"I would say it actually applies to more readily to things like eating dinner than moral acts. The rationalization part need not be a justification, it may simply be the narrative your mind creates to give the illusion of agency to the actions you perform.  What I was getting at originally though is that most people rationalize emotional decisions after the fact. The mark of a higher moral being is one whose rational morals are informed by but ultimately supersede its  emotional instincts.   Your counterexample of ""Deserved"" is telling. There are two distinct lines of thought in justice: punitive and preventative. Punitive focuses on retribution, while preventative focuses on isolation or elimination of an individual from a situation where it can do further harm.   I think most punitive measures are at heart an emotional response to a situation or an entity, while preventative (usually) is informed by emotion but ultimately rational. This is another division in the potential reasons why someone might cheat a large faceless organization: on the emotional side one might live in a dramatically unequal society in which such organizations often blatantly act in a manner which is contrary to all social conditioning we receive from a very young age. Despite this, they thrive. This observation might lead to resentment and a sensation that such organizations deserve to be punished for their deeds, and a persons deeds might be justified because of this, at least in their heads.  Alternatively, one might think that the continued existence of such organizations and the systems which make them successful is a force for human misery, and therefore work to lessen their impact and/or ultimately destroy them.   I think it is interesting that most people would find the punitive/retributive motive for behavior to be childish, destructive, and immoral in these terms. Despite this they will happily apply it to individual humans who misbehave. It is puzzling and frustrating to me that people, in moments of anger and grief when these observations are MOST important, will not see this even when it is presented to them plainly. I chalk it up to the dominance of emotion over reason."


Mostly these are results of arguments between shareholders. These suits come when shareholders alleged that directors didn't act in their best interests. Unless its a class action suit, I'd say there's no ramifications for an average shareholder.


> Turns out inside updates via the SIP are received faster than the prop market data feed, and faster than updates received over an order entry connection. Under these circumstances the street knows a trade occurred before the participants in the trade.  You're saying if IEX is the inside quote you see it disappear on a sip feed before you see it disappear from iex's MD feed? AND if it's your quote, even before you receive the trade report?


The portfolio manager at Value Research Online does this very nicely. It tracks the underlying holdings of each fund, yielding correct calculations for funds that invest across the board. Take a look at the screenshot from my account:  If you have direct equity holdings (e.g., not through a mutual fund), that too gets integrated. Per stock details are also visible.


Bezos is a fucking hypocrite. GODS I hate him!  The man who patented one-click ordering. The man who patented affiliate programs. The man who, only two months ago, hired a pile of patent sharks. The man who has been exploiting the patent system while simultaneously decrying it since his company got off the ground.  Hey Jeff, we get it--you want patent law reform to give you more money and power. Well fuck off.


Thanks for answering!  So given that the HR recruiters wouldn't know much about the role in-depth, what would be the best way to make some sort of impression on them, and what sorts of questions should I be asking if not technical ones?


I absolutely agree that it's impossible for either company to prove these allegations. However, I think they should both 1) stop doing this if the allegations are true and 2) stop making it public.  Seems to me they should be working together, at least for now, to form a united front against the taxi lobby.


Aside from what everyone else has said about your money (saving, investing, etc.), I'd like to comment on what else you could spend it on: Spend it all on small/stupid things   that, while stupid, would make me   happier. For example take taxis more   often, eat often in nice restaurants,   buy designer clothes, etc. I'll be   young only one time. You could also put the money towards something more... productive?  Like a home project.  Convert a room in your living space into an office or a theater-like room.  Install hardwood floors yourself.  Renovate a bathroom.  Plant a garden of things you would enjoy eating later.  Something that you would enjoy having or doing and can look back at and be proud of putting your money towards something that you accomplished.


"I don't understand what the D, to the right of APPLE INC, means. This means the graph below is for the ""D"". There is selection at top and you can change this to Minutes [5,20,60,etc], Day, Week [W], Month [M] I'm not understanding how it can say BATS when in actuality AAPL is listed on the NASDAQ. Do all exchanges have info on every stock even from other exchanges and just give them to end-users at a delayed rate? BATS is an exchange. A stock can be listed on multiple exchange. I am not sure if AAPL is also listed on BATS. However looks like BATS has agreement with major stock exchanges to trade their data and supplies this to trading.com"


Bank have their own Capital, Deposits from Depositors and lend money to Borrowers.   In a liquidity problem, it is typically that either the Borrowers are taking time to repay [they are not yet defaulters] or there is more pressure on withdrawals from Depositors or there is a short term of mismatch between deposits and loans ... in all these valid scenarios FED does lend out the banks to met these short terms obligations.   Banks fail when the losses are actually booked in comparison to the overall Capital or loss would materialize ... for example the Mortgage crisis in US meant that quite a few Banks the actual loss had materialized or would have any ways materialized. In such situations the short term leading does not help and they would burn it out anyways as the borrowers are not paying back any time soon ...


No.  All of reddit tends to skew young, which comes with liberal politics (since they haven't had too much real world or work experience yet), and they're all snarky idiots who think they have everything figured out.


Both of these are futures contracts on the Ibovespa Brasil Sao Paulo Stock Exchange Index; the mini being exactly that, a mini version (or portion) of the regular futures contract. The mini counterpart makes trading the index more affordable to individual investors and hence increase liquidity.


A single fund that reflects the local currency would be an index fund in the country. Look for mutual funds which provide for investing on the local stock index. The fund managers would handle all the portfolio balancing for you.


"First off, your commitment to paying down debt and apparent strong relationship with your brother is admirable. However, I think you are overcomplicating your situation and potentially endangering your relationship by attempting to combine debts in this way. You could consider a simple example where you have interest bearing at 5% and your brother has interest bearing debt at 10%. If you both pay down his higher interest debt first, and then both pay down your debt after, then clearly you will have paid less interest combined. But, by waiting to pay off your debt until later, you have accrued more interest yourself. So who has saved money by doing this? Your brother. You will have paid (let's say, without getting into balances) $50 extra interest to save your brother $70 in interest. So why would you want to give your brother $50? Total interest savings between both of you in this simplified example are $20. So, in theory your brother could pay you $60 after the fact, effectively meaning you end up $10 ahead, and your brother ends up $10 ahead. Here, you end up in a position where you could still say, in theory 'we both came out ahead'. But what if your brother loses his job while you're both paying off your debt, and he can't help any more? Does he accrue some type of calculated interest until he pays you back? What if he's off work for 2 years and still owes you 30k? What if he just never makes his payments to you on time? At what point do you resent your brother for failing to uphold his end of the deal? Money and friends don't mix. Money and family mixes even worse. In rare circumstances where you absolutely must mix family and money, get everything in writing. Get it signed, make it legal. Outline all details of the transaction, including interest rates, and examples of how the balances calculate. In 5 years when things go haywire, following the letter of the law is what will keep you from becoming enemies. But with family, often people have an expectation that ""while we agreed I would pay x, he's my brother, so he should take pity on me and allow me to pay only y, if I need to"". Finally, to your question about how to calculate amounts to pay: it will be very complicated. You will need to track minimum balance payments, interest rates, and even potentially the lost income which one of you gives up to pay down the other's debt. You could do these things in a simplified way close to what I've set out above, but then ultimately one of you will lose out. If you pay down your debts first, how can you calculate the lost living potential for your brother, who might want to buy a house but can't save for a down payment for an extra year? What if he has to move, and without sufficient down payment, he needs to pay extra Mortgage Insurance on his loan from the bank? Will you compensate him for that? My recommendation, if you haven't caught it yet, is Do not do this. Your potential savings are not going to be worth the potential heartache of breaking your relationship with your brother.  Instead, look at joining your minds, not your money. Set goals for yourselves individually, and hold each other accountable. Make this an open conversation between yourselves, as it can be difficult to talk about finances with other people. Your support will help the other person, and hopefully help keep you on track as well. To provide numerical context for potential savings, which you appear to still want, consider the numbers you've provided [you have 40k debt at 10%, your brother has 20k of debt at 5%]. Let's assume you each can pay up to 20k against the principal of your loans each year. Finally assume for simplicity that you also have enough to pay off interest as it gets charged [so no compounding], and you pay in even instalments each year. Mathematically that means your interest each year is equal to your interest rate * your average annual balance. If you each go alone, then you will accrue 10% on an average balance of [(40k+20k)/2] = 30k per year, which equals 3,000 in interest in year 1, then [(20k+0)/2] = 10k * .10 = 1,000 interest in year 2. Total interest for you = 4,000. Your brother will accrue [(20k+0k)/2] = 10k * .05 = 500 in interest in total. Total interest for both of you combined would be 4,500. If you pool your debt snowball, then you will clear your debt first. So the interest on your debt would be [(40k+0k)/2] = 20k * .1 = 2,000. Your brother's debt would fully accrue 5% of interest on the full balance in year 1, so interest in year 1 would be 20k * .05 = 1,000. In year 2, your brother's debt would be cleared half way through the year; interest charged would be [(20k+0k)/2] = 10k * .05 * 50% = 250. You would then owe your brother 10k, which you would pay him over the remainder of year 2. His total interest paid to the bank would be 1,000 + 250 = 1,250. Total interest for both of you combined would be 3,250.  In a simplified payment example using your numbers, maximum interest savings would be about $1,250 combined. How you allocate those savings would be pretty subjective; assuming a 50:50 split, this yields $625 in savings to each of you. If you aren't able to each save 20k per year, then savings would be greater for snowballing, because otherwise it will take you even longer to pay off your high interest debt. This is similar to your brother loaning you 20k today that you can use to pay off your debts, after which you pay him back so he can pay off his. Because you will owe him 20k for 2 years, but an average of ~10k at any one time [because he slowly advances it to you today, and you slowly pay him back until the end of year 2], at $650 in benefit passed to your brother, this is roughly equivalent to him loaning you money at 6.5% interest."


