"This is the best tl;dr I could make, [original](https://www.theatlantic.com/science/archive/2017/06/global-warming-american-south/532200/) reduced by 94%. (I'm a bot) ***** > &quot;Most of the risk maps show that climate change is going to be terrible for Trump country. Like, it&#039;s not clear at all-from these maps-why reducing climate change is not a more urgent issue for Republicans, purely as a matter of representing their people,&quot; said Joseph Majkut, the director of climate policy at the Niskanen Center, a libertarian think tank, in an email.  > The only factor of climate change that doesn&#039;t specifically hurt the South is a projected rise in property crime associated with climate change.  > So if climate modeling remains imperfect, what&#039;s the point of doing it? Researchers have spent the last 25 years trying to forecast the economic damages of climate change.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6kcjnl/the_american_south_will_bear_the_worst_of_climate/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~155616 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*: **Climate**^#1 **change**^#2 **economic**^#3 **cost**^#4 **study**^#5"


If any academic framework worked, your teachers would be the richest people on the planet. However, you must read up on macro and micro economic factors and make an educated guess where the market(or stock) would be at the date of expiry. Subtract the Strike Price from your determined price and calculate your potential profit. Then, if you are getting paid more or less the same thing as of today, sell it and switch to a safer investment till expiry (For example:- Your potential profit was $10, but you are getting $9 as of today, you can sell it and earn interest(Safer investment) for the remaining time.) Its just like buying and selling stocks. You must set a target and must have a stop loss. Sell when you reach that target, and exit if you hit the stop loss. If you have none of these, you will always be confused(Personal experience).


Depending on the currencies you want to trade there are mini-futures available with a contract value of 12.500 (for example EUR/USD) or standard futures with a contract value of 125.000. You will find an overview at the Globex CME website For a broker to trade the futures I would recommend Interactive Brokers. They offer real-time trading at very low commission.


"So, think about it: if there were no supermarkets in French mall, will the malls be more busy?   And you just proved my point: if the French malls allowed bakeries, artisan food stores, fruit and vegetable stands, and typical ""street market"" stores, they will be totally full."


I think most financial planners or advisors would allocate zero to a gold-only fund. That's probably the mainstream view. Metals investments have a lot of issues, more elaboration here: What would be the signs of a bubble in silver? Also consider that metals (and commodities, despite a recent drop) are on a big run-up and lots of random people are saying they're the thing to get in on. Usually this is a sign that you might want to wait a bit or at least buy gradually.  The more mainstream way to go might be a commodities fund or all-asset fund. Some funds you could look at (just examples, not recommendations) might include several PIMCO funds including their commodity real return and all-asset; Hussman Strategic Total Return; diversified commodities index ETFs; stuff like that has a lot of the theoretical benefits of gold but isn't as dependent on gold specifically. Another idea for you might be international bonds (or stocks), if you feel US currency in particular is at risk. Oh, and REITs often come up as an inflation-resistant asset class. I personally use diversified funds rather than gold specifically, fwiw, mostly for the same reason I'd buy a fund instead of individual stocks. 10%-ish is probably about right to put into this kind of stuff, depending on your overall portfolio and goals. Pure commodities should probably be less than funds with some bonds, stocks, or REITs, because in principle commodities only track inflation over time, they don't make money. The only way you make money on them is rebalancing out of them some when there's a run up and back in when they're down. So a portfolio with mostly commodities would suck long term. Some people feel gold's virtue is tangibility rather than being a piece of paper, in an apocalypse-ish scenario, but if making that argument I think you need physical gold in your basement, not an ETF.  Plus I'd argue for guns, ammo, and food over gold in that scenario. :-)


Minimum wage laws accelerate automation and accelerate putting people out of jobs. I personally agree with them because they help prevent the dregs of society from even being able to get a stupid job at a price that people would pay them, thus making them avoid that given area (the high mininimum wage area). They then move to places where it's not illegal to hire them at a wage at which someone voluntary agrees to pay them.


Today's rate is 23.21 bps.  I'm going to list years forward, spot rate, forward rate.  1, 30.27, 61.77   2, 63.64, 155.73   3, 107.15, 228.04   4, 143.16, 266.31   5, 172.55, 290.12  These are bids, but mids are all within a basis point


While there have been plenty of good answers I would like to suggest turning it on it's head--the problem is one of perception. Other than in terms of cash-type emergency funds (my general policy is to have enough cash to get home, however far from there I might be) I consider available credit + assets that can be liquidated reasonably quickly to count as emergency fund money.


Unfortunately you can't use your HSA to pay for expenses in year A. Qualified medical expenses for an HSA must occur after the date the HSA account was established. (Established typically means the date the account was opened in your name.) The other answers already mostly answered your other questions, but I want to really hit home some particular points that many people may not realize: The most important thing to do when you are eligible to have an HSA account, is to open an HSA account ASAP. This is true even if you don't put any money in it and you leave it empty for years. The reason is that once the account is established, all qualified medical expenses that occur after that date are eligible for distributions, even if you wait years before you fund your HSA account. The second most important thing to do is to keep track of all out of pocket medical expenses you incur after you open the HSA account. All you need is a simple spreadsheet and a place to store your receipts. Once you have the account and are tracking expenses, now you can put money into your HSA and take it out whenever you'd like. (With limits- you can't put in more than the contribution limit for a single tax year, and you can't take out more than your eligible expenses to date.) Helpful Tip: Many people don't fund their HSA because they can't afford to set aside extra money to do so. Fortunately, you don't have to. For example, suppose you have some dental work and it costs you $500. Once you get the bill, before you pay it, put the $500 into your HSA account. The next day, take the $500 back out and pay your dental bill with it. Most HSA accounts will give you a debit card to make this even easier to pay the bill. By putting the money into your HSA for 1 day you just received a $500 tax deduction. Alternatively you can always pay out of pocket like you normally would, track your receipts, and wait until the end of the year (or up until April 15 of the next year). I like this option because I can pay all of my medical bills with a credit card and get cash back. Then at the end of the year, I add up the expenses, deposit that much into my HSA, and if I'd rather put that money somewhere else I just pull it out the next day. If you decide you don't need the money right away that's even better since you can leave it in the HSA account and invest it. Like a Roth account, you don't pay tax on the growth you achieve inside of an HSA. Another Tip: if your employer offers the service of automatically making deposits into your HSA by reducing your paycheck, you should definitely try to do that if you can afford it, rather than manually making contributions as I described in the previous tip. When your employer makes the contributions for you, your wages are reduced by that amount on your W2, so you end up saving an additional 7% in FICA taxes.


I'm the opposite. If I'm in a coffee shop I get way too distracted by everyone coming and going. I could never study in the library in college either. I need to be at my cubicle or in an office with my ear buds in...then I can crank out some work.


You can go to any Canada Post office and ask for their money-transfer services (they use a company called Money-gram). You can see more details here: http://www.canadapost.ca/cpo/mc/personal/productsservices/shop/moneygrams.jsf At least to send money to Brazil and other south-american countries, it's the cheapest service I've found, and it's very reliable.


I wouldn't give it a second thought. I'd get rid of the extra car and do everything I could in the following months to repay the emergency fund. Even without the interest payments, I'd consider getting rid of an unused car due to the very nature of a car being a depreciating asset that has insurance expenses and annual registration fees on top of that depreciation. The one exception to the above would be a classic car that was purchased for an investment that is always garaged and doesn't need to be registered for road use. I take it for granted that most people who can afford such investments don't need my advice about when to sell.


Join LinkedIn. Become a group member of your college alumni and any groups you find that relate to the field in which you are looking. Post a message on the group boards asking for help in giving you guidance/direction. Then do a search on the people in each group to see if anyone might be in the field of work in which you are interested - message them and ask them questions or see if they can direct you to someone who can help you.  Consider doing an internship, too. Foot in the door experience, plus you meet a lot of people.   Good luck!


The issue with your claim is that slavery is completely involuntary, whereas I can't think of many cases in which one inherits debt, or could come into it in any other way than signing up for it. When a consumer takes on debt, he/she is consciously making a decision to owe somebody money. The fact that they'll likely have to work (unless they win the lottery) to pay that money back is not slavery; it's following through on a commitment. If everyone was born with $100,000 (an arbitrary amount; it could be just $1), then I think you would have a better argument, albeit still flawed.


> lol  This univariate model-based inference is a good enough reason for further investigation. I would be interested in knowing how much of the recent returns of the S&P are being driven purely by the Fed bond purchase program, controlling for other macro-economic variables. The bond purchase program is not going to last forever.


Generally speaking, no they won't. In this case, though I haven't done it myself, I was recommended to put the mortgage on the real estate after it's been leased out and has a contract on it.  Then, yes, they will use it for that.  But, ex-ante don't expect any bank to count on income from it because, at that point, there's zero guarantee you'll get it leased, and even if you do, at what rate.


