It's a tech buzzword. OK I'm being a bit glib.  A Wealth Management Platform is a software system designed to help people track their investment portfolios and research new investments.  Sometimes, trusts and small investment firms will use these platforms as well but they will often have more specialized separate systems for portfolio tracking and research. There is a large variety of platforms out there all trying to be the best platform for you... or someone else.  Some will have websites and be open to all with money and some will be applications and only target some types of investors.  Some will have robo-advising (Wealthfront), a human adviser (Merrill) or have none at all.  Some will have nice graphical tools to track your portfolio or great research tools or both (I try not to recommend products on this site).  Some can be designed to nudge you into their ideology (Vanguard). All, though, have a technology team behind them to make investing easier for you (or their investment advisers) or to sell you their products.  You get the picture.


"Yes and no.  Yes, because realism dictates that all humans ARE naturally ""independent"" (and pragmatically whatever works, works, ergo most ""rules"" are *going to be* broken, ergo the fewer the better);   But at the same time, No... because in many ways social creatures (among whom humans -- especially ""civilized"" {aka technology using} humans -- are certainly one, if not THE most ""socially"" interactive and interdependent) -- and all societies have social ""rules"" (which while they are going to be broken, will be largely obeyed to the benefit of the majority).  But NEITHER the the libertarian/anarchistic dogma (like all other ""utopian"" ideals, including the socialistic/communistic/egalitarian dogma) are realistic nor pragmatic -- they simply don't work.  Now, that doesn't mean you might not see an occasional post from me in some ""Libertarian"" thread; but it probably won't be of the type that you are used to seeing (like [this one for example](http://www.reddit.com/r/Libertarian/comments/v1zn7/thought_experiment_libertarian_justification_of/)), because I am capable of comprehending and looking at things from multiple perspectives (including the ""Libertarian"" mindset, as well as the ""socialist"" ones, etc).  ---  EDIT: BTW, I noticed a couple of your posts in this little sequence had been downvoted to zero -- not only was that NOT me, I have upvoted you (hopefully taking them back to +1) -- because this is a nice, civil conversation, and I am enjoying the back and forth, regardless of whether we continue to disagree."


A market downturn is a great opportunity to pick up valuable stocks at low prices but do note that this is quite a risky proposition and requires abundant research. But again, as is mentioned in previous answers, the start of the downturn is evident only in hindsight, and it is always advisable to have a balanced/diversified portfolio, risking only what you can afford to lose. In any case, indices like Dow Jones, NASDAQ, S&P500 are calculated on the basis of only a few companies that broadly represent their individual sectors.


"I've hired a lawyer to make sure all the T's are crossed.   - I am not charging my employer for the service. I created a ""Free tier"" that fits the scale of my employer, and implemented it that way for them. Larger government bodies are paying for the higher tiers. On multiple levels, i've been sure that nothing conflicts with either our purchasing policy, or any written employee policies.    - I did 100% of the work on my own time and using my own resources. I was extremely careful to ensure this was the case. There is no clause anywhere in my employment agreement that says the company owns anything I do outside of company time. Believe it or not, this is actually less of an issue for a government body because the government doesn't exist to make a profit from services, and because they are getting an expensive service for free, it's actually a significant net benefit for them.  I certainly would be at a significantly higher risk if I was working for a for-profit corporation as they certainly would try to go after me.    - I was also careful in how the software was presented. While I agree there is a level of a obfuscation without a doubt, I've confirmed it certainly not a legal issue for the company, nor is it grounds for a lawsuit, and likely not even grounds for termination (although at this point, I don't really care as I have bigger fish to fry)"


I'm really unsure what you are trying to tell me. I don't see how knowing CEOs would aid me in forming an opinion on this issue.  Your second statement is simply foolish, shares of a company, represent ownership. Therefore shareholders are the owners.  These shareholders elect a board, this board acts like a proxy between the managers (CEO's) and the owners (shareholders).  This is how every public company operates.   The problem that arises is that managers have an incentive to act in their own best interests, not in the interests of shareholders.  So to solve this manager compensation is aligned with company performance so that if the shareholders are better off the managers are better off.


> Stockpiled as treasuries, which are a debt security, they are liabilities.  When they put their US dollars into treasuries it's no different than moving a balance from checking to savings.   >You're making the case that as the gov't spends it's ability to spend increases as the economy grows? It's not like we're flipping a switch and turning on a light bulb  It's like we're carrying out public purpose and also provisioning the money to accommodate growth.


Best Linux software is PostBooks. It is full double entry, but there is definitely a learning curve.  For platform-agnostic, my favorite is Xero, which is web-based. It is full double entry balance sheet, the bank reconciliation is a pleasure to use, and they are coming out with a US version this summer. Easy to use and does everything I need.


Its also a lot easier to run an electric cable to a car than a pipe containing flammable liquid. Plus, since electricity is a utility (gas is a commodity), there is tons of room for municipal investment that will generate cash for cities down the line.   Make free parking spots for electric cars only and have people pay for the amount of power they charge onto their battery. Tack it onto their home electricity bill rather than onto a separate thing.


All4silver este un magazine online de vârf care se ocupă cu distribuția en gros de bijuterii de argint. Obiectivul nostru principal este de a oferi produse de calitate superioară &servicii de vârf pentru produsele noastre. Comanda minimă de 440 de lei, pentru a vă califica în vederea obținerii de reduceri și transport gratuit!


This depends on whether you are interested in having two partners in the same company. Either way, each software should get its own business for liability etc. However, the parent company can be with three partners. Just makes sure you get voting control in the agreements.


That's true, it definitely depends on the ambient temperature.  The dew point is the temp at which water condenses (or evaporates, depending on which way your going on the scale) and is dependent on the relative humidity.  When relative humidity goes up, the dew point goes up.  As long as your external body temp (skin temp) is higher than the dew point, the sweat will evaporate.  Bjartr mentioned the heat index being 102°F.  This would mean you'd have to get your skin temp higher than 102°F which would mean your core temp is even higher (dangerously high).  This is one of the major advantages of moisture-wicking clothing.  It removes the sweat from your skin when evaporation isn't good enough and helps cool you faster.


"Is playing the lottery a wise investment? --Probably not.  Is playing the lottery an investment at all? --Probably not though I'll make a remark on that further below.  Does it make any sense to play the lottery in order to improve your total asset allocation? --If you follow the theory of the Black Swan, it actually might.  Let me elaborate. The Black Swan theory says that events that we consider extremely improbable can have an extreme impact. So extreme, in fact, that its value would massively outweigh the combined value of all impacts of all probable events together. In statistical terms, we are speaking about events on the outer limits of the common probablity distribution, so called outliers that have a high impact.  Example: If you invest $2000 on the stock market today, stay invested for 20 years, and reinvest all earnings, it is probable within a 66% confidence interval that you will have an 8 % expected return (ER) per year on average, giving you a total of roughly $9300. That's very much simplified, of course, the actual number can be very different depending on the deviations from the ER and when they happen. Now let's take the same $2000 and buy weekly lottery tickets for 20 years. For the sake of simplicity I will forgo an NPV calculation and assume one ticket costs roughly $2. If you should win, which would be an entirely improbable event, your winnings would by far outweigh your ER from investing the same amount.  When making models that should be mathematically solvable, these outliers are usually not taken into consideration. Standard portfolio management (PM) theory is only working within so called confidence intervals up to 99% - everything else just wouldn't be practical. In other words, if there is not at least a 1% probability a certain outcome will happen, we'll ignore it. In practice, most analysts take even smaller confidence intervals, so they ignore even more.  That's the reason, though, why no object that would fall within the realms of this outer limit is an investment in terms of the PM theory. Or at least not a recommendable one. Having said all that, it still might improve your position if you add a lottery ticket to the mix. The Black Swan theory specifically does not only apply to the risk side of things, but also on the chance side. So, while standard PM theory would not consider the lottery ticket an investment, thus not accept it into the asset allocation, the Black Swan theory would appreciate the fact that there is minimal chance of huge success.  Still, in terms of valuation, it follows the PM theory. The lottery ticket, while it could be part of some ""investment balance sheet"", would have to be written off to 0 immediately and no expected value would be attached to it. Consequently, such an investment or gamble only makes sense if your other, safe investments give you so much income that you can easily afford it really without having to give up anything else in your life. In other words, you have to consider it money thrown out of the window.  So, while from a psychological perspective it makes sense that especially poorer people will buy a lottery ticket, as Eric very well explained, it is actually the wealthier who should consider doing so. If anyone. :)"


My understanding (I am not a lawyer or tax expert) is that you are not allowed to work for free, but you can pay yourself minimum wage for the hours worked. There are probably National Insurance implications as well but I don't know. The main thing is, though, that if HMRC think that you've set up this system as a tax avoidance scheme then they're allowed to tax you as though all the income had been yours in the first place. If you are considering such a setup I would strongly advise you to hire a qualified small business accountant who will be familiar with the rules and will be able to advise you on what is and is not possible / sensible. Falling outside the rules (even inadvertently) leaves you liable to a lot of hassle and potentially fines etc.


>I know people who have worked at one warehouse for over 10 years and never considered leaving because the company makes them feel wanted.  Does Amazon hand out free Kool-Aid in the warehouse too? I've heard they treat their hourly people just as badly as Walmart does.