An emergency fund is about managing risk. What would you do if your furnace, water heater, and cars all broke down at the same time? Being in Michigan, I can imagine that you wouldn't want to take cold showers, heat the entire house by wood fire, and walk to work every day. So how do you manage this risk? What would happen if you lost your job and couldn't find one for a few months? By only having $5k in the bank in an emergency fund, you are putting your family at risk. If these sorts of things happened, you would be in trouble. You would have to borrow money either hurting equity in the home that you have worked hard to build up, or by some other means. You and your spouse should sit down and decide what a good emergency fund looks like for your family. A reserve of 3-6 months of expenses is a good emergency fund. This could cover your family in the event of a lost job while you look for a new one. It would also cover you when Murphy strikes and things break down all at the same time. Once you and your spouse have determined how much you want to set aside, you two must determine how you will get there. Maybe you put in some extra hours at work, maybe you lower the retirement contributions temporarily, maybe you try to pay off the car as quickly as possible then put what you were paying on the car into the emergency fund. It will likely take a mix of things to get you there. You don't have to get it done in a day, a month, or even a year. But once you have that emergency fund fully funded, you will feel better. What may be a catastrophe now will be a minor annoyance with a fully funded emergency fund. Finally, I'd recommend going to your bank and setting up a separate account for this emergency fund. A separate account specifically labeled as your emergency fund. This way you will think twice before spending it on a non-emergency.


>A 2012 study by the Federal Trade Commission found that about 20 percent of consumers who were asked to review their reports discovered an error that was fixed after they disputed it, and more than 10 percent found an error significant enough to affect their credit score. Monitoring also alerts you if an application has been placed for a new account in your name.  >Equifax, Experian, and TransUnion have turned monitoring into a business, charging as much as $25 a month for “premium” services that include reports from all three companies.  In other words, pay us protection money because we're bad at our jobs and your reputation is suffering as a result of our sloppy work.


Choose one:  1. Fight war with Russia  2. Fight war with North Korea  3. Battle of the sexes  4. Fully investigate Jeffrey Epstein  ...depending on who you are, it would be better for some topics to stay in the newscycle than others.


Each goes to a different agency. Yes, it is normal that the lender queries more than one agency.


What can you give them as security?  1. A fixed/floating charge over assets 2. Negative covenants/Non-subordination agreements 3. Real Mortgage 4. Chattel Mortgage 5. Personal or inter-business Guarantees  Essentially a bond is just a debt agreement, it is when you sell standardised bonds over a market that regulation comes into it.  Now I am from Australia, so I can't comment on US policies etc...


Yes, I'd say you do. This is similar to reporting a brokerage account. Also, don't forget the requirements for form 8938.


not really one to argue semantics, retail stores are closing by the dozen these days as Amazon looks to purchase brick and motor locations like Sears and Whole Foods.. A few choices today, talk to me in 10 years.. You may be to young, I don't know but the same was said about Verizon early on and now it pretty much controls communications, Amazon is on the same highway, very soon they will control the majority of retail..


"I highly recommend you read the ""related"" posted linked to the right.  Once you have the loan a year, in good standing, and have paid the mortgage to 80% LTV, you can request removal of PMI. But the bank can charge you for an appraisal, and if the house dropped even a few percent in value, you might need to put up more money."


Oh woohooo . . .and its all a great investment AAA . .you have to buy  and when we do . .it goes straight down  because we find the biggest seller was Morgan and Stanley  Yah. . .we know that game really well now . .always buy the good news  Build some fucking public toilets


/u/tyby linked to AVE's [teardown](https://www.youtube.com/watch?v=_Cp-BGQfpHQ).  This thing is built on the printer and ink / game console model.  Those $400 machines probably cost more than that to make.  It's as if Keurig only sold commercial machines, at a loss, while requiring a $2,000+ per year subscription.  The idea of K-cups for juice is fine.  Writing the manufacturing people and engineers close to a blank check is not fine.


India Direct Marketing Association is a public limited company which is engaged in different kind of direct marketing activities. They strive for sharing knowledge as well as networking of direct marketing industry professionals. They help and assist prospective marketing companies which are into direct selling. It is a recognized and professional body in the marketing industry.


We have the team of experts with the expertise and knowledge in the community title laws. So the Body corporate solicitor Brisbane will provide assistance to corporations, managers, and developers regarding their legal requirements. Our experts will provide you the best advice regarding the body corporate application and interpretation. At Body corporate solicitor Brisbane we function according to the modules of the Body Corporate and Community Management Act. In the least amount of time, we will resolve every issue that your body corporate is dealing with so that you can progress. For more information, you can visit our website at: https://www.interspire.com/forum/member.php?u=477122


Ramsay was a chef -- and a damned good one -- long before he was a celebrity.   The article lists principles that perhaps you, the all-wise, never-erring god of finance have no problem remembering or mastering. For others, however, perhaps people new to business, or accustomed to failing, it is an eye-opening and compelling read, made more interesting because of its comparisons to a popular celebrity known for his successes and a military organization that doesn't now how to fail.


It is obviously better to settle a little issue of AC now than to hold up and let it develop into a more concerning issue later. Additionally, holding up and proceeding to run the unit can expand your electric bills and even make perilous circumstances.


Eh, the violent carjacking attempt on Dad, the neighbor's cars getting their rims stolen three different times in one year, and then their car itself getting stolen and stripped, the phone call from Detroit about an old fluorescent shop light someone stole from our house because they could, the hooker squads we used to sit on the porch and watch...  Y'know, list goes on and on, but I think you're right.


What happens when people move away or lose interest? If it's not profitable you'll be depending on people to continue to make payments for upkeep etc. It's not outside the realm of possibility that you could start a swimming club that could sustain itself with membership dues, but most amenities used by clubs near where I am were built and are owned by the municipalities, and the clubs come and go like the seasons.


Well their money is in the company so it does matter to them. If I give a company $20k and see them blow through cash, throwing money at anything that seems like a business model, I'm going to get very concerned. You have the same issues at a private company, it's just that your shareholders are more heavily invested.


"Unquestionably I think the priority should be funding retirement through ROTH/IRA/401K over HSA extra.  Obviously you need to fund your HSA for reasonable and expected medical expenses.  Also there is some floor to your more traditional retirement funding. Beyond that what does one do with excess dollars?  Given the lack of flexibility and fees, it seems clear to do ROTH IRA and 401K. Beyond that what then?  You may want to decide to ""take some money home"" and pay taxes on it.  Do you have a desire to own rental property or start/purchase a business?  Upgrade your home? etc... If all those things are taken care of, only then would I put money into an HSA. YMMV but most people, maxing a ROTH IRA alone, will have plenty of money for retirement given a reasonable rate of return."


People said the same thing when Priuses came out.  Consumer Reports did a test after 200k miles and found basically no degredation:  http://autos.aol.com/article/toyota-prius-reliability/  The chemistry and pack usage characteristics, plus addition of dedicated cooling systems, make comparisons to cell phone batteries completely invalid.


Um bad behavior? Are you a school marm? I made a decision and will pay my way out of it, but maybe someone out there wouldn’t mind helping some random person- like me- out. Someone who doesn’t use credit, ever, except for in this scenario. If you’re not gonna read the post and are just looking for someone to talk down to, I can’t take your opinion seriously, because you’re obviously just a prick. Thanks for quoting that data, you’re a lifesaver!


"It's helpful to remember that Charles Ponzi started with a legitimate arbitrage (international postal remittances).  Once purveyors of arbitrage reach a certain scale, there's a natural tendency to become lazy and just forgo the arbitrage and just use new investor money to pay off previous investors.  Banks wouldn't be any different if it weren't for central banks and government participation.  Indeed, the primary reason that the FedResInk came into existence is **because** of ponzi-like bank failures (bankers call them ""a run on the bank"").  Neoclassical economics is about using the synthesis of state sovereignty and central bank monetary theory to keep the system they've developed intact.  ...and, as fun as it might be to sit back and calculate just how much debt can be created from a life-time of labor proceeds (a couple million for the average person-- completely hypothetical back of the envelope inflation excluded, 4.5x10^14, which is still in middle of the trillions), it would be wise to keep in mind that the last banking crisis, while fundamentally caused by the inability to collect future labor proceeds, was precipitated, not by individuals, but by repurchase agreements propping up extremely leveraged positions made by and between massive investment banks.  So, the thing to remember is that fractional reserve debt issuance banking is like a 10 to 1 transistor that has a fundamental tolerance requirement on the source signal, but that when the source signal fades, it can draw from the surplus signal created by the 10 to 1 amplification (up to a certain point and then the transistor goes up in a puff of smoke)."


