Millionaires?   No offense, but you're talking out of your ass.    My mother lives in a house that my parents bought in the 1980s.  She's definitely not a millionaire.  Nowhere close.  But she owns the house free & clear and can afford the taxes.  I bought my house from a retired lady for about 5x what she paid for it in the sixties.  Maybe more.  I don't recall, but she was the original owner.  Definitely not a millionaire.  Just a retired widow.  Most of the folks who own these 1950s to 1980s tract homes in good areas are beneficiaries of good locations and lack of development.    The reason those homes are so valuable is because we're not building new housing in anything resembling the scale needed.  We need something like 40,000 new units built annually in Los Angeles and Orange counties to catch up to the population growth and lack of new construction happening now.  It ain't gonna happen, but that's what we need.    In 20 years, I'll benefit from Prop 13.  It flows.  And it benefits property owners.  It encourages property ownership.    If you wanted to argue that property taxes on commercial properties should be different from residential properties, I'd be up for the debate.  It's an interesting topic and I don't know the answer, but it would result in wholesale reduction in commercial property values in the state because of the reduced cash flow from higher taxes.  Huge dislocation and a massive transfer of wealth from commercial property owners to the taxpayers.


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That's BS man. The retailer is supposed to be visually confirming signatures! That's their freaking job!  PIN numbers are LESS Secure because retailers do not provide a visually secure place to type them in. It is Waaaaaay too easy to watch someone typing their pin. Especially with the ceiling cameras that many stores place above every register.  Signatures are MORE secure because they are more difficult to forge. The only reason signatures might be inadequate is because retailers are failing to hold up their part of the equation. They don't want to do their jobs so we should change for them? Screw that.  The hypocrisy in this country I swear to god.


From what I've seen, balance is great. 10 hour days usually unless things get crazy. But the salary potential seems great too. 100k with bonus as an analyst/associate for 10 hour days seems like a great gig. Plus, you're reporting to the CRO which gives great visibility


Vista Sand Although Vista Sand is well-known for its Texas Premium White™, it is also a recognized because of its dedication to safety. Vista Sand's CEO understands the potential risks workers face, and he, along with the leadership board at Vista Sand, have implemented various training programs and risk management assessments to ensure workers are safe.


Quite often the local university has decent gym facilities with super-competitive rates, even if you are not a student there, and you can usually join for a single term and pay by cash. They lack some of the fancier things and might be not as shiny, but I want my membership fees to pay for equipment, not interior design.


"A couple options that I know of: Interactive Brokers offers a ""paper trading"" mode to its account holders that allows you to start with a pretend stack of money and place simulated trades to test trading ideas. They also provide an API that allows you to interface with their platform programmatically for retrieving quotes, placing orders, and the such. As you noted, however, it's not free; you must hold a funded brokerage account in order to qualify for access to their platform. In order to maintain an account, there are minimums for required equity and monthly activity (measured in dollars that you spend on commissions), so you won't get access to their platform without having a decent amount of skin in the game. IB's native API is Java-based; IbPy is an unofficial wrapper that makes the interface available in Python. I've not used IB at all myself, but I've heard good things about their API and its accessibility via IbPy. Edit: IB now supports Python natively via their published API, so using IbPy is no longer needed, unless you wish to use Python 2.x. The officially supported API is based on Python 3. TD Ameritrade also offers an API that is usable by its brokerage clients. They do not offer any such ""paper trading"" mode, so you would need to ""execute"" transactions based on quotes at the corresponding trade times and then keep track of your simulated account history yourself. The API supports quote retrieval, price history, and trade execution, among other functions. TDA might be more attractive than IB if you're looking for a low-cost link into market data, as I believe their minimum-equity levels are lower. To get access, you'll need to sign up for an API developer account, which I believe requires an NDA. I don't believe there is an official Python implementation of the API, but if you're a capable Python writer, you shouldn't have trouble hooking up to the published interfaces. Some caveats: as when doing any strategy backtesting, you'll want to be sure to be pessimistic when doing so, so your optimism doesn't make your trades look more successful than they would be in the real world. At a minimum, you'll want to ensure that your simulations transact at the posted bid/ask prices, not necessarily the last trade's price, as well as any commissions and fees associated with the trade. A more robust scheme would also take into account the depth of the order book (also known as level 2 quotes), which can cause additional slippage in the prices at which you buy/sell your security. An even more robust scheme would take into account the potential latency of trade execution, looking at all prices over some time period that covers the maximum expected latency and simulating the trade at the worst-possible price."


I wonder why they continue to allow sponsored links from fiverr, then (they sell upvotes).  I have reported them before, and was told by hueypriest that they would suspend the ads pending investigation, but then they returned and I got no response to my second inquiry.


If you ever need the money in three years, imagine that today is 2006 and you need the money in 2009.  Keep it in savings accounts, money-markets, or CDs maturing at the right time.


"I would highly recommend the Dave Ramsey book ""The Total Money Makeover"".  I read it about 5 years ago and my financial situation has slowly but steadily been improving ever since."


"As a former consumer credit counselor, who worked with struggling homeowners and first time homebuyers I would argue that it is a mistake for lenders to rely on gross income and assumptions on what an applicant spends their income on. I think lenders do this because they believe it is efficient and may not understand the long term ramifications for the stakeholders, e.g. the borrower, the lender, the servicer, the investor, the broker, the taxpayer, the marshall, the foreclosure lawyers etc. Or lenders do know the impact of a superficial mortgage screening, and intentionally want to enrich themselves in the short term while harming other stakeholders in the long term. Developing a budget that reflects what a person can realistically spend on their mortgage takes much longer than signing up for a Rocket mortgage. I would say an hour minimum for the first appointment to get a baseline, and at least two follow up appointments to make adustments soon after or whenever a borrower's financial situation changes dramatically. Credit counselors factor in all of the factors mentioned above, i.e. take home pay, future pay vs current pay, the ability to adjust deductions, seasonal expenses, multiple sources of income and their frequency, debt load etc. Budgets are always fluctuating, but when it is done right by a qualified professional the result is a much more accurate financial picture.  The consequences for not doing this type of old-school due diligence, or for willfully choosing to skip it, are varied. First off, mortgages will be given to homeowners who should never have qualified in the first place, and likewise denied to homeowners who should qualify. This will result in market distortion and this distortion was a primary contributor to the 2008 subprime mortgage crisis and the wave of foreclosures that came with it. Another consequence is the stripping of wealth from minority communities since they are often targeted by the most unscrupulous of lenders. Additionally, the securitization of mortgages based on poor diligence at the loan officer level means loan portfolio ratings are questionable, investors will lose money, and small banks who are heavily invested will fail as they did in the past. Depending on the federal enforcement of Dodd Frank Act, the taxpayers may or may not have to pick up the bill from a bailout of a big mortgage bank that was ""too big to fail,"" via higher taxes, lost jobs, lost homes, and other negative externalities that were not accounted for by the loan officer, or willfully ignored.  Lastly, borrowers also have a responsibility to provide accurate financial information, which they don't always do. Unfortunately, in a capitalistic society where property is commoditized instead of communal, there is always mistrust, competition, the fear that you will be left behind, or the desire to get ahead. This could incentivize cheating by either the, borrower, the broker/lender, or both in this example e.g. no-doc negative amatorizing loans. This is just one of many other negative externalities. So the only true fix would be a switch to communal land ownership. In the interim, I would push for universal borrower access to low cost consumer credit counselors and a change in loan officer training and incentive structure."


The free Yale Course taught by Bob Shiller called Financial Markets is really good. Find it on youtube, iTunes U, academic earth, or yale's site.


Keep in mind, that bargain hunting will fail you from time to time.  I know a lot of guys who bought Nortel at $10, planning to hold it until the inevitable recovery.


Just because you think it is healthy to get away from the computer and physically go to a bookstore does not make it good business. By that rationale, you should be paying all of your bills at the post office with a stamp.


"Price is current price per share, but you can buy fractional shares. Minimal investment is how later the first purchase of shares must be to make it worth their efforts to set up the account for you. How you manage it is up to you. You can buy or sell shares at any time, pretty much, though it may take a few days for the transaction to ""settle"" and take effect. You can do this via checks, or you can give the broker (or the investment house, if you are dealing directly with them as I do) permission to take money from or put money to your bank account when you tell them you want to buy or sell shares. You may be able to set up direct deposit; talk to your employer about that. Or you may be able to have your bank make a periodic transfer/purchase for you."


"isn't there at least one rung below BB?  What does it mean to remove them while ""threatening"" to downgrade them in future?  Seems more severe than immediate downgrade.  Does removal imply perhaps that they have no idea what a fair rating should be?"


Being a CTO is different than freelancing, obviously.  You have to ask yourself what you would more prefer to do! My initial recommendation would be to receive your normal freelance compensation for the freelance work you do AND separately deal with the issue of being a CTO.  At some point you will cease to be this project's freelancer should you become its CTO. Then again, by becoming the CTO immediately you should be able to negotiate a larger share of the company. Granted, my opinions should not be considered legal or financial advice and you should consult a professional before making any decisions.  Ja ja ja  ;)


You dropped the rest of this  > People very successfully navigate their own internal altruism and greed because they are allowed by society to make the calculation for how much they can give on their own. Once you start mandating altruism, all bets are off.  > You mean they aren't paid to build monuments or do science? You mean scientists don't earn patents for their work? You mean science in general has no selfish commercial motive?  > What a load of crap, dude. There are plenty of self motivated individualistic rationalizations for someone to work in cooperation with others. Namely, pay.


