"I'm not a TJ hater. In fact, I would shop there if we had one within a 5-10 minute drive.  But here's a little fact we learned studying their business model in B-school: Trader Joe's basically takes the use of high-impact marketing to a new level to get you to buy stuff that isn't all that special. Most of their inventory is actually downmarket or discounted white-label merchandise that TJ repackages, rebrands as their own, and sells to you at a huge markup. They DO have *some* very high-quality items - which they display very prominently, often sell at either cost or with very small margins, and then cross-sell the shit out of you with the rest of their ""regular"" super high-margin stuff. This gives the customer the impression that they're buying something premium at a pretty good price. TJ also adopted Whole Foods' marketing techniques, like displaying their ""fresh"" cut flowers right up front in wholesome-looking baskets, even though those flowers are probably several days old. They also take advantage of a big, very well managed national supply chain to cut costs even further.  They also have excellent customer service and the best pumpkin ice cream I have ever tasted (seriously, check it out). Great business. But they're a premium upmarket chain that wishes to stay there. Their business model would never work for a traditional national chain like Kroger, Harris Teeter or Dominick's."


Keep in mind that in order to fund your online casino account, you either had to provide credit/debit card info, or you had to give them your bank account number band routing number already. Now, assuming you've seen no fraudulent activity on your account(s) since then, and it was you who initiated the contact with them, what they're asking for is not totally unreasonable, nor is it all that unusual.  MANY companies require you to provide account/routing info to do financial business with them, which doesn't automatically equate to nefarious purposes, so don't let yourself go down that rabbit hole unless there's some other serious red flag to the situation which you haven't shared with us. It is a bit odd they'd send you a check for a portion of the winnings, but maybe that's to demonstrate good faith on their part as to why they need you to provide them information to send the remainder of your winnings. That being said, the suggestion to open a bank account solely for purposes of receiving your winnings is a good one.  I would go a step further and, once the transfer is made, go to the bank in person and withdraw it in cash.  Then you can deposit it into your regular bank account without there being any possible connection between the two, just in case you decide to indulge your fears about this. Good luck!


Look for EU banks that have US branches. Open an account there and look for the SWIFT code of your bank in US. Withdraw money using SWIFT US code.


"You know how when people called in on the Car Talk radio show (Click and Clack, I miss those guys), and while the caller asked a question about his car, really he needed marital advice? And the hosts would pounce on the part about the disagreement with family member and provide an unexpected answer (""Yeah, the trick to a using a clutch is [...], but really, if you want to learn to drive a stick shift, get your dad out of the car!"") So I'm pouncing on the part about the spouse. It sounds like you and your spouse don't always agree on saving and spending, and you want to find a way to agree on saving and spending. If you can find a coach or planner or counselor that you both like and both trust, then go for it. You're looking more for the right personality than a precise job description. Start with exploring what you do agree on: we agree we need to save money, we agree we need to have a spending plan and budget, etc. The right coach will help you get to more agreement -- the job title is less important."


The simple answer is that with the defined contribution plan: 401k, 403b, 457 and the US government TSP; the employer doesn't hold on to the funds. When they take your money from your paycheck there is a period of a few days or at the most a few weeks before they must turn the money over to the trustee running the program. If they are matching your contributions they must do the same with those funds.  The risk is in that window of time between payday and deposit day. If the business folds, or enters bankruptcy protection, or decides to slash what they will contribute to the match in the future anything already sent to the trustee is out of their clutches. In the other hand a defined a benefit plan or pension plan: where you get X percent of your highest salary times the number of years you worked; is not protected from the company. These plans work by the company putting aide money each year based on a formula. The formula is complex because they know from history some employees never stick around long enough to get the pension.  The money in a pension is invested outside the company but it is not out of the control of the company. Generally with a well run company they invest wisely but safely because if the value goes up due to interest or a rising stock market, the next year their required contribution is smaller. The formula also expects that they will not go out of business. The problems occur when they don't have the money to afford to make the contribution. Even governments have looked for relief in this area by skipping a deposit or delaying a deposit.  There is some good news in this area because a pension program has to pay an annual insurance premium to The Pension Benefit Guaranty Corporation a quai-government agency of the federal government. If the business folds the PBGC steps in to protect the rights of the employees. They don't get all they were promised, but they do get a lot of it.  None of those pension issues relate to the 401K like program. Once the money is transferred to the trustee the company has no control over the funds.


"When you're calculating the cash flows used to compute an IRR, with regard to the expenses used to calculate those cash flows:  Do you assume that expenses are going to be higher than they would be today, by using an assumed inflation rate?   Or is everything (all cash flows) assumed to be in today's dollars, and you account for inflation's effect on your actual returns at ""the end"" by subtracting off the inflation rate from the IRR?"


Yeah, but... if you look at his business practices and their global reach, no amount of policy declarations are enough to move the needle away from Trump being a globalist.  He has business ties *everywhere*, and is involved in the global economy regardless of how much his government claims to want to isolate the U.S. Trump, the man, is a globalist through and through.


A couple of thoughts. Tax benefits are the usual reasons to decide on one residency or another. International tax law is complex, and it's probably best to consult a professional. Certainly without knowing which the other country is I would not want to hazard a guess. If he is really not going to be taxed on the other country, residing there would seem sensible. But... In Canada residency for tax purposes is established for an entire year. If you are resident for more than six months your salary for the year is taxable. Conversely if you are present for less than six months you are not taxable. (This may have changed - it's been twenty years since I did this.) The other issue is healthcare. If you are not resident in Ontario you are not eligible for free healthcare, I believe. He might have to purchase supplemental insurance if he returns occasionally.


Just FYI, you're being downvoted because there's no such thing as a free lunch. We've all signed contracts and licensing agreements preventing us from doing exactly what you're asking. I sincerely doubt anyone will put their job or access at risk for you. Of what possible benefit is it to me to get you this data, knowing that there are risks to providing it?  You've got two choices: pony up or go home.


Businesses aren't a charity - they pay for work and exist for profit. They aren't supposed to have feelings. So austerity and getting the most out of your employees causes the company to become lean and efficient.   A lot of companies run with a lot of fat - just organizational bloat and inefficiency. I don't take issue with changing the culture of complacency at a company and laying people off to make the company run without unnecessarily paying a bunch of people. You wouldn't hire 3 or 4 companies to mow part of your lawn and pay them all for mowing the whole thing, you wouldnt go out to eat every day if you were on a tight budget, so why would a company carry extra employees to do the same job, and why would you expect that a company should not use a zero budgeting system?  You wrote everything to seemingly suggest that 3G is a cancer to the business world, that they do things in all the wrong ways. But they've owned Burger King for almost a decade now. They earned a 46% return over a two year period and continue to own a majority stake in burger king. I think Burger King has a better reputation now than it did then. Tim Hortons was only acquired 3 years ago. People have been bitching about how they no longer make fresh donuts since before 2010. In other words, Canadians have been becoming more skeptical of Tim Hortons since **before** the buyout from Burger King and 3G. 3G didn't significantly change the values and product, they cut costs and made it a less cushy environment. The ill will toward Tim Hortons was not caused by 3G, as you suggested.


"because bankers are crooks is a very close answer. Just accept the truth that financial industry is the only service industry that could turn into giant parasite chopping pieces from real economy. I am not anti-financial, because greed is not banker's fault, but just one significant part of human nature. Every human being has greed and fear built in it. But financial industry is the only one which is built on exploiting greed and fear. Governments are throwing gasoline canister into that fire in desperate extinguish attempts, trying to ""regulate"" but only making it worse. With all that ""counter-cybercrime"", ""counter-terrorism"" and ""counter-everything"" efforts, ordinary people will be hurt as always."


i used to buy tools there.  Craftsman used to be a trustworthy brand.  theres a branch near my house,  its almost deserted and creepy and, misfiring? would be one way to say it.  been that way for a couple years.  i feel so terrible for the people working there.  ill never buy there again  you have any information about the CEO and his Activities? not that i doubt you, just curious


You didn't say why this person or his aunt would want to give you money. What service are you performing for them? Why would he want to give you money? Simple, practical tip: If somebody offers to give you money for nothing, or a large amount of money for a trivial amount of work, there's about a 99.99% chance that this is a scam. In real life, it is disappointingly rare for millionaires to pick random strangers and give them money for nothing.


"Like most forms of insurance, health insurance is regulated at the state level. So what is available to you will depend greatly upon which state you live in. You can probably find a list of insurance companies from your state's official website. Many states now provide ""insurance of last resort"" for individuals who can't get insurance through private insurance companies. You can try looking into professional and trade associations. Some offer group insurance plans comparable with COBRA coverage, meaning you'd get a group discount and benefits but without the benefit of an employer paying 30-80% of your premiums. As a software developer you may qualify for membership in the IEEE or ACM, which both offer several forms of insurance to members. The ASP also offers insurance, though they don't provide much information about it on the public portions of their website. These organization offer other benefits besides insurance so you may want to take that in to consideration. The National Federation of Independent Business also offers insurance to members. You may find other associations in your specific area. Credit Unions, Coops and the local chamber of commerce are all possible avenues of finding lower cost insurance options. If you are religious there are even some faith based non-insurance organizations that provide medical cost sharing services. They depend upon the generosity and sense of fairness and obligation of their members to share the burden of medical expenses so their definitely not for everyone."


