"@jidugger mostly got it right. It basically mean that past performance of a stock, or a basket of stocks, are not at all useful when trying to predict its future. There is no proven correlation between past and future performance. If there was such a correlation, that was ""proven"" or known, then investors would quickly exploit this correlation by buying or selling this stock, thus nullifying the prediction. It doesn't mean the specific individuals cannot predict the future stock market - hell, if I set up 2^100 different robots, where every robots gives a different series of answers to the 100 questions ""how will stock X do Y days from now"" (for 1<=Y<=100), then one of those robots would be perfectly correct. The problem is that an outside observer has no way of knowing which of the predictor robots is right. To say that stock is memoryless strikes me as not quite right -- to   the extent that stocks are valued based on earnings, much of what we   infer about future earnings relies on past and present earnings. To put it another way - you have $1000 now, and need to decide whether to invest in a particular stock, or a stock index. The ""memoryless"" property means that no matter how many earning reports you view ... by the time you see them, the stock price already accounts for them, so they're not useful to you. If the earning reports are positive, the stock is already ""too high"" because people bought it before you did. So on average, you can't use this information to predict the stock's future performance, and are better off investing in an index fund (unless you desire extra risk that doesn't come with more profitability)."


Inflation is already impacting hard to reach places: Sakhalin, Yakutsk, and Kaliningrad (Russia's small enclave in the middle of Europe). While major metropolitan areas can easily deflect inflation, better distribution networks, major distributors, faster access to bureaucratic machinary, isolated regions are already fealing the impact of the sanctions.


That's what she said.  But seriously, I'm very much against SOPA, but I don't want to open the floodgates and have this sub reddit become inundated with politicizing on this issue or any other.   I'll let this one stay for now, but if it starts trending towards more and more of it, I'll drop the ban hammer.


"It is exactly as described in the quote. Pick any three ""bills"" not owed to family members."


Another reason is that the amount of unused credit you have is a positive factor on your credit score.  It's generally easier to open several different accounts for $X dollars each with different banks than to get your current bank to raise your limit severalfold in a single go.  Your current bank has to worry about why you suddenly are asking for a large additional amount of credit; while other banks will be willing to offer you smaller amounts of credit in the hope that you transfer your business from your current bank to them.


Go dip some chicken in MSG, fry it and tell me how many customers you have. Their restaurant is great, their food is great and their workers always seem happy. Probably because, at least in my experience, they are mostly teens and college students working there while preparing to move on to something better.


The Federal Central Tax Office says you may not have to pay taxes in germany for capital gains. You may have to apply for a tax relief to prevent the tax from being collected. You very likely will have to pay whatever taxes there are in Hong Kong on capital gains. Since you use an US broker withholding tax may apply to you but this is a different question that has nothing to do with Germany or german stocks. To be sure you should contact a local expert on this topic. EDIT: I missed some informations that I found on the english site of the german Federal Central Tax Office homepage.


In the US banks typically require that you maintain some minimum account balance or account activity for at least 90 days.  Some banks will only issue the bonus once in a lifetime, some once every 24 months etc.  This will vary on the bank.


"Major societal changes generally emerge out of a lot of riots and protests. Social Security literally came out of the great depression where you had Hoovervilles popping up everywhere. All this turmoil lead to an existential crises where issues actually needed to be addressed. The point I was trying to make is that I doubt a basic income will come about naturally. Corporations and those with a lot of money are going to try and push it off for as long as possible. However, if something accelerates automation you would have more people on the streets. Some say a $15 minimum wage would accelerate it, some say it wouldn't. On the one hand you would have people getting paid a living wage presumably. On the other hand you would have more automation which would mean a quicker transition to the next economic system instead of a long drawn out transition. Ideally we can shorten the length of time people are living on scraps. The idea being, one short surge of social unrest is better than many years of frustration, which would culminate in the same surge of unrest at the end.   Plus the whole point of a basic income isn't to ""eliminate inequality."" It is an effort to ""reduce inequality."" Most people in the basic income community are against extreme inequality. They do not say that inequality should be inherently avoided. They say that there is such a thing as ""TOO MUCH"" inequality which can cause various problems, and that we have come to that point on Earth."


Yep. Look at Market Basket's current debacle as a prime example. On NPR someone's opinion was that it works (there's many family-owned/run companies), but there's family issues (power disputes, control, vision, etc.) which if aren't managed/sort well can bubble up, grow, and potentially harm the company.


They are almost always behind paywalls. The analysts that write these reports need to get paid somehow.  I'd search for reports on google by specific topic and see what you find, but no where is there a treasure trove of free information


I disagree and see it all the time.  Here's one example: people who grow up in towns where business has died off and don't move because it's all they have ever known.   Sure there are legit reasons to hang around (family obligations, etc..) and not leave, but many just don't take the initiative to go where they can earn.   People did it all the time before the New Deal but afterwards are more content to draw off the government and stay poor.


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State capitalism has been kicking normal capitalisms ass for decades.  China, Vietnam, South Korea are all doing great in terms of state supported capitalism.  Of course Microsoft and Apple make massive profits selling to the government as well.  Those free profits are also a soft form of state capitalist support.


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"What would be the best strategy to avoid paying income taxes on the   sale after I move to another US state? Leaving the US and terminating your US residency before the sale closes. Otherwise consider checking your home country's tax treaty with the US. In any case, for proper tax planning you should employ a licensed tax adviser - an EA, CPA or an attorney licensed in your State (the one you'd be when the sale closes). No-one else is legally allowed to provide you tax advice on the matter. Because the company abroad is befriended, I have control over when   (and e.g. in how many chunks) the earnings of the sale flow into my   LLC. So I can plan where I live when that money hits my US account. I'm not familiar with the term ""befriended"" in this context, but form what I understand your description - its a shell corporation under your own control. This means that the transfer of money between the corporation and your LLC is of no consequence, you constructively received the money when the corporation got it, not the LLC. Your fundamental misunderstanding is that there's importance to when the money hits your US bank account. This is irrelevant. The US taxes your worldwide income, so it is taxed when you earn it, not when you transfer it into the country (as opposed to some other countries, for example India or the UK). As such, in your current scheme, it seems to me that you're breaking the US tax law. This is my personal impression, of course, get a professional advice from a licensed tax professional as I defined earlier."


You can absolutely query multiple data points into a unified interface with Gsuites. Not to mention create in-depth dashboards that feed from centralized raw data (coming from multiple channels) and pushes it to charts/forms.  The hotkeys are limited, continuously improving with other functionalities, but excel can certainly maintain more data. Probably one of my biggest painpoints with using Gsheets.   Excel and PowerPoint produce cleaner and more manipulative charts, but overall, the fundamentals are there if you take the time to digest the differences.


If this is truly your emergency fund, then you should keep the money safe. Unfortunately interest rates are very low right now and there is not much you can do about that. However, ask your investment advisor for a CDIC insured high interest account, such as these:


You can only lose your 7%. The idea that a certain security is more volatile than others in your portfolio does not mean that you can lose more than the value of the investment. The one exception is that a short position has unlimited downside, but i dont think there are any straight short mutual funds.


Krugman (Nobel prize in Economy) has just said: Greek euro exit, very possibly next month. Huge withdrawals from Spanish and Italian banks, as depositors try to move their money to Germany. 3a. Maybe, just possibly, de facto controls, with banks forbidden to   transfer deposits out of country and limits on cash withdrawals. 3b. Alternatively, or maybe in tandem, huge draws on ECB credit to   keep the banks from collapsing. 4a. Germany has a choice. Accept huge indirect public claims on Italy   and Spain, plus a drastic revision of strategy — basically, to give   Spain in particular any hope you need both guarantees on its debt to   hold borrowing costs down and a higher eurozone inflation target to   make relative price adjustment possible; or: 4b. End of the euro. And we’re talking about months, not years, for this to play out. http://krugman.blogs.nytimes.com/2012/05/13/eurodammerung-2/


"I don't think you got my point. My point is, that although your statements seem great ""on paper,"" in reality this statement:  >Moreover, it can't be that hard to find a group of 4-5 people who aren't stupid. I can think of a dozen friends of mine off the top of my head I'd have complete confidence in if we decided to rob a bank.  Is complete bullshit."


Have you looked at DIY roof repair?  Caulking with tar adhesive, and shingle replacement isn't that hard, if you're in good health.  Totally depends on how bad your roof is/what the demands on it are going to be.   If you can squeak another year out of it, with minimal investment, you'll have a year's worth of, say car-debt (at what percent interest?) to put into your roof fund.


