This is a great question for understanding how futures work, first let's start with your assumptions The most interesting thing here is that neither of these things really matters for the price of the futures.  This may seem odd as a futures contract sounds like you are betting on the future price of the index, but remember that the current price already includes the expectations of future earnings as well! There is actually a fairly simple formula for the price of a futures contract (note the link is for forward contracts which are very similar but slightly more simple to understand).  Note, that if you are given the current price of the underlying the futures price depends essentially only on the interest rate and the dividends paid during the length of the futures contract.  In this case the dividend rate for the S&P500 is higher than the prevailing interest rate so the futures price is lower than the current price.  It is slightly more complicated than this as you can see from the formula, but that is essentially how it works. Note, this is why people use futures contracts to mimic other exposures.  As the price of the future moves (pretty much) in lockstep with the underlying and sometimes using futures to hedge exposures can be cheaper than buying etfs or using swaps. Edit: Example of the effect of dividends on futures prices For simplicity, let's imagine we are looking at a futures position on a stock that has only one dividend (D) in the near term and that this dividend happens to be scheduled for the day before the futures' delivery date.  To make it even more simple lets say the price of the stock is fairly constant around a price P and interest rates are near zero.  After the dividend, we would expect the price of the stock to be P' ~ P - D as if you buy the stock after the dividend you wouldn't get that dividend but you still expect to get the rest of the value from additional future cash flows of the company. However, if we buy the futures contract we will eventually own the stock but only after the dividend happens.  Since we don't get that dividend cash that the owners of the stock will get we certainly wouldn't want to pay as much as we would pay for the stock (P).  We should instead pay about P' the (expected) value of owning the stock after that date.   So, in the end, we expect the stock price in the future (P') to be the futures' price  today (P') and that should make us feel a lot more comfortable about what we our buying.  Neither owning the stock or future is really necessarily favorable in the end you are just buying slightly different future expected cash flows and should expect to pay slightly different prices.


"It is simple: G-d provides :). EDIT: By ""it"" I mean the answer to the question asked. Raising kids is not so simple; G-d does provide :)."


Blue Ridge Realty has been working for more than 25 years with vacationers from everywhere throughout the US and in addition individuals now moving to the locale. We work in helping our customers to purchase the property that is appropriate for you. A few people need that lodge in the forested areas, possibly almost a trout stream for untainted angling. Others need a water front view. Properties encompassing the lovely gem waters of Lake Blue Ridge give the chance of an existence time. Possibly you need some real estate to outline and construct your fantasy home. Our neighborhood specialists will tune in to your and give you access to every one of the properties available to be purchased in the region. We know the district, we know the numerous towns and groups and we know how to coordinate you with properties that live up to your desires.


Give this article a read https://www.google.co.uk/amp/s/amp.theguardian.com/technology/2016/dec/11/amazon-accused-of-intolerable-conditions-at-scottish-warehouse  No one is suggesting he pays them so much money that they can go off and start their own biz.  >allegations that workers have been penalised for sick days and that some are camping near one of its warehouses to save money commuting to work.  There are many other such articles claiming similar poor working conditions.   >workers could walk up to 10 miles a day doing their jobs, water dispensers were regularly empty.  Unless HR use water as an incentive, I feel their are ways workers experience can be improved that don't make a mess of HR's plans.


When I was pursuing my Business Degree in Canada we were told the standard notice period is 2 weeks on both sides. This means your employer is required to give you at least two weeks notice and you are required to give it as well. If you violate your notice requirement the employer can sue you for lost revenues and etc. for that time period. The converse side is if your employer failed to provide you with sufficient notice you could sue for lost wages for that time frame as well. I'm sure you can contractually agree to more than the legal minimum of two weeks.


Banks and credit card companies are taxing everyone.  Why is it that people go ape shit over government taxes that actually (at least sometimes) provide services when the banks tax us and keep all the money?  How much money is two percent of almost every transaction?


Depends on the state, in Texas you should charge sales tax because the shipment is going to a freight forwarder in Texas.  That being said, once you have the bill of lading you can have your tax credited by the vendor.  It is one of the documents the state will except in lieu of sales tax for exports.  There are five.  You can find this info at the Comptrollers website. I would validate that you are being charged sales/use tax and not withholding tax, withholding would be related to your country. Doc requirements for export vary from state to state.


I wager Amazon could do a better job fighting scrapers auto buying tickets like they do with Ticketmaster.  Tho the one main game change I can see is Amazon being able to handle massive loads of traffic on their site.  As Ticketmaster has loads of problems here, but Amazon yet to show any real issues in handling loads of traffic all at once.  So imagine able to get tickets without issues.


Hey, did you know that naval officers can be sent to prison for life just for boarding the wrong ship?  Oops, wrong sub!  I think you mean to be in /r/PersonalFinance  Check this out, anyway.  $50k is above median in the USA and just fine in Dallas.  You won't be a high-flyer or anything, but it's plenty. http://www.wolframalpha.com/input/?i=$50,000+salary+in+Dallas,+TX+vs.+seattle,+wa


Valuations are literally 100% driven by retail investors who 20 years ago were literally peasants and are not grounded in reality. I'm working at a small IB in China over the summer. The IPO I'm working on is a small cnc machining company. Some of its competitors are literally trading at 100x EBITDA, growing sales at literally 5%. Nobody who is in a management position has any inkling of how finance works(not to say they're not smart, just that they have no experience).


You're using WIX, that's your first problem...but too late for that.  Then you've got to look at the basics of SEO. There are a lot of fundamental things missing, such as content and backlinks.  For content, your products need unique descriptions, for links, try to work with influencers that have blogs (that would be willing to showcase your products).  For a new clothing start-up, your best bet to grow your business from the ground is going to be FB and Instagram ads.  As far as SEO, have you done any research to determine how competitive the market is in regards to organic search?


I think you're eligible for the tuition fee loan but not the maintenance loan. I think that SFE were suggesting that you'd be eligible under point 4 here 4: People with the right of permanent residence in the UK If you satisfy all the conditions under this category, you will be   eligible for full Student Support. To be eligible: (a) you have the right of permanent residence in the UK; and (b) you are ordinarily resident in England on the first day of the   first academic year of your course; and (c) you were ordinarily resident in the UK and Islands for three years   before the first day of the first academic year of the course; and (d) if your three-year residence in the UK and Islands was at any time   mainly for the purpose of receiving full-time education, you must have   been ordinarily resident in the UK or elsewhere in the EEA and/or   Switzerland immediately prior to the three-year period of ordinary   residence in the UK and Islands. It does not matter if you were in the   EEA and/or Switzerland mainly in order to receive full-time education   during this earlier period. Point (b) would be the reason for asking you to prove you were in England on 1 September, but since you were under three years old when you left the UK, you wouldn't satisfy point (c). You should be eligible for the tuition fee loan under point 2 2: EU nationals, and family If you satisfy all the conditions under this category only, you are   eligible only for a loan to pay your tuition fees. To be eligible: (a) on the first day of the first academic year of the course, you   must be:     a UK national; or a non-UK EU national who is in the UK as a   self-sufficient person or as a student; the relevant family member of   such a person above; and (b) you must have been ordinarily resident in the EEA and/or   Switzerland for three years before the first day of the first academic   year of the course; and (c) the main purpose for your residence in the EEA and/or Switzerland   must not have been to receive full-time education during any part of   the three year period.


I'm no tax expert by any means. I do know that a disreagarded entity is considered a sole proprietor for federal tax purposes. My understanding is that this means your personal tax year and your business tax year must be one and the same. Nevertheless, it is technically possible to have a non-calendar fiscal year as an individual. This is so rare that I'm unable to find a an IRS reference to this. The best reference I could find was this article written by two CPAs. If you really want to persue this, you basically need to talk with an accountant, since this is complicated, and required keeping propper accounting records for your personal life, in addition to your business. A ledger creqated after-the-fact by an accountant has been ruled insufficent. You really need to live by the fiscal year you choose.


Assuming you bought the stocks with after-tax money, you only pay tax on the difference. Had you bought he shares in a pretax retirement account, such as an IRA or 401(k), the taxation waits until you withdraw, at which point, it's all taxed as ordinary income.


> Do you really think that private corporations are incapable of providing their own roads, street cleaning, clean water, etc.?  No - I'm saying if they use it, they should pay for it. If they want to opt out of paying taxes, then they can opt out of using the roads, FAA, GPS, weather forecasts, protections from fraud, police, street cleaning, clean water, etc.


I lost my job and sold just about everything I own on ebay and craigslist. The folks that bought my stuff made out like bandits..............I took a serious bath! I was lucky to get half the value on electronics, maybe 25% on collectibles and 10% of the value on furniture. The hungrier you are the lower you'll go! Sad but true. I also had some problems with ebay's customer service or customer run-around. Try craigslist first and don't take the first offer, hold out as long as you can to get your price.


One way a lot of people bypass the pattern trading equity requirement is to open multiple brokerage accounts. You have $10k, put $5k in one and $5k in another. Although I don't recommend it!


"Exactly. GS told customers to sell stocks today. There is nothing good coming down the pipeline to ease unemployment.  Now, if we get rid of barry and put the leashes back of the NLRB and the EPA, something might change.  In other words, like him or not, Romney is the best alternative to the ""Constitutional Scholar"" who is about to have Pelosi/Reid-care overturned and have his AG indicted for running guns to help them change gun laws (and all the while blaming Bush).  This is the most pathetic administration ever."


