Your question is very widely scoped, making it difficult to reply to, but I can provide my thoughts on at least the following part of the question: I have a 401k plan with T. Rowe Price, should I use them for other investments too? Using your employer's decision, on which 401k provider they've chosen, as a basis for making your own decision on a broker for investing $100k when you don't even know what kind of investments you want seems relatively unwise to me, even if one of your focuses is simplicity.  That is, unless your $100k is tax-advantaged (e.g. an IRA or other 401k) and your drive for simplicity means you'd be happy to add $100k to any of your existing 401k investments.  In which case you should look into whether you can roll the $100k over into your employer's 401k program. For the rest of my answer, I'll assume the $100k is NOT tax-advantaged. I assume you're suggesting this idea because of some perceived bundling of the relationship and ease of dealing with one company & website?  Yes, they may be able to combine both accounts into a single login, and you may be able to interact with both accounts with the same basic interface, but that's about where the sharing will end.  And even those benefits aren't guaranteed.  For example, I still have a separate site to manage my money in my employer's 401k @ Fidelity than I do for my brokerage/banking accounts @ Fidelity.  The investment options aren't the same for the two types of accounts, so the interface for making and monitoring investments isn't either. And you won't be able to co-mingle funds between the 401k and non-tax-advantaged money anyway, so you'll have two different accounts to deal with even if you have a single provider.  Given that you'll have two different accounts, you might as well pick a broker/provider for the $100k that gives you the best investment options, lowest fees, and best UI experience for your chosen type/goal of investments. I would strongly recommend figuring out how you want to invest the $100k before trying to figure out which provider to use as a broker for doing the investment.


That's because no one else is much building homes at this time, at least not at any scale.   My guess - and that's all it is - is that many capital intense businesses in the US are waiting to see if Obama gets kicked out this Fall.  If he does, I think we will see forward capital investment.  If he does not, I'd expect 4 more years of crummy economic news.


> You're saying that the best plan for America to remain relevant in the global economy is to not encourage education?   Yes, if that education is to spend 50k+ on yet another business management or arts degree. We need practical skills and degrees that back an education that allows someone to build, create and maintain. Having an educated populace that does nothing is worse than having them skip school because at least then society did not pay for the wasted education.


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You're an idiot. Apple is another company on his list.  You're laughing now but in a few years no jobs will be in the U.S. You'll be shoving burgers down your throat and helping pay for foreign countries infrastructure and school systems.


You can, in theory, have the stock price go up without any trading actually occurring. It depends on how the price is quoted. The stock price is not always quoted as the last price someone paid for it. It can also be quoted as the ask price, which is the price a seller is willing to sell at, and the price youd pay if you bought at market. If I am a seller, I can raise the asking price at any time. And if there are no other sellers, or at least none that are selling lower than me, it would look like the price is going up. Because it is, it now costs more to buy it. But no trading has actually occurred.


This!  5) 3rd shifts. China will continue to produce your product after the run is done and direct sell it. Bring in the white guy. At the end of the day, he is to take the moulds with him. Arrange this ahead of time. Sometimes they'll sell all the pieces that failed QC with your product name on it. Then thousands of angry customers are contacting you and complaining about broken products, demanding refunds. Have the destruction of failed QC products babysat.   This is why getting components made in china but assembly in North America is a lot smarter. Use different factories for different parts, redo QC steps here.  An underwater scooter manufacturer had their product made in china. They knew they would be knocked off so they sabotaged their own product. They spec'd the scooter with seals that would intentionally fail, they deleted the catalytic battery caps and some key safety systems. An 'overhaul/QC' line was set up in North America where they tore down every scooter, did their own QC and replaced the seals, caps and other components. Surprise! 2 months later Chinese clone scooters hit our shores and during testing they all imploded and failed during the first dives.


I would delay purchase of a condo or apartment until you have at a minimum, 6 months of living expenses including mortgage set aside in other investments that could be liquidated.  If you lost your source of income though disability or layoff or an unexpected termination of a grant, you need to have that cushion or a significant other whose salary can sustain payments.   You could lose a lot if you either cannot make the payments and/or the value to the apartment dips greatly.  Many folks in the recent housing bubble and Great Recession learned this the hard way.  Many lost their entire investment by not being able to make payments AND seeing their house lose 1/3 of its value.


Zurich has private banking, Singapore has commodities trading, London has EU passporting rights... unless London becomes a major physical trading city or Zurich decides to move to London there is nothing really too feed all those banks. Germany and France have absolutely no incentive to give London passporting rights, they eagerly want Londons tax revenue. you might not have an inclination but that won't be up to you. People can and will move.


December, 9, 2011 (01:30pm) :- Gold & Silver are faced to be highest selling pressure by the investors and by the daily traders after the release of initial claim data.  Initial claims are least at 3,81,000 as comparing from the last 9 month data's.  Gold & Silver trend totally negative side because Gold breaks their important support at $ 1728 which is also broke yesterday.  Under $ 1728 Gold trend totally down for Short term.  Silver have support at $ 32, which is already broke yesterday & also strong resistance at $ 32.60.  On Wednesday we saw that Big investors sold around 3500 Kg approx Gold & bought 30,000 Kg Silver.


"I just edited an employment agreement last week that had a fairly standard noncompete for the industry (""You won't go to work for my clients"") , but the last sentence was ""You will not work as a contractor or consultant within 150 miles for 18 months.""  WTF. Granting the employer the benefit of the doubt, it was intended to mean ""for any of my clients"" but that's not what it said, and as written it basically meant if I leave this job I can't work for 18 months."


People are making use of them in almost every space including hotel, hospital, home, office, restaurant, production homes, shopping complexes and more. And it actually aggravates the need to avail for expert domestic air conditioning installation, repair and maintenance services. @ https://medium.com/@airflowsouthwest/choosing-the-right-type-of-air-conditioner-50ec03c7af2e


Have you ever heard of guilt by association?   Also, just for the record and not because I give one fuck about whether you or anyone else thinks I'm a racist or not, I'm not a racist. Sorry to burst your bubble. I have more off-color friends than you probably do. Fortunately, they have their heads on straight and see the world and events for what they are, not clouded by some social justice warrior's idyllic hope for the future.


In India, as suggested above, short/long position can be taken either in F&O or Spot market. The F&O segment short/long can be kept open for appx. 3 months by taking position on the far contract. In intra-day/Spot market, usually the position has to be squared at the end of day or the broker will square it during expiry (forcibly). However, having said that, it is a broker specific feature, as per National Stock Exchange (NSE) or Bombay Stock Exchange (BSE) any transaction has to be settled at the end of T+2 days (T being the trade day). Some brokers allow intra-day positions to be open for T+1 or T+2 days as long as the margin is provided. This is a broker specific discretion as the actual settlement is on T+2 (or in some cases as the exchange specifies). So, in general, to short a stock for a longer time, F&O segment should be used.


"Since these indices only try to follow VIX and don't have the underlying constituents (as the constituents don't really exist in most meaningful senses) they will always deviate from the exact numbers but should follow the general pattern. You're right, however, in stating that the graphs that you have presented are substantially different and look like the indices other than VIX are always decreasing. The problem with this analysis is that the basis of your graphs is different; they all start at different dates... We can fix this by putting them all on the same graph:  this shows that the funds did broadly follow VIX over the period (5 years) and this also encompasses a time when some of the funds started. The funds do decline faster than VIX from the beginning of 2012 onward and I had a theory for why so I grabbed a graph for that period. My theory was that, since volatility had fallen massively after the throes of the financial crisis there was less money to be made from betting on (investing in?) volatility and so the assets invested in the funds had fallen making them smaller in comparison to their 2011-2012 basis.  Here we see that the funds are again closely following VIX until the beginning of 2016 where they again diverged lower as volatility fell, probably again as a result of withdrawals of capital as VIX returns fell. A tighter graph may show this again as the gap seems to be narrowing as people look to bet on volatility due to recent events. So... if the funds are basically following VIX, why has VIX been falling consistently over this time? Increased certainty in the markets and a return to growth (or at least lower negative growth) in most economies, particularly western economies where the majority of market investment occurs, and a reduction in the risk of European countries defaulting, particularly Portugal, Ireland, Greece, and Spain; the ""PIGS"" countries has resulted in lower volatility and a return to normal(ish) market conditions. In summary the funds are basically following VIX but their values are based on their underlying capital. This underlying capital has been falling as returns on volatility have been falling resulting in their diverging from VIX whilst broadly following it on the new basis."


While I see the argument for this, I'm not sure I agree with it.    I expect a member of the board to act in the best interest of the company while acting as a member of the board.  However, I don't think you're obligated to have every action outside of that to be completely inline with the company.  You are entitled to your own opinions.  Furthermore, I don't think that Hastings gave him the low rating because he thought it reflected poorly on facebook, but because he disagreed with Tiel's political choices.    The email quote in question:  > I’m so mystified by your endorsement of Trump for our President, that for me it moves from ‘different judgment’ to ‘bad judgment.’ Some diversity in views is healthy, but catastrophically bad judgment (in my view) is not what anyone wants in a fellow board member.  While I agree with Hastings in that Tiel's support for Trump was a bad choice, it's clear that he gave the rating to Tiel _solely_ because he differed in political views than him, and not even from the perspective of being bad for facebook, and _that_ is what's uncalled for.


