"This is the best tl;dr I could make, [original](http://www.reuters.com/article/us-usa-fed-policy-idUSKBN1A80XA) reduced by 87%. (I'm a bot) ***** > The Fed led the way in tightening monetary policy as the global economy recovered from the 2008 recession but must now determine how plans by other central banks&#039; plans may affect their own policy.  > While a stronger European economy has been welcomed by the Fed, lessening risks to the global economy, a move by major central banks to all tighten monetary policy simultaneously has not been seen for a decade.  > When Fed policymakers meet on July 25-26 they will need to decide a start date for reducing their bond holdings or leave more time to evaluate what Fed Governor Lael Brainard recently cited as a possible &quot;Turning point&quot; in global monetary policy that may affect economic growth.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6peule/federal_reserve_now_faces_prospect_of_global/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~174973 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*: **Fed**^#1 **rate**^#2 **policy**^#3 **month**^#4 **bond**^#5"


Additionally my understanding is that a Faster Payment is as good as cash once received. Yes it is but there is a caveat. Read on unauthorized payments on Faster Payments website. Either the sender is fraudulently claiming this was unauthorised, or their bank doesn't have adequate security standards - why is it me who loses out here? Agreed. You should take this up [dispute the action] with your bank asking why your account was closed as there is no fraud from your side. Make sure you do all the follow-up with writing and provide evidence of the trade being genuine.


"> Censorship is the suppression of speech or other public communication which may be considered objectionable, harmful, sensitive, or inconvenient as determined by a government, media outlet, or other controlling body.  suppression of posts from ""spammy cheater"" websites? Totally counts as censorship.  Yes, they are the result of bot/spam abuse; and that result = censorship."


The Dutch Financial Times published an article about how intangible assets are the most important value-determining factor of an organization, however investments, innovation and attention to these assets lack. This is contradicting but shows the challenge as well, because more than 75 percent of the average market value is from intangible assets. The challenge is that these aren’t quantified in financial metrics. Intangible assets consists of human-, organizational- and information capital.


"For some people, it's easier to stick to a budget if they have separate checking and savings accounts because they can deposit funds directly into their savings account and not have those funds accessible by debit/credit card, checks, etc. This allows people to pay themselves first and accumulate savings, while making it slightly more difficult to spend those savings on a whim. One a more technical/legal note, one key difference in the United States comes from Regulation D. §204.2(d)(2) of the law limits you to six withdrawals from savings and money market accounts. No such limit exists for checking accounts. Regulation D also forbids banks from paying interest on business checking accounts.  In the simplest case, checking accounts and savings accounts are a tradeoff between liquidity and return. Checking accounts are much more liquid, but won't necessarily earn interest, while savings accounts are less liquid because of the withdrawal limits, but earn interest. Nowadays, however, sweep accounts blur this line somewhat because they function like checking accounts, in that you can write an unlimited number of checks, make an unlimited number of withdrawals, etc. but you can also earn interest on your account balance because some or all of the funds are ""swept"" into an investment account when not in use. The definition of ""in use"" can vary from business to business and bank to bank."


None of those things sounded like concessions. I suspect, if you negotiated health care in terms of percentage of the cost instead of in raw dollars deducted, it'd actually come out that the company was taking a hit since the last contract. (I have no numbers to back this up, it's just that health care costs have been skyrocketing the last few years.)  Seniority rights kinda suck because they're just determined by time on the job and not merit. I'll take someone with 5 years in who's been getting better the whole time over someone with 20 who's been doing the negotiated minimum since the beginning. I'd like to be able to give the new people incentive to kick ass at their job.  The thing I don't like about unions is that they take the individual out of the game. Solidarity leads to one-size-fits all thinking, which is also the kind of thinking that gets companies thinking that everybody is replaceable. Really, everybody'd be better off if good people were hard to replace and average people could get by, but not excel.


Hm. The largest ad network in the world, whom has a natural monopoly on the search market and the largest web browser by market share, is talking about blocking competitors' ads. That doesn't smell like an antitrust issue at all... /s


Create, market and perform seminars advising others how to get rich from the Chinese Real-Estate Bubble. Much more likely to be profitable; and you can do it from the comfort of your own country, without currency conversions.


When banks operate under the FEDs cover of darkness and take tax payers dollars to grant bonuses to their employees and crash the US economy.  If government can't control the criminals on Wall Street, then it is time for 99% to carry out some vigilante justice against.  The day is coming.   What else don't you understand?


Refer to your T20 match - in India they have the IPL - Indian Premier League - which is basically like the NBA of cricket.... each major city has their own team and they play these 20/20 matches.  A popular celebrity or business celebrity owns a team.  They have players from all over the world that join these teams.


"Please note, if you enter your password into a 3rd party website -- there's always the chance that the third party website is recording your passwords.  Personally I've looked at the raw html and included javascript on this page, and(1) it looks like it's purely client side in your browser.  However I have not examined the javascript that is being pulled in by the advertising.  (Does advertising javascript included in a page have access to the full contents of the page and forms?)  Anyways -- don't enter existing/good/in-use passwords into 3rd party webpages.  Only do this with passwords that you have ALREADY changed, and that are not in use anywhere else.  You wouldn't think I'd have to remind people of this ... but I do...  (1) At THIS time, the link that Pilebsa included to tools4noobs.com looks okay.  Note that Pilebsa *could* edit his post and change the link *AFTER* someone else has looked at it.  Hell, I could be a SHILL for Pilebsa -- ""yah yah it's safe man, I checked it out fer you"".  Or tools4noobs or someone who has penetrated them could change the page AFTER I've looked at it.  It's a dangerous world, you'd better know what you're doing."


"> may or may not pan out based on factors which are completely not in your control,  That's it in a nutshell, right there.  I don't get fowleryo's hubris that we can somehow always master our own destiny, if only we're alert and take proper advantage.  ""Shit happens"" isn't just a trite cliche.  For a lot of things, you can influence the dice, but we have to keep in mind that we're tiny little beings on a blue speck: sooner or later things line up to go one way or the other that we have no control over."


If you are working for a small company, the expense ratios on the funds in the 401k account are likely much higher than you can get with a similar IRA. Depending on your income, whether you are married and want to contribute to a spouse's IRA, your limit on what can be contributed to an IRA may vary, but the compelling reason to contribute to a 401k is that the contribution limit is higher ($17,500 vs $5,500 for people on the lower end of the income scale) so you may need to contribute to a 401k to meet your retirement savings goals.


Highlands mortgage is one such financial advisory form that provide mod gauges and refinancing at lowest possible rates. Highlands mortgage provides best mortgage rates in Delaware. Highlands mortgage provides various financial assistance such as refinancing consolidation of debt and providing loan for various necessities such as house. Highlands mortgage provide expert mortgage officers who assist clients at every stage of financing. If you are seeking for financial assistance in Delaware, you must seek the consultation of Highlands mortgage in order to get the best deal and that too at lower prices.


https://www.onlinesbi.com/nri/accounts_deposits/sbinri_ad_nro.html  attached a link from India's premier bank SBI, confirming that you can move your regular saving account money, to NRO


>and no officer should be making <$40k.  I think its important to note that we should be hiring people that deserve more than $40k to be our police.  many of the thugs with badges on the streets today dont deserve a cent more than minimum wage.


EVERYTHING is built on oppositional forces, and a kind of competition.  Otherwise the word wouldn’t exist.  Capitalism gets better the more healthy competition there is.  Competition that stomps all other competitors to the ground is not healthy for Capitalism or society.


Where do you live? I have not seen a single instance where renting is cheaper per month then purchasing a home. You are obviously doing well, so I'm not questioning the logistics just curious.   $200,000 home or less is roughly $1,300 - $1,500 a month with everything included (property taxes, etc), based on when I was looking at homes to purchase. To rent the same size home would have been about the same (or more) depending on the area. Texas and California being my main two areas of interest. The property I purchased now was being rented out for $1,100 but a 30-year fixed mortage w/ property taxes is only about $630 a month.


"Do you recall where you read that 25% is considered very good? I graduated college in 1984 so that's when my own 'investing life' really began. Of the 29 years, 9 of them showed 25% to be not quite so good.  2013     32.42, 2009     27.11,  2003     28.72,  1998     28.73,  1997     33.67,  1995     38.02,  1991     30.95,  1989     32.00,  1985     32.24.  Of course this is only in hindsight, and the returns I list are for the S&P index. Even with these great 9 years, the CAGR (compound annual growth) of the S&P from 1985 till the end of 2013 was 11.32%  Most managed funds (i.e. mutual funds) do not match the S&P over time. Much has been written on how an individual investor's best approach is to simply find the lowest cost index and use a mix with bonds (government) to match their risk tolerance.  ""my long term return is about S&P less .05%"" sounds like I'm announcing that I'm doing worse than average. Yes, and proud of it. Most investors (85-95% depending on survey) lag by far more than this, many percent in fact)"


"Form W-9 (officially, the ""Request for Taxpayer Identification Number and Certification"") is used in the United States income tax system by a third party who must file an information return with the Internal Revenue Service (IRS). It requests the name, address, and taxpayer identification information of a taxpayer (in the form of a Social Security Number or Employer Identification Number). A W-9 is typically required when an individual is doing work, as a contractor or as an employee, for a company and will be paid more than $600 in a tax-year.  The company is required to file a W-2 or a 1099 and so requests a W-9 to get the information necessary for those forms. I cannot say if it is incompetence on the part of the accounting department or a deliberate ploy to make the refund process more onerous, but do not comply.  Politely nsist on a refund without any further information.  If the company refuses, request a charge-back from the credit-card company, file a complaint with the consumer-protection department of the state where the company is located, and write a bad review on Yelp or wherever else seems appropriate."


