I'd start paying off the smallest balance first.   Hopefully, that can get cleared in a few months.   When that happens, close the account and try to get your bank loan again.    Keep repeating this process until either you pay off all of the debt.     After you've paid off one or two loans and put the negative marks of your credit history further into the past, you'll be able to make better progress.


"Yeah, so in other words, democracy is a sham because voters are stupid enough that the amount spent on a campaign actually can change voter opinion sufficient to sway elections.  The alternative is to end political democracy and replace it with an entirely voluntary-funded democracy, where you vote with your money. This system already exists, the arch nemesis to politics, and its leaders are ""elected"" by their ability to provide customers with better value, leaders like Bill Gates, Sam Walton, Steve Jobs, Warren Buffet, Elon Musk (tesla), Sergey Brin and Larry Page (google), Jeff Bezos (amazon).  In political democracy, everyone can be forced to fund the choices that only 25% of adults actually supported. Obama, for instance, won just 25% of adult votes. In most elections it's similar low % of actual support. In the economic democracy, you buy what you want and that doesn't hamper someone else's ability to buy what they want. Multiple service providers can exist together. All we need to do is privatize and distribute ownership of roads to property owners who have paid for them all of this time, privatize schools so kids learn actual skills that others will pay them for, private police and let each property owner establish their own rules to be enforced on their own property... let others then ostracize and avoid those with stupid rules.  The move to a completely voluntary society is a worthwhile goal, though nothing can possibly end wealth inequality, since every time something new is invented the inventor becomes wealthy through voluntary trade, at no loss to others."


"One other thing to consider, particularly with Vanguard, is the total dollar amount available.  Vanguard has ""Admiralty"" shares of funds which offer lower expense ratios, around 15-20% lower, but require a fairly large investment in each fund (often 10k) to earn the discounted rate.  It is a tradeoff between slightly lower expense ratios and possibly a somewhat less diverse holding if you are relatively early in your savings and only have say 20-30k (which would mean 2 or 3 Admiralty share funds only)."


"I must point that without the IT - no-one in the bank generates any revenue. Not to mention the fraud prevention and informational security. To the best of my knowledge - IT in banks and financial institutoins are paid very well for their services, and they earn every penny of it. IT is not just online banking or computer support. IT is the whole underlying infrastructure of the modern banking. Investor without the proper links to the stock exchanges will go elsewhere, loans that cannot be evaluated fast enough (using of course the IT infrastructure) will be taken from someone else, CD's for which the interest is calculated manually will probably not be as attractive as the CD's managed by the computers at the bank next door, credit and debit transactions, ACH, direct deposit, etc - cannot be done without IT. So IT is not expense, IT is infrastructure (and that is ""operations"" in the budget books). Every function of the bank that generates revenue - relies and depends on it."


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Here's a good run-down of what's required to handle the reporting of tip income. To address this question specifically, here's the relevant instructions from that post: If your allocated tips are less than what's recorded in your daily log, and you reported your tips to your employer, then it is likely that something is wrong with your employer's recordkeeping system. You can ask your employer to correct your W-2. You should report the allocated tips on Form 4137, plus any additional tips you show in your daily records.


Precious metals also tend to do well during times of panic. You could invest in gold miners, a gold or silver ETF or in physical bullion itself.


All good points so far. To build on what's already been said, remember that the market is pricing in future earnings. If Facebook and Cisco were, for the sake of argument, the same book value and spitting out the same net income, the market could price Facebook much higher than Cisco's because the market believes FB can return more than Cisco can. The idea is that Facebook's competitive position relative to its competitors and is a much more stable and defensible position than Cisco's.   You're right though, that the market could be overvaluing Facebook's future and being overly optimistic. How do you price the fact that most people around the world who are getting access to the internet for the very first time, are doing so only through Facebook? This probably partially explains its inflated market cap.


I contacted Virgin Money to ask if the prepaid card you mentioned offers a Swift/BIC code, and they gave me this response: We do not have a Swift or BIC number for the Virgin Prepaid Card. You are unable to transfer funds from the Prepaid Card to another bank but you can set up a bank transfer to the Prepaid Card. Once you receive your card you can log onto your online account and you will have a form you can print off. On the form you will have an account number, sort code and a unique reference number for your bank to set up the transfer. This may work for your purposes, or it may not. If you want more information about that specific card, your best bet is to contact them and ask any other specific questions you have. The same strategy should work for any prepaid card company. Just call or email them, describe your situation, and ask if their card will work.


>old investors  SS is not an investment. It is a Tax. Learn the difference. Thus you pay for it with the [Federal Insurance Contributions Act tax (FICA)](http://en.wikipedia.org/wiki/Federal_Insurance_Contributions_Act_tax).   It is *not* an investment, you do not have an account with your money, it has *always* been a pay as you go plan, just like medicare, funds for schools, and all the other programs.  So you fail again on all counts.   >And what part of the constitution says the US government should collect some of my wages and save it for me for later?  Since it is a tax, Article I, Section 8, Clause 1 covers it pretty well. And the Supreme Court has held that the two mentions of promoting the general welfare also allow taxation for promoting the general welfare.  You might want to learn about what the Constitution actually says and more importantly *how that is interpreted by law* instead of what you think it says.  >You do know, some people have opted out of SS? Even the US government will not take the fight to court.  The US government wrote the laws that specify exactly who can opt out. Most people *cannot* just opt out because they don't meet the criteria. Again you're wrong.


"Unless you have a good handle on what niches the startups of yesteryear were entering I think it is hard to get a handle on why there is a decline.  Is this a decline in the number of restaurants being started or is this a decline in the number of internet startups.  The reasons will depend on the character of the startups.  One trend I think is pretty common is the decline of the local market.  The internet and free shipping makes the internet the growth area for specialized commerce.  So many commerce niches are threatened it would take a real optimist to consider a start-up in a niche that is essentially being the local distributor for something people can get more cheaply on-line.    Then there is the idea that,  ""local"" doesn't mean the same thing as it did  even 30 years ago as people drive further to get the essentials at big box stores.  A declining main street of a small town, or a declining mall in the suburbs isn't an attractive place to be an entrepreneur.  On the other hand competing in the big box strip on the edge of town has its own challenge:  people are shopping at 80km/hr and you need a huge storefront  and/or a huge advertising budget even to get noticed.    If the decline is in the number of restaurant startups,  it might be that this is related to a decline in middleclass disposable income.   If it is a decline in internet startups,  perhaps it is just showing a maturing of the industry from a fast growth phase where all sorts of unfilled niches were open for the quick entrepreneur to a more mature market where the internet is consolidating with a few behemoths taking up all the oxygen."


YMMV, but I don't accept non-answers like that from HR.  Sometimes you need to escalate. Usually when I get this sort of thing, I go to my boss and he asks them the question in writing and they give him a better answer. (HR in most companies seem to be far more willing to give information to managers than employees.) Once we both had to go to our VP to get HR to properly listen to and answer the question. Policies like this which may have negative consequences (your manager could lose a good employee over this depending on how to close to retirement you are and how much you need to continue making that larger contribution) that are challenged by senior managment have a better chance of being resolved than when non-managment employees bring up the issue. Of course I havea boss I know will stand up for me and that could make a difference in how you appraoch the problem.


"Perhaps, but you could make a similar case against many many things, like alcohol. Non drinkers would probably consider it completely net negative, but most casual drinkers positive. Which segment of society gets to make the ""moral"" decisions? If straight majority then you get potentially 49% unhappy people.   I believe that if people truly had to pay for the consequences of their actions, they would make smarter decisions. Of course that means that people need access to accurate information."


* Bojack = awful * Mindhunter = good * Big mouth = ok * Beasts of no nation = can't comment * The Crown = massively over rated - seriously Lithgow as Churchill? Wow. * Kimmy = yep love it. * Stranger things = yep love it * Master of None = awful, huge waste of money * Peaky Blinders = awful * Bloodline = Great * Narcos = Great * Love = OK * Easy = terrible.    You didn't mention Girl Boss (cancelled) Gypsy (cancelled) and all of the Adam Sandler garbage like Ridiculous 6...  So yeah I stand by my call, it's 50/50 if they make a good show at the moment.


"Derivatives derive their value from underlying assets.  This is expressed by the obligation of at least one counterparty to trade with the other counterparty in the future.  These can take on as many combinations as one can dream up as it is a matter of contract. For futures, where two parties are obligated to trade at a specific price at a specific date in the future (one buyer, one seller), if you ""short"" a future, you have entered into a contract to sell the underlying at the time specified.  If the price of the future moves against you (goes up), you will have to sell at a loss.  The bigger the move, the greater the loss.  You go ahead and pay this as well as a little extra to be sure that you satisfy what you owe due to the future.  This satisfaction is called margin. If there weren't margin, people could take huge losses on their derivative bets, not pay, and disrupt the markets.  Making sure that the money that will trade is already there makes the markets run smoothly. It's the same for shorting stocks where you borrow the stock, sell it, and wait.  You have to leave the money with the broker as well as deposit a little extra to be sure you can make good if the market moves to a large degree against you."


well considering the Bang up job they are doing with all the trillions of dollars and troop surges and 16 years of war, I can only summarize that if the US military was not so committed, the Taliban would definitely invade us, otherwise what the fuck are we doing there?


