Your edit indicates that you may not yet be ready to get heavily involved in investing. I say this because it seems you are not very familiar with foundational finance/investing concepts.  The returns that you are seeing as 'yearly' are just the reported earnings every 12 months, which all public companies must publish. Those 'returns' are not the same as the earnings of individual investors (which will be on the basis of dividends paid by the company [which are often annual, sometimes semi-annual, and sometimes quarterly], and by selling shares purchased previously. Note that over 3 months time, investing in interest-earning investments [like bank deposits] will earn you something like 0.5%. Investing in the stock market will earn you something like 2% (but with generally higher risk than investing in something earning interest). If you expect to earn significant amounts of money in only 3 months, you will not be able to without taking on extreme levels of risk [risk as high as going to a casino].  Safe investing takes time - years. In the short term, the best thing you can do to earn money is by earning more [through a better job, or a second part-time job], or spending less [budget, pay down high interest debt, and spend less than you earn]. I highly recommend you look through this site for more budgeting questions on how to get control of your finances. If you feel that doesn't apply to you, I encourage you to do a lot more research on investing before you send your money somewhere - you could be taking on more risk than you realize, if you are not properly informed.


I'm a sysadmin by trade. Yes there's still a lot of skeptimism towards MS, as sysadmins are much slower to change their views. But a lot of admins are well skilled in MS services. Rarely will you find an admin that hasn't managed an AD environment at least once in their life.


The root cause can be said to always be a crisis in confidence.  It may be due to a very real event.  However, confidence is what pushes the markets up and worries are what bring them down.


You're not talking about capitalism, you're talking about hate for the bourgeois which you refer to as parasites, thus making you the proletariat. You don't own a business, you work for one. If you wanted to create a company, you could because you have the freedom to so do, the opportunity to sacrafice (as this guy did) through discipline and determination. But you don't-- you prefer to debate religion and give people advice and make assertions on the internet.  Capitalism is an economic system that is based on private ownership of the means of production and the creation of goods or services for profit. (taken right from wikipedia).  This guy built a company from the garage of a small house, driving a 12 year old car while his friends drove new cars and enjoyed healthy salaries. Today his company has 7,000 employees and lots of revenue. Who did he exploit? It sounds like he produced a service, for profit.   So what is exploitive? The fact that his revenue and profit are larger than most? His net profit is much lower than gross profit because of already high liabilities, not only including various taxes, but as much or more in mandatory insurances, I'd wager the net profit is less than half of the gross profit. If his liability increases, there is less incentive to continue operations.   The fact is he created his business and he can do with it what he pleases.


The cost for publication is US$ 25, which they accept only via money order or check. I only own a saving account in an Indian bank. India does not have International Money Order to US. If check's are fine, walk into your Branch and request for a US Dollar Banks Check. They should be able to arrange for one, there are fees associated with this. You can then mail this out to the US Organization.


Most of the Walmart hate can be traced back to Unions who have been trying to get in for years, this is not about the employees. I see no evidence that Walmart has less pay/benefits than a comparable job at any other store. Also the other big box stores are not unionized either, but Walmart is the biggest so they go after them.


"You don't understand any of the issues involved, and you look like an idiot commenting on them.  Congress controls the Fed's mandate. They could change it from ""price stability"" to ""hyperinflation is a good idea"" and they'd be printing the next day.  There are many good reasons why they don't do that."


> Arguably, the dollar today is essentially backed by oil i.e. as economists say the 'petrodollar'.  This isn't really true. The exchange rate between USD and a barrel of oil floats with the market whereas it was fixed with gold.  Also by the nature of the way oil is consumed it doesn't make sense to think of it this way - gold retains state when used whereas oil is burnt up never to be seen again.


"it's a joke brah. And even if it wasn't your comment isn't a very effective argument against it. You stated your opinion, and cited ""books"". What books? What do the books argue? How to they defend their arguments? Why is Internet discourse so obnoxious?"


The original poster's concern is valid.  Sometimes, market orders do get executed at seemingly ridiculous prices. In addition to Victor's reasons for using a market order, sometimes a seller does not care how low the price is.  For example, after a company goes broke, its stock continues to trade for a while.  This allows shareholders to realize their losses for tax purposes, and allows short-sellers to close out their positions.  A shareholder who is trying to realize a 10 dollar per share loss for tax purposes probably does not care whether he gets 10 cents per share or 0.001 cents per share, so a sell-at-market order makes sense.


"What this means is this: The authors of the website claim they have calculated the cost that it will take to ""fully fund the Medicare, Medicare Prescription Drug Program, Social Security, Military and civil servant pensions."" They claim that the government will have to spend $114T to do the things it is currently promising to do, and it hasn't set aside the money to do it. That's what is meant by an 'unfunded mandate'. Firstly I would take with a grain of salt the calculations of any website which claims the US is a kleptocracy in its title. You know they are coming to this with an agenda. Secondly this is money that the government has not actually spent. The government doesn't owe this money to anyone, and it is absolutely untrue that ""you are responsible along with everyone else to pay this back"". The worst they can claim is that the government will, one day, have to spend it - assuming that nothing else changes in that time. A government could pass a law that reduced Medicare, or raised taxes, and the 'unfunded mandate' would simply go away. Thirdly the calculation must assume a time period over which the money is spent. But the site carefully doesn't specify it. They can make the amount bigger or smaller as they choose, just by changing the time period over which it is calculated. To give an example, an unfunded mandate is a bit like enrolling in a four year college course without knowing how you are going to pay for it. You've said you are going to spend money on tuition - you may even have promised your mother you will finish the course - but you can in fact drop out if you choose and you don't owe anything for courses you haven't taken yet.  Some unfunded mandates can be legal obligations, but this isn't one. And in neither case are they money you actually owe. That's not to say that unfunded mandates are not a cause for concern - they represent a discrepancy between what a government says it will do, and what it can currently afford to do. As an illustration of how this works, you can look at either Russia ten years ago or Greece right now. All the expenditures in these ares are being cut. People are certainly angry, but there is nothing they can do to force the government to make those payments."


I have to second what the poster said above me. The person at the dealership is outright lying to you, and I really don't know where the misconception comes from. I work in finance and specialize in credit. Credit is your ability to repay. Simple as that. To lenders, constant carrying a balance on your credit cards looks like your don't have the ability/discipline to repay your debt and will look bad in the future if you are ever trying to borrow more.


I've seen a lot of people with what seems to be important titles next to their names talk about a stock market/U.S. dollar collapse or bubble burst. Is there anyone with any insight to the potential of something like this happening?


The underlying investment is usually somewhat independent of your mortgage, since it encompasses a bundle of mortgages, and not only yours. It works similarly to a fund. When, you pay off the old mortgage while re-financing, the fund receives the outstanding debt in from of cash, which can be used to buy new mortgages.


Hey, to be a bit more personal, I'm in a similar situation (albeit houses near me are all like $300k for a shack).   Don't rush into a house that will make you miserable, either because it's crap, or because it'll cost you an arm and a leg and your firstborn.   It's perfectly fine to rent another year or two and build up your downpayment, credit history, and credit score.


Yes, take the new rate, but instead of using the new 30 year term, calculate the payment as though the new mortgage were at the remaining term. 3 years into a 30? You calculate the payment as if the new mortgage were 27 years.  This will tell you what you are really saving. Now, take that savings and divide into your closing costs if any. That will give you the break even. Will you be in the house that long?  If you can find a no closing cost deal, it's worth it for even 1/8% savings.


"If that's your goal.   Watch the entire webinar on warren buffet books by Preston Pysh first for a good intro into stocks bonds etc:  https://m.youtube.com/watch?list=PLECECA66C0CE68B1E&v=KfDB9e_cO4k  Read Dale Carnegies book ""How to Win Friends and Influence People"" in order to learn how to communicate to people effectively and create networks. The most important skill in any field you choose to go into.   Read ""The Everything Store"" for essentially an MBA in business.   Read ""The Intelligent Investor"" by Benjamin graham for a bachelors in finance.   Then take classes that get you the very best professors in the field of finance, economics, and business at your school and make sure you never stop asking questions.  Continue to develop your skills and create good saving & communication habits.   And if you want great jobs, get internships. To get internships be involved in as much as you can in campus and take leadership roles (especially when you think you can't handle it) you will grow quickly as a leader and businessman if you do it right.   If reading is a bit much for you, try audiobooks.   And make sure you enjoy college and surround yourself with ambitious youngsters like yourself. It will help you grow. Enjoy school and be social, make mistakes and do whatever it takes to get a minimum 3.5 GPA (get old tests study groups easy teachers or GPA boosting classes if you need to)   Aight that's all I got haha"


"Look lets be honest here. You want certain things and you want to force other people to provide them for you against thier will. If what you want is so awesome and good how come people don't voluntarily do it? I'll tell you why, Because they are already being robbed for an ever increasing amount of their pay and effort. The slavery portion of thier cheque is consantly increasing. Stop stealing from people and forcing them to do things against their will and they may surprise you and do things for themselves and their neighbours without being forced to.  Edit..Just because someone stole the money to pay for it for you does not make it free. The idea that anything is ""free"" is crazy leftwing bullshit."


