"The limit on SEP IRA is 25%, not 20%.  If you're self-employed (filing on Schedule C), then it's taken on net earning, which in your example would be 25% of $90,000. (https://www.irs.gov/retirement-plans/retirement-plans-for-self-employed-people) JoeTaxpayer is correct as regards the 401(k) limits.  The elective deferrals are per person - That's a cap in sum across multiple plans and across both traditional and Roth if you have those.  In general, it's actually across other retirement plan types too - See below. If you're self-employed and set-up a 401(k) for your own business, the elective deferral is still aggregated with any other 401(k) plans in which you participate that year, but you can still make the employer contribution on your own plan. This IRS page is current a pretty good one on this topic:  https://www.irs.gov/retirement-plans/one-participant-401k-plans Key quotes that are relevant: The business owner wears two hats in a 401(k) plan: employee and employer. Contributions can be made to the plan in both capacities. The owner can contribute both: •Elective deferrals up to 100% of compensation (“earned income” in the case of a self-employed individual) up to the annual contribution limit:  ◦$18,000 in 2015 and 2016, or $24,000 in 2015 and 2016 if age 50 or over; plus •Employer nonelective contributions up to:  ◦25% of compensation as defined by the plan, or ◦for self-employed individuals, see discussion below It continues with this example: The amount you can defer (including pre-tax and Roth contributions) to all your plans (not including 457(b) plans) is $18,000 in 2015 and 2016. Although a plan's terms may place lower limits on contributions, the total amount allowed under the tax law doesn’t depend on how many plans you belong to or who sponsors those plans. EXAMPLE Ben, age 51, earned $50,000 in W-2 wages from his S Corporation in 2015. He deferred $18,000 in regular elective deferrals plus $6,000 in catch-up contributions to the 401(k) plan. His business contributed 25% of his compensation to the plan, $12,500. Total contributions to the plan for 2015 were $36,500. This is the maximum that can be contributed to the plan for Ben for 2015. A business owner who is also employed by a second company and participating in its 401(k) plan should bear in mind that his limits on elective deferrals are by person, not by plan. He must consider the limit for all elective deferrals he makes during a year. Notice in the example that Ben contributed more that than his elective limit in total (his was $24,000 in the example because he was old enough for the $6,000 catch-up in addition to the $18,000 that applies to everyone else).  He did this by declaring an employer contribution of $12,500, which was limited by his compensation but not by any of his elective contributions. Beyond the 401(k), keep in mind that elective contributions are capped across different types of retirement plans as well, so if you have a SEP IRA and a solo 401(k), your total contributions across those plans are also capped.  That's also mentioned in the example. Now to the extent that you're considering different types of plans, that's a whole question in itself - One that might be worth consulting a dedicated tax advisor.  A few things to consider (not extensive list): As for payroll / self-employment tax: Looks like you will end up paying Medicare, including the new ""Additional Medicare"" tax that came with the ACA, but not SS: If you have wages, as well as self-employment   earnings, the tax on your wages is paid first.   But this rule only applies if your total earnings   are more than $118,500. For example, if you   will have $30,000 in wages and $40,000 in selfemployment   income in 2016, you will pay the   appropriate Social Security taxes on both your   wages and business earnings. In 2016, however,   if your wages are $78,000, and you have $40,700   in net earnings from a business, you don’t pay   dual Social Security taxes on earnings more   than $118,500. Your employer will withhold   7.65 percent in Social Security and Medicare   taxes on your $78,000 in earnings. You must   pay 15.3 percent in Social Security and Medicare   taxes on your first $40,500 in self-employment   earnings and 2.9 percent in Medicare tax on the   remaining $200 in net earnings. https://www.ssa.gov/pubs/EN-05-10022.pdf Other good IRS resources:"


Google is about to get a kick in the ass. They're trying to compete against a company that fought with many industries on price and yet still won. This is a last effort from traditional retailer to save their business. Google hasn't really done anything great in the past few years, just relying on their ad revenue too much.


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The $47.67 per share figure is the trading price, or fair market value, of the OLD Johnson Controls, and should not be used to figure your gain nor to figure your basis in the new Johnson Controls International. Your new basis is the total of the gross proceeds received; that is, the cash  plus the fair market value of the new shares, which was $45.69 per share. (I am not referring to cash-in-lieu for fractional shares, but the $5.7293 per share received upon the merger.) A person holding 100 shares of the old Johnson Controls would have received $572.93, plus 83.57 shares of the new company.  Ignoring the fractional share, for simplicity's sake, gross proceeds would equal 83 x $45.69 = $3792.72  in fair market value of shares, plus the cash of $572.93, for a total of $4365.20. This is your basis in the 83 new shares. Regarding the fractional share, since new basis is at fair market value, there should be no gain or loss recognized upon its sale.


It is my perspective that white-majority nations seem to be 'nicer' than black-majority nations.  But it isn't sufficient information to conclude that either:  * Races are distinct and important  or   * Racial traits are reason that the 'niceness' of nations divide along racial lines.  Your evidence cannot prove that one race is better at anything, it's just confirmation bias.  Edit: just to be clear, it's a 'yes' answer.


Here's an answer copied from  https://www.quora.com/Why-is-the-second-quarter-of-estimated-quarterly-taxes-only-two-months Estimated taxes used to be paid based on a calendar quarter, but in   the 60's the Oct due date was moved back to Sept to pull the third   quarter cash receipts into the previous federal budget year which   begins on Oct 1 every year, allowing the federal government to begin   the year with a current influx of cash. That left an extra month that   had to be accounted for in the schedule somewhere.  Since individuals   and most businesses report taxes on a calendar year, the fourth   quarter needed to continue to end on Dec 31 which meant the Jan 15 due   date could not be changed, that left April and July 15 dues dates that   could change.  April 15 was already widely known as the tax deadline,   so the logical choice was the second quarter which had its due date   changed from July 15 to June 15.


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"My late answer is: Be aware of the difference of being a contractor and being an employee.  I am not sure of the laws in Canada, but in the United States lots of small companies like to hire people as ""contractors"" but make them work under rules that fall into employee.   The business is trying to avoid paying payroll taxes, which is fine, but make sure you know your rights and responsibilities as a contractor vs employee. You can check with your state's Bureau of Labor and Industry in the US, but I am sure wherever you are from there is a government agency to do the same thing."


They probably see this as a way to increase revenue in the short run to offset tax breaks for companies and wealthy individuals.  Among the major power brokers calling the shots in American politics these days, the ordinary lower or middle class American is nothing but a pawn with no value at all except on election days.


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No, SPDR ETFs are not a good fit for a novice investor with a low level of financial literacy.  In fact, there is no investment that is safe for an absolute beginner, not even a savings account.  (An absolute beginner could easily overdraw his savings account, leading to fees and collections.) I would say that an investment becomes a good fit for an investor as soon as said investor understands how the investment works.  A savings account at a bank or credit union is fairly easy to understand and is therefore a suitable place to hold money after a few hours to a day of research.  (Even after 0 hours of research, however, a savings account is still better than a sock drawer.) Money market accounts (through a bank), certificates of deposit (through a bank), and money market mutual funds (through a mutual fund provider) are probably the next easiest thing to understand.  This could take a few hours to a few weeks of research depending on the learner. Equities, corporate bonds, and government bonds are another step up in complexity, and could take weeks or months of schooling to understand well enough to try.  Equity or bond mutual funds -- or the ETF versions of those, which is what you asked about -- are another level after that. Also important to understand along the way are the financial institutions and market infrastructure that exist to provide these products:  banks, credit unions, public corporations, brokerages, stock exchanges, bond exchanges, mutual fund providers, ETF providers, etc.


Do I get a write off for paying student loans? Maybe.  See https://www.irs.gov/publications/p970/ch04.html Generally, personal interest you pay, other than certain mortgage interest, isn't deductible on your tax return. However, if your modified adjusted gross income (MAGI) is less than $80,000 ($160,000 if filing a joint return) there is a special deduction allowed for paying interest on a student loan (also known as an education loan) used for higher education. For most taxpayers, MAGI is the adjusted gross income as figured on their federal income tax return before subtracting any deduction for student loan interest. This deduction can reduce the amount of your income subject to tax by up to $2,500.  Read the whole document to be sure, but that's the basics.   You'll have to fill out a 1040 or 1040A to claim a student loan deduction.  It won't be on the 1040EZ.  You do not have to itemize though.   What kinds of write-offs and credits are available for someone who is single and lives in an apartment with two roommates? As a practical matter, in 2016 you'll get the standard deduction for someone who is single ($6300) and the personal exemption ($4050).  It's extremely unlikely that you'll be able to deduct more by itemizing.  Most people who itemize are taking a mortgage interest deduction.  Major medical bills are another possibility, but they have to be more than 10% of your adjusted gross income (it's one of the lines on your tax return).  Assuming you rent and are reasonably healthy, you are unlikely to have enough to itemize.   The most likely additional deduction would be the one for an IRA (Individual Retirement Account).  Although you might be better off doing a Roth anyway (no tax deduction).   If you are self-employed or making more than $100,000 a year, there are additional issues.  But most people aren't.  If you filled out a W-4 and will get a W-2 back, you aren't self-employed.  Hopefully you have a rough idea of your annual income.   The first $9275 over your deductions will pay 10%.  After that, up to $37,650 you pay 15%.  The 2016 link above has a link (PDF) to the full table if you need more than that.  Note that that is the first $48,000 in income with your $10,350 in deductions.