"The other answers have touched on amortization, early payment, computation of interest, etc, which are all very important, but I think there's another way to understand the importance of knowing the P/I breakdown. The question mentions the loan payment as ""cash outflow"". That is true, but from an accounting perspective (disclaimer: I am not an accountant, but I know enough of the basics to be dangerous), the outflow needs to be directed to different accounts. The loan principal appears as a liability on your personal balance sheet, which you could use, for example, in determining net worth. The principal amount in your payment should be applied to reduce the liability account. The interest payment goes into the expense account.  Another way to look at it is that the principal, while it does reduce your cash account, can be thought of as an internal transfer to the liability account, thus reducing the size of the liability. The interest payment cannot. Aside: From this perspective, the value of the home is an asset, and the difference between the asset account and the loan liability account is the equity in the house (as pointed out in different language by the accepted answer). Of course, precisely determining the value of an illiquid asset like a house at any given moment pretty much requires you to actually sell it, so those accounts are hard to maintain in real-time (the liability of the loan is much easier to track)."


Missing: Respect. Respect my abilities and respect my time.  I can't tell you how many projects I've been given as a priority, I move them to the top of the list and get them done ahead of schedule only to see the finished work sit around unused.


"It's not about emotions at first. Humans are easily corrupted, our systems and games easily rigged and cheated. Ideologies perverted and prophets obscenely used by ""interests"". Corporations regulatory capture is an emergent phenomenon, just as bribe taking of Congress. (I assume you're familiar with [the material](http://blip.tv/lessig/republic-lost-my-favorite-version-5697728), but maybe not everyone.)  So, it's about your neighbor who allows the kids to get dumb on TV whole day, you when you allow others to spout retrograde bullshit, me when I cop out and do the same with my family, and so everyone else has the shared burden, some are completely unaware of course on their subtle yet important influence on our cultural trajectory. (And now you can just hate everybody for the right reasons!)"


Sabotage? Nobody works for a company if they don't think it's worth it. You're saying it's my job and your job to make sure Susie over there is taken care of. This is a real world, it just doesn't work like that.


> Bernie Fucking Sanders. Elizabeth Warren? Ron Paul? Dennis Kucinich? .... you're obviously a corporate apologist.  You assume a lot about me. I was involved in the Bernie Sanders and Ron Paul campaign in Austin and Dallas. Neither candidate made Texas ballot. You probably already know I didn't vote in those elections.  Fun fact, Ron Paul was two days past deadline for petition to ballot access, Texas rejected and took him off the ballot.  Obama was 20+ days past the deadline -- yet he was on the ballot anyway.


Get the attractive and very beautiful flowers gift by the great florist deliver in Australia, we have good capabilities to design the stylish flower gift in professional form. There are a lot of flower deliver available here, but we are unique gift supplier and make the happiness events. Therefore so many our clients can expect more from Rustic Posy.   We have the largest collection of everything gift, whenever you want to buy unique gifts so you can come here or you can order online and select the most todays flowers. It has been  become very popular place in the Australia. As you know, there is a basic need of flowers in a function and party for decoration. We fulfil the requirements and send them fresh flowers.


I love mint.com, it fulls in your information from all your accounts automatically, let's you know where you spend your money and what your net worth is.


"That would require a lot of foresight and negotiations in order to have the government comandeer no less than five (Delta, United, Jet Blue, American, Spirit, etc) major corporations and get them to agree to reimbursement.   I don't disagree that flying people out at no cost to the traveler is a great idea but the logistics are far more complicated than ""let the government handle it"""


"TBF - Proshares short 20+ Year Treasury  The TBF fund is designed to track (hopefully) 100 percent of the inverse daily returns of the Barclays Capital 20+ Year U.S. Treasury Index.  there's some risk of tracking error, and also a compounding effect if it's down several days in a row.  (invest with care)   There's also a TBT fund, but the risks are even greater since it is leveraged,  potentially you could make the right long term call, but lose a lot in the short term due to tracking error and effect of compounding) (that would tend to make this one more appropriate for short term 'bets' on interest rates, and less so for a long term investor) There are also quite a few floating rate closed-end funds (Click here, then click on ""loan participation funds"") that should do well in a rising rate environment. Just beware that these funds seem to incorporate a substantial amount of credit risk as well as floating interest rate exposure. Closed end funds trade a lot like securities, since the fund is closed, you have to buy shares from another owner that is selling (just like with stocks), that means the shares can sometimes trade above or below the underlying value of the actual assets held by the fund depending on buying/selling pressure and the relative liquidity of a given fund."


When I was a kid, the sets were built, then taken apart, thrown in a big box, and rebuilt 100s of times into 100s of different things. Now they get built once, and sit on a shelf as decorations. IMO lego lost its way when it moved away from a 'bucket of discovery' , toward branded show pieces. Thankfully I still have my 40 year old bucket of lego our kids can still innovate and explore with...that bucket sees far more use than any set we've bought in recent years.


>[**Новая игра, проверка выплат! Лучшая экономическая игра с выводом денег! Зарабатывай играючи ! [2:08]**](http://youtu.be/m5ZDQhYhgJ8)  >>Привет друзья!В этом Видео, будет новая экономическая игра, от проверенного админа! Часть вторая! Выплаты!  > [*^Финансовый ^Вектор*](https://www.youtube.com/channel/UCAOABF2yT1SjVqI7RK9aIUg) ^in ^People ^& ^Blogs  >*^2 ^views ^since ^Oct ^2017*  [^bot ^info](/r/youtubefactsbot/wiki/index)


Pssh, I'm already boycotting Burger King because their food tastes like shit. Tim Hortons coffee and pastries on the other hand... I wish there were more Tim's here in the States. It is essentially Dunkin' Donuts but I really like their pastries.


Short term: ask for a raise or look for a new job that pays more. Longer term:


Hey man ive beem to siem reap and angkor wat, womderful place to visit! The best thing you can do is give a price for the very first thing. Like 5 dollars anywhere in siem reap 20 bucks to go to angkor wat. Put prices on the side of your tuk tuk so you dont have to negotiate. Thats the biggest reason i didnt want rides because i didnt want to negotiate. Good luck dude


The point is, they shouldn't be taxing it at all. The US's fair share of that revenue is 0%. It's wasn't produced via their infrastructure or anything. It's pure double dipping. It's not up to the US to determine it's fair share of someone else's pie. It's pure American arrogance: interfering in business in other countries.


First thing, ask your real estate agent who should have been involved in writing the contract, and can explain your options regarding the contingency. That being said... The inspection report is the decision point. For every issue/problem mentioned you have decide: Ignore; have the seller fix; have the seller give you money to fix; have the seller drop the price; or walk away. Minor things you can have the seller fix. They need to be done, but they can be done by the seller.  Expensive things that are difficult to estimate the price in advance should also be done by the seller. The difficultly estimating the cost to repair will make it risky for you to negotiate a price break.  Getting a credit of $1,000 when it ends up costing you $20,000 is something you want to avoid. For items that you want to do the fix yourself you want money at closing to do them, or ask for a price break. Items in this category include replacing an appliance. You can take the money and get exactly the one you want, or let the seller of the house buy one that has the least options and won't match the color. Buyers also take this option when they were going to renovate soon anyway. Walking away. This happens when there is a large expensive issue that is hard to fix. Or a very large list of mid-size problems. Issues in this category can include foundation cracks, major electrical problems, extensive leaks, mold. It can also include beautifully constructed additions that aren't up to code and were done without permits and inspections.   Which category is your Radon in? You need to ask your agent, and read the inspection report. The agent can explain your options, and how likely the seller will be to agree. They can also tell you how likely you are to not lose the deposit if you do walk away.


This is in the balance sheet, but the info is not usually that detailed. It is safe to assume that at least some portion of the cash/cash equivalents will be in liquid bonds. You may find more specific details in the company SEC filings (annual reports etc).


Corporations are taxed on their profits.  Multinational corporations can report their profits in any country they have operations, regardless of where they made the sale.  In other words, it's impossible to nail down exactly where a company 'made it's money'.  So the US doesn't try, we just tax them on earnings everywhere, minus taxes paid elsewhere.  edit for clarity


Five semesters starting with cal I would give you an extra step past diff eq.  I recommend doubling up.  You will most likely need up through diff eq, linear alg, and real analysis.  That's for the bare-bones minimum math level.  If you can squeeze in an advanced prob/stat course you'll probably be in good shape for all but the most intense PhD programs.


Going from personal experience, my parents let my brother and me borrow money from them all the time. However there was always some noteworthy things to take into account. As an example, I borrowed a large sum of money on my student loan (we will just say it was $50,000). I had saved nearly $30,000 on my own and my parents lent me $10,000. I paid the remaining off over the course of about a year and a half. After this loan was paid off - I started paying my parents back. They dictated that I should not worry about paying them until my other interest loans were paid off. Once they were, my priority was to pay back my parents. Its supposed to help your children get ahead a little bit rather then sucking out interest from them. As long as the money was not needed elsewhere and is spent on something important I would not worry about it. Just make sure they are aware they are expected to pay it back in a reasonable amount of time or with specific requirements (such as after other loans are paid off).


Stock issuing and dilution is legal because there must be some mechanism for small companies to grow into big companies. A company sees a great investment opportunity.  It would be a perfect extension of their activities ... but they cannot afford it. To get the necessary money they can either take out a loan or issue shares. Taking a loan basically means that this is temporary, but the company will go back to being small when the loan is paid back. Issuing new shares basically means that the Board means that this growth is permanent and the company will be big for the foreseeable future. It is utterly necessary that companies have this option for raising cash, and therefore it is legal. As detailed in the other answers, you end up with a smaller percentage of a larger company, usually ending up with more or less the same value.