Actually, what he wrote was: > If American is to succeed in the years ahead, it must pay wages and benefits, and operate using work rules, which produce labor costs equivalent to or – while American gets itself back on track  –  lower than those of its major competitors. In the long run, no successful service company can offer compensation and working conditions that are materially different than those of its competitors.


Like I said in my comment below, it depends on price action and potential reward.  The guys who called the housing bust too early in ~2004 paid pennies on the dollar to hold those bets for years before finally getting paid a jackpot.  If those same guys were losing 20% a year, then I'd agree. Holding for 4 years is suicidal.   At this point I feel it's too early to tell. If 2020 rolls around and we never saw a muni collapse then I'll say her overall theory was still correct, but she failed to account for variables which could save the muni market.


"Investing in an existing company is almost like buying a house, or even becoming an ""Angel investor"" in a start-up. Before you start the process, decide how much you want to be involved in the day-to-day and which industries you would feel most comfortable in.  The latter is an important consideration since you would have to know sufficient about the industry in order to evaluate the quality of your prospective investment. Searching for a suitable business is a time-consuming process: The guidance for evaluating any company has been answered in another question, so I'll simply link. Most business owners are looking to their businesses to provide them a pension, so they often look to sell around retirement age.  Buying such a business is tricky - you may be assisting the next generation to finance the purchase which can have it's own struggles. Ideally you'll be looking for a young(ish) company with proven sales and which is looking to finance growth in an optimal way.  Such a company may have many options for raising capital so you'll be competing to invest. As to whether or not it's a good idea...  KFC only became a household name and global franchise after Pete Harman joined Harland Sanders as a partner.  Richard and Maurice McDonald may have founded McDonald's but it was Ray Kroc who made it a success. New partners bring in new ideas and fresh energy which the original entrepreneurs may have lost during the difficulties of starting out. But that goes back to my first query; just how much do you want to get involved?"


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Seems like a good deal to me. You are paying less interest over the lifetime of the loan. And what I would do is take the difference between the new payments and the old, put it into a savings account each month, and when the savings account exceeds the balance of the loan pay it off.


Another factor not mentioned are the rent prices in the area you are looking to live. I'd recommend buying a house of which the total monthly costs (mortgage, insurance, repairs, etc) are equal to or less than renting a house in the same area. If you can't find a property for sale that meets this requirement, you might actually be better off keep on renting, at least for a while, because you risk paying too much for your living expenses. A second point is, if possible, to buy when the mortgage interest rates are low, and then go for a mortgage with fixed interest and fixed repayments. While such a mortgage will be more more expensive than one with variable interest, and house prices are higher when mortgage rates are lower, future inflation is almost a certainty. And if your interest rate was fixed, and you are confident that you'll be able to negotiate salary raises in pace with the inflation, then inflation will gradually whittle down the rate between the mortgage payment and your income. Conversely, if interest rates are historically high, with no lowering in sight, then a variable loan might be more interesting.  And do shop around for mortgages, there are many banks out there, the competition between them is heavy, and many banks, especially the smaller banks, will often be willing to give you a mortgage at better conditions than their competitors.


"The graphing tools within Yahoo offer a decent level of adjustment. You can easily choose start and end years, and 2 or more symbols to compare.  I caution you. From Jan 1980 through Dec 2011, the S&P would have grown $1 to $29.02, (See Moneychimp) but, the index went up from 107.94 to 1257.60, growing a dollar to only $11.65. The index, and therefore the charts, do not include dividends. So long term analysis will yield false results if this isn't accounted for.  EDIT  - From the type of question this is, I'd suggest you might be interested in a book titled ""Stock Market Logic."" If memory serves me, it offered up patterns like you suggest, seasonal, relations to Presidential cycle, etc. I don't judge these approaches, I just recall this book exists from seeing it about 20 years back."


"tl;dr:  Sears is failing because the CEO is running the company into the ground for personal profit.  There have been many, many articles written on the issue.  The CEO is having the stores sell their property, at a discount, to one of his other companies, then having the stores pay rent.  Except boutique stores actually pay more money than Sears does.  So whenever a store closes, his other company can rent the space out for almost double.  Oh, and he encouraged a corporate culture where the department heads use those screen protectors hospitals use to keep each other from spying on their laptops during meetings.  The way IT works, some departments actually contract out to a 3rd party rather than going through corporate, since it's cheaper.  Yes, departments individually have an IT budget, and are required to have their own ""Contract"" to use in house IT.  It's so bad that, many employees say they are explicitly barred from helping another department.  So, customers feel snubbed and end up balking because there's no one to help them, or to run the register.  That's the power of a bad CEO that the board refuses to fire."


My grace period is up in a few months, and I am not looking forward to it. I got the minimum federal aid possible for all 4 years, so I had to turn to private loans and whatever I could make over summers and what my parents could help me with. Ended up with $50k in debt, about 20k of it being with Sallie Mae. I can confirm they are bad on the collection side already. Just happened to miss a payment during school (paid off interest every month for the last 4 years), and they called me 3 times during class, sent an email, letter, and called my bilogical dad who cosigned for the loan. I can only imagine what they are like for people defaulting.   All comes down to it though, have a plan when borrowing money for school. I knew my parents would only be able to help me out a little bit, and  I got minimum federal aid (as in just loans) because my step father had assets that counted against me (and he told me I was on my own). So I had to figure out how to not be screwed from the beginning. I paid off my interest every month while working during school, and made sure to work hard to graduate with a good job. I can't imagine how some students feel when they graduate with nothing.


Well, Roku seems to be what is getting imbedded into TVs and even SlingTV offers a free Roku with a 2 month prepay. It seems they are doing a good job of getting it out there and getting eyes on their adds over an Amazon or Chromecast.


lol it's a dying job my man. But if you think about it, an algo is basically a formalized array of someone's personal judgement and trading patters connected to direct market access. I was just lucky to fill a junior role in a shop run by guys who have seen 30 year bonds they invested reach maturity. But yeah, theyre not gonna hire a freshie who doesn't know basic market mechanics, asset valuations, etc.   It's just harder now to get gigs like this because the industry has shrunk so much and the role of a trader has shifted much faster to automation than many expected.


Problem is that in California it's up to the lawyer to prove that the employee is lying. So if an employer is sloppy as was probably the case here the employees can say whatever the fuck they want to say and it's considered the truth until proven otherwise.  Just writing down all the hours you supposedly worked the night before reporting it to the labor board is sufficient.  Had an employee once that lied their ass off. Overwhelmingly proved they were lying. Still had to pay legal fees in the thousands of dollars (while they get everything free). And they can continue to do this as many times as they want for up to three years after their termination as long as each time it's a different complaint (in theory someone bored and persistent enough could bankrupt a small business this way with no and I mean no recourse whatsoever)   Fuck California.


Just like many other industries, entertainment is becoming a commodity of convenience which means that it also is getting far less profit margin. It won't die, but the money that keeps the big named companies in the black is slowly petering out. They are going to fight this tooth and nail just as past companies in other industries that have paved the same path have tried. Any sense of success on their part only makes their fall much harder down the road. We are moving into a world where entertainment is more plentiful and cheap, but the cost will be that we see fewer big budget offerings.


Why is it that we, as a society, are wishing, even dreaming that house prices can return to where they once were? It seems so obvious that we play in semi false statistics so we can believe what we simply want to. Who benefits the most from high real estate, is it the banks, home sellers, agents of the industry or perhaps home buyers? Who is more important to a flowing economy the home seller or buyer? Obviously both sides need each others value, so who wins, seems like the bank? Im starting to deeply see how our news and media is blindly dividing our generations while still ignoring the real truths. Depending which way your perspective leans, is it really baby boomers vs the millennials? Heres my sincere question whats good for ALL age groups?


"I have 2 PayPal accounts for this purpose (with different email addresses). The first account is tied to my real email address, and has my real name, phone and home address associated with it. This account is also connected to my bank account and credit cards. For riskier transactions where I don't need physical delivery (or will accept delivery to my local post-office in cases where I don't trust the seller with my personal details) I use my secondary account, which has a secondary email address of mine, and a fake name and with a fake address, it is not connected to any external accounts. To send or receive money ""anonymously"" I first send money from my real account to my fake account (inter-account transfers are free with PayPal), and then send the money to the seller from the fake account. This is in violation of PayPal's terms of service, but I've been using this system for the past 5+ years without any issues."


Just playing devil's avocado here, but if you can't stop smoking weed long enough to find a job then it's really your problem. Almost every job I've applied to has had a drug test, including office jobs. If you can't lay off the devil's lettuce for 2 goddamn weeks and maybe drink some fucking water then what do you expect?              This is coming from a chronic weed smoker.


Yep, worked in same kind of company. I have seen great people getting fired, when I could see them performing great with better guidance, or working in a different department. Instead they would put them on performance plan with unreachable targets. A guy I knew hit his targets while on perf plan, still the manager found some bullshit excuse to get rid of him. I ended leaving in the end as I saw it coming.


There may be more, but a good starting point would be the ecoENERGY Retrofit Grants and Incentives.  Natural Resources Canada's ecoENERGY Retrofit program provides financial support to implement energy-saving projects. There are different application processes for homes, commercial and institutional buildings and industrial facilities. Together we can reduce energy-related greenhouse gases and air pollution, leading to a cleaner environment for Canada. Also, there was a temporary home renovation tax credit about a year back, but that no longer exists and nothing has replaced it yet.


