"Traditional brokers There are tons of players in this market, especially in USA. You have traditional brokers, brokers tied to your bank and a bunch of startups. The easiest is probably a broker tied to your bank, because you probably don't have to wait to fund your brokerage account and can start trading immediately. Often the older/traditional brokers don't have very intuitive interfaces, it's the startups who do a better job at this. But honestly it doesn't really matter, because you can use reporting services that are different from the services you use to execute your trades. Meaning that you only use the interface of your broker to execute trades (buy or sell), and use third party services to monitor your holdings. Monitoring services: Google Finance, Yahoo Finance, Sigfig, Morningstar,... are services allowing you to monitor your holdings. But you can't execute trades with them. Start-ups: Then there are a bunch of startups that offer investment services besides the traditional brokers. Start-up > Robinhood The most ambitious one is Robinhood, which offers the same service as a traditional broker, but completely free (most of the traditional brokers charge a flat fee and/or percentage when buying/selling hodlings) and with an intuitive interface. They're mobile first, but announced they will be launching their service on the web soon. Start-up > Acorns Another popular, mobile-first start-up is Acorns. They offer a lazy-investing service which rounds your everyday purchases and uses the change to invest. It's great when investing is not on your mind, but you still want to invest without realizing it. Start-ups > Robo-advisors Robo-advisors auto-invest your money across a bunch of funds picked based on your risk profile. Because the robo-advisers are fairly new, they often have the most intuitive interfaces. These robo-advisors often don't allow you to pick individual holdings, so these services are best when you want to passively invest. Meaning you don't want to look at it very often, and let them do the investing for you. There are tons of robo-advisor start-ups: Betterment, Wealthfront, Personal Capital, Sigfig, FutureAdvisor,... Also bigger parties jumped on this trend with their offerings: Schwab Intelligent Portfolios, Ally Managed Portfolio, Vanguard Personal Advisor, etc. Summary: It's fun to pick individual stocks, but if you start out it can be overwhelming. Robinhood is probably the best start, they have reduced functionality, but gets you going with an attractive interface. But soon you'll realize it's extremely hard to beat the market. Meaning that hand-picking stocks statistically gives you a worse return than just buying into the general stock market (like S&P500). So you can decide to just buy one fund with a traditional broker that covers the general stock market. Or you can decide to try out one of the many robo-advisors. They haven't been around that long, so it's hard to tell how effective these are and whether they beat the market. If you're young, and you believe in start-ups (who often try to challenge the traditional players), try out one of the robo-advisors. If you want to play a bit and are addicted to your smartphone, try out Robinhood. If you are addicted to your phone, but don't want to check up on your investments all the time, go for Acorns. Of course you can combine all these. Lastly, there are tons of cryptocurrencies which might give you a large return. Tons of startups offer intuitive interfaces to trade cryptocurrencies like Coinbase, Gemini, Kraken. But beware, there is a lot of risk involved in trading cryptocurrencies, it's completely unregulated etc. But definitely check them out. Oh, and you can also invest by giving out loans through LendingClub, Prosper etc. Who can you trust? Above gives you an overview of your options intermingled with some reasoning. But regarding your question ""who can I trust"" in terms of advice, it's up to yourself. Most traditional broker services don't give you any advice at all, you're on your own. Robo-advisors don't give you advice either, but let their proprietary algorithm do the job. Are these reliable? Nobody can tell, they haven't been around long enough, and they need to go through a bear market (a crash) to see how they respond during rough times. Some robo-advisors offer you personal consultancy (I believe Sigfig and PersonalCapital) does this (limited to a few hours per year). But obviously they'll try to promote their robo-advisor services."


"> He did not say small businesses are outliers. He said there are outliers among small businesses.  No, what he's talking about are forums and other social sites that are too small to police all of the content their users post. He's saying that they are as guilty as the criminals you're speaking of.  At _best_, the man doesn't understand the areas of commerce that he's presuming to legislate over with his support for SESTA, and I dare say you don't understand them either. I, however, am an expert on the subject, and I know exactly what he's talking about. He's saying that Google and Facebook and similar large corporations are legitimate, and all ""independent"" or small business competitors to them are criminals.  This is black and white. You're either one of the good guys or you aren't. Small business and equal opportunity are what America has always been about. If you are an enemy to those ideals then you are an enemy of America."


Although I understand the gut reaction to feel that way, I disagree that women with ovarian cancer can't prove it was the talc.  The plaintiffs in these cases have accused Johnson and Johnson of deliberately covering up their own research showing a connection between repeated use of talc and an increase in ovarian cancer rates and the massive punitive damages awards in this recent case suggests the jury believed there was a cover up.  This recent study suggested a 33% increased risk.  https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4820665/#!po=79.8387.  Very much like the tobacco lawsuits, the crime is in the coverup.  Tobacco companies knew cigarettes were linked to cancer and promised its customers they were completely safe.  They simply needed to warn consumers once they knew this risk existed.  Instead buried their own research demonstrating the risk under the rug in the name of profits.  The jury in this recent case believed Johnson and Johnson did the same


I don't even know where to begin with how terrible this article is.  Fundamental analysis is about analyzing the profitability of a company, technical analysis is very much the crystal ball strategy that he makes out fundamental to be. This is just an advertisement for his garbage trading program


Imo there are too many people expecting a correction for one to occur. I hear both smart money and retail investors talking about keeping/ raising cash for a correction... that's not usually when they occur. In all actuality it shouldn't matter, you should always invest expecting a correction. The market could be another 20% higher before we get a correction, or it could go down 10%, and then another 10% from there. If you can't weather the storms then stay out of the water


Ok, so imagine I own x% of Facebook and Facebook buys WhatsApp, does   this mean I own x% of WhatsApp? Yea definitely , you own x% of Whatsapp assuming Facebook buys 100% of WhatApps which is in this case  How much shares of FaceBook do I need to own to have access to   WhatsApp's books? As WhatsApp is a privately held company by Facebook , Facebook is not obliged to reveal the books of WhatsApp , though some not all of the books of WhatsApp may appear in Facebook financial report , it really depends on Facebook Accounting policy.


I'm a series 24 securities principle and have explained and trained people on questions like these more times than I can count. Although, my first recommendation is to speak to a qualified tax professional for the appropriate answer for each individual scenario.  Disclosure aside, the source of truth for these questions is always the IRS publications. In this case it's IRS pub 590b: When Must You Withdraw Assets? (Required Minimum Distributions).  IRA stands for Individual Retirement Arrangement. Basically it's an arrangement between you a the government to encourage retirement savings. Tax payers(up to a define taxable income amount) agree to receive a deduction during your working years lowering your taxable income in the present. Your taxable income should drop in retirement because you're not working anymore and any withdraws would most likely be taxed at a lower rate. To be clear the require minimum distribution is based on a life expectancy factor and the ending balance of your pre-tax retirement accounts from the prior year(for ex. 2016 ending balance for a 2017 rmd). The rmd works out to be somewhere around 3-4% of your total balance.  Most retirement account providers(if not all) have established several conveniences to automate the withdraw process. I've believe that moving funds directly to bank deposits or moving the funds to another taxable investment account are most common.  Retirement account providers are required by law to give you notifications about RMDs. Some big firms allow you to setup an auto-distribution a year before you turn 70.5 to start when they need to. Because of the 50% penalty you're given so many notifications about an RMD that it's hard to forget about it.


A debenture is a security document. This means that the bond is secured over assets. Under English law, you can issue bonds which, if defaulted upon, you can enforce your security against the issuer (i.e. the company), which means you can attempt to get your money back by getting hold of the company's assets.   As for a floating charge, I'll first explain what a fixed charge is. Say you're a bank (a lender) and you lend £1000 to X. You take security by way of a fixed charge over X's photocopy machines. X is unable to dispose of the machines without the lender's consent. This means that if X cannot pay up the loan, you can enforce security by taking possession of the photocopy machines, sell them, and hopefully get enough money back to cover the default.  A floating charge works the same way but over assets which fluctuate, e.g. X's stock of potatoes. X sells potatoes to supermarkets all the time so you can't just take a fixed charge over it for practical reasons, you can't just ask the lender each time you want to sell a potato. When an event of default occurs, i.e. you don't pay back the loan or breach a condition of the loan agreement, the floating charge crystallises, and becomes a fixed charge, thus enabling the lender to sell the potatoes to get their money back.  Random examples, but makes sense?  Source; future English solicitor.


> Conglomerates have no interest in gaining control of tiny businesses through loan collateral.  Yes they do, at least in China. China has very low farm labor productivity by developed nations status. Agribusiness would be very profitable in China. **The reason why it's in check is because it would make hundreds of millions of farmers redundant**, so the government prevents the industry from encroaching too much.


Yes, those numbers are all that is needed to withdraw funds, or at least set online payment of bills which you don't owe. Donald Knuth also faced this problem, leading him to cease sending checks as payment for finding errors in his writings.