I am myself from Scandinavia. We had low taxes until WW2 and were largely spared the horrors of WW2 which is the main reason we are still rich. As we have increased taxes, our growth rates have stagnated in Scandinavia. We still, however, do a lot of things right, we have high taxes, but also our governments are quite efficient, we have very free markets, free trade, very little labour regulation, etc. There are many more reasons Scandinavia is succesful - it is because we are so succesful that we have been able to have high taxes and support a welfare state, not the other way around... http://www.tandfonline.com/doi/pdf/10.1080/03585522.2013.836985


"They are not selling stocks. They are selling OJ futures contracts. Selling a futures contract at 142 gives the buyer the right to buy a fixed number of pounds of orange juice concentrate (""OJ"") on a future date at 142 cents per pound. The seller has an obligation to suppy that fixed number of pounds of OJ to the buyer on the future date for 142 cents per pound. When the seller turns around and buys future contracts at 29, the seller gets the right to buy OJ on a future date at 29. This ""zeros his position"" -- meaning he's guaranteed himself the ability to deliver the pounds of OJ he was obligated to supply when he sold futures contracts at 142. And since he'll only have to pay 29 cents per pound, and he'll be selling the OJ for 142 per pound, he'll walk away with 113 cents of profit for every pound sold. You can read a blow-by-blow account of what Winthorpe and Valentine did at the end of ""Trading Places"" here and here. Note that what they did would not be legal today under the ""Eddie Murphy rule"", which prohibits trades based on illicitly obtained government information."


"Often, if your realtor and the selling realtor know each other, your realtor will ""discover"" what price the seller really wants. (Don't worry about how this is done. There will be no evidence it occurred!) Your realtor will then drop hints that you should aim for that price to ensure the deal goes smoothly. That sounds like what your realtor is doing when he says ""If you want to play ball offer them $80k."" He won't stop you from bidding lower, but he knows where you'll end up.  Price is just one part of the transaction, however. You can offer $80K, to meet their price, but also request that the seller make recommended repairs or credit you the cost. You can request that the seller cover closing costs or transfer taxes or any other costs. In short, offering the seller X doesn't mean you will pay X. I personally try to avoid credits, because although they make your effective price lower, the actual purchase price still drives things such as your loan, and in many places, your property taxes and other taxes. I would rather reduce the price than get credits. But you do what you have to do if you want the deal. You can also request that certain appliances be included, such as a refrigerator or a washing machine and dryer. You can ask for furniture, or statues in the backyard, or anything else you liked when you saw the house. In short, you offer X for the house, but you also get a bunch of other stuff that you need or want."


try to set your patriotism aside for a second and think about the situation they put people in. it's terrible.  you build friendships for 6 years, and that is actually a pretty long time, then they just deport you. how would you feel about that? it sucks. that's why H1b is crap. you might get payed better and maybe you like America better than your own country but after 6 years it's over, for most the dream ends after the time is up.


It appears very possible that Google will not have to pay any class C holders the settlement amount, given the structure of the settlement.  This is precisely because of the arbitrage opportunity you've highlighted.  This idea was mentioned last summer in Dealbreaker. As explained in a Dealbook article: The settlement requires Google to pay the following amounts if, one year from the issuance of the Class C shares, the value diverges according to the following formula: If the C share price is equal to or more than 1 percent, but less than 2 percent, below the A share price, 20 percent of the difference; If the C share price is equal to or more than 2 percent, but less than 3 percent, below the A share price, 40 percent of the difference; If the C share price is equal to or more than 3 percent, but less than 4 percent, below the A share price, 60 percent of the difference; If the C share price is equal to or more than 4 percent, but less than 5 percent, below the A share price, 80 percent of the difference.” If the C share price is equal to or more than 5 percent below the A share price, 100 percent of the difference, up to 5 percent. ... If the Class A shares trade around $450 (after the split/C issuance) and the C shares trade at a 4.5 percent discount during the year (or $429.75 per share), then investors expect a payment of: 80 percent times $450 times 4.5 percent = $16.20. The value of C shares would then be $445.95 ($429.75 plus $16.20). But if this is the new trading value during the year, that’s only a discount of less than 1 percent to the A shares. So no payment would be made. But if no payment is made, we are back to the full discount and this continues ad infinitum. In other words, the value of a stock can be displayed as: {equity value} + {dividend value} + {voting value} + {settlement value} = {total share value} If we ignore dividend and voting values, and ignore premiums and discounts for risk and so forth, then the value of a share is basic equity value plus anticipated settlement payoff.  The Google Class C settlement is structured to reduce the payoff as the value converges.  And the practice of arbitrage guarantees (if you buy into at least semi-strong EMH) that the price of C shares will be shored up by arbitrageurs that want the payoff. The voting value of GOOGL is effectively zero, since the non-traded Class B shares control all company decisions.  So the value of the Class A GOOGL voting is virtually zero for the time being.  The only divergence between GOOGL and GOOG price is dividends (which I believe is supposed to be the same) and the settlement payoff.  Somebody who places zero value on the vote and who expects dividend difference to be zero should always prefer to buy GOOG to GOOGL until the price is equal, disregarding the settlement. So technically someone is better off owning GOOG, if dividends are the same and market prices are equal, just because the vote is worthless and the nonzero chance of a future settlement payoff is gravy. The arbitrage itself is present because a share that costs (as in the article) $429.75 is worth $445.95 if the settlement pays out at that rate.  The stable equilibrium is probably either just before or just after the threshold where the settlement pays off, depending on how reliably arbitrageurs can predict the movement of GOOG and GOOGL. If I can buy a given stock for X but know that it's worth X+1, then I'm willing to pay up to X+1.  In the google case, the GOOG stock is worth X+S, where S is an uncertain settlement payment that could be zero or could be substantial.  We have six tiers of S (counting zero payoff), so that the price is likely to follow a pattern from X to X+S5 to X-S5+S4 to X-S4+S3, and climbing the tier ladder until it lands in the frontier between X+S1 and X+S0.  Every time it jumps into X+S1, people should be willing to pay that new amount for GOOG, so the price moves out of payoff range and into X+S0, where people will only pay X. I'm actually simplifying here, since technically this is all based on future expectations.  So the actual price you'd pay is expressed thus: {resale value of GOOG before settlement payoff = X} + ( {expectation that settlement payoff will pay 100% of difference = S5} * {expected nominal difference between GOOG and GOOGL = D} ) + ({S4} * {80% D}) + ({S3} * {60% D}) + ({S2} * {40% D}) + ({S1} * {20% D}) + ({S0} * {0% D})  = {price willing to pay for Class C GOOG = P} Plus you'd technically have to present value the whole thing for the time horizon, since the payoff is in a year.  Note that I've shunted any voting/dividend analysis into X.  It's reasonable to thing that S5, S4, S3, and maybe S2 are nearly zero, given the open arbitrage opportunity.  And we know that S0 times 0% of D is zero.  So the real analysis, again ignoring PV, is thus: P = X + (S1*D) Which is a long way of saying: what are the odds that GOOG will happen to be worth no more than 99% of GOOGL on the payoff determination date?


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"Within Canada, to send money to a friend online, you'd typically use the Interac e-Transfer service offered by most Canadian banks & credit unions. Here's a list of those that support it. My bank charges $1.50 to send money via Interac e-Transfer, and zero to receive. Charges are likely to vary by bank. FWIW, Interac is a not-for-profit organization & network founded about 30 years ago by some major Canadian banks to facilitate ATM, debit, and other electronic financial transactions within Canada. It's also possible at some banks to set up another person's bank account as a ""personal payee"" — at which point the account becomes available as a bill payment candidate in your online banking. I know at least three of the ""Big Five"" banks have this functionality. I use it at my own bank, but only for payees who also bank at my institution, and I'm not sure if it works between banks. You'll need to ask your candidate banks if they have such a feature, and whether it costs anything. The nice thing about the ""personal payee"" functionality is that, at least at my bank, there's no cost, so for recurring transfer scenarios it can keep costs down. To send payments outside of Canada, wire transfers remain an option – but doing so through a Canadian bank may be expensive. There exist some non-bank wire transfer providers that have more competitive fees and exchange rates.  PayPal remains an option as well."


This only applies to owners that bought the S60 models. To save money, Tesla installed the same size battery pack in both the S60 and S75 and limited the range on the S60 through software.  The S60 is cheaper than the S75 for that reason. At anytime, you can pay the difference to unlock your S60 to the range of an S75.


But in terms of a corporation, what does death penalty really mean. The buildings, employees, data, customer lists, all these things still have value. It's really just a question of whether they're broken up and sold to lots of companies, or if they reorganize into the same basic company.