Not likely, but there has been minor pressure to get white collars to unionize. So their second headquarters should probably be outside of a state like Michigan that has some extra rules which exist presumably because they are favorable to labor.


"Why?  I did comp sci and have an MBA. I also do EMT work as a volunteer in a rural community.  Do my toes are in both pools.  I would really question deeply the motives from moving to business from medicine.  Despite the articles you see, an MBA is hardly the road to riches. Most do okay. Top tier grads are making very good money. These are also a small % of people out there working.  Even those making good money sacrifice that for really shitty hours and shit work for a while until they break into the higher earning spots.  The ""models and bottles"" is exaggerated to beg in with, and less and less common every year.  When someone asks me about getting an MBA or finance I ask why. What us their real reason. If its money, don't do it. Do it because you actual ly love the business of business. I have traded stocks since I was 12. Its always been interesting. If I forced myself to do it for the money, I'd be poor and miserable.  I am not rich. But I am comfortable and I live the life and schedule I want. None of that is from that slip of paper. The knowledge I could have (and did) get on my own.   I trade the markets, do real estate, and have 1-3 entrepreneural projects at any given time. Its the life I created for myself. I found it was really the only  way for me to get what I wanted. My goals never fit we all with institution goals.  TL;DR-  what's your motivation? Its probably a shitty move."


"I doubt it would ever make it to court. ""They printed a curse word on clothes, we did it first, we don't own a trademark on 'fuck you' but they can't do that!""  Their cease and desist had the desired effect, they took a site down with $0 court fees on their part. They win.  My point is to not necessarily be scared by cease and desists, especially in situations like these. Anyone can send them. There are no laws broken or intellectual property infringements here."


This is why Singapore's economy makes the most sense, the government has a huge sovereign wealth fund where the government actually owns a sizeable portion of the economy/businesses, i believe this is called 'socialism', but done through their stock exchange (and foreign exchanges too), and the returns go back towards people's social security accounts and also funds government programs.  Norway also does something similar.


When you adjust your investments the following will happen: Initial condition: Modified condition: This means that after this change you will note that the amount of federal tax you pay each month via withholding will go up. You are now contributing less pre-tax, so your taxable income has increased. If you make no other changes, then in April you will either have increased your refund by 6 months x the additional $25 a month, or decreased the amount you owe by the same amount. There is no change in the total 401K balance at the end of the year, other than accounting for how much is held pre-tax vs. Roth post-tax. Keep in mind that employer contributions must be pre-tax. The company could never guess what your tax situation is. They withhold money for taxes based on the form you fill out, but they have no idea of your family's tax situation. If you fail to have enough withheld, you pay the penalty — not the company. *The tax savings are complex because it depends on marital status, your other pre-tax amounts for medical, and how much income your spouse makes, plus your other income and deductions.


I would guess that's their response.    I could see a use for multiple accounts on a single number.  For example, I might want two different payment methods depending on if it's business related or personal.  Without someone doing data analysis, they probably never noticed it was happening.  And nobody on the design team thought of systematic fraud as a use case.


Thanks. I'm going to have them take 40% on Monday when I go to the lottery office.  I have a car payment that's been killing me, so that's the first move.  Student loans have a fairly low APR, Sotho king about keeping those to build credit.


Jesus you're impossibly dense. >I know that the Port Authority employees don't work for the city, so that's a straw man.  Then why did you write the quote below? What is the point of bringing up city workers that are not involved in the article unless you believe that the cops in the article are city workers? The only other reason would be to mislead the reader. >Presidential and statewide elections have no bearing on employment contracts for city workers.  .  >The reason you've been disingenuous is because you implied that the fact that New York City is overwhelmingly Democratic has any bearing over the control of the New York State Legislature, or the Governorship, when this is clearly not the case.  Are you serious? NYC has 8mm of the 19mm NY state residents. This equates to almost half of the votes in statewide races, not to mention the majority of the political funding. This has a large bearing on who gets elected to statewide office.  >Even so, the current state of the Port Authority was shaped by more than the past 5 years, and to imply otherwise is also disingenuous.  To imply that the executive director for the last 5 years should shoulder some of the blame is disingenuous? Who is to blame then? The last executive director, Anthony Shorris was also appointed by a democrat. You're going to have to do a lot of lying and reaching to falsely blame this on a republican. You've clearly made up your mind without knowing any of the facts, and are too stubborn to learn from reality. Pretty sad. You also seem to have a very high standard for other people's posts while you outright lie in yours.


"True, I'm studying for my second one now. I know that the exams are terrible, but that's kind of a draw-in for me. I don't go to Harvard or anything so I feel this could be my thing- an even better thing. As Tom Hanks said, ""The hard... is what makes it great.""  Why waste my one opportunity?"


"How were these customers ""cheating""?  It doesn't sound like they were hiding *anything* from Target. It sounds like they made these purchases through the regular channels and Target employees said that what they were doing was OK, so they kept doing it.   That's not cheating, that's taking advantage of a generous offer."


That's interesting, because it would seem [that China is actively spending huge sums of money on its own military right now](https://www.thecipherbrief.com/article/asia/chinas-military-goal-peer-capability-us-mid-century-1091). Combined with their more aggressive military posturing in the region leads me to believe that there is more to this than meets the eye.


This place in Dallas makes an absolute *killing* - http://www.bowlandbarrel.com/  You have to call ahead to schedule a lane and it's not cheap, it's pretty easy to spend a few hundred bucks on an evening of bowling and drinking with your friends.


"I think it could put a serious dent in Ticketmaster's profits.    At the very least, it introduces a huge competitor into a space where there pretty much isn't one, and that'll drive competition.    In the short term though, I can see Ticketmaster just increasing fees to cover the ""loss""."


"You are overlooking the fact that it is not only supply & demand from investors that determines the share price:  The company itself can buy and sell its own shares. If company X is profitable over the long haul but pays 0 dividends then either Option (2) is pretty ridiculous, so (1) will hold except in an extreme ""man bites dog"" kind of fluke. This is connected with the well-known ""dividend paradox"", which I discussed already in another answer."


Because /u/Wanderer360 is the one who turned this into a political issue, as if the monopolies mentioned in the article had suddenly sprung up on November 8th 2016. Its not a political issue, it’s a government issue, and both sides are to blame since they allowed legislation that makes it easier for monopolies to keep competitors out of a market place. If you drain the swamp, then their will be more competition.


Printed home decor is a designing element everyone chose to own these days as they give a more special feel and look to your beautiful house. They enhance the beauty of the place whatever it may be. Beach duvet are now famed well for their elegance. They make your bed a special thing to fall for. Have a look on beautiful beach duvet from our collection!


As someone actively working towards launching a business (as in, a business, not a tech startup hoping to get bought out, not a blog, etc), I’d be interested to get your take on it.  I find that most of this ‘self help’ business writing usually just pitches to people’s confirmation bias, and people actually running businesses are too busy with their business to write books and blogs about it.


If you participate, you will either get some money or some other renumeration. If you do not participate, you will not get anything. The only risk of participating is that if you have suffered actual damages, the settlement may under-compensate you. By significant, I mean thousands of dollars, since bringing suit yourself would be very expensive. Unless you can demonstrate that you have suffered from significant damages as a result of MBNA's bad behavior, joining the class to get whatever you are going to get is almost certainly a no-brainer decision.


"This is the best tl;dr I could make, [original](https://ssir.org/up_for_debate/article/impact_investing) reduced by 97%. (I'm a bot) ***** > The rapid growth of the field of impact investing has been accompanied by questions about how to assess impact, and concerns about potentially unrealistic expectations of simultaneously achieving social impact and market-rate returns.  > We introduce three basic parameters of impact: enterprise impact, investment impact, and nonmonetary impact.  > An enterprise can have impact in several ways, two of which are fundamental: product impact is the impact of the goods and services produced by the enterprise; operational impact is the impact of the enterprise&#039;s management practices on its employees&#039; health and economic security, its effect on jobs or other aspects of the well-being of the community in which it operates, or the environmental effects of its supply chain and operations.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6fc8zu/social_financial_gains_positive_externalities_of/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~136645 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **impact**^#1 **investment**^#2 **investor**^#3 **social**^#4 **enterprise**^#5"


But pennsylvania didnt pay anything. Not collecting taxes is not the same thing as paying somebody. The municipalities are investing in their future by offering lucrative deals to attract business in order to collect taxes later and benefit their citizens by providing jobs. If it doesnt work out, you dont actually lose anything because the factory didnt exist in the first place.


A very logical step for Starbucks and a smart business decision. This is especially true for the crowd that comes to hang out at their stores for the free wifi and can be there for over an hour. Having good food options will keep them there instead of making them leave to spend their money elsewhere.


This is not hypothetical, this is an accurate story. I am a long-term investor. I have a bunch of money that I'd like to invest and I plan on spreading it out over five or six mutual funds and ETFs, roughly according to the Canadian Couch Potato model portfolio (that is, passive mutual funds and ETFs rather than specific stocks). I am concerned that if I invest the full amount and the stock market crashes 30% next month, I will have paid more than I had to. As I am investing for the long term, I expect to more than regain my investment, but I still wouldn't be thrilled with paying 30% more than I had to. Instead, I am investing my money in three stages. I invested the first third earlier this month. I'll invest the next third in a few months, and the final third a few months after that. If the stock market climbs, as I expect is more likely the case, I will have lost out on some potential upside. However, if the stock market crashes next month, I will end up paying a lower average cost as two of my three purchases will occur after the crash. On average, as a long-term investor, I expect the stock market to go up. In the short term, I expect much more fluctuation. Statistically speaking, I'd do better to invest all the money at once as most of the time, the trend is upward. However, I am willing to trade some potential upside for a somewhat reduced risk of downside over the course of the next few months. If we were talking a price difference of 1% as mentioned in the question, I wouldn't care. I expect to see average annual returns far above this. But stock market crashes can cause the loss of 20 to 30% or more, and those are numbers I care about. I'd much rather buy in at 30% less than the current price, after all.