The wealth of experience that is available at Sommer & Engelhart Attorneys at Law allows them to be prepared for virtually any case. Indeed, the senior partners have over sixty years of experience in the industry. The Fairfield, New Jersey, firm serves a clientele based in and around Essex County.


Try to buy an airline ticket, rent a hotel room, or rent a car without a credit card. Doable? Perhaps. Easy? Nope. With a debit card, you run the risk of a hotel reserving more than your stay's cost for room service, parking, etc and potentially having a domino effect if other payments bounce.  We just spent 3 nights in NYC, room was just over $1000. Do I really want to carry that much cash?


I was clarifying a point someone else made. I don't take any ownership of the claim, however none of what I said is particularly far fetched, especially considering [Wal-Mart has a net income of close to $16,000,000,000 annually](http://finance.yahoo.com/q/is?s=WMT+Income+Statement&annual)  Also, I didn't say that the job *deserves* higher pay. In addition, there's no reason I can see why a pay increase would result in Wal-Mart laying off 30-50% of its workforce. They either need the manpower to operate the stores or they don't, and that financial statement would indicate that they could absorb a slight increase in overhead.  Sorry for the way you were treated there, particularly the 39hr55min a week part. I don't know the ins and outs of Wal-Mart's policies, but I'm guessing this was a way to circumvent a policy that grants certain benefits to 40/hr week workers?


"I worked for a major retailer that offered such extended warranties.  Our profit margin on these ""product protection plans"" was ~80%.  That should tell you something about how much they are ""worth"" to the consumer."


It will reduce the credit ding you will take but why does it matter?  Next cycle when it's paid off your credit score will go back to where it was.  Unless you're looking for a loan right now and your credit is marginal why worry about it?


This is true, but I also want to point out that this isn't just an average CEO, they had a documentary made about this guy since he was the very *definition* of American excess.   For those who are curious, [This](http://www.youtube.com/watch?v=bqDreqlPe98) is the documentary.


"This is the best tl;dr I could make, [original](http://www.cnbc.com/2017/06/28/chinas-debt-surpasses-300-percent-of-gdp-iif-says-raising-doubts-over-yellens-crisis-remarks.html) reduced by 69%. (I'm a bot) ***** > Casrten Brzeski, senior economist at ING said that &quot;High debt levels mean that the debt crisis has not been solved, yet. Neither in the US, nor in the Eurozone. Increasing debt levels in Asia and other emerging market economies also show that a structural change has not yet taken place.""  > According to the IIF, despite the fact that debt levels have slowed down in mature economies, emerging market debt rose 5 percentage points from a year ago.  > &quot;The household debt-to-GDP ratio hit an all-time high of over 45 percent in the first quarter of 2017 -well above the Emerging Market average of around 35 percent. In addition, our estimates based on monthly data on total social financing suggest that China&#039;s total debt surpassed 304 percent of GDP as of May 2017,&quot; the IIF noted.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6p6vug/chinas_debt_surpasses_300_percent_of_gdp_iif_says/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~174153 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*: **debt**^#1 **Bank**^#2 **market**^#3 **trillion**^#4 **levels**^#5"


I feel sort of conflicted here... literally every pair of shoes I own is a size 13, and they all fit perfectly.  Every pair of shoes I've owned for the past 15 years has been a size 13... I've seen nothing but consistency in this.  Is there a difference perhaps in womens sizing, or what gives?  My own life experiences just dont match what you're saying at all :/  At least as far as length goes... maybe everyones just varying levels of fat and its a width issue for them ¯\\\_(ツ)_/¯


The made with 100% chicken example is absolutely intended to deceive if it contains anything less than a few % off 100% chicken at the raw ingredients. I think you might be a bit too close to this industry to see the forest from the trees. A minimum of 50% chicken to be able to call it made with 100% chicken is such a low bar to hit that it's crazy. I might agree with you if the min was say 95% but it's not.


I think everyone assumes various segments of the market/economy are going to cool off at some point. The question isn't if it'll happen, but when, and how suddenly. I don't think it'll be that big of a deal if we see market corrections across stocks or real estate if they happen over the course of months, and if anything it'll be a relief to many. The trouble will be if it happens suddenly and 'violently,' as it did in 2007, causing bankruptcies, massive job losses and lasting damage. That probably depends more on whether or not this was an artificial bubble (caused by Fed policies, likely), like what caused the Great Recession, or if it's a more normal market cycles.


"4PM is the market close in NYC, so yes, time looks good.  If ""out of the money,"" they expire worthless.  If ""in the money,"" it depends on your broker's rules, they can exercise the option, and you'll need to have the money to cover on Monday or they can do an exercise/sell, in which case, you'd have two commissions but get your profit.  The broker will need to tell you their exact procedure, I don't believe it's universal."


"Its important to note that aggression, or better yet volatility, does not necessarily offer higher returns.  One can find funds that have a high beta (measure of volatility) and lower performance then stock funds with a lower beta.   Additionally, to Micheal's point, better performance could be undone by higher fees.   Age is unimportant when deciding the acceptable volatility.  Its more important as to when the money is to be available.  If there might be an immediate need, or even less than a year, then stick to a savings account.  Five years, some volatility can be accepted, if 10 years or more seek to maximize rate of return. For example assume a person is near retirement age.  They are expected to have 50K per year expenses.  If they have 250K wrapped up in CDs and savings, and another 250K in some conservative investments, they can, and should, be ""aggressive"" with any remaining money.     On the contrary a person your age that is savings for a house intends to buy one in three years.  Savings for the down payment should be pretty darn conservative.   Something like 75% in savings accounts, and maybe 25% in some conservative investments.  As the time to buy approaches they can pull the money out of the conservative investments at a optimal time. Also you should not be investing without an emergency fund in place.  Get that done first, then look to invest. If your friend does not understand these basic concepts there is no point in paying for his advice."


كان متوسط الوقت الذي يستغرقه الزوجان الصحيان لتصور الطفل لغزا. الى الآن. وقد وجد العلماء أن هذا الرقم هو بالضبط خمسة أشهر وأسبوعين. في حين أن هناك بعض المخاطر في الحمل لفترات طويلة، فإن معظم الأطفال الراحلين يولدون صحية. ثم، ماهي اسباب تاخر الحمل يمكن لمقدم الرعاية الصحية الخاص بك إجراء اختبارات خاصة للتحقق من صحة طفلك. الحفاظ على مراقبة عن كثب على صحة الطفل سوف تساعد على زيادة فرص نتائج جيدة. العديد من النساء أكثر من 40 أسبوعا ليس لديهم بالفعل فترة الحمل الطويلة. وبدلا من ذلك، لم يحسب تاريخ استحقاقها المحتمل بشكل صحيح. بعد كل شيء، تاريخ الاستحقاق المتوقع ليس دقيقا، بل هو تقدير تقريبي.


It sounds like you plan to sell sooner or later. If your opinion is that there is still room for the housing market to grow, make your bet and sell later. The real estate market is much less liquid than other markets you might be invested in, so if you do end up seeing trouble (another housing crash) you may be stuck with your investment for longer than you hoped. I see more risk renting the house out, but I don't see significantly more reward. If you are comfortable with the risk, by all means proceed with your plan to rent.  My opinion is contrary to many others here who think real estate investments are more desirable because the returns are less abstract (you can collect the rent directly from your tenants) but all investments are fraught with their own risks. If you like putting in a little sweat equity (doing your own repairs when things break at your rental) renting may be a good match for you. I prefer investments that don't require as much attention, and index funds certainly fit that bill for me.


Ma Bell was monopolistic because they controlled the pipes; there could realistically, be no competition.  It's hard to call WalMart a monopoly as long as Target, Sears, KMart, Safeway, Amazon, etc etc all still exist.    Just because you dislike a model, does not make it a monopoly.


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Bank-to-Bank wire transfer would be the best option. Dollar is going up nowadays, so if he brought the money not so long ago he might even earn the cost of the transfers back through the difference of the exchange rates. Re the IRS - they don't care. Same goes to the Israeli Tax Authority. What you and your friend need to show, if asked, is the paper trail. I.e.: if he brought you the $10K in cash - that may be an issue unless he kept all the receipts for getting it. But for such a low amount you can always resort to claiming it is a gift from you, in this case.


Partnerships don’t work out unless you clearly define the roles and relationships, hence why most partnerships fail (I usually cringe when I hear partnerships). Also a background check never hurts (think citizenship ID cards). Having a good lawyer helps as well.  I think demonizing an entire country/ethnicity for the failure of your partnership is misguided, but that’s usually how our thinking defaults to when we’re stressed like this. Being emotional is not a trait of good business acumen. Would it make you feel better if you were being lied to by Brits,Indians,Israelis,Nigerians,etc?   You having lived in China for over 10 years should have taught you that there is a get rich quick mentality over there. Hopefully you didn’t put too much money into this venture. I would definitely look into what they are doing in China. Are they break any laws over there? Is your business in compliance with import/export controls in China & US? Is this business relationship still salvageable or should you just walk away?  Most people are not cut out for starting their own business. You might also need to support your wife in the infant stages of this enterprise or hire someone as her assistant. Looks like you have A LOT of work/discussing/brainstorming/debating with your wife before you even get into it with the partners.