"> In Germany most terror attacks are made by right-wing guys who want to save Germany from the muslim terrorists   That's absolutely not true. You know that! Please tell me about the recent right-wing ""terror attack"" against **civilians** in Germany! Also, how many terror attacks were done by Muslims at the same time against **civilians**? (I am not pro far-right wing people, but they are not the level of Muslims.)  **Hey! Did you just say hate speech about right-wing guys? Are they terrorists?**  > So the problems comes fron people saying things like you did: Muslims are terrorists. Taking a group as a whole and given them an attribute. If you say americans are fat idiots you say all of them   Repeating over and over that if someone says ""group X does such and such"" means that all members of the group do it will not work.   You just said: ""*most terror attacks are made by right-wing guys*"" and also ""*americans are fat idiots*""  I say ""terrorist attacks are carried out by Muslims"" (I did not say ""Muslims are terrorists"") and the Swedish old lady said ""Muslims shit in the street and burn cars"".  Only the ""*americans are fat idiots*"" implies that ALL Americans are fat and are also Idiots. Do you understand why? If not, I will explain further. **Do you think I think all Muslims are terrorists?**  > heres a link to the sweden Problem  No thanks! I don't needs stats from a Swedish source. Here are the stats from a [non-Swedish source](https://en.wikipedia.org/wiki/Crime_in_Sweden): Crime is up a lot. Why?  One quote: ""**In januray 2017, the the Löfven Cabinet denied the request from member parliament Staffan Danielsson to update the BRÅ statistics on crime with respect to national or immigration background of the perpetrator, as had previously been done in 1995, 2005 but the 2015 was overdue.**""  > Your Right about the nazis though. Ignoring isn't helping. Sadly I have other fights to fight ...  You have other more important fights? Like to fight ""haters"" of Muslims?   Anyway, my question was:  > **As you know, Nazis hate Jews despite Jews being one of the best and most contributing groups in society throughout history. Would you defend Jews being criticized by Nazis? If you do, do you realize what you just did?**"


There is no ETF that closely tracks oil or gasoline. This is because all existing oil and gasoline ETFs hold futures contracts or other derivatives. Storing the oil and gasoline would be prohibitively costly. Futures contracts are prone to contango and backwardation, sometimes resulting in large deviations from the price of the physical commodity. Contrast oil ETFs with metal ETFs, which track nicely. EDIT: See this article about contango. The UNG chart is particularly ugly.


It has clearly emerged in the teaching profession. Teachers in my district are paid to work from 8-3:45 on school days. Most teachers cannot finish their job in that amount of time, because of all the extra obligations teachers are forced to take on (for example, cutting janitorial staff means that teachers have to spend time cleaning their rooms every day). Most teachers put in vastly more than the 38.75 contract hours a week on site doing job related things, and are not paid any more.  Heck, many of my colleagues are probably at the school right now, prepping for next year, even though summer days are not contract days and thus unpaid.


You misunderstood my post, I know how batteries recharge. [Tesla intentionally slows down how quickly the battery can be recharged if you regularly use supercharging stations](https://electrek.co/2017/05/07/tesla-limits-supercharging-speed-number-charges/) to prevent the battery pack from losing performance prematurely. This is a limitation of the batteries that are currently being produced, however solid state batteries don't appear to have these shortcomings.


They are actually pretty common and it's the reason that anyone who takes a Board seat at a company without D&O insurance is playing russian roulette.  Now winning a shareholder suit on the merits (whether personal or derivative liability) is a whole different story - at least in Delaware Chancellery (fun fact DE has two judicial systems, one for corporate stuff with world class talent and one for everything else).    There's this doctrine called the 'Business Judgment Rule' which is a very high bar for a shareholder to overcome. Otherwise you'd see shareholder suits for every business deal that went wrong.  The other problem these Uber investors might run into is they haven't realized a loss, nor are they likely to have a negative return on the initial investment. Marking down a gain against a high water mark is an uphill battle.  Based on what it public, idk the cause of action, maybe Kalanick is going back on contractual language in his separation agreement (which is currently non-public) or that some of his actions as CEO could be considered self-dealing (again, not information currently in the public domain). Or maybe it's just a threat to put all the non-public shitty things he has done in a pleading and therefore put it in the public domain.


Is there a way in bloomberg to calculate the total return if one purchased $100 worth of 10 Year US Notes at time X and perpetually rolled the principal once the bond matured until the present?   I've been able to historically use the COMP function to compare equity and ETF total returns, but curious if this function can be expanded to measure returns against commodities, treasuries, and other debt products. Unfortunately im having trouble pulling in the appropriate continuous commodity and treasury tickers.


Don't you need ironclad sovereign debt that will never default type of trust to be a global currency? US is the closest we have at this point? If Europe wasn't on the Euro maybe you can say Germany but who else?


Pay off the Highest interest loan rate first. You must be doing something funky with how long your terms are... If you give a bit more info about your loan's such as the term and how much extra you have right now to spend it could be explained in detail why that would be the better choice using your numbers. You have to make sure when you are analyzing your different loan options that you make sure you are comparing apples to apples. IE make sure that you are either comparing the present value, future value or amortization payments...  EDIT: using some of your numbers lets say you have 5000 dollars in your pocket you have 3 options. excel makes these calculations easier... Do nothing: in 80 months your Student Loan will be payed in full and you will have 54676.08 owing on your mortgage and 5000 in your pocket(assuming no bank interest)  for mortgage: Pay off Student loan and allocate Student loans amortization to Mortgage: in 80 months you will have $47,910.65 owing on mortgage and student loan will be paid in full For mortgage: Pay 5000 on Mortgage: in 80 months student loan will be paid in full and you will have $48,204.92 owing on mortgage For mortgage:


How come when I sell stocks, the brokerage won't let me cash out for three days, telling me the SEC requires this clearance period for the transaction to clear, but they can swap shit around in under a second?   Be interesting to see what would happen if *every* transaction wasn't cleared until the closing bell.


I would look on http://seekingalpha.com/currents/earnings. You can also get copies of the conference calls for each company you are looking at. What you referred to is the conference call. The people who usually ask questions are professional analysts. I would recommend getting the transcript as it is easier to highlight and keep records of. I hope that helps


It was everyone, from the bankers, to the no doc loan officers, to the people with no or minuscule incomes applying for a home they knew they could not afford, to the people who used their home as a piggy bank, to house flippers, to speculators, to investors. Everyone has some blame, greed, what ever you want to call it. There was no one person to shoulder the blame.


Is it because the non-public info isn't directly related to the holding?   Seems like it should be illegal. If Congress was going to write a bill let's say that bans the use of oil in America, and 10 days before they release the bill to the public, 6 members of congress short oil stocks. Seems illegal to me.


Before putting any significant money into stocks, I would recommend spending at least a year paper trading.  It is amazing how much money you can lose trading stocks when you don't know what you are doing!


Do you have a good reason for keeping a US bank account?  If not, I would close it and transfer to your Canadian bank account just to simplify your life. Unless you are investing on the scale of George Soros you shouldn't be worrying too much about exchange rates.


"To answer your question: yes, it's often ""worth it"" to have investments that produce income. Do a Google search for ""income vs growth investing"" and you'll get a sense for two different approaches to investing in equities. In a nutshell: ""growth"" stocks (think Netflix, etc) don't pay dividends but are poised to appreciate in price more than ""income"" stocks (think banks, utilities, etc) that tend to have less volatile prices but pay a consistent dividend. In the long run (decades), growth stocks tend to outperform income stocks. That's why younger investors tend to pick growth stocks while those closer to retirement tend to stick with more stable income-producing portfolio. But there's nothing wrong with a mixed approach, either. I agree with Pete's answer, too."


There's a good explanation of this type of scam at the following link; It's known as a Spot-Delivery scam. https://www.carbuyingtips.com/top-10-scams/scam1.htm Also, I read this one a while back, and immediately this post reminded me of it: http://oppositelock.kinja.com/when-the-dealership-steals-back-the-car-they-just-sold-1636730607 Essentially, they claim you'll get one level of financing, let you take the car home, and then attempt to extort a higher financing APR out of you or request more money / higher payments. Check your purchasing agreement, it may have a note with something along the lines of 'Subject to financing approval' or something similar. If it does, you might be 'out of luck', as it were. Contact an attorney; in some cases (Such as the 'oppositelock.kinja.com' article above) consumers have been able to sue dealers for this as theft.


Over time, you'll have more loans, maybe a few store cards, mortgage, car loan, etc.  I'm a fan of maximizing one's wealth, and the small rebate/reward adds up over time, so I'm not against the store cards, so long as you always pay the bill in full.  As far as FICO is concerned, what they 'like' to see may not necessarily be optimum for you. I'd suggest you go about your business, and over time use the few cards that combine to give to the best benefit combination that works for you.


Generally speaking, yes, you're obliged to pay rent for the remainder of the lease term. But the landlord is obliged to mitigate damages, so if you can find a suitable tenant the landlord has to let you out of the lease.


Credit card companies are businesses. Businesses will make any decision that makes them money. So does it make them money to cancel your account? It's a simple cost-benefit analysis: you having an account with them will probably give them some benefit for very little cost to them. The only real cost associated with an open account is someone who uses the card but doesn't pay, but they're pretty sure you won't be doing that.


They're easily taken advantage of just like H1 visa folks. People can cry about expectations all they want but the real world isn't the world people expect.   If there is advantage to be taken some people will take it. And it's not DACA getting the better end of the stick that I can assure you.    As someone who consults executives and leads companies through transformation - forget the world you *want and expect*. First we deal with the world *that is* and we're honest so we can change it.    Expecting others to do what you wish is a redline throttle into a brick wall. What you want or expect doesn't fucking matter so drop it. Get real with the field you're given to work with. Then change that.