> They can move over to getting ketchup packets and bringing out orders. Also helping people with the kiosks.  If they can even hire them to do that. I work in ag and there are so many restrictions these days, we don't hire anyone under 18 to do anything for any reason. Even chop weeds. Which used to be summer jobs for a lot of the high school kids around here. Now they basically have nothing to do.


"Yes, that's true. Excerpt from ""The Warren Buffett Way"":  ""In November 2000, Warren Buffett and Berkshire Hathaway paid about $1 billion for Benjamin Moore & Co., the Mercedes of paint companies. Founded in 1883 by the Moore brothers in their Brooklyn basement, Benjamin Moore today is fifth largest paint manufacturer in the United States and has an unmatched reputation  for  quality. It was reported that Buffett paid a 25 percent premium over the stock’s  then  current  price.  On  the  surface,  that  might  seem to contradict one of Buffett’s iron-clad rules: that he will act only when the price is low enough to constitute a margin of safety.  However,  we  also  know  that  Buffett  is  not  afraid  to  pay for  quality.  Even  more  revealing,  the  stock  price  jumped  50 percent to $37.62 per share after the deal was announced. This tells us that either Buffett found yet another company that was undervalued or else that the rest of the investing world was betting  on  Buffett’s  acumen  and  traded  the  price  up  even  higher— or  both."""


At one point you could log into your HSBC account from the command line, but gosh, I've never heard of a bank that has a command line interface!


Abso-fucking-lutely not. And the idea that vegetarian or low fat items make them healthier should be called into question as well. There's nothing inherently healthier about eating vegetarian, except vegetarians tend to make more mindful food choices and live healthier lifestyles in other respects. But I've known very overweight vegetarians who survived on sugar and carbs as well.   Fat is not your enemy at taco bell. It's the tortillas wrapped around corn chips filled with beef mix that has oat flour as a filler - and the processed fake cheese made of vegetable oil and god knows what else.    Carbs are responsible for the obesity epidemic and saturated fat is not the dietary villain isn't been cast as. Everyone would be better off cutting out sugars and grains and sticking to real meat and veggies.  Cook with real butter and don't buy the leanest meat you can find. Bread and pasta and sugar will spike your insulin levels and promote fat storage as well as wreak havoc on your body over time.


Today the most exciting and innovative way to generate massive leads for your business is through inbound marketing.The inbound marketing’s main aim is to generate leads via the website. Integrating SEO into your web design is a very important part of Marketing And Web Design. Be sure, your web design SEO Company makes your website accountable for new business generations every month. Watch this video here: https://youtu.be/BvB206T8drE


The Level 2 data is simply showing the depth of the market. If I am trading shares with my broker I have the option of viewing only the top 10 bid/ask prices in the depth or all of the data (which sometimes can be a very long list). With another broker I get the top ten bid and ask prices and how many orders are available for each price level, or I have the option of listing each order separately for each price level (in order of when the order was placed). I get the same kind of data if trading options. I do not know about futures because I don't trade them. Simply this data may be important to a trader because it may give an indication of whether there are more buyers or sellers in the market, which in turn may (but not always) give an indication of which way the market may be moving. As an example the price depth below shows WBC before market open with sellers outweighing the buyers in both numbers and volume.  This gives an indication that prices may drop when the market opens. Of course there could be some good news coming out prior to market open or just after, causing a flood of buyers into the market and sellers to cancel their orders. This would change everything around with more buyers than sellers and indicate that prices may now be going up. The market depth is an important aspect to look at before putting an order in, as it can give an indication of which way the market is moving, especially in a very liquid security or market.


Ask any smoker that has used the bubbler at smoke shop st Pete and they will tell you that it is a far more pleasant experience than glass pipelines. In terms of size, they fill up the gap between large glass pipes and the smaller bones. It was exactly this demand that caused its development. Just like a bong, you could use water as an air conditioning agent below. It's smaller size works to its benefit. You will hear a sound much like that of a hookah when you breathe in. This is because smoke passes through the water and is cooled and afterward breathed in.


>Capitalism ~~sets~~ influences prices for perceived value.  FTFY  The dismal science?  I don’t know what you are talking about.  Wikipedia says it was coined by a Victorian age historian.  So I’m recreating what you perceive as the dismal science?  From the sound of back t, it is something you disagree with.  But I don’t know enough about either what you disagree or about “the dismal science” to point out where my ideas on economics differ.


It's a good idea to have some emergency money so I would propose a plan that keeps some in your savings:  If the 0% goes away, then consider paying it off, but by that time hopefully you have built up your savings a bit more. Also consider the ability to move the balance from the 2% cards to the 0% one, if that is possible.


James Roth provides a partial solution good for stock picking but let's speed up process a bit, already calculated historical standard deviations: Ibbotson, very good collection of research papers here, examples below Books


They should choose Minneapolis, although I don’t see it on the list. It is an amazing and underrated city. It is also reasonably close to Iowa where server farms are likely to start popping up like crazy; due to the availability of renewable energy and limited exposure to natural disasters.


"It's all about what you value personally. I'm mid-30s and drive a $40K ""luxury"" sports car.  I also happen to wear a $6K wristwatch every day.  I purchased both of these items because I thought they were beautiful when I saw them. On the flip side, because I spent 6 years living below the poverty line, I instinctively spend almost nothing on a daily basis.  My food budget is less than $50 a week, and I never go out to eat.  I wear my clothes and shoes and coats until they have holes, and I drove my previous car (a Toyota) into the ground.  My cell phone is 5 years old.  The walls of my apartment are bare.  I don't have cable TV, I don't subscribe to newspapers or magazines, and I don't own a pet.  In all of these cases I don't feel like I'm ""sacrificing"" anything; food and clothes and cell phones and pets just don't matter to me. If you truly feel that you're missing something in your life by not having a luxury car -- that owning one would be more satisfying than owning the corresponding tens of thousands of dollars -- then go for it.  Just be sure to consider all the other things that money could buy before you do. Lastly, buy in cash.  Don't make monthly payments unless you enjoy giving money away to the bank!"


The best way is to retain the charge slips. After you are done for the month you can discard them.   Alternatively if you are using any of the personal finance tool or a simple XLS to track exepnses, it would be easy to figure out what you actually spent and what was not yours.


In addition to the higher risk as pointed out by @JamesRoth, you also need to consider that there are regulations against 'naked shorting' so you generally need to either own the security, or have someone that is willing to 'loan' the security to you in order to sell short.  If you own a stock you are shorting, the IRS could view the transaction as a Sell followed by a buy taking place in a less than 30 day period and you could be subject to wash-sale rules.  This added complexity (most often the finding of someone to loan you the security you are shorting) is another reason such trades are considered more advanced. You should also be aware that there are currently a number of proposals to re-instate the 'uptick rule' or some circuit-breaker variant. Designed to prevent short-sellers from driving down the price of a stock (and conducting 'bear raids etc) the first requires that a stock trade at the same or higher price as prior trades before you can submit a short.  In the latter shorting would be prohibited after a stock price had fallen a given percentage in a given amount of time.  In either case, should such a rule be (re)established then you could face limitations attempting to execute a short which you would not need to worry about doing simple buys or sells.   As to vehicles that would do this kind of thing (if you are convinced we are in a bear market and willing to take the risk) there are a number of ETF's classified as 'Inverse Exchange Traded Funds (ETF's) for a variety of markets that via various means seek to deliver a return similar to that of 'shorting the market' in question.  One such example for a common broad market is ticker SH the ProShares Short S&P500 ETF, which seeks to deliver a return that is the inverse of the S&P500 (and as would be predicted based on the roughly +15% performance of the S&P500 over the last 12 months, SH is down roughly -15% over the same period).  The Wikipedia article on inverse ETF's lists a number of other such funds covering various markets.   I think it should be noted that using such a vehicle is a pretty 'aggressive bet' to take in reaction to the belief that a bear market is imminent.  A more conservative approach would be to simply take money out of the market and place it in something like CD's or Treasury instruments.  In that case, you preserve your capital, regardless of what happens in the market. Using an inverse ETF OTOH means that if the market went bull instead of bear, you would lose money instead of merely holding your position.


Since I have been banned at /r/aviation for desk-thumping the severe Trump criticism of Boeing (whose construction of Trump's overpriced Boeing Presidential aircraft was faulty and subject of a recall) I cannot post at censorship-happy, headchoppers'-haven r/aviation this notice that Russia has arrived in the AirBus/Boeing comfy zone. Probably China is next.


