could make, [original](http://www.france24.com/en/20170601-us-car-sales-struggle-may-despite-record-discounts) reduced by 77%. (I'm a bot) ***** > Auto makers offered big discounts over the Memorial Day holiday, but the response from US car buyers in May was not enough to definitively reverse months of sales declines.  > After seven years of gains, there were further signs that US car sales have plateaued, analysts said, as monthly sales data suggested a mixed picture amid heavy incentives to lure buyers into showrooms, even as truck and SUV sales surged.  > The biggest US car maker, GM, saw its sales fall 1.3 percent last month compared to the same period a year earlier.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6eqkaa/auto_makers_offered_big_discounts_over_the/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~134307 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **sales**^#1 **percent**^#2 **car**^#3 **truck**^#4 **consumer**^#5"


I'm sure that'll help women; you don't have to *earn* this board seat, we're just giving it to you because we need votes our way.   Ridiculous and very surprising from such a large asset manager who should know maybe a thing or two about statistics and merits.


Currently the credit history are not International but are local. Many countries don't have a concept of credit history yet.   Having said that, if you are moving to US, depending on your history in your country, you can ask the same bank to provide you with a card and then start building history. For example in India I had a card with Citi Bank and when I moved to US for a short period, I was given a card based on my India Card, with equivalent credit in USD. If you are moving often internationally, it would make sense to Bank with a leading bank that provide services in geographies of your interest [Citi, HSBC, etc] and then in a new country approach these institutions to get you some starting credit for you to build a history.


If you think that your parents' home is in danger, you might want to check what it would take to make sure their house is safe, and what the financial situation actually is. You are paying rent, there are brothers who may or may not be paying rent. We don't have the information, you have. Saving that house might be a worthwhile investment.  I assume that if you moved out, either rented or by buying a house, they wouldn't get any rent from you anymore and whatever the situation is, it would be much worse.


It's a question of values.  If we are concerned about high taxes some people are asked to pay in support of their government, a government that supports the community that provides the wealth gathered by the rich, should we also be concerned about the high payments asked of the community for basic living?


"As opposed to soybean processing?  That uses hexane, a known neurotoxin that leaves it's residue in the final product?  An analysis was done over the health and nutritional impact of ""pink slime""  It was deemed perfectly safe if processed according to guidelines:  https://www.livescience.com/36367-pink-slime-bad-health-beef.html  It was an irresponsible, bullshit, sensationalist story because some people found it icky."


"If there's one thing the futures markets don't lack, it's leverage. It's more than even most of the most aggressive investors use.  Trading options might make more sense for some investors, but I can't think of how this would be ""a safer way"" compared to owning actual futures contracts, even at relatively high leverage."


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Seriously, you will buy a bicycle for your child on-line? And if the child said it's not what they wanted or does not fit, you will disassemble it and put in the box and return it to try another bicycle?  Same with ride-in electric car? Playground? Sand for the sandbox?  Base on what you are saying, you never ever go to a store to buy anything. You will even order milk on-line.


"replace ""new member acquisition"" with ""new loans"" and see how true your statement isn't.  ...but more fundamentally, there are two factors that exclude banks from ponzi scheme membership:  1 - the thing they create is not in finite supply (they create money at a 10 to 1 rate by encumbering future labor proceeds).  Technically, one could argue that future labor proceeds *are* the thing that does have a finite supply.  I've never seen **anyone** post an estimate of the maximum supply of future labor proceeds (which is totally adjustable via inflation).  2 - they lend at a higher interest rate than they pay.  Technically, all they have to do is keep the time value of money under control with respect of inflation over the duration of loans and they're good."


H1B visas are not terrible, and I am not against all H1B visas. However, it is a bald faced lie to suggest the number 1, if not only, reason companies use them is to cut labor costs. These companies are not advertising they could have hired local talent, but chose to provide the job to someone from a poorer region.  I think whatever city everybody in the world wants to work or go to school, like Tokyo or London or Paris or Boston, that is going to have the world's best talent. Also, if those people go back to their homelands, they don't bring with them the ideas from the city they worked or matriculated, but rather the best ideas from all over the world.  That isn't at all what is happening in technology. There are plenty of computer science and electrical engineer majors in the USA out of work, and some making six figures with a BS degree and 3 years experience, but so many are out of work. Many of those jobs were outsourced, but the talent used was so poor, the cost to upkeep or update was so expensive, that many companies brought back the jobs to the USA. Those companies still want to hire the same low cost workers, but want them working in the USA for reasons I will spare, here. The USA talent pool is so full, and jobs so scarce, it drives down wages; not actually, because what really happens in the company is toxic to work for, and demands 16 hour days, 7 days a week, for the same great salary that may have once been 40 hours a week with fun puzzles and entertainment and space and a gym on site, etc.  Stopping H1B visas would force companies to bring back their on site gyms, large break rooms, increase work life balance, etc.  Stopping H1B visas mean a lot of billion dollar tech companies would have to pay their shareholders and executives *less* this year than last year, which is outrageous in the **race to the bottom**