If you apply for a mortgage with someone other than your current / savings account provider, they will not have access to this level of information.  They will pull your credit report, which contains information about debts and credit cards (repayments, amount borrowed etc.) and overdrafts, as well as anything like CCJs against you, but has no information about current or savings accounts other than who your main current account provider is. You can (and should) check your credit report yourself, to make sure there's nothing incorrect on there. This only costs a few pounds and you can find out about how to do this from the 3 main agencies here: https://www.moneyadviceservice.org.uk/en/articles/how-to-check-your-credit-report If you apply for a mortgage with the same provider that you use for your current account and savings account, they could theoretically look at your account usage history in this level of detail. However, I would be very surprised if they had a problem with the type of activity you describe. They'll be looking more at whether you have regular income into your account, whether you have frequently gone overdrawn without permission, etc. Moving money around between accounts or having a fluctuating savings account balance is not even slightly a red flag.


I believe WMT already uses most grocery items as loss leaders, so I wouldn't be surprised if Amazon follows a similar structure. Amazon already forgoes profits on many categories (especially new markets) in favour of capturing a large market share. So, expect a big price squeeze on existing brick & mortar joints.


I know of no free source for 10 years historical data on a large set of companies.  Now, if it's just a single company or small number that interest you, contact Investor Relations at the company(ies) in question; they may be willing to send you the data for free.


You will be charged a stock borrow fee, which is inversely related to the relative supply of the stock you are shorting. IB claims to pay a rebate on the short proceeds, which would offset part or all of that fee, but it doesn't appear relevant in your case because: It is a bit strange to me that IB would not require you to keep the cash in your account, as they need the cash to collateralize the stock borrow with the lending institution.  In fact, per Regulation T, the short position requires an initial margin of 150%, which includes the short proceeds. As described by Investopedia: In the first table of Figure 1, a short sale is initiated for 1,000   shares at a price of $50. The proceeds of the short sale are $50,000,   and this amount is deposited into the short sale margin account. Along   with the proceeds of the sale, an additional 50% margin amount of   $25,000 must be deposited in the account, bringing the total margin   requirement to $75,000. At this time, the proceeds of the short sale   must remain in the account; they cannot be removed or used to purchase   other securities. Here is a good answer to your question from The Street: Even though you might see a balance in your brokerage account after   shorting a stock, you're actually looking at a false credit, according   to one big brokerage firm. That money is acting as collateral for the   short position. So, you won't have use of these funds for investment   purposes and won't earn interest on it. And there are indeed costs associated with shorting a stock. The   broker has to find stock to loan to you. That might come out of a   broker's own inventory or might be borrowed from another stock lender.


>*A deal for $1.5 billion or more has finally been reached to sell the Market Basket chain to ousted CEO Arthur T. Demoulas, ending a knockdown, drag-out family feud, a source told the Herald last night.*  >*The deal came after a late night board meeting following a long day of emotional ups and downs.*  >*“It is official. We’re going back to work,” said Joe Garon, a company buyer who was fired July 20 when he protested the ouster of Demoulas. “We’re going to come back stronger than ever. It will take us a few days, but I got the word we’re going back to work.”*  >*Demoulas was ousted as CEO by a board faction controlled by his rival cousin Arthur S. Demoulas on June 18. A month later, a mass protest and work stoppage by employees effectively shut the chain down. Customers largely stopped shopping at the 71 stores. Negotiations for a sale dragged on for weeks.*  >*Arthur T. submitted a bid that would pay $1.5 billion for the 50.5 percent shares controlled by Arthur S.*  Cross-post from /r/MAConservative


As others mentioned, the only clear reason to remain in debt is if you can find an investment that yields more than what you're paying to maintain the debt. This can happen if a debt was established during low-rate period and you're in a high-rate period (not what is happening now.) A speculative reason to keep debt is as an inflation bet. If you believe money will shortly lose value, you are better off postponing repayment until the drop occurs. However you're not likely to be able to make these bets successfully. Hope this helps


Ok, they make a lot of money.  People aren't upset that pbs makes money.  They are upset because he wants to cut money going to something good in the world, and increase money going to horrible things such as fossil fuel subsidies.


"I can't speak to this particular process, but I'm very well versed in putting together RFP (request for proposal) and Tenders (a term more frequently used in oil & gas).  Basically, the customer puts out a document that says ""I want this widget constructed and built to this specification"". Then qualified bidders submit a proposals for the widget. Using this process is almost ubiquitous for large projects and for government contracts there is generally a legal process that must be followed.  Within my organization, nearly every project >$100,000 must go through an RFP. For example, we just put our audit out to bid. 5 accounting firms responded and our Board's audit committee will select one of the bids.   Aside from performing some diligence regarding the solvency of the accounting firm, the profitability of the contract for the accounting firm is not part of the selection criteria. And while we aren't under any obligation to select the ""low bid"", we will absolutely give additional weight to bids that provide the best value (aka cheaper).  if you are curious about the generalities of the RFP process: https://en.wikipedia.org/wiki/Request_for_proposal"


I believe this will be looking at ways the business can measure it’s success, non financially.  Business might look at things such as:  Customer satisfaction,   Whether customers make repeat purchases,   Labour/Employee turnover- how many employees quit and are replaced.   Hopefully that gives you the right idea and you can add on to it.  Sorry just have to add as I just did business ALevel, when ever you write any answer in business, ask your self after every paragraph “is that in context”. You might talk about the most amazing things which really impress who ever is marking, but if it doesn’t relate to the business, you get a big 0 :(


Yes, the newly bought shares will have a long-term holding period, regardless of when you sell them.  In addition, it's only a wash sale if you sold the first shares for a loss; it's not a wash sale if you sold them for a gain. Wikipedia mentions this: When a wash sale occurs, the holding period for the replacement stock includes the period you held the stock you sold. Example: You've held shares of XYZ for 10 years. You sell it at a loss but then buy it back within the wash sale period. When you sell the replacement stock, your gain or loss will be long-term — no matter how soon you sell it. Charles Schwab also mentions this: Here's a quick example of a wash sale. On 9/30/XX, you buy 500 shares of ABC at $10 per share. One year later the stock price starts to drop, and you sell all your shares at $9 per share on 10/4/XY. Two days later, on 10/6, ABC bottoms out at $8 and you buy 500 shares again. This series of trades triggers a wash sale. The holding period of the original shares will be added to the holding period of the replacement shares, effectively leaving you with a long-term position.


Why would I want to approve an increase in the number of authorized shares? Because you trust management to use those shares wisely. What it comes down to is, management is asking for money. While it may not be cash they're asking for, it has the same effect. Before you approve this, you have to evaluate the request (similarly to how a bank would evaluate a loan request), and ask if you approve of their reasons for needing the money, and if you think that it will be used to increase the value of the company (making your shares more valuable in the process).


My company utilizes Slack for all in-company communication. I've only worked here for a week and a half so I'm not certain how useful it is, but for a small business (less than 30 employees) it seems to work well to keep all the teams organized and in the loop.


If a company's shares trade in multiple exchanges, the prices in every exchange are very near to each other, otherwise you could earn money by doing arbitrage deals (buying in one, selling in the other) - and people do that once it becomes worth it. Which stock exchange you use is more a convenience for the buyer/seller - many investment banks offer only something local/near, and you have to go to specific investment banks to use other exchanges. For example, in Germany, it is easy to deal in Frankfurt, but if you want to trade at the the NASDAQ, you have to run around and find a bank that offers it, and you probably have to pay extra for it. In the USA, most investment banks offer NASDAQ, but if you want to trade in Frankfurt, you will have run around for an international company that offers that. As a stock owner/buyer, you can sell/buy your shares on any stock exchange where the company is listed (again, assuming your investment broker supports it). So you can buy in Frankfurt and sell in Tokyo seconds later, as nothing needs to be physically moved. Companies that are listed in multiple stock exchangs are typically large, and offer this to make trading their shares easier for a larger part of the world. Considering your 'theoretical buy all shares' - the shares are not located in the exchanges, they are in the hands of the owners, and not all are for sale, for various reasons. The owners decide if and when they want them offered for sale, and they also decide which stock exchange they offer them on; so you would need to go to all exchanges to buy them all. However, if you raise your offer price in one exchange only slightly, someone will see the arbitrage and buy them in the other locations and offer them to you in your stock exchange; in other words, for a small fee the shares will come to you. But again, most shares are typically not for sale. It's the same as trying to buy all Chevy Tahoes - even if you had the money, most owners wouldn't know or care about you. You would have to go around and contact every single one and convince them to sell.


"I am in NYC so my views on costs are certainly skewed, but you're also comparing apples and oranges here. You are comparing a bowl of stew or a personal pizza/bowl of pasta to a burger meal, that's a bit disingenuous.  I am not arguing that five guys is the BEST value out there, I'm just saying the costs are justifiable in comparison to other burger options. Their product is at a much higher standard than ""traditional"" fast food joints."


That's a very interesting article, and something that I hadn't considered, but I have a hard time believing that the value of the dollar is really 1/4 of what it was just 15 years ago. Ounces of gold don't appreciate in ounces of gold, and you can't buy anything with them. Like it or now, gold isn't used as a currency, so its price at this time is primarily dictated by how much more that people expect its value to rise in USD.