"It's anonymous/automated. They don't know who you are, just that customer x1a bought y. If your name isnt given to employees ""your"" privacy isnt being volated because the dont know its ""you.""  I imagine the government justifies their intrusions on our digital privacy the same way."


I think you're over complicating it! There is the market maker in the pure sense as what chilldontkill said - a bookie, a middleman. They are just the brokers in between the buyers and sellers, and they simply make profit off of the spread differential.  But market maker is also used to refer to large, high volume buyers and sellers that can influence the price because they control a larger % of volume. These only really exist on low volume products, and they slowly ween out the larger the volume. On higher volume products, I like to refer to them as institutions - that is, well informed, large pockets - whether is be central banks, clearing houses, hedge funds, boutique firms. These are the people who are generally in the know and they often bet against eachother.hope this helps ...


I didn't. If I did buy a product made by exploited labor, that doesn't make exploited labor any less bad. There's no reason we should continue to do something that we universally agree is bad. Let's, ya know, strive to exploit less.


I am in the same boat as you right now, I have about a year experience working for a financial advisor but even then it is not relevant enough for being an analyst.  I have put in over 120 apps over the past month and a half to any position that I meet 90% of requirements. The only thing I don't have is years of experience. I know how to code VBA, and how to build financial models but alas, I am looked over.  I have also been trying to network like crazy and just accepted to do a temp job working for a bank as a loan analyst and hopefully that will pan out into something better.  Many jobs want experiences with SAP and SQL, and I don't have either of those either, and there is no where to get experience because no junior analyst positions will take me without enough experience.  I turned down a banking internship because I did not want to take out loans for college, and now I am thinking I made the wrong choice. Hopefully some one will pick us up and catch us up to speed soon!  What area are you living in? I am in the Chicago area and I see new postings every day.  Also are you going to every job board? Career-builder, Monster, Indeed, LinkedIn, Craigslist? I have also hooked up with a few recruiting firms, they are the ones who got me the temp job. If you are in the Chicago area I will recommend a few for you to look into and a couple to stay away from.  Good luck on your search! I know you need it, because I need it too...


Hold onto that money, put it in savings. With such a change in the US government, who knows what will happen - and if things start to go sideways, having savings - so that you can continue paying your mortgage, and thus keep your house - is going to help you more than being able to throw more money at your mortgage principle. (Unless you can pay it off totally. Then do that.) I would build more of an emergency fund (2 years, just to be on the safe side), THEN see what other things are going on in your life, and what's going to be more advantageous for you. (That's a nice low interest rate. Not many other loans these days are going to have an interest rate that low.)


Inflation is an increase in the money supply.  Increases in consumer prices follow from inflation.  It's not the same as inflation. Some inflation is necessary for a growing economy.  If your gross national product is only $1,000, then you can get away with having less money than if your gross national product is $1 trillion. Inflation beyond this, though, is used to allow governments to live beyond their means.  If there is more money chasing the same amount of goods, prices will rise.  There is truth in what azcoastal says about this kind of inflation.  It's theft. Governments like inflation because it allows them to pay off their debts with cheaper money.


Ok but if there's no money and nobody willing to lend, how are those payments made?   It's fine and dandy to have the theoretical obligation and willingness, but I'm wondering what happens when there's simply no more capability to borrow more.  Edit: Funny you say that, I'm moving in!


"Uh, you want to lease a car through a dealer? That is the worst possible way to obtain a car. Dealers love leases because it allows them to sell a car for an unnegotiated price and to hide additional fees. It's the most profitable kind of sale for them. The best option would be to buy a used car off of Craigslist or eBay, then sell it again the same way when you leave. If you sell the car for what you paid, then you get the car for a year for free. If you are determined to go through with the expensive, risky and annoying plan of leasing a car, then you should use a leasing agent. I recommend reading some car buying guides before going out into the wilderness with the tigers and bears. Comment on Leasing Tricks Don't get tricked by the ""interest rate"" game. The whole interest thing is just a distraction to trick you into think you are getting some kind of reasonable deal. The leasing company makes most of their money from fees. For example, if you get into an accident it is a big payday for them. The average person thinks they will never get into an accident, but the reality is that most people get into an accident sooner or later. They also collect big penalties for ""maintenance failures"". Forget to change the oil? BOOM! money. Forget to comply with manufacture recall? BOOM! more money. Forget to do the annual service? BOOM! more money. Scratch the car? BOOM! more money. The original car mats are missing? BOOM! you just paid $400 for a set of mats that cost the leasing company $25 bucks. The leasing company is counting on the fact that 99% of people will not maintain the car correctly or will damage it in some way. They also usually have all kinds of other bogus fees, so-called ""walk-away fees"", ""disposition fees"", ""initiation fees"". Whatever they think they can get away with. The whole system is calculated to screw you."


Can I still use the old EIN from partnership times for the new sole proprietorship? Or should I apply for a new EIN? You cannot use the same EIN. Unless you have employees, you should use your SSN for the sole proprietorship. If you have employees - you should get a new EIN (if you don't have one already for yourself as a sole proprietor - you can only have one). Can I actually start to use my SSN in this situation for the sole proprietorship? In this particular case, not only you can - you should.


This link might help determining if American Express is willing to offer a card in the UK. I did it the other way around when moving from the UK to the US and getting a US card was pretty painless; I also didn't have to close the UK card, although I'm probably going to do that fairly soon. You will need a UK bank account so your employer can pay you; If it is a big enough employer their HR department might have deals with a local bank; a smaller employer might simply be able to refer you to their bank to help you open an account there. My first bank account in the UK after moving over there from Germany was with HSBC (then Midland Bank) - HSBC seems to be pretty open towards customers moving to the UK. Plus, they're pretty much everywhere. If you're planning to come back to the US and especially if you have any US-based ongoing expenses, I'd keep at least one bank account in the US open (but keep an eye on it).


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It isn't that good for EU banks either, but ultimately, it will be easier for them. The splitting of entities will be a common problem and not just in banking. However there can be no joint organisations without a joint regulatory mechanism and the British government have rejected that.


Yes. It is a scam. The story makes no sense. They just want your info to steal your money. regarding requests to know how it works:  the scammer is requesting:  username, password, routing number, checking account number, and   security question/answers. they now have access to your bank account. they will have access until you are able to shut it down. Once they have your password, they can change it to whatever they want.  it can be used to launder money, steal money from other accounts you have, proof of identity...


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of course! Currently I am running a digital media company based in Bangkok, we produce a wide array of content, some for web distribution some that is targeted for traditional distribution. I also have equity in a number of tech startups around Asia, everything from e-commerce to smart home to big data. I also recently exited a quantified self company I had built with several co-founders.


From Schwab With a Roth, withdrawals of contributions are always tax-free because   you've already paid income taxes on that money. So are withdrawals of   earnings of up to $10,000 under the homebuyer exemption, assuming   you've had the Roth for five-plus years. But if you withdraw more than   $10,000 in earnings, that money will be subject to both ordinary   income taxes and the 10 percent penalty.


That's the problem with IPOs. Professionals are very bad at valuing companies, particularly prospectively. That's Daniel Kahneman's whole point about how no one beats the market. Yet, we expect the same types of professionals who can't beat the market to set the price for the market.


"The problem with daily-rebalanced ""inverse"" or ""leveraged"" ETFs is that since they rebalance every day, you can lose money even if your guess as to the market's direction is correct. Quoting from FINRA'S guide as to why these are a bad idea: How can this apparent breakdown between longer term index returns and ETF returns happen? Here’s a hypothetical example: let’s say that on Day 1, an index starts with a value of 100 and a leveraged ETF that seeks to double the return of the index starts at $100. If the index drops by 10 points on Day 1, it has a 10 percent loss and a resulting value of 90. Assuming it achieved its stated objective, the leveraged ETF would therefore drop 20 percent on that day and have an ending value of $80. On Day 2, if the index rises 10 percent, the index value increases to 99. For the ETF, its value for Day 2 would rise by 20 percent, which means the ETF would have a value of $96. On both days, the leveraged ETF did exactly what it was supposed to do—it produced daily returns that were two times the daily index returns. But let’s look at the results over the 2 day period: the index lost 1 percent (it fell from 100 to 99) while the 2x leveraged ETF lost 4 percent (it fell from $100 to $96). That means that over the two day period, the ETF's negative returns were 4 times as much as the two-day return of the index instead of 2 times the return. That example is for ""just"" leveraging 2x in the same direction. Inverse funds have the same kind of issue. An example from Bogleheads Wiki page on these kinds of funds says that over 12/31/2007 to 12/31/2010, The funds do exactly what they say on any given day. But any losses get ""locked in"" each day. While normally a 50% loss needs a 100% gain to get back to a starting point, a fund like this needs more than a 100% gain to get back to its starting point. The result of these funds across multiple days doesn't match the index it's matching over those several days, and you won't make money over the long term. Do look at the further examples at the links I've referenced above, or do your own research into the performance of these funds during time periods both when the market is going up and going down. Also refer to these related and/or duplicate questions:"


Every guess you made is incorrect I'm living fairly well for a 25 year old with a kid on the way. Have my own house my own car 0 debt and work my ass off to keep it that way. I grew up in a poor family and know how to work hard for what I want and believe taxation to be theft and don't like the idea of theft. Also a housing bubble popping can and will ruin an economy ie 2008. Please do yourself and the world a favor and stop looking at everything from your statist liberal glass. Go take a look at switzerland and their economy and tell me how well they are doing with the 4th freest market in the world and more personal freedom than any other European country. No I don't think liberal policies are holding me back I think government holds me back, all of it. This country was founded on freedom and had the smallest government in world history that has now become the largest in world history. Lastly I don't know much about the Kansas situation but what I do know from the limited exposure to the situation is that these tax cuts were followed by spending increases (however minimal) every year. You can't cut revenue and increase spending and expect good things to happen because they dont.