As far as I can tell, the direct deposit option would require you to have a US bank account, which you don't have. So wire transfer is your only option unless you can ask them to try something else, like one of the cheaper money transfer services around. The charges for wire transfers tend to be fairly significant (typically low tens of USD). Depending on your relationship with the payer and the nature of the payment, try to get them to send it with all charges paid so you actually receive the amount you are owed and they cover the charges.


"In case other people arrive at this page wondering whether they should enable automatic reinvestment of dividends and capital gains for taxable (non-retirement) accounts (which is what I was searching for when I first arrived on this page): You might want to review https://www.bogleheads.org/wiki/Reinvesting_dividends_in_a_taxable_account and http://www.fivecentnickel.com/2011/01/26/why-you-shouldnt-automatically-reinvest-dividends/. The general idea is that--assuming you plan to regularly manually rebalance your portfolio to ensure that all of the ""pieces of the pie"" are the relative sizes that you want--there are approaches you can use to minimize taxes (and also fees, although at Vanguard I don't think that's a concern) if you choose a ""SpecID cost basis"" and manual reinvestment. Then you can go to ""Change your dividends and capital gains distribution elections"" at https://personal.vanguard.com/us/DivCapGainAccountSelection."


Considered that in Italy even no-profit hospitals are not tax exempt, I also see no reason to exempt *any* property of the Church.  However, it is not so easy. In a historical and legal perspective, keep in mind that in Italy the Roman Catholic Church is not an entity like the others. [Treaties](http://en.wikipedia.org/wiki/Concordat) between the Vatican and Italy exist.


Good questions. I can only add that it may be valuable if the company is bought, they may buy the options. Happened to me in previous company.


Good on 'em!  I recently swapped out my old Galaxy S5 for a new LG, and I have to say that the Galaxy's reputation as an industry leader is well-deserved.  The LG does a lot of things better than my old Galaxy, but it has many more design flaws and stupid bullshits and in general, I preferred the Galaxy, me not being much of a technophile.


"> And moreover there is no way that Sculley would have known about Sony's patent application until after it was issued (which I believe was in circa 1970, by which time Sculley would have been 30+ years old).  Why would he have had to have known about Sony's patent application. He explicitly stated he *didn't* know about it until after it was awarded.  > And if you go with the OTHER version of this story -- that it wasn't a ""Trinitron"" but rather the ORIGINAL ""Color TV"" idea... well, then it becomes even LESS plausible...  Huh... it was neither. It was *a* color CRT design that bore a striking resemblance to what became the Trinitron display and certainly could have been considered prior art for some of the relevant patents.  > Pretty much like the rest of Sculley's claims regarding his ""technology ideas"" and inventions -- it's all retconned bullshit that was come up with during/after his time at Apple in order to make him look/sound like someone other than a ""carmel-colored sugar-water marketing guy"".  The point isn't that Sculley was some genius inventor. He wasn't some master visionary who could predict the future. He sure wasn't going to build an Apple II in his garage. He clearly wasn't any of those things... then again, neither was Steve Jobs. What Sculley did have though a talent and an abiding interest in technology and certainly understood it far more thoroughly than ""some caramel-colored sugar-water marketing guy"" (let's assume for a moment his TV design was complete crap and unoriginal... how many kids his age do you think were even coming up with crappy, unoriginal TV designs, and how many of those went on to become marketing guys?).  He could reason and understand about technology, its potential, and its impact in a way that a lot of CEO's at the time couldn't. That ability to hear all the technical ideas (and I'd really love to see the part where he claimed credit for these inventions... because I sure haven't noticed that from *any* of Apple's CEO's before, even Jobs) in development by a multitude of others and synthesize a realistic model of how the market would all come together with enough certainty to act on it is exactly what most CEO's suck at.  If you want to talk about BS mythologies, let's talk about the notion that the only CEO Apple had that understood technology was Steve Jobs."


Kudos to you on having money in a retirement account as early as after college.  Many people don't start investing towards retirement until far to late and compound interest makes a major difference in those early years. Ideally, neither withdraw nor borrow from these accounts.  Withdrawing from your 403b will incur a 10% penalty unless you are over the minimum age on top of the normal tax on that income.  With a 401K loan you're putting yourself at risk if you run into a situation where you can't pay the loan back of incurring the same penalties as an early withdrawal.  This article covers the concerns well. In general, you want to view your retirement money as untouchable until the distributions need to start coming in retirement.  It's your future in there. Of course, this doesn't help the short term cash need.  Do you have money in an emergency fund somewhere?  Could a relative loan you money?  Can you move to a less expensive place in advance and squirrel away some of what would have been your rent cash?  Can you cut back to bare necessities and do the same?  Do you have some nice stuff sitting around that you could sell to make up that needed cash?  Will your current employer pay out unused vacation or are you getting any severance from this situation?  Will you qualify for unemployment? I other words, think about what you would do to get the money if your retirement accounts weren't there.  Then do that - as long as it's legal and doesn't involve running up debt on high interest lines of credit - instead of borrowing against your future.


A hematology analyzer is very useful as doctors have used routine blood testing to monitor every type of health condition, from hormone levels to glucose and various vitamin deficiencies. And it comes as no surprise that as awareness level amongst the masses rises; a growing fraction of the general population is making its way to blood test clinics to improve their overall health. This makes the use of hematology analyzers to run tests on blood samples more celebrated.


"Now, how many seats was JetBlue actually able to sell at that price? They sold out every flight almost immediately after announcing this. Everyone is shitting on American for charging >1K for ticket prices. These are full fares that are normally sold less than 1% of the time.   Optimally, airlines never seek 100% of their seats, they try to sell about 90-95% and save the rest of the seats for business travelers going somewhere last minute or for passengers that had an emergency  on the other side of the country.   Because there were so many flight cancellations, and virtually no seats available anywhere, the algorithms were trying to ""protect"" that availability for walk-up ticket purchases."


It definitely depends on your risk appetite as Joe Taxpayer pointed out in his answer. Covered calls are a good choice for someone who already own's the stock, because the premium collected reduces the cost basis for the position. The downside is that if the calls are exercised, there is a good chance that you are missing out on additional upside in the stock price (because the strike is obviously below the market value for the stocks).  Another good option trade is the spread option. This would allow you to capture the difference between the two strikes of the options in the spread. This is also one of the less risky choices because your initial cost an potential profit/loss are known in advance of entering the position.


Do all/most unit trusts have equalisation policy? It is really that some value of the fund is given to the investor, so the fund value goes down by that much per unit. It depends on the type of mutual funds. For example, there are growth type mutual funds that do not give any dividend and the total value of the fund is reflected in its price. Do the companies whose stocks we owned directly apply equalisation policy on their dividends as well? Why not? As far a stock price is concerned, it usually decrease by the same amount of the dividend payout at ex-date, so in effect, the market in a way does the equalization, the company directly does not do it.


By exploiting institutional investors, HFT does hurt small investors. People with pension, mutual, and index funds get smaller returns. Endowment funds are also going to get hurt which hurts hospitals, schools, charities, and other institutions that work for the public good.  I agree with you though. At this point we would likely be just arguing semantics.


"The most fundamental answer is that when you short a stock (or an ETF), you short a specific number of shares on a specific day, and you probably don't adjust this much as the price wobbles goes up and down. But an inverse fund is not tied to a specific start date, like your own transaction is.  It adjusts on an ongoing basis to maintain its full specified leverage at all times.  If the underlying index goes up, it has to effectively ""buy in"" because its collateral is no longer sufficient to support its open position.  On the other hand, if the underlying index goes down, that frees up collateral which is used to effectively short-sell more of the underlying.  So by design it will buy high and sell low, and so any volatility will pump money out of the fund. I say ""effectively"" because inverse funds use derivatives and contracts, rather than actually shorting the underlying security.   Which brings up the less fundamental issue.  These derivatives and contracts are relatively opaque; the counter-parties are in it for their own benefit, not yours; and the people who run the fund get their expenses regardless of how you do, and they are hard for you to monitor.  This is a hazardous combination."


"As trane_0 suggested above, I am not questioning the validity of the study by Kenichi Ueda and Beatrice Weder Di Mauro. I don't doubt that there is some discount to the risk premium demanded in the market for the debt of systemically important banks.   What I am doubting is that this is a ""subsidy"" by the US government. This is a ""subsidy"" by bond investors, not the US government. Additionally, it is based on the assessment of risk by those investors as there is no explicit guarantee by the US government (see Lehman Brothers and Bear Stearns). There is no transfer of wealth by the US government and therefore there is no active subsidy."


A lot of people use dividend stocks as a regular income, which is why dividend stocks are often associated with retirement. If your goal is growth and you're reinvesting capital gains and dividends then investing growth stocks or dividend stocks should have the same effect. The only difference would be if you are manually reinvesting dividends, which could incur extra trading fees.