In addition to the GE move, Buffett's firm also added a large share of Synchrony, equalling about $520.7 in value, and a $418.1 million stake in Store Capital.   So, they bought one regular sized share? This is Why BI-journalists doesnt work in IB...


Young vs old doesn't really make a difference.  What's in play in the Roth/After Tax vs Traditional/Pretax decision is your current marginal tax bracket versus your probable taxation in retirement.   Since your company matches something on the pretax account it makes sense to max out the pretax contribution match amount before considering roth contributions.  If the match is something like 50% of your contribution up to 3% of your salary, that's an instant 50% return on your contribution and you can't really beat that.


"The formulae #issued shares = #outstanding shares + #treasury shares looks right. However it looks like the Treasury Shares are treated as -ve in accounting books and thus the outstanding shares are more than issued shares to the extent of Treasury shares. Further info at ""Accounting for treasury stock"" on wiki"


So it voids what you claim. And hardly anyone renounces their citizenship. Something tells me the government won't allow apple to pack up and move to Europe seeing as large companies have to get permission to buy or merge with other companies. And I don't think the executives would enjoy flying to Europe.


> They will turn to commodities and energy the only things in the past decade besides entrepreneurial investments which have increased in value to society.  There's a strong argument to be made that entrepreneurial investments are the only ones that *should* increase in value.  Tulip mania of any sort doesn't add value.  All other sources of returns - holding risk constant - are constantly trying to get cheaper financing, through financial engineering or a greater supply of capital due to the magic of compound interest.  That's why you can get a mortgage at 6% instead of 16% like in the old days.


"Probably a bad assumption, but I'm assuming your in the United States. Keep in mind, that the check number is printed in 2 places on the front of each check. First, in the upper right corner, and also along the bottom edge on of the check. Since the check number is scanned by the bank from the bottom edge of the check, covering or otherwise modifying the check number on the upper left corner will have no effect on the check number that is recorded when the check is processed. And, you can't modify or cover the numbers or place any marks in the area of the numbers along the bottom of the check as this will likely interfere with processing of checks. So, modifying the check numbers will not work. Your choices are basically to:   The check numbers are not used in any way in clearing the check, the numbers are only for your convenience, so processing checks with duplicate numbers won't matter.  The check numbers are recorded when processed at your bank so they can be shown on your printed and online statements. The only time the check number might be important is if you had to ""stop payment"" on a particular check, or otherwise inquire about a particular check. But this should not really be an issue because by the time you have used up the first batch of checks, and start using the checks with duplicate numbers, the first use of the early duplicate numbered checks will be sufficiently long ago that there should not be any chance of processing checks with duplicate numbers at the same time. You didn't mention how many checks you have with duplicate numbers, or how frequently you actually write checks so that may play a part in your decision. In my case, 100 checks will last me literally years, so it wouldn't be a problem for me."


">  Just as long as we don't have to revert back to the original old skool social media of email.  Hey man that's the wrong approach, you don't know what you're missing out on. E-Mail needs a modernization but it remains one of the greatest tools of the modern era.  People have been talking about an ""E-mail 2.0"" for some time. It's coming."


Sick stuff! When I was there I went with a tour group as a school trip. Forgot what the name was. But wondering if you knew someone called fazy. He was our main guide. The tuk tuk drivers were also really friendly. It's really fun to be in one too. All the memories.


When it comes to work efficiency of any employee, office chairs do make a difference as a person needs to put in substantial working hours by sitting on them. More the comfortable, an office chair is, more relaxed the person sitting on it, will feel.


"I'm still very new to the world of finance. I'm learning about all of the derivatives and how money is made off of them, but it's crazy to me that everyone involved neglected the risk aspect of this. In hindsight, it's so easy to explain what was happening. I guess when everyone is making money hand over fist, it's easy to look the other way. Even the federal gov't played a tremendous role in the crash. Looking at that FRED graph is probably the easiest way to explain the ramifications of the crash.   I'm reading [All the Devils Are Here](https://www.amazon.com/All-Devils-Are-Here-Financial/dp/159184438X) right now that was recommended to me by my GF's father. It gives context to the crash in a digestible way, but isn't too dumbed down. I highly recommend it.  The man played for the USA on the ""Miracle"" team and then went on to become a successful bonds trader. I've learned more from my conversations with him than I think I'll ever learn in school. Dude is brilliant and can go for hours on anything finance related."


The formula you're looking for is  Thus, from 3% p.a. you get ca. 0.247% per month. However, as you see 0.25% is a good approximation (generally, small rates give good approximation).


"Haha, right. Maybe the ""who can think of the biggest number"" game?  I think the 125bln is just the tip of it. They have a lot of frightening liabilities on their balance sheet like their real estate market.  I wonder where the Spanish bond yields will go now."


( t2 / t1 ) - 1 Where t2 is the value today, t1 is the value 12 months ago.  Be sure to include dividend payments, if there were any, to t2.  That will give you total return over 12 months.


There is nothing wrong with self directed IRA's the problem is that most of the assets they specialize in are better done in other ways. Real estate is already extremely tax advantaged in the US. Buying inside a Traditional IRA would turn longterm capital gains (currently 15%) into ordinary income taxed at your tax rate when you withdraw this may be a plus or minus, but it is more likely than not that your ordinary income tax rate is higher. You also can't do the live in each house for 2 years before selling plan to eliminate capital gains taxes (250k individual 500k married couple). The final problem is that you are going to have problems getting a mortgage (it won't be a conforming loan) and will likely have to pay cash for any real estate purchased inside your IRA. Foreign real estate is similar to above except you have additional tax complexities. The key to the ownership in a business is that there are limits on who can control the business (you and maybe your family can't control the business). If you are experienced doing angel investing this might be a viable option (assuming you have a really big IRA you want to gamble with). If you want to speculate on precious metals you will probably be better offer using ETF's in a more traditional brokerage account (lower transactions costs more liquidity).


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"This is the best tl;dr I could make, [original](https://notesonliberty.com/2017/07/06/minimum-wages-where-to-look-for-evidence-a-reply/) reduced by 75%. (I'm a bot) ***** > To put you in context, he was blogging about one of the criticisms made of the Seattle minimum wage study produced by researchers at the University of Washington, namely that the sample was limited to &quot;Small&quot; employers.  > This criticism, Nicolas argues, is irrelevant since the researchers were looking for those who were likely to be the most heavily affected by the minimum wage increase since it will be among the least efficient firms that the effects will be heavily concentrated.  > If I am a small employer and the minimum wage is increased 15%, why would I fire one of my two employees to adjust? If that was my reaction to the minimum wage, I would sacrifice 33% of my output for a 15% increase in wages which compose the majority but not the totality of my costs.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6m3vnw/common_libertarian_mistakes_about_the_minimum_wage/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~162579 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*: **firm**^#1 **wage**^#2 **minimum**^#3 **research**^#4 **Costs**^#5"


MKC is non-voting stock, MKC/V is voting stock. Ofter times you'll see two or more stock symbols for a company.  These usually reflect different classes of stocks.  For example, voting vs. non-voting (as in this case) or preferred vs non-preferred stock.


Well, my point was that this shift will pool money from research and graduate programs as well.  Undergrads pull in a decent amount of money for schools, some of that money goes to research.  Further, more technological inovation (like medical research) needs academic facilities to be conducted.


The proper answer is that you run the numbers and see whether what you'll save in interest exceeds the closing costs by enough to be interesting.  Most lenders these days have calculations that can help with this on their websites and/or would be glad to help if asked. Rule of thumb: if you can reduce interest rate by 1% or more it's worth investing.


There was an app that used to do this and it stopped for some reason. I loved it, if you are looking for something you could quickly text a few stores and see who gets back to you with what you need. Probably a gateway to ordering more delivery from storefrontS


You are mistaken about a Roth IRA. You can take out your contributions at any time with no penalty as long as you don't touch the gains. Also, if the money has been in for 5 years you can withdraw for a first time home purchase. Your concerns about locking up the money are troublesome. You need discipline to save for retirement. That is a known massive expense you will have and it takes a LONG time of saving up to prepare. Be sure to account for the taxes you may owe on the winnings before you start spending the money. Before you sink the money into a down payment on a house, make sure you have several (preferrably) six months of living expenses in savings. If you don't have investment experience, steer away from individual stocks. Invest in index funds with low expense ratios and don't actively trade.