This guy was a total fraud, a demagogue. Now he's in, and guess what, woops, I lied, oh well, so sue me. Now he's president and not much of anything most people can do about it beyond demand that their non-representatives in congress impeach the guy, which seems like a train that is never going to come.


Again, you assume that I am going to go on a killing spree because I could care less that a turkey, which we are going to eat, is not treated nicely.  Are you kidding me?  You have no idea about me as a person, nor my station in life, yet you make assumptions based on the fact that I would rather devote my time to something that actually matters.


Take them to small claims court or just forget about it.


*Finally,* a safe way to milk poor stupid people without crashing the economy. I just can't work out how you double down and recover the losses from the taxpayer though? Somehow you need to shift the debt onto an industry or entity that is critical and can't be allowed to collapse. I'd love to know what the end game is.


We might not find it immediately worth it, but the market for such high labor only exists because we give it that market. On the surface, we all claim we would rather work half as much if it means not advancing any further. Yet we all throw money at the economy in a way that makes it want to keep working us to death to innovate.  You ever wonder why you have to work so much, it's because this much labor is needed to sustain the demands of the people who want more production, more advancement, more things created. When you buy an iPhone X, you are telling Apple that you want them to continue hiring more people to work long hours to create better and nicer phones. When you pay more money for nicer houses instead of average houses you are telling construction companies to get more hours of labor from their workers to build you nicer things. When you buy the newest model of a car, you are telling those car companies that you want them to keep innovating and building new shit instead of halving their worker hours and making the same old cars with the same old factories.  Who is it really that is demanding all this production and labor? It's us. We are the ones that make it impossible to work 2-3 days a week and be okay, because we've convinced ourselves that we have to keep pushing forward.


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"Tell me a better way to express the concept of synergy, please. And ROI. Deal with it? Manage expectations? Scalability? A deliverable?  They're cliches because they represent a very real and necessary concept in business. They can be misused, but so can ""like"". And, again, some of the examples in the article are retarded."


"Its called propaganda. This ""user"" is a freaking bot that keeps posting anti-trump threads.   Take a look, the ""user"" has over 7,000 karma and 0 comment karma. They don't even try...  It has posted over 500 different threads in the 2 months it has been active, without making a single comment. Take a look at what all the threads are about, I'm sure you will be shocked. its probably a bot for /u/postnationalism as he loves to spam with propaganda and fake news articles too. He is probably a bought account turned to a bot too!  This sub has turned to garbage."


> Why would the executives take accept a salary at 80% of the market wage when they could just get a job at 100% of the market wage.  This may be true for managers, but research has found little to no evidence of a relationship between executive pay and performance.  There is no market for executives.  They're all on each others boards.  They get much of their pay in stock options, diluting the wealth of those shareholders you're fighting for, without telling shareholders how much they're costing them.


If you want to go far upstream, you can get mutual fund NAV and dividend data from the Nasdaq Mutual Fund Quotation Service (MFQS). This isn't for end-users but rather is offered as a part of the regulatory framework. Not surprisingly, there is a fee for data access. From Nasdaq's MFQS specifications page: To promote market transparency, Nasdaq operates the Mutual Fund Quotation Service (MFQS). MFQS is designed to facilitate the collection and dissemination of daily price, dividends and capital distributions data for mutual funds, money market funds, unit investment trusts (UITs), annuities and structured products.


im shorting stocks and gold.  the only way stocks and gold can go up is coz of QE3.   if no QE3, then im shorting gold and stocks.  but more gold than stocks.   and i'm holding cold hard US FIAT dollars in my mattress.    i'm letting my mattress manage my cash, nah' mean.


"I meant he is an anti American corporate left wing propaganda mogul with access to more personal information than we can even imagine.   He is an obstructionist and nothing more. There are many examples of facebook censoring right wing groups and deleting memes/posts. His campaign to fight ""fake news"" is just an attack on all speech that isn't authoritarian left."