"I can't give you proper legal advice, but if I called their customer service and used half an hour of my time to wait and explain the situation in detail, and their official response was ""just use the points,"" I would do just that. Of course you would have stronger legal standing if you had recorded their answer, or had it in writing from them. But I don't think spending these points will come crashing down on you. And morally I see absolutely no problem with spending these points; it is not as if you are stealing from someone else. These points can usually be given away in any kind of crazy manner. Sometimes there are lotteries or events where they give away 100,000 points for new customers who open up an account on a specific weekend. Sometimes they give points to customers who want to terminate their contracts as an attempt to coax them into staying. They have given you a lot of points and don't really care. As a result you are probably staying their customer forever – and will most likely tell this story to many friends. This is free advertising for them. Heck, maybe they would even make a news story out of this some day, it could be good publicity. Everyone is essentially getting these points ""for free"" but in fact the company has a business case by improving their image and customer retention with these points. So you can spend these points with a sound mind morally. Legally you would have to contact a lawyer, but I think chances for legal repercussions are small if you have done your duty, informed them and their customer service basically said it's ok."


lol, not at all! A hunter-gatherer could die of a simple toothache or infected cut on their hand. Also, no movies!  I was simply hoping to point out that they didn't spend as much time securing the little they needed to survive as some seem to assume.


If you get 1099-G for state tax refund, you need to declare it as income only if you took deduction on state taxes in the prior year. I.e.: if you took standard deductions - you don't need to declare the refund as income. If you did itemize, you have to declare the refund as income, and deduct the taxes paid last year on your schedule A. If this year you're not itemizing - you lost the tax benefit. If it was not clear from my answer - the taxes paid and the refund received are unrelated. The fact that you paid tax and received refund in the same year doesn't make them in any way related, even if both refer to the same taxable year.


Generally speaking, an emergency fund's primary purpose for being is to be available in an emergency. Income generation is a distant second. As long as you have immediate access to it via checks or an atm card, you're doing ok. If you live in a high-tax state or a place like New York City with federal, state and local income tax, I'd probably err on the side of the municipal fund for your state.


You know, I have egg on my face. I'd seen all of these reviews, and I am instinctively suspicious of a reviewer with no friends or a person with 4 friends and one review, so I discounted them. I looked at Monica's review and saw the number of reviews and friends and shrugged.  Then I read all of the reviews, and you are 100% spot-on. She's hired a ghostwriter. Monica's review is her only lengthy review - the others are fairly terse, though human - and is written in exactly the same style.  I'm flabbergasted, because the wordiness should have been a dead giveaway. There are a handful of reviews, however, which were clearly written by someone (you can spot dumb), but those reviewers all share the traits of robot accounts.  I would really love to write a review for this place and see whether or not it gets filtered. That having been said, you might have explained away the Monica point, and I'm impressed. Thanks for pointing it out!


Leins basically work by having someone take you to court. If you show up and fight it, nothing happens. But if you never show up (which a lot of people don't due to thinking 'this is pointless'), then the other party wins by default.  I was just trying to point out that they have other options than just fighting it out with VISA and losing.


The fact has been demystified that learning music facilitates learners enhance their skills and excel in other phases of their life. “A music-rich experience for children of singing, listening and moving really bring very good benefits to children as they progress into more formal learning”. Music learning supports all learning.


You seem overly fixated on dead tree documentation of purchases.  They are deducting this from your account monthly - the mere fact that the money was taken is enough to prove in court that they have you on their books and to hold them to paying out said insurance.  The email copies is actually a better way to organize receipts in most cases (can't be destroyed as easily, etc.) You can cancel the insurance - but don't just stop paying (you'd owe them money then).  I foresee increasing difficulty navigating the 21st century for you unless you can get past this concern about physical receipts.  I doubt other companies would do much better. FWIW, I live in the continental US.  I don't know how different the Philippines is with regard to moving everything to digital


I think this is a /r/personalfinance question.  What school are you going to where it would cost $20k a year in excess of your current income just to add 2 years to your associates? Why not go to a state school and try as best you can to get the associates credits transferred into the bachelors program?  An accounting degree will make you an accountant, not necessarily a financial analyst or an economist. You won't be doing sales but you won't be making a whole lot more than you do now, I'm guessing.


"Ya, when my buddy who is by no means a financial wizard, and paid to have his TV installed (not even wall mounted...), told me he was looking to invest in a condo, cause apparently it was ""easy"".  I think the quote from the friend who told him got broken down to, ""The market only goes up, so as long as your rent handles the interest on your mortgage you just make up the difference and gain when your value doubles!""  That is one reason I am worried for the eventual decline if all of those types of people rush for the door at the same time.  I really hope it is a case of broken telephone."


Yeah, in this story they talk about cutting it a further 15% or something, and several years ago they cut the salt drastically by a large percentage and they were reporting on the fact that no one noticed which I find hard to believe.


In theory, GS has a Chinese Wall between the department which issued the advice and any departments which may profit from such advice. This would take away some of your distrust, except for the fact that GS did violate these rules in the past (see the answer from user10665). You're wondering about the timing, prior to the release of figures by Tesla itself. This is quite normal. Predicting the past is not that useful ;) The price range indeed is wide, but that too is a meaningful opinion. It says that GS thinks Tesla's share price strongly depends on factors which are hard to predict. In comparison, Coca Cola's targets will be in a much smaller range because its costs and sales are very stable.


"Neat points but with regards to your first point there is no car financing to ""pay off"" unless you take on debt. And few Americans have or can easily accumulate the cash in hand to buy a $15K-30K vehicle. Sure, you can definitely live without debt, but buying a home, a car or making other sizable purchases is not possible under such circumstances unless you make a greater than average salary and are remarkably frugal, including an affordable, tenable living situation."


Yeah, infinite - or 8 years (whichever comes first).  So, not infinite at all.  By any stretch of the imagination.  What a dishonest policy.  Tesla should be ashamed.  The word 'infinite' is in there - ONLY - to mislead people.  That's shameful.  Of course, everyone here has a raging hard-on for Tesla - so I expect that ***I'll*** be the one to get your downvotes (not Tesla) for this disgusting act.


Assuming you are in the US, and are an average joe, the answer to your question is no. Investment costs do not reduce your taxable income for the year you make the investment. They do factor in to the cost basis of your investment and so will affect your taxes in the year you sell the investment. If you want to reduce your taxable income, you could contribute the $5000 to a traditional ira, or 401k, assuming you qualify. Depending on where the account is held, you may then be able to use that $5k to purchase stock in the company you are interested in. The stock would be held in your IRA or 401k account, and would be subject to more restrictions than a normal brokerage account.


Yahoo Finance doesn't offer this functionality; I remember looking for this exact feature a couple of years ago for coffee futures. Your best option is to look at the futures chain. However, Yahoo Finance's future chains aren't always complete, since you'll notice that the futures chain for NYMEX crude oil omit the June contract. The contract still exists, but Yahoo doesn't list it in its own futures chain or in the future chain for May.


YEARS ago, the then owner of my current company was out in the field with some of our salesmen.  When our machine broke while they were on site, him and the salesmen fix'ed the machine right then and there.  In their suits.  He bought the salesmen new suits, and that customer is still our customer to this day.  Customer service cannot be overstated in industry.  Engineers have long memories for both those who left them high and dry, and those that bailed them out in a pinch.


Yes and no. Work tends to be interwoven with your life more. So you never really have time off. But they tend to have autonomy, so they can hit the gym in the middle of working day for example. But if there is an emergency on the weekend you have to deal with it.


If you mean the percentages of long/short positions within a mutual fund or ETF, then it's a percentage of the total value of the fund portfolio. In that case, positions of 50% in X, -50% in Y are not the same as 100% in X, -100% in Y. If the long and short positions are both for the same asset, then, as D Stanley mentions, all that matters is the net position. If you're equally long and short X, then the net position is always 0%.


"Sorry, but that IAMA reads like total bullshit to me.  All his answers are totally generic / tailored to the redditry - ""the best thing about being rich is being able to help my family"" and ""i'm a 25 year old multimillionaire and if the salesmen at the car dealership don't take me seriously I drop a quarter mill on a Ferrari, just to spite them""."


eDesk HUB provides vetted & verified references & reviews on high quality Web & Mobile Application Development & Design companies with diverse experience.  At eDesk HUB we use online and offline initiatives to acquire qualitative and quantitative data to determine companies’ abilities & focus areas.