"lol!  You've seen this army, have you?  I have.  The *Bureau* of Labor Statistics is in the DOL building, right off of the Mall.  It's a square city block, four stories tall, mostly full of bureaucrats who professionally avoid making decisions.  The Bureau of Labor Statistics is an office on the second floor with about twenty overworked people in it, who compile and massage reports that they require industry groups to submit at regular intervals.  Twenty people is hardly an army, and they do *absolutely zero* legwork of their own.  ""Correct for it"" my ass.    The more you learn about how the sausage is made, the less interested you are in buying any of it."


The bag's style should be something traditional so it won't go out of fashion. At our company website, you can get different designs bags at affordable price. Today clutch bag is very popular. If you want to get multilateral and durable clutch bag you can pick a leather bag. These bags pick one that is a big enough space to accommodate your important things yet small enough to fit and comfort in your hands.


"This article is so maddening. Near the end when they're talking about the ethics guy and retroactively recusing himself I just couldn't take it anymore.  In fairness, I don't really blame Icahn, or even Trump. In a way this stuff has been boiling up over the last 20 years as the country has adopted this Ayn Rand style of wealth sycophantism/worship. The bailout and Trump are just the epitome of it and his goals and ethics are exactly as advertised. When this is what your society values this is what we get.   I hope we vote in a democratic senate just so at least a tiny bit of justice will hit these self serving assholes. It's one thing for Icahn to do the ""greed is good"" thing but another to blatantly lie to everyone (including himself) that he is being anything other than greedy. Helping minority owned refineries? Good lord."


Many big companies self insure. They pay the insurance company to manage the claims, and to have access to their network of doctors, hospitals, specialists, and pharmacies; but cover the costs on a shared basis with the employees. Medium sized companies use one of the standard group policies. Small companies either have expensive policies because they are a small group, or they have to join with other small companies through an association to create a larger group. The bigger the group the less impact each individual person has on the group cost. The insurance companies reprice their policies each year based on the expected demographics of the groups, the negotiated rates with the network of providers, the required level of coverage, and the actual usage of the group from the previo year.. If the insurance company does a poor job of estimating the performance of the group, it hits their profits; which will cause them to raise their rates the next year which can impact the number of companies that use them. Some provisions of the new health care laws in the US govern portability of insurance regarding preexisting conditions, minimum coverage levels, and the elimination of many lifetime cap. Prior to these changes the switching of employers while very sick could have a devastating impact on the finances of the family. The lifetime cap could make it hard to cover the person if they had very expensive illnesses.  If the illness doesn't impact your ability to work, there is no need to discuss it during the interview process. It won't need to be discussed except while coordinating care during the transition. There is one big issue though. If the old company uses Aetna, and the new company doesn't then you might have to switch doctors, or hospitals; or go out-of-network at a potentially even bigger cost to you.


If you have self control and a good handle on your finances, which it sounds like - I suggest the following: Note: #3 is important - if you're not able to pay it off each month don't do this because it will cost you a lot in interest. Make sure to check how interest is calculated in case you don't pay it off in full or miss the due date for a month. If you can do this you'll earn some good benefits from the card using money that you're going to spend anyway, as well as build your credit profile. Regarding annual fees -


Yea, I answer this question phrased differently like 2-5 times per week on here or in financial careers. I don't mind it and none of the people asking know any better, but it might be easier to have some generic answer for the internship advice.


"My parents and I were suckered into buying this kind of thing when I was in high school. The sales people literally told us that it could be used to pay off student loans - they left out the ""in the event of your death"" part. We knew it was a life insurance policy, but were told that it would ""mature"" 6 months after graduation from college, and that it would then be disbursed to pay off loans, even if I didn't die. That seemed strange to us, so we explicitly asked several different ways whether it would pay off the loans after graduation, even if I lived, and they just straight up told us, ""Yes."" I'm guessing this ploy is still being used. Also, last I checked, student loans are non-transferable in the unfortunate event that your child dies - which means the loan is forgiven anyway - so this whole thing seems like garbage to me, at least in the student loan sense. I would steer clear from this stuff - it's pure snake oil in my experience."


If you have a mortgage backed by FHA, Fannie, or Freddie I would hold off.  There is talk of a new plan that would allow refi's on mortages that were underwater.  I would expect rates to stay about the same for the forseeable future.  Take that money you would spend each month on the personal loan and stick it into your mortgage payment to bring down your debt on it.  Your home may be underwater on paper but once the economy comes back, or hyperinflation sets in (one of the 2 will happen) you will have equity in your home again soon after.


> The biggest value driver we identified were staff costs. If Amazon implements their Amazon Go technology in Whole Foods' stores(which I assume is their current plan) they would be able to cut a large chunk of staff costs reducing COGS significantly.  Oh good.


>u telling me there were that much savings and reserve in the system?  Yes. You're telling me there wasn't? The loans were bundled and *sold to investors* to get more capital to loan. It was not magically created as you seem to think.  [There were about $4trillion saved in the US at the time](http://research.stlouisfed.org/fred2/series/WSAVNS). The mortgages were sold all over the world, where there is easily more trillions of savings and reserve.   You still have not addressed M2 being around 10x M1. You keep floundering but not addressing anything of substance.


"Be careful that pride is not getting in the way of making a good decision.  As it stands now what difference does it make to have 200K worth of debt and a 200K house or 225K of debt and a 250K house?  Sure you would have a 25K higher net worth, but is that really important?  Some may even argue that such an increase is not real as equity in primary residence might not be a good indication of wealth. While there is nothing wrong with sitting down with a banker, most are likely to see your scheme as dubious.  Home improvements rarely have a 100% ROI and almost never have a 200% ROI, I'd say you'd be pretty lucky to get a 65% ROI. That is not to say they will deny you.  The banks are in the business of lending money, and have the goal of taking as much of your hard earned paycheck as possible.  They are always looking to ""sheer the sheep"". Why not take a more systematic approach to improving your home?  Save up and pay cash as these don't seem to cause significant discomfort.  With that size budget and some elbow grease you can probably get these all done in three years. So in three years you'll have about 192K in debt and a home worth 250K or more."


"Most people can't see trends and trajectories. Who knows why, but only few can and they write articles like this and we laugh at them. Or they come up with slogans like ""This changes everything"" and again, we laugh at them. You can see ""This changes everything. Again."" used and abused all over the internet every day.  But let's take a look at this particular meme. When iPhone came out just five years ago, Apple was making computers for 5% of the world market and was totally irrelevant for 95% of the market, Microsoft was making an OS for other companies' hardware and Google was just a search engine. Motorola, Nokia and RIM were the biggest phone manufactures.  Well, damn! Five years later - everything has changed - like it or not.  EDIT: se -> see"


There usually would be a SEC investigation if this kind of behavior is noticed. One thing that bothers me about this article is that, in the midst of all the fear mongering, the author doesn't mention that quote stuffing is designed to screw over *other HFT algorithms* and doesn't have any real impact on investors. Firms doing HFT frequently report this stuff to the SEC; for all we know, Goldman already did.


Seconding @petebelford's comment: if you are looking to save money, considerr taking the middleman out of the equation and buying directly from a car's previous owner. Even after paying a mechanic to inspect it for you, this is likely to be cheaper.


Of course it's more difficult to grow profits now after they've been having record profits. It's hard to beat the record. Their strategies have been cut salaries in exchange for lowering costs and making higher profits. But when EVERY company cuts salaries, who is left with enough disposable income to buy the products?


"Yes, this is possible with some companies. When you buy shares of stock through a stock broker, the shares are kept in ""street name.""  That means that the shares are registered to the broker, not to you.  That makes it easy to sell the stock later.  The stock broker keeps track of who actually owns which shares.  The system works well, and there are legal protections in place to protect the investors' assets. You can request that your broker change the stock to your name and request a certificate from the company.  However, companies are no longer required to do this, and some won't.  Your broker will charge you a fee for this service. Alternatively, if you really only want one share for decoration, there are companies that specialize in selling shares of stock with certificates.  Two of them are giveashare.com and uniquestockgift.com, which offer one real share of stock with a stock certificate in certain popular companies.  (Note: I have no experience with either one.)  Some companies no longer issue new stock certificates; for those, these services sell you a replica stock certificate along with a real share of electronic stock.  (This is now the case for Disney and Apple.) With your stock certificate, you are an actual official stockholder, entitled to dividends and a vote at the shareholder meeting. If this is strictly an investment for you, consider the advantages of street name shares: As to your question on buying stock directly from a company and bypassing a broker altogether, see Can I buy stocks directly from a public company?"