>How are these zoning laws enforced and drawn up? Who ensures they are properly followed? Who handles penalties when they are not followed?  The government handles these things, but they are not land developer, contractor, etc.  >How is all this done while still maintaining the rights of those who actually live on the land and may not have massive bank accounts?  Are roads to drive on a government protected right? News to me.


The estimated cost of $200 sqft of living space is achievable by builders who are following one the their standard plans. They build hundreds of homes each year across the region using those standard plans. They have detailed schedules for constructing those homes, and they know exactly how many 2x4s are need to build house X with options A, F,  and P. They buy hundreds of dishwashers and get discounts. That price also includes the cost of the raw land and the required improvements of the property.  You need to know the zoning for that land. You need to know what you can build by right, and what you can get exceptions for. You don't want to pay $600 K and then find out you can only build a 1 level house and you can only use 1/4 acre. You would need to start with a design and then have the architect and the builder and a real estate lawyer look over the property. Then they can give you an estimate of what it would cost to put that design on that property.  83k sqft? I mean it can accommodate at least 10 houses. It depends on what is the minimum lot size. If the maximum allowable density is three houses per acre you can get 6 in 2.2 acres, but if the minimum lot size is supposed to be 5 acres, then you will need an exception just to build one house. And exceptions involve paperwork, hearings and lawyers.


I'd be curious to compare current rent with what your overhead would be with a house. Most single people would view your current arrangement as ideal. When those about to graduate college ask for money advice, I offer that they should start by living as though they are still in college, share a house or multibedroomed apartment and sack away the difference. If you really want to buy, and I'd assume for this answer that you feel the housing market in your area has passes its bottom, I'd suggest you run the numbers and see if you can buy the house, 100% yours, but then rent out one or two rooms. You don't share your mortgage details, just charge a fair price. When the stars line up just right, these deals cost you the down payment, but the roommates pay the mortgage.  I discourage the buying by two or more for the reasons MrChrister listed.


I like using Mint.com to track my expenses.  It makes it very easy to watch my budget and monitor my spending.


Alliant Credit Union has supplemental accounts, ING Direct has supplemental accounts as well as the poster above mentioned.


You can just buy the items personally and then submit an expense report to the company to get reimbursed. Keep all the receipts. Paying with a company check is also fine, but you might run into problems with stores not accepting checks.


>AND still enough demand to fill up first class cabins  There isn't. Even if/when first class cabins are full (which is a big if), a TINY minority of those people are actually paying first class fares. The vast vast vast majority are there because of free upgrades from rewards points, or on a business trip where the company is paying the ticket.


No Tax would have been deducted at the time of purchase/sale of shares. You would yourself be required to compute your tax liability and then pay taxes to the govt. In case the shares sold were held for less than 1 year - 15% tax on capital gains would be levied. In case the shares sold were held for more than 1 year - No Tax would be levied and the income earned would be tax free. PS: No Tax is levied at the time of purchase of shares and Tax is only applicable at the time of sale of shares.


Assuming S&P value as % of GDP doesn't change, to get S&P return you add (Nominal GDP % growth + Dividend Yield) -> S&P return.  Historically the S&P has grown faster as corporations of won market share and therefore grown to a larger portion of GDP.  While this can continue (or possibly reverse), and can happen globally as well, you are correct in pointing out that it cannot continue ad infinitum.


If you are concerned about FDIC coverage, then yes, you can spread your money across multiple banks. The limit is $250k, so after you invest in property, 4 banks should do it.  That having been said, in my opinion, it would be a waste to keep all this money in a bank's savings account. You will slowly lose value over time due to inflation. I suggest you spend a little money on an independent fee-based investment advisor. Choose someone who will teach you about investing in mutual funds, so you can feel comfortable with it. He or she should take into account your tolerance for risk, look at your goals, and help you come up with a low cost plan for investing your money.  It's certainly okay to keep the money in a bank short-term, but don't wait too long; take steps toward putting that money to work for you.


Your point being? It is indeed possible that she is totally clueless about information security and the fact that her organisation got hacked big time is not promising in that respect, but to disqualify someone purely on their formal education is equally discomforting. But since I only have a bachelor degree in musicology (have worked in IT ever since) you probably don't consider my comment worth reading.


"Vitalik has mentioned this in a comment but I think it ought to be expanded upon: Companies that aren't already penny stocks really don't stand to gain anything from trying to prevent short interest.  Short selling does not inherently lower the stock price - not any more so than any other kind of selling.  When somebody shorts a stock, it's simply borrowed from another investor's margin; as long as it's not a naked short resulting in an FTD (Failure To Deliver) then it does not add any ""artificial"" selling pressure. In fact, shorting can actually drive the price up in the long term due to stops and margin calls.  Not a guarantee, of course, but if a rally occurs then a high short interest can cause a cascade effect from the short ""squeeze"", resulting in an even bigger rally than what would have occurred with zero short interest.  Many investors actually treat a high short interest as a bullish signal. Compare with margin buying - essentially the opposite of short selling - which has the opposite effect.  If investors buy stocks on margin, then if the value of that stock decreases too rapidly they will be forced to sell, which can cause the exact same cascade effect as a short interest but in the opposite direction.  Shorting is (in a sense) evening out the odds by inflating the buying pressure at lower stock prices when the borrowers decide to cover and take profits. Bottom line is that, aside from (illegal) insider trading, it doesn't do businesses any good to try to manipulate their stock price or any trading activity.  Yes, a company can raise capital by selling additional common shares, but a split really has no effect on the amount of capital they'd be able to raise because it doesn't change the actual market cap, and a dilution is a dilution regardless of the current stock price.  If a company's market cap is $1 billion then it doesn't matter if they issue 1 million shares at $50.00 each or 10 million shares at $5.00 each; either way it nets them $50 million from the sale and causes a 5% dilution, to which the market will react accordingly. They don't do it because there'd be no point."


Fuck you.  Fuck the HELL out of you.  First, what if I operate a business that has industry-wise small margins?  All manufacturing, for instance, operates on an average margin of 2%.  How much is that tax increase going to be, again?  5%?  Thanks, I guess you didn't want a manufacturing sector in the US after all.   Second, what if my competitive advantage *is* a small margin?  For many small businesses, that is their *only* competitive advantage in their start-up years.   Third, when the HELL did being left alone and keeping the money I earned by generating wealth and providing services become a motherfucking SUBSIDY? When the hell did the money I earn become the government's by right????    Also fuck you, you disgusting self-important pimple.  The risk-takers, wealth generators and employers of half of America are in fear for their survival; their livelyhoods, their life's work, and their retirement are all at risk from government meddling; and you cavalierly snark that they should just go out of business.    May you live long enough to one day learn how it feels.


"Relevant section:  >""Just as CEO Elon Musk is a respected champion for green energy and innovation, I hope he can also become a champion for his employees.""  >The workers say they want access to information about the dangers of the jobs they are doing, and they want a voice in the conversation about how to fix the safety issues."


Thanks everyone. It was refreshing to hear everyones opinion. I have already taken your advice, have updated my resume, and have applied for two positions in the last 5 hours. Hopefully I won't be at this place for much longer.


In the absence of sound, visuals are what your video will rely on to carry the message across. Therefore, you need to ensure that you utilize only high quality visuals. A company with experience in promotional video production would be able to offer enhanced visuals that will effectively help you build your brand.


"Office jobs are being automated and/or shipped overseas. Accounting used to require A LOT more people to run a decent Accounting Department at a company. With advances in computers and software, my company halved the staff in our department 10 years ago.  With how my industry (health care) in consolidating at a rapid pace, many more accounting jobs will be lost because of administrative redundancies. Two, 1 billion dollar companies merging into ONE, a 2 billion dollar company can function with the accounting head count of one of the company's Accounting Departments. The Accounting softwares scale very easily.  Legal work is being farmed out to Indian legal companies specializing in American Law. Hollywood routinely sends their legal work overseas to these firms to cut costs. Law has been hit really bad this recession and I doubt it will ever ""recover"" to pre-recession employment levels with advent of legal templates and software that automate a lot of the boiler plate legal work that lawyers used to be able to charge for."


"Poor in a rich country isn't necessarily better than being poor in a poor country. Have you actually seen how real, true poor people (poor or even on the dole) live in this country? I do daily; it's not ""rich,"" unless you're just so amazed by running water and a couple hundred dollar TV. Running water is pretty great, but a decent TV doesn't make your life ""better."""


Why would anyone listen to someone else's advice? Because they believe that the person advising them knows better than they do. It's as simple as that.  The fact that you're doing any research at all - indeed, the fact that you know about a site on the internet where personal finance questions get asked and answered - puts you way ahead of the average member of the population when it comes to pensions.  If you think you know better than the SJP adviser (and I don't mean that aggressively, just as a matter of fact), then by all means do your own thing. But remember about unknown unknowns - you don't know everything the adviser might say, depending on your circumstances and changes to them over time...


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Whether or not you or the other person has a receipt, all transactions can be disputed up until 90 days. If the other person decides to create a dispute and escalate it, paypal will take matters into their own hands and create an investigation. Now, it is up to paypal to decide if you get to keep the funds or if it goes back to the other person.