I miss the old true libertarian Reddit. I could always rely on Reddit being the first place to find news that wasn't being reported anywhere else.   When the various parties started trying to generate fake accounts to sway the conversation, Reddit lost it's authenticity. And I would never expect news to break here any more. Some mod would bury it.


While Warren Buffett is an amazing investor, he does have the benefit of having his working career start around mid-WW2 and ride the baby boomer phenomena afterward.  While there were bear blips in the past decades, there never really was much of a bear market outside the 70s energy crisis and inflation of the early 80s that nevertheless still could be leveraged for gains unlike the Great Depression.  The question really is, will the next generation be so lucky?  Idk, could be but I'm a doubter.  He's right in his criticism (I wouldn't bet my retirment on Bitcoin) but the same critique could apply to the US dollar in parts (which admittedly has the fundamental strength as being accepted for US taxes, but as a consequence also severe drawback in being tied to the economic welfare and trust in the US Government).  In the end, bitcoin and Warren Buffett are at fundamental odds.  Bitcoins is for, among other niches, Currency and Market pessimists (around the world btw and not just US-centric) and Warren Buffet is a product of his time and generally an US-centered optimist.


I'm very aware of what a non-profit is. I understand there is money to be made as an employee of a non-profit. What I would like to do is make money as the owner of the company. I would also like the possibility of stock options in the future. My partner's ideal path would be to establish a non-governmental organization and I see it as a loss of income opportunity. What I can tell you about this business is that it is a website. A social media platform. The possible revenue from ads would never happen for a NPO.


I disagree. 100k in the bay area is a fair wage for a full time career, my household income is higher than that and i still am not comfortable. The OT and benefits could be looked at but really this guy seems to have accrued the majority of OT available, or at least that is what the articles lead me to believe. 20 dollars an hour is laughable, nearly criminal in fact. Am i supposed to laud a giant private corporations business practices? I'm not even sure you are correct there either. I am pretty sure facebook pays their support pretty well, but i could be wrong in this specific case.  Wages and COL are a problem in this area. The janitor should be the rule, not the exception. We should be working to get everyone a fair wage instead of tearing each other down.  What seems to happen is that instead of funding our vital infrastructure( bart and California's 60 billion dollar backlog in highway maintenance) we focus on op-eds that castigate an edge case janitor who happened to work the system.


The point of buying an index fund is that you don't have to pick winners. As long as the winners are included in the index fund (which can include far more than 500 stocks), you benefit on average because of overall upward historical market performance. Picking only the top 50 capitalized stocks in the S&P 500 does not guarantee you will successfully track the S&P 500 index because the stocks in the tail can account for an outsized amount of overall growth; the top 50 stocks by market capitalization change over time, and these stocks are not necessarily the stocks that perform better.  As direct example, the 10 year average annual return for the S&P top 50 is 4.52%, while the 10 year average annual return for the S&P 500 is 5.10%. Issues of trading and balancing to maintain these aside, these indices are not the same.


Because if there is enough uncertainty then dcf can give you wildly different numbers? The shortcomings of such a simplistic method of valuation should be obvious.   Also why does it matter that they don't run projections?


"Littleadv is incorrect because receiving a 1099 means she will be taxed self-employment tax on top of federal income taxes. Your employer will automatically withhold 7.65% of payroll taxes as they pay you each paycheck and then they'll automatically pay the other half of your payroll tax (an additional 7.65%) to bring it to a total of 15.3%. In other words, because your wife is technically self employed, she will owe both sides of payroll tax which is 15.3% of $38k = $5,800 on TOP of your federal income tax (which is the only thing the W-4 is instructing them about what amount to withhold). The huge advantage to a 1099, however, is that she's essentially self-employed which means ALL of the things she needs to run her business are deductible expenses. This includes her car, computer, home office, supplies, sometimes phone, gas, maintenance, travel expenses, sometimes entertainment, etc - which can easily bring her ""income"" down from $38k to lets say $23k, reducing both her federal income tax AND self-employment tax to apply to $15k less (saving lets say 50% of $15k = $7.5k with federal and self employment because your income is so high). She is actually supposed to pay quarterly taxes to make up for all of this. The easy way to do this is each quarter plug YOUR total salary + bonus and the tax YOU have paid so far (check your paystubs) into TurboTax along with her income so far and all of her expenses. This will give you how much tax you can expect to have left to owe so far--this would be your first quarter. When you calculate your other quarters, do it the exact same way and just subtract what you've already paid so far that year from your total tax liability."


Huh, well it's working for me. I've got 3 properties and am a little over 25% of my goal to never work again.  How would you suggest one get rich? I assume you have a better plan than he does?


"Here's the rundown in quick form, with a link to their website. I sat down and felt like doing this, hopefully makes it easier for someone.  1. [Simple](https://www.simple.com/) - boasting the largest network of ATMs at 40,000. ""Simple (formerly called BankSimple) wants to merge all accounts into one and do away with fees by splitting the net interest between all of the banks involved.""  2.  [Lytro](http://www.lytro.com/) - is the 'focus after the fact' camera, meaning you can adjust focus of the picture even after you take it.  3.   [Bettworks](http://www.betterworks.com/) - BetterWorks connects popular local service providers with great companies to afford you and your employees the best, pre-negotiated perks available in one cost.  4.   [Zaarly](http://www.zaarly.com/) - BI says it best, ""Zaarly is a local marketplace for real-time requests. Need chips at your party in five minutes? Find a neighbor on Zaarly who will do it now. Think Craigslist meets Twitter.""  5.   [Turntable.fm](http://turntable.fm/) - Social Listening 6.   [Oink](http://www.oink.com/) - yelp for specific items on the menu. 7.   [General Assembly](http://generalassemb.ly/) - campus for technology, design, and entrepreneurship.  8.   [Giftly](http://www.giftly.com/) - gift cards for any business anywhere. 9.   [Get Around](http://www.getaround.com/) - car rental service for you and your neighbors. 10.  [Skill Share](http://www.skillshare.com/) - community marketplace to learn anything from anyone 11.  [Fab](http://www.fab.com/) - flash deal site for design and home decor. 12.  [Codecademy](http://www.codecademy.com/#!/exercises/0) - An online programming tutorial, looks like interactive learning of code, as someone scared of code this is pretty inviting and intriguing. 13.  [Sphero](http://www.gosphero.com/) - remote ball that you can control with your phone. 14.  [Goodsie](http://goodsie.com/) - ecommerce platform, quote from site ""Make a branded storefront without any of the traditional hassles of setting up shop online"". Is there room for another ecom platform? Maybe the simplicity will help. 15.  [Chloeandisabel.com](http://www.chloeandisabel.com/) - Jewelry startup. 16.  [Sojo](http://www.sojostudios.com/) - Social gaming built around  getting people to play online games that actually impact the real world. 17.  [Warby Parker](http://www.warbyparker.com/) - Warby Parker is a prescription glasses online discount retailer, who's going after Luxottica (mfg of majority of current glass brands) 18.  [We Work Labs](http://weworklabs.com/) - From their site ""In addition to offering entrepreneurs great space to build their own products, our overarching goal is to foster collaboration among intelligent, creative and driven individuals who may not have otherwise had the opportunity to connect"" 19.  [The Verge](http://www.theverge.com/) - new reporting blog on the tech industry. 20.  [Kogeto Dot](http://kogeto.com/dot.php) - lets iPhone users shoot 360 degree videos on their phones."


How would they lose a bunch of business for doing the exact same thing their only competitor does? Is that a joke? And, as you said, it would have totally prevented this (and others from doing the same). What are you are saying makes little sense.


"Amazon has some major issues with growing out in Seattle, primarily infrastructure and geography. Seattle's infrastructure is stretched, leading to some hilarious activity - ""http://kuow.org/post/seattle-traffic-got-so-bad-guy-started-flying-work"". Also, Seattle is locked between the sea and the mountains, and with a limited supply of land, there isn't anywhere to build economically.  Vancouver suffers from all the same land and infrastructure issues Seattle does. So forget it.   Ontario has a few good things going for it: Healthcare, Immigration, Low corporate taxes, Education...   But there are also some elephants.   Ontario has some of the highest land costs in the world, longest commute times on the planet, and a government which will inevitably need to raise taxes.  If I had to bet, we'll probably see Amazon set up shop in a City with low land costs, ring roads, and a low debt government. A place with room to grow.   Raleigh/Durham Dallas-Fort Worth Denver Minneapolis Salt Lake City Cincinnati"


"This is the best tl;dr I could make, [original](http://www.imf.org/en/Publications/WP/Issues/2017/06/09/ABBA-An-Agent-Based-Model-of-the-Banking-System-44916) reduced by 60%. (I'm a bot) ***** > The views expressed in IMF Working Papers are those of the author(s) and do not necessarily represent the views of the IMF, its Executive Board, or IMF management.  > A thorough analysis of risks in the banking system requires incorporating banks&#039; inherent heterogeneity and adaptive behavior in response to shocks and changes in business conditions and the regulatory environment.  > ABBA is an agent-based model for analyzing risks in the banking system in which banks&#039; business decisions drive the endogenous formation of interbank networks.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6gegcw/imfabba_an_agentbased_model_of_the_banking/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~140832 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*: **banks**^#1 **IMF**^#2 **risk**^#3 **view**^#4 **author(s**^#5"


"Have you heard of the trait ""agreeableness""?  I'd bet you would rate extremely low on it.  It's okay, me too!  I get it, you want to zig when everyone else zags, but don't let that blind you to reality.  Musk isn't a failure and it's actually a little insane that you would hold that view."