"Fees & liabilities Yes, the first problem is that liabilities are being improperly booked. If the fee you charge is fixed upon deposit then the fee should credit ""Revenue"", the fee charged to you should be booked by crediting cash and then debiting ""Expenses"", and the remaining should be booked as a liability. If the fee is fixed upon withdrawal then this will become more complex because of the fact that a change in the fee can occur before it can be applied.  In this case, the current fee should be credited as ""Revenue"" and some ""Allowance for fee increase"" should also be credited.  The amount owed to the withdrawer should be booked as a liability as before. Multiple currency bookings I will assume that this is for a cryptocurrency service of some sort considering the comments in your question and your presence on bitcoin.se. Accounting can become very dangerous when mixing denominations.  This is why all major accounting standards mandate books be maintained single currency. In your case, if the deposit is in USD, for example, and the liability is in BTC then two books must be maintained, one for each. To account for your operation properly using single currency accounts, the denominations must be exchanged internally and balanced across the two sets of books. For a deposit of BTC/depository of USD, the operation would be the same as described above, but then the cash should be credited away and the liabilities debited away from the USD books with simultaneous cash debits and liability credits on the BTC books. Considering the extreme volatility of cryptocurrency exchange rates, denominating accounts on the wrong set of books will quickly lead to insolvency or loss from improper accounting or both. From revenue to income Revenue can be construed as a liability since it could theoretically exist on the balance sheet. I mention this because all books, despite their name and quarter, are really simply long T accounts, like a blockchain.  A blockchain could be subdivided into users' individual income statements & balance sheets, as the reverse of this concept. Revenues are credited, expenses are debited.  The difference, ""net income"", is debited away with a credit to ""owners' equity""."


"Real Estate has historically been the most sound investment of all times. Not only does property consistant increase in value (which is what you want every investment to do), it does so at the highest rate with the lowest risk. Most return on investment (like a stock in the market) the potential rate of gain is proportionat to the potential loss. The more secure an investment, the lower the potential gain. But, with Real Estate, property typically doubles in value every 10 years. Our overall R.E. economy is on an upward turn, recovering from a time  where values tanked. to jump in now, is probably better than waiting for any amount of time, be it 1 month, or 1 year. You concern about being ""tied in"" to this investment is a valid concern, however, since the market is in an upward turn, you should be more and more able to turn around and sell it later on. The best thing that you could potentially do would be to invest in a rental property where your cost of investment (your mortgage note) is paid by the renters. However, being a landlord is always a risky business (hence, the higher rate of return, which considering your investment is ultimately zero, the return rate is huge :-)   The trick would be to take the reters payments to you and keep it in an account that you use to pay for any repairs, upgrades, or marketing in between when the unit is vacant. But, with your parents losing their house, this may not be possible - unless you take their home and then keep the living arrangments the same as they are now. One possibility to help you get your foot in the door of being a property owner (not necessarily ""investor"") and help your parents keep their house (if that is what they would like to do) is re-finance with them... if you can't afford the entire mortgage, but they are capable of filling the gap between what you can afford and what their property costs, then you become partnered with them, and when/if their circumstances change, they can always buy you out."


Don’t feel like you have to stick to the traditional forms of paint jobs in order to get a home that looks great. You can find a lot of amazing, nontraditional options that work quite well for whatever it is that you may be looking to do. Call us and let’s see what we can help you with! http://barwickpainting.com/contact-us/


If you don't have any voting rights then you don't have much say in the direction of the company.  Of course, if the majority of voting rights are held by 1 or 2 people/institutions then you probably don't have much say regardless. That said, 0.1% isn't a whole lot of a voice anyway.


According to the experts of custom duplex construction, another reason behind hiring a home builder is that the constructions will be low in maintenance. This will happen because these experts will make sure that only the best quality deluxe home plans are used and every raw material is of high quality and absolutely new.


If you are going to be trying clever stuff with taxes in different place, you probably need a professional. Different countries definitely have different laws on the subject.  For example (several years ago) the UK considered you absent from the UK for tax purposes from the day you left, provided you were gone for a year, whereas Canada didn't charge you tax as long as you were not in the country for six months in the year. A carefully timed move enabled me to not pay tax at all for six months because I wasn't resident anywhere. Also it was irrelevant whether I intended to stay or not.


So I am in this position with my grandmother and she is in her late 90s and wants to give us some of her things. There are some items I would want, but there are a lot of other things that I don't want. So when she wants to give me things now, I have to be delicate about it. I don't want to be inundated with everything and the things I would want now she is still using so I will happily wait.


There's really no right or wrong answer here because you'll be fine either way. If you've investing amounts in the low 5 figures you're likely just getting started, and if your asset allocation is not optimal it's not that big a deal because you have a long time horizon to adjust it, and the expense ratio differences here won't add up to that much. A third option is Vanguard ETFs, which have the expense ratio of Admiral Shares but have lower minimums (i.e. the cost of a single share, typically on the order of $100). However, they are a bit more advanced than mutual funds in that they trade on the market and require you to place orders rather than just specifying the amount you want to buy. A downside here is you might end up with a small amount of cash that you can't invest, since you can initially only buy whole numbers of ETFs shares. So what I'd recommend is buying roughly the correct number of ETFs shares you want except for your largest allocation, then use the rest of your cash on Admiral Shares of that (if possible). For example, let's say you have $15k to invest and you want to be 2/3 U.S. stock, 1/6 international stock, and 1/6 U.S. bond. I would buy as many shares of VXUS (international stock ETF) and BND (U.S. bond ETF) as you can get for $2500 each, then whatever is left over (~$10k) put into VTSAX (U.S. stock Admiral Shares mutual fund).


AAA bonds are safe, as far as the principal goes. If you buy long term bonds today (at very low rates) and the interest rate goes up to 10% in 5 years, the current value of the bonds will decrease. But if you hold the bonds till maturity, you will almost certainly (barring MBS scenarios) get the expected principal and interest on the bonds. If you decide to sell a long-term bond before it matures, it will probably be worth less than you paid for it if interest rates have risen since you bought it.


To take a higher level view of this, consider the warranty as buying insurance.  They want to sell you the warranty because there's profit in it for them over the aggregate of all the warranties they sell. So ask yourself, would having to replace this item out of your own pocket cause you a significant financial burden?  Items like houses we insure because we can't afford to lose the investment.  Items like cars we get liability insurance because we can't afford to pay for another person's medical costs if we're liable for their injury.   On the other hand, if you're talking about a $1000 piece of equipment in your house, this won't break you.  That means you can self-insure, and if you do that for all the items you purchase, over the long haul, then you will save money (equal to the profit that the company expects on the warranties). So I say, no, don't buy extended warranties.  The more they're trying to sell it to you, the less you should be willing to buy it (because the higher their profit margin is if they can convince you to buy it).


1. Actually, you are wrong!  2. If food is cheaper and better when produced in a lab, then it does not matter that we have enough food produced (in a much more expensive, labor intensive, slow and harmful for the environment way.)


If and only if by coincidence the car you were already considering from your research includes a 0% finance offer, go ahead a take the financing and save your cash. If however you are being tempted to a different car, or would spend more than you initially thought were wanted to, 0% financing is just another trick to get more of you money. Just be honest why you want the car: is it a good price, or does the financing seem like a good deal?  Even if you are not paying interest, you are paying principal.


You should be worried. You have made the mistake of entering an investment on the recommendation of family/friend. The last think you should do is make another mistake of just leaving it and hoping it will go up again. Your stock has dropped 37.6% from its high of $74.50. That means it has to go up over 60% just to reach the high of $74.50. You are correct this may never happen or if it does it could take a long, long time to get up to its previous highs. What is the company doing to turn its fortunes around? Take a look at some other examples: QAN.AX - Qantas Airways  This stock reached a high of around $6 in late 2007 after a nice uptrend over a year and a half, it then dropped drastically at the start of the GFC, and has since kept falling and is now priced at just $1.15. QAN reported its first ever loss earlier this year, but its problems were evident much earlier. AAPL - Apple Inc.  AAPL reach a high of just over $700 in September 2013, then dropped to around $400 and has recovered a bit to about $525 (still 25% below its highs) and looks to be at the start of another downtrend. How long will it take AAPL to get back to $700, more than 33% from its current price? TEN.AX - Ten Network Holdings Limited  TEN reached a high of $4.26 in late 2004 after a nice uptrend during 2004. It then started a steep journey downwards and is still going down. It is now priced at just $0.25, a whopping 94% below its high. It will have to increase by 1600% just to reach its high of $4.26 (which I think will never happen). Can a stock come back from a drastic downtrend? Yes it can. It doesn't always happen, but a company can turn around and can reach and even surpass it previous highs. The question is how and when will this happen? How long will you keep your capital tied up in a stock that is going nowhere and has every chance of going further down? The most important thing with any investment is to protect your current capital. If you lose all your capital you cannot make any new investments until you build up more capital. That is why it is so important to have a risk management strategy and decide what is your get out point if things go against you before you get into any new investment. Have a stop loss. I would get out of your investment before you lose more capital. If you had set a stop loss at 20% off the stock's last highs, you would have gotten out at about $59.60, 28% higher than the current share price of $46.50. If you do further analysis on this company and find that it is improving its prospects and the stock price breaks up through its current ranging band, then you can always buy back in. However, do you still want to be in the stock if it breaks the range band on the downside? In this case who knows how low it can continue to go. N.B. This is my opinion, as others would have theirs, and what I would do in your current situation with this stock.