"Negative Yields on Bonds is opposite of Getting profit on your investment. This is some kind of new practice from world wide financial institute.  the interest rate is -0.05% for ten years. So a $100,000 bond under   those terms would be ""discounted"" to $100,501, give or take. No, actually what you are going to get out from this investment is after 10 years when this investment is mature for liquidation, you will get return not even your principle $100,000 , but ( (Principle $100,000) minus (Negative Yields @ -0.05) Times ( 10 Years ) ) assume the rates are on simple annual rate.  Now anyone may wander why should someone going to buy this kind of investment where I am actually giving away not only possible profit also losing some of principle amount!  This might looks real odd, but there is other valid reason for issuing / investing on such kind of bond.  From investor prospective: Every asset has its own 'expense' for keeping ownership of it. This is also true for money/currency depending on its size. And other investment possibility and risk factor. The same way people maintain checking account with virtually no visible income vs. Savings account where bank issue some positive rate of interest with various time factor like annually/half-yearly/monthly. People with lower level of income but steady on flow choose savings where business personals go for checking one. Think of Millions of Ideal money with no secure investment opportunity have to option in real. Option one to keeping this large amount of money in hand, arranging all kind of security which involve extra expense, risk and headache where Option two is invest on bond issued by Government of country. Owner of that amount will go for second one even with negative yields on bonds where he is paying in return of security and risk free grantee of getting it back on time.  On Issuing Government prospective: Here government actually want people not to keep money idle investing bonds, but find any possible sector to invest which might profitable for both Investor + Grater Community ultimately country.  This is a basic understanding on issue/buy/selling of Negative interest bearing bond on market.   Hope I could explain it here. Not to mention, English is not my 1st language at all. So ignore my typo, grammatical error and welcome to fix it.  Cheers!"


"> What am I missing?  I said they ""were"" in favor of it.  They are no longer in favor of it because they losses are being used as an excuse to kill the post office.  I can't find a link right now, but the whole assertion that the GOP did this is false.  The bill had ~100 democratic co-sponsors (which should be an indication that the letter carriers were in favor of this) and ~50 GOP co-sponsors.  This was a widely supported bill.  Who wouldn't want their pensions fully funded?  They just didn't anticipate that the GOP/Chamber of Commerce types would use the losses as an excuse to try to privatize the post office."


Typical republican tactics.  Let's not focus on the issues and how you're going to fix them, let's just scare people into voting for us.   The closer we get to November, the more positive I am Romney's going to lose, and lose badly.  And people like this are a prime reason way.  Most people aren't nearly as stupid as you think they are.


"(Insert usual disclaimer that I'm just a random guy on the Internet, not any kind of certified tax professional.) But once I withdraw the money, how is that money taxable? If I'm understanding your situation correctly, you want to look at the instructions for form 8889, under Excess Employer Contributions. It simply says, ""If the excess was not included in income on Form W-2, you must report it as 'Other income' on your tax return."" There doesn't look to be any particular wording beyond that, so I'd just put it on Form 1040 Line 21 Other Income, and label the line really specifically like ""Excess Employer Contributions distributed from HSA"". Also there is no mention of whether any FICA taxes (social security and Medicare) apply to these amounts. You say that this was entirely contributed by the employer. But even for cases where one contributes directly through payroll with an optional pre-tax deduction, this is usually implemented as a ""salary reduction agreement"" where the company is actually paying less money in salary (and thus less showing up on the W-2) and just contributing to the HSA account instead. It's listed on the 8889 as an ""Employer Contribution"", even if in fact one sees it as a deduction on one's pay stub. In either case, since the company didn't pay you the money as salary (and merely contributed to the HSA instead), I wouldn't expect any FICA taxes to be owed on it. The fact that the IRS wants it listed under ""Other income"" instead of ""Wages"" also implies to me that it doesn't count as salary that needs FICA taxes. Presumably, if people abused this in some way (like getting their employer to deliberately over-contribute each year and getting a refund in some sort of crazy scheme to try to reduce their SS taxes) the government would get rather upset and probably call it some sort of tax evasion. But for the amounts involved here, particularly as you're following the instructions listed, I just wouldn't worry about it. Assuming that I withdraw excess contribution and report everything on Form 8889 and Form 1040, is there any further action required from my previous employer? It's your HSA, so I wouldn't think so. Since the eligibility for HSAs is based on what you do, and not what they do (you could, for instance, get covered by a different HDHP and they wouldn't be notified nor really care), I don't think they have anything more to do with it. Also I am not sure how to calculate amount of interest attributable to excess contribution. I have only around $0.20 of total interest this year. The bank holding the HSA could probably help with that, as I'd expect it to be a normal part of the excess contribution withdrawal process. If not, I'd just make a reasonable effort based on the interest rate, amount involved, and number of days that the excess was in the account. Also keep in mind that in general when filing taxes, anything under $0.49 can round to $0. At some point, one can only be ""as honest as the law allows""."


New Zeeland is quite prone to earthquakes, that is why low buildings are popular.  Also, it is the foreigners that are the problem. They do drive the price up. Especially some 'lucky' house numbers are really wanted by Chinese immigrants.  But there's nothing you can do about it. Instead of foreigners buying houses, it will be companies registered in New Zealand that will buy them. Those measures will only hit middle class immigrants, not richer people who are driving prices up.


"Context: My parents overseas (Japan) sent me a little over $100,000 to   cover an expensive tuition payment and moderate living expenses in   2014. They are not US residents, Green card holders or citizens. They did not remit the tuition payment directly to the school. I am a   resident (for tax). This is enough to answer yes. That's basically the set of requirements for filing: you received >$100K from a non-US person and you yourself are a US person. You have to report it, and unless it is taxable income - it is a gift. Taxable income is reported on the form 1040, gifts are reported on the form 3520. The fact that in Japan it is not considered a gift is irrelevant. Gift tax laws vary between countries, some (many) don't have gift taxes at all. But the reporting requirement is based on the US law and the US definition of ""gift"". As I said above, if it is not a gift per the US law, then it is taxable income (and then you report all of it regardless of the amount and pay taxes). Had they paid directly to the institution, you wouldn't need to count it as income/gift to you because you didn't actually receive the money (so no income) and it went directly to cover your qualified education expenses (so no gift), but this is not the case in your situation. Whether or not this will be reported by the IRS back to Japan - I don't know, but it was probably already reported to the authorities in Japan by the banks through which the transfers went through. As to whether it will trigger an audit - doesn't really matter. It was, most likely, reported to the IRS already by the receiving banks in the US, so not reporting it on your tax return (either as income or on form 3520) may indeed raise some flags."


"The fact that you pay the bill reliably is going to count more for your credit rating than anything else, even if you are paying it off in full every month. Lenders seem to like to see at least one instance where you charged a large balance, held it a couple months, then paid it off in full... but I wouldn't go out of my way to do that. Remember that the credit card company is making money on transaction fees as well as interest. If you're pushing money through their system, they're happy. They'd be happier if you were paying them interest too -- reportedly, they actually refer to those of us who pay in full every month as ""deadbeats"" -- but they aren't going to kick you out or ding your credit rating for it. The quote you give says that a small balance ""may be slightly better"". I submit that ""may be slightly"" is too small a difference to be worth worrying about, unless you have reason to believe that your credit rating actively needs to be repaired. (And as noted in the comments, it's actually stated even less strongly than that!) Personal recommendation: You can get a free credit report each year from each of the ""big three"" credit rating agencies. Those reports usually include a brief explanation of what they think the most negative item on your record is. The phrasing of those explanations is often somewhat misleading, but I'd still suggest that you get these reports and see what they think would improve your rating. I'm willing to bet it won't be ""doesn't carry a high enough debt balance."""


My experience has been that it is hard to be in recovery and be in school at the same time. Separating yourself just won't work. Try and go to a target school, a school with a well known business program.   But above all, keep the faith. Been sober for 2 years, if I can do it you can do it. Don't forget why you are, to TG, CH, and HO.


This is complicated but I think I know what you mean. I guess it would depend on how the UK would be broken down into states. I mean we have states the vary in population from Wyoming to California. But the article the OP is referring to was written in response to income inequality in the UK. So I guess the fact that depending on how we break the UK down it could rank high or low makes the authors point, there is also a lot of income inequality in the UK.


The car tracking technology allows you to monitor and know where the vehicle is, and where it's going. It helps you to find your car in the easiest way with this device. Many of its types are available in market make a choice which suits with your needs.


"This is the best tl;dr I could make, [original](https://www.boeckler.de/pdf/p_imk_wp_178_2017.pdf) reduced by 100%. (I'm a bot) ***** > Economic activity may affect the development of credit through credit demand and credit supply channels.  > 3.1 Credit expansion and financial crises The empirical literature on the determinants of excessive credit expansion and financial instability has mostly analyzed the large build-ups of bank credit to the private non-financial sector since these data are available over a long time period.  > The positive correlation between economic activity and credit may result from the effect of economic activity on credit demand and credit supply but also from the effect of credit availability on economic activity.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6kt8rs/imk_macroeconomic_factors_behind_financial/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~157450 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*: **credit**^#1 **income**^#2 **financial**^#3 **test**^#4 **household**^#5"


Yes you can do this yourself.  I cannot speak for all the credit repair companies, but generally they are not reputable.  Even if they are trustworthy, they cannot do anything you cannot do yourself. Freeze your credit.  Lock it down and prevent any new activity.  This is for safety and I want you to do it so you know where you stand. Get a copy of your free copies of the three credit reports from https://www.annualcreditreport.com/ (this is the only free, official place to get your reports) Sign up for a free credit score estimation site like http://www.CreditKarma.com or http://www.CreditSesame.com  (These sites make money by selling affiliate offers, but you can easily ignore them)  You can't get your exact FICO score, but they letter grades they provide help you understand where you stand. Dispute anything that is not accurate.  Get wrong items corrected with the credit agency. Ignore collectors who are not showing up on your report.  If they aren't reporting you, so what?  Let your own moral compass be your guide if you pay those debts or not. Negotiate a payment amount with the debtors you owe.  If you are dealing with a debt collector, there isn't any point in paying the full amount.  You owed the money to somebody else, and they sold it to the debt collector, therefore in my mind they are as whole as they feel like being.  It is up to you how much you pay, but you are already going to suffer  (and have suffered) the credit ramifications.  No sense in wasting money when they will very likely settle for dimes on the dollar.  Don't let them bully you around.  I suggest understand your rights and protections as offered by the Fair Debt Collection Practices Act Before you pay anybody anything, get it IN WRITING Wait and follow up.  Make sure they report it correctly. I would probably tackle them in order of age, newest first.   Don't bother with debts that are more than, or nearly seven years old.  Anything that old is or will fall off of the credit report soon, and your score will start to rise.  Paying on those debts will refresh them and they will harm you longer.  We can debate the ethics of that advice in the comments, but if you want your score to raise, I suggest just waiting about anything over six years old while you tackle the newer ones. This is a SLOW process.  Your credit score will still take a couple years to heal once you fix your report.  But that is the point of the score after all.  It is a history of how you handle money and debt.