If you have no credit score it is generally far easier and more affordable to establish credit the cheapest way possible, which is usually in the form of a small credit card (student card if you are a student, low credit line unsecured, or even secured if you need). Your local bank/credit union will usually be keen to offer you something to start out, but you can also apply online to some of the major credit card vendors. As always, look out for annual fees, etc. In general, trying to get a larger loan to establish credit will cost you a lot as you will not qualify for any legitimate 0% or ultra-low APR car loans - those are reserved for people with established and generally pretty good credit. I expect you'll find a car loan that will have a lower APR than you could get investing your money otherwise - especially if you do not have established excellent credit - to simply be a phantom (you won't find it), and even if you could it is more risky than it is worth. Furthermore, if establishing credit is important to you (such as for buying a house down the road), you can build an excellent credit score without ever having a car loan. So you don't have to buy a car on borrowed money just to hope to get approved for a house some day - it's just not a requirement. Finally, I urge you to make a decision on the best car for you in your situation, ignoring the credit score - especially if you are more than 3-5+ years away from buying a house. Everything else about buying a car is more important - the actual cost of the car, year, mileage, suitability for your needs, gas mileage, maintenance and insurance costs, etc.  Then, at the very end of your decision making process, ensure that buying the car would not put you dangerously low on savings by squeezing your emergency fund. Decide if you really need a loan or as expensive of a car, considering the costs over the expected life of you owning the car (or at least the next 2-5 years). Never get trapped into just thinking about monthly payments, which hide the true cost of loans and buying beyond what you can afford to purchase today.


The debt consolidation programs that are offered by leading companies prove a great option for small businesses to take care of all their previous obligations. The loans offered by such companies are not only suitable for reducing monthly payments but retain the cash flow your business needs to grow.


"I'm posting this because I think I can do a better job of explaining and detailing everything from start to stop. :) A ""broker"" is just someone who connect buyers and sellers - a middleman of sorts who is easy to deal with. There are many kinds of brokers; the ones you'll most commonly hear about these days are ""mortgage broker"" (for arranging home loans) and ""stockbroker"". The stockbroker helps you buy and sell stock. The stockbroker has a connection to one or more stock exchanges (e.g. Nasdaq, NYSE) and will submit your orders to them in order to fulfill it. This way Nasdaq and NYSE don't have to be in the business of managing millions of customer accounts (and submitting tax information about those accounts to the government and what-not) - they just manage relationships with brokerages, which is much easier for them. To invest in a stock, you will need to: In this day and age, most brokers that you care about will be easily accessed via the Internet, the applications will be available on the Internet, and the trading interface will be over the Internet. There may also be paper and/or telephone interfaces to the brokerage, but the Internet interface will work better. Be aware that post-IPO social media stock is risky; don't invest any money if you're not prepared for the possibility of losing every penny of it. Also, don't forget that a variety of alternative things exist that you can buy from a broker, such as an S&P 500 index fund or exchange-traded corporate bond fund; these will earn you some reward over time with significantly less risk. If you do not already have similar holdings through a retirement plan, you should consider purchasing some of these sooner or later."


its not so much that NFIP is a problem, as it is that it subsidizes building there.  Without it, there would still be government bailouts/relief aid.  The problem with a privatized system instead of a fair assessed insurance price is the extra 20% tacked on to premiums to cover insurer profits.  Basically though, there has been some privatization of flood insurance in US areas, and premiums are skyrocketting.  Its politically difficult to raise these premiums, and all of the insurance companies believe in global warming/climate change.  Its easier to privatize and cause even higher premiums, than it is to vote for the one who will raise NFIP premiums.


I can't agree more. If you have unique IP and know-how you can very well be a single successful proprietorship. That said you can even be more successful, if you can grow beyond that. The reality is that you have to be an exceptional salesperson, if you want to grow a pure commoditized services business. Otherwise you just keep on adding overhead and there is very little left over for you. Unless of course you make your money off the back of your employees.


I'm a bot, *bleep*, *bloop*. Someone has linked to this thread from another place on reddit:  - [/r/shitliberalssay] [Neo-liberals don't start wars, apparently](https://np.reddit.com/r/ShitLiberalsSay/comments/6mds2g/neoliberals_dont_start_wars_apparently/)  [](#footer)*^(If you follow any of the above links, please respect the rules of reddit and don't vote in the other threads.) ^\([Info](/r/TotesMessenger) ^/ ^[Contact](/message/compose?to=/r/TotesMessenger))*  [](#bot)


Exchange-traded funds are bought and sold like stocks so you'd be able to place stop orders on them just like you could for individual stocks. For example, SPY would be the ticker for an S & P 500 ETF known as a SPDR. Open-end mutual funds don't have stop orders because of how the buying and selling is done which is on unknown prices and often in fractional shares. For example, the Vanguard 500 Index Investor shares(VFINX) would be an example of an S & P 500 tracker here.


For safety. If something catastrophic happens to your bank and your money is in there you will lose any not covered by FDIC. So if you have a very large amount of money you will store it in bonds as its much less likely that the US treasury will go bankrupt than your bank. I also literally just posted this in another thread: Certain rules and regulations penalize companies or institutions for holding cash, so they are shifting to bonds and bills. Fidelity, for example, is completely converting its $100 billion dollar cash fund to short term bills. Its estimated that over $2 trillion that is now in cash may be converted to bills, and that will obviously put upward preasure on the price of them. The treasury is trying to issue more short term debt to balance out the demand. read more here: http://www.wsj.com/articles/money-funds-clamor-for-short-term-treasurys-1445300813


"First challenge: Creating a system which can understand written English well enough to read the news. Nothing short of IBM's Watson has proven very good at extracting meaning from unstructured text. Second challenge: By the time it reaches ""the news"", the big actors already know and have responded. Third challenge: It's not uncommon for a stock to drop on good news, or rise on bad, because the price had previously adjusted to an expectation of even better/worse news and is now correcting itself. Basic principle: It it was simple and obvious, everyone would already be doing it."


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Isn't that the point though? Horses could do other horse jobs, they still do. They were, however, eliminated out of the workforce by something better.  Humans can continue to do other human jobs but like horses will be regulated to an area of where they are unnecessary even for those. Once firm AI comes in there won't be anything that humans can do better.


>we cannot sustain deficit spending forever. Our government has been spending money it doesn't have for decades.   Is the government, the issuer of the dollar, going to run out of dollars? *Can* it run out of dollars?  It certainly can run *into* inflation but that has an entirely different set of implications for how sustainability is defined.


"Dan's link (he deleted his answer, BTW) is fine, it showed the components of the score FICO offers.  Each input has data behind it, a bell curve of the behaviors and risk of the person behind it. For example, we've discussed utilization many time here. The ideal utilization is not 0%, but 1-19%. This does not mean paying interest, or carrying charges from month to month.  Say I had just one card with a $10K limit. I'd want to be sure I never ran a bill above $2000. If I did, I'd see a slight drop in my score, and next month, it would go back to normal. In my case, I have enough available credit that going over 20% is rare, and if it happened, I'd pay the bill down before the bill was issued, just make a mid-cycle payment.  FICO decided that those who go over 20% have a higher risk of default. And it gets higher as it goes up. Same with every aspect of the score's components.  You are comparing US to non US use. In the US, it seems far more common to use our cards. In my family's case, we use very little cash, and run most of our spending through our cards.  As far as The David is concerned, one should separate those who carry a balance from those who pay in full. The pay in full users are better off for their habits and responsible card use. In the US, it's not easy to rent a car or book a hotel with no card. Cards offer a cash rebate that adds up fast, and purchase protection from fraudulent vendors. They also offer extended warranty coverage.  The David, and others, claim that ""studies prove those using cards spend 10-15% more than cash buyers."" This is a proven fact from scientific studies. Only they don't exist. The best I've seen proves that college kids given a $20 bill spend more carefully than those given a $20 credit card. This doesn't extrapolate to a family budget, and never will. But that quote has a way of being repeated as fact. Yes, it's non-sense, thank you for reading and quoting my blog, I recognize the quote.  The report also shows accounts that have gone to collection. An electric bill isn't a regularly reported item, it's assumed your lights are on. But if you stop paying the bill and they send your account to a collection agency, you'll see it hit your report.  In response to the comment below - Journal of Experimental Psychology: Applied article titled Monopoly Money: The Effect of Payment Coupling and Form on Spending Behavior runs 13 pages but on the first page offers ""Do consumers spend differently when using one payment mode relative to another mode? For example, do consumers spend more when they receive $50 in the form of a gift card than in the form of cash? If indeed they do, then why? This research addresses these issues.""  $50? A $50 gift card is a nuisance, I try to use it up within hours of getting one. As I stated above, the behavior of a person with such a card doesn't scale to a many-thousand-per-month budget. Such articles, in my opinion, are nonsense, proving nothing.  Unfortunately, this is a bit of a tangent to the original question, and if I put up a stand-alone ""Is it a fact that people spend more if using a card than cash?"" the question would result in being closed as one that's seeking opinions, not facts."