I was being sarcastic. Student loan crash is a major circle jerk in some Financial subs  If anything, it's more likely to manifest itself as OP described. Economic growth is going to be lower is a substantial portion of the populus is servicing debt than consuming goods.


There are several ways to minimize the international wire transfer fees: Transfer less frequently and larger amounts. The fees are usually flat, so transferring larger amounts lowers the fee percentage. 3% is a lot. In big banks, receiving is usually ~$15. If you transfer $1000 at a time, its 1.5%, if you transfer $10000 - it's much less, accordingly. If you have the time - have them send you checks (in US dollars) instead of wire transferring. It will be on hold for some time (up to a couple of weeks maybe), but will be totally free for you. I know that many banks have either free send and/or receive. I know that ETrade provides this service for free. My credit union provides if for free based on the relationship level, I have a mortgage with them now, so I don't pay any fees at all, including for wire transfer. Consider other options, like Western Union. Those may cost more for the sender (not necessarily though), but will be free for the receiver. You can get the money in cash, or checks, which you can just deposit on your regular bank account. For smaller amounts, it should be much cheaper than wire transfer, for example - sending $500 to India costs $10, while wire transfer is $30.


You need to get in the yellow pages pronto for emergency repair.  Generally people don't call plumbers until they need one to stop a leak or fix a back-up. If he's licensed makes sure you include it in the ad along with licence number. If he's not licensed get licensed NOW! It doesn't really matter in the home repair but if you want to get commercial jobs they're not going take uncertified plumbers.   Big yellow page ads in every applicable category. Call up general contractors and see if they need plumbers.  Get in with landlords of apartment complexes and commercial spaces to get maintenance contracts and to be first refferal when restaurants move in.


I'm not saying they aren't properly structured to take advantage of the conditions. But they are absolutely being subsidized for better or worse.    California alone has spent $500m in electric car subsidies and is considering earmarking another $3b. The vast majority of those funds have gone towards Tesla. No other Mfg has been a bigger recipient.   Call a spade a spade.   I don't personally care enough to oppose it, but it's an advantage nonetheless.


I went there as a last resort for a few items a week ago. They had some promotion going on where spending so much money got you a $5 gift card. The thing expired a few days later. Sure, I could have looked on the card, but the ads for that and the cashier never mentioned this. And since when do giftcards expire?


I had this happen to me with parking ticket when I was still in school.  The tickets were issued by the school police and later dismissed (because I had purchased a year-long parking pass).  3 years later I got a letter alleging that I had unpaid parking ticket.  So they lost the record of dismissal.  But they did not lose the record of having issued the ticket.   I am fairly certain this happens because legal entities either lose electronic records and restore data from backups without realizing that some corrupted data remains lost or because they transition to a new system and certain real-world events don't get transferred properly to the new system.  Of course, the people with whom you end up interacting at that point have no idea of any potential technical problems (because they may occur only in some technical one-off cases).  In my case, I was able to show that I had received a judgement of dismissal.  I actually kept the paperwork. The question is what do you do if you lost the records and the state had lost all electronic records of your payments.  Let's assume the collections agency has a record (produced by the state) that you owed the ticket amount, but the state claims that no record exists of you having paid the tickets.  What do you do, then? Carefully compile the list of all possible banks which you could have possibly used.  Then request duplicate statements from all the banks which you have on that list.  Assuming you were a regular consumer and not running a business, this should not amount to more than 100 pages or so.  If you do manage to find the transactions in those bank records, you are in luck.  States, unlike the federal government, are not immune from law suits.  So you can consult a lawyer.   By fraudulently claiming that you defaulted on payments, the state caused you material harm (by lowering your credit rating and increasing your cost of borrowing).  Once you have all the paperwork in hand, you still will have difficult time finding anyone in the state to listen to you.  And even if you do, you will not be compensated for the time and expenses you expanded to obtain these records. If you indeed paid the tickets, then you are being asked to prove your innocence and you are assumed guilty until you do.  Again, a good lawyer should be able to do something with that to get you a proper compensation for this.


Comments in the blog are filled with butt-hurt dwllers with an MBA trying to argue his opinion.   Most people in MBA's think they're going to be Steve Jobs. If they're well connected they'll get a good salary but Steve Jobs are guys that start a company rather than go to an MBA.


">> Reminder from history: Bill Clinton signed a contract with NK and even gave them nuclear reactors ""to prevent NK from having nuclear weapons!"".  > Yes, that was a brilliant move by Clinton!  LOL!!!!!! And we ended with NK having nuclear weapons. Brilliant Bill (I voted for him twice) and brilliant you!  > But then George Bush seized power in the rigged 2000 presidential election.  LOL!!!! What's next? Trump rigged the elections with the help of Russia? By the way, I did not vote for Bush, twice.  > North Korea's response was sane and logical.  You should move to NK to see how sane and logical they are!  >> Do you really believe that Iran will not have nuclear weapons?  > Multiple Iranian religious leaders have stated that WMD are an insult to god.   LOL!!!!!!! An you believe them? Is it also an insult to god to cut your hands off if you steal, or to send a woman to jail because she rode on a bicycle?   Move to Iran, please, and check that for us.  > Given that Iran has repeatedly called for a nuclear-free zone in the Middle East   LOL!!!!!! Yes, it would be a great idea if Israel does not have nuclear weapons, because, no wars to attack Israel will happen and surely Iran saying ""Death to Israel"" is just a joke.   Darling, the only reason the middle east is relatively peaceful is because Israel has nuclear weapons, and Egypt, Jordan and even Saudi-Arabia have peace and friendly relations with Israel because they know Israel is not the risk. Iran with nuclear weapons is a risk. And Israel will make sure Iran will regret any attempt to attack anyone.  My god!!!!! You are so brain washed."


This really is different for every individual.  Years ago, I saw a guy in line at Costco to return a pencil sharpener. The thing cost about $20. Forget the gas. I recognized the guy, he was a mutual fund manager with a million dollar plus salary. But I guess he valued his own time at far less on Sunday than the $500/hr he made during the week.  As your question suggests, the starting point is your wage, but for extra money, it goes down from there.  The question has merit, I just think that few people stop and do the math. There are also some things people just enjoy doing, like mowing a lawn, which I'd rather pay for. Often, people will pick and choose that way and not really decide whether they are working for themselves at a certain wage.


A lot of people who own Teslas also own solar panels and can charge their car from solar power. For now, our power grid still relies on archaic technologies for energy creation, but Tesla and other auto makers are pushing towards more renewable energy sources being added to our homes and the grid.


I hope things work out and odds are that they will, but there's always a risk profile with any investment particularly an illiquid one like property. Here you're taking the risk that the local market in your area doesn't tank or that if it does that you can liquidate your houses quickly and retain most of the capital. Some areas are more stable than others, but things can change in decades.   My parents live in a decent part of CT. House prices were high in the early 2000s. Then one of the biotech firms around here pulled out. One firm was not so big a deal - 30000 jobs is quite a bit but the area didn't become rich off one company -  but it turns out that was the start of an industry trend. 3 more go, and suddenly property values crashed. Luckily, we have a pretty small house for the area so most of the assets aren't tied up in it, but it's pretty alarming to see a formerly upper middle class neighborhood become filled with overgrown lawns and for sale signs that hang around long enough to gather moss. When my parents sell after they retire they might be taking a hit in nominal terms, never mind real terms factoring in inflation.  This is about investment real estate though. I do think there is a more intangible emotional and stability gain you get from owning the land or property you live in.


"Institutions may be buying large quantities of the stock and would want the price to go up after they are done buying all that they have to buy.  If the price jumps before they finish buying then they may not make as great a deal as they would otherwise.  Consider buying tens of thousands of shares of a company and then how does one promote that?  Also, what kind of PR system should those investment companies have to disclose whether or not they have holdings in these companies.  This is just some of the stuff you may be missing here. The ""Wall street analysts"" are the investment banks that want the companies to do business through them and thus it is a win/win relationship as the bank gets some fees for all the transactions done for the company while the company gets another cheerleader to try to play up the stock."


Looking at auto sales report released today it was up 1.5% for all car sales, including used. No clarity on new sales. The sales data I cited was for July, so the bottom end of the market -- as you say -- is not doing well.


If you were actually educated, you would know that your sample size is too small. But you're uneducated so you wouldn't.  Sorry kid, but you're wrong.   >  the people I know and work with every day are actually lying to me about their habits and lifestyle.  Except you don't always know what is going inside someones home or mind.


I work for UPS, and I am one in the small minority of 70,000 who will be affected by this. I'm looking for any advice or comments about what I can do, how I might protect what I am owed? Not having a union to represent us has caused huge blow backs for admin/techs/specialist these past 8 to 10 years!


A market correction has been expected for several weeks. It happens all the time, but people need an excuse to panic. Sometimes, I think panic is their usual state and they just look for fuel to keep it going because they can't handle boredom.


For the employee, this is an identical tax situation to an at-the-money option purchase. They're buying an asset with a specific cost basis. For the company, you are just issuing shares from treasury as authorized... debit cash, credit additional paid-in-capital and equity. There is no tax consequence for this money received.


Make him succeed.  Be his mind, be his date book, be his gateway (if he wants that.)  You'll need to filter out the daily noise and get him the most important info he needs. Do things before he asks whether it's getting a bottle of perrier or a list of 5 things his kid would probably want for their birthday.  Key words/skills:  Detail detail detail   Self starter self starter self starter   Mind reader mind reader mind reader


">For some reason   Impoverished America is great news for Russia as they get to win the war that everyone assumed was over. Like Bush, Reagans supposed cold war ""Mission Accomplished""  moment actually wasn't anything of the sort."