Finance at the PhD level requires a pretty complete understanding of linear algebra, multivariate calc (cIII), vector calc, stochastic calc, diff eq, and numerical analysis.  As someone who had math for one of his majors for undergrad, it's not about the intuitive understanding but the abstract as well.  Most of the finance professors that I had and researched under were originally undergrad for math.  Very few of them actually started out in business roles/degrees....


They picked him up at his home. They went out of their way to victimize him. In order to say exactly how it was done you need to investigate the business, do interviews and review records. Destroying evidence and giving false statements to the police are serious crimes. Are the employees going to want to risk jail and criminal records to protect this business?


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Im with you there, and it's not 50% of the population, not sure what magic number factory Zuckerboy pulled that statistic from. Support of Trump is intolerable as an American at this point. He is demonstrably not qualified or capable of doing the job of President in any capacity whatsoever. Most of us recognized that before he was elected. At this point, if you still support Trump, you have failed yourself and society around you and need to take responsibility for your foolish life choices. America has been diminished by the actions of Trump and his supporters. Im of the mind that no more ground must be given to these fools, fight their rhetoric however we must. Cheers.


Backstory (since I've never submitted a link before and don't know how to write a paragraph up there):  I work as an analyst intern at a small RIA and this paper has been mentioned a few times. What do you guys think? What are the managers that actually CAN outperform benchmarks doing that most (~2/3) can't?


> A $15/hr minimum wage would ruin our economy and cause a lot more suffering and homelessness.  I think reasonable people can disagree but I think you're being a little melodramatic.  It could in theory hurt our economy and even the workers it's trying to help but I think it's a stretch to make it sound like our economy would collapse due to a $15 minimum wage.


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Agreed. In his current situation, I'd expect OP would find the most personally fulfilling use of his freedom to be spending his time (and not his money) helping people that he is able to help.  He mentioned he was a cop.  Maybe he'd have the insight needed to help get kids out of gangs.  Or, help improve relationships between cops and rough neighborhoods. Doesn't have to be a cop thing. That's just all I've got to work with.


No, it's always accelerating. Each cycle of technological revolution occurs faster than the last. The internet revolution was the fastest yet, it happened in just a few years, *and things are way better*.   The time when the revolutions happen so fast that people can't keep up is called the Singularity, but I still don't think it'll be a problem.


I guess that is one example out of hundreds.  It does not exemplify the tribes here with huge casinos, hotels and shopping malls.  Maybe those tribes do not want to grow.  I am sick to death of growth.  It serves the few at the expense of the many.  Human sprawling is killing the region where I live in every way, and has killed many before.  If UBI money is helping the surrounding states, it works.  If the Native Americans don't grow their economy, that is their choice.  If they don't want to integrate in whities back stabbing dog eat dog economy.  I empathize fully.  Edit:  And the Navajo people's needs were met.  What is utterly ridiculous is that everyone in this country is given money from someone.  Some just get more than others.  Someone tell me why I am less deserving.


And the vast majority of that, over 80%, is concentrated in just a small fraction of neighborhoods. Part of Baltimore's problem is precisely because it's so economically segregated, which is unfortunate. I lived in the Mount Vernon neighborhood for years, and I never once felt unsafe.  People need to grow a spine.


Have you considered getting a bike? you would be able to ride it in Europe the same as over here because of no left right bias, also cost wise they are much much cheaper to run.


I'm not going to address everything here, we are politically too far apart for much meaningful dialogue.   But I only made the claim workers should be paid a living wage. Not give her more because she has kids. I have no clue how that wasn't clear. Social safety nets can provide for large families, I obviously don't think anyone's wage should be based on being a teenager living at home etc.   Notice how you defined value, it is a very subjective opinion. I think human lives have value beyond measure. This is certainly not the case in reality. And thus a mother can work 80 hour weeks yet be homeless. That is ok with you? I understand pragmatism, but I believe we can do better.   You can worship the market or invisible hand. That's fine. I personally find my values and ethics outweigh any allegiance  to any given system.  I, on the other hand, find our current corporate oligarchy ridiculous. This isn't capitalism. This is not a free market. Not even close.


My answer is not specific, or even maybe applicable, to Microsoft. Companies don't want to cut dividends. So they have a fixed expense, but the cashflow that funds it might be quite lumpy, or cyclical, depending on the industry. Another, more general, issue is that taking on debt to retire shares is a capital allocation decision. A company needs capital to operate. This is why they went public in the first place, to raise capital. Debt is a cheaper form of capital than equity. Equity holders are last in line in a bankruptcy. Bondholders are at the front of the line. To compensate for this, equity holders require a larger return -- often called a hurdle rate. So why doesn't a company just use cheaper equity, and no debt? Some do. But consider that equity holders participate in the earnings, where bondholders just get the interest, nothing more. And because lenders don't participate in the potential upside, they introduce conditions (debt covenants) to help control their downside exposure. For a company, it's a balance, very much the same as personal finances. A reasonable amount of debt provides low-cost capital, which can be used to produce greater returns. But too much debt, and the covenants are breached, the debt is called due immediately, there's no cash to cover, and wham! bankruptcy. A useful measure, if a bit difficult to calculate, is a company's cost of capital, and the return on that capital. Cost of capital is a blended number taking both equity and debt into account. Good companies earn a return that is greater than their cost of capital. Seems obvious, but many companies don't succeed at this. In cases where this is persistent, the best move for shareholders would be for the company to dissolve and return all the capital. Unfortunately, as in the Railroad Tycoon example above, managers' incentives aren't always well aligned with shareholders, and they allocate capital in ways advantageous to themselves, and not the company.


"First, what structure does your index fund have?  If it is an open-end mutual fund, there are no bid/ask spread as the structure of this security is that it is priced once a day and transactions are done with that price.  If it is an exchange-traded fund, then the question becomes how well are authorized participants taking advantage of the spread to make the fund track the index well?  This is where you have to get into the Creation and Redemption unit construct of the exchange-traded fund where there are ""in-kind"" transactions done to either create new shares of the fund or redeem out shares of the fund.  In either case, you are making some serious assumptions about the structure of the fund that don't make sense given how these are built. Index funds have lower expense ratios and are thus cheaper than other mutual funds that may take on more costs.  If you want suggested reading on this, look at the investing books of John C. Bogle who studied some of this rather extensively, in addition to being one of the first to create an index fund that became known as ""Bogle's Folly,"" where a couple of key ones would be ""Common Sense on Mutual Funds: New Imperatives for the Intelligent Investor"" and ""Bogle on Mutual Funds: New Perspectives for the Intelligent Investor."" In the case of an open-end fund, there has to be a portion of the fund in cash to handle transaction costs of running the fund as there are management fees to come from running the fund in addition to dividends from the stocks that have to be carefully re-invested and other matters that make this quite easy to note.  Vanguard 500 Index Investor portfolio(VFINX) has .38% in cash as an example here where you could look at any open-end mutual fund's portfolio and notice that there may well be some in cash as part of how the fund is managed.  It’s the Execution, Stupid would be one of a few articles that looks at the idea of ""tracking error"" or how well does an index fund actually track the index where it can be noted that in some cases, there can be a little bit of active management in the fund. Just as a minor side note, when I lived in the US I did invest in index funds and found them to be a good investment.  I'd still recommend them though I'd argue that while some want to see these as really simple investments, there can be details that make them quite interesting to my mind. How is its price set then? The price is computed by taking the sum value of all the assets of the fund minus the liabilities and divided by the number of outstanding shares.  The price of the assets would include the closing price on the stock rather than a bid or ask, similar pricing for bonds held by the fund, derivatives and cash equivalents.  Similarly, the liabilities would be costs a fund has to pay that may not have been paid yet such as management fees, brokerage costs, etc. Is it a weighted average of all the underlying stock spreads, or does   it stand on its own and stems from the usual supply & demand laws ? There isn't any spread used in determining the ""Net Asset Value"" for the fund.  The fund prices are determined after the market is closed and so a closing price can be used for stocks. The liabilities could include the costs to run the fund as part of the accounting in the fund, that most items have to come down to either being an asset, something with a positive value, or a liability, something with a negative value. Something to consider also is the size of the fund.  With over $7,000,000,000 in assets, a .01% amount is still $700,000 which is quite a large amount in some ways."