Your best bet is probably to find friends who are willing to pay you to order stuff for them. Or to use it to buy gift certificates at an online vendor, and either give those as gifts or find friends who'd be willing to buy them from you.


Step 1: Get a part-time job in sales.  Perhaps selling appliances at Sears. Step 2: If you are great at that, then look into becoming a stock broker/investment adviser in Boise ... which is a sales job.   Step 3: If you are great at that, then you might be able to become a portfolio manager, perhaps a hedge fund manager for the clients you collected as a stock broker/ investment consultant.   That seems to be the steps I have seen from reading the bios of a number of professional investors.   The other method seems to be an MBA from a top 10 business school.


Compared with a Sole Proprietorship, the main disadvantages of an S-Corporation or an LLC are that it adds a lot of management overhead (time, and possibly money if you don't do it all yourself), and there are fees you must pay to incorporate, as well as additional yearly maintenance fees which vary by state. You should be able to weigh the tax savings and liability protection against the extra costs and hassle, and see which way the scales tip. As a rule of thumb, the bigger your business gets or the more income you make, the more attractive incorporating becomes. Note there are some additional taxes that certain jurisdictions impose on business income. For example, IL and CA charge 1.5% tax, NY is less, but NYC is 8.85%! In NYC specifically, you could actually end up paying slightly more tax as an S-Corp than you would as a Sole Proprietorship. In most places though, the nominal local taxes will still be less than the FICA taxes you could potentially save.


There are several things being mixed up in the questions being asked. The expense ratio charged by the mutual fund is built into the NAV per share of the fund, and you do not see the charge explicitly  mentioned as a deduction  on your 401k statement (or in the statement received from the mutual fund in a non-401k situation). The expense ratio is listed in the fund's prospectus, and should also have been made available to you in the literature about the new 401k plan that your employer is setting up. Mutual fund fees (for things like having a small balance, or for that matter, sales charges if any of the funds in the 401k are load funds, God forbid) are different. Some load mutual funds waive  the sales charge load for 401k participants, while some may not. Actually, it all depends on how hard the employer negotiates with the 401k administration company who handles all the paperwork and the mutual fund company with which the 401k administration company negotiates.  (In the 1980s, Fidelity Magellan (3% sales load) was a hot fund, but my employer managed to get it as an option in our plan with no sales load: it helped that my employer was large and could twist arms more easily than a mom-and-pop outfit or Solo 401k plan could). A long long time ago in a galaxy far far away, my first ever IRA contribution of $2000 into a  no-load mutual fund resulted in a $25 annual maintenance fee, but the law allowed the payment of this fee separately from the $2000 if the IRA owner wished to do so. (If not, the $25 would reduce the IRA balance (and no, this did  not count as a premature distribution from the IRA). Plan expenses are what the 401k administration company charges the employer for running the plan (and these expenses are not necessarily peanuts; a 401k plan is not something that needs just a spreadsheet -- there is lots of other paperwork that the employee never gets to see). In some cases, the employer pays the entire expense as a cost of doing business; in other cases, part is paid by the employer and the rest is passed on to the employees.  As far as I know, there is no mechanism for the employee to pay these expenses outside the 401k plan (that is, these expenses are (visibly) deducted from the 401k plan balance). Finally, with regard to the question asked: how are plan fees divided among the investment options? I don't believe that anyone other than the 401k plan administrator or the employer can answer this. Even if the employer simply adopts one of the pre-packaged plans offered by a big 401k administrator (many brokerages and mutual fund companies offer these), the exact numbers depend on which pre-packaged plan has been chosen. (I do think the answers the OP has received are rubbish).


The only way to hedge a position is to take on a countervailing position with a higher multiplier as any counter position such as a 1:1 inverse ETF will merely cancel out the ETF it is meant to hedge yielding a negative return roughly in the amount of fees & slippage. For true risk-aversion, continually selling the shortest term available covered calls is the only free lunch.  A suboptimal version, the CBOE BuyWrite Index, has outperformed its underlying with lower volatility. The second best way is to continually hedge positions with long puts, but this can become very tax-complicated since the hedged positions need to be rebalanced continually and expensive depending on option liquidity. The ideal, assuming no taxes and infinite liquidity, is to sell covered calls when implied volatility is high and buy puts when implied volatility is low.