"You are overthinking it. Yes there is overlap between them, and you want to understand how much overlap there is so you don't end up with a concentration in one area when you were trying to avoid it. Pick two, put your money in those two; and then put your new money into those two until you want to expand into other funds. The advantage of having the money in an IRA held by a single fund family, is that moving some or all of the money from one Mutual fund/ETF to another is painless. The fact it is a retirement account means that selling a fund to move the money doesn't trigger taxes. The fact that you have about $10,000 for the IRA means that hopefully you have decades left before you need the money and that this $10,00 is just the start. You are not committed to these investment choices. With periodic re-balancing the allocations you make now will be adjusted over the decades. One potential issue. You said: ""I'm saving right not but haven't actually opened the account."" I take it to mean that you have money in a Roth TRA account but it isn't invested into a stock fund, or that you have the money ready to go in a regular bank account and will be making a 2015 contribution into the actual IRA before tax day this year, and the 2016 contribution either at the same time or soon after. If it is the second case make sure you get the money for 2015 into the IRA before the deadline."


There are a lot of moving parts, individual premiums and annual increases have little to do with employer premiums and annual increases and vice versa.  Most people think of XYZ insurer as a single company with a single pool of insured folks.  This common knowledge isn't accurate.  Insurers pool their business segments separately.  This means that Individual, small business, mid-size business, and large business are all different operating segments from the viewpoint of the insurer.    It's possible to argue that because so many people are covered by employer plans that individual plans have a hard time accumulating the required critical mass of subscribers to keep increases reasonable.   Age banded rating: Individual coverage and small group coverage is age rated, meaning every year you get older.  In addition to your age increase, the premium table for your plan also receives an increase.  Employers with 100+ eligible employees are composite rated (in general), meaning every employee costs the same amount.  The 18 year old employee costs $500 per month, the 64 year old costs $500 per month.  Generally, the contributions an employee pays to participate in the plan are also common among all ages.  This means that on a micro level increases can be more incremental because the employer is abstracting the gross premium.  Composite rating generally benefits older folks while age rating generally benefits younger folks. Employer Morale Incentive: Generally the cost to an employee covered by an employer plan isn't directly correlated to the gross premium, and increases to the contribution(s) aren't necessarily correlated to the increases the employer receives.  Employers are incentivised by employee morale.  It's pretty common for employers to shoulder a disproportionate amount of an increase to keep everyone happy.  Employers may offset the increase by shopping some ancillary benefit like group life insurance, or bundling the dental program with the medical carrier.  Remember, employees don't pay premiums they pay contributions and some employers are more generous than others.  Employers are also better at budgeting for planned increases than individuals are. Regulators: In many of the states that are making the news because of their healthcare premium increases there simply isn't a regulator scrutinizing increases.  California requires all individual and small group premiums to be filed with the state and increases must be justified with some sort of math and approved by a regulator.  Without this kind of oversight insurers have only the risk of subscriber flight to adjust plan provisions and press harder during provider contract negotiations. Expiring Transitional Reinsurance Fee and Funds: One of the fees introduced by healthcare reform paid by insurers and self-insured employers established a pot of money that individual plans could tap to cope with the new costs of the previously uninsurable folks.  This fee and corresponding pot of money is set to expire and can no longer be taken in to account by underwriters. Increased Treatment Availability: It's important that as new facilities go online, insurer costs will increase.  If a little town gets a new cancer clinic, that pool will see more cancer treatment costs simply as a result of increased treatment availability.  Consider that medical care inflation is running at about 4.9% annually as of the most recent CPI table, the rest of the increases will result from the performance of that specific risk pool.  If that risk pool had a lot of cancer diagnoses, you're looking at a big increase.  If that risk pool was under priced the prior year you will see an above average increase, etc.


There are two basic issues here.  First, there is the difference between accounting terms and their dictionary definitions.  Second, once you dig into it there are dichotomies similar to put vs call options, long sales vs short sales, bond yield vs interest rate.  (That is, while they are relatively simple ideas and opposite sides of the same coin, it will probably take some effort to get comfortable with them.) The salient points from the Wikipedia article on debits and credits: In double-entry bookkeeping debit is used for increases in asset and expense transactions and credit is used for increases in a liability, income (gain) or equity transaction. For bank transactions, money deposited in a checking account is treated as a credit transaction (increase) and money paid out is treated as a debit transaction, because checking account balances are bank liabilities. If cash is deposited, the cash becomes a bank asset and is treated as a debit transaction (increase) to a bank asset account. Thus a cash deposit becomes two equal increases: a debit to cash on hand and a credit to a customer's checking account. Your bank account is an asset to you, but a liability to your bank.  That makes for a third issue, namely perspective.


"With a healthy income its quite possible to contribute too much into 401Ks/IRAs.  For example, if your retired today and had 3 million or so, how much more would you need?  Would an extra million materially change your life?  Would it make you happier if you invested that extra in some rental properties or perhaps a business like a sandwich or ice cream shop where you have more direct control? This kind of discussion is possible as you indicate that you have taken care of your life financially.  It seems at odds with the negative press describing the woefully condition of the standard person's finances.  These articles ignore a very simple fact:  its because of bad behavior.  You, on the contrary, have behaved well and are in the process of reaping rewards.  This is where I feel your ""mental gymnastics"" originates.   Looking to engage in the rental market is no different then buying a franchise.  You are opening a business of your own.  You'll have to educate yourself and are likely to make a few mistakes that will cause you to write checks to solve.  Your goal is to minimize those mistakes.  After all, what do you know about the rental home business?  I am guessing not much.  Educate yourself.  Read and spend some money on taking knowledgeable people out for coffee.   In the end you should understand that although a poor decision may cost you money you cannot really make a bad decision.  Lets say you do buy a rental property, things go south, you sell for a loss, etc....  In the end the ""butchers bill"" is 50K or so.  Will that materially change your life?  Probably not.  The worst case is perhaps you have to work a year or two beyond the anticipated retirement age to make up that money.  No big deal."


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THIS!   While the GDP may have fallen, the average joe felt more prosperous after WWII because wage and price controls were lifted and production turned back to consumer goods instead of bombs which are useless for civilians in peacetime.   In other words, you can have more prosperity even if your gross output falls, provided you start making shit people actually want to use to improve their lives, like cars and TVs and medicine.


You're exactly right. If I can under the law hire someone only for their musical taste (whether that is a smart move or not is irrelevant) I should also be able to do so based on religious choice.


Alright I'll bite. You haven't defined what starting a company means. I can do that without a product technically. Let's start by defining success. Do I need to sell one thing or a billion? Profit ok or just revenue?  Now let's define what hard is. Is it lots of hours? Lots of dollars? Is it using the skills from a degree that I worked hard for?   You're making blanket statements which have no boundaries.  The amount of effort people put into starting successful companies ranges wildly. If my dad gave me a billion dollars and I started an unprofitable company then technically I've met your parameters. Easy! I guarantee that's happened more than 5 times.   Flappy birds was a successful company. Relative to uber it was easy. Relative to scratching my balls and playing Xbox all day it was hard.   Can you see why I'm mocking this conversation?


This is a nice narrative, but the organizations I have operated in put a good amount of effort trying to de-bottleneck production issues by going straight to the front lines. My current org does an annual survey (with tons of open ended questions) and listening sessions around 5 year plans. Also every production employee gets a weekly 30 minute session with their direct report.  Now it takes some effort to separate signal from noise (yes, everyone wants to be paid more and receive frequent strategic communication).  Now grossly inefficient general and administrative costs that thrash bottom line .. we have that in spades!!


Consider inflation. If you invest $10,000 today, you need to make a few hundred dollars interest just to make up for inflation - if there is 3% inflation then a change from $10,000 to $10,300 means you didn't actually make any money.


Get a lawyer to put this in contract form, with everything spelled out explicitly. What is fair is what the two of you agree upon. My own suggestion: Divide the property into things which are yours, his, and shared, then have each of you be responsible for all your costs plus half the shared costs, but get all the benefits of your half. That would mean that if he rents out his half, all the rental income is his; if you decide to live in your half, all the savings of not paying rent are yours.  Each of you pays your half of mortgage, insurance, and other shared costs. Repairs to shared infrastructure should be done by someone both of you trust. If you agree the work is needed and he does it rather than your hiring someone, you owe him the appropriate percentage of the costs; the two of you will need to agree on whether you owe him for that percentage of his time as well. Make sure you agree on some mechanism for one person offering to buy the other out, or to sell their half to the other party... or potentially to someone else entirely. (Personally, I would try to do that at soonest opportunity, to avoid some of the ways this can go wrong -- see past comments about the hazards of guaranteeing a loan; this works or doesn't work similarly.) Does that address your question?


There might be some US tax implications depending on the amount of gift. See more here: http://en.wikipedia.org/wiki/Gift_tax_in_the_United_States


I am tired of the political bullshit on this subreddit.  **Obama pushed for the same thing.**  Just try doing a little research once in a while....  https://www.google.com/search?q=obama+public+private+partnerships&rlz=1C1CHFX_enUS580US580&oq=obama+public+pr&aqs=chrome.2.69i57j0l5.6974j0j7&sourceid=chrome&ie=UTF-8  Look at some of those articles, pbs.org, thehill.com.  Left-leaning news was all for it.  Now all of a sudden because Trump is carrying it forward it's the coming of Satan. Let's stick to the economics of it and not the politics of it, that's what this sub is about (or should be).