"I'm really not.  Want a different job?  Develop the skills and/or education for that job and apply.  Again, your life is in your own adult hands, excuses about circumstances, fairness, ""privilege"", etc, aren't going to change the fact that you are responsible for the outcomes in your life.  The sooner you accept that, and stop blaming everything listed above, the sooner you'll be on the road to a better life."


It's not like we have a lot of options. We have to stop climate change. Natural gas will be increasingly important, and yes it's a fossil fuel, but not nearly as bad as coal or a oil.  Before looking for dealers look at Germany. If only they didn't substitute nuclear with renewables but substituted coal and oil with renewables, they'd have eliminated most fossil fuels.


Who offered who what?  You're pretending industries are fungible. They aren't. Apple and Microsoft are not related to the MIC or big oil. Energy is a demonstrated input in every other sector in the world. Why not include (for example) agriculture in your math? It's 100% dependent on energy costs. You're isolating individual industries as if they exist outside of the greater supply/manufacturing chain and pretending that they can be swapped for one another based on the single metric of market size. Apples and oranges. Except in this case the world runs on oranges.


"You need to understand how various entities make their money. Once you know that, you can determine whether their interests are aligned with yours. For example, a full-service broker makes money when you buy and sell stocks. They therefore have in interest in you doing lots of buying, and selling, not in making you money. Or, no-fee financial advisors make their money through commissions on what they sell you, which means their interests are served by selling you those investments with high commissions, not the investments that would serve you best. Financial media makes their money through attracting viewers/readers and selling advertising. That is their business, and they are not in the business of giving good advice. There are lots of good investments - index funds are a great example - that don't get much attention because there isn't any money in them.  In fact, the majority of ""wall street"" is not aligned with your interests, so be skeptical of the financial industry in general.  There are ""for fee"" financial advisors who you pay directly; their interests are fairly well aligned with yours. There is a fair amount of good information at The Motley Fool"


There are some ETF's on the Indian market that invest in broad indexes in other countries Here's an article discussing this  Be aware that such investments carry an additional risk you do not have when investing in your local market, which is 'currency risk'  If for example you invest in a ETF that represents the US S&P500 index, and the US dollar weakens relative to the indian rupee, you could see the value if your investment in the US market go down, even if the index itself is 'up' (but not as much as the change in currency values). A lot of investment advisors recommend that you have at least 75% of your investments in things which are denominated in your local currency (well technically, the same currency as your liabilities), and no more than 25% invested internationally.  In large part the reason for this advice is to reduce your exposure to currency risk.


"You can be a great CEO without knowing anything about technology.  However, right now, there are a lot of businesses going through Schumpeter level creative destruction due to technology. In those contexts, you *need* the technological expertise *as well as* the leadership.  You wouldn't seriously suggest ""a CEO doesn't need to know anything about finance, because that's what their CFO is for"". In this context, technology is just as vital.  The strength of the team will definitely fill in for missing skill sets. If what it was just about understanding how technology works or even understanding statistics, I think you can totally rely on the team to fill that in.  However, CEO's do need to understand their business. In this context, it is a need thing, not a want thing. If the business weren't transforming in some massive fashion, they could lean on understanding the past of the business and use it to extrapolate about the present & the future. That isn't the case here. Certainly, I wouldn't expect the CEO to match their CTO for technical understanding/skills (if you can't lead people who are more competent then you, you've got no business with the job). It's about the understanding of the business."


That was a major statistic (that I can't find [Honestly I didn't look but I know it is out there]) that supporters of obama care would use. Basically they said a large portion of those that are uninsured are healthy people between the ages of 18-35, who don't see the need for health insurance, can't afford health insurance, or feel like they are never going to die or get sick so whats the point?. So the argument was: If the pool for people paying for health insurance increases, with a majority of that increase being people who will not use the system very much, then rates should drop for everyone since there are more healthy people covering for the unhealthy people.   I didn't assume, that was how it was marketed while it was being proposed.


There's a possibility to lose money in exchange rate shifts, but just as much chance to gain money (Efficient Market Hypothesis and all that). If you're worried about it, you should buy a stock in Canada and short sell the US version at the same time. Then journal the Canadian stock over to the US stock exchange and use it to settle your short sell. Or you can use derivatives to accomplish the same thing.


The problem isn't capitalism per se, but rather a failure of regulation. (Yes, purely pedantically, that means the problem *is* capitalism, but I hate saying it that way because it comes across as suggesting that capitalism in and of itself is bad)  For capitalism to work, you *must* have regulation. When regulation fails and allows (in this case) companies to become nations unto themselves and potentially abusive, then yes - that becomes problematic.


Companies straddle the line between being public and private, given that people in our society are basically required to have jobs to survive, and those are largely provided by companies.  I don't think they should be treated exactly the same as a private individual.  >Let the whiny left begin their foolishness ...  Oh, wait...  You didn't actually want to have a conversation.  Never mind.


Our Finance organization does much of their reporting out of Excel being fed out of SSAS cubes, and beyond that, there's significant need for PowerPivot charts, forecasting, and Monte Carlo simulation, as well as significant use of various plugins and VBA code.  We kept Office 365 ProPlus around for Finance and HR.  For the rest of the organization, they don't need particularly advanced capabilities for slides, drawing, or word processing, or light spreadsheet capability and we're quite content to output to PDF, Google Sheets, and other things as needed, as well as using cost free alternatives to MS Exchange/Outlook, Visio, and Project.  The collaboration is a particular plus, and Google Hangouts is really convenient working from multiple sites/screen sharing.  We've done our best to keep our data centralized and universally accessible, in lieu of living in Excel spreadsheets and MS Access databases as tribal knowledge.


It's interesting these days, I see a lot of daily deals startups taking investor money and inevitably failing...  It's a long con the other way, too - a steady paycheck for a few years with the knowledge that no amount of effort will save the company because the entire concept is wrong. Pivoting ten or twelve times just to suck more cash out of the gullible...


Electrodry is a specialist dry carpet cleaning company committed to ensuring a professional service for your home or business. For over 20 years Electrodry has been Australia's most trusted name for carpet cleaning, upholstery cleaning, drapery cleaning, and mattress cleaning for both residential and commercial premises.


A good poker player lowers the bet on the downside and increases it on the up, by 3 to 10 times. They'll win, and then when the mood swings, generally 3 -5 consecutive downs, it`s time to reduce the bet back to 1. I gambled for a year fulltime - a guest of the house you might say, and I managed to make a living using this system.


That's not how logic works.  Warren Buffet is for a FTT for one counter example.  People who make money in the stock market in honest ways want long-term stability.  If they see the financialization of the economy as counter to this goal, and a FTT as a method to mitigate that risk, then they would be for it.  If John selling Jim ten thousand cows introduces systemic risk to the economy, then yes, the rest of the market players should be compensated.


If you buy, you also have to consider what others can afford to pay. If people are not going to pay more than 50k, why buying overpriced crap for 400k, which is going to be cheap in 5 years. Just rent out and wait for a deal or cheaper rent near-by.


This isn't complicated. You either pay her a full wage and take the cost on your end or you pay her less of a wage and give her equity. You're trying to have your cake and eat it too. It's called greed. As long as you are aware of your stance feel free to screw her over as much as you're comfortable with.


We're going through this at my company right now.  The billing/accounts receivable office near us has largely been automated and they are trying to find positions for all of the displaced employees.  There are a few open positions in my office and if these employees can pass a skills test/interview, they will get to take one of our spots and stay with the company.  If they are unable to pass the skills test (Excel and basic accounting concepts), they will be laid off.  Some of these people have worked for our company for over 20 years but since they didn't bother to upgrade their skill sets over the years, many of them will be out of work.  My coworkers think I'm crazy for continuing to obtain certifications and take classes but I'm thinking towards the future.


"Thirtyfive years ago, when buying checks through one's bank was the sole option, if you got a ""business"" account with a bank, you had to buy ""business"" checks.  One difference between a ""business"" account and a personal account was that on the business account, the incorporated or unincorporated company (say Simply Wonderful Apps) had the option of changing from John Doe to Richard Roe as the Treasurer of Simply Wonderful Apps and the person signing the checks, whereas a personal account in John Doe's name could not be changed to allow Richard Roe signature authority over the account.  For a self-employed person doing business as Simply Wonderful Apps, a personal checking account would do just as well,  since the need to change the person responsible for signing checks might never arise. It was, of course, important to have a separate checking account for the business because it made book-keeping simpler and also separated business expenses deductible on Schedule C from personal expenses. But it was not necessary to have a business account or business checks to run a small business. In addition to the various advantages described in other answers, one advantage that I found for larger checks is that various money management programs could do things like print an address below the name on (computer-printable) checks so that after folding,  the check could be put into a window envelope and mailed directly. For the one check to a page format, the programs could print additional information on the blank area below the check (e.g. explanations about the check, company logo etc. So, it was convenient if one had to write several checks each month. But if  outgoing checks are infrequent and extra security is not much of an issue, there  is less reason to spend a lot extra on business style checks rather than the personal style checks."


