High-interest checking / savings accounts are often a better choice than CDs today for three reasons.  At the time this question was asked, CDs were probably a better answer as rates were much higher.  Since CD rates have plummeted in recent years, and because a CD is only semi-liquid, i.e., even if you ladder CDs, an early withdrawal fee often means foregoing the interest on that particular CD which you withdrew. 1.) On the other hand, high-interest checking and/or savings accounts are very viable options these days. There are several options available that earn ~1%+ APY. It's not quite that simple, and there are a few gotchas: If you run into the balance cap problem, of course nothing is stopping you from having multiple accounts across different banks. 2.) The high-interest bank accounts are fully liquid able to be liquidated at anytime (without foregoing interest). 3.) A minor benefit is that the high-yield savings account is low maintenance whereas CD laddering is pretty hands on and may require physical trips to your bank.  (If you know of a way to automate the process more, please comment or edit.)


> It's more evidence that the government isn't really good at running anything.  Congress doesn't run the post office, they just interfer with it. If not for a 2006 law that required the post office to pre-fund their pension system to absurd levels they would have been close to profitable last year.   And if Congress would let them kill Saturday delivery in unprofitable areas like they want then they would doing fine.   > It's partially because they don't have to worry about making a profit   Yes they do, the post office is not allowed to make a profit.


"People always use that place as an example when talking about the evils of the fast food industry. I love Chipotle as much as the next guy, but the place pretty much only serves giant expensive burritos. Their model could never scale up to something like McDonalds or Taco Bell.  I'm not disagreeing with you though. Calling Chipotle and Taco Bell ""pretty much the same thing"" is nuts."


> Over months or years it causes iron deficiency and anemia, weight loss, tiredness and impaired mental function, especially in children, helping to trap them into the poverty in which the disease flourishes.  If you are someone who believes that people who don't make a living wage just need to apply themselves and learn new skills, do you think anything different should be done in communities with a hookworm problem?


So you operate under the assumption that people aren't already better.  To assume people are selfish is to be short sighted.  People are selfish in SOME WAYS, but people are selfless in others.  To operate without seeing both sides is to cut out at least half of your tool set.  The problem isn't how to stop people from being selfish, but how to use each aspect of the person to benefit themselves and society as a whole.


"Assuming you live in the US, it is quite normal when you are applying for a loan that the application will ask you to confirm your identity. One of these methods is to ask you which of the following addresses you have lived at, with some of them being very similar (i.e. same city, or maybe even the same street). Sometimes they will ask questions and your answer would be ""None of the above."" This is done to prevent fraudsters from applying for a loan under your identity. If you see no signs of unauthorized accounts or activities on your credit reports, and you initiated the car loan application, then you should be fine."


Hasbro is also in this mindset with a lot of their properties.  Look at how they handle the MyLittlePony thing going on. Every single episode of that cartoon is on YouTube in full 1080p, but Hasbro doesn't really care. They don't make money off the episodes, they make money off the merchandise so they let the episodes stay online.   Same thing with custom pony models and plushies, these things [sell on eBay for over $2000 using Hasbro's IPs](http://www.ebay.com/itm/Fluttershy-Galloping-Gala-Custom-Plush-My-Little-Pony-Friendship-is-Magic-/120792470190?nma=true&si=lA3t7kbBPFukGe0nnpU9m4g7c7Y%3D&orig_cvip=true&rt=nc&_trksid=p2047675.l2557). Yet even though all these things are a clear violation of their copyright, Hasbro just stands back and lets it run. That's one of the reasons the brony thing spread so fast as it did.


"Joe has explained how most mortgages work A mortgage is simply a loan backed by a property (and, because it's   both very large and very common, covered by some specific laws). As   such, the bank isn't an ""investor"" in your house; it simply is lending   you money with the property as collateral. So, it doesn't get any   share of the profit. However there are some mortgages when the bank takes part of the increase in the property value, e.g. Castletrust’s “But to Let Equity Loan” in the UK.  Other products allows a old person to take money out of their property in exchange for say 60% of what the property sells for on their death. Islamic mortgages also work in a different way as interest is not allowed to be charged.  For example Unlike a conventional mortgage where the purchaser borrows money from   a lender which is then repaid with interest, Al Rayan Bank's Sharia   compliant Islamic mortgage alternatives (Home Purchase Plans or HPP)   are based upon the Islamic finance principles of a Co-Ownership   Agreement (Diminishing Musharaka) with Leasing (Ijara)."


I think he could sell for about 6 or 9 months out of the year.   If he wanted to cash in, he could just resign.   He makes no salary so that is no harm to him.   He is in the top spot simply because he is the best man to lift share prices.


Is it any different than if I decide to put similar amount of money in 401(k) at some other time of the year?  Not from a tax standpoint, but if can affect a few other things: Since the earnings difference is likely negligible (you miss out on returns for only a few months), I would look at other conditions -  In the long run it probably won't make much difference, but knocking out obstacles to wealth building can give you a sense of accomplishment that will encourage smart money decisions going forward.