At least he knows how the economy works and has ran a business.  What business did Obama run again?  What business experience does he have?  None.  Our economy is in shambles.  The world economy is about to collapse.  The last thing we need is another Jimmy Carter tax and spend liberal to drive us the rest of the way into the ditch.  Fuck Obama and any of his blind, misinformed supporters.  And God help you if you plan to vote for Obama simply because he's black - your right to vote should be revoked.


Many of the custodians (ie. Schwab) file for an extension on 1099s.  They file for an extension as many of their accounts have positions with foreign income which creates tax reporting issues.  If they did not file for extension they would have to send out 1099s at the end of January and then send out corrected forms.  Obviously sending out one 1099 is cheaper and less confusing to all.  Hope that helps,


"E*Trade bank charges $0 for incoming wire transfers ($25 for outgoing). But, its online only bank. Wells Fargo offers free incoming transfers for PMA package accounts. But you'll pay for it in a different way. Bottom line - you have to shop around. Even banks that charge fees - some charge more and some charge less. $20 is on a ""more"" side. Chase, for example, charges $15."


"It sounds like this is an entirely unsettled question, unfortunately.  In the examples you provide, I think it is safe to say that none of those are 'substantially identical'; a small overlap or no overlap certainly should not be considered such by a reasonable interpretation of the rule. This article on Kitces goes into some detail on the topic.  A few specifics. First, Former publication 564 explains: Ordinarily, shares issued by one mutual fund are not considered to be substantially identical to shares issued by another mutual fund. Of course, what ""ordinarily"" means is unspecified (and this is no longer a current publication, so, who knows). The Kitces article goes on to explain that the IRS hasn't really gone after wash sales for mutual funds: Over the years, the IRS has not pursued wash sale abuses against mutual funds, perhaps because it just wasn’t very feasible to crack down on them, or perhaps because it just wasn’t perceived as that big of an abuse. After all, while the rules might allow you to loss-harvest a particular stock you couldn’t have otherwise, it also limits you from harvesting ANY losses if the overall fund is up in the aggregate, since losses on individual stocks can’t pass through to the mutual fund shareholders. But then goes to explain about ETFs being very different: sell SPY, buy IVV or VTI, and you're basically buying/selling the identical thing (99% or so correlation in stocks owned).   The recommendation by the article is to look at the correlation in owned stocks, and stay away from things over 95%; that seems reasonable in my book as well. Ultimately, there will no doubt be a large number of “grey” and murky situations, but I suspect that until the IRS provides better guidance (or Congress rewrites/updates the wash sale rules altogether!), in the near term the easiest “red flag” warning is simply to look at the correlation between the original investment being loss-harvested, and the replacement security; at correlations above 0.95, and especially at 0.99+, it’s difficult to argue that the securities are not ”substantially identical” to each other in performance. Basically - use common sense, and don't do anything you think would be hard to defend in an audit, but otherwise you should be okay."


You shouldn't technically be able to over pay. I have some share dividends set to pay into my account but one of them took me over the limit so the payment was diverted to another account and they sent me a letter. Pretty sure they would do this with any payment.


Jesus, talk about obstinate.  I did not say Equifax was Wall Street.  I called him a Wall Streeter.  He made a bunch of dough in a public company, on stock he overinflated, and insider trading.  I am not criticizing the wrong industry.  The whole financial sector plays by the same rules.


So you cant compare one model of Tesla to one model of any of its main competitors, you have to compare it to all of their cars?  That doesn't make any sense.  I know you can see that high end cars are where the profits of most companies come from.  It's not like they are making billions from a 15,000 dollar Malibu.  At this point, even if the other major manufactures could get off their collective butts, they couldn't build in the supercharger infrastructure fast enough to catch up in any meaningful manner.


"So... from a business perspective, this way of building a piece of software doesn't make any sense at all. To take their example of a book trading app... how do you parse out the core function vs. the revised specifications adding features. The core function of most apps are dead-nuts simple. For the book trading app, the core functionality is a forum website, such as reddit. The need for an app which allows you to sell it is the value-add of the software, which is all in the features.   Call the ""standard"" way of doing things, from a set specification, a ""top down"" design cycle. Call the ""new"" way of designing a ""bottom up"" design cycle.   So now you have a ""minimum viable product"", which is now subject to all the pain of a top-down design cycle and you are back to where you started. Now, every bottom-up design cycle has a goal and its own minimum viable feature improvement... so you are really back to a progression of top-down design cycles superimposed on bottom-up product feature set evolution.   Making a real product that people use is always going to be a combination of top-down design driven from the business side, who determines the features that customers want (i.e. the minimum viable product), and bottom-up design cycles where engineering has to communicate what is possible to design in a certain time frame. There is always a tension between the forward looking business side which is trying to project what customers want and pushing engineering to schedule their creativity, and the engineering side which is trying to deliver creative product designs on an externally imposed schedule.   This bottom-up design cycle is not unique to software. Where developing software differs from developing hardware is that software allows for this design cycle to be very short and very discrete. Software can be developed in discrete modules and linked together. Hardware is more integrated, thus having longer design cycles, but can still be designed using a minimum viable product with design cycles adding features incrementally. Look at the cell phone/smart phone hardware business for a good case study in this. Yearly design cycles, each design cycle has a minimum viable feature set and some stretch goals, and work on feature sets stop when the clock runs out. But to think that software is magic, should be driven entirely bottom-up, doesn't have some sort of feature map superimposed on the workflow, is to get lost in an idealism. Better to use top-down and bottom-up design cycles as tools to navigate the business."


It's simple, really: Practice. Fiscal responsibility is not a trick you can learn look up on Google, or a service you can buy from your accountant.  Being responsible with your money is a skill that is learned over a lifetime.  The only way to get better at it is to practice, and not get discouraged when you make mistakes.


I didn't mean as a legal maximum, but rather how many hours they choose to work & get scheduled for. Some youth are lucky, and their parents pay their bills.   I didn't have as expensive bills as you. Only cell phone, and my bus pass in high school. But I did have to pay for all of my graduation costs myself and post-secondary application fees. So keeping a savings amount really helps. (I also had 4 jobs simultaneously in high school. )


Rule 610 (Google for it) stands that if Bid and Ask are the same, the market is considered Locked, and the exchange must stop all trading. So the same person can't quote the same bid and ask price. However, HFTs have found ways to circumvent this limitation when exchanges created special order types for them, e.g. Spam-and-Cancel


One of the strengths of 401K accounts is that you can move from investment X in the program to investment Y in the program without tax consequences. As you move through your lifetime you will tend to want to lower risk by investing in funds that are less aggressive. The only way this works is if there is an ability to move funds. If there were only one or two funds to pick from or that you were locked in to your initial choices that would be a very poor 401K to be enrolled in. On your benefits/401K website you should be able to adjust three sets of numbers: Some have you enter the current money as a percentage others allow you to enter it in dollars. They might limit the number of changes you can do in a month to the current money balances to avoid the temptation to try and time the market. These changes usually happen within 1 business day.  Regarding new and match money they could limit the lowest non zero percent to 5% or 10%, but they might allow numbers as low as 1%. These changes take place generally with the next paycheck.


I'm not necessarily saying that VC is the way to go.  It works for some, not for others.  Personally, if my company idea takes off, I'd try to avoid it if at all possible.  However, the article was written in a way that any point she had in her post was overshadowed by her bitterness and excessive obscenities that it comes off as unprofessional and not worth reading.  It takes away from the valid points therein.