No. You're lucky, maybe, but not really a successful investor. Warren Buffet is, you're not him. Sometimes it is easier to pick stocks to bid on, sometimes its harder. I got my successes too. It is easier on a raising market, especially when it is recovering after a deep fall, like now. But generally it is very hard to beat the market. You need to remember that an individual investor, not backed by deep pockets, algo-trading and an army of analysts, is in a disadvantage on the market by definition. So what can you do? Get the deep pockets, algo-trading and an army of analysts. How? By pooling with others - investing through funds.


outstanding shares are the shares(regular shares) that are still tradable in the market, where the firm in question is listed. The term is primarily used to distinguish from shares held in treasury(treasury stock), which have been bought back(buybacks) from the market and aren't currently tradable in the market. Wikipedia is a bit more clearer and mentions the diluted outstanding shares(used for convertible bonds, warrants, etc) which is used to calculated diluted EPS.


Moshammer Porsche Tuning Company is a reputed name in the field of tuning Porsches for a long time. People trust them immensely and they have never failed their customers. They are great at tuning not just Porsches but other cars as well. So give them a chance to get your Porsche tuned.


"If Lewis made any misrepresentations, painting the HFT firms in a bad light, he would be getting his ass sued off right now. So again, what part did he get wrong? And why are all these firms not suing him over this ""hatchet job""?  I know all the greedy HFT fuckheads are upset for being exposed as greedy HFT fuckheads, but I don't see how their hurt feelings changes the fact that they're greedy HFT fuckheads."


There are lots of thing that people will pay for if you wait long enough.  I don't know that I would consider them investments, but they go up in value.


That time I posted a piece about extended cab safety of US-manufactured trucks and /r/cars banned me for a duplicating post.  Is *Reddit* full of ban-happy mods or are they organized in some fashion to target certain redditors for headchopping...like ISIS? Is there some secret cult of *Reddit* mods afoot?


Well, I'm sold.  I just installed the app now and I'll probably use it whenever I buy stuff I won't need for a while.  I already buy a ton of stuff through Amazon, why would I spend more if I don't need to?  Although I'm a bit sad that all the categories are pretty much things I never buy.


"Excellent observation! The short answer is that you don't own the firm, you own the right to your share of the profits (or losses) for the period that you worked there.  Technically you also have the right to vote to sell or disband the company (known as demutualization).   The workers at Equal Exchange voted in a clause to our bylaws to prevent this--basically a ""poison pill."" It says that if we ever sold the company we have to pay off any debts, return any investments (at the price paid), and give away any remaining assets to another company dedicated to Fair Trade. The effect is that there is no incentive for us to sell the company, so we don't worry about all the kinds of things you would if you were focused on an ""exit strategy."" But in this sense, ""ownership"" is even more compromised, right?   Back to your question, I think the answer is ""It depends on what you mean by ownership."" It is certainly not ownership in the conventional sense. I think of it more like a trusteeship. We are stewards of the enterprise while we have the benefits given to active workers, but we have a responsibility not just to maximize our own well-being, but that of the other stakeholders (our suppliers, consumers, investors, our communities, the environment, etc), including the people who worked there before (and left part of the profits in the company as retained earnings) and those that will come after us."


"When you hear advice to buy index funds, that usually comes with two additional pieces of investment discipline advice that are important: These two elements are important to give you relative predictability in your outcome 20 years from now.  In this old blog post of mine I linked to Warren Buffett talking about this, also  mentioned it in a comment on another answer: http://blog.ometer.com/2008/03/27/index-funds/ It's perfectly plausible to do poorly over 20 years if you buy 100% stocks at once, without dollar-cost averaging or rebalancing. It's very very very plausible to do poorly over 10 years, such as the last 10 in fact. Can you really say you know your financial situation in 20-30 years, and for sure won't need that money? Because predictability is important, I like buying a balanced fund and not ""pure stocks"": http://blog.ometer.com/2010/11/10/take-risks-in-life-for-savings-choose-a-balanced-fund/ (feel a little bad linking to my blog, but retyping all that into this answer seems dumb!) Here's another tip. You can go one step past dollar cost averaging and try value averaging: http://www.amazon.com/Value-Averaging-Strategy-Investment-Classics/dp/0470049774 However, chances are you aren't even going to be good about rebalancing if it's done ""by hand,"" so personally I would not do value averaging unless you can find either a fund or a financial advisor to do it for you automatically. (Finance Buff blog makes a case for a financial advisor, in case you like that more than my balanced fund suggestion: http://thefinancebuff.com/the-average-investor-should-use-an-investment-advisor-how-to-find-one.html) Like rebalancing, value averaging makes you buy more when you're depressed about the market and less when it's exciting. It's hard.  (Dollar cost averaging is easily done by setting up automatic investment, of course, so you don't have to do it manually in the way you would with value averaging.) If you read the usual canonical books on index funds and efficient markets it's easy to remember the takeaway that nobody knows whether the market will go up or down, and yes you won't successfully time the market. But what you can do successfully is use an investment discipline with risk control: assume that the market will fluctuate, that both up and down are likely and possible, and optimize for predictability in light of that. Most importantly, optimize to take your emotions and behavior out of the picture. Some disciplines for example are: there are dozens out there, many of them snake oil, I think these I mentioned are valid. Anyway, you need some form of risk control, and putting all your money in stocks at once doesn't give you a lot of risk control. There's no real need to get creative. A balanced fund that uses index funds for equity and bond portions is a great choice."


> I can't find any instance in modern history where workers won the fight against a machine that was going to replace them.  Are you kidding me? This is what Unions do all the time: prevent any kind of new efficiency, automation, outsourcing, etc.  I am absolutely not pro-Union. Actually, I hate Unions... or what became of them.  Anyway, Unions are quite successful in what they try to do...


I don't really have anything to add, but I've been looking for a study subreddit for International Business, where people can share resources.  There doesn't seem to be one however, I wonder if that would be something worth starting. /r/InternationalBusiness is currently banned, so we could claim that from the admins if they'd let us, and start a study sub.


Dịch vụ phục hồi trần thạch cao SMY đã được áp dụng trong nhiều thập kỷ qua đối với các tòa nhà thuộc mọi loại, kích thước và điều kiện và từ các tòa nhà. Trả ít hơn và có được dịch vụ thạch cao hấp dẫn hơn với chất lượng khác nhau. Chúng tôi đang ở tuyến đầu của availing sự phân chia tuyệt vời mà tran thach cao có thể đảm bảo hoạt động kinh doanh dễ dàng, bổ sung giá trị và tăng cường tính riêng tư. Đội ngũ nhân viên của chúng tôi sẽ ủng hộ bạn ở nhiều lựa chọn thay thế có sẵn theo ý của bạn và bạn sẽ hoàn toàn được thông báo thêm và am hiểu.


"The way I am trading this is:  I am long the USD / EUR in cash. I also hold USD / EUR futures, which are traded on the Globex exchange. I am long US equities which have a low exposure to Europe and China (as I expect China to growth significantly slower if the European weakens).  I would not short US equities because Europe-based investors (like me) are buying comparatively ""safe"" US equities to reduce their EUR exposure."


This is referred to as an HSA Mistaken Distribution. An HSA mistaken distribution occurs when you take a distribution and later find out that it is not for a qualified medical expense.  For example, this could occur if you accidentally pay for a restaurant dinner with your HSA debit card.  It can also occur if you take a distribution to pay for a medical expense, but then are later reimbursed by insurance. This is discussed in the instructions for IRS forms 1099-SA and 5498-SA.  (Note: these forms are submitted by the HSA bank, not the consumer, so the instructions are addressed to them.) HSA mistaken distributions.   If amounts were distributed during the year from an HSA because of a mistake of fact due to reasonable cause, the account beneficiary may repay the mistaken distribution no later than April 15 following the first year the account beneficiary knew or should have known the distribution was a mistake. For example, the account beneficiary reasonably, but mistakenly, believed that an expense was a qualified medical expense and was reimbursed for that expense from the HSA. The account beneficiary then repays the mistaken distribution to the HSA.  You have until April 15 in the year following the refund to repay the HSA and avoid the extra tax and penalty that should be paid if you were to keep the distribution that was not ultimately used for medical expenses.  When you send the money to the HSA bank, you need to explicitly tell them that it is a mistaken distribution repayment, so that they can report it to the IRS correctly and it will not affect your contribution limits.


">Please explain who is being held down in this situation. An employment agreement is voluntary. Wages are set by supply and demand.  Please study the history of the labor movement in the United States. There's a reason we're paid actual money and not ""company bucks."" Because businesses WILL find a way to pay employees nothing if they can.   > So you want to violently intervene and kill off the livelihoods of people because they voluntarily work for a business you deem too unprofitable to exist?  No. I want to ensure that the price paid for labor matches its real cost. Again, study the labor movement.  >The jobs will be replaced by machines and the people whose jobs you killed now live 100% on the dole, likely forever. Most of the people affected will be minorities. I can't imagine a more heinous and racist act of economic violence.  Sounds like the same fucking thing people (racists) said during the labor movement.  > Individuals who would rather see perfectly able bodied people 100% on the dole rather than providing for themselves should be ashamed. Seriously, fuck you and fuck your violent and racist policies.  People who don't study history are doomed to repeat it. Seriously, fuck you and your complete and total ignorance of history and complete lack of understanding about basic economic theory."


Yep, you got me.  I misread that portion.  That must mean everything else I said must be false.  Looks like it is time for you to move on to the next uneducated poor soul and save the world, one tax loving citizen at a time....