Considering that North Korea fired a [missile OVER fucking Japan](https://www.nytimes.com/2017/08/28/world/asia/north-korea-missile.html?mcubz=3)  One has to wonder what and why and where are the missile shields etc, because so far they only seem to intercept friendly test missiles, this would have been a real good opportunity to show that it works.   But that heartening news aside he wants to hurt the South Koreans economically?  Is PePe le Pew confused as to who our allies are, because it seems he is intentionally breaking off . .perhaps insulating the world against the comming US default?


">Annnnnnd if you think about it a lot of the red and blue section went into shoring up bank balance sheets. Why? I can't prove it yet but i suspect twas to support the derivatives market and keep it from collapsing.  This is [my thought as well], in addition to the interest on excess reserves being used as a surreptitious means of ""recapitalizing"" the TBTF (which won't work, of course, as Dimon has demonstrated)."


Add accounting as a second major, you'll look extra good and will be able to get a good paying job straight out out of school. All of my friends who have been accountants (sample size of two) have gotten very high paying internships with BOA ($25-$35 an hour), with guaranteed well paying jobs straight out of school. I went to a decent school, not great or anything. I got into finance because of a family member.   Finance and accounting are a great combo too, so it will increase your chances of breaking into finance. They often share a lot of courses, so it is not a difficult switch to make, and if you're going into your junior year it shouldn't add more than a year with a packed schedule; plus the classes are easy.


I was asked at an interview what type of car I drove and if I believe in man-made climate change... I know the Reddit hivemind likes to downvote anyone that promotes skepticism against the environmental crowd but I thought it was insulting, regardless of politics.


"we had a sears just go out of business. for the first week of their going out of business ""sale"" they actually *increased* some of their prices. wtf? the second week of their sale everything was supposed to be market down but was actually regular price. no wonder they are going out of business."


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Reddit has always had a thing for nuclear. There was a period of time when there were more reddit posts about thorium reactors than there are posts about Tesla Motors now...  The main point that is ignored is that nuclear is more expensive than natural gas after considering the building cost.  On an aside the post you made sort of proves his point. There *is* an arguably unwarranted weird stigma attached to supporting nuclear.


"Last week I dropped and shattered the screen on my Nexus 4. For a quick replacement I bought a brand new unlocked Moto E from amazon for $129. I forgot that Google bought Motorola, until my new phone came and had a screen protector that had ""Motorola, a Google company"" printed on it. The phone is damn nice for a budget model, as it's unlocked, doesn't have any carrier crapware preinstalled, and is running android 4.4 vanilla. It even has gorilla glass. What it's missing is a front facing camera, or a flash for the rear one. But one thing I like better than my nexus is that it has a micro SD card slot so I was able to add 32gb to the built in 4gb. Overall it's a really nice phone, and for only $129 compares to the $400 I paid for the nexus 4 a year and a half ago, I'm quite pleased with it."


In addition to other answers consider the following idea. That guy could have invented say one thousand formulas many years ago and been watching how they all perform then select the one that happened to be beat the market.


As mentioned in several other answers, the main reason for high rates is to maximize profit. However, here is another, smaller effect: The typical flow of getting money from an ATM: Suppose you have a minute to consider the offer, then in that time the currency may drop or rise (which you can see from an external source of information). Therefore this opens a window for abuse. For real major currencies these huge switches are rare, but they do happen. And when 1 or 2 minor currencies are involved these switches are more common. Just looking at a random pair for today (Botswana Pula to Haitian Gourde) I immediately spotted a moment where the exchange rate jumped by more than 2 %. This may not be the best example, but it shows why a large margin is desirable. Note that this argument only holds for when the customer knows in advance what the exchange rate would be, for cases where it is calculated afterwards I have not found any valid excuse for such large margins (except that it allows them to offer other services at a lower price because these transaction).


"Past work, while certainly an important component, is not a *necessary* component.  As otherwiseyep stated before, it is credibility that is important. A farmer can promise a million bushels, and yes, it certainly could be fantasy; but his ""fantastical"" promise nevertheless has value if the other parties involved believes his promise.   Actual production has little relevance when it comes to worth, at least until someone actually tries to collect on said promises. This would create problems in a small, closed world, where the breaking of a promise would have huge ramifications on the economy as a whole; but, in the real world, broken promises are countered by the their naturally occurring opposite: under-valued promises.   The upset of this balance is, in fact, the essence of every financial crisis/boom. The vastness of the world economy means that money can never be truly representative of actual production.   Regarding the complaints about the high cost of higher education; the complaints are that the price of a degree is not indicative of its true worth. The widespread availability of a college education is one of the main factors as to why people believe college educations are too expensive. If there was an actually perceived limited supply of seats at schools, as you suggest, then the general public would value the seats more, and maybe wouldn't complain about the costs as much."


I'd be interested in seeing a source regarding the transposing of signatures onto different documents.  That's blatant criminal fraud without even falling into a grey area.  About math, a study ran in the Economist showed that people who were bad at relatively basic math (understanding fractions, interest, percentages) were far more likely to have requested loans they could not afford.


If I sell a covered call, on stock I own 100%, there is no risk of a margin call. The stock goes to zero, I'm still not ask to send in more money. But, if bought on margin, margin rules apply.  A naked put would require you to be able to buy the stock if put to you. As the price of the stock drops, you still need to be able to buy it at the put strike price.  Mark to market is just an expression describing how your positions are considered each day.


It is my understanding that there are no penalties for withdrawals and you can withdraw as much as you want as often as you want, including more than once in the same calendar year.  Of course, the money must be in cash in the TFSA, which may require you to sell something.  That sale may have fees associated with it and possibly penalties for early withdrawal, etc. There is still huge confusion over this, because there are penalties for over-contributions in the calendar year.  You contribution limit is still $5,500/year, regardless of how much you may have withdrawn in that same calendar year. So if you withdraw $10K in 2013, you can still only contribute $5,500 in 2013.  In 2014, you can contribute $5,500, PLUS you can also contribute an additional $10K for the 2013 withdrawal of $10K.  Think of it like 2 separate limits, one for current year, and one a running total of all past withdrawals.


"You don't state where you are, so any answers to this will by necessity be very general in nature. How many bank accounts should I have and what kinds You should have one transaction account and one savings account. You can get by with just a single transaction account, but I really don't recommend that. These are referred to with different names in different jurisdictions, but the basic idea is that you have one account where money is going in and out (the transaction account), and one where money goes in and stays (the savings account). You can then later on, as you discover various needs, build on top of that basic foundation. For example, I have separate accounts for each source of money that comes into my personal finances, which makes things much easier when I sit down to fill out the tax forms up to almost a year and a half later, but also adds a bit of complexity. For me, that simplicity at tax time is worth the additional complexity; for someone just starting out, it might not be. (And of course, it is completely unnecessary if you have only one source of taxable income and no other specific reason to separate income streams.) how much (percentage-wise) of my income should I put into each one? With a single transaction account, your entire income will be going into that account. Having a single account to pay money into will also make life easier for your employer. You will then have to work out a budget that says how much you plan to spend on food, shelter, savings, and so on. how do I portion them out into budgets and savings? If you have no idea where to start, but have an appropriate financial history (as opposed to just now moving into a household of your own), bring out some old account statements and categorize each line item in a way that makes sense to you. Don't be too specific; four or five categories will probably be plenty. These are categories like ""living expenses"" (rent, electricity, utilities, ...), ""food and eating out"" (everything you put in your mouth), ""savings"" (don't forget to subtract what you take out of savings), and so on. This will be your initial budget. If you have no financial history, you are probably quite young and just moving out from living with your parents. Ask them how much might be reasonable in your area to spend on basic food, a place to live, and so on. Use those numbers as a starting point for a budget of your own, but don't take them as absolute truths. Always have a ""miscellaneous expenses"" or ""other"" line in your budget. There will always be expenses that you didn't plan for, and/or which don't neatly fall into any other category. Allocate a reasonable sum of money to this category. This should be where you take money from during a normal month when you overshoot in some budget category; your savings should be a last resort, not something you tap into on a regular basis. (If you find yourself needing to tap into your savings on a regular basis, adjust your budget accordingly.) Figure out based on your projected expenses and income how much you can reasonably set aside and not touch. It's impossible for us to say exactly how much this will be. Some people have trouble setting aside 5% of their income on a regular basis without touching it; others easily manage to save over 50% of their income. Don't worry if this turns out a small amount at first. Get in touch with your bank and set up an automatic transfer from your transaction account to the savings account, set to recur each and every time you get paid (you may want to allow a day or two of margin to ensure that the money has arrived in your account before it gets taken out), of the amount you determined that you can save on a regular basis. Then, try to forget that this money ever makes it into your finances. This is often referred to as the ""pay yourself first"" principle. You won't hit your budget exactly every month. Nobody does. In fact, it's more likely that no month will have you hit the budget exactly. Try to stay under your budgeted expenses, and when you get your next pay, unless you have a large bill coming up soon, transfer whatever remains into your savings account. Spend some time at the end of each month looking back at how well you managed to match your budget, and make any necessary adjustments. If you do this regularly, it won't take very long, and it will greatly increase the value of the budget you have made. Should I use credit cards for spending to reap benefits? Only if you would have made those purchases anyway, and have the money on hand to pay the bill in full when it comes due. Using credit cards to pay for things is a great convenience in many cases. Using credit cards to pay for things that you couldn't pay for using cash instead, is a recipe for financial disaster. People have also mentioned investment accounts, brokerage accounts, etc. This is good to have in mind, but in my opinion, the exact ""savings vehicle"" (type of place where you put the money) is a lot less important than getting into the habit of saving regularly and not touching that money. That is why I recommend just a savings account: if you miscalculate, forgot a large bill coming up, or for any other (good!) reason need access to the money, it won't be at a time when the investment has dropped 15% in value and you face a large penalty for withdrawing from your retirement savings. Once you have a good understanding of how much you are able to save reliably, you can divert a portion of that into other savings vehicles, including retirement savings. In fact, at that point, you probably should. Also, I suggest making a list of every single bill you pay regularly, its amount, when you paid it last time, and when you expect the next one to be due. Some bills are easy to predict (""$234 rent is due the 1st of every month""), and some are more difficult (""the electricity bill is due on the 15th of the month after I use the electricity, but the amount due varies greatly from month to month""). This isn't to know exactly how much you will have to pay, but to ensure that you aren't surprised by a bill that you didn't expect."