No he's talking literally about an nra ad. I linked it below, the video I link has a bunch of commentary I didn't watch but it's the only version I could find quickly on mobile. The ad is like 15 seconds in    https://youtu.be/mWhCb7Ajkfk


"The price of real estate reacts to both demand for property and the rate of inflation and rate of income growth. Mortgage rates generally move as treasury rates move. See this paragraph: As we mentioned, intermediate term bonds and long-term mortgages (more properly, Mortgage-Backed Securities, or MBS) compete for the same fixed-income investor dollar. Treasury issues are 100% guaranteed to be repaid, but mortgages are not; therefore mortgages carry more risk of default or early repayment, which could potentially disturb the return on the investment. Therefore, mortgage rates must be priced higher to compensate for that risk. But how much higher are mortgages priced? In a normal market, the average ""spread"" or markup above the 100% secured Treasury is about 170 basis points, or 1.7%. That markup -- the spread relationship -- widens and contracts with a range of market conditions, investor appetites and supply of available product -- as well as the presence of competing investment opportunities, like corporate bonds or domestic (or foreign) equity markets Source: What Moves Mortgage Rates? And when the stock market crashes, investors tend to run to bonds and treasuries, which causes prices to go up and treasury yields to drop. Theoretically, this would also cause mortgage rates to drop, although most mortgage rates have a base price below which they cannot fall. How easy is it to profit from recent stock market drops and at what frequency? Incredibly difficult. The issue with your strategy is that you cannot predict the bottom of the market (at least us mortals can't). Just take the month of August for example. Stocks fell something like 15%? After the first 5-10% drop, people felt that the bottom was there, so they rushed in, only to have the market fall even more.  How will you know when to invest? Even if the market falls by 50%, and there's a huge buying opportunity, and you increase the mortgage on your house, odds are your rates will increase because of the equity you take out. What if the market stays low for a very long time? Will you be able to maintain mortgage payments? Japan's stock bubble popped in the early 90's, and they've had two lost decade's now. Furthermore, there are issues of liquidity. What if you need more capital? Can you just sell a property or can you buy now property to draw equity against? What if the market is moving too fast for you to take advantage of. Don't ignore transaction costs and taxes either.  Overall, there are a lot of ways that your idea can go wrong, and not many ways it can go right."


"Many services are available to people who are wealthy enough to use private banks. The linked Wikipedia article says: ...banking services (deposit taking and payments), discretionary asset   management, brokerage, limited tax advisory services and some basic   concierge-type services, offered by a single designated relationship   manager. Having cash delivered to your door would come under ""basic concierge-type services""."


"All margin is marked to market. Option longs do not post margin because long margin trading is forbidden. Equity longs must post margin if cash is borrowed to fund the purchase. Shorts of all kinds must post margin, and the rates are generally the same: a few standard deviations away from the mean daily change of the underlying. A currency futures trader, because of the involatility of most major monies, can get away with a few percentage points.  Commodities can get to around 10%.  Single equities are frequently around 20%, while indices can get back down to 10%. A future is a special case because both sides are technically short and long at the same time.  The easiest example to perceive is a currency future.  Which one is the buyer and which is the seller?  Both and neither. Contracts may be denominated for one side as the seller and the other the buyer, but contractually, legally, and effectively, both are liable to the other, and both must take delivery.  For non-currency assets, it only appears as if the cash seller is the buyer because cash is not considered an asset in the same way all other assets are, but the ""long"" is obligated to sell cash and buy the ""asset""."


"At that sum, it essentially doesn't matter what you do, unless you just want to outright gamble the money.  Let's look at some options: ""High"" interest guaranteed savings.  A five year CD returns a sad 2% right now.  That means if you invest all $1,000 into a CD, by 2016 you will have earned $105.08 in interest.  Think about that:  About a hundred bucks over the next five years.  Of course, with 3% inflation, that $105.08 will be worth about $90.57.  In fact, the total amount will be worth $953.25.  Your ""doing something with your money"" did nothing. Stocks can return significantly more interest, but there is no guarantee.  Even if you made 20% year on year, you would only make maybe $1,500 in returns or so in the next 5 years, and 20% every year is like Warren Buffet territory--totally unrealistic.  That's also not taking into account inflation. And neither of these is taking into account taxes! However, if you go to a casino and gamble the $1,000, it is possible you could turn it into significantly more.  It's very much unlikely, and I do not advise it at all, but it's possible.   The point is, you need money to make money, and, in some sense, $1,000 is not money at all.  I recommend you work on your skills, knowledge, and preparation for making money in the future, and by 25 or so you can really be cooking with gas.  Don't waste your efforts trying to find a brilliant way to make a few hundred bucks over the next half decade.  Save the money and find ways to try to double it by earning money on small projects.  Then challenge yourself to double it again, and keep honing your skills."


When he says shitty, he means less likely to actually pay back the money.   If I have a company that's not doing well enough, and I have already issued $100,000 in bonds onto this market, and I want to pay back all my bond-holders, maybe I convince a near-bankrupt company to give me $100,000 of bonds in their company for $50,000 in goods. I then repay my bondholders with the $100,000 in shitty bonds.  Or maybe I give them $300,000 in goods and they give me $600,000 in their shitty bonds (since thier company is about to fall apart and they know I'll give them a kickback down the line). Then I pay back my 100k bonds with the new shitty bonds, and I go buy $500k worth of raw material for my company and pay for them using almost-bankrupt-company's shitty bonds .   Then I have no debt, $500k worth of raw material, the people I used to owe money to (AND my suppliers) now hold a total of $600k in shitty bonds, and then my friend's almost-bankrupt-company DOES go bankrupt.... and my suppliers and old lenders realize the paper I just gave them is worthless.


I don't know about India, but here in the US banks, and more friendly institutions such as credit unions, use to offer the option of a 'secured' credit card where the card was secured by placing a lock on money in a savings account equal to the credit limit on the card. So for example, if you had $1500 in savings, you could have them lock say $1000, which you would not be able to withdraw from savings, in return for a credit card account with a credit limit of $1000.  Typically you still earned interest on the full amount of the savings, you were just limited to having to maintain a minimum balance in that account of $1000.


It's weird that she can't do something uncomfortable to better her skills.  Strong religious belief system and intolerance of different beliefs are impeding her success. She'd probably benefit from a religiously affiliated college.  She'd also benefit from learning to MYOB and live and let live.


The trouble with Toyota is that they charge so much more money for the same quality you can get elsewhere from cars that aren't total snoozefests.  They *were* a top quality brand leader, but now they're just one of the pack; yet they continue to price like Toyota means something extra special.


"This is the best tl;dr I could make, [original](http://www.uslifeinsurance.ml/2017/07/chinese-solar-industry-making-25.html) reduced by 74%. (I'm a bot) ***** > China&#039;s solar industry is expected to produce 25 percent more panels in 2017 than last year, supported by domestic sales and demand from the United States and emerging markets, the head of a Chinese industry association said.  > China was expected to produce solar panels with a combined capacity of 60 gigawatts this year, said Wang Bohua, secretary general of China&#039;s photovoltaic industry association.  > Environment group Greenpeace said solar curtailment rates across China rose 50 percent in 2015 and 2016, with more than 30 percent of available power in northwestern province Gansu and Xinjiang failing to reach the grid.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6orer4/chinese_solar_industry_making_25_percent_more/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~172582 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*: **China**^#1 **industry**^#2 **solar**^#3 **produce**^#4 **Wang**^#5"


"Historically that 'divide by 1000' rule of thumb is what many people in Australia have thought of as normal, and yes, it's about a 5.2% gross yield.  Net of expenses, perhaps 3-4%, without allowing for interest. If you're comparing this to shares, I think the right comparison is to the dividend yield, not to the overall PE.  A dividend yield of about 3-5% is also about typical: if you look at the Vanguard Index Australian Shares Fund as a proxy for the ASX the yield last year was about 4%. Obviously a 4% return is not very competitive with a term deposit.  But with both shares and housing you can hope for some capital growth in addition to the income yield.  If you get 4% rental yield plus 5% growth it is more attractive. Is it ""good"" to buy at what people have historically thought was ""normal""?  Perhaps you are better off looking around, or sitting out, until you find a much better price than normal. ""Is 5% actually historically normal?"" deserves a longer answer."


Recovering after a card number has been stolen is a nuisance; you need to wade through determining which charges are and aren't legit, update the records of anyone who legitimately has your card on file, not have the card available until the replacement reaches you,  etc. And you may be on the hook for the first $50 of the loss, if I remember correctly, unless (as mentioned) the bank waives that. Plus the risk that the card could be the first step in a larger identity theft attempt. And not everyone is so blase' about the bank losing money. Those costs get passed on to us, remember. And some of us actually respect our banks or credit unions. Certainly cards come with some consumer protection, otherwise nobody who thought about this would want to use them. But it's still worth exercising reasonable care to keep the problem from arising.


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Mmm, well if that's the argument, then I can't sign onto that... it's certainly not the case that *anyone* can do *anything* but for circumstance; that's a pretty vapid statement. But were there 5,000 people out there that were doing the same thing at the same time as Mark Zuckerberg? Even at Harvard there were dozens; I knew some of them.  That's an extreme example, but the operating principle is the same. Michael Lewis' speech here treads the line carefully and well IMHO.


"I would suggest the following rationale : This appears to be a most unsatisfactory state of affairs, however, you can bet that this is how things are handled. As to who receives the dividend you have payed, this will be whoever the counter-party (or counter-parties) are that were assigned the exercise. EDIT Looking at the Dec16 SPY options, we see that the expiry date is 23 Dec.  Therefore, your options have been exercised prior to expiry.  The 3AM time stamp is probably due to the ""overnight batch processing"" of your brokers computer system.  The party exercising the options will have chosen to exercise on the day prior to ex-dividend in order to receive the dividends."