"the next phase  by  Jared Dillian  https://www.yahoo.com/news/m/0e417223-3fea-32e4-b74f-be431d78526f/ss_japan-has-entered-the-next.html https://www.forbes.com/sites/jareddillian/2017/07/10/japan-has-entered-the-next-phase-unlimited-money-printing/#1ca7496668a0  one mind boggling question is this good for the economy?  20  september  2012  thursday, manila, ph   i want to share this to all the - “brilliant economists” - in this world   let's talk on ""qe""    by:  raul m. ramos  qe is not a cure - it is a stimulant. qe is synthetic - no more, no less. qe is artificial - it cannot and will never hold water. qe is only a temporary relief - not an outright, total solutions. qe is absolutely not a guaranty - not an assurance for recovery or growth. qe is a very good tool - this acts as an oxygen to a dying patients to breathe. qe is now and forever - taking away the oxygen, the patient will going to die. qe is a big balloon - continues to expand, amplify, waiting to explode, to burst. qe will keep you moving today - but not for the rest of your life. qe is quicksand - the more you move the more you get sucked down. qe will bring joy today - (later) it will bring tears, pouring in your eyes that could not stop. qe is worthless - infusing, injecting precious blood, highly precious dollar to a zombie economy (a lifeless economy), an “absolute waste”. qe is brainless - simply do not know what will going to be the consequences to the economy. do not have the idea of what will going to be the final result. qe is only a dream - being over optimistic that one day everything will go back to normal, that at the end of the day the economy will recover and finally would realize growth. qe is just a fantasy - meaning punching the moon, the stars (thinking it will resolve the year 2008 economic meltdown). qe is an investment - yes!!! a massive investments to a dying economy, (absolutely wrong investments). qe will keep you running - it is like a ticking time bomb. qe is not good for the economy - the government acts (or play) as an investor instead of the businessman. qe is being very kind and generous to businessman, while keeping the country, the state's economy at stake or in jeopardy. qe is putting more money to a moribund business - supporting the company to stay, to exist for the time being. and later on will literally closed shop. qe is killing the mighty, precious dollar - slowly but surely. qe is hide and seek - like suze orman (of cnbc) say's, ""show me the money"". qe is treasure hunting - ultra rich, millionaires, billionaires is keeping it. they hide it. where are those precious dollars? making the economy sick, crippled, dead. qe is a money making machine (printing press) - once the economy becomes frail, weak, all they have to do is just print. qe is putting plenty of money to a basket full of holes - truly very few will benefit and so many will going to suffer.  this is inequality.  disparity is very disturbing (counter to a good economy). qe is experimental - (trial and error, testing) probability never done before. qe is good at the start (year 2008) - after spending, investing, releasing, trillions and trillions of mighty precious dollars - big companies, millions of jobs were blessed, saved, rescued, erstwhile salvaged.  and like magic - america the wealthiest and most powerful country in the  universe is now going to act again (today!!!) to spend, invest, release again (and again and again and again . . .) trillions and trillions of mighty precious dollars for the economy to keep moving, (my God!!! what an “abnormal cycle of the economy”). qe is a wild guess (absolutely speculative) - before only big businesses, huge companies are at stake.  today it is now the whole country is at risk.  not yet talking of the whole wide-world (with special mention - to my dearest, my beloved country - the philippines).  this is certainly,  absolutely contagion, domino effect.  no one, not one will ever be spared. qe is very contagious - before only america needs to be saved to be salvaged. today all countries is in distress (suffering), badly needs a rescue. qe is keeping inflation very low - yes!!! absolutely for today but not for tomorrow.  the medicine that they used during the 2008 economic slump is luckily still moving.  meaning still working.   but once this medicine starts to slowdown and begins to die down.  you may call all the saints above.  and the (true) inflation you are looking for, searching for will surely and definitely come into your midst.   inflation will going to kill us all. qe is a wrong medicine - temporary patch or band.aid qe is phoney - it is just an easy money and definitely not a hard earned (labor generated) money. qe is a gamble - trillion dollars is at stake. if we are lucky the dying person or the economy will live. if we are not lucky the dying person will die, the economy will going to collapsed, and still we have to pay all the “debts” as long as we live. qe is domineering - the economy today is at the mercy of ""qe"".  (the economy is captive, hostage by ""qe"") interest rates is a lose-lose situations. keeping it zero.  the u.s.a. government will lose trillions  and trillions of dollars, that is badly needed.  now, raising this rates will surely and definitely starts  the u.s.a. markets and precisely the world economy to react, pulling down the unstable economies  of the whole world to jeopardy.  now, which one would you like to choose? again, which one would you prefer? qe is trial and error - a complex, complicated solutions.  healing one part of the body and the other part will swell and burst. qe is evaporation - (using taxpayers money) pension funds, retirement benefits and all entitlements is going to fade, will vanished in thin air. qe are waiters - simply waiting day and night for growth, for recovery. qe is thirstiness - it dries up the u.s.a. treasury. qe is debt - a never ending debt. keep in mind there is no such thing as unlimited debt or debt unlimited. don't be fooled. qe will going to keep you in good sleep - but will wake you up bankrupt. qe is not an answer - it is the culprit. qe is universal - it was copied all over the world (worldwide). qe is an absolute solutions (yes!!! for all dumb economists) - a 100percent “hopeless, desperate, solutions”. qe to be specific is going back again to the 1930's depression or the great depression part 2 – yes!!! precisely but with a ""big bang"". qe before is only a staggering risk. today it is now “debt impregnating” - simple as, it keeps on giving birth (by the hour, the minutes, the seconds) and after eight long years the final,  the end result is massive “pure debt”. very sorry to say, not growth (and) or definitely not recovery. qe is a dying move - no one, not one ever dared to affirm, to attest, to certify, that this is a “correct solutions”. qe is mad - it will make you crazy because of ""debt"". qe is the only options - yes!!! absolutely, when your big brains is ""not working"". qe is easing the pain - correct!!! for a very short period of time, but will going to ""destroy"" the economy in the long (or short) run. qe is history - it will haunt you forever and ever. qe - what more can i say?   fb:     thegreatdepression.part2@yahoo.com"


The installation of roof vents is a crucial part of roof design because it allows for proper attic ventilation, which may help prevent condensation and early aging of your roof. We are here at your service to help you get installed those in your house.


I always thought that it was really hard to get into a PhD program without at least a masters? Looking at most of my professors resumes, they seem to all have masters from schools other than where they received their PhDs. I would prefer to get a MFE then PhD if money wasn't an option(if I decided to go the academia route), but because money is an option a PhD without paying for a masters would be ideal.


"Medieval Iceland became... Iceland.  A place with a government.  I made a post to another user that tasked about how any group of people will naturally form order and ""government"". Is medieval Iceland really what this diatribe against taxes really all about?"


Not sure that political leadership ever has been a strength in the U.S.   Expedience and serendipity seem to have had as much to do with anything the federal government has accomplished for which any politician could take credit.  Or as Churchill so famously apocryphally said, *You can always count on Americans to do the right thing - after they've tried everything else.*   With all of SCOTUS's decisions eviscerating even Congress's weak attempts at limiting campaign contributions, we've developed the federal government we deserve: an ineffectual one whose members, all of whom spend more time fundraising than governing, are more concerned about furthering their own careers than what's good for the nation.  They come into office as populists, promising lie after lie.  And they serve only their own self-focused interests.  Whoever can give them the most money wins.  No matter what they tell us.


Something doesn't smell right:  >The decline was driven largely by the plummeting stock market, which devastated Americans' portfolios and retirement accounts.  The stock market has been flat in real term since about 2000.  The only way you can say that people experienced lost wealth from the stock market is if you assume they all bought at the peak.


Most definitely all wire transfer above a significant amount would be flagged as a suspicious transaction. Nevertheless, as long you provide the Final beneficiary information (name and account number), the bank will process the remittance.


"I don't want to hate on those other comments but as a college student having a 4.0 and going to a ""target"" school are not realistic goals for everyone. The best advice I would give you is to be passionate about the field. It sounds dumb on its face but being involved in student investment clubs/funds or competing in investment competitions are great ways to get exposure and meet people in the field while building your resume. Internships are incredibly important because that's where you prove to yourself and others that you are a capable person.   You also have a lot of options ahead of you. You can do research, client facing roles (CFP), and even corporate finance. I wasn't a finance major but I spent 3 years in college working in our student managed investment fund and it absolutely paid off (now doing corporate finance). You have to want to learn and grow. It's not realistic for a college student with limited resources to get your CFA level 1 or series exams, especially if it doesn't suit your field. Be open to different types of jobs and build relationships with your professors who are well connected. It does help to have stellar grades and it helps to be at a top school but our state school has put kids on the Street. You just have to be hungry and realistic about your talents and passion.   Good luck to you."


This doesn't look particularly unreasonable, but a few notes: It's a little misleading to say that 45% of his paycheck is gone. Roughly 6% of his gross pay went to his 401(k). That money is still his; he's just chosen to save it in a particular way. Depending on the choices he's made for his retirement savings, he'll also reduce his tax bill right now and/or during retirement by making these contributions. Some of the other costs also go to social programs that may pay you back (granted, they may not always be as good as those in Europe, but it's not that you'd get nothing in return): In any case, $130K/year is certainly a lot on a global scale, but San Francisco is a very expensive city, and housing costs in SF have risen a lot lately. You've nicely summed up why a lot of families unfortunately leave the city.


The company that runs the fund (Vanguard) on their website has the information on the general breakdown of their investments of that fund. They tell you that as of July 31st 2016 it is 8.7% emerging markets. They even specifically list the 7000+ companies they have purchased stocks in. Of course the actual investment and percentages could [change every day]. Vanguard may publish on this Site, in the fund's holdings on the   webpages, a detailed list of the securities (aggregated by issuer for   money market funds) held in a Vanguard fund (portfolio holdings) as of   the most recent calendar-quarter-end, 30 days after the end of the   calendar quarter, except for Vanguard Market Neutral Fund (60 calendar   days after the end of the calendar quarter), Vanguard index funds (15   calendar days after the end of the month), and Vanguard Money Market   Funds (within five [5] business days after the last business day of   the preceding month). Except with respect to Vanguard Money Market   Funds, Vanguard may exclude any portion of these portfolio holdings   from publication on this Site when deemed in the best interest of the   fund.


"Resign may be a bit far, but as for backing up Damore, I disagree.  You can criticise what Damore wrote, how he cherry-picked research and maybe his suggestions weren't the best. But this quote (quoted in the article) is the best way to summarise the backlash:  > “I cannot remember the last time so many outlets and observers mischaracterized so many aspects of a text everyone possessed.”  The backlash has truly been post-factual. And it's fair to criticise the leadership of a company whose culture has clearly become post-factual. And not just post-factual in describing what Damore wrote (very often where he went out of his way to repeatedly write the *opposite*), but also in flat out rejecting *any* research into ""Nature"" in ""Nature vs Nurture"" that doesn't say ""Nature matters 0%"".  Many angry voices admit to not having read what they are ranting about. ""He said X!!! -- Uh, no he didn't -- I didn't read it, but it's horrible and he should be fired!""  We rightly criticise and fear the Faux News/Trump post-factual BS politics, but the left *adopting* it is only going to make things worse. And avoiding that in corporate culture falls squarely into the lap of corporate leadership. So why exactly is Pichai playing along (albeit much much less) with this post-factual interpretation?"