"Company Distribution is attempting to show a histogram of how many companies fall within a given range so you can visualize the number of companies that meet a certain parameter.  For example if you move the ""Market Cap"" sliders so the minimum slider is just before the large rise in the distribution and move the maximum slider so it is just after the fall off in distribution, you can see that most companies have a market cap between ~5700 and ~141B."


if you don't intent to touch the money for 10 years or longer, then dumping 100% into a low-expense-ratio index fund seems like a perfectly reasonable thing to do. it is simple, low maintenance and fairly mindless. just remember to reinvest the dividends occasionally (e.g. every 6 months).  however, if you are the kind of person who is going to lose their nerve when the market goes down 30%, then putting some of your money into a bond index fund or even a treasury note fund would be better than selling stock in a down market. just figure out how much of your portfolio you are comfortable losing, and put that in stocks.  then put the rest in some stable value fund and watch it's value get slowly washed away by inflation while your stock investments rise through violent swings.


If you've got millions in a wallet but only make 50k a year, the government will go after you for tax evasion if you ever try to spend a significant amount of it.  You can never cash out, that's not clean money


Candle stick patterns are generally an indication of possible short term changes in price direction (if a reversal pattern). A doji is such a reversal candle, and should be read as there could be a short term change in the direction of price action. A doji is most effective at peaks or troughs, and the outcome can be a higher probability if occuring during overbought conditions (at the peak) or during oversold conditions (at the trough). So a doji should be used for short term changes in direction and not a total change in the overall trend. Although there could be a doji at the very top of an uptrend or at the very bottom of a downtrend, we wouldn't know it was the change of the trend until price action confirms it.  The definition of an uptrend is higher highs and higher lows. The definition of a downtrend is lower lows and lower highs. So an uptrend will not be broken until we have a lower high and confirmed by a lower low, or a lower low confirmed by a lower high. Similarly a downtrend will not be broken until we have a higher low confirmed by a higher high or a higher high followed by a higher low. Another thing to consider is that doji's and other candle stick patters work best when the market is trending, even if they are only short term trends. You should usually wait for confirmation of the change in direction by only taking a long trade if price moves above the high of the doji, or only taking a short trade if price moves below the low of the doji.


"Full disclosure:  I own restaurants.  It's a bit of a Catch-22.  It's a weird time for the restaurant industry because minimum wage is going up (which I'm all for) but in a lot of states, you don't get tip credits.    So, ""Make at least good food with decent portion sizes at a moderate price"" is pretty tough to hit.  ""Good"" food costs more yet bargain chains like BWW get raked across the coals for being too expensive.    It's why fast-casual (Chipotle, et al) are taking business from Applebee's and BWW.  I think we're going to see a lot of the casual dine-in restaurants fall by the wayside pretty soon, their rent and labor costs just aren't sustainable in a bargain-seeking market.   Good, fast, cheap.  Pick two."


cfa here  what sort of valuation/modeling/analysis do you do? is it similar to the cfa curriculum? just because you're good at math doesn't mean you'll be good at cfa math.  and do you have a good knowledge of econ, quantitative methods, and equity/debt concepts?  keep in mind you only need to pass and not get everything right. for the most part i feel that people who come from a finance background in terms of education and/or work experience has it easier. ~150 hours seems to be cutting it close personally


The question is how does $16,000/year for 6.5 years fit into your budget. Or to put it another way, what won't you be spending that money on? Housing, food, vacations, retirement fund, investments (though you can invest your car fund in the meantime), building a hefty emergency fund, kids college funds, saving for a down payment on a home, charity, etc... are all other places that money could go. I don't know what your needs are today let alone 6.5 years into the future, but I'd encourage you to consider all your financial goals and evaluate where this expense would fit.  It seems your plan is to save up to the total cost of the car and then buy it in cash. That's a valid strategy, but it means you'll have no car (unless you already own one) for 6.5 years.  Do you need a car? If so, what will you drive in the meantime (and even if you already own another car outright, you'll have gas and maintenance expenses)? If you don't need a car, then $100,000 is a rather extravagant purchase for something we just established you don't need. Would you be happier having this expensive car in 6.5 years, or having a series of less expensive cars starting now? Or buying a used model of the expensive car sooner? Or having no car at all? Also, a lot can change in 6.5 years. Cars will evolve and there'll be different models and options available. Maybe your salary will have doubled, or maybe you'll be unemployed. You could be living in a different city, have a different commute, and maybe you'll need a minivan to haul kids around or live in a place with bad winters and want a 4-wheel-drive. You'll also need to be prepared for the additional expenses that generally come with expensive cars, such as higher insurance and maintenance rates, and parking could be costly if you live in an expensive city.  The other option, of course, if the car is truly something you need, want, and can afford, would be to save up a sizable down payment and finance the rest so you can get the car sooner. Finally, there's nothing wrong with saving your money for 6.5 years, building up that fund, and then reevaluating what makes the most sense for you at that time. Maybe it will the car, maybe something else, but the nice thing about having savings is that it gives you more options.


You would place a stop buy market order at 43.90 with a stop loss market order at 40.99 and a stop limit profit order at 49.99. This should all be entered when you place your initial buy stop order. The buy stop order will triger and be traded once the price reaches 43.90or above. At this point both the stop loss market order and the stop limit profit order will become active. If either of them is triggered and traded the other order will be cancelled automatically.


Mutual funds are a collection of other assets, such as stocks, bonds and property. Unless the fund is a type that is traded on an exchange, you will only be able to buy into the fund by applying for units with the fund manager and sell out by contacting the fund manager. These type of non-traded funds are usually updated at the end of the day once the closing prices of all the assets in it are known.


As Dilip commented, the Social Security web site is pretty comprehensive.  Understanding Supplemental Security Income SSI Income has the details you are looking for.  It's a convoluted equation. You lose SSI at a pretty fast rate as earned income rises. The system is not kind to those who qualify for SSI but try to earn some money to cover their needs.


Yeah, it sounds like people are mostly mad that housing and such has inflated.  The thing about wage stagnation is it's stagnant, not slipping.  So if minimum wage, relative to everything else, pays about the same as it used to, that's not really a problem in and of itself.  Hell, basic cell phones and plans are even factored into CPI since they're so important.  If people on minimum wage are struggling *more than they have historically*, it's likely got to do with something other than necessities.


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When adding a new or used car to the policy I have found that it is best to call the company in advance. I let them know I will be adding a car to the policy in the next few days, but I have no idea of the VIN or other info.  I have a policy with a different company and they have told me that I am automatically covered  as long as I provide the VIN and other details within 30 days. The next business day after the purchase I provide everything they need, and a new bill is generated. When removing a car from the policy it has worked the same way, a new bill is generated when removing the car. Depending on the timing and amounts they have either credited my account or sent a check.  They should have no problem removing a car that was accidentally on the policy. It might be that they charge you a days coverage. When you call them about the refund, ask if the coverage for an additional vehicle is automatic, that way you don't have to provide the info until after you get the car home.


You are being ripped off on several counts. 1) 40k is 26% not 25%. 2) Why should you pay them $500 rent? they bought a share of the property, they should fund it if they intend to keep 75% 3) Why do you need to pay them for the 75%? why dont they need to pay you for the 25%? You are better off getting a loan for the 75% and going solo so you get to buy equity.


"When you do your taxes, you have two choices for your deductions. You can take the standard deduction, or you can choose to itemize your deductions. If you itemize your deductions, you use Form 1040 Schedule A.  By looking at Schedule A, you can see the list of deductions that are itemized: On Schedule A itself, you only list a total for each of these broad categories. In some cases, this is sufficient detail. However, for certain deductions, finer detail may be required, and you may have to submit additional forms showing this detail. For example, on the medical expense line, you generally only list a total of medical expenses; details are only supplied to the IRS upon request. For noncash gifts to charity, you need to supply more details on Form 8283 if your gifts are worth more than $500.  These requirements can be found in the instructions for Schedule A. As noted by @Accumulation in the comments, the above deductions that are a part of your itemized deductions are called ""below the line"" deductions (because they are subtracted after the adjusted gross income line) and are only able to be deducted if you choose to decline the standard deduction. There are other deductions that are available whether or not you itemize. These ""above the line"" deductions are found on Form 1040 Lines 23-35. If you look at these lines on the form, you'll see the different types of deductions that are called out here. Some of these deductions require additional details on other forms; for example, the HSA deduction requires details on Form 8889.  If you have a business, your business expenses are not part of your itemized deductions at all, and do not appear on Schedule A anywhere. Instead, your business expenses get subtracted from your business's revenue, and the resulting profit (or loss) is what is reported on your Form 1040.  Different types of businesses report these expenses differently. If you have a sole proprietorship, the details of your business's expenses are reported on Schedule C. On this schedule, Part II is devoted to deductible business expenses. Take a look at Schedule C, and you'll see that Lines 8-27 are different categories of expenses that get called out on this schedule."