I was being sarcastic in response to you saying that hyperinflation happens every 30-50 years in a finance subreddit.. where the second lesson (right after time value of money) is that past results in general tell us nothing about the future.


Do not do investing with a bank.  Do investing with a low cost investment company like Vanguard, Fidelity, or Charles Schwab.  The lower the expenses of the fund the better. The additional money your account earns because of lower overhead expenses is so dramatic over the course of your investing it is mind boggling to me.   The lower the expenses, the more of your money you keep, which feeds the power of compound interest. http://www.fool.com/investing/mutual-funds/2008/09/03/this-fund-charges-what.aspx


I get trying to attract companies, but then you get such a huge company in a smallish city or town, it completely dominates it. I have no idea why you would want that.   Look at the Nestle bullshit in Canada, they are clearly breaking the law, but the towns are so reliant on Nestle for tax revenue and jobs, they are literally powerless.  Small towns should do everything to discourage super large companies from setting up a head quarters in their towns.   The companies will have too much power.


"This is colloquially referred to as a ""pump and dump"" scheme. You basically buy up some stock, and then try to pump up the demand through false and misleading positive statements and market activity. You then close your position once market interest is sufficiently high. If your firm has access to high frequency trading mechanisms, you may even be able to front run other market participants attracted by your buying activities.  >I am wondering what is the best route to go down.  Definitely micro-cap stocks. Things listed on the OTC markets, especially penny stocks, have this tendency to attract retail buyers just begging to be scammed. Emerging biotech firms also have a lot of potential due to investors' hopes of successful clinical trials.  I should warn you though, this is very illegal and falls under market manipulation [according to the SEC](https://www.sec.gov/fast-answers/answerspumpdumphtm.html) and can lead to up to 25 years in prison. So make sure you stay small enough to avoid the regulatory radar.  (But seriously, this belongs in r/personalfinance or elsewhere, r/finance isn't the sub you want)."


Stuart MacFarlane Jungian Analyst Stuart MacFarlane is a seasoned therapist with well over 30 years of experience in the field of psychology. He specializes in the treatment of psychological dilemmas and disorders that include depression, bipolar disorder, bereavement, anxiety, addiction and relationship counseling.


What I should have done in the first place was just ask them.  From their customer support team: Thanks for writing in and for your interest in Square. It is perfectly acceptable to use Square for personal business, such as a yard sale. You do not need to have a registered business to take advantage of Square and the ability to accept credit cards. Just please note that it is against our Terms of Service to process prepaid cards, gift cards or your own credit card using your own Square account. Additionally, you may not use Square as a money transfer system. For every payment processed through Square, you must provide a legitimate good or service. Please let me know if you have any additional concerns.


I've done this, but on the other side.  I purchased a commercial property from someone I had a previous relationship with.  A traditional bank wouldn't loan me the money, but the owner was willing to finance it.  All of the payments went through a professional escrow company.  In our case it was a company called Westar, but I'm sure there are plenty out here. They basically serve as the middle-man, for a fee (something like $5 a payment, plus something to set it up).  They have the terms of the loan, and keep track of balances, can handle extra principle payments and what that does to the term of the loan, etc.   You want to have a typical mortgage note that is recorded with the local clerk's office.  If you look around, you should be able to find a real estate lawyer who can set all this up for you.  It will cost you a bit up front, but it is worth it to do this right. As far as taxes, my understanding is that the property itself is taxed the same as any other property transfer.  You would owe taxes on the difference between the value of the property when you inherited it and when you sold it.  The interest you get from the loan would be taxed as regular income.  The escrow company should send you tax forms every year listing the amount of interest that you received.  There are also deductions you can take for expenses in the process.


I HATE Best Buy.   Things might have changed because I don't think I have been in one for almost 2 years but I don't like overload and Best Buy is overload.  Overload in every way.   - You walk in and someone is right in your face.  - There are about 7,000 TVs and 14,000 different other screens shooting shit at your face with so much sound in the background I feel like I'm at an arcade.  - Employees are trying to sell you DVDs (*who even buys those anymore?*) and magazines or whatever rando shit they are pushing that week.   I fucking hate that place. It's like the worst retail experience I could imagine. There is nothing enjoyable about it at all. The last few times I've been have been to grab a cord or something I really need and I'm like some shell shocked Vietnam vet. I brace myself and run in as fast as possible grab whatever looks right and make a dash for the cash registers.