What is your goal? I would, under most circumstances, not recommend the Masters. I did it because I studied engineering in undergrad but wanted to transition to finance right away. The reality is that a good undergrad will give you most of the tools you need for success in a junior finance role. The critical piece is networking with professionals and working in the markets to elevate your stance before graduation. I am not an advocate for a lot of investment in education as the payback is less than most alternatives (IB analyst training, CFA, internships, etc.)


"Each candlestick in a candlestick chart represents the open, close, high and low for a period of time. If you are looking at a daily chart it represents the open price, close price, high price and low price for that day. If you are looking at an hourly chart, then a single candlestick represents the open, close, high and low prices for an hour. If looking at a weekly chart, then a single candlestick will represent the opening price on Monday morning, the closing price on Friday afternoon, and the highest and lowest price for that week. The diagram below represents the two main types of candle sticks.  When the price closes higher than they open for the period of the candlestick it is called a bullish candle and the main body is usually represented in green. When the price closes lower than they open for the period of the candlestick it is called a bearish candle and the main body is usually represented in red. In a bullish candle with a large real body and small shadows or wicks, where prices open near the low of the period and close near the top of the period, it represents a very bullish period (especially if volume is high). An example of this situation could be when good news is released to the market and most market participants want to buy the shares driving prices higher during the period. An example of a bullish candle with a small real body and a large upper shadow or wick could be when market participants start buying early during the period, then some negative news comes out or prices reach a major resistance level, then prices drop from their highs but still close higher than the open. The large upper shadow represents some indecision in prices moving higher. In a bearish candle with a large real body and small shadows or wicks, where prices open near the high of the period and close near the low of the period, it represents a very bearish period (especially if volume is high). An example of this situation could be when bad news is released to the market and most market participants want to sell the shares driving prices lower during the period. An example of a bearish candle with a small real body and a large lower shadow or wick could be when market participants start selling early during the period, then some positive news comes out or prices reach a major support level, then prices move up from their lows but still close lower than the open. The large lower shadow represents some indecision in prices moving lower. These are just some examples of what can be derived from looking at candlestick charts. There are plenty more and too much to include in this answer.  Another type of candle is the Doji, represented in the diagram below.  The Doji Candle represents indecision in the market. Prices open then move up to the high of the period then start falling past the open before reversing again and closing either at the open or very close to the open. The market participants can't decide whether the price should move up or down, so prices end up closing very close to where they opened. A doji Candle close to a market high or low could represent a turning point in the short term trend and could mean that over the next period or two prices could reverse and go in the opposite direction. There are many more definitions for candlestick charts, and I would recommend an introductory book on candlestick charting, like one from the ""Dummies"" series. The main things to keep in mind as a beginner it that a strong bullish candle with small shadows and large real body could represent further price movement upwards, a strong bearish candle with small shadows and large real body could represent further movement downwards, and any candle with large shadows could represent indecision and a reversal from the direction of the large shadow."


Via PM:  >FYI, I wasn't trolling. If you're going to be running your mouth about an involved, complex, controversial topic, I'd like you to be informed about it. You're obviously not, which isn't a bad thing -- why would you be? If you ever have any questions about electronic trading, I'll be happy to help.  Look, chief. You're clearly butthurt that this marginally legal gravy train of free money will likely come to an end soon. But patronizing me isn't going to take that butthurt away. Feel free to have the last word, but please stay out of my PM inbox. Take care.


"I can say from personal experience that, as an employee, I would prefer a system like this for determining pay scale. I had a situation happen to me that was similar to the Yak driver analogy in the article: I had been at a software company for a little while, and they were always hiring with a chronic shortage of talent. Finally they hired some new guys, but still had open positions. One of the new guys who came on was making a full $15k more in salary than me, for doing the exact same job-- and no, he wasn't a lead, Sr., or anything like that. No matter how I tried to not let this get to me, it was hard not to let it affect my morale, and I finally ended up leaving the company.   So yeah, I'm sure guys like Ntang would say it's my fault for not negotiating a better salary, but since that's impossible (due to the bureaucracy) in most jobs, the fact is that the best way to ""negotiate a better salary"" is usually to just look elsewhere."


As someone who works in the industry, it's because they all are on the same side of the trade doing the same thing investing based off the same data and when that data is wrong getting caught on the wrong side for a 10 to 15% move at which point they all bail together.  Lemming mentality.  It's the simplest way to understand why they are doing so bad.


In general  What does this mean? Assume 10 holidays and 2 weeks of vacation. So you will report to the office for 240 days (48 weeks * 5 days a week).  If you are a w2 they will pay you for 260 days (52 weeks * 5 days a week). At $48 per hour you will be paid: 260*8*48 or $99,840. As a 1099 you will be paid 240*8*50 or 96,000. But you still have to cover insurance, the extra part of social security, and your retirement through an IRA. A rule of thumb I have seen with government contracting is that If the employee thinks that they make X,000 per year the company has to bill X/hour to pay for wages, benefits, overhead and profit. If the employee thinks they make x/hour the company has to bill at 2X/hour. When does a small spread make sense: The insurance is covered by another source, your spouse; or government/military retirement program.  Still $2 per hour won't cover the 6.2%  for social security. Let alone the other benefits. The IRS has a checklist to make sure that a 1099 is really a 1099, not just a way for the employer to shift the costs onto the individual.


The general advice seems to be to sell online. But my issue here is that, a large amount of stock would likely come from Etsy creators - Why would a customer choose my online store to buy an item when they could buy the exact same item directly from the creator for £x cheaper?


From the IRS: You do not include in your gross income qualified distributions or distributions that are a return of your regular contributions from your Roth IRA(s). It's not just that the particular money you take from the IRA isn't taxable.  It's not counted as part of your income at all, so it won't have any effect on the taxation of other income.


And so when the dust settled, it turned out that the US forces killed and maimed more people than the Taliban.  So we created some more people with nothing to lose and now define themselves by their hatred of us.  Good job


Is this due to the delay?  Yes, but the delay is caused by your broker and its affiliates.  Trailing Stop Order is not exchange native, meaning that the broker is responsible for keeping track of whether the stop price has been reached, and the broker is responsible for sending the subsequent Market Order to the exchange.  For certain exchange, even Stop Order or Stop Limit Order is not exchange native.  Is it common to be so different? No, only in times of extreme volatility.


Tax Shield would be known as: A tax shield is a reduction in taxable income for an individual or   corporation achieved through claiming allowable deductions such as   mortgage interest, medical expenses, charitable donations,   amortization and depreciation. These deductions reduce a taxpayer's   taxable income for a given year or defer income taxes into future   years. Tax shields lower the overall amount of taxes owed by an   individual taxpayer or a business. I know of various real estate investors that will use depreciation as noted above to reduce their tax liability though others can use other deductions. Fortune has this on Buffett's taxes in 2015: Here’s the breakdown of Buffett’s income taxes for 2015, according to   the statement:


"According to an article on Bankrate.com from 2011, yes, it can hurt your credit: With individual liability accounts, the employee holds all responsibility for the charges, even if the company pays the issuer directly. Joint liability means the company and employee share the responsibility for payments, says Mahendra Gupta, author of the RPMG survey. In both cases, if the card isn't paid and the account becomes delinquent, it will pop up on the employee's credit report and dent his or her credit score, says Barry Paperno, consumer affairs manager at myFICO.com. It doesn't matter if the company was supposed to make the payment; the repercussions fall on the employee. ""It will impact your score no differently than if you were late on one of your own accounts,"" Paperno says. Usually, with corporate credit cards, the employee is liable along with the employer for charges on the card.  The intent is to provide the employee with an incentive not to misuse the card.  However, this can be a problem if your company is late in paying bills. In the distant past, I had a corporate credit card.  I was not supposed to have to pay the bill, but I did receive a bill in the mail every month.  And occasionally, the payment was late.  In my case, these late payments never showed up on my credit report.  I can't remember now whether or not this card was reported on my credit report at all.  And I remember being told when I got the card that I was jointly responsible for the card with the company. However, your experience may be different.  Do the on-time payments show up on your credit report?  If so, that may be an indication that a late payment might appear."


As an alternative to investing you'll find at least some banks eg. Rakuten that will give you preferential interest rates(still 0.1% though) just for opening a free brokering account. As this is still your individual savings account your money is as safe as it was before opening your account. I certainly wouldn't buy to hold any stock or fund that is linked to the Nikkei right now. Income stocks outside of the 225 may be safer, but you'd still need to buy enough of them that their individual results don't affect your bottom line.


That's effectively borrowing on margin from the government. You too can borrow on margin, just not from the government.  It is true that the government perverts the finance system through. I would imagine it would be very hard to play basketball too, if the ref didn't play basketball.


"> Except you don't understand how things actually work. You only understand what's going on at your level and below you. You don't understand what's going on above you or how the system actually works as a whole. This stems from your economic ignorance  See what you just typed there? It means absolutely nothing because you haven't even attempted to refute anything I've said. Feel free to explain my ""economic ignorance"". Until then I guess you can just shut the fuck up."


Wow, why so defensive?  I'm a bit confused as to what you are arguing exactly. In the first part of your post it seems like you are saying ideas can't have intrinsic value, only physical things. I disagree.  Your second argument seems to be that Bitcoin isn't special. It's just one of many possible implementations of the blockchain idea. You do seem to believe that a blockchain can be valuable though, correct?