>It will also make your brightest people leave faster to set up new competitors.  Not if wage increases are done according to how the article is written.  It's mainly criticizing Bezos for not funding things like retirement plans and severance packages.  I don't think any of Amazon's best or brightest are waiting for the retirement benefits to increase before they make their exit.  Moreover, when you're talking about shitty wages at Amazon, you're generally talking about the peons in the warehouses.  Amazon is famous for shitty working conditions, but they pay for middle management and other corporate jobs is pretty decent.  I've generally read that people question whether the money is worth the stress and demanding schedules, not whether the money is good by its' own right.  It's the warehouse staff who're being paid peanuts for regular salary.  >it could mess up with whatever HR or managers are trying to do in managing their team and culture  You mean the famously toxic culture that's so widely written about?  I thought it's common knowledge that Amazon is a miserable place to work.


"As was suggested here, I checked with the state for ""Unclaimed Funds,"" and despite the fact that I had already done so and found nothing, the funds were now there to be retrieved. So, the takeaway here is, keep checking periodically, it might just take a bit for things to settle out. This link is endorsed by NJ State, and covers much of the US: http://www.missingmoney.com/. Otherwise check with your state's Dept of Treasury."


I have been on the same boat as you are right now. So basically, it depends on your goals, risk tolerance, upcoming life events! You want a plan not just for this particular 50K, but for your household assets and future earnings to come! My suggestion: Get a flat fee, online financial advisor to do the work for you. You don’t have to figure this out by yourself. Personally, I would invest in a portfolio that: Offers dynamic asset allocation plans that evolves over time based on changing market conditions. Offers a healthy mix of beta and alpha strategies along with the liquidity and ability to monitor activity online. Has structural risk management in place. Risk management is as much about increasing risk as it is about cutting risk. Therefore, you want a plan for de-allocating and re-allocating risk Hope this helps.


An argument from the extreme. I can do that too, watch:  *Or you can leave this country which values its taxes, and government services, and strike out for a no tax, no government haven that I am sure is out there somewhere...*  See how that works.


I watch so little tv any more.  The commercials are ruining it.  You try to watch a great movie and every 8 minutes you have to watch 5 minutes of commercials. How can anyone enjoy a movie like this?  I instantly close all pop up commercials on the internet.  90% of all commercials have no relevance to me so I have no use for them. Most of them are nothing but half-truths and lies anyway.  But in reality, tv has nothing but garbage on it anyway and if it were not for sports I probably wouldn't watch it all.


Whatever you do, don't take your retirement savings to Vegas. Second, you should also consider investment expenses. Your investments profit after the managers pay themselves. Get the lowest expense ratio mutual funds you can. Third, most active managers do not beat the market. Index funds are your friends. They also tend to have the lower expense ratios.


I understand you're trying to ask a narrow question, but you're basically asking whether you should time the market.  You can find tons of books saying you shouldn't try it, and tons more confirming that you can.  Both will have data and anecdotes to back them up.  So I'll give you my own opinion. Market timing, especially in a macro sense, is a zero-sum game.  Your first thought should be: I'm smarter than the average person; the average person is an idiot.  However, remember that a whole lot of the money in the market is not controlled by idiots.  You really need to ask yourself if you can compete with people who get paid to spend 12 hours a day trying to beat the market. Stick with a mid-range strategy for now.  Your convictions aren't and shouldn't be strong enough at the moment to do otherwise.  But, if you can't resist, I say go ahead and do what you feel.  Regardless of what you do, your returns over the next 3 years won't be life changing.  In the meantime, learn as much as you can about investing, and keep a journal of your investment activity to keep yourself honest.


> If I want to pass on my success to my children it should be my choice  Fine. Pass on the *money you earned while you were alive*. After you're dead, you're not producing *anything*. Why should third parties who never were involved in your 'property' continue to get paid?


If you are confident that the US Dollar will recover compared to the Australian Dollar then you could use your Australian dollars (assuming you have some) to buy an ETF that tracks the value of the USD. Then after the USD makes its run (or after the Australian dollar falls) you can cash out and claim victory. If that's not quite your situation, or if you want to learn more Investopedia has a great article that talks more about investing in currency ETFs and mentions a couple other options out there.


"I strongly suspect avoutthere meant physically overweight.  It's a very common belief that poor people are more likely to be overweight.  And while that claim is heavily disputed statistically, the inverse claim (that the poor are *less* likely to be overweight) does not seem to have any support.  So if you'd accept the claim ""Americans are fat"", you'd also have to accept the claim ""American poor people are fat"", even if they're not *more* likely to be obese."


The financially best choice depends on which has a lower interest rate and what your other debts are. If you have significant other debts with a higher interest rate, it may make good sense to sign up for the longer-term loan and use your extra money to pay those down first.  Then pay down your mortgage with large payments. If you don't have significant other debts, then it is likely a good idea to take a shorter term loan because those tend to have lower interest rates. In either case, remember that the required loan payments are the minimum payments.  You can always pay more, and in many cases you should.  The objective here is to pay as little interest over the course of your life as is feasible. I don't think it makes too much sense to gamble on whether or not interest rates will rise in the future.  They may or may not over the life of your loan and you are not in a position to know which.  They are low now, so they can be compared to your existing loans usefully.  That is enough information to make rational decisions today.


This will just hasten the wristwatchs transition to an all digital device. I believe Apple is thinking about transitioning the Nano into a watch like device in upcoming generations, to sync with with phones as a second screen device.  Good luck competing with that, Swatch.


Duh. Obamacare is a huge boon for health insurance companies, forcing everyone to buy their product, not providing a public option and effectively entrusting the bulk of American healthcare into the insurance companies. Of course they are going to like Obamacare. Is this really surprising?


1. Baby boomers homes ending up in the hands of the bank.   2. Millennials can't afford houses bc of school debt/cost of living increases  3. Slow move away from major cities to cheaper areas  4. Real estate boom from foreign investors developing all these luxury homes/condos  Add them all up prices crash again


Đó là cái nhìn đẹp của mái nhà trong phòng. Chúng tôi sử dụng vật liệu hiệu năng cao, hiệu quả về chi phí cho khách hàng.Trước hết bạn nên khảo sát các công ty phát triển sẽ mua từ bạn. Để đảm bảo rằng bạn đưa ra các giải pháp chất lượng, bạn phải lọc xuống một nhóm khách hàng cụ thể thach cao vinh tuong. Tập trung vào những cá nhân muốn cung cấp tài sản của họ, những người đang tìm kiếm nhà tuyệt vời để mua, và những người muốn một chuyên gia để cải tạo ngôi nhà của họ. Đây là những khách hàng tiềm năng có thể giúp bạn kiếm được nhiều hơn bạn mong đợi.


Oh...I think that is exactly the case. This thing had amazing capabilities.   The set up process along was like programming a robot.   But who needs that?   They could have built a $20 hand operated roller with a handle and sold the living shit out of their packets. Same effect.


"The local K-Mart to us will sell the whole pizzas for even less if they're old. They've trained me and other customers. Come on ""When's the pizza getting old"" I ask. ""Come back in 10, we'll save one for you.""  10 minutes later, me and 4 other people are grabbing $2-3 large pizzas. Whatever the fuck they feel like charging. In the meantime, I enjoy the time machine that is K-Mart. ""Wow, 2006 Hot Wheels! That shit's probably collectible by now!"""


You just disclosed that you are new investor to the stock market. I'd advise that you first understand investing a bit better, as most will advise that investors need to be above a certain level before picking individual stocks.  That said, most stocks trade in high enough volume and have low enough short interest that they don't fall under the category you seek. You want to first ask your broker if they have such a process, not all do. If so, they would need to provide you with the stocks that fall into this odd situation, specifically, the shares that have traders seeking to short the stock, but the stock is unavailable. Even then, the broker may have requirements that you don't fall into, minimum history with broker, minimum size account, etc. Worse, they are not likely to offer this for 100 shares, but may have a 1000 or higher share requirement. Are you willing to buy some obscure $50/sh priced stock to lend out at 1%/mo? The guy trying to short it is far smarter than both you and I, at least regarding this particular stock. This strategy is more appropriate for the 7 figure net worth investor.  If any reader has actual experience with this, I'm happy to hear it. This response is from my recollection of two articles I read about 3 years ago, coincidence they both were published within weeks of each other.