"Unfortunately, where I live, minimum wage is what is available to High School graduates.  We have an abundance of minimum wage jobs looking to hire, and no docks, and few greater than minimum wage jobs for people right out of High School.  And minimum wage isn't enough to support a person here.  I think school costs have gone up for more than just loans for everyone.  Our colleges have administration bloat, huge wages for the top few, and are being run like businesses rather than schools: profit over people.  Their educational license still stands, but they work to increase their profit rather than increase their quality of education.  I understand that there is a large ""blame game"" going on about why people are poor or undeserving.  They are lazy. They are drug addicts and gangsters.  They are entitled.  Any excuse we can come up with to not help the other guy.  The other issue is HOW we help the other guy:  Do we hand them money and say, ""Go out and succeed""?  That's been our current method.  But both of these issues again fall to education!  If we can improve education so it teaches people how to have an impact on their world, how to find something they can do well, and how to succeed, then we can resolve the other issues.  Right now, our schools teach basic skills: Math, Science, Reading to the extent that the students can past the tests.  But the world is not built on Math, Science, and Reading.  They are important, but more important are social skills, resource allocation and utilization, self-learning, testing and verifying.  Teach them the basics!  We need them!  But teach them to be self-controlling, self-responsible people.  I know this is part of the third paragraph, but I find, on the outset, we may seem like we have completely different views, when in reality, it is simply where we put the emphasis, not the actual view itself, that differs."


Ben already covered most of this in his answer, but I want to emphasize the most important part of getting a loan with limited credit history. Go into a credit union or community bank and talk to the loan officer there in person. Ask for recommendations on how much they would lend based on your income to get the best interest rate that they can offer. Sometimes shortening the length of the loan will get you a lower rate, sometimes it won't. (In any case, make sure you can pay it off quickly no matter the term that you sign with.)  Each bank may have different policies. Talk to at least two of them even if the first one offers you terms that you like. Talking to a loan officer is valuable life experience, and if you discuss your goals directly with them, then they will be able to give you feedback about whether they think a small loan is worth their time.


"I think that pattern is impossible, since the attempt to apply the second half would seem to prevent executing the first. Could you rewrite that as ""After the stock rises to $X, start watching for a drop of $Y from peak price; if/when that happens, sell."" Or does that not do what you want? (I'm not going to comment on whether the proposed programmed trading makes sense. Trying to manage things at this level of detail has always struck me as glorified guesswork.)"


Who says that both parents have to work?  Also, why would you include that as an opportunity cost when a parent staying home can and often does save money from work clothes, lunches out, extra gas, car insurance for a second car, not to mention paying for and repairing a second car.  In the end, when I did my analysis for my own life, if I worked full time, I was going to be in debt to keep working.  My actual per hour pay when taking all of these things into account was less than $1 an hour. That doesn't even take into account daycare, days off of work for doctor visits, or anything else.  It is actually much cheaper for a woman to stay home and be employed in the home economy when she is not making at least $10 to $15 an hour depending on where she lives.    If my husband worked and I diligently tried to save money in other areas we were not currently saving money in, I would actually be earning my keep through home employment.  Things like sewing clothes with materials found, canning foods, baking, gardening, raising our own milk and eggs in small amounts, and recycling everything instead of tossing and buying new reduced our cost significantly.  Look even Elizabeth Warren says in this economy, that low skilled workers with less than a Bachelor's that want to have children would be better off doing it this way because of the price of everything.  It is tantamount to turning everything we have been taught on our heads, but it is true if you run the numbers.


I'll be honest the Dorito loco tacos are a guilty pleasure of mine even though I have NO idea what's in them but their loaded chicken grillers are pretty solid. Get them with no sour cream and hot sauce between 2 and 5 O clock for a buck and you have a budget lunch that's hard to beat.


> Most would prefer to go to the toy store so their children can try the bicycle or riding car and choose the one they like.  Precisely why brick and mortar stores are going out of business.  Hard for them to stay in business when people use them as Amazon's showroom floor to try stuff out before they ultimately buy it on Amazon due to better pricing and return policy.


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Just set up a budget. Indicate how much money comes in, how much goes out to must pay expenses (lodging, food, gas, heat, cooling, etc), and determine how much is leftover for anything else you want. If that amount is ok, then you're fine. If not, something needs adjusting.


Bitcoin isn't exactly backed by any substantial economic factors, like a good, skill, etc., and people are less familiar with it than a bond.  The idea of currency existing as debt has been with humankind for thousands of years, and we've just forgotten, so I thought using the bond equivalent wold refresh that thought in peoples minds, and begin a period of rethinking our culture on social and economic terms.


I grew up building gamers from scratch (~1992) and working IRQ, ports, managing conventional memory with those damn boot disks. Then the sound card fiascos. Now that I'm 34 and not into gaming so much, once my PC dies that's the end of my relationship with MS.    It was a fun 22 years and boy did I learn a lot! But that era is long gone. My dad who was right there doing it all with me finally tapped out this year himself. He's a mac-convert at 65. /nerd-nostalgia


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If you look at history, it shows that the more people predict corrections the less was the chance they came. That doesn't prove it stays so, though. 2017 is not any different than other years in the future: Independent of this, with less than ten years remaining until you need to draw from your money, it is a good idea to move away from high risk (and high gain); you will not have enough time to recover if it goes awry. There are different approaches, but you should slowly and continuously migrate your capital to less risky investments. Pick some good days and move 10% or 20% each time to low-risk, so that towards the end of the remaining time 90 or 100% are low or zero risk investments. Many investment banks and retirement funds offer dedicated funds for that, they are called 'Retirement 2020' or 'Retirement 2030'; they do exactly this 'slow and continuous moving over' for you; just pick the right one.


"There's nothing to rebalance, the index fund rebalances itself to continue matching the index. However, you need to understand that such an investment is not diversified and you only invest in a very specific market, and very specific stocks on that market. S&P 500 is large (500 different companies, most of the time), but still not as broadly diversified as your retirement investment portfolio should be. You should talk to a financial adviser (CFP for example), many companies provide access to these for 401k plan participants. But in any case, I'd suggest considering ""target date"" funds - funds that are investing based on your expected retirement year, and become more conservative as you get closer to that year."


"Discussions around expected values and risk premiums are very useful, but there's another thing to consider: cash flow. Some individuals have high value assets that are vital to them, such as  transportation or housing.  The cost of replacing these assets is prohibitive to them: their cashflow means that their rate of saving is too low to accrue a fund large enough to cover the asset's loss. However, their cashflow is such that they can afford insurance. While it may be true that, over time, they would be ""better off"" saving that money in an asset replacement fund, until that fund reaches a certain level, they are unprotected. Thus, it's not just about being risk averse; there are some very pragmatic reasons why individuals with low disposable income might elect to pay for insurance when they would be financially better off without it."


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I haven't really dug into this story.  Did he release a public memo, or did he write an internal memo that someone else released?  To me, that's a big difference.  Anyone should be allowed to voice their concerns and get a fair hearing, and an organization that fires anyone who questions their policies is toxic.  The way some stories are written, it sounds as though the VP of Diversity had his head because he dared to question the way she does her job.   That's quite a bit different than airing your grievances publicly, though.  Frankly, if one of my employees had a viral rant about my company, I'd probably show him the door.  It's not about his opinions at that point, it's about the lack of discretion.


This creates high levels of efficiency, but is efficiency really what we need?  A robot is very efficient, and increases income, but for who?  When a corporation absorbs another, it does so *with the expectation* that redundant jobs will be shed, and that the income from those jobs will go to the shareholders.  And so one can see where income inequality has it's roots.


I'm a pretty big Yelp user. I have been frequenting a new local business and have come to understand how their reviews get filtered to help them. It's very simple to get the filtered reviews to come up on the main page.   If you sign up and do one review it will be on the main page for a little while, a week or two, then drop off. They give the new user time to start doing reviews and to become part of the community. If there is no other activity, they become filtered. To get them back to the main page all the user has to do is friend a few people and do some more reviews. Not many even. They are a small sandwich shop and know their regulars. I shared with them this simple information and I have seen their page go from two reviews to seven. They just asked their customers to review other places and their reviews came back.   The Yelp system is to stop the one review and done people. It works the same for bad reviews as well.


Okay as long as you aren't dumb enough to actually think this would be worth pursuing. I don't want you to waste your money when it could go towards something nice, like your house budget.  If you really do believe they are overvalued there are much better strategies.


Luck and merit are not mutually exclusive.  It takes luck to get merit.   The most interesting part of the cartoon is not that some rich man has the power to push back the hoard but that otherwise the whole earth would just be covered up and then what?  Humans need to stop breeding. 7 billlion is already too much.


Awesome, you are a math guy.  Very good for you.  In theory, what you are proposing, should work out great as the math works out great.  However have you taken a economics or finance coursework?  The math that they do in these class will leave a most math guys uncomfortable with the imprecision even when one is comfortable with chaos theory. Personal finance is worse.  If it were about math things like reverse mortgages, payday lenders, and advances on one income tax returns would not exist.   The risk derived from the situation you describe is one born out of behavior.  Sometimes it is beyond control of the person attempting your scheme.  Suppose one of these happen: In my opinion the market is risky enough without borrowing money in order to invest.  Its one thing to not pay extra principle to a mortgage in order to put that money in play in the market, it is another thing to do what you are suggesting.  While their may be late fees associated with a mortgage payment, a fixed rate mortgage will not change if you late on payment(s). On these balance transfer CC schemes they will jack your rate up for any excuse possible.  I read an article that the most common way to end up with a 23%+ credit card was to start out with a 0% balance transfer.  One thing that is often overlooked is that the transfer fee paid jacks up the stated rate of the card.   In the end, get out of consumer debt, have an emergency fund, then start investing.  Building a firm financial foundation is the best way to go about it.  Without one it will be difficult to make headway.  With one your net worth will increase faster then you imagined possible.