You also can control how much of the economy the government holds dominion over.  Restricting what interest groups the government can and should listen to and under what circumstances is a slippery slope back towards tyranny. One man's asshole is another man's victim.  We've established that interest group politics disincentivize the government to act efficiently. Thats pretty much the beginning and the end. Government can be trusted with law and foreign matters, but it cannot be trusted to adequately furnish goods and services.


With InteractiveBrokers there is no minimum trade amount, they also offer Australian Equities.


I think you misunderstand my point. My post *is* rather vague. I'm saying that making an open post countering the company's public stance on diversity is unwise and is an inappropriate way to address any real concerns in general.   If it is merely an opinion you'd like to voice, there are many other social outlets which would be more appropriate for personal use than the company's internal network.


How in the world is it the perfect vehicle to hide theft?  Every single transaction is publicly recorded and the best you can do is try to obfuscate that. Yet even if you get away with a crime today, the ledger is open for anyone to analyze, study, survey, and if you are caught later down the road with that wallet (such as an cached file on a computer) you will be linked to the crime you committed.   Plus you can't do anything nearly of any size and cashing out means revealing your identity through the exchanges which are under constant surveillance.   So please, tell me again how it's the perfect vehicle to hide theft -- because I'm sure the silk road chief who is sitting in jail would love to hear your tips.


The SCHUFA in Germany works a bit different from the FICO score in the US. My background: I am a German currently living in the US. The information others want to see from the SCHUFA are a bit different. If you want to example rent a house or an apartment, the landlord often wants to see a SCHUFA statement which only shows that there are no negative entries. This statement you can get easily from online and they don't mention your credit score there. If you apply for a real credit or want to lease a car, they want to look deeper in your SCHUFA profile. However, very important is: They need signed permission to do this. Every participating company can submit entries to your profile where the score is calculated from. For example mobile phone plans, leasing a car, applying for a loan. Some lenders decide on the score itself, some on the overall profile and some also take your income into account. Since there is no hire & fire in Germany you are often asked to show your last 3 paychecks. This, in combination with your SCHUFA score is used for determination if you are eligible for a loan or not. However, they check through every entry which is made there and as long as it is reasonable and fits to your income (car for 800 EUR/month with a 1000 EUR salary does not!) you should not have a problem establishing a good score. The, in my eyes, unfair part about Schufa is that they take your zip code and your neighborhood into account when calculating their score. Also moving often affects the score negatively. To finally answer your question: Credit history is also built by mobile phone plans etc. in Germany. As long as you pay everything on time you should be fine. A bad score can definitely hurt you, but it is not as important to have a score as it is in the US because the banks also determine your creditworthiness based on your monthly income and your spending behavior.


''just how much of the troubled southern EU nations' debt is due to the rescuing of private banks?  thanks''  My answer rambled onto related topics.  In short, not much. While the actual sums involved in bank bailouts are considerable, relative to sovereign debts run up by having structural/trade deficits for ~10 years, they aren't the problem in Europe at the moment...but they ARE the tip of an Iceberg that could sink parts of the EU and leave the rest struggling to stay above water.   An interesting question to ponder, with deceptively simple answers, is:  If the % of sovereign debt resulting from bank bailouts is so small, why does the media and general public throw a fit every time a major EU bank gets into trouble?  People are worried about losing their savings that they have with that bank. Its a visceral fear that is easy to personally relate to.  But scratch below the surface and there is a whole buffet of terror for you to feast on.  Assuming leverage of ~26* on assets held by banks and that true liabilities aren't completely opaque to average Joe retail investor, the collapse of the right bank could fire the starting gun on a vicious recession, trigger bailouts of other institutions exposed to the original and all sorts of nasty events.  These bank assets include the mess created by rehypothecation, securitization of shitty credit/assets and CDS, commercial paper that relies on never having to be realized as a loss and interference in the money markets and currencys by states.  Its damn hard to work out what assets and liabilities a bank has these days, let alone what any debt they have taken on is worth.   Euro Crisis Best Crisis.   *Pulled from memory, I'm not sure if this is accurate for Europe.


"I got started by reading the following two books: You could probably get by with just the first of those two. I haven't been a big fan of the ""for dummies"" series in the past, but I found both of these were quite good, particularly for people who have little understanding of investing. I also rather like the site, Canadian Couch Potato. That has a wealth of information on passive investing using mutual funds and ETFs. It's a good next step after reading one or the other of the books above. In your specific case, you are investing for the fairly short term and your tolerance for risk seems to be quite low. Gold is a high-risk investment, and in my opinion is ill-suited to your investment goals. I'd say you are looking at a money market account (very low risk, low return) such as e.g. the TD Canadian Money Market fund (TDB164). You may also want to take a look at e.g. the TD Canadian Bond Index (TDB909) which is only slightly higher risk. However, for someone just starting out and without a whack of knowledge, I rather like pointing people at the ING Direct Streetwise Funds. They offer three options, balancing risk vs reward. You can fill in their online fund selector and it'll point you in the right direction. You can pay less by buying individual stock and bond funds through your bank (following e.g. one of the Canadian Couch Potato's model portfolios), but ING Direct makes things nice and simple, and is a good option for people who don't care to spend a lot of time on this. Note that I am not a financial adviser, and I have only a limited understanding of your needs. You may want to consult one, though you'll want to be careful when doing so to avoid just talking to a salesperson. Also, note that I am biased toward passive index investing. Other people may recommend that you invest in gold or real estate or specific stocks. I think that's a bad idea and believe I have the science to back this up, but I may be wrong."


"The most ""all American"" motor-company. A beacon of 'Murica to millions far and wide says ""Fuck your domestic jobs, it's just strait up cheaper to build shit in China - or do you want to pay $50k for your 16 y/o kid's 2019 Focus?""  Absolutely hilarious."


"Amazon is basically going to ruin Whole Foods.  ""Inventory changes"" is the key to ruining that store.  If they could lower prices by increasing efficiency or distribution decision-making effectiveness, that's one thing.  But changing the inventory is basically using the Whole Foods name while making it not that store anymore."


I completely agree with Pete that a 401(k) loan is not the answer, but I have an alternate proposal: Reduce your 401(k) contribution down to the 4% that you get a match on.  If you are cash poor now and have debts to be cleaned up, those need to be addressed before retirement savings.  You'll have plenty of time to make up the lost savings after you get the debts paid off.   If your company matches 50% (meaning you have to contribute 8% to get the 4% match), then consider temporarily stopping your 401(k) altogether. A 100% match is very hard to give up, but a 50% match is less difficult.  You have plenty of years left ahead of you to make up the lost match.  Plus, the pain of knowing you're leaving money on the table will incentivize you to get the loans paid as quickly as possible.  It seems to me that I would be reducing middle to high interest debt while also saving myself $150 per month.  No, you'd be deferring $150 per month for an additional two years, and not reducing debt at all, just moving it to a different lender. Interest rate is not your problem.  Right now you're paying less than $30 per month in interest on these 3 loans and about $270 in principal, and at the current rate should have them paid off in about 2 years.  You're wanting to extend these loans to 4 years by borrowing from your retirement savings.   I would buckle down, reduce expenses wherever possible (cable? cell phone? coffee? movies? restaurants?) until you get these debts paid off.  You make $70,000 per year, or almost $6,000 per month.  I bet if you try hard enough you can come up with $1,100 fairly quickly. Then the next $1,200 should come twice as fast. Then attack the next $4,000. (You can argue whether the $1,200 should come first because of the interest rate, but in the end it doesn't matter - either one should be paid off very quickly, so the interest saved is negligible) Maybe you can get one of them paid off, get yourself some breathing room, then loosen up a little bit, but extending the pain for an additional two years is not wise. Some more drastic measures:


"This page from simplestockinvesting.com gives details of total returns for the S&P500 for each decade over the last 60 years, including total returns for the entire 60 year period. It is important to understand that, from an investors point of view, the total return includes both the change in index value (capital gain) plus dividends received.  This total then needs to be adjusted for inflation to give the ""total real return"". As noted in the analysis provided, 44% of the total return from the S&P500 over the last 80 years comes from dividends.  For the DowJones30, this site provides a calculator for total returns and inflation adjusted total returns for user selected periods. Finding comparable analysis for the NASDAQ market is more difficult.  The NASDAQ market site provides gross values for total returns over fixed periods, but you will then need to do the arithmetic to calculate the equivalent average annual total returns.  No inflation adjusted values for ""real"" returns are provided, so again you will need to combine inflation data from elsewhere and do the arithmetic."


"> Favoring one position because it is more pleasant or resonates more emotionally despite the logical alternative is the very definition of naivety.  And what position would that be?  I have stated my position repeatedly:  these companies are doomed, millions of people will lose their jobs, and it will suck for them.  This is not a pleasant position;  nor does it resonate with me;  the one point I am making that seems to make you all so angry is that _I feel compassion for the people who are going to suffer._  So tell me where I'm wrong, why I'm ""naïve"".   Should Sears continue to exist as a shitty company?  I don't think you believe that.    Are these people who lose their jobs going to get better jobs?  Some of them, absolutely - but most of them have few marketable skills - I think you probably believe, like I do, that _most_ of them are obsolete workers and are going to have a lot of trouble even finding a job as good as the shitty one they are about to lose.  Or am I just ""naïve"" because I feel sad for all these people who are going to go through a tough time?  I call that ""compassion"" and I'm proud to be a compassionate individual, even if it makes me sad."