That's a nice idea, but it isn't likely to happen at any point in the near future.  Reddit is a bad example as it is a collection of links to websites. I agree I'm here mainly for the comments, but they're nothing without the links to the websites that we need to be able to read first.   And what of other websites that don't rely purely on comments and user submitted content? Should they try donations (which doesn't really work) or.. something else?   The brilliance of the internet is that it is free. Someone in southern Sahara can potentially watch a YouTube video showing how to fix a generator, or build a water generator. That is great! Sharing of information is so important.  Assuming a whole new internet is off the cards, what then?


The problem is that you don't have the money now; so they can't know with 100% certainty that you will have it on settlement day.  What happens if you don't file the paperwork in time? or you change your mind because you think the company stock is going to go through the roof next quarter? They would have to pull the funding for the loan. The seller would be upset, and could even file for damages if the deal falls through.  It could even snowball because if they delay the sale then they can't buy the new place, which impacts another closing... Frequently lenders want to see the money for the down payment long before settlement.  They want to know the money is there, and it isn't a hidden loan. While you can point to the money in the ESPP, they would still like to see the money in a regular bank account. Even if you do convince them to delay their evaluation you can count on being asked to prove the existence of the funds in the days before closing, or they will delay giving the loan.


"That quote was from a human being who already believed that before any computers got involved.  The point of using ""AI"" here was to   > scour thousands of transcripts to ... implement a trade — in seconds.  I.e., recognize bullshit being spouted and sell stocks in response, before a human could even finish reading the words."


Yes, PMI is what the lender requires to loan you more than 8O% of the home's value. I could easily present scenarios where it's exactly the right decision to use PMI and get the purchase done. A 100K mortgage at 90% LTV will cost you $521/year in PMI.  If you are renting and struggling to get a higher downpayment, it can take quite a long time to save the additional $11K to put down. Only the buyer can know if the house is such s bargain, or if rates have bottomed, but the decision isn't so clear cut.


"Wells Fargo Shareowner Services main job is as a Transfer Agent and Dividend Paying Agent. They work on behalf of a company (say Acme Inc.) to keep track of who the shareowners are, their job is to constantly update the official record of who owns how many Acme shares. (Also, obviously, they pay out dividends). You can see how they got involved: they are the ones who were able to ""rename"" your deceased relative's shares so they are now in your name, no one else can do that. Now, however, they don't have to keep your shares, you can transfer them elsewhere if you wish. You will have to legally prove your identity, which is not difficult to do in most cases (assuming you  are in US, have a government issued ID and a bank account, and some time to do some paperwork)."


Well, one way I avoid all exchange fees is to trade currency with an individual. There's no trick, though. Just find a friend or family member on the other side of the border who wants your USD or your CAD, look up the exchange rate for the day, and hand over the money (or write each other checks). It's win-win because both sides are getting a good deal with no fees.


If your annual income is less than $45000 or so (and you expect this to change for the better in the future), it's not worthwhile to put that in an RRSP -- save your contribution room for the future years where you will gain more of a tax deduction.  There's no real downside in investing in a TFSA (what you withdraw this year can be put back in next year), so any surplus funds that you do not anticipate needing this year can be put in a TFSA to earn a bit more than the equivalent investment outside of a shelter.


Don't give them too much credit.  They aren't actually Keynesian views.  Keynes believed in paying down debts during periods of growth.  These jokers live in a neo-Keynesian fairyland where all lunches are free, and debts can be modeled away via aggregate demand.


What you're getting at is the same as investing with leverage. Usually this comes in the form in a margin account, which an investor uses to borrow money at a low interest rate, invest the money, and (hopefully!) beat the interest rate.  is this approach unwise? That completely depends on how your investments perform and how high your loan's interest rate is. The higher your loan's interest rate, the more risky your investments will have to be in order to beat the interest rate. If you can get a return which beats the interest rates of your loan then congratulations! You have come out ahead and made a profit. If you can keep it up you should make the minimum payment on your loan to maximize the amount of capital you can invest. If not, then it would be better to just use your extra cash to pay down the loan.  [are] there really are investments (aside from stocks and such) that I can try to use to my advantage? With interest rates as low as they are right now (at least in the US) you'll probably be hard-pressed to find a savings account or CD that will return a higher interest rate than your loan's. If you're nervous about the risk associated with investing in stocks and bonds (as is healthy!), then know that they come in a wide spectrum of risk. It's up to you to evaluate how much risk you're willing to take on to achieve a higher return.


"I am very tired of the age-old conservative argument for inherent ""dignity in work"".  Go fuck yourself.  Me not wanting to bust my ass for shitty pay that serves only those individuals that are of a higher class than me does not make me a lazy person.  To me, it is more dignified to work for something greater, i.e., a type of system that works for all.  Fuck anyone that thinks otherwise."


"Market cap is synonymous with equity value, which is one way of thinking of a company's ""worth.""  The alternative would be enterprise value, which is calculated as follows:  Enterprise Value = Market Value of Equity + Market Value of Debt - Cash and Equivalents - Non-Operating Assets  Enterprise value is essentially ""how much is the firm worth to ALL providers of capital."" It can be viewed as ""if I wanted to buy the *entire* company, debt and all, what would I have to pay?"""


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"As Dheer pointed out, the top ten mega-cap corporations account for a huge part (20%) of your ""S&P 500"" portfolio when weighted proportionally. This is one of the reasons why I have personally avoided the index-fund/etf craze -- I don't really need another mechanism to buy ExxonMobil, IBM and Wal-Mart on my behalf. I like the equal-weight concept -- if I'm investing in a broad sector (Large Cap companies), I want diversification across the entire sector and avoid concentration. The downside to this approach is that there will be more portfolio turnover (and expense), since you're holding more shares of the lower tranches of the index where companies are more apt to churn. (ie. #500 on the index gets replaced by an up and comer). So you're likely to have a higher expense ratio, which matters to many folks."


I'm a bot, *bleep*, *bloop*. Someone has linked to this thread from another place on reddit:  - [/r/talkbusiness] [Seattle Woman Says Her Identity Has Been Stolen 15 Times Since Equifax Data Breach](https://www.reddit.com/r/talkbusiness/comments/79uk5r/seattle_woman_says_her_identity_has_been_stolen/)  &nbsp;*^(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))*


No, no they don't. No more so than wages do. A pension is not some magical pot of money that you retire and suddenly are a billionaire. A pension payment replaces your wages. It is retirement savings.   This is like saying we should eliminate 401K's, Roth, and Keogh IRA's and simply take the money. This is like saying we should seize homes and other properties. You need to elaborate why you think paying out pensions is going to raise inflation, that doesn't make sense.


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"> ignoring everything else that was happening around them and assuming that they were the only company/ecosystem that mattered  That *can* work if your ideas are good. Apple's designs are often considered innovative, and they have a [closed architecture](http://www.computerhope.com/jargon/c/closedar.htm) product design. Microsoft just does it poorly. Apple doesn't abandon their existing fan base too often (the FCP X conversion was actually quite bad) while Microsoft seems to ignore their previous achievements and designs. They look at what they can change without the connecting pieces for why it should be changed at all. Alienating those customers they ""won"" is their issue.  I am somewhat comparing *apples and oranges* here. Apple makes consumer products with very little enterprise support when compared to Microsoft, which is the opposite.  To be clear, I don't own any Apple products but do have a few Windows computers. However, I work in technology with both platforms regularly."


"Every car company does this and its frustrating as hell.    Something much more prevalent -- even commonplace -- is the car you booked not being able... not just car (much more common), but car type.  When I travel I book flights/cars weeks if not months in advance.  I travel on the company dime and they don't care if I get a Mustang convertible, Charger RT, etc., whatever.    Again, booked weeks/months in advance.    I can't tell you how frustrating it is to get off a 5-hour flight, take a 30-minute shuttle ride to the airport rental center (here's looking at you, DFW) and get there to be told I'm getting a Kia Sorento.    I know it sounds snobbish, but I paid for the upgrade, I've still got an hour drive to XYZ, and I want something fun to drive.  And they know, and I know, that bitching and moaning does absolutely nothing.  If X car isn't on the lot, I'm not getting it, unless Jesus Christ himself comes down and brings a Hemi with him.  I always see first timers there -- dads screaming at the desk agent with the wife and kids waiting on the benches, obviously exhausted and embarrassed -- trying to get the Tahoe or whatever they reserved.  ""Let me speak to your manager.""  I have seen this maybe 5-6x, and every. single. time. the wife ends up calming the husband down, wife apologizes to the desk agent, and they take their Hyundai Santa Fe or whatever.  It's like the twilight zone every time I see it.  ""Is this family still here from last time?  Nope, new family.""  TLDR;  Convertible wasn't available, got the moped.  Kind of like a convertible, I guess."


When you buy a stock and sell a covered call, the call can't be valued higher than the stock, right? How can a call on a $10 stock sell for more than the stock?  So, the initial position of a covered call will cost you something. The transaction is a debit  to you. The net amount of the deal, usually prices as per stock/option single share.  For the image showing net credit, it's as if you expect to get paid for you to take this deal.


For about six months now, every 3-4 weeks, I get a misdelivered packaged from those idiots.  It's to the same person.  They have the same house number, Asian name like myself, but ten streets away.  First couple of times I reported this to Amazon, but I got real tired of spending my own time to help fix their problem. I figure let Amazon keep sending replacement packages and maybe they'll finally get the hint.  Meanwhile, my housekeepers have been enjoying these gifts.