I would point this out to the committee or other entity in charge of handling this at work. They do have a fiduciary responsibility for the participant's money and should take anything reasonable seriously. The flip side to this is 95% of participants -- especially participants under 35 or so -- really pay next to no attention to this stuff. We consider it a victory to get people to pony up the matching contributions. Active participation in investment would blow our minds.


Considering that Roku isn't even profitable I'm going to say that any increase in short term price is going to be a result of investor speculation because these rich dudes who have accounts at big wealth management divisions want to get in quick because they think it's another amazing tech company that's going to bring in billions and everyone knows that technology is always going to improve. I said the same thing about the Blue Apron IPO. They're not even profitable! Businesses exist to make a profit lol I don't get it. There's better things to actually invest in this current bull market, these tech IPOs seem to excite everyone's investor emotions.  That's just my opinion though I mean I'm just a kid lol    Edit: I should also mention my household completely got rid of cable a few months ago and picked up a few of the Roku devices. They work great so far and are cheaper than cable. It's not a terrible product in my opinion.


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Thanks. Just to clarify I am looking for a more value-neutral answer in terms of things like Sharpe ratios. I think it's an oversimplification to say that on average you lose money because of put options - even if they expire uselessly 90% of the time, they still have some expected payoff that kicks in 10% of the time, and if the price is less than the expected payoff you will earn money in the long term by investing in put options (I am sure you know this as a PhD student I just wanted to get it out there.)I guess more formally my question would be are there studies on whether options prices correspond well to the diversification benefits they offer from an MPT point of view.


I'm being realistic. They're dumping tens of millions of dollars into an operation that shows no real signs of earning any kind of profit in anything that approaches the short or medium term. They're making expensive cars at Ferrari volumes for BMW prices in limited markets while the major automakers introduce more and more electric and hybrid cars. Once Mercedes and Ford and Honda have full electric cars on the road, serviced and backed by their huge network of dealerships, what does Tesla offer anyone? Toyota is happy, they pumped a relatively small amount of money into Tesla and have all but locked up rights to their IP should the company go bust.  Tesla is trying to capitalize on being first to market, but they're in a kind of catch 22: there isn't huge demand for electric cars right now, which means they won't be able to sell the volumes they need to grow their business and return a profit. As soon as the market is large enough for them to make a profit, the big guys are going to catch up and run them over. Who'd buy a Model S when they could get an electric 5 series for the same money? Who'd buy a Tesla Roadster if they could get an electric Boxster or 911?


"Haha now there's two of you.  I have two twits parrot squawking in my ears in stereo.  Okay, so maybe you aren't from the US, in which case I can forgive your confusion and completely circular logic.  You must have gone back to Wikipedia or something, because the IS and LM curves are not, in your words, operating without ""control by powerful offices in government.""  The IS and LM curve indeed cross at a level that is consistent with an equilibrium between income and expenditure's equilibirium with the money market.  But that's just the label slapped on it, it's not determinative as some sort of naturally occurring law of economics in our society.  No, these things don't just happen on their own.  If what you're inartfully implying were true, then there would be no such thing as an expansionary or contractionary monetary policy.  Manipulating and controlling the money supply is the entire reason for the existence of the Federal Reserve!  What is wrong with you?  Go read a book or something on it, fuck me.  The Federal Reserve, by setting interest rates mainly, and by open market operations, and by less frequently changing the reserve requirements which directly controls the MONEY MULTIPLIER (you know, that thing that creates money out of thin air you seem to not be able to understand exists?) is constantly changing AGGREGATE DEMAND in the economy.  Aggregate demand is what the ISLM curve is about.  It's about the equilibrium between price levels and the level of economic OUTPUT DEMANDED.  But not supplied.  That's aggregate supply, and the Federal Reserve effects that less.  But yes, you've simply expanded the scope of things I could talk about that are fucked up about banks and the Fed in particular, because the Federal Reserve, in manipulating aggregate demand for money, actually is destroying money and the efficient use of money at the same time, because the LM curve in particular really represents the relationship between REAL income and the REAL money supply.  Real means not nominal, but in actual purchasing terms.  The Fed is manipulating an LM curve that at its base is a piece of logic built on the assumption that what's going into it are real numbers, and yet by definition, the Fed acting to manipulate it makes those numbers not determined by purely market forces, but also by the Fed.  That makes them less than real.  Basically the Federal Reserve pumps up artificial levels of demand in the economy, which lasts for a bit to generate growth numbers, but in the long term it simply results in inflation and a continually delayed (at least for now) reckoning where the artificial demand (i.e. the government's ability to borrow) cannot be further expanded, and something has to give.  This down the road would be a monetary crisis involving the US dollar being knocked off its perch as the world's primary reserve currency, and the yields on Treasuries skyrocketing to the point that the government is either forced to behave or else print so much money to actually cover interest payments on the debt that the flood of money into the economy causes catastrophic inflation.  But anyway, my point is that you're making a circular argument, because you're saying that the Fed doesn't interfere in or exert tremendous control over the economy, because there's something that we know shows the given price level of money in an economy called the ISLM curve, falsely implying that everything's fine with money because it's determined by mechanical, natural laws, almost like gravity, when in fact the Federal Reserve's whole purpose is to manipulate the inputs that go into that curve.  It reduces interest rates which artificially increases income.  It also increases the velocity of money, an input for the LM curve, by increasing nominal economic output, etc. etc.  The IS and LM curves are not these things that just sort of happen on their own.  This may come as a shock, but the US has a central bank which has as its sole purpose the manipulation of these curves.  Its central mandate is control of price levels.  Its unspoken mandate is to preserve the status of the big banks on the top of society, which is why the big banks created it in the first place, and why they own all the branches (this is the root fact behind why some people say that the Federal Reserve is in fact not federal and is instead privately owned, which isn't completely literally true, but true enough in the sense that it has a clear conflict of interest between the public good it's supposed to be upholding and the private interests of the banks that own its branches and exert control over the financial system, mainly through the New York branch). But that's not the whole story about the total money supply.  There's also the pyramiding effect of the money multiplier.  It's as if you're just pretending these things don't exist.  It's real, I assure you.  Banks create money out of thin air when they extend credit to you.  To pay the obligation to them, you use the real money you in fact earned through your own labor, or from some real asset you might have.  They get the better end of the deal, and almost all the money in the economy is spawned by this process, this insanely exorbitant privilege they have.  And yes, I have a problem with it."


I agree about irresponsible pay at the top level, but disagree about a company hiring on workers just to be a good citizen of the country.   We should be doing everything we can, as a country, to educate our citizens for these higher level jobs and promote entrepreneurship and growth of new industries to generate jobs. That is how we can get everyone employed.   Just asking corporations to hire on dead weight for the hell of it on a macro level is harmful, not helpful, and could lead to more unemployment when the next recession hits as entire companies are taken down for being irresponsible.


The opposite of a hedge is leverage (aka gearing). A hedge is where you spend money to reduce your exposure. Leverage is where you spend money to increase your exposure. Spread bets are a form of leverage - that's what makes them such an effective way to lose all your money, quickly.


It's not too difficult. Every state has a few local banks that don't do this shit and with new current technology most have apps and allow you to deposit money without going to the bank itself. Yeah you don't have an ATMs everywhere but the need for ATMs deacreses each year. My local bank will even refunds me ATM charges up to 100$ a year.


"The financing is built into the price.  I do not have hard facts, but I strongly suspect that very few people buy brand-new smartphones at full price upfront.  Most pay a monthly installment to the carrier or retailer equal to 1/24 of the full price, which in effect is ""0% financing for 2 years"".  Samsung might be able to advertise a lower retail price and then offer financing at some rate of interest, but from a marketing standpoint, offering ""0%"" financing makes it feel like you're getting ""free money"", when in fact it's built into the overall price. Which sounds better, buying an $840 phone with 0% financing for two years or buying an $800 phone at 4.85% APR for two years (both have a $35 monthly payment)?"


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not sure about the drivers. but the main gripe that has been made public is in the warehouses regarding shitter breaks. which are limited and timed......but fuck those people. cause even if they leave. the only retail jobs left in about 8 years will be right back with amazon. truth sucks.


Exactly.  My unit is short staffed nurses.  I get payed double for every extra i work and that's not including over time.    I do it because it's short lived until new staff are hired and trained.  If my boss was not the boss she is, i would not do this.  We are not short staffed because of her.  We are short staffed because we are constantly learning and pushing ourselves to the next level and for many that means higher education either a doctorate program in nursing or medical school.  We all work on a great unit where we learn every day.  We work together every day.  We are a team.  We do not code patients on our own.  We do it together.  There is no other place i have worked in healthcare that is so clearly a team than where i am now.