@Dilip Sarwate mentioned tenants in common in a comment. This appears to be in fact the answer I required. I found a friendly article on it here: http://www.thisismoney.co.uk/money/news/article-1594984/Tenants-common.html. This appears to allow me to have a percentage based amount of the property, e.g. £100k deposit, plus half of remainder (130k halved) means I own £165k on the initial £230k value of the property, i.e. 71.7% of the property. I will be asking the conveyancing solicitor if they are able to enact this.


Hopefully, before you invested in this stock, you evaluated the company.  You looked at the financial information about the company and where the company was headed, and evaluated whether the stock was undervalued or overvalued.  Hopefully, you determined that the stock was undervalued at the time you bought it. The thing to do now is to reevaluate the stock.  Do you think the stock is overvalued or undervalued right now?  If you didn't own it, would you buy it today?  Instead of looking at the past performance of the stock, you want to try to determine which direction the stock will go from today.  If you wouldn't buy it today at it's current price, then you should sell. If you have no idea how to do this evaluation, neither do I.  For me, with the investing knowledge I have right now, investing in an individual stock would be way too risky.  If you don't know how to evaluate a stock and determine if it is a good buy or not, then you should stay away from individual stocks and instead invest in stock mutual funds, which lower the risk by diversifying over lots of stocks.


Do you withdraw cash from your credit card? That is called a cash advance, and interest is usually started from the day you withdraw it.


Completely depends on the business.  Apple and Amazon - I agree.  Millions of other companies - maybe not so much.  In many companies your customer tell you what they want and the CEO is far more valuable for maintaining relations, building teams, getting financing, eradicating inefficiencies, etc.


My cringe worthy writing was because you thought I didn't know what I was talking about then I had to let you know since I guess you thought you knew the truth. I know I'm right I'm pretty sure a lot of people know what I know and they are successful during this generation just like myself. You can keep asking question about what I say but the only answer you will get is a thank you from me because the more you ask dumb questions the more my portfolio looks that much good because you don't know anything and probably make dumb investments.


Generally speaking, having more institutional investors is a good sign. Of course there are many types of institutions.  Normally we are thinking of mutual funds, pension funds, endowments, and hedge funds.  They may not all have the same implications.  Hedge funds, in particular, are out to make a buck with very little restriction on how they do it.  They may buy an undervalued stock and then use their voting power to improve the company or they may do something more questionable, like pump up the stock price and then sell at the high, causing volatility.  The people you are referring to may be thinking of something like the latter. Those concerns are generally small when compared with the known positives of institutional ownership.


I'm sure what you are saying may be true in some cases but there is no proof that the developers of the game mentioned in this article did that.  I have played video games in the past (Zelda, Resident Evil, Silent Hill) and they all took quite a bit of time to get through.  I dont think there would have been anything insidious about having the option to pay a couple dollars extra to get through the game quicker.  In fact, I know of people who in the past have PAID third parties for cheat codes in order to get through the game a little quicker (this was well before we all took to the internet en masse).  It seems fair to have that option still and to pay the game developer for it.


"Similar story.  I was in the market for an electric smoker.  By sheer luck, the exact unit I wanted went on a very good sale at Lowe's.  I checked online to see if the nearest Lowe's had any in stock.  The system showed only one in stock, and I knew it would go fast at that price, so I immediately ordered it for in-store pickup.  Several hours later, I still hadn't gotten the ""your pickup is ready"" email, so I called the 1-800 customer service line, and was basically told that it should be ready but that the stores often didn't do what needed to be done to trigger the final email.  I drove over to Lowe's, took my printed order confirmation in to the service desk, and was met with three staff members who acted like they had never heard of an online order before.  They discussed things amongst themselves, then engaged a manager, who was similarly flummoxed.  After 20 minutes of runaround, I was getting pretty agitated, and finally just walked over to the grill/smoker area, found the smoker, still on the shelf, took it back to the desk and told them that I was leaving.  They seemed OK with that.    I asked if they needed to check my printout, or scan the box, or get me a receipt, and they all agreed that they did not.  I walked out with no receipt, no proof of purchase (having given my printout to them earlier), and carrying merchandise that I picked myself, and they all seemed pretty happy that it had turned out that way.  Good fucking luck, Lowe's.  With service like that, you'll need it."


If your take-home salary after taxes etc is 35K / year, and you say you will be able to save at most 40% of that, you will need to find something that pays 2.75% to reach one million in 40 years*. However, these numbers can chance dramatically depending on your specific circumstances. If you're just starting your career, 40 years of saving is not impossible. If you're in the middle or nearing the end, you will have dramatically less time to achieve your goals. *40% of 35000 is 14000 saved per year, at an interest of 2.75% compounded annually, you will reach 1000000 after roughly 40 years.


"> it's because most taxpayers don't vote, but all government employees do vote.  That's not the problem.  The problem is that unions can make political contributions.  The employees are forced to make union contributions and the union then has a pot of money to influence the legislators.  Look up how the prison guards union supported ""get tough on crime"" laws, which led to more people in prison, which led to more prison guards, which led to more money for the union to spend on ""get tough on crime"" laws."


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FYI: This article is rife with errors/omissions/bends, including, but not limited to:  * The date/time when these restaurants closed * the implied reason for their closing (consumer taste had little to do with it) * The idea that Evo Morales had anything to do with the shutdown of 8 restaurants  This article is a bit amateurish and clearly contains an alarmist agenda.  Nothing to see here.


Limit books are managed by exchanges. If an order is not immediately filled, it is sent to the book.  From there, orders are generally executed on price-time-priority.  The one major exception is the precedence hide-not-slide orders have over earlier placed visible slidden limit orders since unslidden orders are treated like a modification/cancellation. To an exchange, a modification is the same as a cancellation since it charges no fees for placing or canceling orders, only for trades.  The timestamp is reset, and price-time-priority is applied in the same way, so if a modified order isn't immediately filled, it is sent back to the book to be filled in order of price-time-priority.


I tried it, and it was awful-- essentially thickened sour cream with a flavorless pimento blend mixed in.  Focus testing aside, if you introduce Queso to a test restaurant, and it's not immediately one of the most popular things on the menu, you should know you have something wrong. It's as if they never had anyone compare it to a proper Mexican restaurant or one of their direct competitors.


On the face, this appears a sound method to manage long run cumulative interest, but there are some caveats. Maxing out credit cards will destroy your credit rating.  You will receive no more reasonable offers for credit, only shady ones.  Though your credit rating will rise the moment you bring the balance back down to 10%, even with high income, it's easy to overshoot the 8 months, and then a high interest rate kicks in because of the low credit rating. Further, maxing out credit cards will encourage credit card lenders to begin cutting limits and at worse demand early payment. Now, after month 6 hits, your financial payment obligations skyrocket.  A sudden jolt is never easy to manage.  This will increase risk of missing a payment, a disaster for such hair line financing. In short, the probability of decimating your financial structure is high for very little benefit. If you are confident that you can pay off $4,000 in 8 months then simply apply those payments to the student loan directly, cutting out the middle man.  Your creditors will be pleased to see your total liabilities fall at a high rate while your utilization remains small, encouraging them to offer you more credit and lower rates. The ideal credit card utilization rate is 10%, so it would be wise to use that portion to repay the student loans. Building up credit will allow you to use the credit as an auxiliary cushion when financial disaster strikes.  Keeping an excellent credit rating will allow you to finance the largest home possible for your money.  Every percentage point of mortgage interest can mean the difference between a million USD home and a $750,000 one.


First off... If you provide good service than you shouldn't worry... Since you are providing a service and your customers send payment to your PayPal, if there is no dispute made within 90 days, the customer cannot dispute further.  However if it is disputed within 90 days than you may run into some trouble. But it may be in your favor if PayPal finds no signs of fraud and since it's a service payment, PayPal cannot really track it compared to if your customers paid you for a product which can be disputed up to 180 Days?? I may be wrong on that one.  However if it does get disputed and PayPal favors your clients than you have to pay it back one way or another. You may want to ask your customers or put yourself a description of the service and terms in the invoice. It may help resolve future disputes. I know this because I have called PayPal customer service and ask which I suggest you do too.