"You are correct to be wary. Car dealerships make money selling cars, and use many tactics and advertisements to entice you to come into their showroom. ""We are in desperate need of [insert your make, model, year and color]! We have several people who want that exact car you have! Come in and sell it to us and buy a new car at a great price! We'll give you so much money on your trade in!"" In reality, they play a shell game and have you focus on your monthly payment. By extending the loan to 4 or 5 years (or longer), they can make your monthly payment lower, sure, but the total amount paid is much higher. You're right: it's not in your best interest. Buy a car and drive it into the ground. Being free of car payments is a luxury!"


"This is an opinion, but I think it has more to do with the market's uncertainty about the long-term future of the company without Steve Jobs.  Apple hasn't released anything more than incremental upgrades to its existing product lines since Jobs passed, and while some people would argue about the Apple watch, Jobs played a significant role in its development prior to his death, so that doesn't really count. Whether you like or hate Apple, you had to admire Jobs' passion and creativity, and there's real question as to whether the company can sustain its dominance in the market without the Jobs vision over the long haul.  My guess is that the market is leaning slightly toward the ""no"" column, but only ever so slightly.  The company continues to deliver fantastic results, but how long will that last of their next products don't wow consumers the way previous ones have?  This skepticism manifests itself in a stock that trades at a lower P/E than it deserves to, but this is just my opinion.   I hope this helps. Good luck!"


The main culprit is not fast food.  It is our culture surrounding diet.  All of the bad food and huge portions are because we lack a healthy eating culture.  These restaurants are just giving the people what they want.


America has the highest corporate taxes in the world.  Moving your business out of the US is a smart decision that will likely end in benefits to the customer...IE lower prices.  But sure, if you want companies to stay in the US and customers to pay higher prices to compensate for those higher taxes...


The rounding should always follow the same rule. If the value ends in .01 or .02 then you round to .00. Doesn't matter if it's 10.01 rounding to 10.00 or 0.01 to 0.00. The decision on what a company wants to do if an invoice total is $0.01 or $0.02 would be up to the company. The POS system should follow the rule and round to $0.00 if the method of payment is cash, but the company has the right to not give things away for free.  They can impose a minimum cash invoice amount of $0.05. But you would do this by requiring the customer to add more items to their purchase. You couldn't just round the invoice up to $0.05 and to charge them $0.05 for a $0.01 item It would be similar to companies having a minimum purchase amount when paying by credit card. If their minimum amount is $10.00 and you want to buy something that's $5.00, you either pay cash or add something to your order. They don't just charge you $10.00 for your $5.00 item. I think this would be a extreme edge case where you have an invoice with a total of $0.01 or $0.02, without any discounts, partial payments, etc. If the customer's total was $10.01 and they paid with a $10.00 gift card, the final amount owing of $0.01 would round down to $0.00 and they wouldn't owe any more. If they had paid cash, the total would have rounded to $10.00 anyway.  Similarly, if the customer returned an item and bought a new item, or used coupons, and the total owing was $0.01 or $0.02, then you would round down to $0.00 and they wouldn't pay anything. As BobbyScon said, you can implement some options to allow the company to decide how they want to handle this. You could have an option that doesn't allow a sale to be processed if the total amount is less than $0.03 and the sale doesn't include any discounts, returned items, coupons, etc. The option could be to completely block the sale, require a supervisor override, or just display a warning to the cashier. Best bet is to talk to as many of your current or potential clients as you can to see how they would like this edge case handled. For many, it's probably a mute case since they wouldn't have items that have a unit price less than $0.03. Maybe a place like a hardware store that sells individual nuts, bolts, and washers.


Basically do some math on the 2 schools. Let's say you know it will take 4 years if you go the cheaper route, at $8k/yr, plus the $300/month, total cost: $46,400. If you (for these purposes) do not have to pay back new loans until school is completed, (and depending on the rate of those loans), you would need approx $6k/yr in loans, plus the same costs ($300/month + $8k/yr to cover the other part of tuition). Let's say the expensive school takes 3 years to complete, which means you're out of pocket $34,800 and in debt an additional $18,000, totaling $52,800. This means that to make the 2nd school worth it (assuming your rates don't kill you, etc) you should have an increased earning potential of at least $6,400/yr after you get your degree. If you can finish in 2 years, your costs are: $23,200 + $12k, and you don't even have to change your earning potential to come out ahead. Other factors to consider are: If you aren't following any of the math, or want to post more information, just comment back to me, and I'll try to explain further. Best of luck!


If the Democrats controlled the House the legislation would be equally as crony, bullshit, and corrupt. We just went through the entire ordeal in preventing SOPA from passing, which had explicit support from Democrats. So don't tell me  with a straight face that the parties are any different.   Obama is no different than Romney, the only issue is that Romney is in election mode and Obama has a Congress unwilling to pass any of his laws. If the situation was reversed (Rep white house, Dem congress) it would be equally as fucked up.


Here is how your CEO has to see it. Of course, eventually most revenues are generated by IT systems but technically IT still is an expense only activity unless of course you are selling the software/services offered by it. According to the US GAAP, software development costs are capitalized when a firm develops a software for its own use (e.g., nice shiny UI show bank's VaR, algorithmic trading engines, internal security infrastructure etc.).  When the software is developed for sale, all the costs are expensed as incurred until the technical feasibility is established after which the costs are capitalized. The income is realized when licenses to use the software or the services provided by it are sold. According to international standards, the treatment for both the use cases shown above is the same --all the costs are expensed as incurred until the technical feasibility is established after which the costs are capitalized. The income is realized when licenses to use the software or the services provided by it are sold.


Your original example is a little confusing because just shorting for 1k and buying for 1k is 100% leveraged or an infinitive leverage ratio. (and not allowed) Brokerage houses would require you to invest some capital in the trade.  One example might be requiring you to hold $100 in the brokerage.  This is where the 10:1 ratio comes from. (1000/10) Thus a return of 4.5% on the 1000k bond and no movement on the short position would net you $45 and voila a 45% return on your $100 investment. A 40 to 1 leverage ratio would mean that you would only have to invest $25 to make this trade.  Something that no individual investor are allowed to do, but for some reason some financial firms have been able to.


"IRA is not always an option. There are income limits for IRA, that leave many employees (those with the higher salaries, but not exactly the ""riches"") out of it. Same for Roth IRA, though the MAGI limits are much higher. Also, the contribution limits on IRA are more than three times less than those on 401K (5K vs 16.5K). Per IRS Publication 590 (page 12) the income limit (AGI) goes away if the employer doesn't provide a 401(k) or similar plan (not if you don't participate, but if the employer doesn't provide). But deduction limits don't change, it's up to $5K (or 100% of the compensation, the lesser) even if you're not covered by the employers' pension plan. Employers are allowed to match the employees' 401K contributions, and this comes on top of the limits (i.e.: with the employers' matching, the employees can save more for their retirement and still have the tax benefits). That's the law. The companies offer the option of 401K because it allows employee retention (I would not work for a company without 401K), and it is part of the overall benefit package - it's an expense for the employer (including the matching). Why would the employer offer matching instead of a raise? Not all employers do. My current employer, for example, pays above average salaries, but doesn't offer 401K match. Some companies have very tight control over the 401K accounts, and until not so long ago were allowed to force employees to invest their retirement savings in the company (see the Enron affair). It is no longer an option, but by now 401K is a standard in some industries, and employers cannot allow themselves not to offer it (see my position above)."


I think something you might want to look at is a service called Dwolla. They charge $0.25 per transaction, and are free for transactions under $10.


"If you aren't already contributing the maximum allowable amount, by all means do so. If you are already contributing the maximum, it doesn't matter that much when you make those contributions. Making fixed monthly contributions is done mostly for budgeting reasons. Most of us can't predict fund performance well enough to optimize our contributions (by which I mean, contributing more early if you think the market is going up, but waiting if you think it will go down, following the ""buy low"" strategy). As for employer matching, check with your company to see how they compute matches. They may match contributions for the year, even if those matching funds are only paid up to a maximum per paycheck. (For example, if you contribute 200% of the match for the first 6 months, then contribute nothing for the remaining 6 months, you may still receive the same matching funds per pay period as if you were contributing 100% throughout the year.)"


What do you actually know about their methodology?  Do you have the raw data?  Do you know how they selected the sample?  Did they discover perfect random?  I would guess not. So that probably would mean 100 isnt correct in this context. Not that I doubt this study follows stats best practices perfectly or that the people running a study on employees about a company of a very wealthy individual would be objective/completely without ulterior motive and from some source I dont even actually know the full background of the people who made it but...  I'm non-partisan. I would also just ask, how did that election turn out again with the numerous polls and other research of 1000+, repeatedly at different times over a campaign that seemed to have been like 2+ years long?  Further I dont even know why we are talking about a study of 100 when theres glassdoor with more than 10,000 reviews though it isnt normalized or in an actual study format. The thing to note is that if you compare the types of employees to another tech company like lets say Google/Alphabet or Facebook you have a different distribution in the type of people recruited and that might effect their experience. Amazon does a lot of retail, support and call centers as compared to a lot of engineers with a more educated background. Both are people but theres definitely a difference in the type of person as well as their temperament you get if you go to lets say an urban wal-mart as compared to an Alphabet or Facebook engineer. Have to compare apples to apples and as far as this study goes I dont even know how they like them apples.