"TLDR:  Why can't banks give me my money? We don't have your money. Who has my money? About half a dozen different people all over the world. And we need to coordinate with them and their banks to get you your money. I love how everyone seems to think that the securities industry has super powers.  Believe me, even with T+3, you won't believe how many trades fail to settle properly.  Yes, your trade is pretty simple. But Cash Equity trades in general can be very complicated (for the layman).  Your sell order will have been pushed onto an algorithmic platform, aggregated with other sell order, and crossed with internal buy orders. The surplus would then be split out by the algo to try and get the best price based on ""orders"" on the market.  Finally the ""fills"" are used in settlement, which could potentially have been filled in multiple trades against multiple counterparties. In order to guarantee that the money can be in your account, we need 3 days. Also remember, we aren't JUST looking at your transaction. Each bank is looking to square off all the different trades between all their counter parties over a single day. Thousands of transactions/fills may have to be processed just for a single name. Finally because, there a many many transactions that do not settle automatically, our settlements team needs to co-ordinate with the other bank to make sure that you get your money. Bear in mind, banks being banks, we are working with systems that are older than I am. *And all of the above is the ""simplest"" case, I haven't even factored in Dark Pools/Block trades, auctions, pre/post-market trading sessions, Foreign Exchange, Derivatives, KYC/AML."


Getting the line of credit would likely be a bit easier than the loan but realistically the best option is getting a mortgage through an Indian bank.  With a long term mortgage your monthly payments would be a small portion of your income (maybe as low as $500) so currency fluctuations are likely to be minor blips that you can avoid by sending a few thousand to hold as a cushion for when exchange is unfavorable. Edit:  Please be advised that mortgages work differently throughout the world.  While 10% down may be standard in the US, in India 40-50% down seems to be the norm.


The typical pension is worth about 8-10% of income. My source is that when my company eliminated the traditional pension and flipped to a cash value account, the deposit to the cash value was 8% of gross income each year. Obviously, the terms of each plan will vary, this is a swag more than a valid fact that applies to all.


Yes. I have personally signed such contracts (fixed budget software development) and lost money every single time. And yes, it is quite possible for you to get paid under minimum wage if you take too long. Scope creep is the primary culprit for these kinds of contracts, so make sure you put together iron-clad explanations of what is and is not covered by the contract (and pad the asking price for good measure).


I think the control freak stems from the fact he was kicked out of Tribe.net, a social networking site he founded in 2003, by the VC investors. He initially bootstrapped Zynga (with money from the 3 previous companies he founded) so he could maintain control after taking VC money.   A special class of stock for the founder(s) in the tech world is not without precedent. Google is structured the same way.


I know folks who considered retiring to another country. Their conclusion was that while base cost of living was lower, the cost of the things that they enjoy doing -- not to mention the cost of spending time with friends they didn't want to give up -- would be sufficiently higher to erase most of the advantages. Those of us who grew up in or close to cities feel much the same way about moving out to less-populated and less-expensive parts of our own country.  Basically, when cost of living is high it tends to be because there are more people who want to live there and are competing for resources (and driving prices up). Low cost of living is generally tied to less-desired locations, for the same reasons. IF you can find a location that appeals to you, and if you can get the resources there which your preferred lifestyle requires, this may make sense. For a while there were a number of professional writers moving from the US to Ireland, in part because the Irish tax structure heavily favored writers and other creative artists. (Katherine Kurtz spent several years living in a renovated Irish castle.) I'm not sure how many have stayed there after the novelty wore off.


**Complete protein**  A complete protein (or whole protein) is a source of protein that contains an adequate proportion of all nine of the essential amino acids necessary for the dietary needs of humans or other animals.  According to the Food and Nutrition Board of the The National Academy of Medicine (NAM), formerly called the Institute of Medicine (IoM), complete proteins are supplied by meat, poultry, fish, eggs, milk, cheese, yogurt, quinoa, or soybean. Since the amino acid profile of protein in plant food may, except for few cases, be deficient in one or more of the following types, plant proteins are said to be incomplete. Vegetarian meals may supply complete protein by the practice of protein combining which raises the amino acid profile through plant variety.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/business/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.24


The point I'm making is decidedly apolitical:  Barney Frank (liberal Democrat) was on the same side of the legislation that Hank Paulson (Republican Treasury Secretary).    It's a functional issue/problem of how to keep a banking system from collapsing and support it in the most cost effective manner possible, given the constraints and economy that was spiraling into the abyss.  It really has very little to do with politics and is a basic issue of systemic confidence.  The bond market and financial actors are signaling that no one has any confidence that Bank of America will be around in 48 hrs, that they will implode like Lehman Brothers.   How does the US Government react to that in the most appropriate manner?


London Black Cabs are acknowledged globally as the best on earth.  Other than the huge cost, I have always had a very positive experience in them.  So you are correct, it is not in every city on earth.      I have been to 40% of countries in the world, and travel extensively for business and vacations.  Taxis are almost universally awful.  I have had negative experiences on every continent.      As a man, I have felt threatened on occasions and realized that no one knows I am in this taxi, I can only imagine what women go through.      I am no fan of how Uber is run, but the concept is here to stay.  Taxis will never be able to compete with the traceability and accountability.  Whether it is Uber or a competitor, that is what the world will use.      The hijacked the term ride sharing, however the generally accepted definition today is an Uber type service.      Typically the only people who defend taxis, either very rarely take them, or are drivers themselves.


In the US ...  In Europe we act as if workers are people not a commodity to be prices as low as possible. We remember one of the reasons states exist is to promote the welfare of its citizens. Which implies good medical care, plentiful paid vacation, maternity leave, etc.  Humans are not there to serve Capitalism, but the other way around.  The US definitely forgot this.


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> Are you fucking stupid or just retarded?  no. but you are.  US debt to GDP is now where the PIIGS were when they exploded.  https://fred.stlouisfed.org/series/GFDEGDQ188S  Yes. the war spending was a killer. (try to guess what Obama did with that war spending. Are you trying to say something?)  Just in case you miss military spending under Obama.  http://www.westernjournalism.com/no-the-military-has-not-withered-away-under-obama/  https://rogueoperator.wordpress.com/2011/10/21/obama-beats-bush-in-military-and-war-spending/


Since the POS machines are tied into the register it would be rather difficult to overcharge with an attentive patron.  They would have to add an additional item onto the purchase in order to increase the total before running the card (very few system allow cashback to be requested from the teller side), and most machines have audible cues every time an item is added.  If you are paying attention to the teller and not talking/playing on your phone (or other distracting things) then I would say the feasibility is probably very low. Except for rare exceptions while traveling I only shop at locations where I can see the total on the register, and make sure it looks correct before handing my card over.


"In my experience, Shiller is always way before his time with his predictions and often it comes at too early a point for anyone actually making some money to care about. His view is very long term - and I trust his predictions, because he so accurately predicted so many of the homepocalypse, and the measures that would follow. He even predicted that there would be bailouts in his book ""Irrational Exuberance"".  His opinons were poo-poo'd as doom and gloom and manipulative until every piece started falling apart in the specific order of events (give or take) that they did.  I personally think people like Dr. Shiller make bold predictions that are hard to swallow. The derivatives market is a bit skittish about rolling into bull territory with any kind of housing index, but Warren Buffet's old adage to ""buy when everyone is selling and sell when everyone is buying."" (paraphrase). I see this as a good long-term investment because I trust Shiller's judgement, he stuck to his guns when the doubts were lobbed at him incessantly  (and Krugman, et. al. to some extent), and he turned out to be more than vindicated.  To me, these kinds of sources are usually pretty sound. The man knows what he's talking about, and I wouldn't mind picking up a piece of that action, especially if the market just doesn't trust any real estate investments. It's pretty easy to realize that right now housing will be undervalued and now that mortgage applications are (supposedly) stricter, I think there's a good argument to be made that this economist should continue to exceed expectations."


Or they will get a bunch of users and then increase the prices to something more like 25 a month or so zbank on a lot of people still thinking its a good deal, forgetting about it and not using it a ton, making deal with the movie theaters for increases in concessions sales or anything similar to any of that.


"Mutual funds don't pay taxes themselves, they distribute any dividends or capital gains to the shareholders. Thus, if you hold a mutual fund in a tax-advantaged account like a 401k or IRA then the distribution isn't a taxable event while in a regular taxable account you would have to pay taxes on the distributions. From Forbes: There can be foreign companies on US stock exchanges that would still work the same way. Unilever for example is an Anglo-Dutch multinational listed on the NYSE as ""UN."""


"Lots of good answers here about budgeting and other ideas.  Here's a couple more: Think about offense and defense.  Offense is how much money you make.  Are you making enough to survive on?  Is there a way you could bring in more income?  Defense is what you do with your money.  Do you have expensive habits?  Do you have problems with impulse spending?  Do you live in an expensive area with a high cost-of-living?  Think about some of these areas and pick one to attack first. If it is the defense side that is causing you problems (you did mention trying to live on less), consider reading Your Money or Your Life by Joe Dominguez and Vicki Robin.  There's a really good summary of it on the authors' site.  The basic idea of the mechanical part of the book is that you figure out how much you're truly making per hour, and then evaluate your expenses based on how many hours of your ""life energy"" you are using for that expense.  Then you evaluate whether you think that's a fair trade or not.  There's a lot more to it than that, but it's an interesting way to get a different perspective on your spending habits, and may be enough to entice you to change those habits."