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The companies specialize in offsite construction and offer everything from design to building the entire structure off site. One of the main benefits of offsite construction is that there will be no obstruction to your current workflow. All the construction work will be done offsite in the factory and you will not have to bear anything except the agreed cost


It's not projection.  I was born less than a serf.  I grew up between trailer parks and sleeping in cars.    The manner by which I climbed out provided me the skills that make me qualified for the situation described above.  The military and a decade of conflict does wonders.  Status quo remains?  I prosper.  Technology makes jobs obsolete?  I prosper even more.  Society collapses?  I'm nobility.


She was literally the person responsible for Google's home page. She built the entire PM org at Google. She had years of management experience. If you look at her resume she was an engineer for 2 years and a manager for 11 before moving to Yahoo.  The difference is, when you have all the right people and are already on the right path (Google), it's an incredibly different proposition than a company that's already declining with a bunch of people that have been at that company for 10+ years. There's a massive amount of institutional inertia.  Her vision for the company wasn't horrible, but her entire leadership style and handling of the company she was put in charge of was completely tone deaf. She also wasted a massive amount of money on pointless gambles that the company never capitalized on.


I didn't  say...  >If a business cannot afford to provide its workers a livable wage, it is a failure as a business.   You did. I just wondered if you had any education or experience to back that up or of you're just spouting off on a subject you don't understand.   You've answered my question. Thanks.


Those government workers in Greece were just mooching off a corrupt system that was enabled by the blind pursuit of yield and the moral hazard of bailout expectations. They were way overpaid to do nothing but collect bribes and drink coffee all day. Good riddance. Greece is a poor agricultural country with some tourism and some shipping, and needs to go back to living within its means. Nobody is going to starve, and high unemployment was always the norm there until a few years ago - I lived there before the Euro, and they managed just fine despite high interest rates and inflation.   Japan has had lost decades because its banks, like those in the west now, are practicing extend and pretend, so there hasn't been a proper flush of the system. The PIIGS should just flat out default and get it over with, rather than slowly default while giving up sovereignty.   Even Germany would be better off if the PIIGS defaulted, since it is German taxpayers and savers who are going to pay for these bailouts. Let the banks fail, meaning let their equityholders and bondholders take losses - the depositors will be fine. The resulting lower asset prices will tempt risk capital back into the system, and life will go on. Bailouts just throw good money after bad and prop up corrupt banks and politicians.  EDIT: Let me clarify about depositors making out fine. The banks' equityholders and bondholders take losses before depositors, who are insured anyway. In most cases, in Europe as in the US, the write-downs are not large enough to eat through this cushion before threatening depositors. Creditors were rewarded with higher interest for lending to these irresponsible banks, so they should take the hit rather than get made whole at taxpayer and saver (inflation) expense.


Equity means having ownership, and I think that's a REALLY bad idea in the scenario that you described.  If you stay together, there's really no upside to either of you in this scheme.  If you break-up then you'll have a terrible mess, especially if the break-up goes badly.  If she's really building equity, you're going to be faced with several hard questions: If this went bad at the end, it might be worse than a divorce in some sense since at least in the divorce you have established law to sort out the issues.  You'll be on your own here without a formal contract. (Marriage being a special case of a contract for our purposes here.) If she wants to share costs (which seems perfectly fair) then agree to rent and a split on utilities.  If you really insist on going down the path that you described, I think that you'll need some sort of contract, which probably involves a lawyer.  Anything short of that could not be considered having equity at all and will be completely unenforceable in the event of a bad break-up. (There is some notion of a verbal contract, but that's very hard to prove and subject to misunderstanding and misremembering.) Aside from all of these potential problems in event of a break-up, you would probably also be violating the terms of your mortgage, if you have one. From the bank's perspective, you are selling the property that is the collateral for that loan, which you're almost surely not allowed to do.


"HSAs as they exist today allow a person to contribute tax deductible money (like a traditional IRA) to a savings account.  The funds in the savings account can be spent tax free for qualified expenses.  If the money is invested it also grows tax free.  This means a discount on your cash health expenses of the amount you would have paid in taxes, which given your relative's income isn't likely to be very much. As HSAs exist today they must be paired to a qualified High Deductible Health Plan (HDHP).  Many plans have a deductible that meets or exceeds the level set by the regulations but many plans waive the deductible for things like X-Rays; waiving the deductible causes most ""high deductible"" plans to not qualify for HSA accounts. There are other qualified HSA expenses like Long Term Care (LTC) insurance premiums that can also be spent tax and penalty free from HSA funds. At age 60 with low income an HSA serves little purpose because the tax savings is so marginal and an HDHP is required.  That does not however mean that the scope of HSA availability should not be expanded.  Just because this is not a silver bullet for everyone does not mean it is of no use to anyone."


They made 85 billion from this fiasco....16 is a somewhat fraction of it....  Like HSBC smuggling cocaine for the cartels, they made 15 billion, got a fine of 2. Tell me what other criminal activities net you a profit once you are caught red handed doing so?


Gah, I feel a little bad for commenting on this, but every time I refresh the page it's here, so: Republicans are *mislead by* or maybe *under the thrall of* a discredited economic ideology. It's all the rest of us who are victimized by it. We have to live with it even if we disagree with it. Republican voters are giving their tacit permission for it to continue. Even if they are damaged by the effects of it, they are the only ones who can put an end to the policy, and thus fat they've shown nothing but support for its continuation by placing it's biggest boosters (people like Trump, Bush, Cheney, Cantor and Ryan, the Tea Party wing of the party, etc) in positions of authority and power.


> Guess what, making money hand over fist   who owns walmart? shareholders - people. your neighbors. who benefits from their lower prices - same.   > There's this insane idea floating around Republican circles that the only way to really make it in business is to fuck everyone below you as hard and as fast as you can  im a libertarian.  but why can't people just get jobs elsewhere? and don't say because the economy is shit - the gov't caused that, not free markets. making a company efficient is good. it makes prices lower. it frees up people to do more valuable things. your arguments are the same as those who support trade barriers, tariffs, etc.


Answers to this your question break down along a few lines regarding opportunity costs of tying up a significant chunk of your salary and assets in one piece of property, as opposed to other things you'd like to do with your life.  The 30 year standard mortgage was invented in the 30's as part of FDR's new deal to make housing affordable to more people, while relieving the strain on the market of foreclosed homes from ~10 year interest only balloon mortgages (sound familiar?). The 30 year term tends to follow the career of the average American of that era, allowing them to pay the house off and live out the remainder of their lives there at a lower cost.  Houses are depreciating assets because they wear out over time. Their greatest investment value is a place to live. The appreciation on a home comes from the real estate it sits on and the community the property is located in. Value is determined by desirability of the house and community in their current state, and the supply of property in the area. This value can only be extracted when you sell the home. This partially answers your last question noting that you shouldn't buy a really expensive building for investment value. We've learned in recent years that there are no long term guarantees of property value either, because land and communities can decrease in value due to unemployment, over supply, crime, pollution, etc. Only buy as much home as you will need in the next decade or so, in a place that you will like living over that time period, and don't consider it much of an investment. I will tell you to get a fifteen year fixed rate mortgage since it's readily available at lower rates and has a significantly lower total purchase price than the standard 30 years. The monthly payment difference isn't that great, and anyone who looks at the monthly payment as opposed to the total costs, your priorities and the opportunity costs shouldn't be trusted for financial advice. I don't like debt. There are psychological benefits to being free from the bondage and drain of a long term mortgage on your finances.  The biggest argument for paying off your home quickly is freedom to pursue other desires with all of your salary and the assets you have available to you. Some financial advisers will tell you to keep your mortgage costs under 25% of your income, so that you can actually live off the money you make. I would also recommend paying at least enough into your 401k to get the company match and fully funding your Roth IRA. I'd also have an emergency fund to cover at least 6 months of expenses, including this mortgage in case you lose your job. A 15 or 20 year mortgage will give you breathing room to take care of these other priorities, and you can overpay on almost any mortgage to decrease the principal and finish in a shorter time period (make sure to get a mortgage that allows prepayment) . More financially savvy people may tell you to take the 30 year mortgage and invest the difference. Especially with mortgage rates around 4%, this is a very cheap way to increase your purchasing power and total assets. Most people lack the investment prowess and self discipline to make this plan pay off. There are even fewer guarantees regarding markets and investments than property. This also is a way of diversifying your total assets to protect against loss of value in your home. This approach has backfired for thousands of people who are underwater on their homes. This problem is often compounded by job loss forcing you to move, or increasing your commute, making your home less desirable for you. Some people will tell you to maintain the mortgage for the tax credit. This fails a basic math test since you only get about a quarter of the money (depending on your tax rate) that you are paying in interest back from the government. The rest of the money goes to bank at no gain to you. This approach is basically a taxpayer subsidized decrease of your 4% interest payment to a 3% interest payment (assuming you have ~ $5000 in other deductions), and only pays off if you can successfully invest the money at a rate somewhat greater than 3%.