"> Canyonaros   Eh, not really at all. When I was a kid everyone was buying Suburbans, Navigators, Explorers, Durangos, Sequoias. Big body on frame SUV's that got 15mpg combined.   Most of the stuff selling nowadays is Pilots, RAV4's, CRV's, Sorentos, Compass or other FWD CUV's. They're not the pinnacle of gas mileage efficiency but most will get a full 10mpg higher than the monster SUV's of the 90's/2000's.   Bracing for incomming ""my mega-sized SUV always got 25mph always even when towing my trailer, bass boat and with 10 passengers inside"" and ""these modern crossover crapboxes don't get the mileage they say they do"".   Sorry, your V10 Navigator doesn't get better mileage than a 4cylinder Civic with a 6 inch taller roofline."


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"Not sure about specific French laws. Assuming its not a political party receiving such donations, and it an normal individual ... General common sense answer would be; but it could very well be a generous donation from someone in the Caimans or Germany The onus would be on you to prove it is a generous donation. What is the threshold between ""this money looks like money-laundering"" and ""this money looks like a generous donation""? There is no threshold. By default if you don't know the source; it is money-laundering.  In particular: is it up to me to explain where the money comes from, or is it the sender's problem?  You have to explain the source of money.  That the Bank in Germany may have to do its own due-diligence is separate from your having to explain the source of funds."


Note: I am in the UK. I don't know specifically about australia but I expect the general principles will be much the same everywhere. What banks want is to be reasonablly confident that you have a steady income stream that will continue to pay the mortgate until it completes.  In general employed are fairly easy to assess. Most employed people will have a steady basic pay that increases through their career. Payslips will usually seperate-out basic pay, overtime and bonuses. There is little opertunity to cook the books. The self-employed are harder to assess. Income can be bursty and there are far more opertunities for cooking the books to make it look like you are earning more than you really are. So banks are likely to be far more careful about lending to the self-employed, they will likely want to see multiple years of buisness records so that any bursts, whether natural due to the ebbs and flows of buisness or deliberatly created to cook the books average out and they can see the overall pattern. A large deposit will help because it reduces the risk to the bank in the event of a default. Similarly not being anywhere near your limit of affordability will help.


"Some thoughts on your questions in order, Duration: You might want to look at the longest-dated option (often a ""LEAP""), for a couple reasons. One is that transaction costs (spread plus commission, especially spread) are killer on options, so a longer option means fewer transactions, since you don't have to keep rolling the option. Two is that any fundamentals-based views on stocks might tend to require 3-5 years to (relatively) reliably work out, so if you're a fundamental investor, a 3-6 month option isn't great. Over 3-6 months, momentum, short-term news, short squeezes, etc. can often dominate fundamentals in determining the price. One exception is if you just want to hedge a short-term event, such as a pending announcement on drug approval or something, and then you would buy the shortest option that still expires after the event; but options are usually super-expensive when they span an event like this. Strike: Strike price on a long option can be thought of as a tradeoff between the max loss and minimizing ""insurance costs."" That is, if you buy a deeply in-the-money put or call, the time value will be minimal and thus you aren't paying so much for ""insurance,"" but you may have 1/3 or 1/2 of the value of the underlying tied up in the option and subject to loss. If you buy a put or call ""at the money,"" then you might have only say 10% of the value of the underlying tied up in the option and subject to loss, but almost the whole 10% may be time value (insurance cost), so you are losing 10% if the underlying stock price stays flat. I think of the deep in-the-money options as similar to buying stocks on margin (but the ""implied"" interest costs may be less than consumer margin borrowing rates, and for long options you can't get a margin call). The at-the-money options are more like buying insurance, and it's expensive. The commissions and spreads add significant cost, on top of the natural time value cost of the option. The annual costs would generally exceed the long-run average return on a diversified stock fund, which is daunting. Undervalued/overvalued options, pt. 1: First thing is to be sure the options prices on a given underlying make sense at all; there are things that ""should"" hold, for example a synthetic long or short should match up to an actual long or short. These kinds of rules can break, for example on LinkedIn (LNKD) after its IPO, when shorting was not permitted, the synthetic long was quite a bit cheaper than a real long. Usually though this happens because the arbitrage is not practical. For example on LNKD, the shares to short weren't really available, so people doing synthetic shorts with options were driving up the price of the synthetic short and down the price of the synthetic long. If you did actually want to be long the stock, then the synthetic long was a great deal. However, a riskless arbitrage (buy synthetic long, short the stock) was not possible, and that's why the prices were messed up. Another basic relationship that should hold is put-call parity: http://en.wikipedia.org/wiki/Put%E2%80%93call_parity Undervalued/overvalued options, pt. 2: Assuming the relationship to the underlying is sane (synthetic positions equivalent to actual positions) then the valuation of the option could focus on volatility. That is, the time value of the option implies the stock will move a certain amount. If the time value is high and you think the stock won't move much, you might short the option, while if the time value is low and you think the stock will move a lot, you might buy the option. You can get implied volatility from your broker perhaps, or Morningstar.com for example has a bunch of data on option prices and the implied components of the price model. I don't know how useful this really is though. The spreads on options are so wide that making money on predicting volatility better than the market is pretty darn hard. That is, the spread probably exceeds the amount of the mispricing. The price of the underlying is more important to the value of an option than the assumed volatility. How many contracts: Each contract is 100 shares, so you just match that up. If you want to hedge 100 shares, buy one contract. To get the notional value of the underlying multiply by 100. So say you buy a call for $30, and the stock is trading at $100, then you have a call on 100 shares which are currently priced at $10,000 and the option will cost $30*100=3,000. You are leveraged about 3 to 1. (This points to an issue with options for individual investors, which is that one contract is a pretty large notional value relative to most portfolios.)"


You can't be arrested or jailed in the UK for owing money (hasn't been true for about a hundred years). Unless it's a large unpaid fine or a tax bill, and probably not even then. Neither police nor immigration have any interest in who you owe money to.


> Is Intel (and Disney, etc) planning or already replacing American workers with H1B Visa foreigners? Yes or no?  > Is Trump already started and planned to stop the H1B Visa program to Make America Great? Yes or no?  > So who's the Nazi and/or/both enemy of the USA? Trump and me, or, Intel and you (defending Intel)?


when weed growing is decriminalized, i will not pay eighty dollars for a small sack of it, because now i will be able to go over to my friend billys house and he will give me a large sack of it for five bucks, which he now does anyways, but he only does this for his very good friends, cuz he doesnt want to go to prison and lose him home and his family and he tells me that he would rather live in his house rather than living in prison, lol..  the value of weed will drop thru the floor when i can grow it and not risk losing my freedom and my family and all of my assets, not to mention the criminal record that would prevent me from ever living a productive life ever again.  if i said that no person would pay for weed, that is not really what i meant to say....  i meant to say that there will be a lot of weed floating around and you wont need to pay $250.00 per ounce for it, but instead you will probably get an ounce of decent weed for $30.00  funny story, when i was in california there was a weed club that i used to go to, and they were at risk to lose their license to sell weed, and the country bumpkins that worked there put a sign up that basically said this:  DONT MAKE US QUIT SELLING WEED, LOL..  CUZ WE DONT REALLY LIKE SELLING CRACK,  BUT IF WE CANT SELL WEED, WE WOULD HAVE TO GO BACK TO SELLING CRACK.  i am not kidding, they put this sign up where all of the customers could see it.  i almost peed on myself when i read it.


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I am a realtor. For our rental business, we use a service that offers a background check. It costs us about $25, and it is passed along in the form of an application fee.  I suggest you contact a local real estate agent who you know does rentals. Have a conversation about what you are doing, and see if they will help process the application for you, for a fee of course. If you are truly concerned about your safety (The text you wrote can either read as true concern or sarcasm. Maybe we are really in a wild country?) It's worth even a couple hundred bucks to screen out a potential bad roommate.


Same thing happened to me in the express checkout lane recently. Her total was less than $20 - I can't imagine writing a check for such a small amount.   I get it, old habits die hard, and some people are adamant about tracking their finances manually and carbon copies make that pretty dang easy, but I wish more businesses would stop accepting checks to hurry their extinction along.


So quite obviously we control only parts of Kabul, I wonder when are we going to get to the Mining Minerals part.  I think it would far cheaper to invite Ghani to the White house and dig deep into his butt for valuable stuff behind the closed doors of the White house.  It would be a shame for the Orange carrot to leave the White house  virgin


Is that your business tact - resort to ad hominem attacks when you are simply out matched?   If I were OP I would stay very far away from any advice you give, you are clearly unstable.   It's ok if you are jealous.


What official actions has Trump taken to push the market?    It seems to me the market is responding to a belief that regulations won't be enforced or pared back and that maybe tax reform (e.g., tax cuts for the wealthy) may be enacted.    Meanwhile with the Muslim travel ban, states are losing billions of dollars of locally generated income because foreigners of all types are slowing travel.