"Zephyr, Did you see something specific regarding a claim of money saved through observance of the Earth Hour event? The organisers maintain it is about raising awareness of climate change issues - I can't find anything from them regarding saving money/have never seen anything. You could take the claims regarding drops in national-level energy consumption and the decrease in use of various items/devices etc etc and work out a financial savings of a sort - ie. add together ""energy not used x average kilowatt cost"", ""fuel saved through non-use of vehicles x average price per litre"", etc etc and so on. But it would be wild wild guesses littered with assumptions - I seriously doubt you could work up a credible figure. Which is why I don't think the organisers make claims regarding money (please correct me if you saw something from them that stated otherwise) - they tend to stick to the ""awareness"" mantra. Regarding your second question, I think you'll find there is some consensus that large-scale downturns followed by large-scale upturns in electricity consumption is not environmentally friendly. The Telegraph is a good read on this: http://www.telegraph.co.uk/earth/environment/climatechange/7527469/Earth-Hour-will-not-cut-carbon-emissions.html (To be honest, the Telegraph's article is a good summary of the entire concept of Earth Day.)"


> yelp didnt as well hide positive reviews unless you pay them a monthly fee  There is nothing I've seen that indicates this is the case. Can you provide a source for that? According to Yelp you pay them for putting you higher on the search results and other things that don't affect the filter system at all.


Yes you will need an emergency fund for the rental. Besides appliances, or a roof, that might need to be replaced, you will also have to protect against being unable to rent the unit.  Another risk is that you may have a tenant damage the unit. While you can get the money through the courts it may take months or longer. You can't wait for the money before you repair the unit. Keeping the rental unit funds separate from the rest of your funds will allow you to make sure you are adequately protecting yourself.


"You might find some of the answers here helpful; the question is different, but has some similar concerns, such as a changing economic environment. What approach should I take to best protect my wealth against currency   devaluation & poor growth prospects. I want to avoid selling off any   more of my local index funds in a panic as I want to hold long term.   Does my portfolio balance make sense? Good question; I can't even get US banks to answer questions like this, such as ""What happens if they try to nationalize all bank accounts like in the Soviet Union?""  Response: it'll never happen. The question was what if! I think that your portfolio carries a lot of risk, but also offsets what you're worried about.  Outside of government confiscation of foreign accounts (if your foreign investments are held through a local brokerage), you should be good.  What to do about government confiscation?  Even the US government (in 1933) confiscated physical gold (and they made it illegal to own) - so even physical resources can be confiscated during hard times. Quite a large portion of my foreign investments have been bought at an   expensive time when our currency is already around historic lows,   which does concern me in the event that it strengthens in future. What   strategy should I take in the future if/when my local currency starts   the strengthen...do I hold my foreign investments through it and just   trust in cost averaging long term, or try sell them off to avoid the   devaluation? Are these foreign investments a hedge?  If so, then you shouldn't worry if your currency does strengthen; they serve the purpose of hedging the local environment.  If these investments are not a hedge, then timing will matter and you'll want to sell and buy your currency before it does strengthen.  The risk on this latter point is that your timing will be wrong."


CFD's are highly speculative so they should represent a very small proportion of your asset allocation(4% or less). If you need the 100 for food or rent then definitely not.  However if you have some money spare that you could afford to lose(you will definitely need more than 100) and you are prepared to put the time and effort it to learn and manage your risks carefully then there is no reason why you shouldn't try it.  I would advise against trading on a demo account for learning. Most of what you need to learn is how to stick to your plan while under emotional pressure. I also wouldn't call it gambling but managing risk. The best traders only win half of their trades so they might have a losing streak of 5, 10 or 20 trades. If they are trading 5% of their capital with each trade then poof they're out. Their winning trades might make 10-100 times the amount risked so they know that it is more profitable to always only risk around 1%. Sticking to that requires discipline.   This page has a pretty comprehensive introduction: http://cfdtradingo.com/what-is-cfd-trading/


There are lots of good points here already, but something that hasn't been mentioned yet is what would happen if the purchased items break or are somehow defective? Depending on the warranty and how trustworthy the company is, there could be an advantage to not having fully paid for the item yet when a defect is discovered, as it might incentivize the company to be more attentive to your warranty claim, since they are faced with knowing that you could stop making payments if they don't act in a timely manner. Note I'm not suggesting you stop making payments in this case, just that companies (and banks) are oftentimes more willing to work with you when you owe them money.


You seem to think that rich people have money just lying around. They don't, inflation takes care of that.  All money is in circulation, it's invested in companies. Who buy products from other companies with that money, and they buy products from other companies... etc. All of them employ people. All of them produce something worthwhile.


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Put one of your monthly bills on it.  (Utility bill, Netflix, monthly donation to charity, etc.) I have several automatic, recurring monthly charges on my credit card. If you don't have any current monthly bills that you want to switch, contact the Red Cross, or a charity of your choice. They would be very happy to charge your credit card once a month. Alternatively, it might be okay to let it close.


"As long as you paid 100% of your last year's tax liability (overall tax liability, the total tax to pay on your 1040) or 90% of the total tax liability this year, or your underpayment is no more than $1000, you won't be penalized as long as you pay the difference by April 15th. That's per the IRS. I don't know where the ""10% of my income"" came from, I'm not aware of any such rule."


One way or another the coast will be shifted onto either eployees or the consumers. This guy is just blowing air out of his ass. >More than 30 million Americans will get insurance under the Affordable Care Act. Tens of millions more will be protected from underinsurance, annual and lifetime limits, and unfair price increases. If the downside of this is that my pizza costs 20 cents more, that seems a pretty small price to pay.  http://edition.cnn.com/2012/08/09/opinion/carroll-health-care-act/index.html


Don't buy the new car. Buy a $15k car with $5k down and a 3 year loan and save up the rest for your car. A $500/mo car payment is nuts unless you're making alot of money. I've been there, and it was probably the dumbest decision that I have ever made. When you buy a house, you end up with all sorts of unexpected expenses. When you buy a house AND are stuck in a $500/mo payment, that means that those unexpected expenses end up on a credit card.


Imagine the bank loaning 100% of the sum of money you needed to buy a house, if the valuation of the house decreases to 90% of the original price after 3 months, would it be unfair for them to ask them for 10% of the original price from you immediately? I suppose the rationale for loaning 80% is so that you will fork our 20% first, and so your property is protected from fluctuations in the market, that they do not need to collect additional money from you as your housing valuation rarely drops below 80% of the original price. Banks do need to make money too, as they run as a business.


How ironic that the stores that cater to the well to do set like Tiffany's are doing record volume sales where as stores like Sears and K mart that sell to the 99% downtrodden of us folks are in a jam. Just another indicator of how treacherous things are on this side of the economic fence....geesh


"QUICK ANSWER What @Mike Haskel wrote is generally correct that the indirect method for cash flow statement reporting, which most US companies use, can sometimes produce different results that don't clearly reconcile with balance sheet shifts.  With regards to accounts receivables, this is especially so when there is a major increase or decrease in the company's allowances for doubtful accounts. In this case, there is more to the company's balance sheet and cash flow statements differences per its accounts receivables than its allowances for doubtful accounts seems responsible for.  As explained below, the difference, $1.25bn, is likely owing more to currency shifts and how they are accounted for than to other factors. = = = = = = = = = = DIRTY DETAILS Microsoft Corp. generally sells to high-quality / high-credit buyers; mostly PC, server and other devices manufacturers and licensees.  It hence made doubtful accounts provisions of $16mn for its $86,833mn (0.018%) of 2014 sales and wrote off $51mn of its carrying balance during the year. Its accounting for ""Other comprehensive income"" captures the primary differences of many accounts; specifically in this case, the ""foreign currency translation"" figure that comprises many balance sheet accounts and net out against shareholders' equity (i.e. those assets and liabilities bypass the income statement).  The footnotes include this explanation: Assets and liabilities recorded in foreign currencies are translated at the exchange rate on the balance sheet date. Revenue and expenses are translated at average rates of exchange prevailing during the year. Translation adjustments resulting from this process are recorded to other comprehensive income (“OCI”) What all this means is that those two balance sheet figures are computed by translating all the accounts with foreign currency balances (in this case, accounts receivables) into the reporting currency, US dollars (USD), at the date of the balance sheets, June 30 of the years 2013 and 2014. The change in accounts receivables cash flow figure is computed by first determining the average exchange rates for all the currencies it uses to conduct business and applying them respectively to the changes in each non-USD accounts receivables during the periods. For this reason, almost all multinational companies that report using indirect cash flow statements will have discrepancies between the changes in their reported working capital changes during a period and the dates of their balance sheet and it's usually because of currency shifts during the period."