"This is the best tl;dr I could make, [original](http://www.sbeconomic.com/single-post/2017/06/09/What-The-UK-Election-Means-for-Brexit-Hard-Brexit-is-Dead) reduced by 88%. (I'm a bot) ***** > Leading up to her appointment as PM in the leadership election following David Cameron&#039;s resignation, May&#039;s campaign slogan even became &quot;Brexit means Brexit,&quot; as a way to affirm her commitment to the United Kingdom&#039;s hard exit from the Union.  > Even before the election, a hard Brexit would come at an immense cost, and with the decreasing negotiating power from the U.K. following the election, it will be near impossible.  > Supporters of a hard Brexit ought to be weary; the end of a hard Brexit draws nigh.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6gc3pg/what_the_uk_election_means_for_brexit_hard_brexit/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~140561 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*: **Brexit**^#1 **hard**^#2 **Party**^#3 **election**^#4 **DUP**^#5"


I wonder if there are times (like when BofA bought Merrill) when it might be alright to not disclose everything right away.  Particularly if what needs to be disclosed are losses and the government has told you that they'd cover them.


short answer: no, not to my knowledge  long answer: why do you want to do that? crypto are very volatile and, in my opinion, if you are looking for a speculative exercise, you are better off seeking to understand basic technical analysis and trading stocks based on that


Net worth is interesting as it can have a different number assigned depending on your intent.  The number I focus on is my total retirement account and any brokerage account. I purposely exclude the value of my house.* This tells me how much I'm able to invest. My heir would look at it a bit differently. She'd have the cash not only from the house, but from every bit of our possessions that can be sold. For my own purposes, knowing I have a piece of art that might sell for $xxx doesn't mean much, except for insurance purposes. In your case, if the coins are gold, and held for investment, count them. If they were your grandfather's and you plan to leave them to your own grandkids, I'd leave them out.  * I make this point for two reasons - as someone with an eye toward retirement, the house doesn't get included in the 4% return math that I apply to the retirement and stock accounts. Also, in our situation, even when we downsize at retirement, the move isn't likely to pull much cash out of the house, it will be a lateral move. For those who plan to move from a McMansion in the suburbs of NY or Boston to a modest home in a lower cost of living elsewhere, that difference may be very important, and should be taken into account. This is simply how we handle this.


Are you daft?? In most US cities it’s **illegal** to run a private bus/mass-transit business. However, here’s two examples if it will get you to STFU:  https://www.theatlantic.com/china/archive/2013/09/the-unique-genius-of-hong-kongs-public-transportation-system/279528/  https://thedetroitbus.com  http://www.mercurynews.com/2017/06/28/google-buses-corporate-shuttles-popular-poll/   Notice how Google and other companies that use buses for employees have to do it at no cost, because governments made it **illegal** for them to charge money for mass-transit services.


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I don't see why not. Not everyone is going to be in a major sound stage, but look at people like That Guy With The Glasses group and some others. They're not rolling in dough, but some of them who are entertaining enough are getting a living off of what they do.  All this really does is eliminate a middle man and put creators in more control, without the need for all the dollars. CK is an established talent, so he could afford to put in higher production values for a product. Another budding standup artist might only be able to do their garage and a camera, and charge maybe $0.50 - but if people like it enough, they'll be able to build up without the expense/hassle/control of a major label.


Employer match doesn't incur FICA tax (social security, medicare) for you at all - either current year or when you withdraw. All you have to pay is income tax when you withdraw after retirement age. (Disclaimer - I'm not tax professional but has done my research)


"All public US equity exchanges are closed on the 9 US trading holidays (see below) and open on all other days.  Exchanges also close early (13:00 ET) on the Friday after Thanksgiving and on the day before Independence Day if Independence Day is being observed on a Tuesday, Wednesday, Thursday, or Friday.  (Some venues have extended trading hours as a matter of course; for them an ""early close"" might be later than 13:00 ET.) To answer the second question, yes, if you know NASDAQ's or AMEX's holiday schedule, then you know NYSE's (modulo the timing of their early close).  I'm not sure about the options exchanges; they're not regulated the same way and are a good example of exchanges with extended trading hours in the first place. The US trading holidays are as follows.  Note that trading holidays are not the same as federal or bank holidays, which include Columbus Day and Veterans Day but do not include Good Friday."


Different regional offices, different employee culture.   I've never had a UPS package arrive with more than a bump on it. On the other hand, the USPS once delivered me a package (that I sent myself, so I know what was in it) with half the contents missing and replaced with somebody else's crap.


Agreed my friend, and the UK is the country that is the furthest away from the European reality. You have schools charging 1 to 8k for a full years tuition.   I know a case of someone having to sell his home to afford a top MBA in Europe (obviously it paid off), which goes to show how hard for europeans it is to afford US prices for education, meanwhile in the US they just hand it over to you. The problem comes when the Navients of the world come knocking on your door and you can't even save a penny


LLC is not a federal tax designation.  It's a state-level organization. Your LLC can elect to be treated as a partnership, a disregarded entity (i.e., just report the taxes in your individual income tax), or as an S-Corp for federal tax purposes. If you have elected S-Corp, I expect that all the S-Corp rules will apply, as well as any state-level LLC rules that may apply.   Disclaimer: I'm not 100% familiar with S-corp rules, so I can't evaluate whether the statements you made about proportional payouts are correct.


Unless you bought at $386.99, there are almost no time scales where you haven't already made a huge mistake.  It's up 6% this month, 70% YTD, and over 1000% over fives years.  You are already regretting not holding, you just refuse to admit it.


Forget about terms.  Think about loans in terms of months.  To simplify things, let's consider a $1000 loan with .3% interest per month.   This looks like a ten month term, but it's equally reasonable to think about it on a month-to-month basis.  In the first month, you borrowed $1000 and accrued $3 interest.  With the $102 payment, that leaves $901 which you borrow for another month.  So on and so forth.   The payoff after five payments would by $503.54 ($502.03 principal plus $1.51 interest).  You'd save $2.99 in interest after paying $13.54.  The reason why most of the interest was already paid is that you already did most of the borrowing.  You borrowed $502.03 for six months and about $100 each for five, four, three, two, and one month.  So you borrowed about $4500 months (you borrowed $1000 for the first month, $901 for the second month, etc.).  The total for a ten month $1000 loan is about $5500 months of borrowing.  So you've done 9/11 of the borrowing.  It's unsurprising that you've paid about 9/11 of the interest.   If you did this as a six month loan instead, then the payments look different.  Say  You borrow $1000 for one month.  Then 834 for one month.  So on and so forth.  Adding that together, you get about $168.50 * 21 or $3538.50 months borrowed.  Since you only borrow about 7/9 as much, you should pay 7/9 the interest.  And if we adding things up, we get $10.54 in interest, about 7/9 of $13.54.   That's how I would expect your mortgage to work in the United States (and I'd expect it to be similar elsewhere).  Mortgages are pretty straight-jacketed by federal and state regulations.   I too once had a car loan that claimed that early payment didn't matter.  But to get rid of the loan, I made extra payments.  And they ended up crediting me with an early release.  In fact, they rebated part of my last payment.  I saved several hundred dollars through the early release.  Perhaps your loan did not work the same way.  Perhaps it did.  But in any case, mortgages don't generally work like you describe.


Since 2008, when it all came crashing down, I read a variety of solid data sources that said this asset bubble and mortgage/HELOCs were going to reset (blow up) in slow motion for years, maybe decades. Nothing changed from that time. This has been happening for hundreds of years from what I understand now.


"When you do this, you might be involved in online banking fraud - and you will be both perpetrator and victim! Hacking some online banking users is easy. There is a flourishing black market where any wannabe hacker can buy a banking trojan. Then the hacker just has to infect some random computers with said virus (through email spam, drive-by downloads exploiting a browser vulnerability, upload it concealed as other software on a piracy website, etc., etc.)  and it will trick the user into sending money to accounts they don't want to send money to.  However, what's not so easy for the hacker is holding on to the money, because sooner or later the victim will notice. In case of online banking fraud, the bank is usually legally required to pay back the money the customer lost. Banks will usually reverse the transaction when the customer reports that they were hacked. So what do the criminals do? They hire some gullible fools out for easy money as ""Mules"". The job they offer: ""We send money to your private account, you send it to another account we specify, minus your commission"". What happens next?  So the actual victim in this scheme is the mule."


You can report the violation to the payment network (i.e., Mastercard or Visa).  For instance here is a report form for Visa and here is one for MasterCard.  I just found those by googling; there are no doubt other ways of contacting the companies. Needless to say, you shouldn't expect that this will result in an immediate hammer of justice being brought down on the merchant.  Given the presence of large-scale fraud schemes, it's unlikely Visa is going to come after every little corner store owner who charges a naughty 50-cent surcharge.  It is also unlikely that threatening to do this will scare the merchant enough to get them to drop the fee on your individual transaction.  (Many times the cashier will be someone who has no idea how the process actually works, and won't even understand the threat.)  However, this is the real solution in that it allows the payment networks to track these violations, and (at least in theory) they could come after the merchant if they notice a lot of violations.


"It means that at the end of each month, the APY, divided by 365 (366 for leap years) is multiplied by your account's ending balance on each day of that month, then those interest amounts are summed up and paid out. It's exactly equivalent to the ""Average Daily Balance"" method; at the end of each month, the balance of your account on each day is summed, divided by the number of days in the month, then that number is multiplied by the APY / 365 * (number of days in the month). If you write out all these terms and simplify, you'll find the two boil down to exactly the same calculation being performed in different order (possibly with differing potential for rounding error). The only difference between them is whether the daily interest percentage is distributed to each daily balance or applied to the sum, and whether there's an additional redundant pair of steps of dividing and then multiplying by the number of days in the month."


I would always recommend the intelligent investor by Benjamin Graham the mentor of warren buffet once you have a basic knowledge ie what is a share bond guilt etc  In terms of pure investment the UK is fairly similar the major difference is the simpler tax structure, ISA allowance and the more generous CGT regime.


I get the feeling the value of reddit is not presented as something that makes profit, but rather an entity that can shape public opinion. In that way it is extremely valuable. The fact that mods are clearly paid by someone yet not officially employed by Reddit is a huge red flag that money is flowing, just not in the traditional ways.