Yes, it's a good idea to have a separate business account for your business because it makes accounting and bookkeeping that much easier. You can open a business checking account and there will be various options for types of accounts and fees. You may or may not want an overdraft account, for example, or a separate business credit card just so you can more easily separate those expenses from your personal cards. When I started my business, I opened a business checking account and met with my banker every year just to show them how the business was doing and to keep the relationship going. Eventually, when I wanted to establish a business line of credit, it was easier to set up because I they were already familiar with my business, its revenue, and needs for a line of credit. You can set up a solo 401k with your bank, too, and they'll be very happy to do so, but I recommend shopping around for options. I've found that the dedicated investment firms (Schwab, Fidelity, etc.) tend to have better options, fees, and features for investment accounts. Just because a specific bank handles your checking account doesn't mean you need to use that bank for everything. Lastly, I use completely different banks for my personal life and for my business. Maybe I'm paranoid, but I just don't want all my finances in the same place for both privacy reasons and to avoid having all my eggs in the same basket. Just something to consider -- I don't really have a completely sane reason for using completely different banks, but it helps me sleep.


If I invest X each month, where does X go - an existing (low yield)   bond, or a new bond (at the current interest rate)? This has to be viewed in a larger context.  If the fund has outflows greater than or equal to inflows then chances are there isn't any buying being done with your money as that cash is going to those selling their shares in the fund.  If though inflows are greater than outflows, there may be some new purchases or not.  Don't forget that the new purchase could be an existing bond as the fund has to maintain the duration of being a short-term, intermediate-term or long-term bond fund though there are some exceptions like convertibles or high yield where duration isn't likely a factor. Does that just depend on what the fund manager is doing at the time   (buying/selling)? No, it depends on the shares being created or redeemed as well as the manager's discretion. If I put Y into a fund, and leave it there for 50 years, where does Y   go when all of the bonds at the time I made the purchase mature?  You're missing that the fund may buy and sell bonds at various times as for example a long-term bond fund may not have issues nearing maturity because of what part of the yield curve it is to mimic. Does Y just get reinvested in new bonds at the interest rate at that time? Y gets mixed with the other money in the fund that may increase or decrease in value over time.  This is part of the risk in a bond fund where NAV can fluctuate versus a money market mutual fund where the NAV is somewhat fixed at $1/share.


Which is just one metric for assessing how well a country is going.   A great example of this is if you compare Portugal and Equatorial Guinea. They both have very similar GDP, but most of Guinea lived in third world conditions, with on decent education system, no justice system, poor infrastructure, etc...  How do they have such a high GDP? Oil.  Who does that go to? Ruling family...


"If Trump really wanted to get Americans back to work, he would demolish the H1-B program.  If I was president, it would be the first thing I went after.  Cut H1-B visas by 60% over 4 years, and impart a penalty on companies who have x% of workers on this visa.  It's not a race to the bottom. We have capable people here who get laid off because of this program.  But ""something, something coal"" because he needed those idiots votes."


If markets are efficient (which they aren't, but anyways...), the frequency of DCA investments shouldn't yield any meaningful difference in return.  The one possible item to note is that if you're able to invest more frequently, you'll have more money exposed to the effects of compounding for longer, which *may* increase return. However, there are also transaction costs to consider, which may render something like *continuous* DCA-ing ineffective.   That same compounding effect also negates the potential benefits of DCA altogether, making it more logical to lump sum your investments.   You may be conflating DCA with simply making additional cash every week that's available for investment. If that's the case, again, lump sum as early as possible should yield the best results...  (this isn't financial advice, read the sidebar disclaimers)


"it is only sprayed on crops that are RoundUp ready, meaning the genome has been altered to accept RoundUp sprayed directly on the plant.    Jesus, reading this is like reading a memo directly from Monsanto.  You are blindly following the marketing of Monsanto with the ""how is RoundUp nasty"".  Really?  For fuck sake people, doctors used to recommend a certain brand of cigarette.  Wake the fuck up."


Have been an assistant KM at a chipotle, can chime in here. The higher prices for our food (relative to other restaurants that use GMOs and such) is only half going to being able to afford non-GMO food. There's actually a lot of other really good things that Chipotle does, like deep cleaning services, paying employees extremely competitive wages/salaries compared to other restaurants, and a real nice education assistance program for employees who are also college students.


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> Your preferred answer: It's not debt, it's magic. It never has to be paid back.  It's certainly not magic, but it is both a debt and an asset.     It adds a net amount of 0 to the balance sheet, while providing a little under 100 billion dollars of income to the US Treasury.  You don't seem to know what QE is.


The short answer is you are not required to.  The longer answer depends on whether you are referring to your organization as a sole proprietorship in your state, or for federal taxation.  For federal tax purposes, I would suggest filing each side job as a separate Sch C though.  The IRS uses the information you provide about your sole proprietorship to determine whether or not your categorization of expenses makes sense for the type of business you are.  This information is used by the IRS to help them determine who to audit.  So, if you are a service based business, but you are reporting cost of goods sold, you are likely to be audited.


Judging by your question, you seem to be a non-accredited investor. Under certain circumstances in some states, you may be able to sue the officers, directors, and other parties in control of the company for full rescission of your investment plus interest and attorneys' fees. You should consult with a locally licensed securities attorney to discuss your options.


Oil wasn't always so valuable. It has had its day in the sun. It is time for new ways to do things that are cleaner and renewable. You are right about that 10% loss, but new products could change that.


"Before going into specific investments, I think it would be a good idea to assess how ""free"" is that $5000. How much do you have to rely on it in emergency? You always want to buy low and sell high. However, if you need to make unplanned withdraw from an investment, you risk unfavorable market conditions at the time when you need the money, and lose money that way. One common suggestion is to keep 3-6 months living expense in checking/saving/very, very liquid/short term investments. After that, you can invest the rest in more profitable ventures.  Assuming that you are all set in that regard, next consideration is whether you have any goal for the money besides generating the maximum return. Is this for retirement, buying a house/apartment a few year down the road, graduate school, emergency cash store for the time between graduation and getting a job, or traveling a year in Europe after graduation? There are myriad of other possible goals. Knowing that you get a better idea of the time frame involved in the investment, and what you need to do with your money. If this is for retirement, you just need to generate the highest possible return for 40-50 years, while minimize taxes when you have to withdraw that money (there are more nuanced concerns, but large idea-wise that's what you need to do). If you want it for a trip to an exotic location in 2 year, then your primary goal will be to preserve the value of your capital, while assessing whether you need to manage foreign-exchange risk.  The time frame also rule in or rule out certain types of investments. If you are planning to use the money to purchase a house in 5 years, IRAs probably would not be what you are looking for. If you are planning to retirement, short term CD would not be the most effective way. After figuring out a bit of what you are trying to do with the money, I think how you want to invest it will be much more clear to you. In case of retirement, people seem to generally recommend no load index funds, and mid-cap growth funds. Nothing is really off the table, since your investment time frame is so long, and you can tolerate risk. You might also be interested to check out https://www.wealthfront.com/ (I have no relation with them). A friend recommended it to me, and I think their pitch make sense.  In other cases, it really is case dependent, and there might have more than one solution to any case. There is just one more potential investment venture that people you might not immediately thinking of, and that might be of interest to you. That is to use the $5000 as your own budget to build/maintain connections with people and network. Use it to take professors out to a meal to pick their brain, travel to keep in touch with old friends, network with potential future employers and peers to improve job prospect, or get opportunities to meet interesting people.  I hope this helps."