Nah it's far from that simple. The effects of low interest rates will decline over time.   That's the nature of the beast. Without continuous input of bullish stimuli, and as leveraged longs grow and grow, stock market growth will become increasingly vulnerable to small shocks which turn into bigger shocks.


"Collective bargaining existed before the government officially granted people that right. Since collective bargaining would still be legal without the NLRA, understand that essentially what you're saying is that you think there should be a law that bars people from negotiating contract as a group, in the process making it near impossible have the same resources to help them that the other side has (like lawyers, analysts, economists, PR people, etc).   This would go against of right to freedom of association.  I do understand your argument though. Someone's private company is their own, to do with what they'd like. However we've been through that in this country, and child labor, unsafe working conditions, and 80 hour weeks. Having labor laws has proven beneficial for everyone (even very weak laws compared with the rest of the industrial world),  and raised living standards for millions. You may not realize it, but you have the labor movement to thank for many of the things that are just expected from employers today. Benefits, holidays, weekends, safety, overtime...without the labor movement raising standards in the private sector and pushing for govt. regulations, our working lives would look very different today.  Like all laws, there is a balance to be struck between individual rights and the common good, and what can be seen as a ""right"" for one can often be seen as a ""right to violate another's rights"" for someone else. Don't people have the right to withhold their work when they feel like their dignity is trampled on? Not everyone can own a business of their own, so are the vast majority of us who will spend our lives working for someone else expected to have as little influence in our working lives as an indentured servant? You probably tow the libertarian line. However good this sounds on paper, it ignores the child of crackheads who has to work to feed his/her siblings.    > The mighty is those who use the force of government or the threat of violence (e.g. violent strikes) to prevent another party from exercising their contract liberty and firing them.  This is some pretty extreme hyperbole, and hard to take seriously. As someone who was recently involved in organizing their workplace, I can assure you that the deck is definitely stacked in favor of ownership. Modern anti-union strategies are sophisticated and implemented by highly-paid experts, skilled in using psychological tactics that your average worker just isn't ready for. Union membership in this country has dwindled to around 10%, down from around 50% during the middle of the century, and the erosion of the middle class has been the undeniable result.   Use the ""force of government""? You know, we may have the right to strike in this country, but there's no law that says a company can't hire replacement workers, indefinitely. Plus, striking is not a risk-free action for someone barely getting by, especially when up against people who have enough money for 20 lifetimes.  Threat of violence? Violent strikes? This is a straw-man if I've ever seen one. Who is threatening violence here?  Objectively, when you look at the wealth disparity in this country, it's pretty hard to argue that the right to collective bargaining has resulted in an unfair advantage for workers."


Join me for a look at the Quote for SPY.  A yield of 1.82%. So over a year's time, your $100K investment will give you $1820 in dividends.  The Top 10 holdings show that Apple is now 3% of the S&P. With a current dividend of 2.3%. Every stock in the S&P has its own different dividend. (Although the zeros are all the same. Not every stock has a dividend.) The aggregate gets you to the 1.82% current dividend. Dividends are accumulated and paid out quarterly, regardless of which months the individual stocks pay.


"Gold can be thought of to have value in one of two ways; (1) as a means and (2) as an end.  Means takes the shape of currency. In this form, we value gold in the same way we value the dollar, it allows us to purchase things we want. As a medium of exchange, gold has no definitive value and is only assigned one during the process of an exchange. For example, I would be valuing one ingot of gold to be worth a dog if I traded a dog for one ingot of gold. The value of gold in this sense is subjective as each person decides for themselves what gold is worth during the transaction. Gold as an end is valued for its own sake. A good example of this is a jeweler who purchases gold directly because of the intrinsic property(s) gold possesses. This is closer to the ""true value"" of gold than using it as a means, but virtually no one in our society views gold in this manor because virtually no one can use gold in this manor. ""You know what I could use right now, a block of gold."" - said no one ever.  But even if you are one of the select few who value gold for its own sake, this is usually done because gold provides a function. For example, if people no longer want to ware jewelry, then a jeweler will likely have to find a new line of work where he would likely no longer view gold as valuable as an ends. To sum up, gold has a perceived value for most people and an ""intrinsic value"" to a select few (for the time being)."


Public dividend sounds good, but not the way you are writing about it.  How about you campaign to get people working together to build and patronize businesses that will support a public dividend.  Maybe buying something from the business could give you some share.  The more you buy the more shares you get and the larger your dividend, and the more influential your vote.


Since your question is very particular on the details, I'm assuming you did your research. Unfortunately you won't get a better answer here than what you've found on the Internet already. This is not a clear-cut situation as the situation you're describing has been a source to some confusion. Mainly, the question is whether the US bank account is a tangible asset or not. To the best of my knowledge, this has not yet been settled, so I suggest going to a professional tax adviser (EA/CPA licensed in the US) who'd advise you the best course of action. I think it would be safer to transfer the money directly from the foreign account to the US beneficiary (although even then, if the IRS decides to start digging, it may claim that you're essentially disguising a transfer from a US account, so I suggest talking to a professional before doing anything). In any case, the US recipient will need to report the gift (if it is $100K or more) using the form 3520 with his/her tax return.


"When portfolio positions are reported in percentages, those percentages are relative to the portfolio's base equity.  When you start out, that is equal to the cash you have in a portfolio.  Later it's the net equity of the portfolio (i.e., how much money you could withdraw if you were to exit all your positions). If you put $5,000 into your account and are long and short 50%, then you are long $2,500 and short $2,500.  If it's 100% and -100%, then long and short $5,000. ""Leverage"" is often computed gross (as if all positions were long).  So if you have 100% and -100%, then your broker may say you are ""levered 2 to 1.""  That is, your gross exposure is twice as large as your underlying base equity."


If the stock starts to go down DO NOT SELL!! My reasoning for this is because, when you talk about the stock market, you haven't actually lost any money until you sell the stock. So if you sell it lower than you bought it, you loose money. BUT if you wait for the stock to go back up again, you will have made money.


Thanks for the feedback. What area of finance are you currently in?  I've heard that RMI jobs are in demand right now as well, and I feel like that coupled with a background in computer science could really help.


Other people have pointed this out, but there are a few considerations in whether you should do a Roth or Traditional IRA, such as: One of the major arguments for using a Traditional IRA is that you can (at least in theory) afford to contribute more money initially than you'd be able to afford if you were using a Roth IRA. While this is, in theory, true, I'm not at all convinced that using a Traditional IRA will actually cause people to contribute more to it. Realistically, how many people will actually contribute, say, $500 more to their IRA because they knew that their contribution for this year will save them $500? To know if this is the case, consider the last time that you actually invested some of your tax refund in your retirement account; I haven't seen any actual statistics on this, but I'm guessing that very few people do this. Please see other people's answers for details on the mathematics behind that. The second argument for contributing to a Traditional IRA is if you expect your future income tax rate to be lower than your current tax rate for some reason - e.g. due to a change in government policy (e.g. replacing income taxes with Value Added Tax or something like that), the fact that you're doing the contribution relatively close to when you're planning on withdrawing it, etc. Please see this question for more discussion about this. Keep in mind that, while a Traditional IRA saves you tax money this year, a Roth IRA saves you money when you withdraw it, so it's not really a question of paying taxes on $5000 now or $5000 later, it's a question of paying taxes on $5000 now vs., for example, $50,000 later (or however much the money's grown by the time you withdraw it). Maybe the Traditional IRA is still worth it, though, if there are changes to tax policy or you end up with a lot more money in your Traditional IRA due to being able to contribute more.


"I believe you are looking for price forecasts from analysts. Yahoo provides info in the analyst opinions section: here is an example for Apple the price targets are located in the ""Price Target Summary"" section."


Not at all. I love McD's!  Their coffee beats the ever living shit out of Tim Horton's swill (yes, I'm Canadian). Their sandwiches, especially the McChicken, are great (though I think Wendy's makes a better burger). Their restaurants, particularly after the recent renovations, are clean, comfortable, and the staff are well trained.  Hating McD's is easy because they're so big, and have been so successful for so long.  They appeal to the masses, and no one wants to admit that they belong to that class.


If your father is still able to make financial decisions and sign contracts, I see a better option. Have your father borrow against his equity to finance the renovation.  Example: the house is worth 400 now. He can borrow 100 against that. He spends it on the addition, making the house worth 500, with the same 400 of equity as before. (In some cases, spending 100 might add 150 to the house value, but let's assume here the increase is just what was spent.) When he dies, the mortgage has to be repaid. If he has no other money (that the two of you would otherwise split) then the mortgage has to be repaid by the two of you putting in cash. So you pay your brother 250 (half the new total value of the house) but he gives 50 of that to the bank for the mortgage. You also give 50 of your own money to the bank for the mortgage. Net result: your brother has 200 (the same as if he had inherited half the unimproved house), and you have a 500 house after paying out 300. Your gain is also the same as if the house was unimproved. Now if the house went up 150 by spending 100, or went up 60 by spending 100, you and your brother would also be sharing this profit or loss. If you don't want that to happen, you will need a different agreement. The advantage of the approach I'm suggesting is you just need one appraisal after your father dies.  Not accounted for in this is that you lived (without paying rent) in your father's house for some time, and that you worked (without being paid) as a caregiver to your father for that time. Some families might think those two things balanced, others might feel you need to be compensated for caring for him, and others that you need to compensate the others for your benefit of living in the large house. Be sure to discuss this with your brother so that you agree in advance whether a plan is fair or not.