I am glad they are going away. Malls are an environmental tragedy.   1)They are the product (or maybe even part of the cause) of suburban sprawl. They encourage car usage and, by virtue of their need for large open areas to be constructed, are often far from where most people work and live. As a result, patrons have to drive large distances from their houses/jobs to the shopping centers.   2) The [parking lots are tremendous waste of space and hugely damage the environment.](https://journalistsresource.org/studies/environment/transportation/parking-environmental-impacts-development-policies-research-roundup)    3) Online shopping is much better for the environment as the product can be shipped directly to the consumer.   4) Once they are built and then closed, the space where the centers sat is basically abandoned and turns into blight. Depending on the businesses that were housed in the mall and the businesses that were supported by the mail (especially gas stations), these sites could be toxic.   I am sure there are more reasons why malls are environmentally harmful, but those are a few off the top of my head.


Every 90 days add an Initial Fraud Alert to each of the 3 major credit bureaus.


"As Dheer pointed out, Wikipedia has a good definition of what a negotiable instrument is.  A security is an instrument or certificate that signifies an ownership interest in something tangible. 1 share of IBM represents some small fraction of a company. You always have the ability to choose a price you are willing to pay -- which may or may not be the price that you get. A derivative is a level of abstraction linked by a contract to a security... if you purchase a ""Put"" contract on IBM stock, you have a contractural right to sell IBM shares at a specific price on a specific date. When you ""own"" a derivative, you own a contract -- not the actual security."


> Too many Americans are born into the same poverty  I mean that was sort of my point.  Far too many young single women in poverty make the decision to bring another human being into that life, rather than working on improving their own situation first.  Their children will never have any opportunity because of their selfish decisions.


"Bank of America ""safe-pass"" generates a code that is sent to your phone as a text message. Its an optional feature, this happens during log in, if you enter that code correctly, then you are taken to your more traditional login, which also features the weak (but widely heralded) two-factor authentication which shows a picture you chose and a password field. Some other banks do other things, but yes, your craigslist phone verification is generally more secure."


"I think it really depends on what work/lifestyle you are looking for. I'm sure your more than capable of going down either route, but you should weigh up the pros and cons of each A consultant would be great, you'd be your own boss and you have overall say on how your business/career plans out, but be prepared to put in a hell of a lot of work to get it off the ground. Long hours, little time for social/family etc. But in the long run it'll pay off Employee, no worries about running your company, just turn up and perform your duties. You'll get the whole benefit package: healthcare/pension etc. You can probably go on expense paid training courses etc It depends, do you want to just be an employee working ""for the man"" or do you want to be ""the man""? I wish you luck in whatever you do! :D"


I wonder in this case if it might be easier to look for an emerging markets fund that excludes china, and just shift into that.  In years past I know there were a variety of 'Asian tiger' funds that excluded Japan for much the same reason, so these days it would not surprise me if there were similar emerging markets funds that excluded China.  I can find some inverse ETF's that basically short the emerging markets as a whole, but not one that does just china.  (then again I only spent a little time looking)


Its interesting that you state they are a mess of laws. I think sometimes we in the US are the same way. I like the idea of flat regulations however so many companies spend tons of money in order to find ways via legalese to circumvent the laws.


"At its heart, I think the best spirit of ""donation"" is helping others less fortunate than yourself. But as long as the US remains solvent, the chief benefit of paying down the national debt is - like paying off a credit card - lowering the future interest payments the U.S. taxpayer has to make. Since the wealthy pay a disproportionately large portion of taxes (per capita), your hard earned money would be disproportionately benefitting the wealthy. So I'd recommend you do one or both of the following: instead target your donations to a charity whose average beneficiary is less fortunate than yourself take political action with an aim towards balancing the federal budget (since the US national debt is principally financed in the form of 30 year treasuries, the U.S. will be completely out of debt if it can maintain a balanced budget for 30 years recanted, see below)"


The exact Financial calander followed is different for different regions/countires. The difference is more historical and a convinient practise that has no advantage / reason to change. Many Countries like US/Japan the Financial year can be choosen by companies and needs to be same every year. This need not be same as the Financial year followed by Government. Typically Banks would follow the Financial year followed by Government as this would have more direct impact on the business per say in terms of policy changes which are typically from the begining of new financial year for Government. If the Banks follow a different calander, there would be additional overhead of segregating transactions for reporting. Large corporates on other hand would tend to follow a Calander year as it is more convinient when operating in different geographies.  There is a very good article on wikipedia http://en.wikipedia.org/wiki/Fiscal_year


I'm not a fan of spending time negotiating prices within the company; that's just a waste of time, but I think assigning costs appropriately is important to evaluating the segment or department performance.  If the internal sales are done across borders there are tax impacts and you are required to charge a market rate.  Transfer pricing is a hot topic within the accounting industry


"This depends entirely on the kind of ""IT"" you're doing. A couple of examples to illuminate how wide the term is: To answer your core question: look beyond the title (""IT""), to the function you're providing to the bank, and ask if / how that function can generate money for the bank for better income possibilities; if the answer is ""none"", figure out which levers are closer to making money, and position yourself as such."


"Best Buy's customer service tomfuckery is the sole reason I will never set foot in one of their stores, ever again.    Several years, and two TVs ago, I purchased a floor model on sale.  While I didn't expect much, it was cheap.  One of the things I asked _specifically_ about was the remote.  The salesman assured me the remote was there.  I said okay and we got the thing finagled off the wall and he went looking for the remote for 30 minutes.  Came back with a remote with the same brand as the TV, and said, ""Here it is, it was mislabeled.""  We did some rudimentary tests in store -- power on, channel flip, etc.  Seemed to work.  Got it home, remote *only* worked for those basic functions -- power, channel, volume.  Anything else didn't, including the number pad, or the various ""launch netflix"" buttons, etc.  Did some research, the remote was for a different line.  So I went back to Best Buy, with the remote, and told my tale.  I asked for the reasonable:  The remote for the TV itself, or for Best Buy to order the remote from the manufacturer.  It was literally a $20 part, which I could've done, but they said they'd take care of it.  I even had the part number, and shit.  All they had to do was call the number, give them a card # and a shipping address and I would've been happy.  I got, delivered to my door, in order:  * One order, COD to my home.  I refused delivery. * A box with 3 remotes, the same model as the one I originally got, which was not the right remote.  I sent those back. * A box with a Logitech universal remote (really nice, but I already had one by that point), I sent it back. * A ""we're sorry"" letter, and a coupon for like 20% up to $500 at Best Buy.  I sealed it back up and wrote ""return to sender, not a remote"" on it, and sent it back.  Finally, after almost three months, a lady from the ""office of the President"" (at Best Buy) _called_ me, apologized profusely, conferenced in a rep from the manufacturer, and ordered the fucking remote with me on the phone.    I can only image the amount of money and time they wasted trying to save $20.    Fuck 'em."


Go for it, name an empire that purchased its own debt historically and survived.  Sure, its not a straight up ponzi, but you are too daft to tell its still about as absurd as one. Maybe you can write us a little novel from your finance 101 book, loser. You obviously are great at copying what your finance teachers taught you.   Some of us, went a little further in life, little guy.


From my memory of CFA Level 2 accounting:  * If Company A buys 50% or more of company B, they must consolidate 100% of Company B on their financial statements. The % of the business they don't own is multiplied by net income every year, and the resulting number is added to minority interest on the balance sheet. * If Company A buys more than 20% but less than 50%, use the equity method of accounting. This involves creating an asset for the purchase price paid for the stake in Company B. The asset increases in value by dividends received, that's it. * If Company A buys 20% or less, the investment is held in Marketable securities or something similar on the balance, and is marked-to-market.


> The stock market measures individual companies' ups and downs, right?  Not precisely, no. If anything it measures...  1. Information  2. Risk and Riskiness  3. Market Sentiment  > Perhaps it could even gain over my life.  One would assume that this would be a relatively flat graph, with little if any trend, and occasional spikes upwards and downwards. It'd also be subject to caps and floors, unlike the market which is only floored (at 0).  > I don't know if anyone could come up with a kind of standardised measurement we could use to do this.  It'd be impossible. Happiness is subjective *and* relative. Getting a million bucks might make me happy, but Bill Gates bored. Having a child can be conflicting intensely. The death of a loved one could be both sad and a relief.


If you quit or get fired, you have 60 days to pay back the loan. If you cannot pay back the loan it becomes an early withdrawal subject to taxes and the the 10% penalty. Taking a loan for any significant amount of the down payment is a bad idea for the reasons above. As an alternative, adjust your contributions down to get your maximum match and stash the extra money outside of your 401k in a brokerage account. If you have a Roth IRA already, you can into using up to 10k of it for a first time home purchase.