"In the course of one's spending, it's not tough to find things that are going to be that expensive.  A median income is in the $50K range in the US. The diamond folk advertise that one should spend 3 month's salary on an engagement ring. Even with a decent income, I spent zero. My wife was practical, not interested in jewelry, and wanted a big house. The money went to the downpayment. The house cost 2.5 years salary at that time.  A car, even used, will cost some month's salary.  If that $50K earner is saving, has an emergency account, and is on track with their financial long term goals, a week's pay can buy a nice sized TV.  A nice vacation can cost a week's pay to a month's pay.  Your question is great, although it shows a concern that's typical very early on in one's career. There are related question here about ""how can I spend more?"" They tend to come from someone living on a student budget that now has an adult's income from a desirable job. The answer is to sit down, list your monthly spending, properly budget a decent portion for savings, and see how much you have for frivolous spending. Keep in mind, it's easier to sock it away now. No house, no kids, etc. When we were first married, we lived on my wife's income (in effect) and socked mine away. The house tightened the budget, as did the kid.  In the end, the PS4 is less about the $400 than it is about the rest of your finances."


"I agree that retail looks for orderly markets, but orderly markets have really never existed. Really study market history, and you'll see that markets are more orderly today than they ever have been. The stuff that used to take place was just insane and happened before computers--let alone HFT.  Let me state that, while it may seem like I'm defending HFT, my algos are actually much longer-term and wouldn't be hurt by any of your proposals. I think many of the HFT guys are no better than those three-card monte sharks who used to fill Times Square. But they're just playing the game. They're not good, but they're also not bad; they're just another segment of players. In orderly markets (up and down), they really do add liquidity. When things go awry as they tend to do in the markets, the HFTs step aside. But don't fool yourself--market makers have always done the exact same thing. And also remember that many markets don't even have market makers; traders provide all liquidity.  Here's the thing. Retail investors swarm to the markets when everything is going up and up. They believe they can do no wrong and that prices will go up forever. Then the market gets a bit tougher, retail investors (and most ""pros,"" by the way) start to lose, and then retail investors cry foul. Markets were never intended to be a nice, safe playground for the masses. They were designed for those who dedicate their lives to understanding them. I don't pretend that I can litigate a legal case, operate on someone's brain, or build a bridge. Experts have studied those areas for decades and are quite good at those things. But retail investors have always thought of Wall Street as some sort of ""safe Las Vegas."" In reality, it's survival of the fiercest.  I'll say to you what I say to every one of my friend's who wants me to ""show them a few things about trading"": If you aren't going to really commit thousands of hours to understanding the markets, then stay out. Invest money that you don't need for some time in a few good mutual funds. Keep your debt to a minimum. Don't chase quick profits if you don't understand the game."


Where are you planning on buying this ETF?  I'm guessing it's directly through Vanguard?  If so, that's likely your first reason - the majority of brokerage accounts charge a commission per trade for ETFs (and equities) but not for mutual funds.   Another reason is that people who work in the financial industry (brokerages, mutual fund companies, etc) have to request permission for every trade before placing an order.  This applies to equities and ETFs but does not apply to mutual funds.  It's common for a request to be denied (if the brokerage has inside information due to other business lines they'll block trading, if a mutual fund company is trading the same security they'll block trading, etc) without an explanation.  This can happen for months.  For these folks it's typically easier to use mutual funds. So, if someone can open an account with Vanguard and doesn't work in the financial industry then I agree with your premise.  The Vanguard Admiral shares have a much lower expense, typically very close to their ETFs. Source:  worked for a brokerage and mutual fund company


You should absolutely go for it, and I encourage you to look for multi-unit (up to 4) properties if there are any in your area.  With nulti-unit properties it is far more common than not that the other units pay the mortgage. To comment on your point about slowly building an asset if the renter covers the payment; that's true, but you're also missing the fact that you get to write off the interest on your income taxes, that's another great benefit. If you intend to make a habit out of being a landlord, I highly encourage you to use a property management company.  Most charge less than 10% and will handle all of the tough stuff for you, like:  fielding sob stories from tenants, evicting tenants, finding new tenants, checking to make sure the property is maintained...  It's worth it. There fees are also tax-deductible... It makes a boat load of sense.  Just look at the world around you.  How many wealthy people rent???  I've met one, but they own investment properties though...


This is just a partial answer, but I believe the following observations are relevant:


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I've never heard of portable mortgages in the US. If you can't afford two mortgages, you will have to sell the first house to pay off its mortgage before you can buy the 2nd house.  This is done all the time in the US. You can put your current house on the market (advertise it for sale) then arrange for a long closing while you arrange to buy a new house. Also, you can make an offer on a new house and include a contingency clause that you must sell your current house first.  Good escrow companies are very good at managing cascading transactions like this.


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Assuming there is actual competition that is what will happen.    If MS offers M&A advisory for $3 MM, their operating expenses for the project is $2 MM . DB has greater technological efficiency, cutting down on analyst and support staff costs. Their operating expenses is only $1 MM, their best choice of action would be to undercut to $2.5 MM. This allows them to boost their operating margins and ROE while the client saves $500,000.   Obviously if they are a monopoly, any technology gain just means fatter margins since they have all the pricing power.


That is all great and all, but constantly giving these comedians $40 million for a few hours of content is driving up prices at netflix and everywhere else. Someday netflix will be $40 a month, and we will remember the $7.99 good old days.


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Don't ever quantify a stock's preference/performance just based on the dividend it is paying out Volatility defined by movements in the the stock's price, affected by factors embedded in the stock e.g. the corporation, the business it is in, the economy, the management etc etc. Apple wasn't paying dividends but people were still buying into it. Same with Amazon, Berkshire, Google. These companies create value by investing their earnings back into their company and this is reflected in their share prices. Their earnings create more value in this way for the stockholders. The holding structures of these companies also help them in their motives. Supposedly $100 invested in either stocks. For keeping things easy, you invested at the same time in both, single annual dividend and prices more or less remain constant. Company A: $5/share at 20% annual dividend yield.  Dividend = $20 Company B: $10/share at 20% annual dividend yield  Dividend = $20 You receive the same dividend in both cases. Volatility willn't affect you unless you are trading, or the stock market tanks, or some very bad news comes out of either company or on the economy. Volatility in the long term averages out, except in specific outlier cases e.g. Lehman bankruptcy and the financial crash which are rare but do happen. In general case the %price movements in both stocks would more or less follow the markets (not exactly though) except when relevant news for either corporations come out.


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"Essentially, yes.  Any and all decisions a business make are for one reason: $$$      Your paid vacation?  That's an incentive to get better, more productive workers.  Your company has done a cost/benefit analysis and they've figured out that it's worth their money to pay you to do nothing for a week because that paid vacation is a perk of the job that will get them better job applicants.  OR they want you taking a vacation because you'll come back rested and refreshed. And that makes them money. (See also: every other job benefit.)    ""Oh, well my company is a great civic member who does good work for the community.""  And I bet they never pass up an opportunity to tell people about it.  Because they don't care about feeding the homeless kittens.  They care about customers KNOWING they feed the homeless kittens.  Because it makes them money.      The point of a business is to make money, not employ people."


Not disagreeing, but if you use it in the right manner, it can be beneficial.  Similar to twitter, it can be absolutely useless to most people.  However, if you are into news, you can only follow news outlets, and get breaking news as fast as anyone.


>Does that shield them from any criticism?  The problem is the article is arguing Walmart is off loading to govrt and yet Walmart paid a huge chunk of those govrt. welfare by paying $7.1B in tax. Does this stop your bleeding heart? eh? liberal?


A cash management account from an investment firm like Fidelity or Schwab will do that: you can access funds by check or ATM and get a bit of interest. The interest rates are very low. Or you could put it in a money market account and access it by check with a slightly less worse interest rate. You can pursue higher returns by investing part of the money, but with increasing risk as you seek higher returns. Options include putting some of the money into a short term bond fund, for example.