The values of 12, 26 and 9 are the typical industry standard setting used with the MACD, however other values can be substituted depending on your trading style and goals. The 26d EMA is considered the long moving average when in this case it is compared to the shorter 12d EMA. If you used a 5d EMA and a 10d EMA then the 10d EMA would be considered the long MA. It is based on what you are comparing it with. Apart from providing signals for a reversal in trend, MACD can also be used as an early indication to a possible end to a trend. What you look out for is divergence between the price and the MACD. See chart below of an example:  Here I have used 10d & 3d EMAs and 1 for the signal (as I did not want the signal to show up). I am simply using the MACD as a momentum indicator - which work by providing higher highs in the MACD with higher highs in price. This shows that the momentum in the trend is good so the trend should continue. However the last high in price is not met with a higher high in the MACD. The green lines demonstrate bearish divergence between price and the MACD, which is an indication that the momentum of the trend is slowing down. This could provide forewarning that the trend may be about to end and to take caution - i.e. not a good time to be buying this stock or if you already own it you may want to tighten up your stop loss.


Putting your money in the same account as a parent could cause many problems, with very few benefits. One of you would have to claim the dividends and capital gains that the fund might earn during the year. That person might have to pay taxes on those earnings. You would have to find some way of figuring out how to split the costs, and somebody would have to reimburse the other. If one person wanted to sell, figuring out which shares to sell would be much more complex. If these are retirement accounts, which have maximum limits based on income, and the use of other retirement accounts, there is no way to co-mingle the funds. Even if it was possible to combine the funds, the reality is that two people decades apart have different investment goals, and risk tolerances, so the types of investments that a great for one, are very poor for the other. The only benefit is that an existing account would already have more than the minimum investment, so some investments would be easier to make. Also some investments have lower fees if you meet specific investment thresholds. If the fund increases in value by 10% in a year, it doesn't make a difference if the value at the start of the year was 10K or 100K. The rate is the same. The benefits are minor and few; the drawbacks are many; and some situations make it impossible to co-mingle the funds.


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He is also going to make sure Uber provides 1099s right?  Also report values under $600 to the IRS?  He is also going to make sure all of his drivers have insurance that cover their taxi service right (standard automotive insurance won't cover you for this)? Uber, Lyft, airbnb, taskrabbit gigwalk, etc are like pyramid schemes.  They tell you how to make money, convince you to make transactions, which they take a percentage of.  However, they conveniently don't tell you about the correct regulations, taxes, laws, etc that end up netting you very little at the end of the year.


What exactly does consumer relief mean? In my mind it means they are going to write off loans/debt/fees/payments they have no chance of collecting. Relief also does not even come close to repairing the damage caused to families pushed into fraudulent loans.


"Most banks will not allow you to use online bill pay with a savings account as the funding source; rather, instead it must be funded from either a checking or money market account. The reason for this is that checks can typically be written from a money market account but not from a savings account. Update: I was having trouble wrapping my head around what the check would look like when the ""pay from account"" is an external bank, so I just called Bank of America and asked them. Basically, they do an ACH Withdrawal from your external bank account and route the money directly to the payee electronically. This means that your BofA account isn't touched and it won't show up on your BofA statement (but you can see it in the online bill pay history, and on your external bank's statement.) If the payee cannot be paid electronically, than you cannot use an external funding source. In other words, if a physical check is going to be sent, then it must have a BofA account as its funding source. Even though the ACH withdrawal should technically be allowed from a savings account, I suspect that this is forbidden since the intended purpose of the ACH is actually to streamline the writing of a check."


Non-cooperative game theory is where none of the participants work together.  That, and the exploration of non-cooperative outcomes.  I am a computer programmer, and one of my first projects was based on Game Theory (aside from the Prisoner’s Dilemma, which everyone has to do), and using basic rules to get AI to learn to accomplish goals.  The Game Theory aspect was in the logic for how the AI chooses what to learn and what to discard.  What about non-cooperative game theory do you wish to educate me on?


"Any business, like any household, has items that are wasted. Unlike a household, a business does keep track of all items that are unsellable. Depending on the reason for the item being unsellable they are accounted for differently. Items that can be returned to the manufacturer are done so, and the business is given credit for that item. For the business the time spent processing, stocking and restocking that item, plus any time spent handling a return for that customer is harder to track. If they see the percentage of bad items is too large compared to sales they will want to address this with the manufacturer. Items that are spoiled by the business, which will include spoiled food items, will also be tracked. They will examine their choice of products, their procedures for those products and the quantities produced to try an minimize the spoilage. They don't just throw the items away, they keep track of the exact items and their worth. When they have to dispose of meat that has reached their ""sell by"" date they will actually scan the items into the computer.  In some cases products can be transformed into other products: bread into bread pudding; in other situations they are ""reduced for quick sale""; in other cases they are donated to a charity or food kitchen. All of this is also tracked. Of course any losses that the company can't recover by returning items to manufactures or repurposing will be reflected in the price of their items. Stores that can minimize their waste can offer lower prices."


>>only about ten years ago that a typical coke machine took coins and charged about 50 cents  >I remember 10 years ago that a Coke cost a dollar.  I'm pretty sure he's talking about cans, and you're talking about 20 oz bottles. I remember cans being 50 cents, and bottles being 90 cents.


Last I checked, software authoring was pretty lucrative. Are you specifically looking to do some non-software work? The two things you mention are among the unskilled work o go after, but with some effort you might be able to use your skills to pick up other work. As a blogger, I've needed help with PHP and the blogging tools, the rate for help was $50/hr. Snow is too seasonal, but the walking surely doesn't pay that much, or does it?


I cannot speak specifically to the Netherlands or the UK specifically, but my prejudice has me believing that there would be more consumer protection in those two countries than that we have here in the the US, certainly not less. Debt collectors mostly do their job by bullying.  Here in the US they are mostly toothless and typically obtain payments when they invoke an emotional reaction.  In your case they are attempting to invoke fear.  Legal action over €400?  Get real.  It will cost them 20 times that to bring action, and they are equally likely to get a sympathetic judge to toss out the case. Now you very well know you should have returned the box, please don't be coy.  If you still have it, you should attempt to return it.  If not you should attempt to settle.  Offer them €80, going no higher than €160.  Get it in writing, that this satisfies the debt and use either a one time use credit card or a bank check/money order.


Is it sensible to keep savings in a foreign currency? The answer varies from one country to the next, but in the UK (or any other mature economy), I would advise against it. There are better ways to hedge against currency risks with the funds readily available to you through your ISA. You can keep your money relatively safe and liquid without ever paying a currency exchange fee.


So have we all agreed finally that climate change, while happening.. Is a totally normal process and not something we can 'fix' with money or new taxes?   No?  Hmm.   Read a short history of nearly everything.  The earth goes through glacial periods and non glacial periods. The SUN has seasons that last about 11 years. We just went through a hot season. We're going into a cold season (as far as the sun is concerned).   Really. Climate change is happening, but it's normal. Really.


10-Q is the quarterly report, and accordingly is filed quarterly. Similarly, 10-K is the annual report. 8-K is a general form for notification of material events. It is filed every time a material event is required to be reported to the shareholders. It may accompany the periodical reports, but doesn't have to. It can be filed on its own. If you're only interested in the financial statements, then you should be looking for the 10K/10Q forms. SEC will tell you when the forms were filed (dates), but it won't tell you what's more material and what's less. So you can plot a stock price graph on these dates, and see what was deemed more material by the investors based on the price fluctuations, but be prepared to find fluctuations that have no correlation to filings - because the market as a whole can drag the stock up or down. Also, some events may not be required to be reported to SEC, but may be deemed material by the investors. For example, a Cupertino town hall meeting discussing the zoning for the new AAPL HQ building may be deemed material by the investors, based on the sentiments, even if no decision was made to be reported to SEC.