He's definitely right, I buy a ton of stuff from Amazon, and get lots of problems both from Amazon.com and 3rd party items. I also sell on FBA and basically everyone of my shipments has some problem in the warehouse, either items get damaged or lost. Amazon will typically reimburse it, but it's still a pain.  The worst thing that happened though was to a friend of mine, he had 2 private label products that were great sellers, he sent a shipment in and Amazon mixed it up with somebody else's stuff or something, and he got like 100 orders of both products where the customer got the wrong thing because of Amazon's error. They eventually paid him for the inventory beut his product got bad reviews and went from selling 20+ a day to 1 or 2 a week. Pretty much killed his business.


"Here is the way I would estimate your taxes.  Remember that a bi-weekly paycheck means that you get 26 paychecks per year. If the $1000 federal refund is too much for you, you can decrease your withholding to bring your refund down.  This can be done by increasing your exemptions claimed on your W-4.  See ""How can I adjust tax withholding so that I don't get a large Tax Refund?"" for more details. However, keep in mind that your state withholding is perfect right now, and if you increase your exemptions, you will likely owe tax to the state, unless you increase your state withholding at the same time."


You do realize that the deficit grew as a factor of the GDP faster under the last couple of GOP administration's than it did under the last couple of Dem administration's? Hook, line and sinker. The GOP thinks that they can talk about deficit neutral bills and people won't see all the tax cuts for the wealthy which add to if not accelerate the deficit...  Shoot, just compare the deficit of to states like Kansas and Missouri to see how GOP run states fare...


non-resident aliens to the US do not pay capital gains on US products. You pay tax in your home country if you have done a taxable event in your country. http://www.investopedia.com/ask/answers/06/nonusresidenttax.asp#axzz1mQDut9Ru but if you hold dividends, you are subject to US dividend tax. The UK-US treaty should touch on that though.


If I hold a bond then I have a debt asset. If I hold physical silver then I have a commodity asset. If I hold the stock of an individual company then I have an equity asset. Equities, commodities and debts are the three kinds of assets that a person can hold.  Edit: I forgot one other kind of asset; monetary asset. If I stuff my mattress with cash (USD) I am holding a monetary asset.  Short-term Treasury Bills really behave more like a monetary asset than a bond. So besides actual, physical, currency I would categorize T-bill as a monetary asset.  https://www.treasurydirect.gov/indiv/products/prod_tbills_glance.htm


I already know of this method. I was creating a peer group and found 4-5 very similar companies, however one of them is a foreign public company with a subsidiary competing directly with a company I am trying to find the beta for. I guess I have to omit this company because it's strictly foreign?   Also, what do I do if I can't find any public companies that are similar to the company I am trying to value?


Fidelity answers this pretty well: Yes. The IRS requires that you keep your receipts for HSA   account expenses. While you will receive an HSA bank   account statement each month and you can access your   account online, the receipts will be required should you ever   be audited by the IRS. You may upload your receipts to the   PilotHSA system for easy retrievel at a later date.


Regarding the tax implications half of your question ... There seem to be a lot of articles that say there's not yet any established law concerning the tax treatment of crowdsourced funds. Since your objective is gift-giving rather than business purposes, it would seem that the gift tax rules would apply, and gift taxes are charged to the donor not the donee.  (But I am not a tax attorney.)


"This is the best tl;dr I could make, [original](http://angrybearblog.com/2014/09/why-the-rich-hate-inflation-because-theyre-creditors.html) reduced by 78%. (I'm a bot) ***** > So given an outstanding stock of trillions of dollars in fixed-interest loans/bonds, an extra point of inflation should transfer tens of or hundreds of billions of dollars a year in real buying power from creditors to debtors.  > While the 20% certainly have debts, they owe them mostly to themselves as bank shareholders, so The-20%-As-Debtors don&#039;t benefit from the cheaper payback caused by inflation; it&#039;s a wash.  > It&#039;s roughly 3% of the 20%ers annual income from capital,* and only $6,000 a year for each of the 20 million households in the top 20%. But you can be quite sure that that number is at least one order of magnitude larger for households in the top 1,.1, or.01%. If the top 1,000 or 10,000 households perceive themselves as losing, say, $600,000 a year in real buying power for each point of inflation, are you curious why they hate inflation?   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6j48pa/why_the_rich_hate_inflation_because_theyre/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~151146 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Inflation**^#1 **bank**^#2 **year**^#3 **million**^#4 **20%er**^#5"


Does you job offer a retirement plan?  (401k, SIMPLE, etc)  Does your employer offer a match on contributions? Typically an employer will match what you put in, up to a certain percentage (e.g. 3%). So, say you contribute 3% of your paycheck into your retirement plan. If your employer mathes that, you've effectively contributed 6%. You've just doubled your money! The best thing a young professional can do is to contribute to your employer-matched retirement plan, up to the maximum amount they will match. You should do it immediately.  If not, you are leaving money on the table.


You're basically correct, but this may help:


Social networks have consumed distances and information, nowadays like a shower of fire. A businessman, a scientist, a student or anyone, it is not possible to imagine his life without social networking sites. This is best done with a businessman, scientist, student, etc. Social networking sites like Facebook, Instagram, Twitter, etc., collect a lot of our attention. There are more than millions of people who register on these social networking sites. The site, which receives more followers each month, is Instagram. If anyone wants fame or publicity, they should immediately buy active Instagram followers.


"I do actually agree.  But here's where I'm coming from - another redditor once told me ""pirates are just looking for excuses to do what they want"".  He meant it disparagingly, but I fully agree.  Downloading movies is cheap and convenient, and so pirates look for excuses to justify that.  The high prices of movies and cinemas, the immoral actions of the studios, the inconvenient alternatives, etc all add up to excuses that can be used.  Without those excuses, you get cognitive dissonance.  And this internal pressure is what persuades people to pay.  Just an example, I haven't pirated any games since Steam came out.  I pay an average about $5 per game or something and have literally hundreds of games.  There have been the occasional game that I've missed out on but I can live with that."


High frequency trades are intra day. The would buy a stock for 100 and sell for 100.10 multiple times. So If you start with 100 in your broker account, you buy something [it takes 2-3 days to settle], you sell for 100.10 [it takes 2-3 days to settle]. You again buy something for 100. It is the net value of both buys and sells that you need to look at. Trading on Margin Accounts. Most brokers offer Margin Accounts. The exact leverage ratios varies. What this means is that if you start with 10 [or 15 or 25] in your broker you can buy stock of 100. Of course legally you wont own the stock unless you pay the broker balance, etc.


Simply file an amended return to correct the mistake. This happens all the time and is a standard procedure that every legitimate tax pro can handle. You can work it out with the tax pro about whose mistake it was and who should pay for the additional service.


Carrying out marketing research is, however, a challenging, time-consuming, and costly proposition if you choose to do it on your own. Because of the hassles, time and effort involved in marketing research, majority of businesses now prefer outsourcing their marketing research to the marketing research companies.


Oh that ought to do it.  Gaming systems not using DirectX? Better make our own game system.  Windows Phone sucks? Phone makers just aren't using it right. Better make our own phone.  Every market they enter, they create a loss leader and try to push out the competition. Well I think consumers are onto this. Windows Phone sucks. Android and IOS will continue to lead the market.


"Your question is one of semantics.  ETFs and mutual funds have many things in common and provide essentially the same service to investors with minimal differences.  It's reasonably correct to say ""An ETF is a mutual fund that..."" and then follow up with some stuff that is not true of a typical mutual fund.  You could do the same with, for example, a hedge fund.  ""A hedge fund is a mutual fund that doesn't comply with most SEC regulations and thus is limited to accredited investors."" As a matter of practice, when people say ""mutual fund"" they are talking about traditional mutual funds and pretty much never including ETFs.  So is an ETF a mutual fund as the word is commonly used?  No."


Im just saying I am familiar with this stuff and I have seen the way things work there and how capable they are of replacing someone like Walmart anytime soon. Again, it could happen in the not too distant future but it's at least a decade out before things get bad for Walmart.


Debt is no fun. Getting out of debt to replace it with more debt is no fun. In both cases, you are making an investment in your child's future. That's laudable, but there might be other ways to economize on the education costs. I prefer HELOC debt because I can deduct the interest (as you pointed out) and it usually allows re-borrowing if other cash-flow problems crop up. The downside of borrowing against your house is that your house could be foreclosed if you become insolvent, and you will lose your buffer if you max out the equity now. The same problem exists with a 2nd mortgage. The fact that you would still have a mortgage either way does make the option more attractive though (or less unattractive anyway).


The Owners of stock keep changing with every Buy and Sell. Hence its theoritically possible that everyone makes or loses money. Say the price was $10 when everyone purchased the stock. If the stock is doing good and the markets are good, the stock will move up to $12. Everyone sells the stock to someone else. So all the Old owners have made $2. Now after some period of time, the stock / company is not doing so well, and the markets are bad, so the stock falls to $11, everyone sells. So all the current owners make a loss of $1.   However in normal market conditions, there are Owners who have purchased stock at different price points and have held it irrespective of whether the price has gone above their purchase price or below their purchase price.