Because many companies are not willing to pay more to attract those employees. They figure fuck it, the government says I can pay this little. I am. In fact, many wait jobs are paid the 2.50$ min because tips. So employers can make as much as possible.


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It means someone's getting paid too much. I'd check the sharpe ratio and compare that to similar funds along with their expense ratio. So in some scenarios it's not necessarily a bad thing but being informed is the important thing


If internet trends continue in terms of accelerating the spread of all information, my bet would be that long-term it would mean the end of both, at least as we see them today. On the other hand, if increased connectedness is simply speeding up everything about human society, the same could probably be said of everything we're currently accustomed to.


"First, your professor should learn proper grammar. Should be, ""Why **do**....""  Second, it looks like you're dealing with synthetic securities. You can create a synthetic T-Bill by doing a combination of long/short calls/puts.  But ignore all that. Just think about this without the technical jargon. We know that the risk free rate is typically what T-Bills are yielding right? And we know that since options are inherently more risky than US government debt, investors will demand a higher interest rate to compensate them for the risk. So, as the risk free rate increases, the value of a call will move the same direction, otherwise investors would stop dealing with call options and would instead buy safer, less-risky ""riskless"" investments.  It's not really an options question, just one of basic finance, risk, understanding of interest rates, etc."


"I was I a similar position as you, and sometimes credit bureaus might be difficult to deal with, especially when high amounts of money are involved. To make the long story short, someone opened a store credit card under my name and made a charge of around 3k. After reporting this to the bureaus, they did not want to remove the account from my credit report citing that the claim was ""frivolous"". After filing a police report, the police officer gave me the phone number for the fraud department of this store credit card, and after they investigated, they removed the account from my credit. I would suggest to do the following: Communicating with Creditors and Debt Collectors You have the right to:  Stop creditors and debt collectors from   reporting fraudulent accounts. After you give them a copy of a valid   identity theft report, they may not report fraudulent accounts to the   credit reporting companies. Get copies of documents related to the   theft of your identity, like transaction records or applications for   new accounts. Write to the company that has the documents, and include   a copy of your identity theft report. You also can tell the company to   give the documents to a specific law enforcement agency. Stop a debt   collector from contacting you. In most cases, debt collectors must   stop contacting you after you send them a letter telling them to stop.   Get written information from a debt collector about a debt, including   the name of the creditor and the amount you supposedly owe. If a debt   collector contacts you about a debt, request this information in   writing. I know that you said that the main problem was that your credit account was combined with another. But there might be a chance that identity theft was involved. If this is the case, and you can prove it, then you might have access to more tools to help you. For example, you can file a report with the FTC, and along with a police report, this can be a powerful tool in stopping these charges. Feel free to go to the identitytheft.gov website for more information."


I wouldn't bother.  I think this varies from state to state, but generally her insurance would cover her even when driving someone elses car.


No, blame the politicians and bureaucrats. You can't blame the millions of people who were failed by the broken education system and shitty set of ideologies that our civilization foists on people from birth on up. The politicians and bureaucrats can and should work to begin fixing this problem, but instead they exploit it.


"I don't see how this concept takes off. First and foremost, BankSimple is NOT a bank but a tech company masquerading as one. BankSimple leaves industry regulation and treasury management -- the CORE of banking, to outside parties.  Call me old fashioned, but I prefer to have as few stops between me and my money as possible. If not for a fear of losing it in a robbery and inability to earn interest, I'd shove it under a mattress. So why would I want to bank with an intermediary, who admittently doesn't understand how the process works? How is that ""looking out for my interests""? And how is your security better than other institutions that offer 128-bit encryption and multiple security questions to test a customer's identity?  I'd like to add that not charging overdraft fees and providing lines of credit to help customers out in the event they spend more than they have is nice in concept, but what happens when those same customers do not make deposits to cover their shortfalls? When it comes to money, people will take advantage of any opportunities they have to circumvent the system. Especially if funds are tight."


You can look into specific market targeted mutual funds or ETF's. For Norway, for example, look at NORW. If you want to purchase specific stocks, then you'd better be ready to trade on local stock exchanges in local currency. ETrade allows trading on some of the international stock exchanges (in Asia they have Hong Kong and Japan, in Europe they have the UK, Germany and France, and in the Americas they have the US and Canada). Some of the companies you're interested in might be trading there.


"The account you are looking for is called a ""Positive Pay"" account.  It generally is only for business accounts, you provide a list of check numbers and amounts, and they are cross-referenced for clearing. It normally has a hefty monthly fee due to the extra labor involved."


"This is some seriously dystopian bullshit, right here. We're the richest nation on the fucking planet. We shouldn't have disabled people digging for roots for $0.80 per day just to survive. She had a bloody heart attack. That work could very well kill her. I don't know, maybe she's better off dead if this is the way the ""greatest nation in the world"" treats her.  /r/latestagecapitalism"


Hey-  I'm sorry about this comment:    >A dash of humility on your part may be in order, given the fact that you've already admitted to the reality that you aren't sure of any of this yourself.  I actually thought I responding to somebody else in the thread...I didn't catch that it was a totally different poster.    My apologies.


>it's still a foreign company that is getting the lions share of the money and contracts.  Welcome to the world of the multinational corporation. They're everywhere; its just that they used to be more likely to be based out of the US but that's changing as well - See Bayer, Honda etc for examples.


Every state has a rule about the lottery system they are publishing lotto result on their official website. Visit our website lottoplayingtowin and get some rule and regulation for playing the lottery game. You can get our lotto e-book which includes some basic lotto rule and how to play the lottery game. For lotto playing to win you can choose six numbers out of 1 to 49. Match 1 to 6 numbers from Powerball and win a small prize.


"How is it possible for the average investor to underperform the market? The ""average"" investor probably makes some bad decisions. You also might need to take transaction costs into play (including borrowing on margin), so that there's a natural ""erosion"" of returns across the market.  Meaning if transaction/borrowing costs are 1%, and the market return is 5%, the ""average investor""  Alternatively, if by ""average"" they mean the average of the population, not weighted by amount, it's plausible that the mass of smaller investors perform slightly worse than the smaller number of large investors (and have larger relative transaction costs), thus having a lower average on a per-capita basis. Doesn't the fact that investors can consistently underperform the market by making poor decisions, imply that an investor could consistently outperform the market by making the opposite decisions? No.  If my investment decisions cause me to earn only a 10% return compared to the ""average"" 12% return, then making the opposite decision will cause me to lose 10%, not to make 14%."


Banks in certain countries are offering such facility. However I am not aware of any Bank in Hungary offering this. So apart from maintaining a higher amount in HUF, there by reducing the costs [and taking the volatility risks]; there aren't many options.


I get it - we're a car culture.  I'm actually a big car guy.  That being said, the writing is on the wall as far as I'm concerned.   As I stated, I believe that it will be a carrot-and-stick approach.  The carrot is the financial and practical advantage of automation; the stick being the regulatory framework.


I would second the advice to not do this. Real estate ownership is complex to begin with, involving a constant stream of maintenance, financing, and other decisions.  It is difficult enough to do for a single individual or a family as a unit (a couple), but at least spouses are forced to compromise. Friends are not, and you can end up with long-running conflicts and impasses. Financial transactions of any kind impose tensions on relationships, and friendships are no exception. If you want your friendship to survivie, do not sacrifice it to the financial arrangement which seems like a good idea at the moment. My advice would be to steer clear, no matter how attractive on the surface the deal might look. Focus on your own individual finances and use discipline and patience to save the amount needed for acquiring a separate investment property. But it will be 100% yours, and will save tons of headache. Since you are still considering this deal, it's a great time to politely change your mind and walk away - believe me, a few minutes of inconvenience will save you years of frustration. Good luck!


"I love this:  > Of the wealthiest in each state, roughly half are founders of companies. Another major path to wealth is inheritance, with the Waltons being the most striking example.  coupled with this:  > How They Got Rich > 1. Entrepreneurs > 2. Heirs/Heiresses > 3. Widows  So inheritance isn't ""another major path"" - there are exactly two paths, founding a company and inheriting it, and each of them has roughly 50% share of the richest."


Can I Send the money back to my personal account of my mother/father in India? Yes you can. Do I need to pay any tax here in US or my parents back in India? There is no tax in India to your parents as it's treated as gift and is tax free between close relatives. In US you would need to pay gift tax if amount is more than USD 16000 a year. See other questions on this site for gift tax rules in US.