I am not a lawyer or a tax accountant, but from the description provided it sounds to me like you have created two partnerships: one in which you share 50% of Bob's revenue, and another in which you share 50% of the revenue from the first partnership. If this is the case, then each partnership would need to file form K-1 and issue a copy to the partners of that partnership. I think, but I'm not sure, that each partnership would need an Employer Identification Number (EIN; you can apply for and receive these online with the IRS). You would only pay tax on the portion of profits that are assigned to you on the K-1. (If you've accidentally created a partnership without thinking through all the ramifications, you probably want to straighten this out. You can be held liable for the actions of your partners.) On the other hand, if your contract with Bob explicitly makes you a contractor and not a partner, then Bob should probably be issuing a 1099 to you. Similarly for you and Joe -- if your contract with Joe makes him a subcontractor, then you may need to get an EIN and issue him a 1099 at the end of the year. The money you pay to Joe is a business expense, and would be deducted from the profits you show on your Schedule C. In my opinion, it would be worth the $200 fee paid to a good CPA to make sure you get this right.


There is a difference between trading which is short term focussed and investing which is longterm focussed. On the long term what drives stock prices is still the overall economy and the performance of the underlying business aspects. I do not think that any trading algorithms will change this. These are more concerned with short term profits regardless of the underlying business economics. Therefore I think that longterm investing using index funds is still a viable strategy for most private investors.


Financial panics tend to last about 7 years.  I mean, there may be nothing at all unusual about this last one.  Having a steady hand, not panicking may turn out to be the right course.  The US isn't Japan primarily because our population is still growing and we have a shitload of natural resources.  So there is reason to believe we'll come out of the financial panic in roughly the same timeframe as prior financial panics.


> monstrous position on water availability  ...except the stock posts on *that* subject are more like your Quik Rabbit one.  [Read that](https://www.arb.ca.gov/fuels/lcfs/workgroups/lcfssustain/hanson.pdf). Look at the water-use chart on P. 4., sprinkled with *millions of acre feet* **per year**. That OMG!27million *gallons*!! is about **83 acre feet**.  Disclaimer: I neither live in California nor work for Nestle.


First step, pull a copy of your credit report, and score. You should monitor that score and do what you can to bring it up. Your chances are far better if (a) you first save a sizable downpayment, and (b) go with a local bank that doesn't just write the mortgage and sell it. Better still, go to that local bank and inquire about REO (real estate owned by the bank) property. These are properties they foreclosed on and depending how they are carrying them, you might find decent opportunities. As a matter of logic, a local bank that owns these specific properties (as compared to debt pools where big banks have piles of paper owned fractionally) are more willing to get a new owner in and paying a new loan.  Congrats on the new, higher, income. I'd suggest you first build the emergency fund before the downpayment fund. Let us know how it goes.


Honestly I don't mind that they make money off of my resume. Where the rubber hits the road I put my resume out into the world in order for potential employers to find me. That's why I had a Monster profile and a Careerbulder oen as well. In fact, the best and most stabel jobs I have had have coem from employers reachign out to me as opposed to the other way around.


> Meaning if the were allowed to opt out of this monopoly service provider they would.  They can do so at any time.  Since they are rich they can afford a plane ticket to any country of their choosing.  Oh, they are staying?  Then they have chosen this government.


"Some people will drone on about ""maintaining power"" or ""projecting power.""  The money we're wasted over the last 2 decades on wars in the middle east (and elsewhere) have absolutely *nothing* to do with power projection and everything to do with profits.  The most effective form of power projection accomplishes its goals without firing a shot, but that doesn't put dollars in pockets.  Whether it's a data center in Utah, or drone strikes in Somalia, National Security is not the purpose: Money is."


As I understand agency trading is where you execute an order on behalf a client, what I don't understand is what is where the skill comes in. You're not running a book, so you don't warehouse risk/manage it, and so where does the skill enter especially when it comes to stock trades?


Governments only have a few ways to get income: tax income, tax consumption, tax property (cars & boats), tax real estate, or tax services (hotel & meals). The National, state, county, city, and town taxing authorities determine what is taxed and what the rate will be to get enough money to run their share of the government. In general the taxing of real estate is done by the local government, but the ability to tax real estate is granted to them by the state. In the United States the local government decides, generally through a public hearing, what the rate will be. You can usually determine the current rate and tax value of the home prior to purchase. Though some jurisdictions limit the annual growth of value of the property, and then catch it up when the property is sold. That information is also in  public records.   All taxes are used to build roads, pay for public safety, schools, libraries, parks.. the list is very long. Failure to pay the tax will result in a lien on the property, which can result in your losing the property in a tax sale.  Most of the time the bank or mortgage company insists that your monthly payment to them includes the monthly portion of the estimated property tax, and the fire insurance on the property. This is called escrow. This makes sure the money is available when the tax is due. In some places is is paid yearly, on other places every six months. With an escrow account the bank will send the money to the government or insurance company. Here is the big secret: you have been indirectly paying property tax. The owner of the apartment , townhouse, or home you have been renting has been paying the tax from your monthly payment to them.


"There are (at least) two problems with the argument suggested in the OP. First, the ability to cover the cost, doesn't mean willingness, ease, or no major side effects of doing so. Second is the mitigation of ""upside risk"". It might be true that the most usual loss is small and manageable, but 10% of incidents could be considerably larger and 1% may be very much larger - without limit.  Your own attitude to risk and loss will determine how much these are seen as unlikely+ignore, or worst case situation+avoid."


I think that definitely has a part of it so many women I know think they are friends with people that I know for a fact are not their friends, like that's not your friend she's your roommate and she avoids you to not hang out with you.


"Umm, it depends on the transaction but a lot of transactions get done on a ""cash free / debt free"" basis.  Meaning, I'll pay you 5x EBITDA (or $500) and you deliver the company without any cash or debt subject to a ""standard"" amount of working capital.  Ultimately, you're confusing enterprise value and equity value.  The two companies may have different purchase prices (equity values) but they should have very similar enterprise values (given the hypothetical scenario you put together)."


One factor I haven't seen mentioned is volume.  Suppliers will charge a slightly lower price to the station if they buy in full tanker truck loads instead of smaller quantities.  Where I am this is probably still the largest factor in price spread with all newer bigger stations being 20-30 cents cheaper than the old small ones (often a repair shop with 2 pumps out front); the only reason it's slowly becoming less pronounced is that the old small stations are steadily closing up as their tanks fail leak inspections because they don't sell enough gas to justify repair and replacement.


Really, you should only use words you understand - particularly if you're going to throw _one single word_ into an argument and act as if that's all you need to say.  If the price were perfectly elastic, then for every increase in cost in airline flights, people would spend exactly enough less on flights to counteract that.    What you mean is that price _inelasticity_ will mitigate this.  But in fact, since the elasticity of the market is almost certainly negative like almost all markets, the airlines will in fact lose some money for every such tax put on them;  less money than the cost of the tax, yes, because of the inelasticity of the market, but some.  [Source.](http://en.wikipedia.org/wiki/Price_elasticity_of_demand)


"This answer will expand a bit on the theory. :) A company, as an entity, represents a pile of value. Some of that is business value (the revenue stream from their products) and some of that is assets (real estate, manufacturing equipment, a patent portfolio, etc). One of those assets is cash. If you own a share in the company, you own a share of all those assets, including the cash. In a theoretical sense, it doesn't really matter whether the company holds the cash instead of you. If the company adds an extra $1 billion to its assets, then people who buy and sell the company will think ""hey, there's an extra $1 billion of cash in that company; I should be willing to pay $1 billion / shares outstanding more per share to own it than I would otherwise."" Granted, you may ultimately want to turn your ownership into cash, but you can do that by selling your shares to someone else. From a practical standpoint, though, the company doesn't benefit from holding that cash for a long time. Cash doesn't do much except sit in bank accounts and earn pathetically small amounts of interest, and if you wanted pathetic amounts of interests from your cash you wouldn't be owning shares in a company, you'd have it in a bank account yourself. Really, the company should do something with their cash. Usually that means investing it in their own business, to grow and expand that business, or to enhance profitability. Sometimes they may also purchase other companies, if they think they can turn a profit from the purchase. Sometimes there aren't a lot of good options for what to do with that money. In that case, the company should say, ""I can't effectively use this money in a way which will grow my business. You should go and invest it yourself, in whatever sort of business you think makes sense."" That's when they pay a dividend. You'll see that a lot of the really big global companies are the ones paying dividends - places like Coca-Cola or Exxon-Mobil or what-have-you. They just can't put all their cash to good use, even after their growth plans. Many people who get dividends will invest them in the stock market again - possibly purchasing shares of the same company from someone else, or possibly purchasing shares of another company. It doesn't usually make a lot of sense for the company to invest in the stock market themselves, though. Investment expertise isn't really something most companies are known for, and because a company has multiple owners they may have differing investment needs and risk tolerance. For instance, if I had a bunch of money from the stock market I'd put it in some sort of growth stock because I'm twenty-something with a lot of savings and years to go before retirement. If I were close to retirement, though, I would want it in a more stable stock, or even in bonds. If I were retired I might even spend it directly. So the company should let all its owners choose, unless they have a good business reason not to. Sometimes companies will do share buy-backs instead of dividends, which pays money to people selling the company stock. The remaining owners benefit by reducing the number of shares outstanding, so they own more of what's left. They should only do this if they think the stock is at a fair price, or below a fair price, for the company: otherwise the remaining owners are essentially giving away cash. (This actually happens distressingly often.) On the other hand, if the company's stock is depressed but it subsequently does better than the rest of the market, then it is a very good investment. The one nice thing about share buy-backs in general is that they don't have any immediate tax implications for the company's owners: they simply own a stock which is now more valuable, and can sell it (and pay taxes on that sale) whenever they choose."