You would report the overall income on your T1 general income tax return, and use form T2125 to report income and expenses for your business.  Form T2125 is like a mini income-statement where you report your gross revenue and subtract off expenses.  Being able to claim legitimate expenses as a deduction is an important tax benefit for businesses big and small. In terms of your second question, you generally need to register for a business number at least once you cross the threshold for GST / HST. If you earn $30,000/year (or spread over four consecutive quarters) then charging GST / HST is mandatory; see GST/HST Mandatory registration.  There are other conditions as well, but the threshold is the principal one. You can also register voluntarily for GST / HST even if you're below that threshold; see GST/HST Voluntary registration.  The advantage of registering voluntarily is that you can claim input tax credits (ITC) on any GST that your business pays, and remit only the difference.  That saves your business money, especially if you have a lot of expenses early on. Finally, in terms of Ontario specifically (saw that on your profile), you might want to check out Ontario Sole Proprietorship.  There are specific cases in which you need to register a business: e.g. specific types of businesses, or if you plan on doing business under a name other than your own. Finally, you may want to consider whether incorporating might be better for you.  Here's an interesting article that compares Sole Proprietorship Versus Incorporation.  Here's another article, Choosing a business structure, from the feds.


"Labor is the only thing that has value. What do you have other than your time, your abilities-- that is, your labor potential? The economy is made of *people*, not *trading*. Marx talked about this ""inverted world"" of capitalism, where a strange focus is given to exchange value, as opposed to use value. Expending and comprehension of human effort is all that we have; as late capitalism begins to collapses and post-capitalism rises (as in the startup world and some other segments, where laborers have a decision-making stake in their company and work for equity/salary as opposed to hourly slavery (i.e. they ""sieze the means of productions"" in modern terms)), we realize our maps are now ""worth"" more than the territory they represent."


Have you found a general contractor to rebuild your home? I would imagine that someone with a bit of expertise in the area is used to dealing with insurance companies, floating the money for a rebuild, and hitting the gates to receive payment for work accomplished.   Business are used to not receiving payment when work is accomplished and it is part of the risk of being in business.  They have to buy materials and pay employees with the expectation of payment in the future.  Much like workers go to work on a Monday for the work that day, three Friday's later, business often have to float costs but for longer periods of time. If you are looking to be your own general contractor then you will have to float the money on your own. The money should not be used for living expenses or mortgage payments, it should be used for down payments in order to get the work of rebuilding started.


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>We Gen Xers are losing our highest earning years of our lives while the Millenials are losing the lowest.   That's not how it works. You don't just magically start making more because you're older, you make more because you have more experience. Millenials are losing more because not being able to find jobs now prevents or delays their reaching those higher earning years.


I am not fit but not overweight, I never go to the gym, just eat healthy.  My co-workers all in their late 30's early 40's all are very fit, and all go to the gym at lunch time for like 1.5 hours.


"I think you are giving Jamie Dimon too much credit for actually having his thoughts together before making these kind of comments.  When he emphasizes ""business tax scheme"" he means low corporate taxes. His call for ""regulatory reform"" is just the usual banker B.S. that they desperately need to be able to gamble with other people's money to make bad mortgage loans and other such crap.  The connection to very high *personal* taxes to pay for infrastructure would need to be explicit for me to believe Dimon was making it.  Really, at least in these public-facing statements, Dimon is pretty stupid compared to what you might think a CEO of a major bank would be. Maybe Dimon is brilliant in some other way, but putting economic analysis into words is not it.  If the 2008 crisis taught us nothing else, it is that there are a lot of really stupid billionaires. https://medium.com/bull-market/digital-locability-and-interocular-trauma-973397192975"


I personally would do it the other way around. Most professors are textbook professors, there's not much they can provide to leaders than what leaders already know. However it would be beneficial for professors to hear more from leaders (large or small) since the world is changing and they can take that real life experience and share them with students. Just my 2 cents.


When it comes to the inner beauty of the place, every room available in California hotels can make you have a great time. You can make your choices among the offered rooms which are smoking, non-smoking, and spacious suites for your own convenience.


"One of my New Year's resolutions a few years ago was to give up New Year's resolutions.  It's the only resolution I've kept.   Why wait until Jan. 1 to do something?  Jan. 1 is just another day of the year. I'm thinking of going lightly into treasury bills next year. Never mind the small returns, at least I won't be spending the money unwisely. You will be giving your money to the government so they can spend it unwisely.  I don't think there is anything wise about that.  You are also implicitly lobbying for future taxes since the government will have to tax people to pay back your treasuries.  Surely there are ""wiser"" places to put your money."


My understanding is you can create a company 0 value. Then you need to either loan the company the money to buy the building (it will still have 0 value as it will have a debt equal to it's assets) or sell share to investors at any price you like to raise the money to buy the building.  Once shares have value (as valued by a chartered accountant - not anyone can do this) then anyone recieving shares will have to pay income tax. This is why keeping the shares as no value for as long as possible can be preferable. Also a benefit of using share options. talk to your investors, see what they require.


Most companies that have employee discounts have policies to prevent exactly this. Sometimes they will say that you can only use the company discount for products that you intend to use yourself, they'll specifically ban buying things for friends. Of course enforcing such a rule can be difficult, but a car is a big enough purchase that if they have such a rule, they're likely to pay attention. Other times they try to discourage letting friends use your discount by having rules that make it awkward. Like I used to work for a furniture company that said you had to pick up the furniture personally at the office where you worked. So if you wanted to buy a sofa for your brother who lived in another state, you'd have to pay to ship it, and probably wipe out most of the savings from the employee discount. My daughter's employer says you have to show your employee ID when you make the purchase and then they deduct it from your next paycheck. So you'd have to get your friend to pay you back, maybe loan them your ID if they want to pick it out, which would get awkward. Etc. Assuming the company doesn't care if you buy with an employee discount and re-sell, or their rules are lax enough that you can get away with it, I'm not aware of any law that would stop you. In general there aren't any laws against you re-selling things you've bought. People have garage sales and sell used cars and the like all the time. (There are specific exceptions. Like you can't re-sell prescription drugs.)


In an age of terrible customer service, I'd say an easy customer service experience improves my perception of the brand and makes me more likely to buy one of their products again. But maybe that is just because companies have set the bar so low with atrocious customer service in recent years...


"significant moral hazard is something to consider. If you want to help someone, give them a gift, make sure everyone knows that it is a gift with no strings attached, and move on. That's charity and it's a great thing. If a medical emergency pops up and he's poor the government already provides the safety net we're all paying for. of course setting something like you suggest up creates expectations. That's why welfare programs are universally detrimental to the individual. ""Why work when someone else is going to give me money every month?"" That's basic human nature."


So why not talk to your employer, and ask them to pay you in gold dust? Then when tax time comes, just convert some gold dust into the amount of USD in taxes you owe.   Of course, you'd have to find farmers and shoemakers and electronic stores willing to accept payment in gold dust as well...


You currently have 5400€ between you and 2600€ expenses leaving you 2800€. You currently keep 1900€ and she keeps 900€ at the end of each month splitting 68/32. If you marry and have a child, your combined income will go down to 4900€ while your expenses will increase by 300€ to 2900€ leaving 2000€. You could continue to split 68/32 leaving you 1360€ and her 640€. If you use this split you will lose 540€ and she will lose 260€. That's a 28% loss for you and a 28% loss for her from your end of month take home. So far it sounds reasonably fair. What about the future? For each raise, the person getting the raise keeps 66% of their raises. If you get the majority of the raises, you keep the majority of the benefit, but both benefit from the increase. Any future increases in expenses can be split as negotiated based on who benefits from those increases. That's basically what you are doing now considering that adding a child will cost a lot of her time, not just your money.


I was born in '63 and I have not had it so good.   The 80s and early 90s were good. They hired anybody with a pulse back then.  The late 90s and 2000s were horrible. I could not find anyone who wanted to give me a chance and I did the most soul-crushing, low paying things to keep feeding myself and stay out of debt.  I finally found something decent--pay is not great but the work is professional--and worked my hiney off the first two years until somebody noticed. Then I got a promotion.   I will be doing this work and working hard at it, until the day I drop dead and I'm damned grateful for it! Although I am maybe several hundred K behind in total earnings compared to the folks 10 or more years older.  Don't hate all of us. We didn't all make them mess and a lot of us suffered from it, too.


After all the NSA debacuhery on our privacy, I have gotten extremely paranoid about what I put onto my system. While ICQ does certainly bring back memories, I am not about to install yet another messenger on my iPhone without having some privacy assurances.  Redphone on Android and Signal on iPhone seem to be a better choice. Sure, at this point it is voice only, but text will be coming this year.


I don't follow Bitcoin but that seems like a really good service to offer to businesses. It protects their money and it nets out a commission (presumably) on each transaction. Plus, it helps create more acceptance of Bitcoin as a currency which leads to more transactions. Brilliant really.


"> itional home console manufacturer in the next 10 or so years. I think there will still be the ""Xbox"" but it's going to be a much different system than what's currently offered. Either with a more PC-like interface or eventual Xbox service integration on all Windows computers.  Great point!"


Considering I know people who don't give a rats ass about football but watch the Super Bowl for the halftime show, the commercials and the score, the NFL should be shelling out a big piece of those tickets to the performers and give away free ad time.