"littleadv's first comment - check the note - is really the answer. But your issue is twofold -  Every mortgage I've had (over 10 in my lifetime) allows early principal payments. The extra principal can only be applied at the same time as the regular payment. Think of it this way - only at that moment is there no interest owed. If a week later you try to pay toward only principal, the system will not handle it. Pretty simple - extra principal with the payment due. In fact, any mortgage I've had that offered a monthly bill or coupon book will have that very line ""extra principal."" By coincidence, I just did this for a mortgage on my rental. I make these payments through my bank's billpay service. I noted the extra principal in the 'notes' section of the virtual check. But again, the note will explicitly state if there's an issue with prepayments of principal. The larger issue is that your friend wishes to treat the mortgage like a bi-weekly. The bank expects the full amount as a payment and likely, has no obligation to accept anything less than the full amount. Given my first comment above here is the plan for your friend to do 99% of what she wishes: Tell her, there's nothing magic about bi-weekly, it's a budget-clever way to send the money, but over a year, it's simply paying 108% of the normal payment. If she wants to burn the mortgage faster, tell her to add what she wishes every month, even $10, it all adds up.  Final note - There are two schools of thought to either extreme, (a) pay the mortgage off as fast as you can, no debt is the goal and (b) the mortgage is the lowest rate you'll ever have on borrowed money, pay it as slow as you can, and invest any extra money. I accept and respect both views. For your friend, and first group, I'm compelled to add - Be sure to deposit to your retirement account's matched funds to gain the entire match. $1 can pay toward your 6% mortgage or be doubled on deposit to $2 in your 401(k), if available. And pay off all high interest debt first. This should stand to reason, but I've seen people keep their 18% card debt while prepaying their mortgage."


ETrade allows this without fees (when investing into one of the No-Load/No-Fees funds from their list). The Sharebuilder plan is better when investing into ETF's or stocks, not for mutual funds, their choice (of no-fees funds) is rather limited on Sharebuilder.


My question is did the jobs that were between minimum wage and 15 scale appropriately during this time? I made 15 an hour doing roofing for a while and if this didn't cause a pay raise if do something with minimal effort.


It's possible to build your own website with WordPress but from my experience, most business owners don't want to bother with it themselves. Then there are the clients that use free tools like GoDaddy Website Tonight, etc. Yeah, those are the clients that eventually fold and go to a designer because the end result of what they built was shit.


Agreed, but it's not like the enemy of your enemy is your friend in this case.   Bezos just wants your wallet and doesn't give a shit about you, just like Trump wants your votes and doesn't give a shit about you.   They've both left a trail of destruction in their respective rises to the top.


"Stock recommendations and price history are an unwise way to invest. People that recommend stocks are usually compensation for recommending it. They are paid directly by third parties, that can be paid in shares, they can simply own the stock themselves and if the stock goes up they can sell it to new investors at a higher price (or even a lower price, they may not actually care) Price history does not tell you a complete picture, what kind of price history are you even looking at: ""this stock went up, let me buy now at the very top and hope it goes higher, am I too late"" ""this stock went down let me avoid it"" if you don't know why, what, who, when, assets, debt, etc, you shouldn't be buying the stock."


As much as I know StarMoney has also a web service for banking.


"Re: Specifically, am I right in that everything I put on these is deducted from tax, or are there other rules? and  Am I correctly understanding this as ""anything above £3,600 per year will not be deducted from your tax""? Neither interpretation seems quite right… Unless what you mean is this: The contributions (to a pension, or to the share-save scheme) are deducted from your pay before it is taxed. That's how it works for employer-run pension schemes. In other words, you are paying the gross amount you earn into the pension, not the amount after tax. It's a tax-efficient way to save, because: compared to other forms of saving: (The bit about the £3,600: you can ignore this assuming you're earning more than £3,600 a year.) What happens to the pension if you decide to move back to France or another country? In some cases you can transfer tax free. Worst case, you'd pay some tax on the transfer but not more than 25%. [See here for the current rules: https://www.gov.uk/transferring-your-pension/transferring-to-an-overseas-pension-scheme. Re: the share scheme, if by 'salary exchange' you mean salary sacrifice (where your gross pay is officially reduced by that amount e.g. £150 a month), that's even more tax-efficient, because it saves you paying the National Insurance contribution too (approx 9% of the pay packet). Conclusion: Saving into pension and company share save schemes is supremely tax-efficient and, provided you're OK with your money being locked away until you're 57 (pension) or tied up in company shares, it's understandably many people's priority to make use of these schemes before considering other forms of saving where you pay into them from your salary after tax. Now, about this: I am trying to understand how much I should put into it Should I put money into these, or should look for another way to save (how will this work out if I go back to France or another country)? Nobody here can advise you what to do since individuals' goals and circumstances are different and we don't know enough of the picture. That said: FWIW, I'll tell you what I might do based solely on what you've told us in the question… First, I'd definitely contribute 6% to the company pension. This gets you the full employer match. That's free money (plus, remember the tax relief = more free money). If you're 27, a total of 12% salary into a pension a year is a decent rate to start saving for retirement. Actually, 14% would be generally advisable, and maybe more still – it's generally a case of 'the more the better' especially while young, as you have time for growth and you don't know what later priorities might change / financial needs might arise. Nevertheless, you said you might move overseas. So in your position I would then:"


Marie Curie, Hedy Lamarr, Katherine Johnson, Mary Jackson and Dorothy Vaughan and I guess many more.  It's not that women are that rare in the work space, I think they are less self-promoting and, subsequently, promoted...Even if the numbers is not 1:1, there are still enough of them to make the difference.


No matter what, you owe taxes on the gains, known as capital gains. How much, depends on how long you invested it for. In your example, each month is treated separately - each month you contribute starts a new clock on that set of investments. If you hold it for longer than a year, the taxes are treated as long-term, and less than a year is short-term. Short term taxes are at your marginal rate, and long term taxes are different, usually 15%. https://www.irs.gov/taxtopics/tc400/tc409


I was a Math-Econ interdisciplinary for my undergrad, have completed my MS in Math Finance, and am currently studying for a Ph.D. in Finance.  Verik's summary of the math required for a MS Math Finance program is accurate.  I'd also want to emphasize practicing your programming skills in general; depending on the professor, they may prefer you work in MATLAB, Stata, SAS, C++, etc., so a basic understanding of programming is helpful.  I can give you book suggestions for a few of these topics (for example, I'm fairly certain the Shreve books are the standard for Stochastic Calculus,) but it may not be much help if you're going to a program that is less quantitatively oriented.  Feel free to message me any random questions you have.


The article doesn't say they outdid 46 states cumulatively.  Just that, if taken as a state, Amazon comes in 5th in job creation.  The list:  Texas: 284,300  California: 227,400  Florida: 226,800  New York: 141,900  Amazon: 113,500  Georgia: 112,900  ...


Because those are supplementary jobs not careers. Those are jobs that high school kids and the retired can pick up part time. People that are working full time can teach themselves value adding skills like coding for free from a public library. Especially if they're only working 40 hours a week, they have plenty of extra time. I've worked 90 hour weeks for years and still taught myself useful skills in my free time. If these people aren't willing to improve their skill set while working a supplementary job then they will be left able to afford an ok life for 1 person. They should not have a family.


"This is the best tl;dr I could make, [original](https://about.bnef.com/blog/electric-vehicles-accelerate-54-new-car-sales-2040/) reduced by 92%. (I'm a bot) ***** > London and New York, 6 July 2017 - Electric vehicles will make up the majority of new car sales worldwide by 2040, and account for 33% of all the light-duty vehicles on the road, according to new research published today.  > The team now estimates that EVs will account for 54% of all new light-duty vehicle sales globally by 2040, not the 35% share it forecast previously.  > BNEF sees them accounting for nearly 67% of new car sales in Europe by 2040, and for 58% in of sales in the U.S. and 51% in China by the same date.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6p1zel/electric_vehicles_to_accelerate_to_54_of_new_car/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~173744 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*: **New**^#1 **vehicle**^#2 **BNEF**^#3 **Energy**^#4 **Bloomberg**^#5"


Mining/discovery of gold can be inflationary -- the Spanish looting of Central America for a few hundred years or the gold rush in the 19th century US are examples of that phenomenon. The difference between printing currency and mining is that you have to ability to print money on demand, while mining is limited to whatever is available to extract at a given time. The rising price of gold may be contributing to increased production, as low-grade ore that wasn't economically viable to work with in the 1980's are now affordable.


My reaction to this is that your observation @D.W. is spot on correct: It sounds like long-term market timing: trying to do a better job than   the rest of the market at predicting, based upon a simple formula,   whether the market is over-priced or under-priced. I read the post by the founder of Valuation Informed Indexing, Rob Bennet. Glance at  the comments section. Rob clearly states that he doesn't even use his own strategy, and has not owned, nor traded, any stocks since 1996! As another commenter summarizes it, addressing Rob: This is 2011. You’ve been 100% out of stocks — including indexes —   since 1996? That’s 15 years of taking whatever the bond market, CDs or   TIPS will yield (often and currently less than 2%)... I’m curious how   you defend not following your own program even as you recommend it for   others? Rob basically says that stocks haven't shown the right signals for buying since 1996, so he's stuck with bonds, CD's and fixed-income instead. This is a VERY long-term horizon point of view (a bit of sarcasm edges in from me). Answering your more general question, what do I think of this particular Price/ Earnings based ratio as a way to signal asset allocation change i.e. Valuation Informed Investing? I don't like it much.