A lack of experience and judgement would certainly describe your posts where you are concerned about Sears' employees.  They should get a job at Panera bread with very little lost in income. Problem solved.  The larger issue is the vaccum of higher paid jobs going overseas or companies milking the same old tired business models for less and less profit every year.


So let me get this straight....  The CEO of Sears did a deal with another company he runs, his hedge fund.  So he gives Sears a $200mil line of credit with a 9.75% interest rate.  So, the only winner here is Eddie.  Either he saves Sears with the line of credit (zero chance of that happening), or worst case, Sears fails and he still makes his 9.75% on the $200mil.  Somehow I have a feeling this debt is going to be the first to be paid by Sears each month...  This is basically a $20mil gift from a bleeding Sears to Eddie.


"Which is one reason why I don't sell stock until I need to. A couple months ago, my largest index fund investment dropped pretty hard, and I just said ""well, I'll just wait for it to come up again."""


As process based performance improvement professionals, we have come to terms with the fact that there is a long standing epidemic among organizations world-wide.  Almost all of the organizations that have attempted to reduce costs and improve quality, and failed are suffering from Not Invented Here Syndrome (NIHS), or even worse That Won’t Work Here Disease (aka, We’re Different/Special).   Identifying the symptoms is easy for an outsider however; the difficulty is accepting that you yourself may have been infected.


Simple math. Take the sale proceeds (after trade expenses) and divide by cost. Subtract 1, and this is your return. For example, buy at 80, sell at 100, 100/80 = 1.25, your return is 25%. To annualize this return, multiply by 365 over the days you were in that stock. If the above stock were held for 3 months, you would have an annualized return of 100%.  There's an alternative way to annualize, in the same example above take the days invested and dive into 365, here you get 4. I suggested that 25% x 4 = 100%. Others will ask why I don't say 1.25^4 = 2.44 so the return is 144%/yr. (in other words, compound the return, 1.25x1.25x...) A single day trade, noon to noon the next day returning just 1%, would multiply to 365% over a year, ignoring the fact there are about 250 trading days. But 1.01^365 is 37.78 or a 3678% return. For long periods, the compounding makes sense of course, the 8%/yr I hope to see should double my money in 9 years, not 12, but taking the short term trades and compounding creates odd results of little value.


"As a common shareholder, why would I want to approve an increase in the number of authorized shares?"" Because it could increase the value of your existing shares. Companies sell new shares to raise capital, and they use capital to (among other things) expand. If Whole Foods issues new shares and uses the capital to opens new stores, then profit could increase enough to offset the dilution effect, and your stock price will go up. You should ask yourself:  What areas is is your company of choice planning on expanding into? Will they do well there? Are there better ways for the company to raise capital (debt, cash in hand, cut expenses elsewhere, etc)? If you think that the management has a good plan for expanding, then authorizing new shares makes good sense for you personally."


Whole Foods will not get one cent of my money as long as they have homeopathic bullshit on the shelves next to actual medicine.    Pretending they're somehow ethical is nonsense.  They are simply exploiting consumers that don't realize they suffer from the naturalistic fallacy.


Using the following loan equations where  and With the balance b[n] in period n given by Applying the OP's figures Check & demonstration Switching to $96 payment every 10 days, with 365.2422 days per year  Paying $96 every 10 days saves $326.85 and pays the loan down 2.68 months quicker.


"You will need to set up accounts in your chart of accounts for each of the partners. These are equity accounts where you can track your contributions, share of the profits and losses, and distributions. You're going to have to go back into the beginning years to get this right. I'm not sure what you mean by a ""Built-in function"". All the accounting software I'm familiar with requires data entry of some kind. You need to post your contributions and distributions to the correct accounts, and close properly at year end. You were indeed legally considered a partnership as soon as you started a for-profit business venture together. It's a bug in the legal system that a written partnership agreement is not necessarily required - you can form a partnership unknowingly. (BTW, a partnership actually is pretty far off from a sole proprietorship, legally and taxwise - the change from one person to two is major. It's the change from two to three or four or more that's incremental ;) I know you said you didn't want to consult a professional, but I have to say that I think it's worth the money to get your books set up by someone who has experience and can show you how to do it. And get a separate bank account for the partnership, if you haven't done so already. And check with your state to see if there are any requirements regarding partnerships. Hope this helps, Mariette IRS Circular 230 Notice: Please note that any tax advice contained in this communication is not intended to be used, and cannot be used, by anyone to avoid penalties that may be imposed under federal tax law."


"All I can say, after reading your story, is that if your boss would truly be ""put in a difficult position"" if you quit, then she's in the position to have to pay you.  If the business cannot survive without an unpaid intern, you shouldn't be wasting your time there."


If the expense ratio of the fund is 0.00% then yes.  However, if the fund has expenses of 1% then if the NAV of the fund is $10/share the expenses would cause you to see only $.002 a share and thus you'd have $.10 in total as the expenses first cut down the yield.


"Regarding tax deferred retirement plans you said:  ""In fact, I would dare say that in most cases, people end up paying more in taxes, because they pay it as regular income rather than LTCG.""  And that's totally wrong.  Maybe you should re-read my post because I in no way agree with that.  The ordinary rate being higher than the LTCG rate was never in dispute.  That point isn't even relevant."


Рекламните рекламни продукти се използват главно за рекламни цели. Ако искате да повишите осведомеността за марката или да предоставите рекламни послания на потребителите си, тези продукти са един от най-рентабилните инструменти, които можете да изберете да използвате. Можете да изберете да ги разпространявате като freebie или да ги използвате като премия, за да увеличите лоялността към марката и да разширите клиентската си база рекламни сувенири. Целта е да се постигне благоприятна експозиция за бизнеса, да се свържете с потребителите и да спечелите доверието и лоялността им, Крайният резултат е да се подобри ефективността на бизнеса. Тези продукти обикновено се гледат на търговски панаири и изложби, където те се предоставят безплатно на обществеността като сувенир и в същото време нежно им напомнят за бизнеса.


"Apple's share of the US smartphone market is 34%. It is consistently #1 or 2 in most markets, shy of Asia that has super competitive smartphone options.   Apple is also sitting on stacks, and stacks, and yet more stacks of cash.  Believe me, I love Tesla and hope to see them do well. At this point they are riddled with debt, yet to turn a profit, have a paltry market share and are leveraging all of this yet again with another round of debt funding. Their entire business model is built on government subsidies.  Sorry, Tesla hasn't proven a damn thing in terms of establishing them as an automotive power and they have a LONG way to go. Neat ideas, pretty good execution, but seriously enough with saying we should just ""make new metrics"" for a company because they continually under-perform."


It's a great comparison for most random investors. Most people/institutions putting money into hedge funds are usually working on a different risk strategy, and also not likely putting all their money in one fund.   The same reason why we don't bench bond funds against the S&P is why it is not a good benchmark against hedge funds.


Yes I have. Most modern people would die within days of being dropped into a wilderness.  In historical hunter-gatherer societies, people receive extensive survival training during their childhood (just as modern children are trained to survive in a modern society). They learn to know where food where food can be found, what is good to eat, etc, etc...  If the environment is not one that easily supports survival (with training), then there tend to be fewer people there.


FedEx, at least, makes it a viable profit center.  We ship a lot, so we get around a 50% discount on freight.  Coupled with using our own freight insurance, we can charge a customer $100 to ship something that would cost them $300 if they used their own account, and still make money.


You are right. This is an oil and gas construction company. Honestly speaking, I have very little information concerning their procedures for hiring and interviewing candidates. The only thing I know is that they have a department of financial analysis and modeling. As you said, that lacks specifics. I would be more interested in development in corporate finance.


"This is a very complicated thing to try to do. There are many variables, and some will come down to personal taste and buying habits. First you need to look at each of the loans and find out two very important things.  Some times you pay a huge penalty for paying off a loan early. Usually this is on larger loans (like your mortgage) but it's not on heard of in car loans. If there is a penalty for early re-payment, then just pay off on the schedule, or at least take that penalty into consideration. Another dirty trick that some banks do is force you to pay ""the interest first"" when making a early payment.  Essentially this is a penalty that ensures you pay the ""full price"" of the loan and not a lessor amount because you borrowed for less time. The way it really works is complicated, but it's not usually to your benefit to pay these off early either. These usually show up on smaller loans, but better look for it anyway.  Next up on the list you need to look at your long term goals and buying habits. When are you going to re-model your kitchen. You can get another loan on the equity of the house, it's much harder to get a loan on the equity of a car (even once the car is paid off). So, depending on your goals you may do better to pay extra into your mortgage, then paying off your other loans early.  Also consider your credit score. A big part of it is amount of money remaining on credit lines/total credit lines. Paying of a loan will reduce your credit score (short term). It will also give you the ability to take out another loan (long term).   Finally, consider simplification of debtors. If something goes wrong it's much easier to work with a single debtor, then three separate debtors. This could mean moving your car loans into your mortgage, even if it's at a higher interest rate, should the need arise. Should you need to do that you will need the equity in your home.  Bonus Points: As others have stated, there are tax breaks for people with mortgages in some circumstances. You should consider those as well. Car loans usually require a different level of insurance. Make sure to count that as well. Taking these points into consideration, I would suggest, paying off the 2.54% car loan first, then putting the extra $419.61 into your mortgage to build up more equity, and leaving the 0% loan to run it's full course. You all ready ""paid for"" that loan, so might as well use it. Side note: If you can find a savings account or other investment platform with a decent enough interest rate, you would be better served putting the $419.61 there. A decent rate ROTH-IRA would work very nicely for this, as you would get tax deferment on that as well. Sadly it may be hard to find an account with a high enough interest rate to make it a more attractive option the paying off the mortgage early."