">What changes when you have kids is your lifestyle and how you spend your money. Bar tab = diapers, weekend getaways = 1 big disney vaction, convertible = minivan, etc.   Ah, but singles don't NEED the ""Disney"" vacation (indeed many AVOID such things on purpose) -- they can go backpacking in the mountains, or vacation on the beach in Greece for significantly less (if they are even so inclined).  Likewise, the convertible, unlike the minivan, is an ""optional luxury"" -- and ironically enough, one that holds its value on resale far better than the minivan.   >There is an opportunity cost, but according to these folks they seem to be assuming you are spending money you are normally saving on kids, when in truth you would have more than likely spent it on yourself.  Exactly. Or you would never be sufficiently motivated to earn it in the first place.  I have seen several ""studies"" about how married w/children people tend to earn MORE over their lifetime than unmarried/childless people do.  Now certainly ONE reason for that can be (and from anecdotal management experience I *know* it exists) a form of discrimination (where married w/children managers overpay/out-promote ""similar"" people out of sympathy, and where they underpay singles/childless on the basis of ""well, they don't NEED as much"").  But I also think there is a factor of ""content"" versus drive/motivation/need -- married w/children do in fact NEED/WANT to earn more (because they have higher inherent costs), and are therefore generally more ""motivated"" about gaining additional pay (in order to live a lifestyle that is at a similar level to single/childless people)."


"The business community is not investing, but the government is spending, said Peter Schiff, chief executive of investment firm Euro Pacific Capital Inc. ""When you break it down, the lion's share of the growth is coming from government spending.""  Government spending increased 9.6% in the third quarter from the previous three-month period, the first such increase since 2010. The driver was federal defense spending, which was up 13%, the biggest jump since the second quarter of 2009.  http://www.latimes.com/business/la-fi-gdp-economic-growth-20121027,0,1713240.story"


Blue Apron has become pretty synonymous with dinner delivery services. The name recognition alone is probably worth their current evaluation. I think you're right it wouldn't be hard to compete, and they do have a lot of competition. But I think you'd be hard pressed to find anyone who can name something other than Blue Apron.


>Such EXTREME bipolar societies are VERY unstable.  Except they're not.  Most of human history has been dominated by these societies.  Think feudalism with a few nobility on top and a massive surf class below them.  The middle class and our current income distribution is a huge historical anomaly.


>. The store has to match the price. They don't have a choice.  Here in Canada we have a book store called Chapters.   They won't price match their own online prices in store.   I haven't shopped there in 10 years.     If Best Buy is smart, they'll stop the price match.  If you want instant gratification for your purchases, you should pay for it.   If you go in and the TV is priced at X, you pay X.   If you go home and see it's a different price online, buyer beware.  I think that'd be a brilliant move.  Make the brick and mortars charge more for the luxury of shopping in a store.      It's sleazy, but honestly not a bad business model.  \


Dividend yield is not the only criteria for stock selection. Companies past performance, management, past deals, future expansion plans, and debt equity ratio should be considered. I would also like to suggest you that one should avoid making any investment in the companies that are directly affected by frequent changes in regulations released by government. All the above mentioned criteria are important for your decision as they make an impact on your investment and can highly affect the profits.


I've always said that the biggest expense the rich have to deal with is paying taxes while the poor's biggest expense is trying to survive. For example the poor have to pay more than half of their money buying food and while the rich pays almost nothing for food.


"Once you buy stocks on X day of the month, the chances of stocks never actually going above and beyond your point of value on the chart are close to none. How about Enron?  GM? WorldCom? Lehman Brothers?  Those are just a few of the many stocks that went to 0.  Even stock in solvent companies have an ""all-time high"" that it will never reach again.   Please explain to my why my thought is [in]correct.  It is based on flawed assumptions, specifically that stock always regain any losses from any point in time.  This is not true.  Stocks go up and down - sometimes that have losses that are never made up, even if they don't go bankrupt.  If your argument is that you should cash out any gains regardless of size, and you will ""never lose"", I would argue that you might have very small gains in most cases, but there are still times where you are going to lose value and never regain it, and those losses can easily wipe out any gains you've made.   Never bought stocks and if I try something stupid I'll lose my money, so why not ask the professionals first..? If you really believe that you ""can't lose"" in the stock market then do NOT buy individual stocks.  You may as well buy a lottery ticket (not really, those are actually worthless).  Stick to index funds or other stable investments that don't rely on the performance of a single company and its management.  Yes, diversification reduces (not eliminates) risk of losses.  Yes, chasing unreasonable gains can cause you to lose.  But what is a ""reasonable gain""?  Why is your ""guaranteed"" X% gain better than the ""unreasonable"" Y% gain? How do you know what a ""reasonable"" gain for an individual stock is?"


> *Acquisition continues Disney's strategic focus on creating and* ***monetizing the world's best branded*** *content*  emphasis mine. It helps explain why there's been so many sequels from Hollywood, and so little original content. I feel like Disney's getting ready to put a big shit cherry on top of the prequels.


Lol. When did I ever say that? I said you don't know the difference between the two. The fact that you think JP Morgan is responsible for CDO's and MBS's is comical.   So again, here's your post  >Maybe if fuckers like him could manage their house then government wouldn't have to bail them out and there wouldn't be a need for as much regulation. But no, he's going to keep gambling and expect tax payers to cover his losses, and then has the audacity to bitch about it. Fuck him  Now do please explain how JP Morgan  * didn't properly manage their mortgages  * needed to be bailed out by the government  * gambled  * had the tax payers cover their losses  I'd love to see what other bullshit you come up with to defend these statements.   On the other hand, if you want to cut the shit and acknowledge you're both retarded and wrong, I'm more than happy to educate you on the recent financial crisis and why JP Morgan was a godsend to the US economy.


Being a great cook is not enough reason to open a restaurant. How many episodes of reality TV are about someone who was a good cook and then got in way over their head by opening a business?  My advice is she shouldn't do it until she has worked as a restaurant manager, or restaurant owner's assistant, for over a year.


A long time ago as sellers will pay a fee on the total amount not the item amount. Plus people are mindless sheep.  Item  A) $5 + $4 shipping B) $10 with FREE SHIPPING!    Guess which one makes more? Even if item A $5+$5 shipping item B will be more profitable especially when multiple units are sold.


Don't pay off the 0% loan.  First, set up an automatic monthly payment to ensure you never miss the payment (which could lower your credit score). If you are in Canada, depending on your situation: If you are employed and make more than $50k/year:


You have no clue what you are talking about!  It's all natural progress of Retail.   When Sears sent its first catalogs, it killed most rural stores.   When Mr. Goldman invented the shopping cart, and Supermarkets were possible, it killed most grocery stores.  When department stores started, they killed most specialty stores.  When Amazon started, and on-line shopping, it killed all book stores and many other stores.  When 3D printers get fast and more versatile, the made-to-order will kill Amazon.  Etc, etc, etc...


"I agree with this argument. Finance, legal, and tax compliance industries are bogus and add dubious value at best. The creation of more wealth helps those that created the wealth the most, but it oftentimes also does help everyone else as well (think: Steve Jobs & his company's many creations).  But I also believe that if you had a ""full equalizer day"" and redistributed all the wealth in the US so that each of us had the same amount of money (we'd each roughly have $255,000 if my math is correct), then within 1 generation you'd already see a similar wealth distribution to what we have now. Most would consume more- rather than invest- and it would only be a temporary fix.  It's a rarity to find people advocating for changing the system that creates inequality (the Fed currently being the biggest perp) instead of simply trying to redistribute the results of that system."


If you're happy manually downloading transaction files from your bank and importing them into your desktop application, try You Need A Budget 4.  It hits all three of your requirements. Here are the details about how to import from your bank I've been using YNAB for a few months now and am very impressed with it.  It was cheap and it syncs to my mobile phone for on-the-go money management via Dropbox.


Easy to say from the comfort of of a middle class lifestyle. I'm happy to have achieved what I have. I make a a modest but sufficient salary, as does my wife. We have many comforts that we would not have if we made even $20K a year less, a comfortable but small house; boring, safe and reliable car; cell phones. My wife grew up without enough food to eat. She used to sneak into the kitchen at night and drink the ketchup because she was so hungry, which resulted in her mom putting a padlock on the fridge. Forgive me for wanting more than that for my daughter, I must be some kind of monster capitalist.


If you can deduct money that is reinvested in your business than would you invest more into your company to avoid giving it to the government at a higher tax rate? At a lower rate it allows for more profit to be extracted. It does nothing to encourage investment.


That sounds like way too much for a car! I suggest you get a used car that only has a few years on it and is in mint condition. Not only are they cheaper to purchase, they are also the cheapest to insure.


Here's a few. Is this what you're looking for? Also this should probably be a community wiki.


Yes, absolutely. Consider Microsoft,  Updated Jan. 17, 2003 11:59 p.m. ET  Software giant Microsoft Corp.,   finally bowing to mounting pressure to return some of its huge cash   hoard to investors, said it will begin paying a regular annual   dividend to shareholders. From Wall Street Journal. Thus, for the years prior to 2003, the company didn't pay dividends but changed that. There can also be some special one-time dividends as Microsoft did the following year according to the Wall Street Journal: The $32 billion one-time dividend payment, which comes to $3 for each   share of Microsoft stock, could be a measurable stimulus to the U.S.   economy -- and is expected to arrive just in time for holiday   shopping. Course companies can also reduce to stop dividends as well.


Indeed, a well respected study found that American children are still not dumb enough that they don't understand that they are paying off 20 Trillion of debt borrowed from a bank that prints its own money, but expects to be repaid in real money.  It also recommended that lead be added to the diet and where children seemed resilient and stubborn and asked to many questions, it be administered with a .38  Shalom bitches it concluded


"I would look into the possibility that the promise ""that no taxes will be withheld"" is all about your status as a 'consultant'.  They may be meaning you to be treated like a business they buy services from.  In Canada the distinction is very watery and I presume the same in India. If you agree to become a business, then you must look into how that business income will be taxed."