Thank you. I try to lead my firm in a way where everyone feels important; I like to surround myself with intelligent and hardworking people.  I appreciate the empathy (and sympathy) regarding my age - some people are jealous, others don't understand. That's there problem, not mine.   I actually managed an ice cream shop when I was in high school too. (;  Good luck!


That will depend on what area of finance you're interested in. For some sectors you shouldn't focus on programming as a skill to learn outside the classroom (for example CRE, iBanking). Personally I think VBA, Python and R would be great places to start (and useful in sectors such as risk management, trading and possibly even the insurance industry). Just pick one, the first one you learn will take the longest after that you'll realize learning more isn't that hard.


"The market price of a stock is based on nothing at all more than what two parties were last willing to transact for it. The stock has a ""bid"" and an ""ask"" each is the value placed by a counterparty. For the sale to occur, one party must meet the other. The stock transacts and that is the price. For a stock to ""go up"" people must be willing to pay more for it. Likewise, for it to ""go down"" people must be willing to accept less for it."


As weird as it seems, 5 years is not a long term investment.  Furthermore investing is about accepting risk.  Based on your criteria for the alternative to a down payment, I think your only choice is to make the larger down payment. If however, you were willing to invest that money for the long term (in a retirement account or an educational account for example) then I would definitely encourage you to invest.  I think the chance that a long term investment in a diversified investment account will exceed 3.25% is pretty high.  However, that is only my opinion, and I am not clairvoyant, so your let your personal tolerance to risk be your guide. But again, based on the way you asked it, down payment all the way.  Your time frame means you are not an investor.  Therefore your only option for risk free storage of money is an FDIC insured account, which might pay a little less than 1% for the next 5 years.  A bigger down payment will have a 3.25% return in this case. In that order.  #4 and #5 could be swapped if the interest rate on the loans is really low.


When the check is deposited, the bank verifies the signature in the check matches your signature in file.


If this was going on in the UK, I would try to get a mental capacity assessment done on the father. There are laws that stop you taking advantage of people that don’t understand what is going on; these laws could be used against the manager, but only if you can clearly prove that the father does not understand that the “business” is losing money. If the father does understand what is going on, then there is nothing you can do, as he has every right to waste his money, and anyone that may inherit what is left has no rights until he is dead.


No, you may not deduct the charitable contributions of your children. The Nest covers this in detail: The IRS only allows you to deduct charitable contributions that you personally funded, whether the contribution was made in your name or in someone else's. If your child or dependent makes a donation to a charity, you are not allowed to claim it as a tax deduction. This is true even if your dependent does not claim the contribution on his own tax return because he opts for the standard deduction rather than itemizing or claims exemption. Now, had you constructed the transaction differently, it's possible you could've made the contribution in your child's name and thus claimed the deduction.  Allowance is technically a gift, and if she agrees to forgo allowance in exchange for you making a contribution, well, the IRS can't really complain (though they might try if it were a large amount!). Contributions in the name of someone else, but funded by yourself, are deductible: [Y]ou can deduct contributions you make in someone else’s name. So if you donated a certain amount of money to XYZ charity in your child’s name, for example, you would be able to deduct this amount on your taxes, as long as the deduction requirements are met. You will need to keep accurate records of the payment along with the receipt from the organization to prove you financed the donation.


Awesome to see this.  Costco is a much better company and they treat their employees well.  I'm happy to see Walmart employees stand up for their rights and make a stand.  It must be incredibly difficult for them as well, considering their financial situation.


"She claimed that she makes money. When you wanted to make some too, she asked for your account credentials - which are only needed to take money away, never to give. The simplest explanation would be loan scam: Even if you have only $10 on your account, you can lose much more - the trick is that someone using your credentials can take an online loan in your name, and steal that money. If the scheme is long-running, she'll be taking new loans and using the money to pay back the earlier ones, building up credit history for her victims - only to allow taking even bigger loans. Her victims see the incoming transfers and are happy about the scheme ""working"". Until she decides that the pot is big enough to cash it in and disappear, leaving everyone deep in debt. Those who fell for this could be already defaulting loans they have no idea about and the loan companies have no way of notifying them, because she redirected the contact details. Never reveal your password. Nobody needs your password for any legitimate purpose."


1) Don't get an MBA yet. You should spend ~3-5 years in the industry first.  2) If you think you need Excel classes, you probably need Excel classes. Depending on what type of path you want to take, either learn financial modeling/forecasting or data analysis. Or both. There are a ton of free resources online to get yourself started. [Like this.](http://macabacus.com/)  3) If you need to, start in an ops/support role to build your network. These roles don't require a ton of industry experience, allow you to build your skill set, and (most importantly) allow you to network with people in the industry. I started off in a Market Risk support role at a major bank and now I'm working in front office finance. Just go above and beyond people's expectations, learn as much as possible, and keep an end game goal in mind.


I've called both BofA and Amex Customer Support, and they couldn't help. That's because you cannot. Debit card is tied to your checking account, so you can do a cash advance from your AMEX and deposit it to your BOA checking account. It will then be available to use with your debit card.


Completely agree. Wal-Mart has both the capital and the wherewithal to readjust incredibly quickly as they deem it necessary to do so. Couple those with the clout they have with manufacturers and it's fairly easy to see that a threat to Wal-Mart such as to see them 'losing all' to Amazon is more than a bit overly optimistic on an Amazon fanatic's part.  I like Amazon, and shop there regularly, arguably more than Wal-Mart.. ..but, I shop at both. There are certain things that Wal-Mart is just 'better' for.. ..for now. Things change, but Wal-Mart can easily afford to change with it if it feels so inclined. They aren't IBM vs Microsoft; stuck in a mindset and incapable of imagining a reality outside of that. Even with that analogy, IBM is still around.


I’ve spent roughly $70,000 at Amazon the past 3 years (calculated using their spreadsheet data of spending in the account section). What these businesses don’t understand is that the products are all the same and the pricing varies minimally; customer service is and always will be my number one determining factor in where I do business. It takes me 30 seconds to get an Amazon agent on the line and 20 minutes for a Best Buy agent, plus Amz’s return policies beat the shit out of B.B’s.


There are two unique identifiers for a bank account: SWIFT code + bank internal identifier, or IBAN code. IBAN is mostly used within European banking system, and the whole code provides a direct and unique identification of the account. SWIFT is an international network where each bank/bank branch has its own address, and account number is a metadata added to the message for the receiving bank to handle. Usually the name of the recipient and additional information are required when wiring money through the SWIFT network, to match the records and make sure there's no mistake. Account numbers don't have to be unique, not even within the same bank. There's always something else in addition to uniquely identify them.


That's not exactly what I said, but can you point to a specific policy by a President that caused any of these crashes or booms?  War would be one, but you'd rarely hear a President calling to start a war in the modern era to boost the economy...


I've read multiple times that the way to rebuild the credit score is to get a credit card and then have some minor charges on it every month and have them paid in full every month. Old negative events age and this disciplined activity rebuild the score to some not to horrible levels. Now it's true that it's hard to get reasonably good credit cards when your credit score is poor. Yet it's not necessary to have a good credit card for this case - such things as large credit limit are not needed. All that's needed is a long grace period so that there's no interest between the moment a charge is done and a moment the bill is paid in full at the end of the month. Yes, the card may have rather high interest and rather low credit limit, but it doesn't really matter. I've read once on MSN Money that people are offered credit even while they're in the middle of bankruptcy, so it's not impossible to get a credit card in the described situation. Goes without saying that a lot of discipline will be needed to have all this implemented.


I don't but you sounded like a close minded Jesus loving teenage redneck couch-potato from bible belt who only watches FoxTV. I am aware that RT is an official Russian government channel but that doesn't change the fact that dollar is in trouble. But i don't blame you. US high schools probably not gonna teach you that ;)   Here, you can read from a variety of other 'trusted' sources:   http://online.wsj.com/news/articles/SB10001424052748703907004576279321350926848  http://business.financialpost.com/2013/10/15/us-dollar-supremacy-decline/  http://www.cnbc.com/id/101650260#. http://www.thenational.ae/business/industry-insights/markets/us-federal-reserve-powerless-to-halt-dollars-decline


"Old question I know, but I have some thoughts to share. Your title and question say two different things.  ""Better off"" should mean maximizing your ex-ante utility.  Most of your question seems to describe maximizing your expected return, as do the simulation exercises here.  Those are two different things because risk is implicitly ignored by what you call ""the pure mathematical answer.""  The expected return on your investments needs to exceed the cost of your debt because interest you pay is risk-free while your investments are risky. To solve this problem, consider the portfolio problem where paying down debt is the risk-free asset and consider the set of optimal solutions.  You will get a capital allocation line between the solution where you put everything into paying down debt and the optimal/tangent portfolio from the set of risky assets.   In order to determine where on that line someone is, you must know their utility function and risk parameters.  You also must know the parameters of the investable universe, which we don't."