"Funny thing is I've sat in on conference calls where I've hear managers start the call saying the performance this month/year/week/day has not been as strong because they are ""waiting for the top down approach to pay off"" and then on the same call they praise their own 'bottom up approach that no one else uses'   I think the only thing you forgot to mention so far is 'smart beta'"


I hate this argument. Budweiser is one of the highest quality products ever produced. Every single one is exactly like every other one, worldwide, and for several decades. They pay shit tons of money to keep it that way too. They are the largest because that is what people want.  That said, it is a shit American pilsner brewed with rice adjuncts, and I despise it.


I'll speak for the person you replied to. You have the right answer (I've experienced enormous success doing exactly as you suggest), but you don't have all the inputs fully understood.  Depression kills people and steals futures. It's not the same thing as when your cell phone breaks or your parents die, as much as those suck too. It's far more serious and equally as difficult to understand without seeing it or experiencing it.  I hope this person can find a path forward. I'm one of the lucky ones, but it took a lot of hard work- the same type you are prescribing here.  Mental health is a jungle you have to fight your way out of. Some people assume the jungle never ends, others die of exposure. And those who do emerge aren't the same as when they went in. But that's ok. Life goes on, you find a way to adjust, the same way you might replace a broken cell phone. I'm gonna shut up now but there's a lot that needs to be understood on what is one of the largest health issues in the world.


Investment banks don't have to buy anything. If they don't think the stock is worth buying - they won't. If they think it is - others on the secondary market will probably think so too. Initial public offering is offering to the public - i.e.: theoretically anyone can participate and purchase stocks. The major investment firms are not buying the stocks for themselves - but for their clients who are participating in this IPO. I, for example, receive email notifications from my brokerage firm each time there's another IPO that they have access to, and I can ask the brokerage to buy stocks from the IPO on my behalf. When that happens - they don't buy the stocks themselves and then sell to me. No, what happens is that I buy a stock, through them, and they charge me a commission for the service. Usually IPO participation commissions are higher than regular trading commissions. Most of the time those who purchase stocks at IPO are institutional investors - i.e.: mutual funds, pension plans, investment banks for their managed accounts, etc. Retail investors would probably not participate in the IPO because of the costs, limited access (not all the brokerage firms have access to all the IPOs), and the uncertainty, and rather purchase the stocks later on a secondary market.


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Different exchanges sometimes offer different order types, and of course have different trading fees.  But once a trade is finished, it should not matter where it was executed.


"It's funny seeing people freak out about budget cuts.  ""dismantling our institutions"" lol.   The government shutdown a few years back.  In order for people to ""feel"" it, Obama shut down national parks and monuments.  Just so people would notice!  Believe it or not, we could do away with a lot of government organizations.  Issue is politicians propagandize people into thinking our core institutions are under threat if there are budget cuts."


How can you classify monarchy, empire or theocracy as even remotely meritocratic? That just makes no sense to me. Those things are pretty much the complete opposite of meritocracy.  If you want to elevate humanity, we need abundance. You're right to point out that we should aim to achieve a state where everyone can afford to take risks, but what you're describing is income mobility. You are suggesting that people who are willing to work hard and contribute to the world ought to be justly rewarded for their efforts, and I agree.


"This is the best tl;dr I could make, [original](http://reuters.com/article/idUSKBN18V0BM) reduced by 89%. (I'm a bot) ***** > Macron campaigned on a promise to &quot;Rebuild&quot; Europe through deeper integration of the euro zone, the 19-nation currency zone which ranks as one of the EU&#039;s biggest achievements but which critics say is still work in progress 18 years after its launch.  > SMALL STEPS. At the heart of Macron&#039;s plan for Europe is the creation of a euro zone finance minister who would oversee a pooled budget for investments and transfers intended to help euro zone members cushion downturns.  > &quot;When Britain leaves, 85 percent of the EU budget will be financed by members of the euro zone. You don&#039;t need an extra budget for the euro zone on top of that,&quot; he said.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6fnxv9/hurdles_to_francogerman_bargain_on_euro_zone_are/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~138002 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Macron**^#1 **zone**^#2 **euro**^#3 **Merkel**^#4 **Europe**^#5"


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This would be stupid; and I wonder about the journalist who wrote that, but Google is hardly stupid.  Google doesn't make money giving browsers away; Google makes money keeping you online as much as possible, creating the biggest possible mess of online data, private or public, so that you need them to search through it; in the process they get to know you best, and display the most relevant ads for you.  To keep you online, Google needs the online experience to be better than the desktop applications based experience. They need to push web technologies progress forward as hard and fast as possible.  To organize the web, they need data to be fairly open and standard. For instance, Facebook is completely closed, and although it contains amazingly valuable information, which Google could turn into truckloads of advertising money, they don't make a dime because they can't read it.  That's why Google subsidized Firefox, before getting a second life insurance with Chrome: if Microsoft, or Apple, or Facebook, ends up owning a browser with 90% market share, they define de facto web standards, and you can bet they'll define them in a way which neutralizes Google. Google vitally needs open browsers, and it needs them to be good enough to keep a critical market share. With this respect, it doesn't matter much whether it's Firefox or Chrome, it simply has to be neither MS' nor Apple's nor FB's.  Now Chrome has a big advantage compared to Firefox: Google decides exactly what goes in it. It allows Google to accelerate the adoption of new protocols, such as SPDY or offline mode support, by simply ordering its employees to put them in Chrome. It only works if Chrome is good enough to maintain a critical market share, of course; and if a proposal is good enough and open sourced, it will eventually end up in Firefox (which, remember, has nothing to refuse to Google).  So the only advantage Google would get from killing the Firefox deal is that they'd save the $1e8. What are the negative outcomes?  * they'd lose the right to pretend they strive not to be evil. Among numerous impacts, it's not unlikely that geeks will boycott Chrome in retaliation. And there's a risk that they find a smart way to seriously harm it.  * If they propose a new standard today, they implement it in Chrome; if it's picked up a year later by Firefox, that's a momentum of adoption among leading web browsers. If Firefox dies, and Google puts an extension in Chrome, that's just Google putting a proprietary Google-extension into their Google-browser for their Google-websites, nothing to write home about. No momentum, no adoption, no risk that Apple or MS will ever be pressured into supporting it in their browsers.  I'd bet they'd rather go on paying than taking so much risks.


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Shop around a bit. You can probably do better than $5k. See this calculator to decide if your payoff period will happen before you think you'll move. If you're at 8% now it may come sooner than you think -- especially if you can lower that closing cost estimate and still get a good rate.


> TK didnt lose investor tens of billions of dollars.   Uber has spent close to $13B.   > Also, for the past several years the whole market rewards growth over earnings, so that helped guys like Musk and Kalanick quite a lot and to a lessor degree, Bezos and Reddings.  Growth of a model with positive unit economics. It's one thing to have positive unit economics and use your margins to 1) accelerate customer acquisition or 2) build infrastructure that reduces your costs.   It's another entirely to have negative unit economics and require subsidy just to continue providing your service at all.   > For all assets, investor profits come from either earnings or valuation growth and Kalanick provided quite a bit of the latter.  Sure, investors may have the opportunity sell their stock before it crashes, just as some home sellers made a killing right before the housing bubble popped. That's why TK was forced from the company, his investors are trying to get Uber into IPO-able shape so they can ditch their stock before people realize how worthless it is.


It seems there is never a reason to have a gap. Unless you spent that time watching TV, you were still working, even if the pay was lousy. Even the act of looking for employment is a startup business exploring the sales and marketing space. If you actually wanted that time to watch TV, you can list a sabbatical.


There's a bunch of publicly traded companies in Canada. Canopy Growth, CanniMed, MedReleaf, and a few others that are slipping me right now.  You can also go to Motif Investing and look at all the marijuana ETF's which will also have the underlying stock.


IRR of an investment can give an idea as to the flexibility of the cash flows to absorb changes in the discount rate, whereas NPV may be positive because of an overly conservative discount rate; so you like to look at both along with other metrics to get a better idea.  The profitability is in the difference between the investment's IRR and your cost of capital.


"This doesn't say the whole story (like the length of the HELOC). if you have 15 years left on a mortgage and ""refinance"" into a 30 year HELOC then yes, your payments maybe 20% lower, but you add 15 years to pay it off.  Just remember that interest occurs daily on what you owe. If you move 100K of debt from 5% mortgage to 6% HELOC you'll be paying more to the banks no matter how you slice it."