"There is no universal answer here.  Some card issuers will.  Some that will close the account will warn you first.  For my ""sock drawer"" cards I'll try to take each out semi-annually to make a single transaction, then put it back in the drawer. I've heard you should charge something quarterly, I've never had one closed with semi-annual charges."


"> Some private investors in Silicon Valley approached Ayasdi about making money off sports, but Muthu remains nonplussed. ""The thing I'm most interested in is not gambling or predictions or fantasy,"" he told me, ""but in-game strategy and GM-type decisions."" It was the latest example of the brains in sports chasing another kind of fabulous wealth. The wins are their spoils.  Keepin' it real, kid."


yes and no its definitely not charitable as they are making money of off you but depending on the outside conditions if you had to pay a mortgage on that condo with only 35k in payments to start off it would more than likely exceed 500 dollars a month however there would always be a point were the mortgage would end and it dosent sound like thats going to be the case with you paying your parents so it depends on how long your going to have that condo and how much mortgage would have been.


Normal high street accounts certainly are available to non-residents. I have several, and I haven't been resident in the UK for fourteen years. However you do need to open them before you leave. They need identification. Once you have one open, the same bank should be able to open other accounts by mail. The disadvantage of course is that you will pay tax on your earnings, and while you can claim it back that's an unnecessary piece of work if you don't have other UK earnings. I would take the risk of an offshore account, assuming it's with a big reputable bank - the kind that are going to be bailed out if there is another collapse. An alternative might be a fixed term deposit. You lock up your money for three years, and you get it back plus a single interest payment at the end of three years. You would pay nothing in tax while you were gone, but the whole interest amount would be taxable when you got back.


If you need to send out a pitch deck to angels and VC's, look up Angel Vision Investors. This is a fast and easy way to get your pitchdeck into the inboxes of thousand of qualified investors today; ultimately leading to getting you the funding you want.


"Banks are businesses, and as such should have the right to refuse service, so they should probably be able to choose one customer over another at will.   [I say ""should"" because business owners protecting themselves against litigation related to discrimination could restrict their freedom as business owners.] However, banks are businesses and if the customers are identical, both will be approved (or not) according to credit records.  Does not make sense to approve one person with a given credit record and refuse someone with a similar record.  Unless they barely qualify.  Since no two credit histories are identical, there are surely edge cases. Finally, if a customer is a long term customer with large deposits and/or significant amounts of business with the bank, the bankers will likely be inclined to do more business."


Read the fine print and you will be fine.  The big caveat is that if you miss a payment for any reason, you will be in default as far as the promotional financing is concerned and will typically owe ALL of the accrued interest, which is usually computed at 20-25% per year. Personally, I use these sorts of offers all of the time at places like Home Depot for stuff that doesn't generally need warranty service. (Wood, tools, etc) Usually I pay the thing off over time as CDs mature. If I'm buying a TV, computer, etc. I always use my AMEX, because I get an extra year of warranty service and points for free.


To me, any program which has its algorithm change based on input. Air control traffic systems would not satisfy this because although they adjust their path choices based on input, nothing changes about the algorithm. The algorithm was designed to adjust path choices based on input, and the way the algorithm approaches that does not change based on input.


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When you’re getting any sort of painting job done, you want to make sure that you get the highest quality paint for the job. Do your research ahead of time and find whatever it is that you may be seeking when it comes to paint and you will have a much better result when we come to take care of the job at hand. http://barwickpainting.com/


If upper and Bollinger bands either converge ... or diverge ..., does that mean the market is TRENDING? No - Bollinger bands measure volatility, which is an measure of how much variation there is in the price of the instrument. It does not indicate a trend which means that the instrument tends to move in a consistent direction.  When Bollinger bands are close together, that means volatility is relatively low, and vice-versa. They can  be interpreted as signals that a stock might move in one direction or the other, but they are not a measure of directional movement.


Just so I'm clear- the end result is a long call, and you think the stock is going up. There is nothing wrong with that fundamentally.  Be aware though: That's a negative theta trade. This means if your stock doesn't increase in price during the remaining time to expiration of your call option, the option will lose some of its value every day. It may still lose some of its value every day, depending on how much the stock price increases. The value of the call option just goes down and down as it approaches maturity, even if the stock price stays about the same. Being long a call (or a put) is a tough way to make money in the options market.  I would suggest using an out-of-the-money butterfly spread. The potential returns are a bit less. However, this is a cheap positive theta trade so you avoid time decay on the value of the option.


"Ah I got ya. I partially agree with you, but it's far more complex. I think that is simplifying the debate a bit too much. When people go ""passive"" you are making the assumption that they are able to stay fully invested the full time period (say 30-40 years until retirement when you might change the asset allocation). This is not a fair assumption because many studies on behavioral finance have shown that people (90% plus) are not able to sit tight through a full market cycle and often sell out during a bear market. I'm not debating you're point that passive often outperforms due to the fees (although there are many managers that do outperform), but the main issue with self-managing and passive investing is people usually make emotional decisions, which then hurts their long-term performance. This would be the reason to hire an adviser. Assuming that people are able to stay passive the entire time and not make a single ""active"" decision is a very unfair assumption. There was a good study on this referenced in Forbes article below: https://www.forbes.com/sites/advisor/2014/04/24/why-the-average-investors-investment-return-is-so-low/#5169be2b111a  Another issue is that there are a lot ""active managers"" that really just replicate their benchmarks and don't actually actively manage. If you look at active managers who really do have huge under-weights and over-weights relative to their benchmarks they actually tend to outperform them (look at the study below by martin cremers, he's one of the most highly respected researchers when it comes to investment performance research and the active vs passive debate)  http://www.cfapubs.org/doi/pdf/10.2469/faj.v73.n2.4  I guess what I'm trying to say is that for most people having an adviser (and paying them a 1% fee) is usually better than going it alone, where they are going to A. chase heat (I bet they always choose the hottest benchmark from the past few years) and B. make poor emotional decisions relating their finances."


You missed the point of the piece if you think I was literally talking about artists by trait. Also, AI can not create, it can only replicate and optimize.   Thanks for reading.   ***Also - would you mind dropping this comment into the medium comments section? I would love to see what other people think and that's a much more active community.


"Dude, you are totally moving the goal posts. First of all, the fact that you had to crawl through my comment history and came up with a completely unrelated response rather than addressing my point is pretty pathetic, and a pretty common behavior who are wrong and don't want to admit it. I don't ""hate"" California, I think it's overrated. And I think it's overrated because what you get isn't worth what you pay. That isn't being ""biased"", it's cause and effect. If it didn't cost 3x as much to live in California as anywhere else, I would like it a lot more.  And the math doesn't work out. You in your original comment said the typical salary is 170K. Now that you have been proven wrong you are now claiming it's 200K+. That isn't the ""math working out"", that's distorting reality until it lines up with your preconceived notions.  And now you are restricting ""nature"" to mountains (since apparently anything that isn't red river gorge is ""ant hills"" and therefore not worth anything). Again moving the goalposts. And even if your idea of ""things to do in nature"" means ""I like backpacking in the mountains exclusively"", you would be much better off in places like Utah than California.  Repeatedly saying ""I've done the math, I've been offered a job"" doesn't mean anything when I've already shown you the math doesn't work out, and I too have been offered a 6 figure job in SF.  I'm clearly not the one that's biased, you are. Look, if you have built up California into some mythical place so sacred that you are so clearly willing to do mental gymnastics you are demonstrating in order to make reality conform with your personal notions, great. But for everyone else, the ""math"" (as in actual math, not changing the numbers around until it makes sense), doesnt work out."