"If I understand you situation correctly, then the accepted answer is extremely misleading and incorrect. Your arrangement with your parents is definitely unreasonable. It is definitely not ""similar to an interest-only loan"". In an interest-only loan, like you can get from a bank, you will loan a sum of money, which you are expected to pay back at a certain time in the future, or when you sell the condo. But you pay back the original sum, not the value of property at selling time. For the access to the money you pay an interest to the bank. The bank gets their profits from the interest. The property only serves as collateral in case you are not able to make your interest payments.  Another way to view it, is that your parent bought (a share of) your condo for investment reasons. In that case, they would expect to get their profits from the increase of the value of the property over time. That looks most like your situation. Granted, that is more risky for them, but that is what they choose to sign up for. But in that case it is not reasonable to charge your for interest as well, because that would mean they would get double profits. So how does the $500 monthly payment fit in? If it is interest, then it would work out to a yearly interest of about 5.2%. Where I live, that would nowadays be extremely high even for an interest-only mortgage from a bank. But I don't live in the USA, so don't know whether that is true there. I think in your situation, the $500 can only be seen as rent. Whether that is reasonable for your situation I cannot judge from here. It should be 75% of a reasonable rent for a condo like that. But in that case, your parents should also stand for 75% of the maintenance costs of the property, which you don't mention, and most of the property taxes and insurance fees. In short, no it is not a reasonable arrangement. You would be better of trying to get a morgage from the bank, and buy out your parents with it."


It's probably worth distinguishing that I am talking specifically about revenues and speaking to the beliefs *about* revenue of people who make the cuts-for-growth claim.  I am tempted to say that *nominal rate* does not mean *money paid* is common knowledge. The challenge here is disentangling how common that knowledge really is from a cynical ploy for political gain.


"It's a decision that only you can make. What are the chances that you'll want to take another loan (any loan - car, credit card, installment plan for new fridge, whatever else)? What are the chances that with the bad credit you'll find it hard to rent a place (and in Cali it's hard to rent a place right now, believe me, I bought a place just to save on the rent)? What are the chances that the prices will bounce and your ""on-paper"" loss will be recovered by the time you actually need/want to sell the house? You have to check all these and make a wise decision considering all the pros and cons in your personal case."


"I've been a member for over 15 years and do most of my shopping there.  But it isn't a myth.  While some items are singles/normal such as clothing, many are larger/bulk.  The price per unit is a heck of a lot lower as a result, but the price is still higher.  For example ketchup is a 1.25kg two pack while my local supermarket sells them as smaller singles.  Toilet paper is twice the price of a local Target but you get almost 4 times as much.  Bacon comes as a two pack of a pound each (one pack at supermarket).  Milk comes as two one gallon containers.  Fruit and vegetables come in containers that are typically twice the size of my local supermarket.  Bleach comes in a huge box containing 3 large containers.  Shrimp comes in a two pound bag - local supermarket is 1lb pound bags at their largest.  Halloween candy comes in huge bags - the local supermarket has some that big, but the vast majority are a lot smaller.  Bread is in two packs - local supermarket is a one pack.  The rotisserie chicken is a single just like my local supermarket and is cheaper.  Costco is undoubtedly value for money, but a typical family shopping list will cost more upfront (and then last longer).  But not everyone can afford the membership and higher initial ""investment""."


2014 Limit: $2,500 Notes 2014 Limit: $3,300 individual, $6,550 family Notes 2014 Limit: $5,000 Notes 2014 Limit: $2,500 Notes 2014 Limit: $250/month Notes 2014 Limit: $130/month Notes


I like to think of Safeway as more of a middle-of-the-road store. Poor people don't shop at Safeway, but neither do rich people. Most of our customers are on the older side, around the 40 and above range.  The key to shopping at Safeway is to only buy the things on sale. You shouldn't be buying your entire grocery list at Safeway if you're on a budget.   A few examples:  2 Lb. Strawberries for $2.50  Recently I got 1.5 Quart Ice Cream for $1.25 each, it was the good 3-4 flavor stuff too, not just Vanilla/Chocolate.


"You're asking if lottery ticket can ever produce a positive expected value (EV). The short answer is, ""no"". There's an interesting article that goes into the details and is heavy on the math and graphs. The key point: Even if you think you have a positive expected value due to the size of the jackpot being larger than the number of possible numbers, as more tickets are purchased (and the jackpot grows larger) the odds of someone else picking the winner goes up and your EV goes down. The article concludes: [It] ... paints a grim picture for anyone   still holding out hope that a lottery ticket can ever be an   economically rational investment. As the jackpot grows in value, the   number of people who try to win it grows super-linearly. This human   behavior has a mathematical consequence: even though the jackpot   itself can theoretically grow without bound, there is a point at which   the consequent ticket-buying grows to such a fever pitch that the   expected value of the jackpot actually starts going down again."


I upvoted you as I think your story is important to tell. However, commodities and futures accounts have never been protected under SIPC. The use of your money to pay debts sounds illegal or perhaps it was legal under a document you signed when you opened your account. Bankruptcy was not a way to screw you over.  The bigger point is that bankruptcy is a way to restructure debts and is beneficial in the long run to the benefits of society. While we often look at people or corporations who have to file bankruptcy as being irresponsible (and what I am about to say may reflect negatively on you, for that I apologize) the people or corporations who lent to a bankrupt entity should be scorned just as much.  Right now, the EU is going through a period where we are hoping bankruptcy is off the table. Increasingly though, the only way to do that is to try and paper over debts that will never be repaid for a long enough time period for growth to resume. But the question remains, what if growth never comes back. This is why restructuring and bankruptcy is the only option for Greece and likely Italy, Portugal, Spain and Ireland.


Looks like a great service. Honestly, if the following 3 things were different I'd join at the C tier without hesitation:  1) 24 hour service (most of my customers are in Europe and Asia).  2) If you did active calendar management.  3) Outgoing calls to confirm appointments, etc. were included in the minutes.


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My son is in a similar situation where he is 21 and in college. My wife and I claimed him as a dependant on our taxes last year. He had still been able to get some student loans as a dependant as well as scholarships. I have told him that we will not cosign on a loan for him. It isn't because we don't like our son, it is simply because too many unexpected things can happen.  He has been working multiple jobs which is one thing I would suggest as well as donating plasma for extra money to have a social life. As an electrical engineering major he doesn't have much time to be social. He cuts rent by having roommates and does most of his own cooking to help with food costs.  The main thing he does to keep his costs under control is attends a school that isn't outrageously expensive.  An expensive school does not offer as much benefit for an undergrad degree as it might for a graduate degree.  Another option is to look for a job that had some sort of tuition assistance.  Another option along that same line is look into military service either active duty or reserves as there is tuition help to be found there. There are options that don't involve debt. As a side note my son used a student loan last year however, this coming year he has his budget figured out and he will not be needing one at all.


"This would never apply for tax ""brackets"". It's not as though making an extra dollar will put you into an entire separate bracket, the IRS isn't that bad. They bump up the ""brackets"" every $50, so you will never turn down a raise because it would cause you to lose income. However if your raise would preclude you from contributing to your IRA because it pushes you over $110,000 then yes, you could turn it down or explain to your boss that it would need to be just a little bit higher to cover your IRA contribution loss."


Now, stop worrying about your security concerns and leave it to us. We offer professional security services for all kind of security needs in Irvine. With extensive experience in providing security services coupled with good number of security personnel, we provide security for all kind of purposes such as public properties, individuals’ needs, special events etc.


Debt creates risk.  Plain and simple.  Comparing interest rates of debt vs. possible investing.  To me, it is all meaningless.  When you are in debt, you options are limited.  If you are not in debt, you have more freedom. To me, it is a no brainer.  Become debt free ASAP.


"There are way more than ""some successful ones from millions."" Nearly all my close friends are employed professionals (I'm talking about doctors, lawyers, university professors, software developers, business owners, government employees, working artists, you name it) who use marijuana. Same goes for my parents' friends. If anything, they smoke much more than my generation. Yet they all seem to have had decent careers and are now retiring happily.  [More than half of Americans have used marijuana.](http://www.nbcnews.com/news/us-news/new-poll-finds-majority-americans-have-smoked-pot-n747476) If what you were saying were true, there would be a huge underclass of people wasting away in basements, doing nothing more with their lives than eating Pringles and playing video games. But that's just a derisive stereotype that does not represent most people who smoke pot."


This is a scam. There is no soldier, no money ... This is a story to gain sympathy and make one part with Bank account and other details so that the scammer can make away with your money.


No. Bank of America helped out during the financial crisis by buying Merrill Lynch (I am not suggesting they did this for altruistic reasons, just trying to describe the position they were in despite already purchasing Countrywide). They were forced to accept TARP but they paid it all back by the end of 2009. If the IRS fucked up their math like BofA is suggesting then they deserve to be compensated.  Edit: Countrywide is one word.


Hey now. Don't be so harsh. Depending on when he was hires his $6M in stock may have only dropped to $4.8M today if he was hired very recently or $3.6M if has been on for the last 52 weeks.