Others have covered the usual vehicles for getting money out of a property. There's another category of home loan called a hard money loan. It would take a lot of inquiries to find a hard money loan given your needs, but chances are its doable. The terms can be onerous, and hard money lenders don't mess around when it comes to foreclosing after a few missed payments. It's an off-the-radar industry and the private lenders and specialized trustees operate together with strike-force precision. Trustees normally should be trust-able by borrower and lender, but in the case I describe below, one man owned the small company that lent, and the small company that acted as trustee. Borrower beware. Yet, if your credit score and income are dismal, but your home equity is great, hard money is the only way to borrow against your home. In making hard money loans, lenders don't consider your credit score or income, just how much equity is in the property. I daresay they hope you'll default. They don't always hang onto the loans. If you look like a payer instead of someone they can foreclose on, they might sell the loan to someone who wants a stable monthly income. You don't know a thing about that person.  A Cautionary Tale: *Check out HankandHelen.blogspot.com for a currently-unfolding saga, in which an elderly couple's grandson convinced them to let him take title to their house, borrow against it, invest the proceeds, and share the profits. It didn't work that way. He went through hard-money lenders. He borrowed $360,000 and then $65,000. Those were mysteriously paid off (total mystery at this point), and he borrowed $47,000.  About a year later, he lost the house by defaulting the $47,000 loan. He was only about $2000 behind in payments when the trustee issued a notice of default, followed by a notice of sale. The trustee put the place up for auction, which didn't require a court order: that's the way it is in California and many western states, and a few others. The hard money lender bought the loan at auction for $83,000, and a home worth about $800,000 no longer belonged to the grandson.  A fundraiser brought in about $120,000 and the couple bought a mobile home in a mobile home park. The acre of land and swimming pool they used to own will be for sale soon, or possibly demolished for a mansion to be built. (House in the area go for about $2.5M when improved with very large, new houses.)* I poke around PropertyShark.com when I see a house bought cheaply at a foreclosure auction. Quite often the (former) borrower had inherited the house, treated it like a piggy bank, defaulted, and boom--no more house. It never makes sense to put a house at risk for a small amount like $5000. If you can't pay those credit card bills, the lenders can hound you and maybe get a court order to extract something from your checking account every month, but they can't take your belongings. When you sign a deed of trust or mortgage, you're giving a third party the right to kick you out of your home and take possession of it. You don't have any say in the matter. You might go to court, and say whatever you feel like saying, but if you owe many payments and can't pay them immediately, you're very likely to be out of luck. Someone mentioned paying off credit card balances with the highest interest rates first. That's done by throwing whatever cash you have at them while paying the minimum on the lower-rate balances. That's financially sound, but there's a technique that turns out to be more motivating for some, which is attacking the lowest balance first. It leads to the quickest reduction in the number payments you're required to make every month, and quickly lets you add the money you were applying to the smallest balance to the payment you make on the next-smallest balance. (Close each card as you pay it off if you don't want to accumulate debt again.) P.S. I don't know what your home's feed is, so I didn't address that. If it's some kind of rental income, every lender I have encountered credits 75% of the current monthly rent toward your gross income. They assume there will be vacancies and other costs.


Lets do the math, using your numbers. We start off with $100K, a desire to buy a house and invest, and 30 years to do it.  Scenario #1 We buy a house for $100K mortgage at 5% interest over 30 years. Monthly payment ends up being $536.82/month. We then take the $100K we still have and invest it in stocks, earning an average of 9% annually and paying 15% taxes.  Scenario #2 We buy a house for our $100K cash, and then, every month, we invest the $536.82 we would have paid for the mortgage. Again, investments make 9% annually long term, and we pay 15% taxes.  How would it look in 30 years?  Scenario #1 Results: 30 years later we would have a paid off house and $912,895 in investments Scenario #2 Results: 30 years later we would have a paid off house and $712,745 in investments Conclusion: NOT paying off your mortgage early results in an additional $200,120 in networth after 30 years. That's 28% more. Therefore, not paying off your mortgage is the superior scenario.  Caveats/Notes/Things to consider Play with the numbers yourself:


> but how is this different than when some Mississippi businesses decided they didn't want to sell to gay people?   Because sexual orientation isn't a choice, and is in some cases already a protected class. If you're a business open to the public, you don't get to discriminate against protected classes based on their status in that class. (That is, you can't refuse to serve a woman because she's a woman. You can refuse to serve her if she's being a dick to your staff or something.)


You're a god damn idiot. Anyone who actually read a little about the debt knows it doesn't even matter. Our debt shows a strong economy and dollar. It shows value and investment worthy. Anyone can buy treasury bonds. You.. me... apple... you think our debt is at 20t because it's all we can get invested? Fuck no people are waiting in line to buy new treasury bonds. They're solid investments for people who don't want to worry about stock trading and know for a fact in 30 years they get their money and interest. But somehow you think the Jews were able to pool enough money to lend out 20t but not have the ability to increase the debt and lend out 5t a year and not 600b. Hah...


The answer varies based on your location which you did not mention, but here in Minnesota (USA) I would recommend the following: I have followed the above steps with success and my states Attorney Generals office also recommended a similar process. See the following question for Q&A related to the other side of the transaction: What is the best way to accept payment when selling a used car?


Form 1099-misc reports PAYMENTS, not earnings.  This does not imply the EARNINGS are not taxable in the year they were earned.


This is a very good question! The biggest difference is that when you put money in a savings bank you are a lender that is protected by the government, and when you buy stocks you become an owner. As a lender, whether the bank makes or loses money on the loans it makes, they still maintain your balance and pay you interest, and your principal balance is guaranteed by the government (in the USA). The bank is the party that is primarily at risk if their business does not perform well. As an owner, you participate fully in the company's gains and losses, but you also put your money at risk, since if the company loses money, you do too. Because of this, many people prefer to buy funds made up of many stocks, so they are not at risk of one company performing very poorly or going bankrupt. When you buy stock you become a part owner and share in the profitability of the company, often through a dividend. You should also be aware that stocks often have years where they do very poorly as well as years when they do very well. However, over a long period of time (10 years or more), they have historically done better in outpacing inflation than any other type of investment. For this reason, I would recommend that you only invest in the stock market if you expect to be able to leave the money there for 10 years or more, ideally, and for 5 years at the very least. Otherwise, you may need to take the money out at a bad time. I would also recommend that you only invest in stocks if you already have an emergency fund, and don't have consumer debt. There isn't much point in putting your money at risk to get a return if you can get a risk-free return by paying off debt, or if you would have to pull your money back out if your car broke down or you lost your job.


"> Hearing Protection Act.  Which is a great piece of legislation, btw.  It really is kind of stupid that sound suppressors are so heavily regulated (read: expensive to obtain, not necessarily any harder to get).  ""Silencers"" in real life dont work like they do in the movies... they dont make guns silent, just not (literally) deafeningly loud.  They dont make crimes easier or make it that much more difficult to locate a crazy active shooter... its still easy to recognize gun shots and where they are coming from, they just dont blow out your ear drums as bad and piss off your neighbors when you decide to shoot.  Unfortunately though your average person doesn't understand this, and will probably be against a law that actually helps your average shooter be safer."


I fully appreciate your argument.    I feel that the current system doesn't allow for the growth that you take as an assumption.  The idea that somehow people will take a lower income job and automatically grow into a higher paying one.    Companies hire smart people to maximize profit... it's expected and it leads to trying to have a work force that is minimum wage with little room for growth.    Further, I believe that minimum wage hasn't kept up with inflation.    Yes, jobs are a worthy cry, but it cannot be the only metric we rely on to make sure everyone has the opportunity to live decently (a truly subjective term that we all have differing opinions on).    I personally have met far more full grown adults with high school and even college degrees working low paying jobs than teens or immigrants.


Yes, I have done this and did not feel a change in cash flow - but I didn't do it a the age of 23.  I did it at a time when it was comfortable to do so.  I should have done it sooner and I strongly encourage you to do so.   Another consideration:  Is your companies program a good one?  if it is not among the best at providing good funds with low fees then you should consider only putting 6% into your employer account to get the match.  Above that dollar amount start your own ROTH IRA at the brokerage of your choice and invest the rest there.  The fee difference can be considerable amounting to theoretically much higher returns over a long time period. If you choose to do the max , You would not want to max out before the end of the year.  Calculate your deferral very carefully to make sure you at least put in 6% deferral on every paycheck to the end of the year.  Otherwise you may miss out on your company match.  It is wise to consider a ROTH but it is extremely tough to know if it will be good for you or not.  It all depends on what kind of taxes (payroll, VAT, etc) you pay now and what you will pay in the future.  On the other hand the potential for tax-free capital accumulation is very nice so it seems you should trend toward Roth.


In effect, you are paying for 70% of the house but he gets half the gain. On the flip side, you're living there, so that probably makes up this difference.  It will be toughest if the house jumps in value, to the point you might be forced to sell.  You might want to think about that a bit.


The entire premise of purchasing a call option is your expectation that the prices will rise. So even though there is a possibility of prices falling, you wouldn't mind paying higher premiums in a volatile market  for a call option because you're bullish and are expecting the volatility to eventually turn out in your favour i.e. prices to rise


Compound interest means that the interest in each time period is calculated taking into account previously earned interest and not only the initial sum. Thus, if you had $1000 and invested it so that you'd earn 5% each year, than if you would withdraw the earnings each year you in 30 years you would earn 0.05*30*1000 = $1500, so summarily you'd have $2500, or 150% profit. However, if you left all the money to earn interest - including the interest money - then at the end of 30 years you'd have $4321 - or 330% profit.  This is why compound interest is so important - the interest on the earned interest makes money grow significantly faster. On the other hand, the same happens if you owe money - the interest on the money owed is added to the initial sum and so the whole sum owed grows quicker.  Compound interest is also important when calculating interest by time periods. For example, if you are told the loan accumulates 1% interest monthly, you may think it's 12% yearly. However, it is not so, since monthly interest is compounded - i.e., in February the addition not only February's 1% but also 1% on 1% from January, etc. - the real interest is 12.68% yearly. Thus, it is always useful to know how interest is compounded - both for loans and investments - daily, monthly, yearly, etc.