Assuming you were immersed in math with your CS degree, the book **'A Non-Random Walk Down Wall Street' by Andrew Lo** is a very interesting book about the random walk hypothesis and it's application to financial markets and how efficient markets might not necessarily imply complete randomness.    Lots of higher level concepts in the book but it's an interesting topic if you are trying to branch out into the quant world.  The book isn't very specific towards algorithmic trading but it's good for concept and ideas.  Especially for general finance, that will give you a good run down about markets and the way we tackle modern finance.    **A Random Walk Down Wall Street** (which the book above is named after) by **Burton Malkiel** is also supposed to be a good read and many have suggested reading it before the one I listed above, but there really isn't a need to do so.    For investing specifically, many mention **'The Intelligent Investor' by Benjamin Graham** who is the role model for the infamous Warren Buffet.  It's an older book and really dry and I think kind of out dated but mostly still relevant.  It's more specifically about individual trading rather than markets as a whole or general markets.  It sounds like you want to learn more about markets and finance rather than simply trading or buying stocks.  So I'd stick to the Andrew Lo book first.    ---  Also, since you might not know, it would be a good idea to understand the capital asset pricing model, free cash flow models, and maybe some dividend discount models, the last of which isn't so much relevant but good foundations for your finance knowledge.  They are models using various financial concepts (TVM is almost used in every case) and utilizing them in various ways to model certain concepts.  You'd most likely be immersed in many of these topics by reading a math-oriented Finance book.  Try to stay away from those penny stock trading books, I don't think I need to tell a math major (who is probably much smarter than I am) that you don't need to be engaging in penny stocks, but do your DD and come to a conclusion yourself if you'd like.  I'm not sure what career path you're trying to go down (personal trading, quant firm analyst, regular analyst, etc etc) but it sounds like you have the credentials to be doing quant trading.    ---  Check out www.quantopian.com.  It's a website with a python engine that has all the necessary libraries installed into the website which means you don't have to go through the trouble yourself (and yes, it is fucking trouble--you need a very outdated OS to run one of the libraries).  It has a lot of resources to get into algorithmic trading and you can begin coding immediately.  You'd need to learn a little bit of python to get into this but most of it will be using matplotlib, pandas, or some other library and its own personal syntax. Learning about alpha factors and the Pipeline API is also moderately difficult to get down but entirely possible within a short amount of dedicated time.     Also, if you want to get into algorithmic trading, check out Sentdex on youtube.  He's a python programmer who does a lot of videos on this very topic and has his own tool on quantopian called 'Sentiment Analyzer' (or something like that) which basically quantifies sentiment around any given security using web scrapers to scrape various news and media outlets.  Crazy cool stuff being developed over there and if you're good, you can even be partnered with investors at quantopian and share in profits.    You can also deploy your algorithms through the website onto various trading platforms such as Robinhood and another broker and run your algorithms yourself.    Lots of cool stuff being developed in the finance sector right now.  Modern corporate finance and investment knowledge is built on quite old theorems and insights so expect a lot of things to change in today's world.  ---  With a math degree, finance should be like algebra I back in the day.  You just gotta get familiar with all of the different rules and ideas and concepts.  There isn't that much difficult math until you begin getting into higher level finance and theory, which mostly deals with statistics anyways like covariance and regression and other statistic-related concepts.  Any other math is simple arithmetic.


The short answer is no - the CGT discount is only applied against your net capital gain. So your net capital gain would be: $25,000 - $5,000 = $20,000 Your CGT discount is $10,000 You will then pay CGT on $10,000 Of course you could sell ABC in this financial year and sell DEF next financial year.  If you had no other share activities next financial year than that net capital loss can be carried forward to a future year. In that case your net capital gain this year would be $25,000 Your CGT discount is $12,500 You will then pay CGT on $12,500 Next year if oyu sell DEF, you'll have a $5000 net capital loss which you can carry forward to a future year as an offset against capital gains. Reference: https://www.ato.gov.au/General/Capital-gains-tax/Working-out-your-capital-gain-or-loss/Working-out-your-net-capital-gain-or-loss/


Nuestro sitio http://curavena.com Los departamentos de salud estatales y locales, los funcionarios de salud, las enfermeras y los doctores especialmente lista de médicos de inmigración se les pide que tengan cuidado al tratar con individuos de comunidades inmigrantes. Una detección temprana puede ayudar a tratar la propagación de la enfermedad. Esta es una de las principales razones por las que la TB check-up es la primera cosa que se hace en el examen médico de inmigración.  Google map - https://plus.google.com/115301954348379377536 Más Vídeo : http://www.dailymotion.com/video/x5oem19_lista-de-medicos-de-inmigracion_lifestyle


You may also want to consider short term, low risk investments. Rolling Certificate of Deposits can be good for this. They don't grow like an Index Fund but there's 0 risk and they will grow faster than your bank. For my bank as an example today's rates on my Money Market is 0.10% APY while the lowest CD (90 days) is 0.20% APY with a 5 year going up to 0.90% APY. It's not substantial by any stretch but its secure and the money would just be sitting in my bank otherwise. For more information look at: What is CD laddering and what are its pros and cons?


Decades of research has shown that smoking has no beneficial effects and has many detrimental ones, some quite serious.  So why does anyone still smoke? Decades of research has shown that wearing a seatbelt greatly reduces your likelihood of dying in a car accident.  So why do some people still not wear them? Many individuals have learned over time that scratching a persistent itch (like poison oak) will provide only temporary relief, ultimately making the itch worse and perhaps even causing bleeding or further damage.  So why do people still scratch these itches? The answer to these is the same as the answer to your question: people are fallible.  People are often foolish, weak-willed, or simply unaware of relevant information that would help them make the best choice, even if they knew what it was.  People do not always do what is best for them.


Mr. Raphael Lilla’s past work experience involves his role as the Chief Executive Officer at Banque Cramer & Cie SA, a renowned Private Investment Bank. He is currently operating as the Executive Director of Swiss Bullion Corp, Geneva, Switzerland.


use all cash I have This is a horrible idea. Any problem requiring money will turn into a really big problem. For example any bigger problem with newly bought 2 room flat (emergency repair, damage by renter) will both reduce income and be impossible to fix until some money is secured. Whatever contribution higher than minimal depends on many factors (risks, alternative sources of money, loan conditions etc). But spending all cash and living paycheck to paycheck is unlikely to be worth it. it can be assumed, that I will always be able to find someone to rent my flats This is a very optimistic assumption.


Almost any financial institution has the technical ability to do this (simply called sweeps, auto sweeps, or deposit sweeps); the issue you face is finding an institution that is willing to do it for you.  I think you will have the most luck at your primary financial institution where you currently keep the majority of your banking relationship.  You will have better luck at small-town banks and credit unions.  The mega banks will likely not waver from their established policies. Deposit sweeps are common for business accounts.  They are usually tied to a savings account, which is usually held within the same institution, however this is not a requirement.  The sweep can send money to any US bank if you can provide the routing number and account number.  The sweep will establish a peg balance, or floor balance, on the checking account.  At the end of the day, any amount above the peg is swept into the savings account automatically. I doubt you will find what you’re asking for within an online banking system.  You will likely have to go into a branch and speak with a personal banker.  Explain to them you want to establish a sweep on your checking account and want to send the funds to another financial institution.  You will have better luck asking for a peg of $100, or some other small amount.  They may not take your request seriously if you want to completely empty the checking account to zero.


To be fair regarding the 15% vs 20% difference: disregarding the 5% expected tip increase, *the price of the food has also increased*, meaning that even with the 15% rate you would have been paying more for service on top of paying more for mediocre food. And now you're tacking an extra 5% on top of that. It's crazy, and ultimately it's why a lot of restaurants are doing very poorly right now. The value proposition really isn't there anymore.  We need to find a new way to compensate wait staff in America.


If you are looking for summer-friendly fabric then men’s linen shirts are the best option that you can have. And not to forget men’s linen shirts is purely an element of the palette of worldwide fashion. Also, it’s not tough to find a great linen shirt nowadays, just the way you pay, just the same way you get men’s linen shirts.


It's working well by one metric: covering the uninsured. However, Obamacare doesn't do enough to control costs. Wait a few years for double-digit premium increases due to the continuing spiral of costs and it's not going to be working so well. IMHO


Neal Neilinger previously worked at Dresdner, BNP Paribas (BNPP.PA) and NSM Capital Management.Calyon, a unit of France's biggest retail bank Credit Agricole (CAGR.PA), said Neilinger will report to Jim Siracusa, global head of debt and credit markets, and would have a global role within its debt and credit markets product line.


Whatever the current amount is when you introduce it. And you've just hit on one of the claimed advantages of the plan, which is to even out the business cycle. You don't get expansions of the money supply in huge bubbles, or contractions when it all crashes down.


The German language has a great influence on the world because Germany plays a vital role in the European Union. Also, the economy of Germany encourages the growth of the German translation industry. Besides, the prosperity of tourism in Germany increases the need for learning and translating German. As a result, this language is widely learned, used, and translated in the Middle East.


FedEx will do the same thing, it depends a lot on the driver that day. It really sucks when the package needs a signature and the driver doesn't want to get out, so he maybe honks once or hopes to see someone, otherwise he leaves a note and drives off.


As you are a stranger, it would be useful for me to take your stuff.  Does that mean I should?  I would use the proceeds to fund charities because I'm cool like that and want to *help society*.  Robbing you is *useful.*  Should I do it?


I lived in Kosovo and I kept noticing houses in the middle of bum fuck no where. I asked my business mgr what was up  He said the Mafia will use those houses to launder money. They build super cheap (its basically just a shell...NOTHING INSIDE...not even windows)  So if you are ever in Kosovo and see like 10 houses in the middle of field with nothing around them, it belongs to the Mafia.


Uber has one profitable endgame: sufficient market share that it can engage in the same monopolistic practices it is supposed to “disrupt.” Presumably, some combination of reduced compensation for drivers and increased fares could get them in the black, but then they’re just a taxi service with an app.


Several things to do: Change your bank. $2 for a check? Why?? When shopping for a new bank: ask for a free checking account. College students can get free checking in almost any bank. At least the first box of checks will be free, which will give you enough checks for the next several years (I'm still not half done with the box I got from WaMu 5 years ago). Check out your neighborhood credit union. Most of them have free checking and free checks for students as well. If still no luck - check online check printing services, they'll send you a box for less than $25, that's for sure. Walmart for example (1 box - $7). Also, you can use banks' bill-pay service for any check you write, if you know the address of the person, the amount and the sum a couple of days ahead of time. That should cover rent, and probably most of your other checks.