We are the richest nation in the history of the world. We produce and consume more now than at any point in history.   Credit card debt is nowhere near historical levels. Delinquency rates on credit card loans is near the lowest it has ever been.  https://fred.stlouisfed.org/series/DRCCLACBS   It may seem wild and not make a lot of sense that data does not fit your worldview, but let yourself be open to information that conflicts with your own.   otherwise you are just held hostage by your own misconceptions.   You are going to wait a lifetime for that riot pal and you may learn to capitalize proper nouns while you are at it.


They already don't have anywhere to live and can't afford to eat and wear clothes, you want them to waste 8+ hours a day on top of that? Hell, why not pay them 3 dollars an hour? Even more jobs! Isn't that better? Better than 0, right?


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Because swing trading isn't the only reason to buy a stock, and it's not the only way to make money on a stock.  I do not have the expertise to make advice one way or the other, but I personally I feel swing trading is one of the worse ways to invest in the stock market. To answer your specific questions: In the previous post, I outlined a naive trade intended to make $1,000 off a $10k buy, but it was shown this would likely fail, even if the stock price would have increased by 10% had I not placed the trade. Another way to state this is that my trade would disrupt the stock price, and not in my favor at all. So, that means I'd have to settle for a smaller trade. If I bought $100 worth of the stock, that size of a buy wouldn't be too disruptive. I might succeed and get $10 out of the trade (10% of $100). But my trade fee was $8 or so... To summarize, you are completely correct that even hoping for gains of 10% on a consistent basis (in other words, after every single trade!) is totally unrealistic.  You already seem to understand that swing trading on low-volume stocks is pointless.  But your last question was... So how do people make any significant money trading low volume stocks--if they even do? I assume money is made, since the stocks are bought and sold. I have some guesses, but I'd like to hear from the experts. ... and in a comment: Then if no one does make significant money trading these stocks...what are they doing there on the market?  The answer is that the buying and selling is mostly likely not by swing traders.  It's by investors that believe in the company.  The company is on the market because the company believes public trading to be an advantageous position for them to receive capital investments, and there are people out there who think that transaction makes sense.  In other words, real investing.


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'there simply aren’t that many grocery items (a typical grocery store will have between 30,000 and 50,000 SKUs)'  Yes, a 'typical' grocery store will have that many SKUs. If you visit Amazon grocery, you can add in many many more SKUs - and that is without fresh produce, etc.


I think your understanding is correct as far as you describe, but you don't mention a critical detail to me.  You also imply some penalty details for early withdrawal / cancellation but you don't state those terms in detail. Where and when is the interest paid?  Does it go into the same CD for compounding?  Does it get paid to another account?  The description does say that it is priced at par, so we at least know that the interest doesn't have to be stuck unpaid within the CD until maturity, but it also means you don't necessarily get compounding at the CD rate. Without knowing where the interest goes, and if it's available for compounding, be careful in how you compare it to other CDs / savings accounts.  A compoundable structure might be a better option, even at a lower APY.


The cost to the store is small. They may have to pay a slightly greater fee because the transaction is now bigger. They do need additional cash on hand. Even though the majority of transactions are electronic (credit/debit) or check, the local grocery store still seems to have significant cash on hand. This is seen as a customer service. If there is a 2% fee the $50 advance costs them $1 for the minority of customers that take advantage of it. After more than 10 years of doing this they have figured this into the cost of groceries. Of course the credit card company could also waive the fee to store. My credit card online statement does tell me how much cash back was received. The line says date, store, amount ($40.00 cash over and $123.45 purchases) $163.45 total. Therefore the credit card company knows that cash back was used.


"It becomes illegal when it is both material and nonpublic information. Material being defined as: Information that you would want and significantly alters the perception of the stock. To your point -- ""materiality"" is really up to the courts Nonpublic This is a little easier to define, but need to be careful if the information is disclosed selectively -- ie to just a small number of investment analysts -- this may still be nonpublic There is also an exception to this -- Mosaic Theory - This is the research you are referring to where the analyst calls up suppliers, etc and obtains information that is nonmaterial (wouldn't move the price of the security) but using experience and combined with public information creates something that is meaningful and could move the price of the security.  This is perfectly legal.  Material examples:"


You may also want to consider Delaware and Nevada as possible corporate homes.  They are common choices for out of state corporations.  You may find that they are better options.   Will earnings prior to forming the LLC have to be claimed as self-employment income? If so, would it be easier to wait until the next calendar year to form the LLC? Earnings after forming the Limited Liability Corporation (LLC) will probably have to be claimed as self-employment income.  See How LLC Members Are Taxed for more discussion.  In particular, read the section on self-employment taxes:   The current rule is that any owner who works in or helps manage the business must pay this tax on his or her distributive share (rightful share of profits). However, owners who are not active in the LLC -- that is, those who have merely invested money but don't provide services or make management decisions for the LLC -- may be exempt from paying self-employment taxes on their share of profits. The regulations in this area are a bit complicated, but if you actively manage or work in your LLC, you can expect to pay self-employment tax on all LLC profits allocated to you. As I read it, you actively work in the LLC, so it is unlikely that you can avoid paying self-employment taxes.  So it shouldn't make any difference when you officially start an LLC.  You'll have to pay self-employment taxes before and after creating the LLC regardless.   If you don't want to pay self-employment taxes, you may want to consider forming a Subchapter C corporation.  They don't have the same tax structure as Subchapter S corporations or LLCs.  You would be paid some kind of wage, salary, or commission and the corporation would pay the employer's side of the payroll taxes.   Note that Subchapter S corporations and LLCs exist because they usually pay less in tax than Subchapter C corporations do.  Even including the self-employment taxes that you owe.   A CPA should be able to guide you in making these decisions and help you with setup.   The one time that I started a corporation, I just paid a few hundred dollars to a service and they filed the paperwork for me.  That included state fees and notice costs.  The CPA probably has a service association already.


Having just gone through this process as a buyer via broker in Israel, here are my thoughts: Tl;dr: An incentive such as you are suggesting would not be particularly helpful. In this case, your best option is to spend your efforts shopping for a broker that you can trust. The rest: Your main concern is that the broker will find you a place at the top of your budget and will not negotiate aggressively. The main person responsible for negotiation is YOU. You are paying for the property, and you are putting in bids: not your agent. The agent should advise you, but in the end should pass along your bids directly. The real problem is that you, as the buyer, generally do not have as close a feel for the pulse of the market as the broker, who should be quite aware of recent closings in the neighborhood. Therefore, there are a few things that you can do to help arm yourself: At the end of the day, if you have decided to use a broker, you are making a large financial commitment to hire someone to find you the best place, and therefore it may be more important at this point to spend your efforts shopping around for the best broker, rather than trying to figure out how to outsmart her. You are correct: buyers' agents DO have incentives to sell you on places that may not be right or good for you. For example: Although your scheme may help a bit with the first concern, it will not help at all with the other two, which I assume to be much more likely problems in any event. Instead, find recommendations for brokers from others. Have the broker show you a few properties and put in some low bids to get a feel for how she handles them. Discuss the properties together and try to assess if they really have your interests in mind. You are paying a lot for their service, and you should make sure, as much as possible, that they really are working honestly and in your best interest. A good broker who knows his market and is trying to help you can be a great asset in the opaque, cutthroat real estate market. הבל הבלים, הכל הבל. סוף דבר הכל נשמע, את האלוהים יירא ואת מצוותיו שמור כי זה כל האדם. Good luck!


You can do many things: Risk free: Risk of losing:


"I watch a lot of the Vice shows on HBO.  Generally I like what they do.  But they are obviously very liberal-slanted.  I got a little irritated last week when they did a segment about health care.  One of the reporters talked to a bunch of doctors about health care.  They all talked about how the payments from insurance companies are small and/or unfair, etc.  Then at the end, all the doctors just kind of said ""single payer health care would be the best plan"".  But they never provided any kind of outline for what plan that is.  There are many different ways to organize a single payer system.  But to just say ""single payer is great"" seems unhelpful to me, and just trying to push a bias."


Best holiday packages in Dubai are available for you with gomosafer, the online travel division of Mosafer. Dubai is a popular mid-east destination and has become quite popular holidaying destination from the past two decades. It has historic forts, impressive seascapes, luxury hotels, and sandunes and so on.


I've applied to work for chase four times in the last month, and have been turned down four times. Y'all are the embarrassment for not hiring me!! I'd be the best addition to your company you've ever known. I'm embarrassed for you for continuing to operate without me on staff.


How long will that transition take? And why did you get into construction?  I ask because I'm curious about how geography, the number of jobs in your area in that particular field, your perception of job options, why you chose that occupation at the time, and how long you expect your transition from one job to another to take. Those things factor into other arguments going on about this article and I'm curious how that information relates to myself and others.  You mentioned CC debt as building the trade deficit and that isn't entirely true, at least from what I've read about the deficit. The deficit is a symptom/outcome of some of which you know, but the decisions businesses make to outsource doesn't just add to that, but builds a skill deficit. Manufacturing is a good example of businesses outsourced and that skill seeing less and less entry level work due to it, which inhibits choice of income.  As for wages, a lot of countries have minimum wage laws, but to suggest one or another is disastrous for an entire country ignores a variety of economic factors that lead to a crap economy.