"The sad part about this, IMHO, is that almost all of this new debt is ""bad debt"".  Meaning it hasn't really gone into productive endeavors. Just stock buy-backs and such.  So it has had minimal positive effects but is likely to be a drag on future growth for decades."


"I dislike shopping for some stuff from Amazon because they actually suck at a lot of key e-commerce things.  Their search is pretty bad for some stuff.  Computer parts, for example.  The pricing/shipping games-- ""Here are 82 sellers, some of which count towards the 'buy $25 and get free postage and some that don't""  This is especially bad for things like books, where used is just as good in most cases.  Teasy free shipping.  You have massive warehouses in my home town.  You can ship any of these items same day if I pay 12 bucks for the privilege.  Don't tell me you can't get it to me in less than 10 days if I select free shipping.  The constant ""are you really really really sure you don't want Prime?""  Seeming random pricing.  I like manga, and it's worthwhile to order 3 or 4 volumes at a time to get to the free shipping tier.  But you'll have ""Volume 11: $9.75, Volume 12: $15.40, Volume 13: $9.75"".  Other vendors (RightStuf comes to mind) seem to at least have consistent across-the-board pricing and discounts."


The effect is that employers are taking more skilled workers so teenagers and unskilled people won't be able to find work. Also those that are employed work fewer hours - which means: do the same work in less hours so we dont have to pay you more. How is this a good strategy for the city? If you were a business owner and your labor costs went up 34% in six months you'd cut staff and make them work harder.


"That's it hmmmm.... Identifying and supporting products good for the business is what you need the CEO to do. A good CEO who can demo the company's newest product is a PLMs greatest asset. I'm not saying JObs was god, but to say ""that's it"" is off the mark."


"I've taken Calculus I-III, ODEs, Linear Algebra, PDEs and a few numerical methods classes.  No back ground in statistics.  I ""speak"" Python, Matlab, and some C++.  Is this enough formal background to self-educate?  Also, wouldn't it make the most sense to write things in C++ or a lower level language?  Seems like speed of algorithms would be of utmost importance here."


Sales tax permits come from the state in which your business is operating.  You need a business license first for them to issue you one. US sales taxes are collected by the business and remitted to the government, you need the permit in order to do this. A bigger question is whether it's legal for you to engage in business in the first place.  What is your visa status?


"Why are they calling it freelance? It used to be called self-employed.  Freelance used to mean low wage or no wage gigs and was all about the experience and connections you made which would help propel you into what you wanted.   Now people are talking about it as though its the way of the future?  As an accountant, I understand the long term value of labor subcontractors. Pretty much. . . if you think your job can be done at home, it can be subcontracted out to somebody else who does not have to be a full time employee. Kinda like the, ""Can a robot take my job,"" sorta thing?  In summary, genuinely good/original talent is wasted on ""freelance,"" because the creator isn't given the tools to make his/her best work when that work is finding them. . . and lining up one after the other."


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"I'm the contrarian on this forum. Since you asked a ""should I ..."" question, I'm free to answer ""No, you shouldn't increase your limit. Instead, you should close it out"". A credit card is a money pump - it pumps money from your account to the bank's profit margins. When I look at my furniture and the bank's furniture, I know exactly who needs my money more (hint: it's not the bank). Credit cards change people's spending patterns. In my first day of training as a Sears salesman, the use of the card was drummed into our heads. People purchase on average 25% more when they use a card than when they pay cash. That's good if you're a retailer or the lender (at that time Sears was both), but no good if you're a consumer. Build up a $1,000 emergency fund (for emergencies only, not ""I need a quick latte because I stayed up too late last night""), then savings for 6 to 12 months living expenses. Close and cut up the credit card. Save up and pay cash for everything except possibly your house mortgage. If you have that much cash in the bank, the bankers will be as willing to talk to you as if you had an 800+ score. I have lived both with and without debt. Life without debt is well worth the short term sacrifice early on."


"Also note that a share of voting stock is a vote at the stockholder's meeting, whether it's dividend or non-dividend. That has value to the company and major stockholders in terms of protecting their own interests, and has value to anyone considering a takeover of the company or who otherwise wants to drive the company's policy. Similarly, if the company is bought out, the share will generally be replaced by shares in whatever the new owning company is. So it really does represent ""a slice of the company"" in several vary practical ways, and thus has fairly well-defined intrinsic value linked to the company's perceived value. If its price drops too low the company becomes more vulnerable to hostile takeover, which means the company itself will often be motivated to buy back shares to protect itself from that threat. One of the questions always asked when making an investment is whether you're looking for growth (are you hoping its intrinsic value will increase) or income (are you hoping it will pay you a premium for owning it). Non-dividend stocks are a pure growth bet. Dividend-paying stocks are typically a mixture of growth and income, at various trade-off points. What's right for you depends on your goals, timeframe, risk tolerance, and what else is already in your portfolio."


I think I would simply find a friendly local who is willing to Paypal you for cash.


> Walmart only concerns its self with the needs of shareholders.   All publicly traded companies concern themselves with the needs of the shareholders, they are the people that own the company, thats how publicly traded companies work... Why do you get upvoted in /r/business for saying such silly things?


Actually they're the ones doing the suing. But it sounds like it's just to save face. The study seems pretty ironclad and CBC is usually reputable in cases like these.   For those wondering, a Canadian firm went out and grabbed some Subway/Mcdonalds/Wendy's chicken and measured actual chicken content. McDonalds and Wendy's came back with 80%+ chicken. Subways chicken Teriyaki came back with over 50% soy content.


"Okay. An ETF is an ""Exchange Traded Fund"". It trades like a stock, on the stock market.  Basically by buying one ETF, you can have ownership in the underlying companies that make up the ETF. So, if you buy QCLN, a green energy ETF, you own Tesla, First Solar Inc, SunPower Corporation, Vivint Solar, Advanced energy industries and a bunch of other companies that are involved in clean energy.   It allows you to gain exposure to a sector without having to buy individual companies.  There are ETFs for lots of different things. Technology ETFs, Healthcare ETFs, Consumer Staples ETFs, Utilities ETFs, etc.  REITS are essentially the same thing, except they own real estate."


I remember reading in an earlier version of Pub 590 (or possibly the Instructions for Form 8606) that timely contributions for Year X to an IRA are deemed to have been made on January 1 of Year X regardless of when they were actually made, but I don't seem to be able to find it now in current versions of Pubs 590a or 590b and so cannot include a citation of chapter and verse. Be that as it may, the calculations on on Form 8606 Part I effectively track basis on an annual basis rather than on a daily basis, and so the fact that the Traditional IRA has a zero balance (and basis 0 too) at some time during the year doesn't matter in the least.  In detail (though you didn't ask for it) Note that the whole $6500 that you put in remains non-deductible in its entirety, but you owe taxes on only $93,900 of that $100K that you rolled over into a Roth IRA and not on the whole $100K as you were assuming would have been the case. So, in effect, of that $6500 nondeductible contribution to your Traditional IRA, you did really get to deduct $6100 from your taxable income for 2016, and make only a $400 nondeductible contribution, exactly equal to your basis in your Traditional IRA as per the Form 8606 calculations.  I can only assume that the software package that you are using reproduces the above calculations exactly and does what the IRS says you must do on Form 8606 rather than what you get by tracking the basis on a daily basis. IRS regulations and instructions are not necessarily the same as what the tax law says; they are interpretations of the tax law based on what the IRS understands the tax law to say. People have challenged various specific IRS regulations and interpretations as being different from what the law says in Tax Court and been successful in some cases and failed in others. If you believe that tracking basis on a daily basis is what the law says (instead of just being reasonable and rational: reasonableness and rationality are not required either of Congress in the laws that they write or the IRS regulations that interpret the laws), you should take up the matter with the IRS or the Tax Court.


Finance encompasses many disciplines. What aspect of finance would you like to work in? A hedge fund analyst is very different from a portfolio manager who is also very different from an accountant. All of those would technically fall under finance, but your background for those careers would be very different.


Note that the rules around wash sales vary depending on where you live. For the U.S., the wash sale rules say that you cannot buy a substantially identical stock or security within 30 days (before or after) your sale. So, you could sell your stock today to lock in the capital losses. However, you would then have to wait at least 30 days before purchasing it back. If you bought it back within 30 days, you would disqualify the capital loss event. The risk, of course, is that the stock's price goes up substantially while you are waiting for the wash sale period. It's up to you to determine if the risk outweighs the benefit of locking in your capital losses. Note that this applies regardless of whether you sell SOME or ALL of the stock. Or indeed, if we are talking about securities other than stocks.


Yes, all the upsides, none of the downsides. I always say if I released 200 million gallons of oil in the Gulf Of Mexico, by accident OR on purpose, I would have gone to jail for a long time. BP did this and didn't go to jail. None of the execs were locked up, they not stopped from participating in the economy (as I would have been on the account I would be in jail), nothing but a fine. A small fine at that,  for the damage they did. They are more important than the citizens in this greedy country.