You're interpreting this correctly. Furthermore, if your total tax liability is less than $1000, you can not pay estimates at all, just pay at the tax day. See this safe harbor rule in the IRS publication 17: General rule.    In most cases, you must pay estimated tax for 2016 if   both of the following apply. You expect to owe at least $1,000 in tax for 2016, after subtracting your withholding and refundable credits. You expect your withholding plus your refundable credits to be less than the smaller of: 90% of the tax to be shown on your 2016 tax return, or 100% of the tax shown on your 2015 tax return (but see Special rules for farmers, fishermen, and higher income taxpayers , later).   Your 2015 tax return must cover all 12 months.


Not-very-serious companies always try to reduce your pretended salary. This also happens in Argentina. My advice is to look for another opportunity because you have to take into account that if you join the company this will happen again; for example, in the future, they may lowball you on raises.


That's a fair point, but the article specifically mentions opioids and given the broad strokes the first commenter was using, I thought it might be good to give some perspective as to why that viewpoint might miss some pretty important nuances.


A Solo 401k plan requires self-employment income; you cannot put wages into it.


"I was just thinking of that very concept as I was writing it down.   Ultimately don't you think the common shareholders would want to side with the new BD members and their vote to remove super voting over the two board member suit or do you think they are going for ""have my cake and eat it too"" mode. Get the BD vote and still hang onto the suit to take the founder out a bit."


I mean some people are trying to climb  in the caste system; Others are pushing down trying to prevent those people from climbing up and joining them. India is a very complex socioeconomic landscape.  Currently, Indian IT workers will quit as soon as they find a better offer having produced little in the current/previous role. These are the social climbers. Those that are trying to prevent the lower castes (who have affirmative action benefits) from having the same opportunities because this makes their own livelihood more competitive.  They must now complete harder where before it was easy to get a managerial position for them. Much like racism in the US.


Capitalism works best when there is transparency.  Your secret formula for wealth in the stocks should be based on a fair and free market, as sdg said, it is your clever interpretation of the facts, not the facts themselves.  The keyword is fair. Secrets are useful for manufacturing or production, which is only a small part of capitalism.  Even then we had to devise a system to protect ideas (patents, trademarks and copyrights) because as they succeed in the market, their secrecy goes away quickly.


"> I agree with the culture leading to the lack of creativity, but that has nothing to do with the language. Before the current iteration of the Chinese government, the Chinese were some of the most inventive people in the world, the first to discover a ridiculously large number of technologies far before the Western world would even come close to that level of scientific advancement. In addition, I personally believe that the poetry from the more classical eras of Chinese history is mind-blowingly beautiful, in all regards equal to any Western literature you compare it to.  Yes but how literate was the populace as a whole in this era?  I've seen some of the most creative, inventive things come from uneducated people.  There's something to be said for the creativity of idle hands.  edit:  I wasn't limiting my comment to Chinese culture only.  Other ""asian"" cultures have come to the US and succeeded. But indeed the written Chinese language, and the learning of it, tends to apply well to mathematical skills.  And western people who spend time learning Chinese and the written language, as a side effect, tend to improve in their mathematical skills as well.   We live in a weird world."


For the same reason that you take out low interest loans on big purchases like a car even if you have cash. Plus, tax advantages as another comment said. Netflix is also a growth stock and is using that debt to create real value.


You seem to be focusing on the performance of their balance sheets. We've been talking about the quality of their products/services this entire time. AT&T and Verizon have declined in quality due to growth. I believe that is something everyone agrees on universally.  As for Pfizer, one set of their products were of such poor quality (for not being fit or medically approved for the purposes for which they were illegal promoted) they [received a record $2.3bn fine](http://news.bbc.co.uk/2/hi/8234533.stm) (which is still minor relative to their balance sheet but again, we're talking quality of goods/services).


"There are quite some options, but without additional information, I can only provide examples. Last year I had the option to buy a house, but I decided against it because in my area it is getting harder and harder every year to sell it at a reasonable price. But if I had bought a house, my mother would have lent me the money, with me paying it back to her over the years on 3% interest. So it would have been some kind of a private loan. But my mom would never have taken ownership of the house, since it was not her intention to own it in any way. (Does your dad intend to own the house and rent it to you? If yes, and if you are comfortable with renting instead of buying, then this is an option.) The second option, the one we discarded because of the additional cost, is that I could have taken a loan, paying 4.5% interest to the bank, which would then pay under 1% to my mom, and keep the rest. Banks always want to make profit, and this profit has to come from somewhere - from the difference between the interest rates. If your dad has 230k on the bank, and you owe 230k to the bank, you are better off if you keep the bank out - at least as long as your dad is comfortable with lending you money, and you are comfortable with owing him money. (my gf would never borough money from her mother, because her mother would always play the ""you are in my debt"" card - on each and every visit, and whenever she needed help in any way...) So the key is: What does your dad feel comfy with - and what do you feel comfy with. If possible, keep the banks out, but set up a written contract between you and your dad."


It's not just the US based mailing address for registration or US based credit-card or bank account: even if you had all these, like I do, you will find that  these online filing companies do not have the infrastructure to handle non-resident taxes. The reason why the popular online filing companies do not handle non-resident taxes is because: Non-residents require a different set of forms to fill out - usually postfixed NR - like the 1040-NR. These forms have different rules and templates that do not follow the usual resident forms. This would require non-trivial programming done by these vendors All the NR forms have detailed instructions and separate set of non-resident guides that has enough information for a smart person to figure out what needs to be done. For example, check out Publication 519 (2011), U.S. Tax Guide for Aliens. As a result, by reading these most non-residents (or their accountants) seem to figure out how the taxes need to be filed. For the remaining others, the numbers perhaps are not significant enough to justify the non-trivial programming that need to be done by these vendors to incorporate the non-resident forms. This was my understanding when I did research into tax filing software. However, if you or anyone else do end up finding tax filing software that does allow non-resident forms, I wil be extremely happy to learn about them. To answer your question: you need to do it yourself or get it done by someone who knows non-resident taxes. Some people on this forum, including me for gratis, would be glad to check your work once you are done with it as long as you relieve us of any liability.


"Having worked in retail and spent a large portion of my life shopping in retail, I sympathize with the employees more than the customers. I don't think that Target Employee wants to talk to you anymore than you want to talk to him. The worst part is you, as a shopper, can avoid the ""bad"" employees, the Target dude...all he gets to talk to are the douches and idiots. All. Day. Five. Days. A. Week. And. Six. Days. A. Week. Between. October. And. January."


Actually, Amazon is a market place where even you can open a store and sell things faster, easier, and cheaper than opening a brick and mortar store.   ... until last week when they made a new rule that independent stores must have the same standards as sales by amazon. Which means returns for anything, full credit for returns, etc.   So like the story with eBay which became hostile towards the small entrepreneur.    So amazon had a bigger competitor once, eBay, and eBay managed to lose the competition.


Disgusting. But its obviously not news. This is what, I would reckon, 95% of China’s wealthiest (above 1mil USD) are all about: Chronic nepotism, corruption, in short favoritism which is not based on merit. It truly makes me sick to read some of those stories simply because it disadvantages EVERYONE else, not just the few who were in direct competition with those, favored. This is unfortunately the very big and ugly side of Chinese culture, its only a question of time before the next revolution will ring at the door, only to repeat the same cycle all over…


"The IRS isn't going to care how you filed for benefits - they're effectively the high man on the totem pole.  The agency that administers the SNAP program is the one who might care.  File the 1040 correctly, and then deal with SNAP as you note.  Do deal with SNAP, though; otherwise they might be in trouble if SNAP notices the discrepancy in an audit of their paperwork. Further, SNAP doesn't necessarily care here either.  SNAP defines a household as the people who live together in a house and share expenses; a separated couple who neither shared expenses nor lived together would not be treated as a single household, and thus one or both would separately qualify.  See this Geeks on Finance article or this Federal SNAP page for more details; and ask the state program administrator.  It may well be that this has no impact for him/her.  The details are complicated though, particularly when it comes to joint assets (which may still be joint even if they're otherwise separated), so look it over in detail, and talk to the agency to attempt to correct any issues. Note that depending on the exact circumstances, your friend might have another option other than Married Filing Jointly.  If the following are true: Then she may file as ""Head of Household"", and her (soon-to-be) ex would file as ""Married Filing Separately"", unless s/he also has dependents which would separately allow filing as Head of Household.  See the IRS document on Filing Status for more details, and consider consulting a tax advisor, particularly if she qualifies to consult one for free due to lower income."


Oh c'mon, this is such bullshit. The reason it exists like this is because until piracy became a reality all of a movie's profits came from home-video. That model is broken now. It isn't some grand sinister conspiracy, it's slow adaptation to a new reality. Marketing, distribution, promotion... it all has serious costs.


Good for you. Just saw my cousin today, his 2012 Kia Optima rod bearings just failed at 112000 mikes. He was given a reman engine and more warranty.   In my experience Toyota is worth every Penney. Hyundai/Kia did fix his car.


I used to work on the software in the front office (and a bit of the middle office) of a brokerage firm. This page describes the process pretty well. Basically there are three parts: So to your question: how does an order get executed? ETFs work the same since they are effectively shares of a mutual fund's assets. True mutual fund shares work differently since they don't get traded in the market. They get traded at the end of the market as just a bookkeeping exercise.