> but we as a society do not even offer enough college courses to let people learn new skills.  Is this part of the problem? We, as a society, seem to be fascinated by training. I know of several people who are quite capable, but feel inadequate in doing a job until what they are doing has been validated by someone else through formal training.  I believe this is where KellyAnn3106's coworker was coming from when the [fit was thrown](http://www.reddit.com/r/business/comments/mv6gr/it_is_not_new_to_talk_about_the_need_to_acquire/c3469nh). Learning a new skill, in her coworker's eyes, means going back to a place of training and nobody wants to go back to college once they are in an established career; not unless it is happening as part of the job on the company dime.  A lot of these people grew up in a time where they were constantly reminded that college was the only way to find a job. The idea that you can learn some real marketable skills over the weekend just by playing with a hobby project would never occur to these people because to them college = job.


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"This is the best tl;dr I could make, [original](http://eh.net/book_reviews/rulers-religion-and-riches-why-the-west-got-rich-and-the-middle-east-did-not/) reduced by 93%. (I'm a bot) ***** > Here is the basic argument: any kind of ruler has power because his or her subjects accept their rule and their main concern is what Rubin calls &quot;Propagating their rule.&quot; How do you get people to accept you as their ruler and let you keep your job? Political power is supported by a combination of coercion and legitimacy.  > Why and how did this matter to economic history? Rubin argues that religious authorities were in general conservative, and that the institutions they established are less aligned with commerce and finance than when an economically important elite such as rich urban merchants and artisans are more powerful.  > As a result of their political influence, religious authorities in the Middle East were successful in blocking critical breakthroughs, most notably the printing press and more sophisticated financial institutions.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6kt8n1/rulers_religion_and_riches_why_the_west_got_rich/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~157447 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*: **Rubin**^#1 **rule**^#2 **religious**^#3 **religion**^#4 **economic**^#5"


Leptokurtotic is a term I haven't even heard from my friends *with* math **player hating Degrees**.  I had to look it up, and this was annoying.  I view using it as some sort of complicated power play to keep me off balance, and it makes me confused and subsequently angry. I am not sure why.   In dumb person speak, I've always been under the impression that fatter tails are natural in social distrubutions. And have always been seen as prevalent in free markets of any form, regardless of leverage.


>[**12 Топовых Кранов без вложений! Лучшие сайты криптовалют 2017! Новые краны сатошей Биткоинов, Догов [6:24]**](http://youtu.be/itBMHB0-WxI)  >>¦ Ссылки на регистрации в проектах:  > [*^Финансовый ^Вектор*](https://www.youtube.com/channel/UCAOABF2yT1SjVqI7RK9aIUg) ^in ^People ^& ^Blogs  >*^3 ^views ^since ^Aug ^2017*  [^bot ^info](/r/youtubefactsbot/wiki/index)


"I think it is strange that this article did not bring up AngelList syndicates.  Also think it's interesting that seed rounds from 'super angels"" or ""c=micro-vc"" were not mentioned considering the numbers looks similar to what used to be an A Round."


Suppose that the ETF is currently at a price of $100.  Suppose that the next day it moves up 10% (to a price of $110) and the following day it moves down 5% (to a price of $104.5).  Over these two days the ETF has had a net gain of 4.5% from its original price. The inverse ETF reverses the daily gains/losses of the base ETF.  Suppose for simplicity that the inverse ETF also starts out at a price of $100.  So on the first day it goes down 10% (to $90) and on the second day it goes up 5% (to $94.5).  Thus over the two days the inverse ETF has had a net loss of 5.5%. The specific dollar amounts do not matter here.  The result is that the ETF winds up at 110%*95% = 104.5% of its original price and the inverse ETF is at 90%*105% = 94.5% of its original price.  A similar example is given here. As suggested by your quote, this is due to compounding.  A gain of X% followed by a loss of Y% (compounded on the gain) is not in general the same as a loss of X% followed by a gain of Y% (compounded on the loss).  Or, more simply put, if something loses 10% of its value and then gains 10% of its new value, it will not return to its original value, because the 10% it gained was 10% of its decreased value, so it's not enough to bring it all the way back up.  Likewise if it gains 10% and then loses 10%, it will go slightly below its original value (since it lost 10% of its newly increased value).


"(Yes, I know this is a seven year old question.) Does this only apply to debts that were taken on during marriage  Yes or to all debts of both partners? No. The important thing to remember is that it's both debts and assets acquired during the marriage which are shared. This comes from the reality that men in the olden times were the ones in business, accumulating wealth, etc while the woman ""made the home"".  The working assumption was that the woman who made the home was an equal partner with the man, since he benefited from a good home, and she benefited from his income. The fact that pre-marriage debts and assets were not community property also protected the woman, because she was able to then take back her dowry and use that to support herself. (N.B. - I live in a CP state.)"


"It's called ""rebadging"" the staff. Take them into the new outsourced company, cut benefits and have them train their Indian replacements, then layoff the us staff. I managed 66 developers around the world. India was the worst. They charge about $25k/for fully loaded fte, replacing someone at $100k all in."


They better wipe their goddamn servers when that happens. Though with the number of mishaps they've had so far they'll probably just move some unencrypted, non-password-protected file named ssns_and_names.xls into the recycle bin and leave the servers on the side of the road, thinking there's no way someone can get the data now.


This was most likely a scam, although I do know of cases where a transfer intended for one company ended up in the bank account of another company. I am not entirely sure what happened afterwards, but I think the receiving company was asked to return the transfer back to the originating account.  Still, even if this was the case, they wouldn't have just abandoned $1k for a simple administration fee (if there was even any). It doesn't sound logical.


As soon as you get some actual legal action you hire a lawyer, and that $23k is gone in a matter of weeks. They clearly let have another business to run - only a fool would bother chasing this.  In terms of 'what legal trouble' - we'll as you must know (since you have experience right?) it's legal trouble as soon as someone else decides to spend the time and money making it so. Just because you think there is no issues doesn't stop them attempting to sue (claim copyright in the suit design for example) - they will have a lawyer on their side saying 'sure if course this is illegal let's go get em!'. If and when that happens you are in a bind because turning up to court with no representation is a non starter - so even if you are right you have to expose yourself to the bills to get to that point.


"First of all, the only thing they can do to force you to pay is sue you. If they don't sue you, then they can't force you to do anything. All they have right now is just a written agreement you signed promising to pay. That by itself doesn't have legal power to take money from you. The worst they can do without suing you is put negative information on your credit report (which has probably already happened anyway). If they sue you within the ""statute of limitations"", they will almost certainly win and get a judgment against you, because you did agree to pay. With that judgment, the court can force you to reveal your income and asset information, and they can take the judgment to do things like seize money from your bank accounts and/or garnish your wages. And the judgment does not go away. However, if you have no money in the bank and/or income, they can't take any money from you, because you have none. They can't take more from you than you have. In other words, if you have no money or income, and won't have money or income soon, the judgment they can get by suing you and winning isn't worth the paper it's on. Since serving you and suing you takes money and effort, they will make a calculation on whether it is worth suing you based on the amount of debt and what amount of money they think they can get from you based on what they know about you. This is the reason why you may not be sued at all (if they calculate that it is not worth it), and also why they may offer you a settlement for a lesser amount (because is saves the cost of suing and the risk that they won't be able to get you to pay). The amount you mentioned (several thousand dollars) may be small enough for it to be not worth it. Another thing is the statute of limitations I mentioned earlier, which varies by state and is several years long. If they sue you after the statute of limitations passes, then you can raise the statute of limitations and get the lawsuit dismissed. So basically, after this amount of time passes, you are pretty much free from this debt. Note that the statute of limitations ""resets"" if you acknowledge the debt, which includes paying any amount on the debt or agreeing that you owe them this debt. So if the collection agency ever offers you benefits if you just sign a promissory note, or just pay a token amount, don't fall for the trap -- they are trying to reset the statute of limitations. Even though it's true that you owe them the debt, never let them hear you acknowledging it, unless it's part of a final settlement. Finally, if they get a judgment against you and you don't want them to have the ability to take your money indefinitely in the future until the debt is satisfied, there may be the option of bankruptcy. However, a few thousand dollars may not be worth the cost and negative consequences of bankruptcy, since as a young man you should be able to earn that amount quickly whenever you start working."


If the UK is similar to Australia then you would not claim a virtual rent for the business portion but instead could claim a portion of the house expenses such as electricity use, property taxes, and yes a portion of the mortgage, and any repairs or renovations done to the work areas of the house. However, you should keep in mind that if you sell the place you may have to pay CGT on the portion you were claiming for business use.


A checking account is one that permits the account holder to write demand drafts (checks), which can be given to other people as payment and processed by the banks to transfer those funds. (Think of a check as a non-electronic equivalent of a debit card transaction, if that makes more sense to you.) Outside of the ability to write checks, and the slightly lower interest rate usually offered to trade off against that convenience, there really is no significant difference between savings and checking accounts.  The software needs to be designed to handle checking accounts if it's to be sold in the US, since many of us do still use checks for some transactions. Adding support for other currencies doesn't change that. If you don't need the ability to track which checks have or haven't been fully processed, I'd suggest that you either simply ignore the checking account feature, or use this category separation in whatever manner makes sense for the way you want to manage your money.