I'm looking for ways to geared to save for retirement, not general investment. Many mutual fund companies offer a range of target retirement funds for different retirement dates (usually in increments of 5 years). These are funds of funds, that is, a Target 2040 Fund, say, will be invested in five or six different stock and bond mutual funds offered by the same company. Over the years and as the target date approaches closer, the investment mix will change from extra weight given to stock mutual funds towards extra weight being given to bond mutual funds. The disadvantage to these funds is that the Target Fund charges its own expense ratio over and above the expense ratios charged by the mutual funds it invests in: you could do the same investments yourself (or pick your own mix and weighting of various funds) and save the extra expense ratio. However, over the years, as the Target Fund changes its mix, withdrawing money from the stock mutual funds and investing the proceeds into bond mutual funds, you do not have to pay taxes on the profits generated by these transactions except insofar as some part of the profits become distributions from the Target Fund itself. If you were doing the same transactions outside the Target Fund, you would be liable for taxes on the profits when you withdrew money from a stock fund and  invested the proceeds into the bond fund.


Hmmm... As far as I know wire transfers are still the best option. If you make sure your US account accepts international wires for free (like TD Bank does) you'll have eliminated most of the costs (assuming your foreign bank doesn't charge too much for wiring the funds in the first place). Also, if your able to, you could consider wiring 6 or so months at the same time. I'm not familiar with XE.com but it seems it's not set up for transferring money so much as for trading currencies. While you could probably use it to transfer funds if you'd link both your accounts it seems a rather complicated way to go about things. Paypal could be an option if they'd allow you to set up an account in each country (or if you have a relative that could help out), but it gets more expensive than wire-transfers quickly. As for getting the best exchange rate... I've given up on that a long time ago and have accepted that as the cost of living internationally :).


"Can you tell me please, is it really hard to make international wire transfer for payment my job and can i resolve this problem without using third party services? This is mostly a barrier, the form at times is quite complicated. For Russia, one has to enter ""Purpose of remittance"" ... at times select intermediate banks, give BIC and other details. This can become unnerving to people who are not used to it.  The other option you can try is set-up a credit card gateway and get funds via cards."


"You might try just asking him, in private. Don't accuse him of misbehaving, just ask how you can improve, which he'll probably tell you if there is some real reason.  ""Hey boss, I just wanted to take a minute to check in. I'm trying hard to do a great job. Do you have any suggestions on how I can be a better team member?"""


"Is he affiliated with the company charging this fee? If so, 1% is great. For him. You are correct, this is way too high. Whatever tax benefit this account provides is negated over a sufficiently long period of time. you need a different plan, and perhaps, a different friend. I see the ISA is similar to the US Roth account. Post tax money deposited, but growth and withdrawals tax free. (Someone correct, if I mis-read this). Consider - You deposit £10,000. 7.2% growth over 10 years and you'd have £20,000. Not quite, since 1% is taken each year, you have £18,250.  Here's what's crazy. When you realize you lost £1750 to fees, it's really 17.5% of the £10,000 your account would have grown absent those fees. In the US, our long term capital gain rate is 15%, so the fees after 10 years more than wipe out the benefit.  We are not supposed to recommend investments here, but it's safe to say there are ETFs (baskets of stocks reflecting an index, but trading like an individual stock) that have fees less than .1%.  The UK tag is appreciated, but your concern regarding fees is universal. Sorry for the long lecture, but ""1%, bad."""


>Amazon is always going to be pointless for screws and nails because you can't ship that economically. You can't do items like lumber, sheet rock, or concrete due to weight. You can never ship large items due to size.  Amazon appears to be aggressively buying retailers that have physical presence in many communities.  I would not put it past them to begin buying building supply companies that specialize in delivery of bulk building materials.