Having worked there in my youth, I know the quality is shit in every conceivable way. Chicken breasts come in blister packs, pre marinated. They microwave your veggies and they treat employees like shit, so they don't give a fuck about your wants or needs.


I assume that there is proper documentation. Loan can only be credited to your NRO account. See RBI regulation Persons Resident in India borrowing in INR from NRIs/PIOs 2.1 Available routes for borrowing: Persons resident in Indian may borrow in INR from NRIs/PIOs under the following two routes: 2.1.1 Borrowing in INR by persons other than companies in India: A person resident in India, not being a company incorporated in India,   may borrow in INR from NRIs/PIOs after satisfying the following terms   and conditions: Borrowing shall be only on a non-   repatriation basis; The amount of loan should be received either by inward remittance from   outside India or by debit to NRE/NRO/FCNR(B)/NRNR/NRSR account of the   lender, maintained with an authorised dealer or an authorised bank in   India; Period of loan shall not exceed 3 years; Rate of interest on the loan shall not be more than two per cent above   Bank Rate prevailing on the date of availment of loan; Payment of interest and repayment of principal shall be made only to   the NRO account of the lender.


"Sometimes when you are trying to qualify for a loan, the lender will ask for proof of your account balances and costs. Your scheme here could be cause for some questions: ""why are you paying $20-30k to your credit card each month, is there a large debt you haven't disclosed?"". Or perhaps ""if you lost your job, would you be able to afford to continue to pay $20-30k"". Of course this isn't a real expense and you can stop whenever you want, but still as a lender I would want to understand this fully before loaning to someone who really does need to pay $20-30k per month. Who knows this might hiding some troublesome issues, like perhaps a side business is failing and you're trying to keep it afloat."


You're making sense. I work in finance and I'd recommend you not listen to the people who try to scare you away from investments they don't understand. There's a little value in everything and public opinion waxes and wanes. It's smart to generally be trading against the consensus.  I would say Bitcoin is riskier than the Eurodollar but safer than the Zimbabwe dollar... Yes that is a wide range, but just go with your gut. Buy low, sell high!


"The first thing that it is important to note here is that the examples you have given are not individual bond prices.  This is what is called the ""generic"" bond price data, in effect a idealised bond with the indicated maturity period.  You can see individual bond prices on the UK Debt Management Office website. The meaning of the various attributes (price, yield, coupon) remains the same, but there may be no such bond to trade in the market.  So let's take the example of an actual UK Gilt, say the ""4.25% Treasury Gilt 2019"".  The UK Debt Management Office currently lists this bond as having a maturity date of 07-Mar-2019 and a price of GBP 116.27.  This means that you will pay 116.27 to purchase a bond with a nominal value of GBP 100.00.  Here, the ""nominal price"" is the price that HM Treasury will buy the bond back on the maturity date.   Note that the title of the bond indicates a ""nominal"" yield of 4.25%.  This is called the coupon, so here the coupon is 4.25%.  In other words, the treasury will pay GBP 4.25 annually for each bond with a nominal value of GBP 100.00.  Since you will now be paying a price of GBP 116.27 to purchase this bond in the market today, this means that you will be paying 116.27 to earn the nominal annual interest of 4.25.  This equates to a 3.656% yield, where 3.656% = 4.25/116.27.   It is very important to understand that the yield is not the whole story.  In particular, since the bond has a nominal value of GBP100, this means that as the maturity date approaches the market price of the bond will approach the nominal price of 100. In this case, this means that you will witness a loss of capital over the period that you hold the bond.  If you hold the bond until maturity, then you will lose GBP 16.27 for each nominal GBP100 bond you hold.  When this capital loss is netted off the interest recieved, you get what is called the gross redemption yield.  In this case, the gross redemption yield is given as approximately 0.75% per annum. NB.  The data table you have included clearly has errors in the pricing of the 3 month, 6 month, and 12 month generics."


Usually, sell. Every month -- arguably every day -- you own the house it is costing you money for mortgage and taxes and upkeep. Unless it is also producing income, or you are actually living in it, that is a serious problem. In any sane market, it is extremely unlikely that the house can gain enough value to offset that loss.  Renting it out, even if you lose money versus the costs, would at least slow the bleeding... But unless you actually want to deal with rental, or strongly expect to return very soon, selling rapidly for a good price is usually optimal. Of course when setting the asking price, and negotiating offers, you are going to have to consider exactly this trade-off.


Agree, but from a consumer standpoint, isn't that awesome? We get fresh, new content at low prices, publishers and authors continue to get paid to produce it, and everyone's happy. Monopsony power is real, but substantially less harmful on the internet - publishers could always produce their own e-books, with DRM, that would be readable on any tablet, but they would want to charge higher prices.  The way I see it, publishers are in a tough spot here: their customers are flocking to e-readers, where they're much less willing to pay $15-$25 a pop for a product with virtually zero marginal cost. Amazon isn't the bad guy there - technology is. I think, like the music industry, we're just going to see a fundamental restructuring of the playing field, and publishing is just going to become a much less lucrative market to be in.


In June 2009 Tesla was approved to receive US$465 million in interest-bearing loans from the United States Department of Energy. The funding, part of the US$8 billion Advanced Technology Vehicles Manufacturing Loan Program, supports engineering and production of the Model S sedan, as well as the development of commercial powertrain technology.  No secret, It's on their wikipedia page: http://en.wikipedia.org/wiki/Tesla_Motors  Im pretty sure the Gigafactory will be getting some sweet tax breaks and incentives too.


>Most people spend their 20s figuring out their lives and their 30s and 40s building their family and retirement. The Millenials simply have less to lose and have suffered far less of an impact.  Totally disagree with the assumption you are making here, that millenials will all of a sudden start making a shitload of money in 10-20 years.  When a lot of them can't get jobs after graduation, it prevents them from ever climbing the ladder at all.  They can't get a professional job, so they take a menial job, and the longer they aren't in a professional job, the harder it becomes to GET a professional job.  Many will be stuck in menial jobs their entire lives, simply because noone would ever give them the experience needed.


Again, you need to find better jobs. I've had 100% engineer retention since I started the company five years ago. Every single engineer I've hired is still with the company. We've also just won an award for our workplace culture. I guarantee you that all of us could be making more money elsewhere, but we're here because of bigger reasons.


The Roth IRA will provide no tax benefit to you if you are contributing after-tax money and then removing it immediately. Also there is more information on tax benefits for parents of disabled children (and a real phone number, I tried calling) at http://www.irs.gov/uac/Tax-Benefits-for-Disabled-Taxpayers


"Yes, you effectively need to ""double count"" when shifting balances between foreign accounts."


Temporary flex time is just fine. During crunch time, put in 60 hours a week and then when the crunch is over, do a few weeks of 30 hours, wind down, take a day off, charge for the next crunch.  That's how flexible hours should work, to both directions.


If you are looking for a European financials ETF to short, you could take a look at the iShares EURO STOXX Banks, which is traded on a a few German stock exchanges (Frankfurt etc.): iShares Euro Stoxx Banks Website You find its current holdings here: holdings.


"The price at which a stock was purchased is a sunk cost--that is, you cannot go back in time and reverse the decision you made to purchase that stock.  Another example of a sunk cost would be purchasing a non-refundable, non-transferable movie ticket.  Sunk costs have the tendency to create a cognitive bias in which we feel that the amount we paid at some point in the past should have some sort of bearing on the decision we make now--the purchaser of the ticket feels he must go see the movie even if he no longer wishes too, lest the ticket ""go to waste""... the investor hopelessly clings to a battered stock for that tiny chance that just maybe some day it will return to its former glory.  This is referred to as the ""sunk cost fallacy"" and is considered to be irrational behavior by economists. Keeping this in mind, your hopes and dreams for the stock at the time you purchased it should have no bearing on the decision you make now.  Similarly, whether the stock has risen or fallen in price since your purchase date should have no bearing.  Instead, you must consider what you expect the stock to do from this very moment on into the future--that is, you must act at the margin. You've indicated that you are faced with two choices--sell the stock now, incur the loss, but benefit from the tax break (Option A).  This benefit is quite easily quantifiable--it is your marginal tax rate multiplied by the additive inverse of the loss (assuming you have/will have other gains to offset).  Let's just assume that you incurred a $1000 loss, at a marginal tax rate of 20%, which means your tax benefit for the loss is $200. The second choice--to hold the stock in hopes of it rising in price (Option B)--is a bit harder to quantify.  You must assume that today is day zero, and that every cent in price the stock rises is a gain to you, and every cent in price the stock looses is a loss to you.  If you believe that the stock will rise to a price that will net your more than your tax benefit from option A, then holding the stock is more favorable than selling it at a loss today.  Conversely, if you believe this stock will fall even further in the future, or not rise enough to net you $200 (per the example), then Option A is preferable. Granted, there are some additional complications that play into your decision.  By selling the stock today, you not only get a tax benefit from the loss, but you've also freed up the funds previously used to purchase that stock to be invested elsewhere (in hopefully a better performing asset).  If you choose to stick with your current stock, then the gains you may have netted elsewhere must be considered as an opportunity cost associated with Option B.  Finally, the tax benefit is essentially guaranteed (so in our example, a $200 risk free return), while sticking with the stock in Option B still comes with some risk."