"The US Customs and Border Protection website states that there is no limit to the amount of currency that can be brought into or taken out of the US.   There is no limit on the amount of money that can be taken out of or brought into the United States. However, if a person or persons traveling together and filing a joint declaration (CBP Form 6059-B) have $10,000 or more in currency or negotiable monetary instruments, they must fill out a ""Report of International Transportation of Currency and Monetary Instruments"" FinCEN 105 (former CF 4790). The CBP site also notes that failure to declare currency and monetary instruments in excess of $10,000 may result in its seizure. Further, the site states that the requirement to report currency on a FinCEN 105 does not apply to imports of gold bullion.  However, the legal website The Law Dictionary includes details of how money laundering laws may come into play here : As part of the War on Terror and the War on Drugs, U.S. law enforcement agencies have significantly increased their vigilance over money laundering. To this effect, travelers who carry large amounts of cash without supporting documentation of its legitimate source may be subject to secondary inspections and seizure of funds. In some cases, law enforcement may confiscate cash in excess of $10,000 until supporting documents are produced. So far, I have described the ""official"" position.  However, reading between the lines, I think it is fair to say that in the current climate if you show up at an entry point with a suitcase full of a large amount of cash you would face considerable scrutiny, regardless of any supporting documentation you may present. If you fail to present supporting documentation, then I think your cash would certainly be seized.  If you are a US resident, then you would be given the opportunity to obtain satisfactory documentation.  If you did present documentation, then I think your cash would be held for as long as it would take to verify the validity of the documentation.  Failure to present valid documentation would result in money laundering charges being brought against you and the matter would rest before the courts. If you are not a US resident, then failing to produce supporting documentation would mean your cash being seized and entry into the US would almost certainly be denied.  You would then have to deal with the situation from outside of the US.  If you did produce supporting documentation, then again I suspect the cash would be held for as long as it takes to verify the validity of the documentation.  Whether or not you were allowed to enter the US would depend on what other documentation you possess."


I like those managers who insist on everyone attending a meeting, even if its not relevant to them, and then later complaining how people don't engage and prefer to check phone messages.  If they're doing everything but engaging, it's because you're forcing the wrong people to attend.


I actually think your boss is creating a problem for you. Of course it's taxable. The things IRS will look at (and they very well might, as it does stand out) what kind of payment is that. Why did it not go through payroll? The company may be at risk here for avoiding FICA/FUTA/workers' compensation insurance/State payroll taxes. Some are mandatory, and cannot be left to the employee to pay. On your side it raises your taxable income without the appropriate withholding, you may end up paying underpayment penalties for that (that is why you've been suggested to keep proofs of when you were paid). Also, it's employment income. If it is not wages - you're liable for self-employment taxes (basically the portion of FICA that the employer didn't pay, and your own FICA withholding). When you deposit the check is of no matter to the IRS, its when you got it that determines when you should declare the income. You don't have a choice there. I suggest asking the company payroll why it didn't go through them, as it may be a problem for you later on.


The Dow is the top 30 companies in the USA representing different business sectors. Companies are replaced from time to time but a math equation keeps it statistically correct.   The S&P 500 is the same concept as the Dow but with a much larger base of companies.


"These types of diagrams appear all throughout Kiyosaki's Rich Dad, Poor Dad book.  The arrows in the diagrams represent cash flow. For example, the first two diagrams of this type in the book are:  The idea being presented here is that an asset generates income, and a liability generates expenses.  According to the book, rich people spend their money buying assets, while middle class people buy liabilities. The diagram you posted above does not appear in the edition of the book I have (Warner Books Edition, printed in 2000).  However, the following similar diagram appears in the chapter titled ""The History of Taxes and the Power of Corporations"":  The idea behind this diagram is to demonstrate what the author considers the tax advantages of a personal corporation: using a corporation to pay for certain expenses with pre-tax dollars.  Here is a quote from this chapter: Employees earn and get taxed and they try to live on what is left.  A corporation earns, spends everything it can, and is taxed on anything that is left.  It's one of the biggest legal tax loopholes that the rich use.  They're easy to set up and are not expensive if you own investments that are producing good cash flow.  For example; by owning your own corporation - vacations are board meetings in Hawaii.  Car payments, insurance, repairs are company expenses.  Health club membership is a company expense.  Most restaurant meals are partial expenses.  And on and on - but do it legally with pre-tax dollars. This piece of advice, like so much of the book, may contain a small amount of truth, but is oversimplified and potentially dangerous if taken a face value.  There are many examples, as JoeTaxpayer mentioned, of people who tried to deduct too many expenses and failed to make a business case for them that would satisfy the IRS."


Windows phones do not suck.  And the xbox is the market leader, and xbox live is amazing.  But I do use a droid.  MS just needs to figure out how to play WP, and I think with Win8 coming out they finally might have something.  I simply love my SGSIII too much right now.  But I'm never loyal to a brand.  When I renew I look at everything.


Humm saw this and thought it appropriate.  40% of Millennials OK with limiting speech offensive to minorities http://www.pewresearch.org/fact-tank/2015/11/20/40-of-millennials-ok-with-limiting-speech-offensive-to-minorities/   **...and we wonder why the baby-boomers won't retire and the Gen Xers don't want to hire these fucks. They're another day-wasting Cultural Sensitivity Workshop waiting to happen.**


Mostly we invest in companies to make money. The money can be paid to as in the form of dividends that are a share of the profit.   Or the company can convince enough people that it will make a lot higher profit next year, so its stock prices increases. Clearly a company that reinvests its 20% profit from one shop to open an 2nd shop is doing well and is a good investment.      But, But, But... we only have the companies word for it!    A dividend paying company finds it a lot harder to hide bad news for long, as it will not have the money in the bank to pay the dividends.


"Meh. I'm a government apologist. Bend but don't break. The U.S. handles its emergencies quickly and its problems slowly. A lot of ""problems"" could be solved with an authoritarian government. We dont have that. We let people decide. A lot of them. We seek out and are often subjected to input. It takes a while. But our emergencies, they're already taken care of. If the debt was an emergency, a truly real here and now problem, it'd be solved."


So let's assume some values to better explain this.  For simplicity, all of these are in thousands: So in this example, you're going to destroy $250 in value, pay off the existing $150 loan and have to invest $300 in to build the new house and this example doesn't have enough equity to cover it.  You typically can't get a loan for much more than the (anticipated) property value. Basically, you need to get a construction loan to cover paying off the existing loan plus whatever you want to spend to pay for the new house minus whatever you're planning to contribute from savings.  This new loan will need to be for less than the new total market value.  The only way this will work out this way is if you bring significant cash to closing, or you owe less than the lot value on the current property. Note, that this is in effect a simplification.  You can spend less building a house than it's worth when you're done with it, etc., but this is the basic way it would work - or NOT work in most cases.


The broker that is issuing the moneys after vesting is more than likely deducting a notional amount of tax and NI based on UK income tax laws. If you are not a UK resident, then you should pay income tax on those stock options based on your own tax residency. Best thing to do is speak directly with the broker to explain the situation, ask them to not deduct anything from your stock options - but keep in mind that you will need to declare these earnings yourself and pay the correct rate of tax. From my own personal experience, the UK employer more than likely receives the net value (after the notional tax and NI have been deducted) and in usual circumstances create a tax liability on your payslip (if you were working and had earnings). If of course this deduction is being made by the employer, then you can simply ask them to correct this (most UK payroll software will automatically deduct tax and NI for payments after leaving unless manually intervened, so they probably aren't aware if it is them doing so).


Although I have tried to read as much as I can about whether HFT is good or bad for the market, I am not an expert and I am not very confident in my own opinion. Nevertheless, here's my take:    Let's say a pension plan buys a huge block of stock all at once and the market price moves against it. That's what is supposed to happen, and has always happened. HFT are able to offer tight spreads largely because they get picked off less then the market makers in earlier eras. I don't see that as HFT exploiting pension plans, I see it as them preventing themselves from being exploited.   I will acknowledge that some HFT shops have been caught doing actual market manipulation, but I believe that the vast majority of what they do is provide market making for cheaper than its ever been. FWIW the SEC [mostly agrees](http://www.bloombergview.com/articles/2014-06-05/sec-will-keep-thinking-about-high-frequency-trading) with me.


"According to this post on TurboTax forums, you could deduct it as an ""Unreimbursed Employee"" expense. This would seem consistent with the IRS Guidelines on such deductions: An expense is ordinary if it is common and accepted in your trade, business, or profession. An expense is necessary if it is appropriate and helpful to your business. An expense does not have to be required to be considered necessary. Office rent is not listed explicitly among the examples of deductible unreimbursed employee expenses, but this doesn't mean it's not allowed.  Of course you should check with a tax professional if you want to be sure."


There would be multiple competing courts looking for people's business based upon who could best interpret laws and contracts. On the contrary, courts exist because people *do* want to be there. They are people who cannot come to an agreement on their own. If a person is a hardened criminal, they aren't going to want the court system at all. Those people are in the vast minority.  The notion of a market monopoly is a myth. The market by and large does not monopolize, and examples of monopoly don't last long.  In terms of the court system and justice, no, states do not work. Police often get away with actions that would be considered criminal for the rest of us, and politicians get the same treatment. The examples of police brutality going unpunished or political action being widely opposed and still being pushed through are too numerous to list.  Again, those who would loot and destroy are in the minority. If a person has the mindset that they want to harm person and property then they don't care about whether or not there is a state. They can only be stopped by force, and force can come from any entity with the legitimacy of using it. In that arena, there is nothing special about the state.  They wouldn't have any right to restrict your freedom except to the extent of stopping you from violating the person and property of others. They don't need a constitution for that.  > Everything would just devolve into constant warfare between groups - until a single group outperformed the others of course and boom you've got a government again.  This is pure fiction. You have no evidence nor reason to actually support this. We're talking about reality, not conjecture. If you want to claim such nonsense then [you have to prove it.](https://mises.org/library/wouldnt-warlords-take-over) You can't just throw out such propaganda and expect it to be taken as fact.


With the joint bank account my wife and I have (with Wells Fargo), I am able to set up separate log-ins for each of us. Check with your bank to see what you can do.