"There are a few factors at work here, supply and demand being the main one. The Office for National Statistics has some good information: http://visual.ons.gov.uk/uk-perspectives-housing-and-home-ownership-in-the-uk/ Supply has historically struggled to compete with demand in the UK and this situation has been exacerpated since the 1980s when Margaret Thatcher was Prime Minister.  She set up a variety of schemes to encourage people to own their own home, such as tax relief (MIRAS) and since then home ownership in the UK has increased dramatically. The then conservative government also set up the ""right to buy"" scheme (in 1980) that allowed council tenants to purchase their council houses at a discounted rate.  The effect of this was to increase the number of home owners whilst reducing the amount of housing available for councils to rent to new tenants.  Anecdotal evidence (I can't find a documented source to back this up) suggests that councils did not build sufficient new homes to replace those purchased by their ex-tenants. The population of the UK has also increased, by around 10 million since 1980 (around 20%) and this has pushed up demand for housing.  House building in the UK has not kept pace with these factors that has led to a shortage of supply that has pushed up prices. http://www.ons.gov.uk/ons/rel/pop-estimate/population-estimates-for-uk--england-and-wales--scotland-and-northern-ireland/2013/sty-population-changes.html There's another factor at play here as well.  If you go back to the 1970s around 53% of women would go out to work but in 2013 this figure increased to 67% as it became more common for households to have double incomes.  This extra supply of cash also pushed up house prices. http://www.ons.gov.uk/ons/dcp171776_328352.pdf Your question regards a debt based monetary system is not entirely clear, but there are limitations put onto how much money people can borrow that are potentially limiting how much house prices can rise by.  Today most lenders are more conservative in how much they will lend but this wasn't the case in the mid 2000s when house prices rose very quickly.   Lenders are more cautious today after the crash of the late 2000s, but things are begining to relax again and they are starting to lend more which could in turn lead to further house price rises in line with what was seen in the 2000s. Recessions have coincided with house prices falling back or at least being stable.  In the 1980s house prices trebled from 1980 to 1988 but then fell back a little as the recession hit, before starting to rise again in 1997.  This rise was sustained until 2008 during which time prices trebled again.  Based on this you could assume prices will treble again as we come out of the recession, as long as this is sustained for 8 years or so. However, as the potential for more households to become double income is reduced (high female employment already) and wages are unlikely to raise that quickly, this may not be realistic, unless the mortgage lenders become extremely lax, to the point of reckless! To answer your other question, about the affordability of housing, this will be based on the level of wages in the UK and how strict or lax the lenders are, also taking into effect the availability of housing for purchase.  If wages rise, house prices will rise, if lenders are willing to lend more money, house prices will rise and if demand continues to outrstip supply, prices will rise. None of the major UK political parties are likely to solve the problems of population growth and not enough houses being built so it is likely prices will rise but you could argue that they are not far off a peak based on current wages and lenders attitudes.  If the UK economy continues to recover from the recession, it is possible they will fuel another housing boom by lending ever increasing salary multiples as happened in the 2000s, unless there is government intervention, ie regulation of the lenders."


"Goods that are exchanged for financial value, which you can use to increase your own standard of living at the expense of the people importing your goods. What good's a toaster if you spent part of your nest egg to get it?  I've been ""emphasizing"" a bottom line this entire time!"


I apologize that I mixed you up with a previous commenter. On mobile, I can't see who posted and reply at the same time, and I should've been more careful.   I am aware of immigration to Europe.  All of my previous responses pertained to Scandinavia because I was replying to the Scandinavian comment specifically. I did not say that all of Europe is insulated geographically or that all of Europe is ethnically homogeneous.  To address your question specifically, this paper would suggest that not only is the scale of illegal immigration in the EU much smaller than it is in the US (this paper doesn't make the comparison, but it does mention roughly half a million illegal immigrants enter Europe every year, which is about half that of the US), but also that illegal labor is an issue and it is growing as illegal immigration grows.  https://archive.intereconomics.eu/downloads/getfile.php?id=323  So I guess we are at a bit of an impasse. I'm not sure I concede that Europe doesn't have this problem or that the US is unique in how supply and demand relate to labor. I do agree that the scale of the problem is different, so perhaps that is enough to continue discussion?


The functioning of vacuum pump oil can vary from continuous running to intermittent use and also for cyclic duty. Along with these, the fluids can also be used in vacuum pumps to eliminate cross contamination, high particulate, water vapor applications, clean air or hazardous gas pumping. All these factors play a vital role in the consideration of oil for your vacuum pump’s duty or process.


I would say that, for the most part, money should not be invested in the stock market or real estate.  Mostly this money should be kept in savings: I feel like your emergency fund is light.  You do not indicate what your expenses are per month, but unless you can live off of 1K/month, that is pretty low.  I would bump that to about 15K, but that really depends upon your expenses. You may want to go higher when you consider your real estate investments.  What happens if a water heater needs replacement?  (41K left) EDIT:  As stated you could reduce your expenses, in an emergency, to 2K.  At the bare minimum your emergency fund should be 12K.  I'd still be likely to have more as you don't have any money in sinking funds or designated savings and the real estate leaves you a bit exposed.  In your shoes, I'd have 12K as a general emergency fund.  Another 5K in a car fund (I don't mind driving a 5,000 car), 5k in a real estate/home repair fund, and save about 400 per month for yearly insurance and tax costs.  Your first point is incorrect, you do have debt in the form of a car lease.  That car needs to be replaced, and you might want to upgrade the other car.  How much?  Perhaps spend 12K on each and sell the existing car for 2K?  (19K left). Congratulations on attempting to bootstrap a software company.  What kind of cash do you anticipate needing?  How about keeping 10K designated for that?  (9K left) Assuming that medical school will run you about 50K per year for 4 years how do you propose to pay for it?  Assuming that you put away 4K per month for 24 months and have 9K, you will come up about 95K short assuming some interests in your favor.  The time frame is too short to invest it, so you are stuck with crappy bank rates.


China actively SELLS US Treasuries.   http://online.barrons.com/article/SB50001424052748704097904577257030958775246.html  The Chinese are not stupid.  Why the fuck would someone buy a 2 year at .2% when inflation is over 1% PER YEAR?    So insolvent banks can park collateral at Central Banks for cash.  This is why the balance sheets of developed world nations have exploded since 2008.  http://www.alsosprachanalyst.com/economy/charting-central-banks-balance-sheets.html  edited: for unnecessary rudeness


So based on his GM argument, Microsoft may fail 20 to 40 years from now. Ok, but what's going to happen this decade?  EDIT: Oh, I see. Mr. Allen doesn't want to predict what will happen before he retires, that might require real work.  **I am the Leadership Editor of ~~Forbes~~ Reddit**


Interests change. So do careers. She had been in security 14 years. Undergrad is meaningless at that level and point in career. Contractors give flexibility to staff up for projects and down again as conditions dictate, and are paid higher rates to compensate for the impermanence.


I'm not a 'rule of thumb' guy, but here, I'd suggest that if you can set aside 10% of your income each year for college, that would be great. That turns out to be $900/mo.  In 15 years, if you saw an 8% CAGR, you'd have $311K which happens to be in your range of expenses. And you'd still have time to go as the baby won't graduate for 22(?) years. (Yup, 10% is a good rule of thumb for your income and 3 kids) Now, on the other hand, I'd research what grants you'd be able to get if you came up short. If instead of saving a dime, you funded your own retirement and the spouse's IRA if she's not working, and time the mortgage to pay it off in 15 years from now, the lack of liquid funds actually runs in your favor. But, I'm not an expect on this, just second guessing my own fully funded college account for my daughter.


"I can see why you are feeling financial stress.  If I understand right you have put yourself in a very uncomfortable and unsustainable situation and one that should indeed be very stressful for a person of your age.  I feel a lot of stress just reading over your question. I'm going to be very frank.  Your financial situation suggests that you have very aggressively taken wealth from your future self in order to consume and to make inefficient investments.  Well, look in the mirror and say to yourself ""I am now my future self and it is time to pay for my past decisions.""  Don't take money out of your IRA.  That would be continuing the behavior as it is a very inefficient use of your resources that will lead to yet more extreme poverty down the line. Ok, you can't take back what you have done in the past.  What to do now?  Major life restructuring.  If I were you, I'd sell my house if I had one.  Move in with one of your kids if you have any nearby.  If not, move into the cheapest trailer you can find.  Take a second job.  Very seriously look to see if you can get a job that pays more for your primary job--I know you love your current job but you simply cannot continue as you are now.  Start eating really cheap food and buying clothes at thrift stores.  Throw everything you can at your debts, starting with the ones with the highest interest rate.  Plan now to continue working long after your peers have retired. Early in life is the time to be borrowing.  Middle age is when you should be finishing paying off any remaining debts and tucking away like crazy for retirement.  Now is not an OK time to be taking on additional debt to fund consumption. I know changing your life is going to be very uncomfortable, but I think you will find that there is more peace of mind in having some amount of financial security (which for you will require a LOT of changes) than in borrowing ever more to fund a lifestyle you cannot sustain."


Yes, this is fine: You can save up to £20,000 in one type of account or split the   allowance across some or all of the other types. You can only pay £4,000 into your Lifetime ISA in a tax year ... Example   You could save £11,000 in a cash ISA, £2,000 in a stocks and shares ISA, £3,000 in an innovative finance ISA and £4,000 in a   Lifetime ISA in one tax year. https://www.gov.uk/individual-savings-accounts/how-isas-work You might want to consider whether it is wise to be fully invested in shares. If you're going to have to dip into them for things like holidays and a car, you're taking a risk that you might have to sell when the market is low. As a basic rate taxpayer, you have a £1 000 personal savings allowance. You don't need to chase the tax break with a cash ISA, which often have poor rates. However, you should consider keeping some of your savings in cash, for example in a current account that pays decent interest on the balance.