"You can always ask. The answer is likely to be ""no"" -- the company is probably not set up to be able to tweak that number  on a case by case basis. I'm not sure whether there are regulations which might kick in, as well; these plans are regulated to prevent abuse and that tends to make doing anything unusual difficult. Find another tax-deferred/tax-advantaged investment and route the money there?"


May want to post in /r/landlord but stains on carpet are not normal wear and tear.   When you say hanging things left holes in the wall do you mean small picture nails, larger holes from toggle bolts, or holes from mounting a tv bracket?  Picture nail are normal wear and tear, the others are not.   If they are repairing homes in the wall then there will also be painting charges. If the have stains on the carpet and it wasn't that old then the price isn't bad.


I can tell you other than Black Friday I haven't been there, and I have 3 kids to buy toys for. Amazon is bae - just compare prices online. We're not our parents who would walk into the store and buy us a random toy. Kids want specific things and if I can get it shipped free in a day for 30% less I'm doing it.


Interesting point actually. Those who can afford watches (insert iPhone or internet access, etc) have a technological step up on the rest of us, by their sheer proxy to information and computational power via their devices and connections.   It's not biological, but we're enhancing ourselves vicariously through our tools every day.


"Depends on your definition of ""secure"". The most ""secure"" investment from a preservation of principal point of view is a non-tradable, general obligation government bond. (Like a US or Canadian savings bond.) Why? There is no interest rate risk -- you can't lose money. The downside is that the rate is not so good. If you want returns and a reasonably high level of security, you need a diversified portfolio."


Lol where you been buddy? At one point it was the stock that everyone rode. But now it's come down from its peak significantly.   The new reports of the virus will surely hurt it more. I like their food and that virus can be caught anywhere. I feel as if a competitor wants to play dirty tactics within the food supply chain.


When you apply for the mortgage expect that the lender will want your sister to sign a form explaining that that is a gift, otherwise the lender might be concerned that it is a loan. Be careful about the gifting of the money to a minor. You could run into an issue if the money isn't spent on something that benefits the child. The IRS does get concerned about using money transfers between child and parent to get around tax issues. Other than that you don't have a tax issue. If the gifting is done correctly your sister can gift $14,000 to you and your spouse each year. If your child has a large expenses in the near future: tuition, braces... Your sister could transfer funds to the child to pay for those items, thus freeing up some of your funds for the house.


"You asked about the challenges. The transition itself is the biggest one. For people to get used to the tax at the register vs at their paycheck. For a great number of people to find new work. I don't know the numbers, but anyone involved with personal income taxes would be out of work. Sales tax is already part of the process in most states, bumping it to a federal tax wont add too much in overhead.  I make no moral judgment, but consider, most prostitutes and drug dealers are avoiding income tax, but they still are buying the same goods in stores you and I are. This proposed tax reduces the collection noncompliance, and brings more people into ""the system"".  Another factor some may not like is the ability to affect behavior by picking and choosing what to promote, via deductions, such as home buying or charity."


"So basically, the bar has been lowered due to the fact that so many people don't qualify for credit. The medical debt issue is one thing, but the fact that only 28% of home purchases these days are first time home buyers instead of 40% says more about our unaffordable higher educational system, labor market and people's ability to earn decent income than it does about credit being ""too tight"".  If anything this is a loosening of standards since the banks have no alternative in order to drum up new sales. They're 12% off the mark and they're finding ways to close the gap. Wages probably won't get better, so they're better off accepting lower quality customers and rolling the dice on their ability to pay off debts over the life of the loans they issue.  Sounding familiar?"


Everbank just charges a 1% currency conversion fee for foreign ATM transactions. Unfortunately they don't seem to document this on their web site, but a call to customer services should confirm (A family member confirmed with them in the past and I also have personal experience while traveling). It appears About.com also reviewed a few last spring. While many places do only take cash, for larger transactions (such as lodging) I'd recommend considering carrying one of the credit cards that don't pass through the network charge for a net 0% (such as Capital One mentioned in another answer).


You should be careful about mingling your personal money and that of the business, even if it is a sole prop right now.  It is a good habit to keep separate business and personal bank/credit accounts just so that when you change to an LLC, it is simpler for you to separate what belongs to the company and what is yours personally.  What you're doing makes it more difficult (although only marginally so) to itemize business deductions that were paid with an ostensibly personal credit account.  The better habit to get into now is keeping that distinct separation between personal and business. That being said, there's nothing illegal in what you're doing, but it would make an accountant cringe, that's for sure. (chuckle) Hope this helps. Good luck!


> pay in your own country is probably better  Totally untrue. Depends on your country, obviously, but I personally know several dozen H1Bs who wanted to stay here because they can make way, way more.  Agreed that the system is busted and needs significant reform to bring in a lot more qualified workers. But our situation is very, very different from that of any European country, so you can't make a direct comparison.


Your numbers sound super off. Where exactly are you working? The starting salary for most CS jobs in SF/Bay Area is at LEAST 80k. Most of my friends in CS or anything marginally related in the Bay Area make closer to 150 at this point and at least half of them started with 90k+ starting salaries right out of school...I feel like you must be talking about a different part of the country. Although to be fair this study is pretty stupid because it doesn't take into account cost of living. 150k in SF is pretty much 75k in Chicago/Cleveland/Etc.


But why can't two companies exchange goods directly without paying VAT? This would make the famous carousel fraud scam impossible and businesses won't have to deal with complicated refunds. Sales tax in the United States works as you describe.  Sales tax is charged only to end customers, not to businesses that themselves charge sales tax.  But this means that a criminal business can charge tax and just pocket it unless someone else reports it.  They can also evade income tax the same way.  Not to mention other issues like cross jurisdiction taxes (e.g. internet sales often evade sales tax).   The whole point of a Value Added Tax (VAT) is that they charge at each level.  This creates a system where each buyer reports the tax paid to the seller so as to be able to deduct it.  So the seller has to pay the VAT that they charged.  Or the tax authorities know and can revoke their VAT license.   If only the end user is charged tax, then fraud is easier than under a VAT.  So easy, I doubt they have a special name for it.  The fraudulent business just collects tax from end users and disappears.  Or simply fails to record those transactions.  You could call it missing transaction record fraud, but why bother?  It's just straight up tax fraud.  The complexity of the carousel fraud arises from the difficulty of evading a VAT.


"It will count as income, and you can deduct as much of your moving expenses as allowed by tax laws.   If you also count it as a reimbursement, then you're double-taxed - once for the income and again by reducing your moving deduction. The ""reimbursement"" amount is designed for when you get literally reimbursed for exact expenses directly, bypassing the tax on that compensation. The only difference will be that you (and your employer) pay FICA and medicare on the ""relocation bonus"" that you wouldn't if you were reimbursed.  Also, with a reimbursement you are not incentivized to minimize the cost of your relocation (since it's not your money you're spending).  With a bonus, since you get to keep whatever is left over, you have a vested interest in keeping your expenses down."


"My answer is specific to the US because you mentioned the Federal Reserve, but a similar system is in place in most countries. Do interest rates increase based on what the market is doing, or do they solely increase based on what the Federal Reserve sets them at? There are actually two rates in question here; the Wikipedia article on the federal funds rate has a nice description that I'll summarize here. The interest rate that's usually referred to is the federal funds rate, and it's the rate at which banks can lend money to each other through the Federal Reserve. The nominal federal funds rate - this is a target set by the Board of Governors of the Federal Reserve at each meeting of the Federal Open Market Committee (FOMC). When you hear in the media that the Fed is changing interest rates, this is almost always what they're referring to. The actual federal funds rate - through the trading desk of the New York Federal Reserve, the FOMC conducts open market operations to enforce the federal funds rate, thus leading to the actual rate, which is the rate determined by market forces as a result of the Fed's operations. Open market operations involve buying and selling short-term securities in order to influence the rate. As an example, the current nominal federal funds rate is 0% (in economic parlance, this is known as the Zero Lower Bound (ZLB)), while the actual rate is approximately 25 basis points, or 0.25%. Why is it assumed that interest rates are going to increase when the Federal Reserve ends QE3? I don't understand why interest rates are going to increase. In the United States, quantitative easing is actually a little different from the usual open market operations the Fed conducts. Open market operations usually involve the buying and selling of short-term Treasury securities; in QE, however (especially the latest and ongoing round, QE3), the Fed has been purchasing longer-term Treasury securities and mortgage-backed securities (MBS). By purchasing MBS, the Fed is trying to reduce the overall risk of the commercial housing debt market. Furthermore, the demand created by these purchases drives up prices on the debt, which drives down interest rates in the commercial housing market. To clarify: the debt market I'm referring to is the market for mortgage-backed securities and other debt derivatives (CDO's, for instance). I'll use MBS as an example. The actual mortgages are sold to companies that securitize them by pooling them and issuing securities based on the value of the pool. This process may happen numerous times, since derivatives can be created based on the value of the MBS themselves, which in turn are based on housing debt. In other words, MBS aren't exactly the same thing as housing debt, but they're based on housing debt. It's these packaged securities the Fed is purchasing, not the mortgages themselves.  Once the Fed draws down QE3, however, this demand will probably decrease. As the Fed unloads its balance sheet over several years, and demand decreases throughout the market, prices will fall and interest rates in the commercial housing market will fall. Ideally, the Fed will wait until the economy is healthy enough to absorb the unloading of these securities.  Just to be clear, the interest rates that QE3 are targeting are different from the interest rates you usually hear about. It's possible for the Fed to unwind QE3, while still keeping the ""interest rate"", i.e. the federal funds rate, near zero. although this is considered unlikely. Also, the Fed can target long-term vs. short-term interest rates as well, which is once again slightly different from what I talked about above. This was the goal of the Operation Twist program in 2011 (and in the 1960's). Kirill Fuchs gave a great description of the program in this answer, but basically, the Fed purchased long-term securities and sold short-term securities, with the goal of twisting the yield curve to lower long-term interest rates relative to short-term rates. The goal is to encourage people and businesses to take on long-term debt, e.g. mortgages, capital investments, etc. My main question that I'm trying to understand is why interest rates are what they are. Is it more of an arbitrary number set by central banks or is it due to market activity? Hopefully I addressed much of this above, but I'll give a quick summary. There are many ""interest rates"" in numerous different financial markets. The rate most commonly talked about is the nominal federal funds rate that I mentioned above; although it's a target set by the Board of Governors, it's not arbitrary. There's a reason the Federal Reserve hires hundreds of research economists. No central bank arbitrarily sets the interest rate; it's determined as part of an effort to reach certain economic benchmarks for the foreseeable future, whatever those may be.  In the US, current Fed policy maintains that the federal funds rate should be approximately zero until the economy surpasses the unemployment and inflation benchmarks set forth by the Evans Rule (named after Charles Evans, the president of the Federal Reserve Bank of Chicago, who pushed for the rule). The effective federal funds rate, as well as other rates the Fed has targeted like interest rates on commercial housing debt, long-term rates on Treasury securities, etc. are market driven. The Fed may enter the market, but the same forces of supply and demand are still at work. Although the Fed's actions are controversial, the effects of their actions are still bound by market forces, so the policies and their effects are anything but arbitrary."