"Whoa whoa whoa, let's not twist that data and make an assertion that it doesn't support. Yes, medical inflation has outpaced the CPI for ages, *but* when you disaggregate spending into Medicare (US single-payer) and private insurers, [Medicare is able to better contain costs](http://content.healthaffairs.org/content/22/2/230.full) (my hypothesis: likely due to its ability to leverage its scale and keep costs low, while private insurers are fragmented against strong provider networks).   But wait! you're thinking: shouldn't market forces keep insurance outlays low? It's Econ 101, right? Theoretically they should, but this ignores the industrial structure of healthcare providers and assumes perfect competition that doesn't exist. Typically, providers (doctors groups, hospitals, etc) are [highly localized and able to exercise significant market power in a community](http://content.healthaffairs.org/content/23/2/8.full) relative to several insurance plans who are competing to contract that provider ""in-network."" For example, when Aetna, Cigna, and BCBS go up against, hypothetically, Cedars-Sinai to negotiate payment rates, Cedars has the ability to obtain high reimbursement rates because the three insurers have to have that provider in-network to remain competitive. Ironically, the less competition on the insurer side in that market, the better reimbursement rates would be observed since the sole insurer would capture a large fraction of patients in the geographic area served and could use that volume to negotiate better rates.  Finally, there's the overhead issue. Medicare has lower overhead expenses than private insurers do (again, my guess: greater economies of scale and lower advertising and marketing costs, coupled with no profit motive). [Even health insureres themselves agree (.pdf warning)](http://www.cahi.org/cahi_contents/resources/pdf/CAHI_Medicare_Admin_Final_Publication.pdf) that Medicare has lower overhead costs, and that includes some questionable addition of what the authors claim are hidden Medicare expenses.  I'm inclined to believe that a single-payer is probably more efficient and cheaper than a fragmented private insurance market. That said, I also find some sympathy to the argument that maintaining a robust private insurance market may spur innovation on payor innovation (e.g., increased participation in wellness programs for enrollees, or increasing the likelihood that patients be more sensitive to costs and benefits when seeking care). After all, countries like Germany and Switzerland are able to maintain a private insurance market while ensuring nearly universal coverage. Either way, though, arguing that health inflation alone makes single payer systems ""mathematicaly unsustainable"" isn't a strong argument, since private insurers are currently doing **worse** on cost containment."


"Someone's (or, a bank's) ""exposure to equities"" refers to the amount of value which has a risk that fluctuates with the equities market (ie: the stock market). In very broad terms, I think it might make sense to say that exposure to equities could mean, for example, owning many rental properties, if the rental market was ""highly correlated"" with the equities market. That is - if house prices go down when the equities market goes down, and if that relationship is very strong, then owning a house means you are exposed to the equities market.  However, in the sense it is used there, it seems to mean direct exposure to equities - ie: owning stocks and stock-based funds."


"Why? Simply: because it has been mandated as law, and so you may have no choice in the matter whether to contribute or not. Quoting from GOV.UK – Workplace pensions: ‘Automatic enrolment’  A new law means that every employer must automatically enrol workers   into a workplace pension scheme if they: Next: even if you think you will work ""until you die"", you can still access the money saved in the pension scheme when you attain the required minimum age for withdrawals under your scheme. For instance, that may be age 55, but it may also vary by scheme. Becoming fully retired — as in stopping all work — is not a requirement to access retirement income from your pension scheme. In the eyes of a pension scheme, retirement is typically when you elect to take your income benefits according to the established rules of the scheme. Quoting from nidirect – Working past State Pension age: Continuing in work and your workplace pension  If you reached the age at which you can start claiming your workplace   pension scheme, you don't need to stop work in order to claim. You have   a number of options, including taking some of the pension you've built   up while continuing to work for the same employer. As to why things are set up this way: While some younger folk may, today, expect to continue working until death, for a variety of reasons that isn't always possible. Two typical such reasons are: disability, and involuntary unemployment (i.e. willing and able but still can't land the next job). Moreover, plans change. Young workers with health and vitality may expect they'll always feel invincible, but end up learning otherwise over time, and may come to appreciate the savings that were forced upon them. The ""forced savings"" aspect of state and state-sponsored pension schemes are meant to provide some safety net for those later years when it is a strong possibility that one can't continue to work. The alternative is to be a 100% burden on family and/or society."


Value investing is just an investment strategy, it's an alternative to technical investing. Buffet made money picking stocks.  It's not obvious how that adds value, but it does. Everything about the stock market is ultimately about IPOs. Without active trading, of stocks after issue, no one would buy at the IPO.  The purpose of an IPO is to finance the long-term growth of a business, which is the point in the process where the value to the people gets created.  There is a group of elites that needs to be dealt with, you're correct, but I worry that your definition of this group is overly broad.


"I was rooting for the cancer. If you can't figure out by 30 that basic decency not only is intrinsically good, but is also in your own self interest you don't deserve the basic respect of others.  Shitty humans do more damage to the planet on a day to day basis than any ""genius"" does good.   This stupid prick took an existing technology, dumbed it down to attract the stupid, and prettied it up to attract the narcissistic.  You venn diagram the stupid and the narcissists on this planet and you'll see how it wasn't rocket science."


One important answer is still missing: governments may not be able to do print money because of international agreements. This is in fact a very important reason: it applies to the entire Eurozone.  (I admit that many Eurozone countries also not allowed to borrow as much as they do now, but somehow that's considered a far lesser sin).


Wow - just noticed you talked to a posting bot all week. Congrats for being such an idiot you will keep replying to a bot :)  I set it to post to any replies to this thread to see how long you'd play, and just noticed you were still playing. Hahaha :)  Guess you didn't notice the replies were all the same?  Later moron.


What about people who's products aren't bought?  People who get paid to make money out of thin air.    And what happens when those people make enough money to buy legislation that benefits themselves while hurting people who actually do make stuff for a living?  And what happens when those people's activities cause the world economy to come crashing down?  And what happens when those people's losses are involuntarily insured by people who had nothing to do with the problem in the first place?  This isn't as simple as not buying an iPad because you think Apple charges too much.


It doesn't matter which way you use.  As long as your comfortable with the overall level of risk/reward in your portfolio, that's what matters.  (Though I will say that there are more investment vehicles than stocks, bonds, and cash that are worth considering.)


So for quarters So, if Q1's value was 10 and Q2's value was 25 For closing or opening prices, I would use closing prices.  For instance, some used Adjusted Close or Close on Yahoo Finance (see this example of AAPL). Added Note: In your example, for your example, you'll want to take the absolute value of the denominator (aka: divisor), so an Excel formula might look like the below example ... ... where the new and old are cells.


"A TFSA is a tax free savings account.  It is a type of account where you can buy various investments like stocks, bonds, or funds (mutual, exchange traded, and money market).  There are some other options but it's best to see what your bank or broker will allow. You probably specified the type of investment when you opened the account.  You can look at your statements or maybe online to see what you're invested in.  My guess is some kind of HISA (high interest savings account).  This is kind of the default option for banks. The government created these accounts for a variety of reasons.  The main stated reason was to encourage people to save.   Obviously they also do things to get votes.  There was an outcry after the change to a type of investment called ""investment trusts"".  This could be seen as a consolation prize.  These can be valuable to seniors for many reasons and they tend to vote more often.  There was also an election promise to eliminate capital gains taxes in some fashion. It's not profitable for the government, in fact it supposedly cost the federal government $410 million in 2013.  Banks make money by investing your deposit or by charging fees. You can see what every tax break 'costs' the government in lost revenue here http://www.fin.gc.ca/taxexp-depfisc/2013/taxexp1301-eng.asp#toc7"


I used to assume that but now I have price check most things elsewhere.   Also, the labeling/pricing practices of sellers have gotten out of control.   I recently bought tea on amazon and I'm not joking when I say that the exact same products would be listed at vastly different prices from different sellers - in one case, at the same time, the same item was priced at $6, $8, $23 and $29 from different sellers. You may think (as I first did) that the differences are due to size, quantity, shipping, or slight feature differences - nope.   There's no unit standardization, so it's hard to compare the prices of the same product from different sellers.   IDK why amazon allows that crap. It can't make much money relative to the costs of teaching users that they have to doublecheck everything on amazon.


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The situation you're proposing is an over-simplification that wouldn't occur in practice. Orders occur in a sequence over time. Time is an important part of the order matching process. Orders are not processed in parallel; otherwise, the problem of fairness, already heavily regulated, would become even more complex. First, crossed and locked markets are forbidden by regulators.  Crossed orders are where one exchange has a higher bid than another's ask, or a lower ask than another's bid.  A locked market is where a bid on one exchange is equal to the ask on another.  HFTs would be able to make these markets because of the gap between exchange fees. Since these are forbidden, and handling orders in parallel would ensure that a crossed or locked market would occur, orders are serialized (queued up), processed in order of price-time priority. So, the first to cross the market will be filled with the best oldest opposing order. Regulators believe crossed or locked markets are unfair.  They would however eliminate the bid ask spread for many large securities thus the bid-ask cost to the holder.


This is more an /r/personalfinance question, but I'll give my 2 cents. No matter what, the fund you invest in is going to be subject to risk, so you could end up losing money. It would definitely be a gamble.   If you have other debt at higher APR than the loan, it could be beneficial to pay that off using extra loan proceeds.