The (assets - liabilities)/#shares of a company is its book value, and that number is included in their reports. It's easy for a fund to release the net asset value on a daily basis because all of its assets (stocks, bonds, and cash) are given values every day by the market.  It's  also necessary to have a real time value for a fund as it will be bought and sold every day. A company can't really do the same thing as it will have much more diverse assets - real estate, cars, inventory, goodwill, etc.  The real time value of those assets doesn't have the same meaning as a fund; those assets are used to earn cash, while a fund's business is only to maximize its net asset value.


It can be done, but I believe it would be impractical for most people - i.e., it would likely be cheaper to fly to Europe from other side of the world to handle it in person if you can.  It also depends on where you live. You should take a look if there are any branches or subsidiaries of foreign banks in your country - the large multinational banks most likely can open you an account in their sister-bank in another country for, say, a couple hundred euro in fees.


In essence, networking, hard, and continuously working to improve my resume.  I am not certain about a certificate course, but if you can't say without hesitation that your modeling skills are strong, you should focus on improving there.    In terms of networking, build a list of firms you'd like to work for, build a list of the relevant personnel in each (example, if you want to do equity research, build a list of analysts in every sell side firm in your city), and then begin reaching out to them via phone or email to ask them for 15 minute coffee meetings.  Once you build up a few folks in firms that you know, touch base with them quarterly.  CFA may be something to consider if your focus is research.  It's a lot cheaper than an MBA.


"As JoeTaxpayer says, there's a lot you can do with just the stock price. Exploring that a bit: Stock prices are a combination of market sentiment and company fundamentals. Options are just a layer on top of that. As such, options are mostly formulaic, which is why you have a hard time finding historical option data -- it's just not that ""interesting"", technically. ""Mostly"" because there are known issues with the assumptions the Black-Scholes formula makes. It's pretty good, and importantly, the market relies on it to determine fair option pricing. Option prices are determined by: Relationship of stock price to strike. Both distance and ""moneyness"". Time to expiration. Dividends. Since dividend payments reduce the intrinsic value of a company, the prospect of dividend payments during the life of a call option depresses the price of the option, as all else equal, without the payments, the stock would be more likely to end up in the money. Reverse the logic for puts. Volatility. Interest rates. But this effect is so tiny, it's safe to ignore. #4, Volatility, is the biggie. Everything else is known. That's why option trading is often considered ""volatility trading"". There are many ways to skin this cat, but the result is that by using quoted historical values for the stock price, and the dividend payments, and if you like, interest rates, you can very closely determine what the price of the option would have been. ""Very closely"" depending on your volatility assumption. You could calculate then-historical volatility for each time period, by figuring the average price swing (in either direction) for say the past year (year before the date in question, so you'd do this each day, walking forward). Read up on it, and try various volatility approaches, and see if your results are within a reasonable range. Re the Black-Scholes formula,  There's a free spreadsheet downloadable from http://optiontradingtips.com. You might find it useful to grab the concept for coding it up yourself. It's VBA, but you can certainly use that info to translate in your language of choice. Or, if you prefer to read Perl, CPAN has a good module, with full source, of course. I find this approach easier than reading a calculus formula, but I'm a better developer than math-geek :)"


Here is one from a Bloomberg partnership, it is free. To get the end of day prices, you may need some programming done. PM me if you need help with that. Getting bond quotes and general information about a bond issue is considerably more difficult than researching a stock or a mutual fund. A major reason for this is that there is not a lot of individual investor demand for the information; therefore, most bond information is available only through higher level tools that are not accessible to the average investor. Read more: Where can I get bond market quotes? | Investopedia http://www.investopedia.com/ask/answers/06/bondquote.asp#ixzz3wXVwv3s5


I think all the smartest people have these sorts of troubles, they tend to be very unique and individually minded, which doesn't often mesh well with a corporate authority structure.  It depends on the company tho, of course.


All securities must be registered with the SEC. Securities are defined as (1) The term “security” means any note, stock, treasury stock,   security future, security-based swap, bond, debenture, evidence of   indebtedness, certificate of interest or participation in any   profit-sharing agreement, collateral-trust certificate,   preorganization certificate or subscription, transferable share,   investment contract, voting-trust certificate, certificate of deposit   for a security, fractional undivided interest in oil, gas, or other   mineral rights, any put, call, straddle, option, or privilege on any   security, certificate of deposit, or group or index of securities   (including any interest therein or based on the value thereof), or any   put, call, straddle, option, or privilege entered into on a national   securities exchange relating to foreign currency, or, in general, any   interest or instrument commonly known as a “security”, or any   certificate of interest or participation in, temporary or interim   certificate for, receipt for, guarantee of, or warrant or right to   subscribe to or purchase, any of the foregoing. thus currencies are not defined as securities. While OTC transactions of securities is not outright forbidden, there are numerous regulations issued by the SEC as a result of the 1943 Exchange Act and others that make this difficult and/or costly. Many other securities are exempted from registration thus trade in a way that could be called OTC. Different countries have variances upon US law but are very similar. Any security could be traded OTC, but law prohibits it expressly or in such a way to make it relatively expensive; further, stock options are so tightly regulated that expiration dates, expiration intervals, strike intervals, and minimum ticks are all set by the authorities.


"Both, really. Thanks for the insight.  What would someone have to do to ""show you"" that their an expert? Also, what level would you consider an expert? I can manuver a spreadsheet using only the keyboard and have used excel quite a bit, but have limited use with things like VLOOKUP/Pivot tables/VBA."


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Industry groups? Product groups?  No way, that's not how this works and the easy googles are lies. There's a bunker 5,000 feet below any given investment bank that is constructed of solid gold and painted in the blood of fat fingers.  In that shining bunker, M&A resides.


Are you sure these farmers sell straight to wall mart?   There are always companies involved between big farms and grocery stores. They deliver the freshest produce to the higher end grocery stores first because they will pay more for it.   If a particular batch is going bad or doesn't pass inspection, the only companies that take it are Walmart and juice companies, speaking from experience (family business).   Once a batch has gone bad you lose all value and you don't get paid, no insurance even.


Nah, that's just opinion. The benefits far outweigh the detriments.  So far, I don't see anyone panicking with sea level rise. We just spent 62 billion rebuilding New Jersey, RIGHT BACK ON THE SHORELINE. Those are way in the future problems. Right now we are just seeing benefits.  More superstorms? You mean more category 5 hurricanes. Probably, but nothing to worry about. But, please, show me some long term scientific data that says we ARE having more category 5 hurricanes.  Back to sea level rise. Read this chart. http://en.wikipedia.org/wiki/Current_sea_level_rise#mediaviewer/File:Post-Glacial_Sea_Level.png See how in the last 8000 years there is hardly any change at all. The earth goes through shift of 120 meters in glacier cycles and you're worried about 6 inches in a hundred years?


On what do you base that? They are literally selling all the $90,000 cars they can build, at a per-unit profit, and the only reason they're posting losses is massive R&amp;amp;amp;D outlays, which is perfectly normal for a company in its growth phase.   You could argue the novelty will wear off soon, but what makes your take on that market any more reliable than any old guess? Mercedes and BMW prove there's steady streams of people with $80k to drop on a car.   They are just ramping up in China and they have a HUGE appetite for American luxury products.   I totally think they're current share price is, oh let's call it incredibly optimistic... But going bankrupt?


>I don't condone corruption with peons or elites.  I'm fairly anti-capitalist, though I'll freely admit it has benefits. The thing I really don't get though, is why so many self proclaimed capitalists seem to support crony capitalism ot at least turn a blind eye to it. Aren't most conservatives heavily against corruption in politics?


It's good advice that I use on occasion. It typically only works for small businesses though. You need to keep in mind that everytime you swipe your card that business pays 1.5-3% processing fee to Visa/MasterCard and probably won't see your money in their account for at least a month. Also since cash has less of a paper trail many businesses don't accurately report it come tax time (ie. they subsequently pay less taxes).


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Come om guys, it'll probably  e either 50.000 as a maximum for number of applicants, or 50.000 jobs that you can apply for but don't necessarily need filling right away / at all. For example they are already filled but just thrown out there in case a special candidate applies.   Or all shifts in the warehouse are counted separately, like the extra ten people in the morning are counted as separate jobs etc etc endless possibilities.


Awesome info, this is what I was looking for. I live in FL so i will look into LLC laws. Is there a difference in obtaining loans for multi-unit properties, or any special requirements? This would be my first purchase so I'm trying to decide if I should start with a multi-unit or a large home. I read something about a first time home buyers and the FHA allowing one to put down less of an initial investment. Im assuming this is if you are actually going to be living in the home or property?   Would it make sense to have separate entities for specific types of units? For example One separate corporation per multi-unit property, but have multiple single family homes under another single entity?   Thanks for the help.  *quick add-on, would you know how long the corporation would have had to exist before being able to obtain a loan? For example, would XYZ, LLC. have to have been around for 3 years prior to the loan, or could i just incorporate the month before going to the bank?