ChelseaFC rocked number 2, so before I try to answer number 1, I'll just mention that academics generally ignored negative *real* interest rates, and have always admitted that negative *nominal* rates were perfectly possible.  There's nothing in his explanation that I think is controversial at this point though.  As for number 1, a drop in a company's share price affects the company's ability to raise cash in the present and future.  In a closely related issue, that drop can affect the company's ability to compensate its employees through options and restricted stock grants.  In the long run (and I suspect you already know this), and drop in the share price affects the shareholders' wealth, and can lead them to demand that changes be made to be firm's operations (usually, changes made to who's running the firm).  If a firm doesn't need more financing, and it doesn't pay any employees with stock or derivatives on its stock, then changes to its stock price won't affect the firm's operations in the slightest.  Naturally, this assuming that the change in stock prices isn't indicative of changes to the economy, but that's a causal relationship in the other direction (the stock price reflects changes in operations, not the other way around).


I bet it isn't too bad and if the numbers are large enough I could be better.  I've been in too many rentals where the steering wheel at my desired angle obscured the speed and I had to do this weird scrunch and turn to see my speed.  Have a Tesla S and can tell you I always glance over to see the song artist and map instead of the copy in front of me.  I prefer it, but curious how it measures in distracted driving for a glance.  If they get to full auto drive it will be much better where it is.


Not entirely true.  Argentina walks away without the ability to get credit in the normal way, but with other (more expensive) avenues to get credit if needed.  However, they also no longer have to pay the bond debt, which frees up a fair amount of tax income to go to the things they were previously paying with debt.    Singer comes away with... nothing.  He's out the cost of purchasing the debt.  He's out the cost of litigating.  He actually came away with worse than nothing.  He lost bad.


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If there's no inflation (or alternately there's deflation) people would tend to sit on money and wait for the prices to drop. This in pretty bad for pricier stuff like real estate/housing industry where a few percent can make a big difference.  For a growing economy a small inflation is good as people would go out and buy new stuff when they want it knowing they will not get a better deal if they wait a year or so.


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wow thanks for the info. So if i wanted a masters in finance, should i take  math electives to get them out of the way earlier? I'm a senior in high school and I'm very interested in finance, but I'll admit not the best at math..


"Do I have to pay the stock investment income tax if I bought some   stocks in 2016, it made some profits but I didn't sell them at the end   of 2016? You pay capital gains taxes only when you sell the stocks. When you sell the stock within a year you will pay the short term capital gains rate which is the same rate as your ordinary income. If the stock pays dividends, however, you will have to pay taxes in the year that the dividend was paid out to you. I bought some stocks in 2011, sold them in 2012 and made some gains.   Which year of do I pay the tax for the gains I made? You would pay in 2012, likely at the short term gain rate. I bought some stocks, sold them and made some gains, then use the   money plus the gains to buy some other stocks before the end of the   same year. Do I have to pay the tax for the gains I made in that year? Yes. There is a specific exception called the ""Wash Sale Rule"", but that would only apply if you lost money on the original sale and bought a substantially similar or same stock within 30 days. Do I get taxed more for the money I made from buying and selling   stocks, even if the gains is only in hundreds? More than what? You pay taxes based on the profit you make from the investment. If you held it less than a year it is the same tax rate as your regular income. If you held it longer you pay a lower tax rate which is usually lower than your regular tax rate."


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"An annuity is a contract. Its contents are ""a contractual obligation from the issuing company"". If you want to evaluate how your annuity is likely to fare, you're essentially asking whether or not its issuer will honor its contract. They're legally required to honor the contract, unless they go bankrupt. (Even if they do go bankrupt, you will be a creditor and may get a portion of the assets recovered by the bankruptcy process.) Generally, the issuer will take the proceeds and invest them in the stock market (or possibly in similar instruments - e.g. Berkshire-Hathaway bought a railroad and invests some money in it directly). They invest in these places because that's where the returns are. One of the reason that annuities may have a good rate on paper is that they may end up taking some of your principal, because many are structured as some form of survivor's insurance policy. Consider: If you're 65 years old and have some retirement savings, you'd like to be able to spend them without fear of them running out because you live longer than you expected (e.g. you survive to your 90s). So, you could invest in the stock market and hope for a 7% return indefinitely and then plan to spend the returns - but if those returns don't materialize for a few years because there's a big stock market crash, you're in big trouble! Or, you could buy an annuity contract which will pay you 7% a year (or more!) until you die. Then you're guaranteed the returns unless the issuer goes bankrupt. (Sure, you lose all your principal, but you're dead, so hey, maybe you don't care.) The insurance company essentially sells risk-tolerance. Other annuities aren't structured like this, and may be marketed towards non-retirees. They're usually not such a good deal. If they appear to be such a good deal, it may be an illusion. (Variable annuities in particular are hard to reason about without a good deal of knowledge about how the stock market behaves on a year-to-year basis: many of them have a maximum return as well as a minimum, and the stock market may pile up a lot of its returns into one year, so after a ""crash and recovery"" cycle you might end up behind the market instead of ahead.) Annuities are a form of safety. Safety can be very expensive. If you're investing your own money, consider whether you need that safety. You probably needn't worry quite so much about the issuer being crazy-fraudulent or Ponzi-esque: you should worry mostly about whether it looks better on paper than it is."


Theres no regulations for market manipulation of bitcoin markets. You can get pretty creative with ramping, stop loss hunting, spoofing, etc. I believe all the traders use TA with a fundamental view but no amount of experience can prevent you from getting margin called due to someone dumping $50 MM of bitcoin to trigger stop losses.  Half the uber drivers here in San Francisco talk about bitcoin or are invested in it, that should give you an idea about the sophistication of many of the market participants.


Can anyone recommend a good textbook that covers Fannie Mae and Freddie Mac, or more broadly the US home mortgage market? A basic search seems to mostly turn up books that aim to make an ideological point rather than attempt to provide an actual explanation.  I have a basic financial knowledge including a basic understanding of derivatives at the level of say the textbook by Hull, but know very little about the US mortgage market specifically. I don't mind technical detail, and am not afraid of math. I don't mind if the book is broader, as long as it includes a reasonably in depth look at these GSEs and their role.  This seems to be a pretty basic piece of knowledge for many financial professionals, so I assume there must be at least one standard textbook on this that I just haven't been able to find.  EDIT: I'm looking for something post 2008 of course.


It's either a broad benchmark sp500, msci world, lehman agg, and or a cash index. Most will not use a specific benchmark.  While the broad benchmark may not be applicable from my experience its usually there as a proxy for the overall market.


">Except it's not going to be ""Whole Foods"" as you know it. In the article it says how Amazon is planning to get rid of all the expensive whole food inventory and replace it with cheap foods with mass appeal. Their goal to to compete with Walmart.   LOL, I bet all those Whole Paycheck shoppers are pissed that they won't be able to use this store as a status symbol anymore."


It makes sense for civil service jobs where you want the bureaucracy to remain apolitical. If layoffs are based on performance, you end up with gamed performance stats to favor the current regime and oust the opposition.  This is especially the case in jobs where measuring performance is extremely difficult or subjective, and, in these cases, seniority tends to act as a decent proxy. (or at least, it's the best of a few mediocre options)


CFDs should not be used as a buy and hold strategy (which is risky enough doing with shares directly). However, with proper money and risk management and the proper use of stop losses, a medium term strategy is very plausible.  I was using CFDs in the past over a short time period of usually between a couple of days to a couple is weeks, trying to catch small swings with very tight stops. I kept getting wipsawed due to my stops being too tight so had too many small loses for my few bigger wins. And yes I lost some money, almost $5k in one year. I have recently started a more medium term strategy with wider stops trying to catch trending stocks. I have only recently started this strategy and so far have 2 loses and 3 wins. Just remember that you do get charged a financing fee for holding long position overnight, buy for short position you actually get paid the funding fee for overnight positions. My broker charges the official interest rate + 2.5% for long positions and pays the official rate - 2.5% for short positions. So yes CFDs can be used for the longer term as long as you are implementing proper money and risk management and use stop losses. Just be aware of the implications of using margin and all the costs involved.


Standard advice for these scenarios: Stay out of it unless asked specifically for advice, and even then, be wary of being too harsh.  You'll damage your relationship with your friend if you get involved.


If HSBC is an option for the country in which you're living I found they have very comprehensive banking services which are very helpful as an expat, including easy wire transfers initiated online. One key aspect is they will honor your US credit score which is helpful while you build a credit history in the new country. If you have enough on deposit with them you may qualify for the HSBC Premier program which then gives you all of those free of charge.  That being said, I think their customer service and bureaucracy is horrendous. So once I had established myself locally I switched to a better local bank and use wire transfer services.  If you happen to be an expat in Canada there are now starting to be other options with TD and RBC.


How do you find an ethical, honest practitioner of any business? One: Make a small transaction with them and see how they treat you. If they cheat you on something small, don't give them a chance with something big. Two: Ask family and friends for recommendations. Three: Get information from public sources, like web sites where people post reviews of businesses, consumer advocacy organizations, groups like the Better Business Bureau, etc. Personally I consider all these of questionable value as you're asking one stranger to advise you on the reliability of another stranger, but better than nothing.


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Ordinary investors who own mutual funds (like vanguard or whatever) are subject to HFT scalping.  Mutual funds, pensions, etc are all operating in the markets with HFTs who are front running them for a tiny spread profit.  Million of ordinary investors are invested in those funds and therefore are getting charged this spread by the HFTs.