"This is the best tl;dr I could make, [original](http://www.taxresearch.org.uk/Blog/2017/07/17/the-world-does-not-have-a-debt-problem-it-has-a-wealth-inequality-problem-that-must-be-tackled-now/) reduced by 89%. (I'm a bot) ***** > It&#039;s commonplace to say that the world has a debt problem.  > The result is simple: we remain in the economic doldrums at best; income growth remains poor, whilst the stock of world savings grows outrageously and governments, as the borrowers of last resort for the savings of the world&#039;s wealthy, have to continue to run deficits which they say curtails their opportunity to take action to redress any of the economic issues arising.  > What is to be done about it? The answer is that if the world is facing such an enormous glut of savings then they have to be taxed as fast as possible to prevent they imbalances they create.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6o8ndo/the_world_does_not_have_a_debt_problem_it_has_a/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~170541 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*: **save**^#1 **growth**^#2 **debt**^#3 **economy**^#4 **money**^#5"


Yeah get a little raspberry-Pi sized device, drown that fucker in epoxy so it can't be removed and tampered with by some smart arse, and put some sort of shielding in there too, job done. If you need to update the software, beyond a certain point, slap in a new module.


Starvation is a highly disagreeable physical state people are well motivated to avoid. If one finds themselves in that state it is because something, perhaps circumstances, perhaps something else, prevents them from adding value to society. This is not a personal judgement of the individual, its reality.  His circumstances add no value to the egg. The egg would provide the same nutrition to the starving man as it would the fed man, and sustain each of them for exactly the same amount of time. The starving mans desire for food does not make him more willing to pay. It makes him willing to pay for smaller quantities of cheaper, poorer quality eggs. The well fed man is able to afford greater quatities and better qualities of egg, thus he is more willing to pay.


I'm concerned about your extreme focus on Roth. In today's dollars it would take nearly $2 million to produce enough of an annual withdrawal to fill the 15% bracket. If you are able to fund both 401(k)s and 2 IRAs (total $43K) you're clearly in the 25% bracket or higher. If you retire 100% with Roth savings, and little to no pretax money, you miss the opportunity to receive withdrawals at zero(1), 10, and 15% brackets. Missing this isn't much better than having too much pretax and being in a higher bracket at retirement.  One factor often overlooked is that few people manage a working life with no gaps. During times when income is lower for whatever reason, it's a great time to convert a bit to Roth.  (1)by zero bracket, I mean the combined standard deduction and exemptions. For two people this is currently (for 2017) $20,800 total. And it goes up a bit most years.


I am relative newbie in the financial market trading and as I understand it, the response from Victor is accurate in respect of trading CFD contracts. However, there is also the option to 'trade' through a financial spread betting platform which as its name suggests is purely a bet based upon the price of the underlying stock/asset. As such, I believe that your theory to short a stock just prior to its ex-dividend date may be worth investigating further... Apart from that, it's worthwhile mentioning that financial spread betting is officially recognised by HMRC as gambling and therefore not currently [2015/16] subject to capital gains tax. This info is given in good faith and must not be relied upon when making any investment and/or trading decision(s). I hope this helps you make a fortune - if it does; then please remember me!


"This has to do with the type of plan offered: is it a 401(k) plan or a profit-sharing plan, or both? If it's 401(k) I believe the IRS will see this distribution as elective and count towards the employee's annual elective contribution limit. If it's profit sharing the distribution would be counted toward the employer's portion of the limit. However -- profit sharing plans have a formula that's standard across the board and applied to all employees. i.e. 3% of company profits given equally to all employees. One of the benefits of the profit sharing plans is also that you can use a vesting schedule. I'd consult your accountant to see how this specifically impacts your business - but in the case you describe this sounds like an elective deferral choice by an employee and I don't see how (or why) you'd make this decision for them. Give them the bonus and let them choose how it's paid out. Edit: in re-reading your question it actually sounds like you're wanting to setup a profit sharing type situation - but again, heed what I said above. You decide the amount of ""profit"" - but you also have to set an equation that applies across the board. There is more complication to it than this brief explanation and I'd consult your accountant to see how it applies in your situation."


Echoing JohnF, and assuming you mean the physical, rather than abstract meaning of money?  The abstract concept obviously isn't replaced (unless the currency is discredited, or like the creation of the Euro which saw local currencies abandoned). The actual bits of paper are regularly collected, shredded (into itty-bitty-bits) and destroyed.  Coinage tends to last a lot longer, but it also collected and melted down eventually. Depends on the country, though.  No doubt, many people who took a gap year to go travelling in points diverse came across countries where the money is a sort of brown-grey smudge you hold with care in thick wadges. The more modern economies replace paper money on a dedicated cycle (around three years according to Wikipedia, anyway).


The main reason people go with lower interest accounts is for convenience of having the money in the same institution with other accounts (like checking, auto loans, credit cards, etc.) with their local bank. These online savings accounts are regulated by law to only allow 6 transfers out per month, so for people that need to make withdrawals more frequently, that can also be a factor. If someone has an account like this that is not part of their normal checking account, it can also be inconvenient to wait for an ACH to complete overnight before the funds are available in their main accounts. I certainly use a higher yielding account for my very short-term liquid savings.


"I am surprised by the term ""spoil"". My kids would argue that having to practice piano/violin for an hour every day is hard work. Ditto for science lessons and sports.   >it's easy to spend it on yourself too.   I don't think so. Money spent on kids's education and personal development is an investment. Money spent on yourself... unless you are talking health and fitness, or professional education?"


LendingClub.com  I am an investor, 3 years now, and am making ~12%.  It takes a little savvy and some research, but I'm getting a far better return than any typical investment today.  As always, investors beware.  If you dump your money in and don't invest wisely, you'll get taken for a ride.


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An inquiry to your credit report is a slight ding and lasts 2 years. I'd suggest that if you are playing the bonus game you watch your score closely, and if it drops below the level you'd like to maintain, hold off a while. Credit Karma offers a good simulation to show the impact of inquiries, utilization, new accounts, etc.


NO it was literally for one model while they needed a cheaper one before the model 3, this will never be part of their lineup again, and it was ONLY for a short period of time and ONLY on their cheapest car. Already discontinued, it's not what they do.


If someone decides to sign a contract and sell something at a loss and you are the end consumer, the fact that the manufacturer is losing money doesn't give you any moral or legal right to take it for free.   Nobody is saying it's right how it's done but until you are signing the contract that stipulates what you get for a movie it has nothing to do with you.


Since you mentioned that it is your close relative, he has never done enything dodgy and is wise with his money, then I would take it that you have some implicit trust in him. Now your options in this case are limited to either saying an outright no, which may impact familial ties adversely or to do as he has requested. One way could be to ask him for a mail requesting a short term loan and then transfer the money to his account. Then after a few days/weeks he repays the money back to your account. Now, this may or may not be 100% black & white depending on the legalities of your country but in most countries/cultures giving and taking of personal loans between friends/families is quite common.


I would say at about the same time as the US converts to having a public health system that covers everyone with very few people with private insurance.


Split the money 50/50. Split the costs 50/50.  Prioritize your relationship over a couple of dollars here and there.


"This is the best tl;dr I could make, [original](http://www.sciencemag.org/news/2017/07/cold-war-espionage-paid-until-it-backfired-east-german-spy-records-reveal) reduced by 87%. (I'm a bot) ***** > Deep in debt and struggling to provide for his family, Hans Rehder got an offer he couldn&#039;t refuse: to steal key files from his employer, West German electronics firm Telefunken, for a monthly payoff from East German agents.  > After controlling for the effects of trade and research and development, the team found that economic espionage boosted TFP growth in East Germany, helping it close the gap with West Germany by some 8.6% in 1989, they report in a working paper published by the Institute of Labor Economics, an economics research institute in Bonn, Germany.  > &quot;They basically quantified what I did [already] in a qualitative way.&quot; Macrakis, who has argued that East German industrial espionage was ultimately a failure, says the next step is to look at how the stolen technology was integrated into individual East German firms, who often requested-and received-the stolen information.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6qykhk/cold_war_espionage_paid_offuntil_it_backfired/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~180676 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*: **East**^#1 **espionage**^#2 **economic**^#3 **Germany**^#4 **German**^#5"


You can also take a major credit card to almost any bank, walk up to the counter, and take a cash advance there as well.  Doing it at the counter will save you the ATM fee, though the bank may charge a processing fee so it could turn out more expensive.


This chart above is taken from a Credit Karma snapshot I used in an article titled Too Little Debt? 30% of your score is based on utilization and this portion is scored as the chart indicates. A 61-100% utilization should really be avoided, but once paid, your score does bounce back, real time.


The probably would not be used as much as you think. Currently some patents are nothing but assets. If a company has to spend money to keep a patent valid, patents go from assets to liabilities if they go unused.   It's very different from trademarks. There is often no reason to get rid of existing brand and when it is done it is at a huge cost. Trademarks are also not held onto just for the sake preventing another company from using them.


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