"20-year Treasury Bonds are not equivalent to cash, not even close.  Even though the bonds are backed by the full faith and credit of the U.S. Government, they are long-term debt and therefore their principal value will fluctuate considerably as market interest rates change. When interest rates rise, the market value of 20-year bonds will drop, and drop more than shorter-term bonds would.  Your principal is not protected in the short term.  Principal is only guaranteed returned at the 20-year maturity of those bonds.  But, oops, there is no maturity on the 20-year bond ETFs because every year the ETF rolls the 19-year positions into new 20-year positions! ;-) For an ""equivalent to cash"" piece of a portfolio, I'd want my principal to be intact over the short term, and continually reinvested at the higher short-term rates as rates are rising.  Reinvesting at short-term rates can be an inflation-hedge.  But, money locked in for 20-years is a sitting duck for inflation. Still, inflation aside, why do we want our ""equivalent to cash"" position to be relatively liquid and principal-protected? When it comes time to rebalance your portfolio after disastrous equity and/or bond returns, you've got in your cash component some excess weighting since it was unaffected by the disastrous performance. That excess cash is ready to be deployed to purchase equities and/or bonds at the lower current prices.  Rebalancing from cash can add a bonus to your returns and smooth volatility.  If you have no cash component and only equities and bonds, you have no money to deploy when both equities and bonds are depressed.  You didn't keep any powder dry.  And, BTW, I would personally keep a bit more than 3% of my powder dry. Consider a short-term cash deposit or good money-market fund for your ""equivalent to cash"" position."


I suppose they still could risk hyperinflation? Anyways, if they got their own currency that would probably be positive for their exports. Still, what are they going to export? Buying any raw materials would be super expensive with their devalued currency. What is your thought about their exporting with devalued currency?


You can probably roll it over into the new company's 401k too, so just talk to your HR rep there.  I set up a separate Vangard IRA so when I changejobs or anything, I just dump my investments into that account and don't have to worry about keep track of them all over the place.


First, you need to understand how modern insurance companies operate. On the front end, they write contracts with customers, collecting up front premiums, and promising to pay out to cover future losses. Efficient premiums cover exactly what's paid out; if you charge too much customers leave for competition, and if you charge too little the company goes under, or at least loses money. Large armies of people are employed to accurately guess future risks, hopefully to the point of certainty you have in human mortality.  So over time, they will pay back those premiums. And there's a constant stream of new premiums coming in to replace money going out. So there's this effective pool of money they can use to buffer against large losses with; it's called float. And when the pool of money remains relatively constant, they can invest it longer term than the people who comprise the underlying risk. Large insurance companies like Berkshire Hathaway function in this manner; it's where Warren Buffet finds capital to invest while hiding from Wall St in Nebraska. The way these companies profit is by making sure the equation works:  Profits = Premiums - Payouts + Return on float Payouts could be just payments for insured risk. But they could also be for the whole life insurance you're running across from time to time. These contracts offer the insured the chance to invest their money with the people who invest the float. And as long as the return on float is greater than the return they're offering, it's still profitable for the company. Since this guarantees suboptimal returns for you, it's usually a good idea to buy term insurance (much cheaper) and invest the difference yourself.


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"I think at this point you and the other person who seems to ask this question in multiple permutations needs to talk to a local expert rather than continuing to ask the same questions with slight fact variations.  This all happened when you were 9.  If you think there was foul play involved, at the minimum it will be difficult to prove 16 years on. Somehow I doubt there are 2 people on Toronto whose parents bought them whole life insurance policies in 2000 asking the same questions at the same time. If you don't want the coverage or you think the whole thing was a mistake, cash the policy out.  According to the other question about this policy there's nearly $7,000 of cash value there.  Just take the money out and move on with your life.  Unless you're willing to sue your ""mentally ill"" mother over the $1,500 net loss ($530 premium times 16 years minus $7,000 cash value) I'm not sure what recourse or advice you're looking for.  And even that assumes she's paying the premium with your money. Separately, if your mother is the owner of the policy and paying with her money I'm not sure why this involves you at all.  Parents buy life insurance on their children all the time."


Never ever use a giant monster mega bank for home loans.  I am sure you probably didn't and they bought your loan from someone else.  You have no legal options.  What you should do Is look at getting a new loan maybe a 15 year loan.  Your payment might be the same with no PMI. I would check with a relator to see what they think your home is worth.  Also if you have any money you can always pay extra to the principle and get yourself to 20% based on the next appraisal.   You might have a legal option regarding what they say you need in value 350k is what it should appraise to for you to get rid of pmi when you owe 280k Remember Citibank is a publicly traded company and their goal is to make more money. The CEO has a fiduciary relationship with stock holders not customers.  They seriously have board meetings to figure out what charges they can invent to screw their customers and make shitloads of money.  There is no incentive for them to let you get out of your PMI.


"First of all, you need to stop using the card completely. Yes, that means you lose out on cash back, double miles, whatever, but that's how you got to this mess in the first place.  Switch to a cash budget until you can consistently spend less than you bring home.  Keep better track of your expenses, build an emergency fund, and learn to save for expenses rather than borrow for them until you have your spending under control.  If you can't cut your expenses any more, consider ways to increase your income (more hours at work, part-time jobs, sell stuff, etc.) Assuming that the employer match is 1-to-1 up to 4%, and you're saving an additional 7 percent to get to 15% total, I would definitely lower your contribution down to 4%, get the card paid off, and ONLY bump your contribution back up once you can safely pay off the card each month and know how much you can contribute.   It is not wise to put 15% in retirement if that causes you to spend more than your net take-home pay.  Your ""13%"" in your Roth is not guaranteed by any means, but the interest you pay on your credit card is. I would even be tempted to cut your retirement completely until the debt is paid, but more for motivational reasons that mathematical: I would be more concerned about living within your income at this point than getting a company match.  I believe the benefits of spending wisely will outweigh a temporary loss in matched retirement funds in the long run."


> You could raise the tax rates to 99% and still collect less tax revenue than if they are at a reasonable rate.  It is funny how Republicans insist raising taxes produces no more revenue and then insist lowering taxes saves people money.


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If you get an INR 1000 discount for paying up front versus paying over six months, you can consider that INR 1000 interest. Your annualized rate comes out to about 14.76%. If you can earn better than 14.76% on that money by using it elsewhere in the mean time, then you should pay over six months. If not, you should pay the whole price up front. You may also elect to pay the interest if you do not have the full amount now, but the use of the phone for the next six months will earn you more than the INR 1000 premium that you pay to defer the full purchase price.


"Why would it being private be necessarily evil? And it is for profit, but it's not a business trying to maximize profits. It is trying to keep the banking system stable (among other uses), and a stable banking system benefits us all. Finally, the Fed is made of many branches, and they fight over policy, so it is not some monolithic entity trying to screw people. And it's private because history has shown giving politicians the power the Fed has turns out badly for economies, which is why most economies now structure ther central banking along similar lines.   I actually started learning after reading ""The Creature from Jekyll Island"" which paint the Fed as a monster designed to rape the populace, and I was so outraged I wanted to help fight it. As I read through it's documents, read economic theory to understand, and read through historical boom and bust cycles, I learned that the Jekyll Island types vastly ignore large components of history and economics.   The way I think of that book now is: if I only told you the cases where airbags killed poeple, you'd think airbags are horrible and should be banned, and I could list many details all of which could be true. But I'm ignoring many other needed facts. Without careful weighing of both sides including all data can you find that airbags are actually a very good thing, with some bad cases. The Fed to me is the same."


The Federal Reserve Bank of Atlanta's widely followed GDP Now expects the second-quarter growth figure to come in at 3 percent  --8 years and Obama never had a 3% growth year, but this is REALLY bad news...