"The wash sale rule only applies when the sale in question is at a loss.  So the rule does not apply at all to your cases 3, 4, 7, 8, 11, 12, 15, and 16, which all start with a gain.  You get a capital gain at the first sale and then a separately computed gain / loss at the second sale, depending on the case, BUT any gain or loss in the IRA is not a taxable event due to the usual tax-advantaged rules for the IRA. The wash sale does not apply to ""first"" sales in your IRA because there is no taxable gain or loss in that case.  That means that you wouldn't be seeking a deduction anyway, and there is nothing to get rolled into the repurchase. This means that the rule does not apply to 1-8.  For 5-8, where the second sale is in your brokerage account, you have a ""usual"" capital gain / loss as if the sale in the IRA didn't happen. (For 1-4, again, the second sale is in the IRA, so that sale is not taxable.) What's left are 9-10 (Brokerage -> IRA) and 13-14 (Brokerage -> Brokerage).   The easier two are 13-14.  In this case, you cannot take a capital loss deduction for the first sale at a loss.  The loss gets added to the basis of the repurchase instead.  When you ultimately close the position with the second sale, then you compute your gain or loss based on the modified basis.  Note that this means you need to be careful about what you mean by ""gain"" or ""loss"" at the second sale, because you need to be careful about when you account for the basis adjustment due to the wash sale. Example 1: All buys and sells are in your brokerage account.  You buy initially at $10 and sell at $8, creating a $2 loss.  But you buy again within the wash sale window at $9 and sell that at $12.  You get no deduction after the first sale because it's wash.  You have a $1 capital gain at the second sale because your basis is $11 = $9 + $2 due to the $2 basis adjustment from wash sale. Example 2: Same as Example 1, except that final sale is at $8 instead of at $12.  In this case you appear to have taken a $2 loss on the first buy-sell and another $1 loss on the second buy-sell.  For taxes however, you cannot claim the loss at the first sale due to the wash.  At the second sale, your basis is still $11 (as in Example 1), so your overall capital loss is the $3 dollars that you might expect, computed as the $8 final sale price minus the $11 (wash-adjusted) basis. Now for 9-10 (Brokerage->IRA), things are a little more complicated.  In the IRA, you don't worry about the basis of individual stocks that you hold because of the way that tax advantages of those accounts work.  You do need to worry about the basis of the IRA account as a whole, however, in some cases.  The most common case would be if you have non-deductable contributions to your traditional IRA.  When you eventually withdraw, you don't pay tax on any distributions that are attributable to those nondeductible contributions (because you already paid tax on that part).  There are other cases where basis of your account matters, but that's a whole question in itself - It's enough for now to understand 1. Basis in your IRA as a whole is a well-defined concept with tax implications, and 2. Basis in individual holdings within your account don't matter. So with the brokerage-IRA wash sale, there are two questions:  1. Can you take the capital loss on the brokerage side?  2. If no because of the wash sale, does this increase the basis of your IRA account (as a whole)?  The answer to both is ""no,"" although the reason is not obvious. The IRS actually put out a Special Bulletin to answer the question specifically because it was unclear in the law. Bottom line for 9-10 is that you apparently are losing your tax deduction completely in that case. In addition, if you were counting on an increase in the basis of your IRA to avoid early distribution penalties, you don't get that either, which will result in yet more tax if you actually take the early distribution. In addition to the Special Bulletin noted above, Publication 550, which talks about wash sale rules for individuals, may also help some."


Isn't that the very definition of civilization - banding together and making choices for the betterment of *society*, even while possibly *not* the betterment of *every* individual?   The truth is we all do this everyday. I guarantee that you inadvertently made a decision that pissed on some poor souls day yesterday, and you probably did it with the best intentions for you and yours...   And here is an example that I am sure you will be thrilled about:  eminent domain. It almost always sucks for the land owner, but if done right can benefit society at large greatly.


I would be very cautious about investing any more funds into the S&P500 at this stage. You are quite correct in your observation with the charts regarding the 2001 and 2008 crashes, and below is the chart of the S&P500 over the last 20 years with some indicators on it.  The green line on the price chart is the 100 week Moving Average (MA) and the pink line below the price chart is the Moving Average of the Rate of Change (ROC) Indicator. In general the market is moving up if price is above the 100 week MA and the ROC is above 0%, and vise-versa the market is moving down if price is below the 100 week MA and the ROK is below 0%. Both times in 2001 and in 2008 when prices broke below the 100 week MA and then the ROC crossed below the zero line, well we all know what happened next. In 2001 prices kept falling and the ROC didn't cross back above zero for about 2.5 years, in 2008 much the same happened and the ROC didn't cross back above zero for over 20 months. Now as we are reaching the end of 2015 prices have once again broken below the 100 week MA and the ROC is just above the zero line quickly heading down towards it. If you have a 5 to 8 year time frame, and prices do continue to fall much further after the ROC crosses below the zero line, your current funds and any new funds you invest in this ETF will potentially see heavy losses for the next one to two years and then take another year to two years or more to recover to current levels. This means that your funds will potentially have no gains at all in 5 or 6 years time. A better option is to get out of the market once the ROC crosses below zero and then look to get back in once the recovery has started, when the ROC crosses back above the Zero line. You might be out of the market for a year or two, but once you get back in you can expect robust gains over the next 3 to 5 years. If you do get out and things reverse quite quickly you can easily just get back in. In mid-2010 and mid-2011 the price broke below the 100 week MA but the ROC remained above Zero and prices continued moving up after short corrections. In mid-2012 the ROC got very close to the Zero line but did not cross below it, and again prices continued to go up after a small correction. You should plan for the worst and be ready if it occurs. If you don't plan you're just hoping and hoping is what will keep you awake at night whist things are going against you.


None of your options or strategies are ideal. Have you considered looking at the stock chart and making a decision? Is the price currently up-trending, or is it down-trending, or is it going sideways? As Knuckle Dragger mentions, you could just set a limit price order and if it does not hit by Friday you can just sell at whatever price on Friday. However, this could be very damaging if the price is currently down-trending. It may fall considerably by Friday. I think a better strategy would be to place a trailing stop loss order, say 5% from the current price. If the stock starts heading south you will be stopped out approximately 5% below the current price. However, if the price goes up, your trailing stop order will move up as well, always trailing 5% below the highest price reached. If the trailing stop has not been hit by Friday afternoon, you can sell at the current price. This way you will be protected on the downside (only approx. 5% below current price) and can potentially benefit from any short term upside.


From what I'm guessing it would be pretty cheap since they already are build for a very similar industry with very similar competitive options or better options. With plants and organizations that probably have the same structure.  Could also pivot into the new market with a known date to end. Maybe being even able to turn a small profit. Which is a lot better than going bankrupt


Note that your link shows the shares as of March 31, 2016 while http://uniselect.com/content/files/Press-release/Press-Release-Q1-2016-Final.pdf notes a 2-for-1 stock split so thus you have to double the shares to get the proper number is what you are missing. The stock split occurred in May and thus is after the deadline that you quoted.


I'm calculating that to about a 7% apr, which given loan rates available today seems a bit high.   I wouldn't get too caught up on what that equates to over the life of the loan.  There are a lot of forces in play over a 30 year period, namely the time value of money.  30 years from now a dollar will be less valuable in real terms due to the forces of inflation.  At 2% per year in inflation today's $1 will be worth about $0.55 in 30 years.


"If your son endorses the check or better still, endorses it with ""for deposit only"" and places the account number in the endorsement, it's likely the bank will accept it for deposit. In this manner, you are not putting it in your account, you are putting it in his. I have a family member perform this action occasionally with zero complications and she does not have an account at the same bank."


[the Atlantic spammer's posts](http://www.reddit.com/search?q=author%3Aslaterhearst&sort=new&restrict_sr=off) there was no reason to think there was cheating, it seems he was just posting interesting articles from his site. All this talk about bots and vote rigging is completely unjustified unless Reddit knows something they aren't talking about.


I usually look at the high and low exchange rates for the last five years.  If the current rate is fairly close to the high for a trade over the past five years, then I do the trade.  If the current exchange rate is close to the low, then I wait.


Yea that example is a little skewed when you made the aum differ by 200%. Those two candidates would never apply for the same role.  Networking is essential to get you looked at but at the end of the day it is still all about risk adjusted pnl.  Not to mention that pnl is really all you have to judge a trader


Your main choices are ISAs and property. You can put over £15,000 per year into an ISA, which means over £450,000 by the time you retire, not allowing for growth in your ISA investments. But if you're paying rent, and worried about being able to pay rent when you retire, the obvious choice is to buy a flat now on a thirty-year mortgage so that you can stop paying rent and the mortgage will be paid off by the time you retire.


Transfers can be made from U.S. pension plans to Canadian RRSPs, if the following conditions are met: Way more details here: http://www.howlandtax.com/answers/05Sept21.htm And googling 'transfer 401k to rrsp' yields much fruit.