"In studying the great ""successes"" in business, it's clear that those who do the best have unlimited creative and business ideas, not just one idea, but many ideas all day long everyday.  No matter what you decide for your current idea, document (write down) your process of each step that you took from idea to inception and track one or two key metrics alongside, so your list would look like this:  1. Socialize idea, goal revenue $0, total cost $0, time 26 hours 2. monitor money invested, costs, and hours of your time 3. Brainstorm: What's the quickest way to have one paying client 4. How will I track my customers? 5. How will I connect and communicate with my customers? 6. And on and on.  From having an idea to implementation to even making money or a profit is quite simple, straightforward, and any book, mentor or online free content can show you how.  What is ""hard"" is maintaining motivation, stamina, and creativity for when REAL challenges come up, because they will!   Competition swoops in, in a way you that you (and the sage commenters at Reddit) couldn't have predicted, you are audited by the IRS and then owe way more in taxes than you expected from four years ago, you are sued for a small claims or worse, or you simply get bored or inspiration strikes in your heart on another great idea.  Problems like this require REAL and thoughtful ""creativity and implementation"" on demand, all day, everyday. This is what starting a business is really about. Tracking your steps means that you can easily and quickly review what you've done and backtrack or try another idea instead of wallowing in mistakes, missteps, or hard problems. It's really much harder than it sounds, but once you can invent more ideas to solve a problem than there are problems, you can overcome most challenges.  The framework is that, you want to start a business because it serves your customers, brings them enough value and delight to pay you, and you have a way to make a living yourself and/or sell eventually or have some ""exit strategy.""  You want an exit strategy so that your business doesn't become a poor paying ""job"" that you're a slave to. Because it does, and if it does, a job is way easier and makes you more money.  Write down each step of your business building process, track your costs, revenue, and time, and have fun.  Then, you have enough energy to ""pivot"" or change your ideas because you've set up a repeatable, improvable, process to run your next idea through with modifications along the way. You keep retrying your process for your ideas until your lifestyle is paid for (your salary) or something even greater monetarily."


Deposit check and send a personal check (resulting in tax and IRS reporting issues) That's a bad idea, unless maybe the check you're receiving is a certified bank draft. Suppose the insurance company are crooks and the check is fraudulent. It could take weeks or months for some investigation to catch up to that, long after your own personal check was cashed by the pharmacy. The bank will then put you on hook for the 20 grand by reversing the check, even though the funds had been deposited into your account. Do not put yourself into the position of a money handler; you don't have the cash base, insurance, government protection and whatever else that a bank has. And, of course, you're being a free money handler if you do that. (You're not even compensated for postage, time and whatnot). If you're handling money between two parties, you should collect a percentage, or else refuse. That percentage has to be in proportion to the risk, since cashing a check for someone carries a risk similar to (and is effectively a form of) making a loan.


I'll save you the years of trouble now. IB is bullshit now. It was good back in the day but not anymore. If you want to make money you have to go to a hedge fund, or trade for yourself (obviously you'll need capital)


Lol yeah tell that to all my teachers and professors over the years.   Anyway, your line of reasoning doesn't necessitate CEOs stick around long. Also it's factually incorrect based on all the google studies you still haven't looked at.


The last thing I bought there was a barbecue for my dad.  I needed two accessories that were on display with it as well, but they didn't carry them instore.  So I had to go online to order them... from two different places.  And one of the part numbers I was given didn't match anything, so I had to call on the phone and spend about 15 minutes with someone figuring it out.  It was a less than stellar experience.


If that's the case then fine - I always skip the lowest end of bookings (If price sorted) after too many bad experiences. I'll pay 20 extra if it's got better quality/reviews so if they want to rank those top for me by default they've just scored a new customer!


You can find great deals and the forums are full of other information.  I also have found when I need to find a deal on something, you can ask or find others on the forums for help. http://slickdeals.net/


If you have coins that came from a known silk road tumbler, it'd be difficult to cash out large amounts.  A little bit here and there you might get away with but if you want to run your operation on bitcoin you have to go through a lot of precautions. Bitcoin on its own doesn't let you easily avoid the law.  Bitcoin exchanges follow aml/kyc so you'd be a fool to use them with criminal activities.


"I worked for a major car rental company (not Hertz, but comparable) for quite a while, taking reservations by phone. I completely agree that the reservation system is terrible, and is only vaguely based on the reality of their vehicles in stock at best. The problem is, from a strictly business perspective, taking more reservations than they have cars is currently considered the most profitable model for them.  To play devil's advocate just a little, switching to a ""take only one reservation per vehicle, reserve it to 100% lock it in"" model is a bit more complicated than it sounds. In order to guarantee a specific car for a customer at a specific time, they either have to leave that car sitting on their lot until you rent it (not making money), or keep renting it out to other people in the interim. If they rent it out to someone else before your rental comes up, that removes the vehicle from their control. Bordering on constantly, renters don't return the vehicle within their promised schedule or return it in a damaged or otherwise unsuitable condition. To be clear I'm not trying to make excuses for the rental car company (there are many reasons I no longer work there), but it's objectively hard for them to get a specific vehicle if, say, all but one of them were in wrecks the previous night, and the person renting the last one drove it across the country without warning the rental office and refuses to come back. Those problems all get solved eventually, but that doesn't help you when you show up and can't get the car you reserved.  So, they continue to take excessive reservations, and just give people whatever they happen to have when they show up, if they have any cars at all.   There's definitely better ways to do it for the customer, but like many businesses, they'll continue to do it whatever way they determine is best for their profits.  Edit: Words."