Banks and lenders have become a bit more conservative since the housing crisis. 80% is a typical limit. The reason is to minimize the lender's risk if declining property values would put the borrower upside-down on the loan. http://www.bankrate.com/finance/home-equity/how-much-equity-can-you-cash-out-of-home.aspx


"From one millionaire to another, perhaps I can allay your fears.  I am still long and continue to invest.  >Trade wars  Won't happen.  Trump listens very carefully to the business community and they all tell him it's political and financial suicide.  Remember how fast Trump backed off the NAFTA termination when the business community told him how many billions of dollars would be destroyed and tens of thousands of jobs lost?  NAFTA is no TPP.  NAFTA was in force and the positive benefits already quantified with real dollars.  Trump was able to pull out from TPP because it was never in force so there was nobody howling about job losses.  Had TPP been in force and the huge positive economic benefits been realized, Trump would not have pulled out.  >exorbitant rent  Correctable government policy failures around housing development.  There is plenty of affordable housing (and land for expansion) available in the fast growing cities in TX and elsewhere.  Protip - that's why they are fast growing.  Businesses need affordable land and workspaces too.  >tuition debt  Overblown.  Boomers are leaving the job market en masse and being replaced with a highly educated generation.  The average college debt load is something like $35K which is totally manageable for the vast majority of graduates.  [The typical student loan burden is around the same amount as the average car purchase in the US.](http://mediaroom.kbb.com/2017-02-01-New-Car-Transaction-Prices-Remain-High-Up-More-Than-3-Percent-Year-Over-Year-In-January-2017-According-To-Kelley-Blue-Book)  >unaffordable health care  Fixable.  Once Obamacare is eliminated and replaced with a more market-oriented system we should see costs come down.  It's absolute insanity that people are forced to pay for insurance riders on stuff they will never use, effectively lighting money on fire.  Policies will get stripped down to essentials and serve customers much better.  High risk / chronic patients will go into government programs where they belong, and the vast majority of the healthy people left will see bills fall.  >massive government debt  [High, but not really a problem.](https://fred.stlouisfed.org/series/GFDEGDQ188S)  Debt to GDP is perfectly fine and manageable where it is, and the government has the power to write Treasurys and sell them to willing buyers to finance spending.  The dollar is the reserve currency of the world and will be for decades to come.  The Euro has no chance and the international community doesn't trust China to manage the yuan well.  >wealth inequality that's going to explode under Trump  Wealth inequality is irrelevant to market returns.  Absolutely 100% irrelevant.  Financial returns are generated where opportunities exist to make a financial return, not where wealth inequality is highest or lowest.  However, to challenge your view, consider that some of the best returns in the last 10-20 years have come from emerging markets like the BRICs, which have the highest wealth inequality.  >automation  That's what was said about the cotton gin, the car, the steel mill, the train, the telephone, the internet.  Wrong every time, and will continue to be wrong in the future.  It's pretty arrogant to think that somehow things will be ""different this time.""  Human capacity for innovation is ridiculous.  [You're arguing against a very strong and accelerating trend.](https://fred.stlouisfed.org/series/GDP)  >globalization  Excellent for stock market returns, in case you haven't noticed.  >isolationism  Terrible for stock market returns, I agree.  But see my point above about NAFTA.  Trump actually listens to businesses as opposed to Obama.  He will tread very carefully here.  >stock market bubble  There is no evidence of a stock market bubble.  Trump is talking about reducing corporate taxes from 35% down to a much lower rate like 20%.  That immediately increases the value of stocks, boosts economic activity, boosts economic competitiveness, and reduces drag on the economy.  Even better, as small/medium sized businesses pay much closer to 35%, lowering the tax helps small/medium sizes businesses the most.  That's why small caps are spanking large caps right now.  Just a note - the stock market is up around 20% since the election, pretty close to the amount the corporate tax rate is slated to drop.  It's critical this tax cut get done to support current valuations.  I believe it will as it's long overdue.  >housing market bubble  There is no bubble, there is lack of supply.  Skyrocketing rents as you mentioned above is the opposite of a housing market bubble.  It's the symptom of a severe housing market shortage.  House building needs to increase dramatically and it will in areas that reduce regulations.  >lack of real banking reform  Dodd-Frank and other regulations are on the chopping block, which will help.  Reforms are coming.  Large banks are shielded from real competition by all these laws.  I'd like to see more ""startup banks"" competing.  >record household debt  [Nope, not even close.](https://fred.stlouisfed.org/series/FODSP)  Households have deleveraged since the financial crisis and are in better shape than they've been in a few decades.  >Republicans controlling all three branches of government  AKA, there's a high chance that taxes and regulations will be reduced, which is good for economic growth."


"Your plan as proposed will not work, because it goes against how banks make money. Banks make money in two ways:  (1) Fees [including account fees, investment advice fees, mortgage application fees, etc.]; and (2) Interest Rate Spread. They borrow money for x%, and they lend it out for x+y%. In a simple form, someone gives the bank a deposit, and earns 1%. The bank turns around to the next person in line and loans the money to them for 4%. You are asking them to turn the interest rate spread into a cost instead of their main source of profit: You are asking the bank to borrow money from another person paying them 1.2% interest, and then loan the money to you, paying you 0.6% interest and keeping 0.6% for themselves. The bank would lose money doing this. Technically yes, you can borrow from a bank and invest it in something earning above the 4% interest they will charge you. You can then pay the bank's interest off of your earnings, and make some profit for yourself. BUT this carries an inherent risk: If your investment loses money, you still owe the bank, effectively increasing the negative impact of your investment. This tactic is called ""Leveraging""; you can look it up on this site or on google. It is not something you should do if you do not fully understand the risks you are taking on. Given that you are asking this question, I would suggest tactfully that you are not yet well informed enough to make this sort of investment. You run serious risk of losing everything if you over-leverage (assuming the banks will even lend you money in the first place)."


Easy answer -- pay down your debt.  Why easy? Because you can't afford the house. The other posters mentioned it; I'll tackle it too: Your $1445/month mortgage payment estimation is just that - mortgage only. Why haven't you  included home insurance or taxes? According to that last graphic, those are $1930 and $1910 per year. That adds $320 to your monthly cost. $1445 + $320 = $1765/month. More than what you're paying in rent, and you say you have little enough left over after that.  And that's not counting CMHC insurance like Chris W. Rea mentioned, or maintenance, which is something renters always underestimate. I know I did.  And don't even get me started on the fact that the (currently super low) interest rate is fixed for only 5 years.  I know you really, really want to buy a house, and you really want to stay in that expensive area you live in. And you're trying hard to make the numbers work. But the fact is, you're setting yourself up for bankruptcy.  Realistically, you have these options: 1) stay in the area, forget buying for the foreseeable future, continue renting, pay down debt and then save for a proper down payment 2) stay in the area, but make a smaller, cheaper place work 3) move to a cheaper location 4) figure out how to make more money.  That's it. Sorry to be blunt; this is the reality.


Waiting for the next economic downturn probably isn't the best plan at this point. While it could happen tomorrow, you may end up waiting a long time. If you would prefer not to think much about your investment and just let them grow then mutual funds are a really good option. Make sure you research them before you buy into any and make sure to diversify, as in buy into a lot of different mutual funds that cover different parts of the market. If you want to be more active in investing then start researching the market and stick to industries you have  very good understanding of. It's tough to invest in a market you know nothing about. I'd suggest putting at least some of that into a retirement savings account for long term growth. Make sure you look at both your short term and long term goals. Letting an investment mature from age 20 through to retirement will net you plenty of compound interest but don't forget about your short term goals like possible cars, houses and families. Do as much research as you can and you will be fine!


"There are stocks that have held 100% of the exact same trend (bull or bear) on a date or date range for years. While  history of course doesn't guarantee that the trend will hold for the current year, that fact itself is distinct from the question of whether history is an *indicator* worth building a thesis off of.  The problem is if and when someone thinks ""indicator"" is equivalent to ""definitive answer"".   Answer 2: A dozen big algo traders have disproven this notion.  Answer 3: Price is not only price action itself. It's calendar, evens, binaries, cyclical psychology, etc."


You may want to start a company for a few reasons, the main one would be liability, you don't want your friend to drop a weight on a foot and sue you for millions taking your house away. You'd need to pay taxes on the income, that's after you pay all your expenses, bills, mortgage interest, insurance premiums (!), equipment depreciation. So it's going to be a lot less than you collect from your friends. Whether you incorporate or not you have to pay taxes on your income. If it's $200/year IRS may not notice that, if it's $20K a month it would be very hard to hide. If you pay your friends more than some amount (check the laws) you'd need to tell IRS about it (issue 1099-misc), then your friends must pay taxes on that income.


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Some ADRs have standardized options that trade on US exchanges.  If your stock/ADR is one of those, then you find the put option through most brokerages that deal with stock options and trade the option like you would on a regular stock.  If your ADR does not have standardized options, then your options will depend on where the ADR trades.  If it's OTC, you might not even be able to short it.  If it trades on a major exchange, the shorting the ADR may be a viable choice.


would buying the stock of a REIT qualify as a 'Like-Kind' exchange? Short answer, no. Long answer, a 1031 (Starker) exchange only applies to real estate.  From the Wikipedia page on the topic: To qualify for Section 1031 of the Internal Revenue Code, the properties exchanged must be held for productive use in a trade or business, or for investment. Stocks, bonds, and other properties are listed as expressly excluded by Section 1031 of the Internal Revenue Code, although securitized properties are not excluded. A REIT, being stock in a real estate company, is excluded from Section 1031.


"There are a number of choices: I prefer Dilip's response ""Have you tried asking etrade?"" No offense, but questions about how a particular broker handles certain situations are best asked of the broker.  Last - one should never enter into any trade (especially options trades) without understanding the process in advance. I hope you are asking this before trading."


"If you were the friend of my daughter or some other ""trusted"" relationship, I would tell you to head on over to Bogleheads.org, follow their advice and do research there.  I would advise you to aim for about a 60/40 allocation.  They would advise you to make a very simple, do it yourself portfolio that could last a lifetime.  No need for financial planners or other vultures.    The other side of this curtailing your spending.  Although the amount seems like a bunch, you probably need to keep your spending under 41K per year out of this money.  If you have additional income such as from a job or social security payments then that could be on top of the 41k and never forget taxes.  To help manage that, you may want to consult a CPA, but only for tax advice, not investment advice.   Certainly you should make the credit card debt disappear.  You may want to reevaluate your current location if the costs are too high compared to your income. Good luck to you and sorry about the wreck."