"They keep completely remaking the interface in Office.  Half of these people at their desks had issues trying to figure out the version they've been using, then they got upgraded a couple years back, and people still have more difficulty with the newer version than the old one.  We won't upgrade Office unless we have to - because no one *wants* to learn the new interface.  Users tend to become mildly proficient with the programs they have, re-arranging the entire thing fucks with them, and lowers their productivity.  It's been years and people still say to me ""I knew how to do XXX on the old one"".  Which means that MS loses sales on Office, which is the bread & butter for the whole damn company, because people don't want to deal with their changes, and IT people don't want to deal with people who can't cope with the changes."


Lots of pride in your statement... but he wrote a check that kept them afloat.  We (taxpayers) also wrote a check, but by the time that was signed by Congress, GS would already have died. Buffett's (intentional, amazing) liquidity reserves saved them first.  By analogy, Buffett threw the life preserver; the taxpayers scooped them out of the sea after the worst of the storm passed.


How you can pay your rent is really up to your landlord. They are, however, unlikely to take a credit card, for at least two reasons. Firstly they are unlikely to have the means to take electronic payment Second, and more importantly, merchants get charged a percentage of the transaction.  These fees can be quite high to them for premium cards like travel and gold cards; three, four or even five percent of the value of the transaction. This is sometimes why you see cash discounted pricing.


"There are at least three financial institutions involved here: your insurance company's bank, the money center, and your bank. Normally, they would keep records, but given that the money center didn't even ask for your signature, ""normal"" probably doesn't apply to them. Still, you can still ask them what records they have, in addition to the other two institutions; the company's bank and your bank likely have copies of the check."


An entrepreneur that makes their company massively overvalued with zero actual underlying ability to generate profit is way fucking worse than entrepreneur that never gets off the ground to begin with, because the latter doesn't lose investors tens of billions of dollars.   Travis losing a shit ton of money is not a positive sign for him as an individual.


You'd have to consult a lawyer in the state that the transaction took place to get a definitive answer.  And also provide the details of the contract or settlement agreement. That said, if you clearly presented the check as payment (verbally or otherwise) and they accepted and cashed the check, and it cleared, you should have good legal standing to force them to finalize the payment.   While they had every right to refuse the payment, and also every right to place a hold on the credit until the transaction cleared their bank, they don't have the right to simply claim the payment as a gift just because it came in a different form than they specified in the contract.  Obviously this is a lesson learned on reading the fine print though.  And, to be frank, it sounds like someone wants to make life difficult for you for whatever reason. And if that is the case I would refer back to my initial comment about contacting a lawyer in that state.


I am here to provide awesome guidance on leasing a van or car for your business. Talk about the benefits and the drawbacks.  Cash is king and if you can buy a van outright that will always be the best deal. Most people cannot do that and so leasing is the next best option in terms of business.


My guess is they’re hoping to sell that data to multiple sources, to make up for the losses on ticket sales. Obviously no business is a guaranteed success but I’m sure they researched their options and made a decision they think will lead to profitability at some point.


The safest real estate investment is to underpay.  In most areas the market is very public.   Flippers are abundant, because most people want a move-in ready home, and as it is leveraged, they will overpay for that luxury.        Buy an under market, and you are safer.  The people who lose their shirts buy new condos at market rates at the peak of the market.   At the same time, people are purchasing starter homes that need a little work, and stay well above water.       Always remember you can't change the location of a home, but you can change almost everything else.   Find a well located but beat up home priced well under market, and financially you will generally do very well.


"There is so much wrong in what you wrote.   A) You keep saying that it isn't right or good to do what you are advocating, implying that you are being forced to do it. The laws of capitalism are not ironclad, we live in a society that gives us the means to set ground rules. And even without these ground rules, a company could decide to set a higher standard, and many have in the past.  B) The existence of outsourcing doesn't apply here. You can't outsource a walmart cashier.  C) Even if outsourcing was part of the equation just saying ""well it is all fucked"" isn't the answer. There are ways around this from fighting for labor rights across the world, to less savory ideas like tariffs.   D) WTF does ""fiscally sensible (although not so much in the United States, in some cases)"" even mean? You seem to be implying that the US is horribly fiscially irresponsible in comparison to other countries. Have you heard of: Greece, Ireland, Portugal, and Spain? Also, going back to your argument that fair labor laws are impossible have you looked at Germany?  Edit: Also, Walmart employees are unionized everywhere outside of North America."


You assume a high IQ will be a requisite of having a value-add position in the future economy when there is absolutely nothing to show that will be the case.  You understand that Amazon employs PLENTY of people in positions requiring little to no specialized skills, correct?  Along with a myriad of other companies which are coming into the economic sphere.  Police will still be a thing, firefighters will still be a thing, plumbers will still be a thing, electricians will still be a thing, carpenters will still be a thing, construction workers will still be a thing.  Everything you're saying now was espoused during the industrial revolution, and little of it ever came to fruition.


The goal of the kelly criterion strategy is to find a balance between preservation of starting capital and returns. One of extreme you could bet the entirety of your account on one trade, which would maximize your returns if you win, but leave you unable to further invest if you lose. On the other extreme, you could bet the smallest amount of capital possible over the course of several trades to increase the probability that you'll even out to 70% accuracy over time. But this method would be extremely slow.  So for your case, investing 40% each time is one way to find an optimal balance between these two extremes. Use this as a rule of thumb though, because your own situation and investing goals may differ from the goal of  optimal growth.


This is the path Africans Americans had traveled in the US *in the land* where all men are created equal. If you are a white American was your ancestors journey in America just as arduous?    https://www.theatlantic.com/magazine/archive/2014/06/the-case-for-reparations/361631/ * Two hundred fifty years of slavery.  * Ninety years of Jim Crow.  * Sixty years of separate but equal.  * Thirty-five years of racist housing policy.


Quite interesting. Personally, I have been against gender quotas... or quotas for any specific demographic.   I have always had the impression that by making 50/50 rules, you may change what the most apparent outcome looks like but you won't affect the underlining problems. Therefore we should focus on the individual competency and work from the ground up instead.  That said, I'm finding more interesting evidence that gender quotas have much deeper effects in reforming institutions and replacing unfit politicians.  I have also stumbled upon other different working papers lately that support this notion.   I may have to reconsider what I thought.