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"Yes, you as the giver will owe US gift taxes if you give her that sum directly. You can reduce it by taking advantage of the threshold being by person. So, for example, if you and your wife each gave your daughter $17k, you'd individually be under the threshold and wouldn't owe gift tax, even if the money comes from and goes to the same account. Given the time of year, you could give her that now and another $34k in January (next tax year) and avoid the gift tax. If she doesn't need all the money immediately, that's the simplest solution. If she does need it all now, and you don't want to try arranging to  ""launder"" the money through relatives' gift allowances (which I think would be legal and legitimate, actually), the other solution is to set this up as an intra-family loan. Web searching that phrase will find details, but it essentially lets you spread the gift over multiple accounting years and pay income tax on a minimal amount of interest (can be under 0.3%, which you'd also gift her with) rather than paying gift tax. It does require some paperwork to document and track it properly, but it isn't bad. (I did this when making a large ""bridge loan"" to help a relative buy their new house before the old one had sold. In that case it really was a loan, though; I'm being paid back out of the proceeds from the sale.)"


"Another thing that ""retirement"" lets you do is do what you love without worrying about making enough money to live on by doing it.  For example, volunteering your time or starting your own business.  These are much easier to do when you don't have to worry about getting paid. Having a source of income provides a lot more freedom to pursue what you love."


The best thing you can do here is work with the IRS to the best of your ability.  You can attempt to call them, attempt to go to one of their local branches in your area, or just hire an accountant to solve the problem.  Just be mentally prepared to write a check.   You could attempt to figure this all our yourself, but then a lot of tax law is open to interpretation.  This is why I would recommend seeking the IRS's help if you DIY.  Once you have addressed the issue to the satisfaction of the IRS agent, this will no longer be a problem.  Provided you have a good attitude (which you express in your question) and are honest, I have found them very easy to work with.  You will be a refreshing change of pace to the actual tax cheats. While I understand that you are not seeking advice on what got you your situation, I would like to offer some encouragement.  Good for you for learning from, and addressing your mistakes.  Doing this will serve you well in the future.


Sure you can. Obviously it means your company will make less profit, saving you 20% corporation tax, while your personal income will be higher, meaning you will likely spend more than 20% in income tax and National Insurance contributions.


Returns: Variable, as with all investments. Legitimate: Contact the usual major investment-fund houses.


Both, I own and utalize a ton of Google products but anything outside their advertising or data is lacking long term vision and listless. Reminds of a kid getting bored with their toy in 15 minutes. Makes me fearful for their 20 year+ dominance if their advertisement business slowly gets more competition.  They won't be going anywhere, but I don't think they will continue to take over the world.


In Canada, internships aren't as popular. We have co-op work terms during alternating semesters. When I was a coop student, I got about $15-20 per hour, and that was 2005-2007. Coop students at my current job make about $20-30 depending on their degree and year.   That aside, I had a bad sales experience in one of my work terms. Basically exactly the same, cold calls all day, and if I got a lead, I would go to their office and present the plan. I hated it. I slugged it out, got a mediocre review, but my next work term I did really well and thus began my slightly different career in supply chain mgmt.   I still miss finance, and i build family members and friends their investment portfolios. One day I'll start my own consulting business, maybe do it on the side.


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"An annuity is a product. In simple terms, you hand over a lump sum of cash and receive an agreed annual income until you die. The underlying investment required to reach that income level is not your concern, it's the provider's worry. So there is a huge mount of security to the retiree in having an annuity. It is worth pointing out that with simple annuities where one gives a lump sum of money to (typically) an insurance company, the annuity payments cease upon the death of the annuitant. If any part of the lump sum is still left, that money belongs to the company, not to the heirs of the deceased. Fancier versions of annuities cover the spouse of the annuitant as well (joint and survivor annuity) or guarantee a certain number of payments (e.g. 10-year certain) regardless of when the annuitant dies (payments for the remaining certain term go to the residual beneficiary) etc. How much of an annuity payment the company offers for a fixed lump sum of £X depends on what type of annuity is chosen; usually simple annuities give the maximum bang for the buck. Also, different companies may offer slightly different rates. So, why should one choose to buy an annuity instead of keeping the  lump sum in a bank or in fixed deposits (CDs in US parlance), or  invested in the stock market or the bond market, etc., and making periodic withdrawals from these assets at a ""safe rate of withdrawal""? Safe rates of withdrawal are often touted as 4% per annum in the US,  though there are newer studies saying that a smaller rate should be used.  Well, safe rates of withdrawal are designed to ensure that the retiree does not use up all the money and is left destitute just when medical bills and other costs are likely to be peaking.  Indeed, if all the money were kept in a sock at home (no growth at all), a 4% per annum withdrawal rate will last the retiree for 25 years. With some growth of the lump sum in an investment, somewhat larger withdrawals might be taken in good years, but that 4% is needed even when the investments have declined in value because of economic conditions beyond one's control. So, there are good things and bad things that can happen if one chooses to not buy an annuity. On the other hand, with an annuity, the payments will continue till death and so the retiree feels safer, as Chris  mentioned.  There is also the serenity in not having to worry how the investments are doing; that's the company's business. A down side, of course, is that the payments are fixed and if inflation is raging, the retiree still gets the same amount. If extra cash is needed one year for unavoidable expenses, the annuity will not provide it, whereas the lump sum (whether kept in a sock or invested) can be drawn on for the extra expense. Another down side is that any money remaining is gone, with nothing left for the heirs. On the plus side, the annuity payments are usually larger than  those that the retiree will get via the safe rate of withdrawal method from the lump sum. This is because the insurance company is applying the laws of large numbers: many annuitants will not survive past their life expectancy, and their leftover monies are pure profit to the insurance company, often more than enough (when invested properly by the company) to pay those old codgers who continue to live past their life expectancy. Personally, I wouldn't want to buy an annuity with all my money, but getting an annuity with part of the money is worthwhile. Important: The annuity discussed in this answer is what is sometimes called a single-premium or an immediate annuity.  It is purchased at the time of retirement with a single (large) lump sum payment. This is not the kind of annuity that is described in JAGAnalyst's answer which requires payment of (much smaller) premiums over many years. Search this forum for variable annuity to learn about these types of annuities."


My initial impressions (yes, its me whos starting next month) are mixed. Good because: >The company expects to use the proceeds from this transaction for general corporate purposes.  Bad because a major stakeholder pulling out is not exactly positive. But as the tech industry goes, things can be fickle, so its very understandable.   Just wondering what some of the veterans, esp in the industry, here think about this one and what it means for someone who's about to start there....or if it is kind of moot.


There's no need for joint accounts to transfer money between you. You can always transfer money to him in Israel to his Israeli account. Having joint account will pose a couple of issues. If the account is in Israel - you will be liable for FBAR/FATCA reports. If the account is in the US - your son will be liable for similar reports in Israel. Joint account also means there's an ambiguity about what belongs to whom and is transferred in what direction. You'll have issues with gift tax reporting/liabilities. Your son can open a USD account in Israel and you can wire money there or send him checks (that would take longer). Or, you can wire money directly to his ILS account.


You have just answered your question in the last sentence of your question:  More volume just means more people are interested in the stock...i.e supply and demand are matched well. If the stock is illiquid there is more chance of the spread and slippage being larger. Even if the spread is small to start with, once a trade has been transacted, if no new buyers and sellers enter the market near the last transacted price, then you could get a large spread occurring between the bid and ask prices. Here is an example, MDG has a 50 day moving average volume of only 1200 share traded per day (obviously it does not trade every day).  As you can see there is already an 86% spread from the bid price. If a new bid price is entered to match and take out the offer price at $0.039, then this spread would instantly increase to 614% from the bid price.


Ding ding ding. We've grown accustomed to not going out to steakhouses, Chili's, and everything in between (because we've had to) that now we see alternative options.   Looks like these types of places will really need to work to incentive us back inside.


UPS lost my x-mas present that I ordered for my girlfriend. if more websites allowed me to ship via fedex, I'd probably use that option. I had to come up with something else because now I can't get another of the object I'd ordered in stores, and damned if I'm having it shipped to get stolen or misdelivered a second time.


The important followup is what KIND of financial analyst do you want to be? Unless you're doing VaR or advanced quant trading/risk analysis, Excel and VBA will be much more useful for making you excel at the day to day.


> If the investor is a partner in the company then they're just as responsible for the debts of their business as any other partner.  Umm, one of the benefits of creating a corporation is to keep personal money separate from the business.  http://www.nolo.com/legal-encyclopedia/corporation-basics-29867.html  There are exceptions to that of course.  > The registered owners of the company can also be held liable for it's debts if it's a corporation.  This is false. Baring in mind that you can prove separation of assets and aren't doing anything illegal.  > Or you can always just have them sign as guarantor for your back pay.  This is of course one of the exceptions.


I would prefer to see you register in your home state, and then focus on making money, rather than spending time looking to game the system to save a few bucks.  People worry way too much about these trivial fees when they should be focused on making their business successful.  Get registered, get insurance, and then pour it on and start making money. Make $650 your target for a week's income - you can do it!  Next year's goal should be spending $50 a month on a payroll service because you're SO BUSY you can't take the extra time to pay your own social security taxes.