Whatever the supply of labor and demand for labor set.   If tomorrow suddenly the American economy took off, unemployment dropped to almost 0, Walmart would have to start raising wages in order to fill cashier slots. Does this mean that suddenly Walmart employees are giving more to Walmart? No, of course not, it just means the supply and demand of labor had radically changed.


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"Consider the futures market. Traders buy and sell gold futures, but very few contracts, relatively speaking, result in delivery. The contracts are sold, and ""Open interest"" dwindles to near zero most months as the final date approaches. The seller buys back his short position, the buyer sells off his longs.  When I own a call, and am 'winning,' say the option that cost me $1 is now worth $2, I'd rather sell that option for even $1.95 than to buy 100 shares of a $148 stock. The punchline is that very few option buyers actually hope to own the stock in the end. Just like the futures, open interest falls as expiration approaches."


Yes it is possible but with a caveat.  It is a pattern that can be observed in many lightly traded stocks that usually have a small market cap.  I am talking about a stock that trades less than 2,000 shares per day on average.


I'm for basic income, and eliminating inequality is impossible, reducing is good. I just think choosing to put millions people out of job for an unknown time just to start a revolution/cause huge social changes is a little extreme and maybe even immoral.  I think a gradual process is much better.


Well, these can range from loan broker to outright scams. It is pretty typical that loan broker just take some fee in the middle for their service of filling your applications for a bunch of real loan provider companies. Because making a web page costs nothing, a single loan broker could easily have many web pages with a bit different marketing so that they can get as many customers as possible. But of course some of the web pages can be actual scams. As soon as you provide enough information for taking out a loan, they can go to a real financial institution, take out the loan and run with the money. In most countries consumer protection laws do not apply to business-to-business transactions, so you have to be even more wary of scams than usual.


Should I invest money in the pre-IPO stocks soon to be offered by the   company that I work for? Is it wise to do this? What should I be thinking about? What are the   risks? The last time I was offered pre-IPO friends and family stock, I purchased half of my allotment, and had my parents purchase the other half. Since I had a 6-month blackout period, I had to hold my portion. My parents sold their portion one day after the IPO. The price went up dramatically for about a day and a half, then dived continuously. My portion ended up being worthless. My parents made a few bucks. Good for them. Not a huge deal either way, since my cost was relatively low. If I had a chance to do it again, I'd give it all to friends or family instead of splitting it, and have them sell quickly if they realized a profit. You might be luckier than I was.


"He was promoting himself as the ""god of guns"" (meaning the NRA, people who own guns and people who wanted to buy guns would see Trump who would loosen gun control laws and other gun regulations as their savior), better than Obama even when the reality is the gun business is hurting because of Trump who didn't loosen gun control laws and other gun regulations.  Another promise he couldn't keep."


I asked for some basic info about the projections and seem to be unable to get any. Stop making this a personal issue, my question is a simple question about economics. I am not interested in who you are or who I am, I am only interested in the economic theory. If you choose not to respond to my question, I won’t be offended.  Sorry for any trouble.


They are quite literally picking the taxi industry to be the winner and uber to be the loser. Uber provides more value to customers than traditional taxis and they have been successful because of it. Why should the government get to tell me I can't use an app to call a car to pick me up? It's utterly ridiculous.


"> Soon, you will be able to choose poverty just by deciding to not getting enhanced.  Do the Amish live in poverty?  > A lot of these arguments seem to be, ""Well, it might be better, therefore it *will* be better.""  We cannot know what will work unless we explore the potential space of that which *might* work. Demanding perfect solutions before researching solutions is just retarded.  > Right now genetic variability is what gives us long term viability. Will enhancements reduce both?  No. Genetic variability is *not* what gives us ""long term viability"". We actually are already losing that as it stands over time, just from globalization and the mathematical principle of reversion to the mean.  ""Will we all become super susceptible to the same disease?"" -- That's simply acetious. The entire point of 'enhancement' is that we find strategies for actually improving upon the innate qualities of human existence. The thing about technological solutions to problems is that they produce superior outcomes but require more technical knowledge to achieve. Sure, we might have new diseases -- software bugs, and so on -- but we'll also be more robustly tolerant against traditional diseases.   Also -- what exactly do you think all these enhanced people are going to be doing? Keeping things the same?   If the concern is about only the rich getting access to enhancements... consider how much more towards charity work an amplified-intellect would achieve over traditional intellect. And so on.  Early on, I'm sure that only ""the 1%"" will have access to anything resembling realistic improvements. But the thing about such a condition is that it's inherently oly metastable *at most*. Technologies improve over time and become cheaper, more stable. Let the richest and wealthiest be the ones who have the access to it when it's unstable/unreliable.  Once it becomes like owning a smartphone, *that* is when it'll spread to everyone."


Still pretty difficult...  I have a computer science degree which is highly sought after and took a 37k$ job out of school. Most job postings I can apply to now are 60-75k$. Senior developers get paid 90-120k$ unless you suddenly become famous and people in SF want to hire you for 250k$  My bf graduated as a civil engineer and he would start at 55k$ and maybe make 90k$ with experience, but this profession tends to be ripe with 60-80 hour weeks too.  So much for degrees. A lot of it is selling yourself a ton and basically becoming your own sales person. It isn't easy at all, even with degrees.


Your question seems to be premised on your personal understanding of economics, and asking that people present to you an explanation of business transactions that is consistent with your own personal worldview. But your premises are flawed, so an accurate answer should not accept them. The basics of trade is that something is worth more to one person than another; a wheat farmer has more wheat that they could possibly eat, and so it has no value other than what they can get by selling it, while an accountant will starve if they do not have any food and thus is willing to pay what the market demands. The two parties can both be better off by having a transaction. The other motivation for transactions is that parties may disagree as to what something is worth; even if one party will lose from the transaction, they may both believe they will profit.


In the short term, this question is pretty simple: Are occasional use grid-scale natural gas plants economically viable compared to distributed gas generators?  Home solar is an amazingly good deal now. Economically, the question isn't whether it'll take over most home power generation, it's how fast that will happen.  Currently - at least where I live - the grid is still a good deal for backup power. If that changes, then people will stop using it.  You can get a gas generator to cover a normal sized home installed for ~$4000. In places with piped gas, the price for running the generator looks comparable to grid power per kWh.  So no, I wouldn't pay triple the price for grid power or buy a ton of extra storage. I'd get a natural gas generator and handle solar downtime locally.


Just tell your bank where you're going so they don't lock your account, and then take your Visa, and take enough cash to survive if something happens to your Visa account (sometimes banks lock them anyways out of idiocy). I usually take about 600 bucks cash for a week excursion (enough for food and a shack, or a mansion if you're in Asia). I figure, I'm carrying my passport which is worth thousands to criminals abroad around my neck. Why worry about carrying a little cash. As far as the Visa goes, just make sure your bank doesn't charge enormous fees for currency conversion. As far as carrying the local currency goes. I don't recommend it. Just figure out the conversion rate, and you'll save about  5% of your money from fees converting to and from. If you're going to Russia, do convert your currency first.


Considering the historical political instability of your nation, real property may have higher risk than normal.  In times of political strife, real estate plummets, precisely when the money's needed.  At worst, the property may be seized by the next government. Also, keeping the money within the country is even more risky because bank accounts are normally looted by either the entering gov't or exiting one. The safest long run strategy with the most potential for your family is to get the money out into various stable nations with good history of protecting foreign investors such as Switzerland, the United States, and Hong Kong. Once out, the highest expected return can be expected from internationally diversified equities; however, it should be known that the value will be very variant year to year.


>I'm not ignorant, you're just lazy.  Please post some actual research as I did please. Citing one example does not negate dozens of countries worth of research and hundreds of years of evidence. The lack of being able to tell the difference between well researched evidence and your opinions and anecdotes severly hampers your ability to understand this.


A system comparing students to themselves a year ago is what I think would work best. Therefore you are graded based off the students you have, not the grade you are in.  This would mean if I was in 2nd grade and read at a 1st grade level then went to 3rd grade and read at a 4th grade level, then the teacher would receive higher marks. This would of course be averaged out throughout the class with outliers left off (because some students always get A's, and some... not so much).   Its not a perfect system, but its better than saying that the only performance indicators are not touching children and keeping your job long enough to get tenure


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"Pardon the pun, but these are the ""fruits"" of the Jobsian ""reality distortion field"".  That, and the fact that being a ""desirable job"" (in the form of ""playing with gadgets"") there is an apparently endless supply of applicants...  So the law of supply & demand applies to the wages. Probably the thing that is most surprising is the fact that Apple Store employees are somehow earning ABOVE the minimum wage.  Apple would probably have about the same supply/quality of people, no matter how low the wages were."


"It says that you are exempt ""as long as such interest income is not effectively connected with a United States trade or business"". So the interest is from money earned from doing business with/through AirBnb, a US company. So you will have to report it. Even if your bank doesn't send you a 1099-INT, you have to report it, unless it is under $0.49 because the IRS allows rounding."


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