I am a Swede living in Sweden and buy this instead of milk. They have replacements for most milk based products. Their yoghurt and cooking cream is amazing. Oatly also writes funny and useful information on their cartridges. A bit more expensive but that's okay for me.


How frequently do people make the switch from back office to front office for S&T roles like that? WSO says its nearly impossible. I know a guy who went from equity research at MS to trader at JPM; he networked hard and did a huge front office transition. Which is more common out of big front-front transitions and back-to-front on the same floor?


Agree with you here. I had to hammer in that concept for all our upcoming IT projects ~ most of these guys just never think in those terms, but frankly, that's the main way we decide on which projects to invest in with a limited budget. How the hell else am I supposed to put it? Results is only half the picture - huge results with even larger costs doesn't automatically  make it a good idea.


Ib banking according to every friend and every article is 80.   Your dad is the first 80 hour emergency doc Ive met if hes an attending and not a resident. Hell I know interventional cardiologists and radiologists who work less than 65 hours a week.


"> meant for adults with families  >meant  It's a job. It doesn't have some greater purpose in life.   It is ""meant"" for anyone who can perform the task.  If the economy is such that a person with children occupies that position, then we should not simply say ""well tough luck buddy, go starve and fuck yourself.""   We should say ""Positions should be able to pay people enough such that law abiding citizens can afford to live on them. All positions""   We should strive to make people happier."


"This is another semantics question.  Again what matters is how the words are commonly used, as the usage came about long before the technical definitions. In this case, when people say ""mutual fund,"" they are often including both unit investment trusts and closed end funds.  Despite the labels the SEC has given in order to differentiate them, I'd say it's common (typical) practice to think of a closed-end fund as a type of mutual fund, rather than a different category altogether.  That's the way I've seen it used, anyway."


First, corporate profits can grow relative to GDP.  If companies succeed in growing revenue without paying much more to workers, then corporate profits and stock prices will grow relative to GDP.  That has been happening for the last couple decades.  If you require that we keep corporate profits vs GDP constant, then borrowing/leverage is how you do it.  Companies can expand their operations on a fixed amount of shareholder equity, and as long as they can grow their profits faster than the cost of the debt, then shareholders keep the upside.  But this also means that share prices will quickly fall if profits decline even a small amount, because the debt must still be paid off.


If you plan to stay in Europe for some time, then you should match your income currency with your liability currency, and so should use the Euro loan to pay off the INR loan, thereby eliminating the currency risk that you currently bear every time you convert Euro into INR to pay down the loan.  Plus, you have a much lower interest rate.  So, do it !


"Too many barriers to entry. New graduates are stuck in a catch 22 senerio if they didn't do internships in their field while in college. Most ""Entry-level"" positions require 2-3 years experience, many certifications, and knowledge of proprietary software which the universities don't have acess to."


My point was to collect as much tax revenue as possible without letting a loophole curtail the collection of said taxes. How ever that is accomplished is a possible solution I support, if the end game eventually disallows paying your own corp in a different country to bring down your bottom line then so be it. Or maybe we should watch what corps categorize as expenses, this is the magic of the internet, people can kick ideas around, you on the other hand had a virtual boner to find a small hole in my suggestion in which you could try to curtail the discussion.    Instead of be anti-intellectual and trying to find tiny flaws in someones suggestions, why not make some of your own. Because last I checked shooting down suggestions while offering none of your own was not a productive practice.


Do you mean commercial real estate lending or corporate lending?  Sadly private equity is really difficult to get into without an investment banking background.  You will be competing with people who have investment banking backgrounds and also MBAs from top 5 schools.  I have friends at HBS, Wharton, etc and they all told me how difficult it is even for them.  It's not even guaranteed at that level.  Obviously, nothing is impossible but a huge challenge.


Nothing beats statistics like that found on Morning Star, Yahoo or Google Finance.  When you are starting out, there is no need to reinvent the wheel.  Pick a couple of mutual funds with good track records and start there.   Keep in mind the financial press, to some degree, has a vested interest in having their readership chase the next hot thing.  So while sites like Seeking Alpha, Kiplingers, or Money do provide some good advice, there is also an element that placates their advertisers.   The only peer-to-peer lending I would consider is Lending Club.  However, you are probably better off in the long run investing in mutual funds.  One way to get involved in individual stocks without getting burned is to participate in Dividend Reinvestment Plans (DRIPs).  Companies that have them tend to be very well established, and they are structured to discourage trading.  Buying is easy, dividend reinvestment is easy, dividend payouts are easy; but, starting and selling  is kind of a pain.  That is a good thing.


"When lending through Kiva you are not making a ""charitable contribution"" it's a loan so you cannot deduct the amount you loaned out.  If you do lose money from your loan you can write off your entire loss same as you would with any other investment. However you should be careful because in the event of a tax audit you need to have the proper documentation in order to prove that loss (I don't know what Kiva provides). So to answer your question, no you would not be liable for any taxes from a Kiva loan."


"I recently requested an off-schedule escrow analysis. We refinanced a house in August and the servicer got confused about when the home owner's insurance was due (in October). They refunded the ""insurance"" money to us in September. That combined with the fact that the insurance amount was different than what they expected, made me request the escrow analysis. That way I can decide whether to pay up the escrow account now or do it over the next year. The servicer agent just said that the monthly payment amounts might change again in January when they do the usual analysis. If you like to set up automatic payments, that would be a downside. I haven't done that yet, so not a problem for me."


"You understood it pretty right. Every fiscal year (which runs from April 6 year Y to April 5 year Y+1), you can deposit a total GBP15k (this number is subject to an annual increase by HMRC) into your ISAs. You can open 2 new ISA every year but the amount deposited to those ISAs shall not excess GBP15k in total. From the 2016/17 tax year some ISAs now permit you to replace any funds you have withdrawn, without using up your allowance. It used to be that if you deposited GBP15K and then withdrew GBP5K, you could not pay in to that ISA again within that tax year as you had already used your full allowance. Under new Flexible ISA rules this would be allowed providing you replace the funds in the same ISA account and within the same tax year (strongly recommend that you check the small prints related to your account to make sure this is he case). Any gains and losses on the investments held in the ISA accounts are for you to take. i.e. If you make investment gains of GBP5K this does not reduces your allowance. You will still be able to deposit GBP15k (or whatever HMRC increases that number to) in the following year. You are also allowed to consolidate your ISAs. You can ask bank A to transfer the amount held into an ISA with bank held with bank B. This is usually done by filling a special form with the bank that will held the money post transactions. Again here be very careful. DO NOT withdraw the money to transfer it yourself as this would count against the GBP15K limit. Instead follow the procedures from the bank. Finally if you don't use your allowance for a given year, you cannot use it during the following year. i.e. if you don't deposit the GBP15K this year, then you cannot deposit GBP30K next year. NB: I used the word ""deposit"". It does not matter to HMRC if the money get invested or not. If you are in a rush on April 4th, just make sure the money is wired into the ISA account by the 5th. No need to rush and make bad investment decision. You can invest it later.  Hope it helps"


"The government thought of that a long time ago, and has any loophole there plugged. Like if you set up a company to buy a car and then allow you to use it ... You can use the car for company business, like driving to a customer's office to make a sales call or delivery, and the cost of the car is then tax deductible. But the company must either prohibit personal use of the car, or keep a log of personal versus business use and the personal use becomes taxable income to you. So at best you'd get to deduct an expense here and then you'd have to add it back there for a net change in taxable income of zero. In general the IRS is very careful about personal use of business property and makes it tough to get away with a free ride. I'm sure there are people who lie about it and get away with it because they're never audited, but even if that causes you no ethical qualms, it's very risky. I don't doubt that there are people with very smart lawyers who have found loopholes in the rules. But it's not as simple as, ""I call myself a business and now all my personal expenses become tax deductible business expenses."" If you could do that, everybody would do it and no one would pay taxes. Which might be a good thing, but the IRS doesn't see it that way."


Hey, sole proprietorships called (don't those comprise roughly 50% of all businesses?) they want to know what corporate tax is.  Hell, most of them want to know what payroll tax is.  They just know it's not fun paying both halves of it.  From my perspective over on the incorporated side: Oh HEY, I'm incorporated as an S-Corp or and LLC -remember those?- and they're going to suck out five percent MORE of my GROSS.  I'll fax you my cash flows statement.  It's going to look like a severed artery.  For those lucky enough to be joining us from the C-Corp world, enjoy trying to retain your key employees without seeing your payroll costs go through the roof.  If you have all your employees by the balls because they don't have the skills to easily transfer [if you think you do, hint: you don't] then I hope you have the stomach to watch them all falling further and further behind and into debt.   I don't.


"The author really glosses over the impact of changes pertaining to ""return to work"" requirements/qualification.   [In Georgia, some recipient groups have been reduced by 60%](http://www.myajc.com/news/breaking-news/more-will-have-work-keep-food-stamps/pu0Y9SASOVxc5QwEzJJLdJ/). I'd be cautious about celebrating this kind of report being connected to people rising out of poverty status. The more obvious conclusion is that the reductions owe more to people simply being excluded from SNAP."