"There's another line of business based on the theory of perpetual incremental growth. It's called a ""pyramid scheme""  In the longlongago, there were two general types of stock: growth stocks and income stocks.   Growth stocks were generally smaller businesses that were still, well, growing. You didn't expect much of a dividend from them because they were reinvesting profits into growing into new markets. The focus was on capital growth.   Once a company got fairly large and mature, then the expectation of capital growth tapered off because back then reasonable investors recognized it's insane to expect that a company can grow forever. Then, while there may be some ongoing capital growth, the major focus was on dividend income - getting a piece of the profits a large, established company could pull in.   The dotcom (among other things) broke that. People got obsessed with capital growth and instant returns. The idea of a decent yield over time became laughable. Instead a company had to show a percentage year over year growth or they got filleted by Wall Street.   If you put one penny on the first square of a checkerboard, then two pennies on the next, then four pennies on the square after that... once you fill the entire checkerboard how much money do you have?"


"> And likewise with the ""IT shouldn't actually charge-back labor"" -- you still create the ""endless pool of resources"" problem, just in the form of labor rather than equipment.  You seem to have missed half the plan. My suggestion to not charge back hours is meant to work with the idea of giving each department a budget in terms of hours."


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"This is a very interesting question.  Unfortunately, in the way you wrote the question the answer is no.  Essentially, you would be asking someone to give you a ~20% return for your cash on something that is almost guaranteed when holding your cash only gets them a <1% return.  Would anyone take the other side of that deal? Interestingly though, you can to some extent hedge surprises in health care costs.  For instance, investing in the healthcare industry as David Rice suggests is a partial hedge.  The prices of those industry stocks already has future expected cost increases included. However, if costs were to jump even higher than expected you would gain some of the added cost you would pay in healthcare back. Not that I recommend this strategy, as you lose diversification, but this is a valid and reasonable reason to slightly overweight american healthcare companies for someone in your situation.   Note that the Wiki article you mention talks about hedging surprises as well.  ""If at planting time the farmer sells a number of wheat futures contracts equivalent to his anticipated crop size, he effectively locks in the price of wheat at that time.""  Thinking that way you may actually be able to buy health insurance now for two or three years in the future essentially locking in expected price increases today.  Probably not the answer you were looking for, but the best analogy for what financial hedging truly does."


That contradicts both what I have written, and my personal experience. I am saying that we currently do educate people, and we don't mold them for jobs, even though that is what students are sold when they apply to college, and it's certainly what they pay up to six figures for.


"Be very careful about terminology when talking about annuities.  You used the phrase ""4% return"" in your question.   What exactly do you mean by that?   An annuity that pays out 4% of its principle is not giving you a ""4% return"" in the sense of ROI, because most of that was your money to begin with.   But to achieve a true 4% return in the current environment where interest rates are at historic lows on anything safe (10 year UK Gilts at 0.91%) would make me very nervous about what the insurance company is investing my annuity in."


You can write off the lease expenses for forever at full price.  I am working a few build to suite buildings right now.  I offer reasonable terms and keep getting asked where else I'd like to build at.


"At minimum, we need to incorporate and give property rights to our commons sector.  If everyone uses something, the something should be managed to maintain itself rather than requiring a constant ""input"" of tax dollars, generating a constant political struggle to maintain funding levels."


Seems like the doctor's office is not very organized. Ask for a line itemized bill. You want the date and the specific service(s) performed on those dates. If the bill seems fair and correct, try to negotiate cash discount payment. Ask how much they would settle for if you paid cash. If it is higher than you were thinking, say you were not expecting this sudden bill and if they would accept $xxx. If they say yes, great. If not, try to compromise, pay the suggested offer, or not pay and hope they don't send it to collections.


What is democratic about today's government?  Because we get to choose between two predetermined candidates, neither of whom represent any of us?  The government is exclusively controlled by the rich, and only the rich win elections.  There are only two parties and both are largely similar.  I have never been represented before.  I have never had a proper say.  The government is illegitimate in my eyes, and I have no recourse whatsoever.  Telling me to launch a multi-million dollar campaign is not a realistic option.  I don't have millions, and I don't know millionaires.


"You cannot deduct commute expenses. Regarding your specific example, something to consider is that if the standard of living is higher in San Francisco, presumably the wages are higher too. Therefore, you must make a choice to trade ""time and some money for commuting costs"" for ""even more money"" in the form of higher wages. For example, if you can make $50K working 2 hours away from SF, or $80K working in SF, and it costs you $5K extra per year in commute costs, you still come out ahead by $25K (minus taxes). If it ends up costing $20K more to live in SF (due to higher rent/mortgage/food/etc), some people choose to trade 4 extra hours of commuting time to put that extra $20K in their pocket. It's sort of like having an extra part time job, except you get paid to read/watch tv/sleep on the job (assuming you can take a train to work)."


"Remember, our credit information, is just a ""product"" for Equifax, TransUnion and Experian.   The aim is to maximize profits with this product.  The aim is not to protect it much or make sure it's accurate, or let us review it for free, or let us control access to it by freezing it."


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>What makes you think anything would change? If they allowed Match money to be distributed tax free, they are missing out on a future tax revenue opportunity.  I agree that it's highly unlikely that matching contributions would be made entirely tax-free. If anything, I would expect employer contributions to be treated the same way that after-tax (non-Roth) 401(k) contributions are treated today to the extent that they exceed the new contribution limits. It's also possible that only individual contribution limits will be reduced and employer contribution limits will remain much higher - I haven't seen any reporting on the latter.  >I think the more likely way they would stick it to us is to sunset the Roth 401(k) all together and make plans go back to the old school pre-tax and after-tax only, where even the earnings on after-tax are taxed at distribution.  I'm optimistic that Roth 401(k)s are here to stay. Trump's priorities seem to be centered around short-term budget characteristics with far less concern for the long-term (as is characteristic of populist administrations in general), and eliminating Roth 401(k)s would be unpopular and have a negligible impact on tax revenue in the short term.


> I still think there should be some kind of rule in place that an IPO has to reflect a companies actual value.   The value of a company is it's price. Really hard to determine that beforehand. ∑(assets) doesn't determine the value of a company (otherwise most software companies would be near valueless)


"There will be many who will judge your proposal on the idea that subsidized loans should be available to those who need them, and should not be used by others who are simply trying to profit from them. Each school has a pool of money available to offer for subsidized and unsubsidized loans. If they are giving you a subsidized loan, they cannot allocate it to someone else who needs it. Once you weigh the investment risks, I agree that it is analogous to investing rather than repaying your mortgage quickly. If you understand the risks, there's no reason why you shouldn't consider other options about what to do with the money. I am more risk averse, so I happen to prefer paying down the mortgage quickly after all other investment/savings goals have been met. Where you fit on that continuum will answer the question of whether or not it is a ""bad idea""."


Thanks!   > How do you believe it should be approached?   Businesses should be more cognizant of the fact that they have enormous amounts of technical debt, or what will be considered to be debt, that will suddenly need to be solved.  Infrastructure or applications that haven't seen a dime in 5+ years. Shadow IT that was stood up (e.g. hey we use this access database that everyone completely forgot about to meet this one specific need) and has somehow managed to survive. That's one of the most frequent issues that will grind consolidations to a halt. The business need to involve IT as early as possible in the M&A process.  Cross-platform can usually be solved by some form of extraction, translaton, load processes. That's straightforward but it does take time.  If you're a company that cares enough to have a disaster recovery team you should also have an IT M&A team that meets regularly to have a dry-run of an M&A that covers the processes from end to end for 2-3 worst-case-scenarios. New scenarios should be identified. If you do enough M&As you'll have compiled a fairly decent playbook of scenarios after the third or fourth. You'll have a well oiled machine that your investors can and should be proud of.   For perspective the best M&A team I've seen was Microsoft's and even then shit regularly hits the fan for those guys when it comes to technical debt. That's something to keep in mind.


Hey,  I'm majoring in a worthless field and do not expect to make much money. I've learned to find solace in the simple luxuries such as, heating,car ownership, food, warm food, meat,being able to exercise, have freedom,etc...  I'm trying to figure out what the minimum annual salary I can live on is. For example right now I'm in college and it costs $30,000 a year but I'm living *very* comfortably.    Why and how will this change in the future? Renting an apartment and supporting only myself, why can't I live comfortably on $30,000 in the future?


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"Honestly, reddit should just become a non-profit. It's impossible to monetize it to the point of profitability without killing it. Instead of having [dozens of](http://web.archive.org/web/20160109193605/https://www.reddit.com/about/team) largely unnecessary roles like ""video producer"", ""writer"", and ""Ad Operations Lead"", ""Sales Operations Lead"", and various management roles, go back to the old days of having a small but hyper-focused group of software developers and IT guys running the site. That's how it was when reddit was great. It might even be greater because there won't be outside pressure from advertisers and shareholders trying ruin the community and software."


"First: what's your risk tolerance? How long is your investment going to last? If it's a short-term investment (a few years) and you expect to break even (or better) then your risk tolerance is low. You should not invest much money in stocks, even index funds and ""defensive"" stocks. If, however, you're looking for a long-term investment which you will put money into continually over the next 30 years, the amount of stock you purchase at any given time is pretty small, so the money you might lose by timing the market wrong will also be rather small. Also, you probably do a remarkably poor job of knowing when to buy stocks. If you actually knew how to time the market to materially improve your risk-adjusted returns, you've missed your calling; you should be making six figures or more on Wall Street. :)"