Not that I doubted everyone's assumption but I wanted to see the math so I did some spreadsheet hacking. I assumed a monthly payments for 30 years which left us with total payments of 483.89.  I then assumed we'd pay an extra $200/month in one of two scenarios.  Scenario 1 we just paid that $200 directly to the lender.  In scenario 2 we set the extra $200 aside every month until we were able to pay off the $10k at 7%.  I assumed that the minimum payments were allocated proportionately and the overpayments were allocated evenly.  That meant we paid off loan 5 at about month 77, loan 4 in month 88, loan 3 in month 120, loan 2 in month 165, and loan 1 in month 170. Getting over to scenario 2 where we pay $483.89 to lender and save $200 separately.  In month 48 we've saved $9600 relative to the principle remaining in loan 3 of $9547.  We pay that off and we're left with loan 1,2,4,5 with a combined principle of about $60930.  At this point we are now going to make payments of 683.89 instead of saving towards principle.  Now our weighted average interest rate is 6.800% instead of 6.824%.  We can calculate the number of payments left given a principle of 60930, interest of 6.8%, and payment of 683.89 to be 124.4 months left for a total of 172.4 months Conclusion: Scenario 1 pays off the debt 3 months sooner with the same monthly expenditure as scenario 2.


You've never saved money?  Have you ever bought anything?  There probably was a small window of time that you had to pool some cash to buy something.    In my experience, if you make it more interesting by 'allocating money for specific purposes' you'll have better results than just arbitrarily saving for a rainy day.    Allocate your money for different things (ie- new car, emergency, travel, or starting a new business) by isolating your money into different places.  Ex- your new car allocation could be in a savings account at your bank.   Your emergency allocation can be in cash under your bed.   Your new business allocation could be in an investment vehicle like a stocks where it could potentially see significant gains by the time you are ready to use it.    The traditional concept of savings is gone.  There is very little money to be earned in a savings account and any gains will be most certainly wiped out by inflation anyway.  Allocate your money, allocate more with new income, and then use it to buy real things and fund new adventures when the time is right.


">The problem is that the Boomers will only start dying when GenX starts retiring.  Ah, but the key there is when GenX **starts** retiring (meaning when the OLDEST GenX'ers hit retirement age).  The younger GenX'ers will still be in the prime of their life (late 40's and 50's -- and so certainly able to own/operate the funeral homes, casket & urn manufacturing operations, etc -- especially those who finally inherit their ""Silent Generation"" parents assets/savings).  >While your advice made me chuckle, it is better directed at Millenials. :)  The GenY Millenials will certainly have the *opportunity* to benefit, but (especially the younger ones -- yet to reach adulthood) will likely be the ""menial"" labor of the Boomer ""death/dying\* boom"" (but as I have said in other places, they can probably pretty easily demand HIGH wages for said menial labor, because the demand will outweigh the supply -- thus the accumulated ""assets"" of the Boomers will {one way or another} be transferred to GenX & GenY, even if it is a bit belatedly and perforce).  ;-)  \*It's not limited to the funeral part, there's gonna be BIG BUSINESS in things like nursing homes, and a high demand (and thus high wages) for bedpan changers, and sponge-bath givers, etc. (at least if the boomers want to be RESPECTFULLY treated by their sponge-bath givers... they will learn to ""tip"" with $100 bills for having their crack ""properly"" wiped, those who don't {or can't} tip will be left to ""stew"" in their own juices so to speak)."


It is possible to exercise an out of the money option contract. Reasons to do this: You want a large stake of voting shares at any price without moving the market and could not get enough options contracts at a near the money strike price, so you decided to go out of the money. Then exercised all the contracts and suddenly you have a large influential position in the stock and nobody saw it coming. This may be favorable if the paper loss is less than the loss of time value that would have been incurred if you chose contracts near the money at further expiration dates, in search of liquidity. Some convoluted tax reason.


As the commenters have already indicated, money market mutual funds are not guaranteed to maintain principal during all market conditions, and investments in mutual funds are not insured against loss due to market changes. That said, you can run a price search on Vanguard's website and see these results: So, despite all the economic problems since 1975, VMMXX has never traded at a price other than $1.00.


"I'm a ""new"" (last 2 years) homeowner.  For me, at least, benefits of owning far outweigh renting.  $8000 tax credit for the first time homebuyer, a massive deduction every year for your tax return, the option to rent out rooms to offset the large majority of my mortgage payment, and the real estate trend indicating that the value of my house *should* increase over time.  I think that if one has the means to buy in the current environment rather than renting, they certainly should.  You get no return on your money if you rent."


> The purpose of buying these bonds was not to step in due to the absence of a market. Rather, the purpose was to deliberately bid up the price of these bonds (ahead of the market), causing their price to rise and yields (interest rates) to drop.  There are some important things you need to understand about bubbles and how they form.  When interest rates are artificially low and down payments aren't required for many loans, do you agree this is a recipe for a bubble?


Dividends are actually a very stable portion of equity returns, the Great recession and Great Depression notwithstanding:   However, dividends, with lower variance have lower returns.  Most of the return is due to the more variant price:  So while dividends fell by 25% during the worst drop since the Great Depression, prices fell almost by 2/3. If one can accumulate enough wealth to live only off of dividend income, the price risk becomes much more manageable.  This is the ideal circumstance for retirement.


"Not sure how the article's author doesn't think that corporate power has now completely infiltrated and dominated government to the point where it has become so obvious we have terms like ""corporatocracy"" and prompting [a study done by Princeton's Martin Gilens and Benjamin Page](https://scholar.princeton.edu/sites/default/files/mgilens/files/gilens_and_page_2014_-testing_theories_of_american_politics.doc.pdf) confirming how little influence the public has on the corporate lobbyist controlled government.  The only thing Galbraith got wrong was which corporations would be the puppet masters. And the article doesn't even mention the influence of the pharmaceutical and insurance interests."


If you see something that looks like a sales pitch, be skeptical, even if they sound informed, say things which resonate with your concerns and promise to alleviate your problems. Watch out in particular for people who pontificate about matters which are tangentially related to the investment (e.g. populist anti-Wall-Street sentiment). Beware limited-time opportunities, offers, and discounts. I'm specifically talking about your email pitches, Motley Fool. They're shameful. Remember you're allowed to change your mind and go back on something that you've said a few minutes ago. If anyone tries to trick you into agreeing to go along with them by taking what something you've said and manipulating it, or uses logic to demonstrate that you must buy something based on things you've said, tell them you're not comfortable, head for the door and don't look back. Don't be afraid of embarrassment or anything like that. (You can investigate whether your position is in fact logically consistent later.) Run away from anyone who resents or deprecates the notion of a second opinion. Don't ever go along with anything that seems shady: it may be shadier than you know. Some people thought Bernie Maddoff was doing some front-running on the side; turns out it was a Ponzi scheme. (Likewise the Ponzi scheme that devastated Albania's economy was widely suspected of being dirty, but people suspected more of a black-market angle.) Beware of anyone who is promising stability and protection. Insurance companies can sell you products (especially annuities) which can deliver it, but they're very expensive for what you get. Don't buy it unless you seriously need it.


"I've traveled pretty extensively around the US (probably been to more states than a lot of citizens), love it out west, friends all over the place. Just not really a big city person so that's been holding me back from going to NYC. Friend would love to go there though, and he's really into musicals (and active in them at a professional level here) so of course my first reaction was ""sure, lets go""."


Assuming you don't plan on continuing to use the card frequently, the best advice I've heard is to leave them open unless they have an annual fee. Also, leaving it open with a zero balance doesn't help your credit score as much as using it a few times a year (even for small amounts) because it will eventually shift to an inactive state that is less positive for your credit score.


"Former WFM team member here (about a decade, and still have a lot of store management staff as friends).  WFM has always wanted to be the ""tech company"" of grocery stores, but their implementation strategy has been absolutely worthless, haphazard, and piecemeal due to their method of expansion in in the 90s and early 2000s, where they would buy up regional organic grocery chains across the nation and pretty much just integrate them into the company as a separate entity.  Imagine WFM as really 7 different companies that have almost ZERO in common with each other, from policies to product selection to buyers to computer systems. So they've never been able to get the IT part of their business to be effective, even though they've desperately wanted to, because every region has had different IT that wasn't entirely compatible with the others.  On top of that, they tried to upgrade the current systems to a perpetual inventory system. That did not work. You can't just modify current systems to be fundamentally different from what their original intended function was.  With Amazon coming in, hopefully they can gut the system and start over fresh, using WFM's current regional distribution as a hub for expanding their own product offerings. Honestly, I think Amazon was looking at its seattle store with no employees as a prototype for what they could achieve with an actual chain.  A lot of what's holding WFM back on the price of their products is that they huge distribution costs. They're relying on UNFI, which is (in my experience) not exactly ""great."" If Amazon can utilize what they do well (inventory management, shipping, technology, and business support services), I think they can decrease the cost of their products by the 20-25% target they need to hit to remain competitive in natural and organic foods. Because, right now, they're getting absolutely slagged by Kroger, Trader Joe's, Walmart, Sprouts, and so many others."