There is a tax advantage only for medical expenses exceeding 10% of your adjusted gross income (7.5% if over age 65).  This limit means only a very few people can take advantage of the deduction. The expenses would be entered on Schedule A (itemized deductions) of form 1040. You don't have to send in the supporting documentation, but you have to keep it in your records to present if audited. Yes, a copay qualifies as an expense, but needs supporting documentation.


The only difference that I can think of is that some business checks have two signature lines. The look and feel of a business check used to be more important. So a big check with two signatures and a machine-imprinted amount was a way to screen out fraudulent transactions. Nowadays the check is scanned and shredded, so it's probably not a big deal for 90% of your transactions.


Write off the entire asset class of corporate bonds? Finance theory says yes, the only two asset classes that you need are stocks and treasury bills (very short-term US government bonds). See the Capital Asset Pricing Model (CAPM).


"I only have liberal/middle/conservative stats rather than Trump directly since the study was pre-Trump ... and it didn't classify anthropologists.  It included sociology, economics, engineering ... and then a host of sciences:  physics, astronomy/astrophysics, math, chemistry, geology, and biology.  The engineers were the only group where ""middle of the road"" ranked highest ... but the ""liberal"" share for engineers was nearly twice as large as the ""conservative"" share.  All of the areas ranked low for ""conservative.""    http://www.nature.com/news/the-scientists-who-support-donald-trump-1.20827#fieldreports  As expected, Trump is already hailed as the ""Anti-Science"" President (anthropogenic climate change denier, ignores pollution costs, anti-vax, appointments to scientific positions held by non-scientists ).   I've personally been to two scientist focused anti-Trump marches since the election.  Amongst the academic scientific community, he's viewed as an ignorant authoritarian villain."


"This is the best tl;dr I could make, [original](https://techcrunch.com/2017/07/19/techs-5-biggest-players-now-worth-3-trillion/) reduced by 86%. (I'm a bot) ***** > After a long rally marked recently by sharp share price gains among the largest tech companies, the $3 trillion mark could stand up over time as a good thumb-sized measurement to vet future rallies against.  > In the era of platform players racing to control the digital lives of both consumers and enterprises, it&#039;s perhaps not surprising that the biggest companies are worth so very much; if the tech industry changes, becoming more fractured, that could shift.  > In sum: It&#039;s a big day for tech&#039;s biggest players, even if it isn&#039;t the most intriguing of them all or the simplest to explain.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6os46d/techs_5_biggest_players_now_worth_3_trillion/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~172685 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*: **tech**^#1 **company**^#2 **rally**^#3 **Big**^#4 **market**^#5"


I'm not sure it's even that - I'm upper middle class where I live, and I've never heard of those terms he mentioned. It sounds like a vaguely Italian / Spanish fusion with French bread? It could have been sticker shock, but it could be that she just balked at ordering a sandwich that might have unpalatable ingredients in it, like liver pate. It'd be like ordering randomly off a Chinese menu and getting served a live octopus.  As example, I know plenty of people who don't know what chorizo is, but order it at Chipotle's - and who wouldn't order it if they knew what was in it. (I know what it is and rather enjoy it, but that's my tastes.)  I find the idea that a restaurant would use pretentious language as a sort of... signaling device for class structure... the idea that 'you can only eat here if you can understand our language' to be bizarre. And a little bit offensive. A restaurant like that would get laughed out of business where I live.  It makes me wonder, is this kind of restaurant normal in other parts of the country?


Is legacy software pretty standard across the board for trading firms and bulge bracket banks?   I was surprised to learn how old the internal software the place I'm interning at is. Chalk it up to me being young.  Thanks!


The article briefly mentioned Martin Shkreli and Daraprim, which is an excellent extreme example of the underlying flaws in the American medical market. Hide the true costs of various necessary medications behind multiple walls of insurance pools and government subsidy and pretty soon the sky's the limit for these companies: https://rebelnews.com/willparke/the-drama-of-daraprim-and-the-for-profit-medicine-industry/


Private equity is not entirely comprised of turnarounds, however, I understand what you're looking for, and I suggest you take some time to read this article: http://www.businessweek.com/printer/articles/22306-my-week-at-private-equity-boot-camp  Note: the people who sit in offices and crunch numbers or figure out how to structure deals are generally the middle or lower-level staff of a firm.  At the top of a firm, you generally have people who decide what the fund should be invested in, and what strategy they should use.  PE is a business, and you should think of it that way.  So, if it were your business, you'd naturally hire really smart guys to crunch numbers or come up with solutions.  Then YOU look at these outputs and choose one to go with.  Such is how an efficient PE firm runs.


The US is one of the only countries which taxes its citizens on global income. You're  ignoring the high fixed costs of compliance with the US tax code, both for individuals and institutions. Compliance is so big an issue that foreign banks are turning away US customers rather than having to comply with FATCA, leaving people unable to open a bank account. Also, renunciations of citizenship are up something like 400%, and they aren't all billionaires.


"I think you should start here https://www.tastytrade.com/tt/ and learn about equity options. Its a lot more accessible for you to get hands on experience. Start with learning about put/call spreads and maybe put on some SPY trades. Options are essentially the same in every market; I would start here.    I think this idea you have of not having to use ""margin"" is coming from people running spread strategies that have limited downside/upside"


It it's paste form? Probably not if only because it would be a pain to form into food I can cook easily, maybe if I wanted to make sausages or something but that is a bit beyond my personal interest and abilities.  But as a product I can cook like other food, yeah I got no problem with it. I use to raise my own cows and knew how to slaughter them but I still sent them to a butcher in large part because I would be wasting so much of the meat otherwise. It is too much work to do all the processing they do for trim and waste meat to make it palatable. I don't want to eat a straight up cow tongue or cow heart, but if you blend that bitch up into a sausage ill gobble it down.


I agree... r/economics has become a type of subreddit that these posts are frequented in. I'd prefer to see some more thought provoking posts on this board. Not to mention news, rather than information that has been known for a long time now.


"As an owner of a share of a business you also ""own"" profits made by the business. But you delegate company management to reinvest those profits, on your behalf, to make even more profits. So your share of the business is a little money-making machine that should grow, without you having to pay taxes on the dividends and without you having to decide where to reinvest your share of the profit."


">Americans are much more supportive of negative rights. True freedom means freedom from government coercion. Thus, calls for healthcare as a ""right"" are rejected by huge numbers of Americans.   ""Huge"" numbers maybe, but the [majority](http://www.pewresearch.org/fact-tank/2017/01/13/more-americans-say-government-should-ensure-health-care-coverage/) of Americans see health care as a right.  Americans actually believe in quite a few positive rights, such as the right to an attorney, the right to a K-12 education, and the right to things like Medicare and SS when you reach a certain age."


"Holy shit! Talk about pushing a ""narrative"".  >We spend the most & get the overall worst outcomes of any industrialized nation.  This is such a crock of shit.  The US has had a monopoly on the greatest level of medical advancement and the highest level of skilled medical practitioners in the entire world. When the best and highest quality of care is needed people come to the United States to have it. Equally, the average American has had the most abundant and varied access to quality health services than any other nation for the last 50+ years.  You are peddling in dishonesty in order to promote an end game of single payer. The VA failed to provide quality service. Medicare/Medicaid has failed to provide quality service. Every example ever of centralized bureaucracy getting involved in health care has resulted in a lower quality of service, rationing of service, and fewer options for patients. GTFO of here with this tired ass shit.  >ACA's failures were bullshit put in by the GOP & collusion by insurance companies and Republican governors. It wasn't perfect, but it would have been a helluva lot closer if the GOP hadn't lied and colluded through the process.   Yea I don't buy this polarized partisan bull shit. The insurance companies were part and parcel when Obama's white house was writing the ACA and they are part and parcel now as the Republicans stumble through the repeal effort. Take your ""Democratic"" talking points against the ""Republicans"" back to r/politics because I ain't fucking buying this partisan crap.  >Source: I wrote the 20 year health plan for the Republican Governor of the State of Florida ten or so years ago and have lobbied & built facilities and other projects in healthcare  Thanks for showing us your bias right out. Saves me a lot of time."


"I too received a ""job offer"" from this CENEO outfit but mine was a proof reading position.Supposedly,I was to edit the email they were sending to U.S. customers. They needed proof reading alright,I've never seen such atrocious grammar and syntax.Half the time I could not figure out what these polaks were trying to convey. Anyway,I was getting a whole page to ""proof read"" daily and then, they sent me an email stating that the ""position"" had been eliminated.I never got the money I was owed."


Banks make money by charging fees on products and charging interest on loans. If you keep close to a $0 average balance in your account, and they aren't charging you any fees, then yes, your account is not profitable for them. That's ok. It's not costing them much to keep you as a customer, and some day you may start keeping a balance with them or apply for a loan. The bank is taking a chance that you will continue to be a loyal customer and will one day become profitable for them. Just be on the lookout for a change in their fee structure. Sometimes banks drop customers or start charging fees in cases like yours.


Disclosure: I work for Wells Fargo Home Mortgage.   This is normal. The bank is giving you a discount on the interest rate in exchange for the automatic payments. Unfortunately, the bank has the power here; they have your mortgage, and they have the right to call your loan in full at any time, and foreclose on your house if you don't pony up. It's okay to not like being pushed around, but you need to know when to hold'em and when to fold'em, and your facing a royal flush with pair of 4s.


Top 10 Reasons for getting rejected for Credit ~ with some recommendations to fix it. If you have questions about credit, loans or financial planning in general ~ I'm always available ~ If I don't know I will find out for you!