**EDIT**: /u/cyancynic has provided evidence that /u/iceman1800 has posted some rather sketchy things on Reddit.   * [https://www.reddit.com/r/business/comments/6fyn2z/comment/dim7la1?st=J3O25TUZ&sh=7ae150b0](https://www.reddit.com/r/business/comments/6fyn2z/comment/dim7la1?st=J3O25TUZ&sh=7ae150b0)  * [https://www.reddit.com/r/business/comments/6fyn2z/comment/dim7m4f?st=J3O29BX3&sh=78e50591](https://www.reddit.com/r/business/comments/6fyn2z/comment/dim7m4f?st=J3O29BX3&sh=78e50591)   **ORIGINAL COMMENT**: Let's face it, there are plenty of ways a woman can talk to a man for free, or even get a drink or a meal out of it. If what you're selling and marketing is meaningful conversation, then why focus on your appearance? I accept than a woman is going to want the person they're conversing with the look nice, but what is it they're paying for?  Why do you think a woman would want to talk with you? Are those reasons good enough to justify paying your for it? Are you providing something that is unique, or that is better than what the woman can get for free elsewhere?  I think you need to figure these things out and have a way to convey them in words, then you'll have something to market.


"Let's say there's a product worth $10 in July and the inflation rate in August is 10%. Will it then cost $11 in August? Yes.  That's basically what inflation means. However.  The ""monthly"" inflation numbers you typically see are generally a year over year inflation rate on that month.  Meaning August 2017 inflation is 10% that means inflation was 10% since last July 2016, not since July 2017. At the micro consumer level, inflation is very very very vague.  Some sectors of the economy will inflate faster than the general inflation rate, others will be slower or even deflate.  Sometimes a price increase comes with a value increase so it's not really inflation.  And lastly, month over month inflation isn't something you will feel.  Inflation is measured on the whole economy, but actual prices move in steps.  A pear today might cost $1, and a pear in five years might cost $1.10.  That's 10% over 5 years or about 2% per year but the actual price change might have been as abrupt as yesterday a pear was $1 and now it's $1.10.  All of the prices of pears over all of the country won't be the same.   Inflation is a measure of everything in the economy roughly blended together to come up with a general value for the loss in purchasing power of a currency and is applicable over long periods.  A USD inflation rate of 3% does not mean the pear you spent $1 on today will necessarily cost $1.03 next year."


Yes. I doubt I'll see a penny of that money, but will now forever have to wait for the other shoe to stop, not only on my credit cards being stolen but also potentially my identity. There's no time limit to this, could be years later. It really sucks, you're lucky not to be involved.


"Do both. The Roth should be started ASAP so you can start on the 5 year maturity period. Even if you already have the Roth started, it doubles as an emergency fund, so putting money into it couldn't hurt. Student loan interest is tax deductible, so your ""real"" interest is probably around 4.7%. However, this is still a good reason to pay them off soon."


"You absolutely should consider expenses. Why do they matter when the ""sticker price"" already includes them?  Because you can be much more certain about what the expense ratio will be in the future than you can about what the fund performance will be in the future. The ""sticker price"" mixes generalized economic growth (i.e., gains you could have gotten from other funds) with gains specific to the fund, but the expense ratio is completely fund-specific.  In other words, when looking at the ""sticker price"" performance of a fund, it's difficult to determine how that performance will extend into the future.  But the expense ratio will definitely carry into the future.  It is rare for funds to drastically change their expense ratios, but common for funds to change their performance. Suppose you find a fund that has returned a net of 8% over some time period and has a 1% expense ratio, and another fund that has returned a net of 10% but has a 2% expense ratio.  So the first fund returned 9%-1% = 8% and the second returned 12%-2%=10%.  There are decent odds that, over some future time period, the first fund will return 10%-1%=9% while the second fund will return 10%-2%=8%.  In order for the second fund to be better than the first, it has to reliably outperform it by 1%; this is harder than it may sound.  Simply put, there is a lot of ""noise"" in the fund performance, but the expense ratio is ""all signal"". Of course, if you find a fund that will reliably return 20% after expenses of 3%, it would probably make sense to choose that over one that returns 10% after expenses of 1%.  But ""will reliably return"" is not the same as ""has returned over the past N years"", and the difference between the two phrases becomes greater and greater the smaller N is.  When you find a fund that seems to have performed staggeringly well over some time period, you should be cautious; there is a good chance that the future holds some regression to the mean, and the fund will not continue to be so stellar. You may want to take a look at this question which asked about Morningstar fund ratings, which are essentially a measure of past performance.  My answer references a study done by Morningstar comparing its own star ratings vs. fund expenses as a predictor of overall results.  I'll repeat here the take-home message: How often did it pay to heed expense ratios? Every time. How often did it pay to heed the star rating? Most of the time, with a few exceptions. How often did the star rating beat expenses as a predictor? Slightly less than half the time, taking into account funds that expired during the time period. In other words, Morningstar's own study showed that its own star ratings (that is, past fund performance) are not as good at predicting success as simply looking at the expense ratios of the funds."


Long time /r/economy subscriber and early Ethereum investor here.  I'm 100% biased (full disclosure) but I believe this tech has legs.  There are a lot of companies backing it, governments exploring it and developers building upon it.  It's currently at $365 with a $35bil market cap.  Look for 3 upgrades in the works:  1) Raiden - Should increase transaction capabilities to that of Visa 2) Sharding - Allows for lite clients and partial downloads of the nodes 3) Proof of Stake - No more video card farms wasting electricity.  Put your ethereum as stake to help the network reach consensus and earn a percentage return  I've you've got commodities in your portfolio, I would strongly suggest taking a look at Ethereum


The DTAA (Double Taxation Avoidance Agreement) Article 20 will apply to the Provident Fund money received while you were a resident in the US. Yes, you will add the Interest received on PF (Interest only for the year/s when you were a resident of US, and not when you were a Resident in India) in your 1040 and claim exemption under the treaty.  Do not add all of your PF contribution for last 10 years or 10 years of interest to 1040, as this was not contributed/earned when you were a US Resident. Consider, just the Interest Earned in the year when you become a Resident of US and then claim exemption under the treaty.


This depends on the nature of the income. Please consult a professional CPA for specific advise.


Every $1,000 you use to pay off a 26% interest rate card saves you $260 / year.  Every $1,000 you use to pay off a 23% interest rate card saves you $230 / year. Every $1,000 you put in a savings account earning ~0.5% interest earns you $5 / year. Having cash on hand is good in case of emergencies, but typically if your debt is on high interest credit cards, you should consider paying off as much of it as possible. In your case you may want to keep only some small amount (maybe $500, maybe $1000, maybe $100) in cash for emergencies. Paying off your high interest debt should be a top priority for you. You may want to look on this site for help with budgeting, also. Typically, being in debt to credit card companies is a sign of living beyond your means. It costs you a lot of money in the long run.


"This is the best tl;dr I could make, [original](https://apnews.com/046e3b91cd394690a685761c3da6f2ed/Existing-only-from-the-Nile,-Egypt-fears-disaster-from-a-dam) reduced by 94%. (I'm a bot) ***** > Once the fill is completed, the flow would in theory return to its previous levels, but the fear in Egypt is that the damage from the fill years could be long-lasting or that Ethiopia could build more dams and hold Egypt hostage by continuing to reduce the flow.  > Recently, Ethiopia accused Egypt of supporting rebels caught trying to sabotage the dam, and there are also accusations that Egypt is setting up a military base in Eritrea to carry out an attack - all claims denied by both Egypt and Eritrea.  > Now Egypt is isolated, and Ethiopia is dragging its feet over cooperation - just as Egypt did in the past.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/73sc7n/the_only_reason_egypt_has_even_existed_from/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~220544 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*: **Egypt**^#1 **water**^#2 **Ethiopia**^#3 **Nile**^#4 **Dam**^#5"


"> They're simply saying that their private company service won't be the one to enable that money making.  The problem I have with this line of logic is that it's pretty much the anti-net neutrality argument. ""Why shouldn't private companies be able to determine which data to send/allow/prioritize over their services?"""


This shows the impact of the inquiries. It's from Credit Karma, and reflects my inquiries over the past two years. In my case, I refinanced 2 properties and the hit is after this fact, so my score at 766 is lower than when approved. You can go to Credit Karma and see how your score was impacted. If in fact the first inquiry did this, you have cause for action. In court, you get more attention by having sufficient specific data to support your claim, including your exact damages.


The smartphone craze has definitely spread like wildfire since the introduction of the iPhone back in 2007. Smartphones have become a necessity thanks to the multitude of applications that can be used even by children with almost no supervision needed.


I'm not saying it's great, but I have a 705... I think we'll get a second opinion to lower that rate. Also, logically, with a higher down payment, we should be able to reduce the amount we need to borrow. Is that how that would work? For example, if we scrounged up a $7,000 for a down payment and came down on the price say $3,000


According to AutoTrader, there are many different reasons, but here are three:  New cars have a better resale value and it's easier to predict its resale value in case you default on the loan and they repossess the car. Lenders that are through auto makers can use different incentives for getting you to buy a new car. Used car financing is usually through other banks. People with higher credit scores tend to buy new cars, and therefore can get a lower rate because of their higher credit score.