Although if you count only your data, it would be quite less 10 MB, multiply this by 1 million customers and you can see how quickly the data grows. Banks do retain data for longer period, as governed by country laws, typically in the range of 7 to 10 years.  The online data storage cost is quite high 5 to 10 times more than offline storage. There are other aspects, Disaster recover time, the more the data the more the time. Hence after a period of time Banks move the data into Archive that are cheaper to store but are not available to online query, plus the storage is not optimized for search. Hence retrieval of this data often takes few days if the regulator demands or court or any other genuine request for data retrieval.


Is your credit card spending on things outside the categories listed in your question? I generally don't put credit card expenditures in their own category of spending because I'm buying things like gas and groceries, etc. I track all spending whether from my checking account (bill autopay) or credit card account as spending in budget categories, and I just transfer money from my checking account to my credit card account to cover anything that was spent there during the previous month.


Since the market is in general rather efficient, the price of the ETF will most of the time reflects the prices of the underlying securities. However, there are times when ETF price deviates from its fundamental value. This is called trading at a premium/discount. This creates arbitrage opportunity, which is actually being studied in finance literature.


Driver's license isn't relevant. If NYS considers you a part-year resident, they assess income tax on a pro rata basis. NY is broke now, so expect them to be really obnoxious about it if you make a lot of money. California probably has a similar policy. If you really make a lot of money, the demands of the states in these matters are insane. I've read of cases where a state has actually demanded that an individual provide documentation of their in-/out-of-state status for every day of the year!


"Joe Blo Digital Heaven is a name but not an author  you see, an author can be researched via simple Google queries.  I have found a BOATLOAD of these ""authors"" to have LinkedIn links, Twitter accounts and Fakebook...but ZERO actual credentials  so if a garbage of load of fakers can be easily exposed, the ones who don't even list a name could be even more fake"


There are P2P lending sites like prosper.com and lendingclub.com (both have 35K limit) where you can take out a personal loan. Don't expect the rate to be nowhere close to a secured loan like a mortgage or a car loan.


Rules of thumb? Sure - Put down 20% to pay no PMI.  The mortgage payment (including property tax) should be no more than 28% of your gross monthly income.  These two rules will certainly put a cap on the home price. If you have more than the 20% to put down on the house you like, stop right here. Don't put more down and don't buy a bigger house. Set that money aside for long term investing (i.e. retirement savings) or your emergency fund. You can always make extra payments and shorten the length of the mortgage, you just can't easily get it back.  In my opinion, one is better off getting a home that's too small and paying the transaction costs to upsize 5-10 years later than to buy too big, and pay all the costs associated with the home for the time you are living there. The mortgage, property tax, maintenance, etc. The too-big house can really take it toll on your wallet.


I worked there for a year and a half I hope these people find better jobs... it won't be hard it wasn't for me. The way they pay you commission HA now there's something that should be illegal. I got a class action in the mail last month from something they didn't pay us for. $90 I'm not sure what symbolically I can do with he money wiping my ass with it seems too played out.   Lambert just saw the opportunity I don't blame him it was a dumpster fire when he got it. I knew there was no future in it before I got the job, I mean who the hell goes to Sears anymore.  It's basically a thrift store but dirtier and I'd rather go to a thrift store you might find something cool and different.


I think you're missing Simon Moore's point. His point is that, due to low inflation, the returns on almost all asset classes should be less than they have been historically, so we shouldn't rebalance our portfolio or withdraw from the market and hold cash based on the assumption that stocks (or any other asset) seem to be underperforming relative to historical trends.  His last paragraph is written in case someone might misunderstand him, he is not advocating to hold cash, just that investors should not expect as good returns as has happened historically, since those happened in higher inflation environments. To explain: If the inflation rate historically has been 5% and now it's 2%, and the risk-free-market return should be about 2%, then historically the return on a risk-free asset would be 7% (2%+5%), and now it should be expected to be 4% (2%+2%). So, if you have had a portfolio over some time you might be concerned that the rate of return is worsening, but Simon's point is that before you sell off your stocks / switch investment brokers, you should try to figure out if inflation is the cause of the performance loss. On the subject  of cash: cash always loses value over time from inflation, since inflation is a measure of the increase in prices over time-- it's a part of the definition of what inflation is.  That said, cash holdings lose value more slowly when inflation is lower, so they are relatively less worse than before. The future value of cash doesn't go up in low inflation (you'd need deflation for that), it just decreases at a lower rate, that is, it becomes less expensive to hold- but there still is a price. As an addendum, unless a completely new economic paradigm is adopted by world leaders, we will always see cash holdings decrease in value over time, since modern economics holds that deflation is one of the worst things that can happen to an economy.


Your 5-8 year time frame is interesting because it is actually a two windows.  When people are savings for retirement, they tell us how many years or decades they have until they reach retirement age. But they also imply that they are planning on spending decades withdrawing the money.  But you wanting the money for a house in 5-8 years are needing the money more like somebody who is saving college money for a teenager. In fact your plan is similar in time frame as a 13 year old has for their college fund; start in 5 years but only have a 4 year spending window. Take the California 529 program: Beneficiary Age 13-14: Beneficiary Age 18+: The funding agreement provides a minimum guaranteed rate of return on the >amounts allocated to it by the Investment Portfolio. The minimum effective >annual interest rate will be neither less than 1% nor greater than 3% at >any time. So you plan of investing 100% in the S&P with your window is way too risky. You should only invest a portion of your down payment in equities, and be prepared to only be in that mode for a few years. Any drop in the market now hurts you, but one just before you need the funds would be devastating.


I've been an F&I Manager at a new car dealership for over ten years, and I can tell you this with absolute certainty, your deal is final. There is no legal obligation for you whatsoever. I see this post is a few weeks old so I am sure by now you already know this to be true, but for future reference in case someone in a similar situation comes across this thread, they too will know. This is a completely different situation to the ones referenced earlier in the comments on being called by the dealer to return the vehicle due to the bank not buying the loan. That only pertains to customers who finance, the dealer is protected there because on isolated occasions, which the dealer hates as much as the customer, trust me, you are approved on contingency that the financing bank will approve your loan. That is an educated guess the finance manager makes based on credit history and past experience with the bank, which he is usually correct on. However there are times, especially late afternoon on Fridays when banks are preparing to close for the weekend the loan officer may not be able to approve you before closing time, in which case the dealer allows you to take the vehicle home until business is back up and running the following Monday. He does this mostly to give you sense of ownership, so you don't go down the street to the next dealership and go home in one of their vehicles.  However, there are those few instances for whatever reason the bank decides your credit just isn't strong enough for the rate agreed upon, so the dealer will try everything he can to either change to a different lender, or sell the loan at a higher rate which he has to get you to agree upon. If neither of those two things work, he will request that you return the car. Between the time you sign and the moment a lender agrees to purchase your contract the dealer is the lien holder, and has legal rights to repossession, in all 50 states. Not to mention you will sign a contingency contract before leaving that states you are not yet the owner of the car, probably not in so many simple words though, but it will certainly be in there before they let you take a car before the finalizing contract is signed.  Now as far as the situation of the OP, you purchased your car for cash, all documents signed, the car is yours, plain and simple. It doesn't matter what state you are in, if he's cashed the check, whatever. The buyer and seller both signed all documents stating a free and clear transaction. Your business is done in the eyes of the law. Most likely the salesman or finance manager who signed paperwork with you, noticed the error and was hoping to recoup the losses from a young novice buyer.  Regardless of the situation, it is extremely unprofessional, and clearly shows that this person is very inexperienced and reflects poorly on management as well for not doing a better job of training their employees. When I started out, I found myself in somewhat similar situations, both times I offered to pay the difference of my mistake, or deduct it from my part of the sale. The General Manager didn't take me up on my offer. He just told me we all make mistakes and to just learn from it. Had I been so unprofessional to call the customer and try to renegotiate terms, I would have without a doubt been fired on the spot.