"If by ""most public companies"" you mean ALL public companies. Heck, even some non-public companies have to file 10-Ks.  OP, I'd avoid any exchange-based list (a public company may be de-listed, for example) and go right to the source: Edgar."


On your end of the deal, the biggest risk is probably counterfeiting. That said, I'd think that most of the downside would be for the buyer since they would have no way to prove that they paid you.  Perhaps a better alternative is to send the items COD (Collect On Delivery aka Cash on Delivery). The USPS and some other carriers offer this service, which can be an effective way to remotely negotiate a cash sale. I double checked the USPS site and they do accept cash for COD deliveries: Recipient may pay by cash or check (or money order) made out to   sender. (Sender may not specify payment method.) You might want to double check this if you go with USPS or FedX.


I've wondered the same thing.  And, after reading the above replies, I think there is a simpler explanation. It goes like this. When the bank goes to make a loan they need capital to do it. So, they can get it from the federal reserve, another bank, or us. Well, if the federal reserve will loan it to them for lets say 0.05%, what do you think they are going to be willing to pay us?  Id say maybe 0.04%. Anyway, I could be wrong, but this makes sense to me.


This study introduces XBRL-enhanced digit analysis as a possible new approach to identify firm-year observations suspect of having manipulated earnings. Based on all available XBRL 10-K filings submitted to the SEC between 2009 and 2012, we find that firms likely to have managed earnings exhibit a higher amount of abnormal digit frequencies compared to other firm-years. http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2297355


"Do you expect governments to completely cut spending? Are you a utopian libertarian? I'm struggling to see how I'm ""crossing factoids.""  I was making the point that the private sector has been growing at a faster pace than GDP as a whole over the past two years due to the public sector's shrinking. So, that proves Schiff's ""theory"" incorrect."


"Neither you nor others have mentioned the costs of being a homeowner.  First, there are monetary costs. If you own a house, you have to pay taxes. They will vary by jurisdiction, but are usually not zero. You also need insurance, which again comes with monthly rates.  Then, once in a while, you'll be hit with unpleasant lump sum payments. In 30 years, the mortgage is over and you own the house - but by that time, it will probably need a new roof. That's in the price range of a new car. And over that time, you'll rack up several other repairs which your landlord covers when you rent.  Another thing which feels less like an expense emotionally but ends up thinning your wallet is the cosmetic changes you make just because it's your own home. You wouldn't put marble floors in the bathroom if you rent, but you might be tempted to if you live in the house. It might be even worth it from a life satisfaction point of view, but we are talking finance right now, and that's a minus.  And then there are the opportunity costs. A house binds you geographically. You may pass up on a nice job offer because your house is too far away, for example. Or you might experience liquidity problems, because a house is difficult to turn into money in a hurry. If you are able to do so, it is usually a much larger sum than you need, and you are paying the costs inherent in that large transaction. These are just examples, you can probably come up with more costs.  Then, it is not sure how much money you can get of the house if you change your mind. Say you take this job at the other end of the country, or you become a parent of four and need more space. At the time you decide to sell, the market may have gone down due to the overall state of the economy, or to the house location's popularity, or your own house may have turned undesirable (what if you get a mold infestation which would only go away if you strip it to the concrete and rebuild?) You could let it to renters, but that's a hassle of its own. It takes time to find renters, it may be expensive (income tax, regulations like Energieausweis in Germany), it is risky (if they don't pay, you might not see money even if you sue them).  Then there is the problem that prices reflect not some kind of ""true"" value, but the intersection of supply and demand. And the home market is not as efficient as in a first semester microeconomics textbook. The buyers of private homes deal in small volumes, have little knowledge in the market, pay intermediaries' cuts, and are emotionally attached to the idea of ""owning my own house"". This drives demand up and creates higher prices than if you had perfectly rational actors on both sides. People pay money for the feeling of being home owners, so those who forego spending on that feeling have more money to invest in something else.  Owning something always causes expenses. You have to calculate the savings of having the house vs. the expenses of having it, before you can decide if it is a good deal or not. If you only calculate one side of the equation, you'll be badly mistaken."


You have a good start (estimated max amount you will pay, estimated max down payment, and term) Now go to your bank/credit union and apply for the loan. Get a commitment. They will give you a letter, you may have to ask for it. The letter will say the maximum amount you can pay for the car. This max includes their money and your down payment. The dealer doesn't have to know how much is loan. You also know from the loan commitment exactly how much your monthly payment will be in the worst case. If you have a car you want to trade in, get an written estimate that is good for a week or so. This lets you know how much you can get from selling the car. Now visit the dealer and tell them you don't need a loan, and won't be trading in a car. Don't show them the letter. After all the details of the purchase are concluded, including any rebates and specials, then bring up financing and trade-in. If they can't beat  the deal from your bank and the written estimate for the car you are selling, then the deal is done. Now show them the letter and discuss how much down they need today. Then go to the bank for the rest of the money. If they do have a better loan deal or trade in then go with the dealer offer, and keep the letter in your pocket. If you go to the dealer first they will confuse you because they will see the price, interest rate, length of loan, and trade in as one big ball of mud. They will pick the settings that make you happy enough, yet still make them the most money.


> Hey! Do you mind giving your credit card to the waiter...   I'm not especially fond of that, but it's easy to report fraud to the bank and most of the time the bank will reverse the charges.  The PIN situation is different because a mugging is life-threatening.  > We already determined that nobody even care about signatures or check them.  You can't use a stolen card at an ATM with a signature.  It seems clear you haven't spent as much time thinking about this as I have. No offense intended, this is a waste of my time.


In short, defined contribution plans yield different amounts of return based on the market whereas defined benefit plans yield predetermined amounts defined based on factors such as salary and years of service.


I assume US as mhoran_psprep edited, although I'm not sure IRS necessarily means US. (It definitely used to also include Britain's Inland Revenue, but they changed.)  (US) Stockbrokers do not normally withhold on either dividends/interest/distributions or realized capital gains, especially since gains might be reduced or eliminated by later losses. (They can be required to apply backup withholding to dividends and interest; don't ask how I know :-) You are normally required to pay most of your tax during the year, defined as within 10% or $1000 whichever is more, by withholding and/or estimated payments. Thus if the tax on your income including your recent gain will exceed your withholding by 10% and $1000, you should either adjust your withholding or make an estimated payment or some combination, although even if you have a job the last week of December is too late for you to adjust withholding significantly, or even to make a timely estimated payment if 'earlier in the year' means in an earlier quarter as defined for tax (Jan-Mar, Apr-May, June-Aug, Sept-Dec). See https://www.irs.gov/businesses/small-businesses-self-employed/estimated-taxes and for details its link to Publication 505. But a 'safe harbor' may apply since you say this is your first time to have capital gains. If you did not owe any income tax for last year (and were a citizen or resident), or (except very high earners) if you did owe tax and your withholding plus estimated payments this year is enough to pay last year's tax, you are exempt from the Form 2210 penalty and you have until the filing deadline (normally April 15 but this year April 18 due to weekend and holiday) to pay. The latter is likely if your job and therefore payroll income and withholding this year was the same or nearly the same as last year and there was no other big change other than the new capital gain. Also note that gains on investments held more than one year are classified as long-term and taxed at lower rates, which reduces the tax you will owe (all else equal) and thus the payments you need to make. But your wording 'bought and sold ... earlier this year' suggests your holding was not long-term, and short-term gains are taxed as 'ordinary' income. Added: if the state you live in has a state income tax similar considerations apply but to smaller amounts. TTBOMK all states tax capital gains (and other investment income, other than interest on exempt bonds), and don't necessarily give the lower rates for long-term gains. And all states I have lived in have 'must have withholding or estimated payments' rules generally similar to the Federal ones, though not identical.


So Wal-Mart's evil, because they take the presence of government programs into account? So should it now be illegal to employ people on welfare? If you voted for those programs, it seems pretty hypocritical to bitch about them being used.


"If the service was being used as intended by their customers though, they would be able to swallow losses for the occasional short ride in order to make the over-all service pleasant. I'm guessing that it is pretty uncommon for riders to take a ride for a few blocks say. But it also depends on how long a ride a ""short ride"" is."


If he asked you to invest his money with certain objectives which resulted in you buying specific stocks for him with his money, then sell all the stocks which you bought with his money and the capital and profits to him. You may want to calculate the trading fees that you incurred while buying these specific stocks and taxes from the sale of these stocks, withholding them to over the trading fees that you have already paid and the taxes that you might still need to pay. If you traded with his money no different than yours, then I would think of your investment account as a black box. Calculate the initial money that you both invested at the time you added his capital to the account, calculate how much it all is currently worth, then liquidate and return a percentage equal to that of his initial investment. You can account for trading fees and taxes, subtracting by the same percentage.


The easiest route for you to go down will be to consult wikipedia, which will provide a comprehensive list of all US stock exchanges (there are plenty more than the ones you list!). Then visit the websites for those that are of interest to you, where you will find a list of holiday dates along with the trading schedule for specific products and the settlement dates where relevant. In answer to the other part of your question, yes, a stock can trade on multiple exchanges. Typically (unless you instruct otherwise), your broker will route your order to the exchange where it can be matched at the most favorable price to you at that time.


Absolutely agree. The more I read on this, the angrier I get. The sale of the shares, the delay in disclosure, the unbelievable abandonment of responsibility from a company that holds the keys to the castle for hundreds of millions of people. It stinks of bullshit. They need to feel the full weight of the law.