Consider trailing stop losses maybe 5% below your profit target, if you want a simplistic answer.


If you had a time machine and could go back and tell yourself in 2005 that there would be a stretch coming up where the FFR would be held a 0% for (at least) 6 solid years you would not have believed it.  No one would have believed it.  That would have been crazy loony toon talk.


The OTC market is a marketplace, the location it definitely relied on the purchaser marketplace. The OTC market is mostly used to exchange bonds among the two occasions and all this technique are executed by way of manner of the third celebration. They are able to also be used to alternate equity, such because of the OTC QX and purple marketplaces within the USA. The minamargroup is the Florida, USA situated agency, who elements their purchase investor relation with to present organization into  to make new ones.  OTC way it's far a protection traded in some context other, changing between  parties or groups inclusive of New York Stock trade.


Except for the fact that China is currently industrializing, urbanizing, and is seeing rapidly rising wages among its leading industrial zones.  The China of 1890-1911 was still run by the inept government that couldn't find its collective ass with all of the hands in China.  There is simply no comparison.


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"Here is where you missed it in that article:  "" The FCC is right to reject obsolete Ma Bell era regulation that denies this basic fact.""  Renders most of your reply moot. This is in fact stating for removal of NN. Its hidden among all of the anti-monopoly screaming. Cleverly I might add.   By the way its right above your highlighted line.    Edit: in case your not understanding it, those Title 2 ""ma bell"" regulations went into place in the 1930s I believe."


If any new taxes are levied on me, or my company, as our current President plans, I will have no choice but to reduce the size of this company,  Those are income taxes right? So like, he's not saying he will be forced to fire people to maintain a viable business, he's saying he'll have to fire people to maintain his level of profits.  Of course, less profit is still profit so he wouldn't *have* to fire people, he could keep running the business as it is and just make less money...but then how would he [build the biggest house in america??](http://www.imdb.com/title/tt2125666/)


"First of all, setting some basics: What is a sound way to measure the risk of each investment in order to compare them with each other ? There is no single way that can be used across all asset classes / risks. Generally speaking, you want to perform both a quantitative and qualitative assessment of risks that you identify.  Quantitative risk assessment may involve historical data and/or parametric or non-parametric models. Using historical data is often simple but may be hard in cases where the amount of data you have on a given event is low (e.g. risk of bust by investing in a cryptocurrency). Parametric and non-parametric risk quantification models exist (e.g. Value at Risk (VaR), Expected Shortfall (ES), etc) and abound but a lot of them are more complicated than necessary for an individual's requirements. Qualitative risk assessment is ""simply"" assessing the likelihood and severity of risks by using intuition, expert judgment (where that applies), etc. One may consult with outside parties (e.g. lawyers, accountants, bankers, etc) where their advisory may help highlighting some risks or understanding them better. To ease comparing investment opportunities, you may want to perform a risk assessment on categories of risks (e.g. investing in the stock market vs bond market). To compare between those categories, one should look at the whole picture (quantitative and qualitative) with their risk appetite in mind. Of course, after taking those macro decisions, you would need to further assess risks on more micro decisions (e.g. Microsoft or Google ?). You would then most likely end up with better comparatives as you would be comparing items similar in nature. Should I always consider the worst case scenario ? Because when I do that, I always can lose everything. Generally speaking, you want to consider everything so that you can perform a risk assessment and decide on your risk mitigating strategy (see Q4). By assessing the likelihood and severity of risks you may find that even in cases where you are comparatively as worse-off (e.g. in case of complete bust), the likelihood may differ. For example, keeping gold in a personal stash at home vs your employer going bankrupt if you are working for a large firm. Do note that you want to compare risks (both likelihood and severity) after any risk mitigation strategy you may want to put in place (e.g. maybe putting your gold in a safety box in a secure bank would make the likelihood of losing your gold essentially null). Is there a way to estimate the probability of such events, better than intuition ? Estimating probability or likelihood is largely dependent on data on hand and your capacity to model events. For most practical purposes of an individual, modelling would be way off in terms of reward-benefits. You may therefore want to simply research on past events and assign them a 1-5 (1 being very low, 5 being very high) risk rating based on your assessment of the likelihood. For example, you may assign a 1 on your employer going bankrupt and a 2 or 3 on being burglarized. This is only slightly better than intuition but has the merit of being based on data (e.g. frequency of burglary in your neighborhood). Should I only consider more probable outcomes and have a plan for them if they occur? This depends largely on your risk appetite. The more risk averse you are, the more thorough you will want to be in identifying, tracking and mitigating risks. For the risks that you have identified as relevant, or of concern, you may opt to establish a risk mitigating strategy, which is conventionally one of accepting, sharing (by taking insurance, for example), avoiding and reducing. It may not be possible to share or reduce some risks, especially for individuals, and so often the response will be either to accept or avoid the given risks by opting in or out on an opportunity."