Well it all depends on where he lives.  If its in a younger generation area then yes.  If not then no.  Normally you should spend like 25 bucks for a few days and see the return rate.  I was just writing up a quick thing he can do for major chances.


"> Two Ex-Googlers Want To Make Bodegas And Mom-And-Pop Corner Stores Obsolete  ... Weird and unachievable but okay ...  > he is launching a new concept called Bodega with his cofounder  So he's replacing bodegas with... Bodega? Uhuh. This is getting weirder.   > Bodega sets up five-foot-wide pantry boxes filled with non-perishable items you might pick up at a convenience store  Oh. Nope. He's just making high tech vending machines. Okay. Nothing to see here.   I hate how everything has to be the new Uber. ""We're gonna disrupt the whole industry! We're gonna make <super universal thing> obsolete! We're gonna change the world!""  > McDonald says. “Eventually, centralized shopping locations won’t be necessary, because there will be 100,000 Bodegas spread out, with one always 100 feet away from you.”  Shut up McDonald. You're making a high tech vending machine. Will it be profitable? Probably. Is it going to completely revolution the world and eliminate brick and mortar stores across the nation? No. Shut up."


a business cliche gets that way because it is a time-saving referent to a common business concept, procedure, and/or belief.    you can learn a lot about the culture of a company or industry from the cliches that it uses.  taken out of proper context - nope, they aren't that useful.


It appears that you have bought into the Communist lie.  Milton Friedman lats it all out so well. No transaction ever occurs unless both sides in the transaction benefit.  Let's say you are out for a walk. While walking you feel hungry. You find two quarters ($0.50) in your pocket. You enter the nearest convenience store and look for a snack cake to buy. You find a Twinky selling for 40 cents. You pay for the Twinky and leave the store while eating it. You also leave with a dime in your pocket.  To you the Twinky is worth 50 cents as you would have paid what you had to obtain one. So made 10 cents profit on the deal. The shopkeeper sold his merchandise for 40 cents but it only cost him 25 cents to obtain the Twinky. He made 15 cents profit on the deal.  You wanted the snack more than you wanted the money. The shopkeeper wanted the money more than the snack. You both got what you valued more. You both profited by the transaction.  That is why Capitalism works. Value (worth)  is in the eye of the beholder.  Remember: no transaction occurs unless both sides profit.  Edit: once again I ask: if you give me a negative vote please explain with a comment.


"Thank you very much for this - an exceptional answer.   On a related note, I heard that back in the day when IBM was huge, they actually had manufacturing plants to build parts for other IBM divisions, because those divisions couldn't get what they needed anywhere else.   Then one day, a VP asked another VP ""Hey, we make this stuff because nobody else does, right?""   ""Yeah""   ""Which means other companies that need it don't have anywhere to get it?""   ""Yeah""   ""So couldn't they get them from us?""   ""What, like we sell them parts?""   ""Yeah.""   ""How would *that* work?"""


Cart's answer is basically correct, but I'd like to elaborate: A futures contract obligates both the buyer of a contract and the seller of a contract to conduct the underlying transaction (settle) at the agreed-upon future date and price written into the contract. Aside from settlement, the only other way either party can get out of the transaction is to initiate a closing transaction, which means:  The party that sold the contract buys back another similar contract to close his position.  The party that bought the contract can sell the contract on to somebody else. Whereas, an option contract provides the buyer of the option with the choice of completing the transaction.  Because it's a choice, the buyer can choose to walk away from the transaction if the option exercise price is not attractive relative to the underlying stock price at the date written into the contract.  When an option buyer walks away, the option is said to have expired. However – and this is the part I think needs elaboration – the original seller (writer) of the option contract doesn't have a choice.  If a buyer chooses to exercise the option contract the seller wrote, the seller is obligated to conduct the transaction.  In such a case, the seller's option contract is said to have been assigned.  Only if the buyer chooses not to exercise does the seller's obligation go away.  Before the option expires, the option seller can close their position by initiating a closing transaction.  But, the seller can't simply walk away like the option buyer can.


i dont think this is the time to make fun of russia or say that theyre doing badly in any cse. theyre just coming out of a huge bottom in their stock chart and theyre gonna have a lot of gowth ahead of them. i think theyre gonn ashow some stromng performance, and this cyber firm as well looks like it could dial in some money  from its growth


Someone messed up here. My tax accountant says she is supposed to enter the values as they are on the W2 and CompanyB said they will not issue a new W2 because they were not involved in the refund of the money. Correct. We decided that we will enter a value different from 12b-d, subtract the money that was refunded to me because it's already on the 1099.  Incorrect. Is there an alternative to avoid paying taxes twice on the 401k overages? If not, is there a better way to do this to minimize the risk of an audit? You should enter the amounts in W2 as they are. Otherwise things won't tie at the IRS and they will come back asking questions. The amount in box 12-D was deducted from your wages pre-tax, so you didn't pay tax on it. The distribution is taxable, and if it was made before the tax day next year - only taxable once. So if you withdrew the same year of the contribution, as it sounds like you did, you will only pay tax on it once because the amounts were not included in your salary. If the 1099-R is marked with the correct code, the IRS will be able to match the excess contribution (box 12-D) and the removal of the excess contribution (1099-R with the code) and it will all tie, no-one will audit you. The accountant is probably clueless as to how her software works. By default, the accounting software will add the excess contribution on W2 box 12-D back into wages, and it will be added to taxable income on your tax return. However, when you type in the 1099 with the proper code, this should be reversed by the software, and if it is not - should be manually overridden. This should be done at the adjustment entry, not the W2 entry screen, since a copy of the W2 will be transmitted with your tax return and should match the actual W2 transmitted by your employer. If she doesn't know what she's doing, find someone who does.


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And I hope those minimum wage workers get their asses kicked for being scabs.  Crossing a picket line is VERY dangerous.   Any idiot to do that to get a minimum wage job is just acting stupid.  Here in Vancouver when our garbage men went on strike, a few souls were driving around collecting garbage for charity.  one day one of them got a call to go to a house, where a few large guys with baseball bats came out.  Needless to say he stopped.


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Please given an estimate when can you do this: I want it ASAP.  Please advise: solve this fucking problem already.  I'm looking into it: I have no idea if I can solve this fucking problem.  We need to discuss that: I don't know jack shit about it and afraid to make a decision.  We need to coordinate that with John: we need him to work on this, not something else.


What do you mean doesn't allow private entities to attach to the fixtures?  Do you mean fixtures like lamp posts etc?  This would only be suitable for small cells anyway.  Putting a small cell on a rooftop is silly.  A roof site would be a full build site with radios, sector antennas, an equipment cabinet or two, and a power/battery cabinet.  If you mean attach fixtures to buildings, I don't believe that.  Create a business to lease the space.  Bob's Rooftop, Inc., etc.  Make sure they carry sufficient insurance and that it includes protection for your building against any contractor error (roof damage, accidentally drill something, damage to cosmetic materials, etc), against fire, and basically anything else.  I've only seen cell equipment catch fire a couple of times, both of which were the result of lightning strikes.  On the other hand, the bank of batteries they use for backup power is pretty big and has more than enough power to do some accidental arc welding.  Are they limited to leasing to a single carrier?  You need this all spelled out in writing.  PM me the name of the vendor if you are allowed to.  I don't need the name of the carrier.  You don't need to give me too much identifying information, so there is no exposure for you.  Are they offering the $350 or are you asking it?  I feel like a minimum of $1000 is reasonable.  Try to find out what they will be paid by the carrier.  You might be able to negotiate something like 65% of the money the carrier pays.  Do remember that the vendor does basically nothing other than make the space available.  They don't build the site and they don't maintain it.


I'm 40 and been carrying student debt for nearly 20 years. Because of life events and various circumstances I've had to defer several times. This means my balance history looks like a rollercoaster. At this point I just consider the Department of Education to be akin to heroin addiction. I feed it as regularly as I can. It starts to get painful when I can't. It requires an ever increasing amount to get that fix. I'm financially fucked and it's my fault. And one day it'll probably kill me. But I just keep trying. What choice do I have?


Number 3 isn’t as easy as it seems.  I interviewed at one place and the manager was affable and happy.  He told me he loved his job and the company.  After I was there for 4 months I reminded him of this conversation and asked what he liked about the company.  He said he lied to me so I would take the position.  I left a few weeks after that, but I should have listening to my internal feelings about the company.  Be sure to look around at the staff and the environment, even the people you are not interviewing you.  Do they look like they are serving time and hope to be released for good behavior?  Watch their demeanor and body language they say a lot.    Number 5 is very important.   I have friends that took jobs that use out of date technology and now they are almost unemployable.