There's a case to be made that companies below a certain market cap have more potential than the higher ones.  Consider, Apple cannot grow 100 fold from its current value. At $700B or so in value, that would be a $70T goal, just about the value of all the combined wealth in the entire US. At some point, the laws of large numbers take over, and exponential growth starts to flatten out.  On the flip side, Apple may have as good or better chance to rise 10% over the next 6-12 months as a random small cap stock.


I would personally look at consolidating your debt at a lower interest rate by refinancing your mortgage. I would leave any retirement funds alone unless it was absolutely necessary to touch it with no other avenues available. However, once you have consolidated your debt into the mortgage I would pay more than the minimum amount so that you don't take too long to pay it off. I would put about 50% of the freed-up cash flow back into the repayments, that way you will be paying more debt off quicker and you will have additional cash flow to help your monthly budget. Another good point would be to go through your monthly budget to see if there is any expenses you could reduce or eliminate.


As an American living in Canada, you don't get it.  The USA wants all of us expats to pay taxes twice. No other country but one does that.   If the USA would follow the rest of the world and not tax profits again after being taxed abroad, these companies wouldn't leave.  We could be having a better conversation here, but it's meaningless buzzwords of patriotism and boycotting.   Burger King will have growth and profit internationally. It makes more sense for them to focus on that. If they end up with 20% of their profit from the USA, why would they pay 120% taxes?  Obviously it's not quite as simple as that, but you get the general idea. The last thing our politicians want is us talking about eliminating double taxation. Just as you can't be tried for the same crime twice, you should not be taxed twice. When BK pays local taxes in whatever country they're in, whether it's lower or higher than the US is irrelevant. Taxes have been paid. End of story. Doesn't matter if it's a lower rate or creative accounting. It's done.


"If you are going to keep your US bank account for any period of time, the very best option I know of is to withdraw Euros from an atm using your US card once you are in Germany.    I draw on my US account regularly (I'm in Munich) and always get the going ""mid market"" exchange rate, which is better than what you get from a currency conversion service, transfer agency, or bank transfer, and there are no fees from the atm or my bank for the currency conversion or withdrawal.   Of course you should check with your bank to verify their rules and fees for atm use internationally.  It would also be wise to put a travel advisory on your account to be sure your transaction is not denied because you are out of country."


"At that point I was between relationships, and not really looking for one, so there was no ""spot formerly known as 'wet'"" to sleep in. I don't know if she ate breakfast or not. She would still be asleep when I left for the rec center at 6AM, then off to breakfast and class.   My friend who lived down the hall ""Bret the Voice"" noticed and would sometimes come over to hang out for a bit when she came over. We'd kick him out when it was time to sleep though.  It was a Cali-king sized bed I made from lashing two long twins together. Flannel sheets during the winter and lounging pillows on the floor made my dormroom The Place to hangout for my friends. Everyone called it ""The Bed of Lounging"". Every once in a while we'd have 4-5 people sleeping in it after a raucous weekend night.  No snoring I recall. I would fall asleep first and was the big spoon. I've never been able to sleep face-to-face with anyone, including my wife of 16 years.   The arrangement came to a halt when Bret the Voice and I moved out of the grad dorm the next year for a apartment off campus. Pam came over a few times to sleep, but not often because she couldn't just walk across campus. She had to drive. And by that time I was starting to get serious with a young lady from my art classes who was the most beautiful girl I'd ever been out with.  That's when I got a waterbed. They wouldn't let me put one in the dorm, even though I was on the ground floor. I asked..."


my first reaction to the buy out was this is great for Whole Foods.  bushels of new money coming in.  currently, Whole Foods stores are in very limited areas.  probably need to 4x or 5x locations to get big enough to give the Bezos drones a good workout  btw, I'd rather be the farmer right now


I think the police normal shift is a 12 hour shift. In order to get OT pay, you must either work more than 3 shifts a week, or work more than 12 hours in your shift. This is some hard working police, I don't think anyone should complaint about the OT paid.


>by the morons  Who would pay that much for this site? I have never met a single person who uses that site or thinks it is worth paying for. All their commercials star older people which immediately makes me think it's a scam or useless.


> With the medallion system, there is some level of protection to ensure that the industry remains viable for those who carry a medallion  Barely any if not close to zero Taxi drivers own medallions. They have to lease the taxi + medallion from a company that owns it, usually for a rate per 12 hour shift. Also while paying high credit card processing fees ~15% and other misc fees to the company that owns the cab and medallion.


The example from the following website: Investopedia - Calculating The Present And Future Value Of Annuities  specifically the section 'Calculating the Present Value of an Annuity Due' shows how the calculation is made.  Using their figures, if five payments of $1000 are made over five years and depreciation (inflation) is 5%, the present value is $4545.95  There is also a formula for this summation, (ref. finance formulas)


"A ""Fund"" is generally speaking a collection of similar financial products, which are bundled into a single investment, so that you as an individual can buy a portion of the Fund rather than buying 50 portions of various products. e.g. a ""Bond Fund"" may be a collection of various corporate bonds that are bundled together. The performance of the Fund would be the aggregate of each individual item. Generally speaking Funds are like pre-packaged ""diversification"". Rather than take time (and fees) to buy 50 different stocks on the same stock index, you could buy an ""Index Fund"" which represents the values of all of those stocks. A ""Portfolio"" is your individual package of investments. ie: the 20k you have in bonds + the 5k you have in shares, + the 50k you have in ""Funds"" + the 100k rental property you own. You might split the definition further buy saying ""My 401(k) portfolio & my taxable portfolio & my real estate portfolio""(etc.), to denote how those items are invested. The implication of ""Portfolio"" is that you have considered how all of your investments work together; ie: your 5k in stocks is not so risky, because it is only 5k out of your entire 185k portfolio, which includes some low risk bonds and funds. Another way of looking at it, is that a Fund is a special type of Portfolio. That is, a Fund is a portfolio, that someone will sell to someone else (see Daniel's answer below). For example: Imagine you had $5,000 invested in IBM shares, and also had $5,000 invested in Apple shares. Call this your portfolio. But you also want to sell your portfolio, so let's also call it a 'fund'. Then you sell half of your 'fund' to a friend. So your friend (let's call him Maurice) pays you $4,000, to invest in your 'Fund'. Maurice gives you $4k, and in return, you given him a note that says ""Maurice owns 40% of atp9's Fund"".  The following month, IBM pays you $100 in dividends. But, Maurice owns 40% of those dividends. So you give him a cheque for $40 (some funds automatically reinvest dividends for their clients instead of paying them out immediately). Then you sell your Apple shares for $6,000 (a gain of $1,000 since you bought them). But Maurice owns 40% of that 6k, so you give him $2,400 (or perhaps, instead of giving him the money immediately, you reinvest it within the fund, and buy $6k of Microsoft shares). Why would you set up this Fund? Because Maurice will pay you a fee equal to, let's say, 1% of his total investment. Your job is now to invest the money in the Fund, in a way that aligns with what you told Maurice when he signed the contract. ie: maybe it's a tech fund, and you can only invest in big Tech companies. Maybe it's an Index fund, and your investment needs to exactly match a specific portion of the New York Stock Exchange. Maybe it's a bond fund, and you can only invest in corporate bonds. So to reiterate, a portfolio is a collection of investments (think of an artist's portfolio, being a collection of their work). Usually, people refer to their own 'portfolio', of personal investments. A fund is someone's portfolio, that other people can invest in. This allows an individual investor to give some of their decision making over to a Fund manager. In addition to relying on expertise of others, this allows the investor to save on transaction costs, because they can have a well-diversified portfolio (see what I did there?) while only buying into one or a few funds."


20k a year for in-state university is a lot more believable (and let's leave out 'good' because then we would have to account for USNWR rankings and tuitions would definitely be higher). I'm pretty sure the private college tuition average is closer to 40k/yr, maybe even over it.


"I was being a bit facetious, but in general the public accounting profession  should be dedicated to the public good. Any scope restrictions placed on the auditors while performing the engagement should immediately be reported by the staff to accounting management. Basically any shady acts of the client should be noted in the work papers and reported. There's a whole bunch of rules to tell an audit staff accountant when to go above their own seniors/management if there is collusion or fraud.   Scope restrictions, ie. ""Hey you can't go in the warehouse to count inventory"", depending on the severity could qualify the audit report, disclaimer of an opinion, or withdrawal from the engagement. Therefore it's the auditors responsibility to refuse to provide a false audit report to the public or otherwise users of the financial statements. They should never act in the manner most profitable for the firm when faced with an ethical dilemma.   Then there's practicality and most audit partners will do anything it takes to keep their largest clients. On the same coin, those clients want a clean bill of reference for their creditors. Long standing relationships are most vulnerable to letting things slide in favor of the client.   There are thousands of companies and even ones publicly traded. The government would have to grow exponentially to actually audit all of these companies. That'll never happen, they have no idea where their own money goes as long as the revenues cover the expenditures."


"LOL!!!! The whole purpose of Robots, and AI, and Robots with AI, is to take jobs from humans.  How on earth Robots/AI can ""create more jobs""?  Also(!!!!), Robots/AI reduce costs. The cost of goods and services will go down sharply. People will actually get paid less!!!! Because the costs are less."