"I've done various side work over the years -- computer consulting, writing, and I briefly had a video game company -- so I've gone through most of this. Disclaimer: I have never been audited, which may mean that everything I put on my tax forms looked plausible to the IRS and so is probably at least generally right, but it also means that the IRS has never put their stamp of approval on my tax forms. So that said ... 1: You do not need to form an LLC to be able to claim business expenses. Whether you have any expenses or not, you will have to complete a schedule C. On this form are places for expenses in various categories. Note that the categories are the most common type of expenses, there's an ""other"" space if you have something different. If you have any property that is used both for the business and also for personal use, you must calculate a business use percentage. For example if you bought a new printer and 60% of the time you use it for the business and 40% of the time you use it for personal stuff, then 60% of the cost is tax deductible. In general the IRS expects you to calculate the percentage based on amount of time used for business versus personal, though you are allowed to use other allocation formulas. Like for a printer I think you'd get away with number of pages printed for each. But if the business use is not 100%, you must keep records to justify the percentage. You can't just say, ""Oh, I think business use must have been about 3/4 of the time."" You have to have a log where you write down every time you use it and whether it was business or personal. Also, the IRS is very suspicious of business use of cars and computers, because these are things that are readily used for personal purposes. If you own a copper mine and you buy a mine-boring machine, odds are you aren't going to take that home to dig shafts in your backyard. But a computer can easily be used to play video games or send emails to friends and relatives and lots of things that have nothing to do with a business. So if you're going to claim a computer or a car, be prepared to justify it. You can claim office use of your home if you have one or more rooms or designated parts of a room that are used ""regularly and exclusively"" for business purposes. That is, if you turn the family room into an office, you can claim home office expenses. But if, like me, you sit on the couch to work but at other times you sit on the couch to watch TV, then the space is not used ""exclusively"" for business purposes. Also, the IRS is very suspicious of home office deductions. I've never tried to claim it. It's legal, just make sure you have all your ducks in a row if you claim it. Skip 2 for the moment. 3: Yes, you must pay taxes on your business income. If you have not created an LLC or a corporation, then your business income is added to your wage income to calculate your taxes. That is, if you made, say, $50,000 salary working for somebody else and $10,000 on your side business, then your total income is $60,000 and that's what you pay taxes on. The total amount you pay in income taxes will be the same regardless of whether 90% came from salary and 10% from the side business or the other way around. The rates are the same, it's just one total number. If the withholding on your regular paycheck is not enough to cover the total taxes that you will have to pay, then you are required by law to pay estimated taxes quarterly to make up the difference. If you don't, you will be required to pay penalties, so you don't want to skip on this. Basically you are supposed to be withholding from yourself and sending this in to the government. It's POSSIBLE that this won't be an issue. If you're used to getting a big refund, and the refund is more than what the tax on your side business will come to, then you might end up still getting a refund, just a smaller one. But you don't want to guess about this. Get the tax forms and figure out the numbers. I think -- and please don't rely on this, check on it -- that the law says that you don't pay a penalty if the total tax that was withheld from your paycheck plus the amount you paid in estimated payments is more than the tax you owed last year. So like lets say that this year -- just to make up some numbers -- your employer withheld $4,000 from your paychecks. At the end of the year you did your taxes and they came to $3,000, so you got a $1,000 refund. This year your employer again withholds $4,000 and you paid $0 in estimated payments. Your total tax on your salary plus your side business comes to $4,500. You owe $500, but you won't have to pay a penalty, because the $4,000 withheld is more than the $3,000 that you owed last year. But if next year you again don't make estimated payment, so you again have $4,000 withheld plus $0 estimated and then you owe $5,000 in taxes, you will have to pay a penalty, because your withholding was less than what you owed last year. To you had paid $500 in estimated payments, you'd be okay. You'd still owe $500, but you wouldn't owe a penalty, because your total payments were more than the previous year's liability. Clear as mud? Don't forget that you probably will also owe state income tax. If you have a local income tax, you'll owe that too. Scott-McP mentioned self-employment tax. You'll owe that, too. Note that self-employment tax is different from income tax. Self employment tax is just social security tax on self-employed people. You're probably used to seeing the 7-whatever-percent it is these days withheld from your paycheck. That's really only half your social security tax, the other half is not shown on your pay stub because it is not subtracted from your salary. If you're self-employed, you have to pay both halves, or about 15%. You file a form SE with your income taxes to declare it. 4: If you pay your quarterly estimated taxes, well the point of ""estimated"" taxes is that it's supposed to be close to the amount that you will actually owe next April 15. So if you get it at least close, then you shouldn't owe a lot of money in April. (I usually try to arrange my taxes so that I get a modest refund -- don't loan the government a lot of money, but don't owe anything April 15 either.) Once you take care of any business expenses and taxes, what you do with the rest of the money is up to you, right? Though if you're unsure of how to spend it, let me know and I'll send you the address of my kids' colleges and you can donate it to their tuition fund. I think this would be a very worthy and productive use of your money. :-) Back to #2. I just recently acquired a financial advisor. I can't say what a good process for finding one is. This guy is someone who goes to my church and who hijacked me after Bible study one day to make his sales pitch. But I did talk to him about his fees, and what he told me was this: If I have enough money in an investment account, then he gets a commission from the investment company for bringing the business to them, and that's the total compensation he gets from me. That commission comes out of the management fees they charge, and those management fees are in the same ballpark as the fees I was paying for private investment accounts, so basically he is not costing me anything. He's getting his money from the kickbacks. He said that if I had not had enough accumulated assets, he would have had to charge me an hourly fee. I didn't ask how much that was. Whew, hadn't meant to write such a long answer!"


"Asset management typically refers to the ""product""  group e.g. Mutual fund, etf, etc., like invesco offering qqq or some emerging market mutual fund.  Capital management is more vague and can refer to a wide range of financial products and services including asset management and stuff like ptfl planning, wealth advisory etc.  That said they are both used interchangeably and not like anyone would correct you if you used one vs the other..."


"Check out the Mortgage Professor's website, in particular Calculator 11a: Who This Calculator is For: Borrowers who want to know whether they   will save or lose money over a specified period by paying points in order   to reduce the interest rate on an FRM. What This Calculator Does:This calculator shows the costs and benefits   of paying points to reduce the rate on an FRM, and the minimum period   they must hold an FRM before it makes sense to pay   additional points (the ""break-even period"")."


of course the value will be non zero however it would be very small, as all the countries would not leave at once...  if its a piig holding the bag it would fall precipitously, if its a AAA (non france) it would go to 1.5  Its very path dependent on whom leaves when


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"I think maybe a disconnection of understanding of friends? I could see a lot of women thinking ""I have so many friends, they all love me, and will totally get rich with me!""  Personally I know for a fact I really only have like 4 friends and they sure as hell wouldn't join a mlm with me.  I think dudes may be more in touch with the fact the 800 people on facebook aren't really our friends?"


Compound Stock Earnings teaches how writing covered calls against stocks the correct way provides 3 - 6% per month consistent cash flow - regardless of market direction. This cash flow can provide income in retirement or, alternatively, can be reinvested on a monthly basis to dramatically compound the growth of a stock portfolio.


There's someone on both sides of every derivatives trade. When volatility goes up, risk goes up, and prices go up. For every dollar lost when that price changes quickly, someone is making a dollar just as quickly. If you're on the right side, you can make a fortune overnight in derivatives when volatility is high; during a normal market, it is much harder and takes much longer.


You're not proving anything by showing me the job specs. I'm completely aware that there aren't high requirements for getting the job. What you don't understand since live in a world where your resume gets you in the door is that the difficulty of a job, the skill required to do it well, and the pay required to keep a guy doing it day in and day out for 30 years doesn't always depend on any kind of credential that would show up on paper.  And just for the record, Boeing's thousands of union professional and technical aeronautical engineers would like to have a word with you about lack of credentials required to get a union job at Boeing, if we're going to split hairs.


On most proxy statements (all I have ever received) you have the ability to abstain from voting.  Just go down the list and check Abstain then return the form.  You will effectively be forfeiting your right to vote. EDIT: According to this, after January 1, 2010 abstaining and trashing the voting materials are the same thing.  Prior to January 1, 2010 your broker could vote however they wanted on your behalf if you chose not to vote yourself.  The one caveat is this seems to only apply to the NYSE (unless I am reading it wrong).  So not sure about stocks listed on the NASDAQ.


I've found the same thing - Sears tends to be at least 10% more expensive than any other store here in Canada.   In a day where you can sit on your sofa and compare prices, Sears just isn't competitive on any level.    I've only ever bought one item from Sears in the last three years, and it was because it was a cashmere jacket that was 70% off.


Is this practice of support for women on maternity leave across the board for all Yahoo employes or just those who are CEOs?  The rules maybe in the employee manual but is this cultural accepted at Yahoo in general? Because CEO’s are treated quite differently than the rest of the employees and is Marissa Mayer being treated differently because of her celebrity status?


"Cars depreciate and lose value the second you drive off the lot. Why lose money?  Foreign cars require too much maintenance. What will kill your wallet will be the maintenance on the car, not the payment. Think tires, oil changes, spark plug changes, transmission oil changes, filter changes, brake changes, cost of maintaining is the expensive part. Call the dealer speak to the servicing dept, and go to town. Ask away what all this costs. Basic stuff you expect to have, and find out what the cost of owning that car. Then ask yourself, ""should I buy it?""."


- Would you want to work in an environment where your pay drops significantly if a large client leaves? You do nothing wrong, the client goes bankrupt, and you're assigned the work of smaller accounts to fill out your work week but you're making 15% less despite being more experienced than the year before and doing a great job.  - Whoever is handling assignments would be granted an obscene amount of power within the organisation. How do accounts get shuffled fairly? Are people assigned permanently or do they get shuffled around to even things out?  In short, your idea could be very good for the company, but terrible for the employees. Innovation would stagnate (or be kept to each employee in the hopes of gaining an edge), office politics would increase, and the environment could turn toxic quickly. Turnover would probably increase as well.


I think it should be the amount which makes you feel satisfied, strong and brave for the future.


"This is the best tl;dr I could make, [original](https://www.aier.org/blog/academics-lift-veil-medical-protectionism) reduced by 79%. (I'm a bot) ***** > In 2011 a total of 538 items required a CON license, and 37 states were enforcing CON laws.  > Non-CON states provide higher-quality services, and the costs of unregulated medical care have not risen dramatically, as claimed by proponents of CON programs.  > According to him, &quot;So-called &#039;certificate of need&#039; laws increase costs for consumers by protecting inefficient hospitals and other health care providers from competition. The theory behind such laws is that since the government has completely unleashed demand by insulating consumers from the cost of their health insurance and medical care, the government must contain supply to keep spending from getting out of hand.""   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/70ixsd/academics_lift_the_veil_on_medical_protectionism/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~211185 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*: **laws**^#1 **CON**^#2 **state**^#3 **care**^#4 **Health**^#5"


Sale price minus the loan balance, minus any closing costs is your net.  The numbers don't care whether you have a profit or loss, nor does the bank. People buy too high, pay a mortgage for 10 years, and walk away from the closing with little to no money, every day.