"MLP stands for master limited partnership. Investors who buy into one are limited partners, rather than shareholders, and have their taxable income reported on K-1s, rather than 1099s. MLPs are engaged in businesses (e.g. real estate, natural resources) that generate a lot of cash that doesn't need to be ""reinvested,"" or put back into the company. Because of this feature, the IRS will exempt it from corporate tax if it pays out at least 95% of its income in the form of dividends. The advantage is that you avoid the ""double taxation"" common to most corporations, and get a higher yield as a result.  The disadvantage is that the company can't retain earnings for growth, and needs to borrow money if it wants to grow. In this regard, an MLP is much like a utility (except that a utility has to pay corporate taxes, and is otherwise heavily regulated by the Federal and/or state governments). You can look upon an MLP as an unregulated utility. This means that MLPs are most suitable for utility type investors who are more interested in current income, than capital gains. Because they are unregulated, they are riskier than utilities."


"Sue the debt collectors in small claims court.   There are several example stories around the internet, but this is a well written one from the consumerist. If your phone is a cell phone: ""it  is against the law for a company to  leave a pre-recorded message on your  cell phone."" In fact, the call frequency increased   once they realized they had reached a   live person. I called each of these   companies multiple times, and though I   was given assurances each time that my   number would be taken off of their   lists, the calls continued, morning,   noon and night. At my wits end, I   decided the only way to have the   harassing calls stop was to file suits   against the collection companies. It's   very important to understand that it   is against the law for a company to   leave a pre-recorded message on your   cell phone. Armed with this knowledge,   I filed suit against several of the   collection companies. I filed in small   claims court so I did not need to hire   an attorney, and the process was as   simple as completing a paragraph on a   complaint form. For evidence, I had   over a hundred Google Voicemail   transcripts showing the times the   companies called and the text of the   pre-recorded messages. Mysteriously, the calls all stopped   immediately on the same date the   collection companies received the   certified letters stating they were   being sued. Then a new flurry of calls   began pouring in. This time it was   their attorneys. The attorneys representing these out   of state collection companies were all   desperate to settle out of court. hey   did not want to incur the expense of   traveling for court or hiring a local   law firm who wasn't on retainer. They   also understood they had no   justifiable defense for the calls. To   make a long story short, so far I have   successfully sued 3 of these   collection companies and settled for   more than $5,000 out of court. All it   cost me was $35 and 20 minutes per   suit. Making these companies pay is the only   incentive for them to stop their   illegal and harassing practices. If   more consumers knew their rights and   actually took a few minutes to stand   up for them, it would become less   profitable for these companies to   conduct business the way they do now. -Source And whether you have a cell phone or land line,  It is illegal for the debt collectors to tell you they are calling to collect a debt for someone else under the Fair Debt Collection Practices Act (wikipedia, ftc docs). What Remedies Are Available If The   Debt Collector Violates The Law Under   the Fair Debt Collection Practices   Act, you have the right to sue a debt   collector in state or federal court   within one year from the date of the   violation. If you win, you may recover   damages in the amount of any losses   you suffered as a result of the   violation, plus an additional amount   of up to $1,000.00. You may also be   able to recover court costs and   attorney fees. If the same debt collector has engaged   in unlawful conduct with a number of   consumers, it may be possible to find   a lawyer who will file a class action   lawsuit. -Source With regard to whether you can sue under FDCPA if you are not the debtor, one FDCPA lawyer (take with grain of salt) says yes: Did you know that it doesn't matter if   you owe the account the debt collector   is calling you about or not? If a debt   collector violates the FDCPA (the   federal Fair Debt Collection Practices   Act, 15 USC 1692 et. seq.) that debt   collector could be liable to pay you   statutory damages, actual damages,   attorney's fees, and court costs. -Source"


The solution to this problem is somewhat like grading on a curve. Use the consumption ratio multiplied by the attendance (which is also a ratio, out of 100 days) to calculate how much each person owes. This will leave you short. Then add together all of the shares in a category, determine the % increase required to get to the actual cost of that category, and increase all the shares by that %.


Maybe we shouldn't be focusing so much on jobs.  Jobs are just a means to feed and house oneself in a capitalist society -- and, conveniently, a way for capitalists to make money.  So, I am not so concerned about jobs.  We can find other ways to make sure people still have food and houses.


No. But you are not splitting the 401(k), the judge is. There is no provision for an employee to simply request funds to give to the ex-spouse. But there is a QDRO, a qualified domestic relations order whereby a judge orders this to occur. The lawyers will be aware of the loans, as will the judge, and will take that into account when splitting the 401(k). Depending on what other money the Ex has, he make be required to pay the loans back, partially, or in full.  No one can guess what will happen. The judge will take all aspects of your finances and current earnings into account.


"This article fails to explain that paper gold doesn't ""necessarily"" guarantee the owner to physical gold.  An index fund tracking the price of gold per ounce guarantees the owner the market value of gold at the termination of the contract.  This keeps markets liquid, and allows investors to diversify into precious metals without the inconvenience of storage and delivery fees.  As long as we are using currency that can be exchanged for gold this shouldn't pose a problem.  If we move to a post currency world of barter and trade, you're better invested in weapons and ammunition."


In the question you cited, I assumed immediate exercise, that is why you understood that I was talking about 30 days after grant. I actually mentioned that assumption in the answer. Sec. 83(b) doesn't apply to options, because options are not assets per se. It only applies to restricted stocks. So the 30 days start counting from the time you get the restricted stock, which is when you early-exercise. As to the AMT, the ISO spread will be considered AMT income in the year of the exercise, if you file the 83(b). For NQSO it is ordinary income. That's the whole point of the election. You can find more detailed explanation on this website.


Yes, you are the proprietor of the business and your SSN is listed on Schedule C. The information on Schedule C is for your unincorporated business as a contractor; it is a sole proprietorship. You might choose to do this business under your own name e.g. Tim Taylor (getting paid with checks made out to Tim Taylor) or a modified name such as Tim the Tool Man Taylor (this is often referred to as DBA - Doing Business as), under a business name such as Tool Time etc. with business address being your home address or separate premises, and checking accounts to match etc. and all that is what the IRS wants to know about on Schedule C.  Information about the company that paid you is not listed on Schedule C.


The thing is Spain really isn't like Greece and their financial crises are fundamentally different but unfortunately interconnected.  Greece's issue is too much sovereign debt and a banking sector that lent far too heavily to their own government. Spain's problems derive from a private banking sector crisis as they over lent particularly to fund an insane property boom that went really really bad really quick. The root cause is far more akin to the US crisis than the Greek one, however being caught up in the Eurozone and having banks exposed to the debt of other nations has really fucked them over in terms of borrowing and debt to gdp ratio.  Spain was one of the few Eurozone nations that stuck to the max 3% og GDP borrowing rule, not even Germany stuck to that, they were fiscally responsible. Then having to provide a huge bailouts to a financial sector, as the economy was tanking from the global recession amd the bubble bursting and a crisis emerging in other EU nations (and a lack of a central bank) has been their ruin.


"You're welcome to throw in the towel and stop paying any time you want.  You'll just suffer the consequences of doing so. It sounds like you're concerned about losing your job ""in the next few years.""  What are you doing to stem this off?  Are you building up a side income?  Are you building up portable skills -- ones that can be used anywhere?  If you think you have a few years left, use them.  Build something up.  You may be able to recover more quickly, or last longer until you find a new job. Some of my blogging friends have been at it about as long as I have, and they're in high-five, low-six figures now.  For blogging.  Some did it even faster.  All it takes is time.  Your expenses for starting a blog are $10/month plus cutting out two hours of TV / drinking / anything else consumer-ish to learn more about your favorite interest, write about it, and interact with the online community. That's just one idea.  Season to taste or choose a different meal altogether. Are you frugal?  Are you looking for ways to cut expenses?  If you can find extra money to save a little bit more and knock out just one of those debts (say, the car), you'll be able to throw that payment at the student loan.  Then they'll both be gone, and you can save up a cushion for yourself faster. I just think it's a little weak to give up when you're not really in trouble yet.  You're tight, but you can get through that."


If you plan to continue contributing to a 401(k) and are no longer self-employed, then you need to start a new 401(k) at your new business.  You can't contribute to the old one any more.  About the money in the old one, you have a few options.   If both 401(k) plans have good investment options and low fees, then there's little reason to think one of these strategies is better than the other.  If, like me, at least one of your 401(k) providers has very few available funds and those funds have high expense ratios, then it's a good idea to move your money where the investments are best.  As a rule, IRA's are better than 401(k) plans because most IRA's will allow you to invest in practically anything you want while most 401(k) plans only allow you to invest in the funds that have taken your company's HR people to the best lobster dinners or went to the same school as them.  Most organizations do an absolutely horrible job at selecting a reasonable set of funds because the decision-makers generally have no finance background and no incentive to do a good job.  For that reason I like IRA's.   Of course, some solo 401(k) plans are also very good so just leaving it where it is may be best for you.  This has the added advantage of being ready to go if you end up self-employed again at some point.


This may be best handled by an expert. Look for somebody recommended by a church, homeless shelter, food pantry, office of unemployment, office of disability,  or Veterans services to advise you on maximizing support for your father.  You want to know what type of help you can give without causing the overall level of support to drop. You may even find there are other avenues of assistance.


Why not talk about services?  Why should I pay more for services.  It's not like more income means I use the roads and bridges more.  More income doesn't mean more kids that need public education.  More income doesn't mean I use fire services more.  If you ask me, I'd rather people just pay for the services they use.  Have kids?  Then you pay for their school.  Drive 60 minutes to work, then you pay more than someone that drives 10 minutes.  That's seems fair.