I just pulled up the app, did you click on Amazon Videos in the menu thing?  When I click on the tick I get a big green button to start playing episode 1.  No issue on my phone whatsoever.    The watchlist is useful if you want to watch it on a PC later.  Since I have one hooked up in my living room, that's actually kinda useful I guess.


As a Financial Engineer myself, I recommend this too. It allows you to pursue finance without dropping your technical skills. I still frequently program and resort to MATLAB at my current role at an investment bank. I started off as a computer engineer (hardware) and grabbed a CFA1 before getting a Quant Finance degree.  Programs to consider (not an exhaustive list):  * University of Michigan: Financial Engineering * Carnegie Mellon: Computational Finance * NYU: Mathematical Finance (I think) * U of Toronto: Mathematical Finance * Berkeley: Financial Engineering * Columbia: Financial Engineering  Some universities call it Quantitative Finance as well.  If I remember correctly, NYU and Berkely programs are very Math intensive and generally pretty tough to get into. Pretty much all your colleagues in these Quant Finance programs will be undergrad engineers with a small minority of hard sciences (like physics or math).


That's because the brands haven't been announced, even internally yet. Keep in mind that P&G is a global company and many of the brands that will be cut from the portfolio are regional ones you've likely never heard of.  Additionally, many of the brands will likely be sold to other companies rather than just dropped altogether so you won't lose your favorite products.  Edit: [WSJ has made predictions of the brands that P&G will drop from their portfolio.](http://graphicsweb.wsj.com/documents/doc-cloud-embedder/#1239394-brandlist20140801)


"Per your comment that your landlord is a large property management firm, I think your credit is definitely in jeopardy. Assuming that your name is on the lease, there's no distinction of ""fair share"", you're all responsible. So, if your roommates can't pay their share, you might have to pay it for them, break the lease (more money, depending on terms) and get out of there. Alternatively, you might be able to find new roommates who would be able to pay their share(s)."


"Invest in a high quality dividend paying group of stocks.  Look up ""stock  aristocrats"" to find longterm quality stocks that have regularly increased their dividends for over 20'years. 10'years is a safe period of time to invest in stocks.  If you had bought stocks at their hight in 2007 and kept them through the 40% decline thru 2008 and 2009 and held on to them for 10 years until 2017, you would have earned a 40 % increase from when you purchased them.  That is pretty much a worst case scenerio.  If you had invested in dividend paying stocks and had earned an additional 2.5% per year, you would have exceeded your 5% goal. The lifetime yearly return of the stock market is 10%.  Time is the only downside, but with ten years, you are almost certainly immune."


Check with stock brokers. Some of them will offer ILS->USD conversion at a very beneficial rate (very close to the official), without any commission, and flat-priced wire transfers. For large amounts this is perfect. I know for a fact that Gaon Trade used to do that ($15 for a wire transfer of any amount), but they are now defunct... Check with Meitav (their successor) and others if they still do these things. If you're talking about relatively small amounts (up to several thousands $$$) - you may be better off withdrawing cash or using your credit card in the US. For mid range (up to $50K give or take, depending on your shopping and bargaining skills) banks may be cheaper. A quick note about what jamesqf has mentioned in his answer... You probably don't want to tell your banker that you're moving to the US. Some people reported banks freezing their accounts and demanding US tax info to unfreeze, something that you're not required to provide according to the Israeli law. So just don't tell them. In the US you'll need to report your Israeli bank/trading/pension/educational/savings/insurance accounts on FBAR and FATCA forms when you're doing your taxes.


This is the short story: [Republic, Lost (my favorite version)](http://www.youtube.com/watch?v=AxCo2bE9Gtk)  [The Coming Collapse of the Middle Class](www.youtube.com/watch?v=akVL7QY0S8A)  [Psywar](http://www.openfilm.com/videos/psywar)  [Advertising & the Perfect Storm - Sut Jhally](http://www.youtube.com/watch?v=WNy9s5qR4i0)  [Lifting the Veil: Obama and the Failure of Capitalist Democracy](http://vimeo.com/20355767)   Not to mention:  [Stephen Bezruchka - Is America Driving You Crazy?](http://www.youtube.com/watch?v=v5oJPRuFDIk)  [James Hansen: Why I must speak out about climate change](http://www.youtube.com/watch?v=fWInyaMWBY8)  [The 11th Hour](http://www.youtube.com/watch?v=nFLppW_JEmk)


There is not a permanent deficit. The budget was balanced when Reagan took office. He ran up a massive deficit. Clinton balanced the deficit he inherited. W then ran up a deficit again.  Obama inherited a trillion dollar deficit and reduced it to 400 billion. Now it is going to go up again. I am seeing a pattern here.


She needs to get a bank account at literally any other bank or credit union. I have not paid for a checking account ever, any bank that tries to is ripping you off. Personally I've used ING Direct/Capital One 360 for years without any problems.


The FDA exists to check on the meat industry, if some gumshoe journalists claim there's something wrong with the way meat is procured, doesn't this implicate the FDA?  I felt like this story came out of nowhere, possibly politically charged, and completely unfounded - especially if they're not also going after the FDA. The FDA should really protect these companies to a degree, you can't slam a company for complying with regulations!  I really do hope this blows up in ABC's face. Going after the FDA would have been considered a much riskier move with far less attractive ($$$) headlines.


First thing to know about investing is that you make money by taking risks. That means the possibility of losing money as well as making it.  There are low risk investments that pretty much always pay out but they don't earn much. Making $200 a month on $10,000 is about 26% per year.  That's vastly more than you are going to earn on low risk assets. If you want that kind of return, you can invest in a diversified portfolio of equities through an equity index fund.  Some years you may make 26% or more.  Other years you may make nothing or lose that much or more.  On average you may earn maybe 7%-10% hopefully. Overall, investing is a game of making money over long horizons.  It's very useful for putting away your $10k now and having hopefully more than that when it comes time to buy a house or retire or something some years into the future.  You have to accept that you might also end up with less than $10K in the end, but you are more likely to make money than to use it. What you describe doesn't seem like a possible situation.  In developed markets, you can't reliably expect anything close to the return you desire from assets that are unlikely to lose you money.  It might be time to re-evaluate your financial goals.  Do you want spending money now, or do you want to invest for use down the road?


The ultra cynic in me says that companies get rid potential outrage through stupid bullshit like this, and bring in their real plans that will ultimately be ignored due to the lacking ability for Americans to have any sustained political opposition.


>Tie cost: $1.10, Retail price: $59.95, Margin: 98.2% >Wallet cost: $6.49 , Retail price: $49.99, Margin: 87.1% >Suits: $30 for jacket and $15 for pants, Retail price: $259.99 for jacket and $799 for full suit, Margin: 88.5% for jacket and 94% for suit  Bloody hell, who bought this junk? You can tell from the photo that the quality is pretty bad. I suppose it's only novelty but those are costly novelty prices.


"Salut, c'est Vincent. La suite de l'histoire incroyable qui m'arrive. Suffisamment pour que je t'en fasse une vidéo de plus ! En fait c'est la troisième vidéo pour expliquer l'évolution de ce que je croyais être quelque chose de ""récréatif"", et qui s'avère être un véritable Business avec un B majuscule ! L'effet cumulé est incroyable... Cette vidéo c'est pour t'informer... et tu voudras en savoir plus... c'est certain. Alors contacte-moi via vincentmusschoot@gmail.com ou en commentant cette vidéo. C'est une réelle opportunité, internationale, ouverte à toutes nationalités, et pour tout le monde sans aucune exception... Bienvenue dans mon équipe ! http://vincentmusschoot.com"


"APR stands for ""annual percentage rate."" This means when you see a loan with a 6% rate, it is 6% per year.  On a $100,000 mortgage, where you aren't paying much of the principal down at first, a 6% rate would have you paying nearly $6,000 in interest in the first year alone."


This is automation, a goal that businesses are going to head for no matter how much people moan about it.  As long as we have an economy that demands profits, as soon as it becomes viable to use a machine over a human, **it will happen**.    It's not a new trend, either.  Machines replace humans all the time.  It's been happening since the industrial revolution.  This is just the latest iteration in a long-running cycle.  The correct response to automation replacing human labor is not to fight automation (though it happens every time, and always loses in the end), but rather to embrace the new technology, and ensure the displaced workers have other jobs, or, failing that, the ability to retrain or train for higher-paying jobs.  This is an argument for a better, more comprehensive welfare system, more funding for public education, maybe even something as horrific as a basic income system that ensures not only are our most vulnerable able to survive, but those that want are given the opportunity to thrive instead of forcing them to work a low-wage job for eternity.


What are your goals? Managing your finances is not the same for everyone. For example, do you want a more hands-off approach to finance or more hands-on? Are you looking at investments as well or just saving money? Those types of questions.


"What does it mean that the bank will ""hold you responsible""? Clearly   the money won't be credited. Will you be charged a fee like an NSF   cheque? Will they try to prosecute you? Is there any way to confirm whether a cashiers cheque is forged? Could you for example tell your bank that you were uncertain of the origin, and ask them to confirm it? Can you call the issuer and verify (from the serial number) that they did in fact issue a cheque for that amount with you as the payee? Even calling the bank might not help. The first verification is that the bank exists, and that the account number and name match and that they did issue a check. But that doesn't cover the situation where the person that sent you the check wasn't who they claimed to be. That is the theft that could take weeks to find."