* I recommend MASSIVE new government deficit spending, * far more regulations on everything business, * increased unilateral power for the unions, * expand vacations to a mandatory 12 weeks fully paid, * work week should be cut to 20 hours, * wages should be at least doubled, * all consumer prices cut in half via government price controls  any more problems?


At Foodex Trade Ltd website, metal dealers are also available which take your unwanted scrap and turn it into easy money for you right now. Any scrap that you’d normally just throw away such as electric wire, cable, electrical road board and copper wire scrap, but don’t do it. You can get some money if you sell the unused metal scrap. If manufacturers need to have a more metallic scrap, then the prices of scrap will go up. If they do not any need, then they will go down.


"Well, I am an atheist and this was my first job interview after getting back to the states, so I was at a loss for words. I simply said, ""Ummm....I don't know.""  Needless to say I didn't get the job. But I don't think that job would have worked for me anyway if Jesus is an interview question."


Nuestra agencia inmobiliaria le invita a descubrir en este sitio una selección de anuncios inmobiliarios en México y sus alrededores. Si desea obtener más información de México en esta página, verá una selección de propiedades en inmobiliarias en mexico. Nuestro equipo de asesores de bienes raíces le espera en México,, cerca de los accesos de metro, estaciones de Argoulets, Roseraie, para un estudio de su proyecto de bienes raíces, compra, venta, alquiler, su casa o apartamento o, gestión de alquiler de sus bienes inmuebles.


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If you do it on your own, it doesn't mean you'll be able to create a commercially viable product.  It takes a lot of capital to create systems, technology, and business models to help you with your start up.  You need resources such as talent and software applications to help build your business.  These help you compete with established corporations and competitors to differentiate your product from the rest.  It's not easy and so what if VCs own a part of of your business.  That's for insurance reasons when te business fails and assets are needed to counter the investment liability.  You still get control of your start up and the product your offering.


The problem is, everyone feels pressure to grow. M&A is no longer just about cost synergies, but increasingly about revenue synergies and acquiring products or services that demonstrate growth with an ongoing runway.  I see too many issues where acquires impede on the growth of their new acquisition, thus resulting in a huge failure.  But today, it's a grow or die mindset (become an acquisition target or free full towards bankruptcy). Many are willing to overpay for growth so that they can continue on.


"I don't know if what they're doing is legal, however I believe you should be able to roll over the funds in your 401(k) to a self-administered IRA in which you can buy any stock you want. Is the company publicly traded?  Also, you say the stock is ""expected"" to surpass its previous high? By who? You? Spokespeople at the company? Certainly not the market itself, as it wouldn't have fallen so much otherwise. I'm not saying you're wrong, just that you have to make your own judgments about these things, don't go by others' ""expectations""."


If it was me, I would outsource as much as possible with the desire to receive up front payment from financing companies for originating a loan.  Why? The biggest risk to newer businesses is cash flow.  The amount of work a new business owner has to do is daunting.  If you can outsource some of that work it will increase your chance of success and make your life easier.  Focus on selling cars. The upfront origination will help with your cash flow. If you can outsource the credit decision making and paper work you have leveraged your time and can focus on more important things.


The most common one, Morning Star GRILLERS PRIME® BURGERS  >TEXTURED VEGETABLE PROTEIN (WHEAT GLUTEN, SOY PROTEIN CONCENTRATE, SOY PROTEIN ISOLATE, WATER FOR HYDRATION), CORN OIL, SUNFLOWER OIL, EGG WHITES, CONTAINS TWO PERCENT OR LESS OF CORNSTARCH, NATURAL FLAVORS FROM NON-MEAT SOURCES, SOY PROTEIN ISOLATE (It is made from soybean meal that has been dehulled and defatted), AUTOLYZED YEAST EXTRACT (Yeast extract is the common name for various forms of processed yeast products made by extracting the cell contents), SALT, CARAMEL COLOR, ONION POWDER, SPICES, HYDROLYZED VEGETABLE PROTEIN (CORN, WHEAT, AND SOY), GARLIC POWDER, POTATO STARCH, MALTODEXTRIN (produced from starch by partial hydrolysis), DISODIUM GUANYLATE (natural sodium salt of the flavor enhancing nucleotide guanosine monophosphate), DISODIUM INOSINATE (more salt), SUCCINIC ACID (acidity regulator, or pH control agent), SUGAR, NONFAT DRY MILK, SOYBEAN OIL, WHEAT FIBER.  Tried to add some info to the ones that you might not know.Yeah, homemade is obviously the best.


You misunderstand my intentions.  The financial markets dipped pretty badly after 08 happened - primarily because of the crisis. But they stayed down because of the following deregulation...  Mandated they kept more cash on reserve to prevent bailouts (Dodd frank), and increased spending on compliance - overall decreasing their profit margins.  They're still at historical lows. Now if those regulations were rolled back, their profit margins would increase (minus any external setbacks).  That's why I think it would be calculated to strive for their historical averages pre-08 if the industry returns to the historical climate.  Sure it's a bet, but I would argue it's a logical one


There are many ways to value a business. Here is a simple method to get a ball park number on most businesses. This business is made of two parts. For the real estate: For the business:  I would consider this type of small business riskier than the stock market and so you should expect a higher return. Maybe 15 or 20%? If the rental business makes $50k profit (not revenue) and that is 20% return of your investment, the business is worth $250k. If the business makes no money or if they only make money because they don't take a salary then this is a hobby and not a business. There's no business to buy here and you are just bidding on the real estate to do with what you please. The assets worth $600k and the business worth $250k would be added together for a fair sale price of $850k. Adjust for your actual numbers and you should be able to get a ball park of what you think the business is worth. If you do the math and it works out that you'll make 1-3% on your business, compare that to investing in other places. If it works out that you'll make 40% on your money that's pretty awesome too.


Hi, I'm going to be a social studies teacher and will have to introduce students to economics. I am saving your post for the future because it is an amazingly well crafted and engaging lesson.. the village analogy can even be used for group enactment. Thanks so much for this!


I would keep the letter in a file for follow-up, and I would do what you are already planning to do and wait to see what shows up on the credit report. If this does reflect an identity theft attempt, chances are that others will follow, so vigilance is key here. If there is a hard credit check, then you can dispute that on your credit report. If there is not a hard credit check, there is nothing further this credit card company can do to help you anyway.


If you adopt the definition of functionality being what defines something as smart, then having the average person unable to use -something which its intended purpose being the abstraction of production into a roughly quantified measure- would make it too dumb rather than smart. The entire purpose of money is to make trade easier. If money becomes too complicated for the average person it is no longer as functional as alternatives. Unless we want extreme class separation it is in our best interest to keep systems meant for simplicity simple. Even thinking of a future where money is too complicated gives off a very dividing sentiment.


"GLD, IAU, and SGOL are three different ETF's that you can invest in if you want to invest in gold without physically owning gold. Purchasing an ETF is just like purchasing a stock, so you're fine on that front.  Another alternative is to buy shares of companies that mine gold. An example of a single company is Randgold Resources (GOLD), and an ETF of mining companies is GDX. There are also some more complex alternatives like Exchange traded notes and futures contracts, but I wouldn't classify those for the ""regular person.""  Hope it helps!"


I am in a similar situation (sw developer, immigrant waiting for green card, no debt, healthy, not sure if I will stay here forever, only son of aging parents). I am contributing to my 401k to max my employer contribution (which is 3.5%, you should find that out from your HR).  I don't have any specific financial goal in my mind, so beside an emergency fund (I was recommended to have at least 6 months worth of salary in cash) I am stashing away 10% of my income which I invest with a notorious robot-adviser. The rate is 80% stocks, 20% bonds, as I don't plan to use those funds anytime soon. Should I go back to my country, I will bring with me (or transfer) the cash, and leave my investments here. The 401K will keep growing and so the investments, and perhaps I will be able to retire earlier than expected. It's quite vague I know, but in the situation we are, it's hard to make definite plans.


"This is the best tl;dr I could make, [original](http://www.politico.com/story/2017/09/04/summer-employers-trump-guest-worker-visas-immigration-242271) reduced by 91%. (I'm a bot) ***** > President Donald Trump&#039;s harsh criticism of immigration programs and Congress&#039; refusal to lift a cap on work visas meant many seasonal businesses had to hire American this summer - and pay their workers more.  > &quot;Widespread abuse in our immigration system is allowing American workers of all backgrounds to be replaced by workers brought in from other countries to fill the same job for sometimes less pay,&quot; he told workers in Wisconsin in April.  > The Trump administration hasn&#039;t moved specifically against the visas for summer workers - known as H-2Bs. His own companies use H-2B workers, especially at his Mar-a-Lago resort, which recently requested H-2B visas for 70 cooks, housekeepers and servers to start in October.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6y8tu8/businesses_forced_to_hire_american_citizens/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~204758 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*: **work**^#1 **H-2B**^#2 **wage**^#3 **visa**^#4 **job**^#5"