"Read again what I said in my original post.  ""Enterprise Value is the sort of ""bare bones"" total firm value. It doesn't include any cash because you'd basically be paying cash for cash. Also, this makes analysis of transaction multiples more streamlined, as some firms may have a ton of excess cash on their balance sheet, skewing multiples.""  I said that that is WHY we use enterprise value. Because if you didn't it would skew multiples."


The fund should be reporting returns net of expenses, so your interpretation is right; it made something like 0.42% (which sounds plausible, based on current yields on short-term securities), and the 0.05% is what's left after expenses. I've never seen a regular mutual fund report raw returns before expenses.  If one does, the my personal opinion would be that they're trying to snooker you, as that number isn't actually representative of anybody's actual returns.   If you look carefully, you should be able to find a table that reports several kinds of adjusted returns for the fund: As to what happens if a fund can't earn enough returns to cover its expenses, in that case the value of the fund shares will decrease.  This happens from time to time with riskier funds.  It shouldn't happen with a money market fund because both the returns and the expenses are fairly predictable, so the fund managers should be able to avoid it, unless they get caught up in a major crisis like the 2008 banking crisis.  In ordinary times, a money market fund managers who couldn't keep expenses below income would find themselves looking for a new job fairly quickly. Finally, for what it's worth, 0.37% is a really high expense ratio for a money market fund.  If you were to shop around, you could easily find comparable funds with expenses less than half that.


Your best bet is to remove the excess contribution. Your broker should have forms to do that. There is a 6% tax on the excess contributions for each year that it remains uncorrected. It would be better to just eat the $25 fee and get rid of any future headaches.


"Yes it is possible, the Google Summer of Code students have been doing so for years. They get a Prepaid card and then can spend that in there local countries. They have the billing address as Google and the shipping address as their own. A few retailers have trouble but that just their systems. The trouble people have had is more in transferring the money to their personal accounts, usually there is a charge on this transfer. Transfer money from US (""prepaid"") VISA Debit to AU bank account"


While I've never used the service, there's also Amazon Flexible Payments Services (AFPS): (emphasis below is mine) Amazon Flexible Payments ServiceTM   (Amazon FPS) is the first payments   service designed from the ground up   for developers. It is built on top of   Amazon’s reliable and scalable   payments infrastructure and provides   developers with a convenient way to   charge Amazon’s tens of millions of   customers (with their permission, of   course!). Amazon customers can pay   using the same login credentials,   shipping address and payment   information they already have on file   with Amazon. [...] Considering Amazon.com is an e-commerce heavyweight, it might be worth a look.


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-09-28/more-americans-are-falling-behind-on-student-loans-and-nobody-quite-knows-why) reduced by 88%. (I'm a bot) ***** > By. More student debtors are falling behind on their federal student loans, after three years of declines in late payments-and with no clear explanation, experts aren&#039;t sure whether to take it as a sign of distress or a temporary blip.  > Michael Tarkan, who tracks student debt as director of research at Washington-based Compass Point Research & Trading, offered three other possibilities for why more borrowers are falling behind.  > In recent years, companies like Social Finance Inc., known as SoFi, have been making new student loans to high-earning Americans with sterling credit to pay off their federal student debt.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/73bb2m/now_here_is_an_example_of_someone_that_is_really/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~219224 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*: **year**^#1 **borrowers**^#2 **loan**^#3 **student**^#4 **Department**^#5"


I would look for an alternative wire transfer service that will charge less. I use ofx, but note that they don't do transfers to roubles. The rate adjusts by amount being transferred and there is a $15 fee for under $5000. Upside is it is bank-to-bank. 2 days tops.