Something I've not heard mentioned in any of the answers is that (at least for me) owing some tax money is better than having a refund from a ID theft/fraud/security aspect. The US IRS has been hacked several times recently and there have been cases of fraudulent tax refunds being filed and tax refund checks being cashed by ID thieves. Well, if you owe a bit of tax then you're less of a target for fraudulent tax refunds being filed in your name. Even in the case that you were unlucky enough to have had your identity stolen, at least you don't have to deal with the IRS trying to sort a mess like that up. Thus, (IMO) it's better to owe a bit of tax, than to have a small refund, or any refund for that matter. Ideally, you want to get to zero dollars owed like you suggested, but that's often pretty hard to do. So, the next best thing is to owe a bit. One should try to calculate tax liability quartely or if income changes, adjust your withholding, so that you get closer to zero tax.


">With their customer base, they can literally choose segments of the market and dismantle them.  Or so you think.  And of course everyone else will be ""powerless"" to oppose them, and all of their users will simply follow like sheep...  Wow. Delusional."


Ummm, yeah, if you'd like to explain to me how Google is performing poorly, that'd be great. I'd like to have that in a post by tomorrow.   Total revenue has jumped 51% from last year. Just taking a quick look at their financial statements their revenue has increased 1.9 billion from quarter before, to 14.1 billion. Their cash and cash converts are up about 2.5 billion from the quarter before. Finally, their total equity for the company is up about 3.5 billion from the quarter before.  Not bad. If you think this is a bad quarter, I'd love to see what their good quarters are.  What's weighing them down is the buying of Motorola for 13.5 billion. But think about it, they have revenues of that in just *one* quarter. And even more have enough cash to buy Motorola in *cash* 3 times over and still have some left over.


"well said. securitization of mortgages is a huge reason. anyone involved in the sale of loans was as guilty as the people who took on stupid loans.  by being able to turn a mortgage into a CDO, they were able to divvy up the risk and pass it on to investors... little slices at a time. you make the sale, get your sweet commission, wash your hands of the risk, and live happily ever after.   obviously way more complicated and more cogs in the machine than just the two parties mentioned, but it was a situation where everyone was making money and no one wanted to stop and say ""hmm... let's check some numbers on this."""


I have lived in five of the 7 continents. Yes, I have been outside my house. Part of that time was in third world countries where you get to see what it looks like when you don't have basic government services.   > And I don't know where the hell you live but I have to pay for my own internet, had to pay to get the lines put in too.  Did you pay for the interstate which allowed for those cables to be brought to your state? The transportation and security that imported those cables if they weren't made in the USA? Did you pay for the installation of the utilities that made it possible for you to even have power in your house?   The answer to all these is yes, through your taxes.


I never said America is doomed, you said that. Does America not have kind and good people in it, who are getting robbed of their lively hood and home?   They Make up the 99%, there is really going to be no place to hide


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Yes, #2: the Hackathon prize money counts as income, but a donation to charity is a deductible charitable gift. For more background and a few scenarios: http://people.opposingviews.com/deductible-donor-donates-prize-2517.html


"You should be aware that the IRS considers all gifts of cash or cash equivalents from an employer (the partnership in this case) to an employee (your husband in this case) to be wages, regardless of what the transfer is called by either party, or how it is transferred. I'd strongly recommend that you review IRS publications 535 and 15-B, which are linked in my response to the question that littleadv referred to above. I would also recommend speaking with a lawyer, as in this case, you have knowledge of the income and would not be able to claim an ""innocent spouse"" provision if he is convicted of tax evasion/fraud. Good luck."


"As has been said before: Tell stories. I got a job with an awesome hotel company because I told a story of how I worked for my dad when I was 5, making change and telling his customers to ""have a good day"". This story showed my lifelong commitment to hospitality and the kind of spirit I would pass on to their guests. So find a story about yourself that shows how you embody a key tenet of the spirit of your company and tell that story. Smile while you tell it, remember it fondly, and use that to sell just how PERFECT you are for them."


Source:- Registering for VAT You must register for VAT with HM Revenue and Customs (HMRC) if your business’ VAT taxable turnover is more than £82,000. You can register voluntarily if it’s below this, unless everything you sell is exempt.


Amazon should buy Best Buy. They are the best showroom after all...  Edit: Just think about it. You walk in, see the thing you want and order it there with your amazon account, and it shows up at your house in the next two days. You want to take it home right now? Okay, fine, that'll be +2% mark-up for an inventory fee.  if you think about it, that's kind of what happens now, except you have to go home to put your order in.


$33K, $227 payment is 7.33%. But is that right? You're also stretching out the remaining loan back to 30 years.  Now, if the bank just let you do the stretch, you'd owe $95K / 4.75% / 360 mo / PMT = $495.56 - this would be a neutral move, same rate. You now have: $128K / 5.625% / 360 / PMT = $737 so to my thinking, the delta is: $33K / X rate / 360 / PMT = $241.44 and the rate is 7.97% If you have enough equity to refi, you have enough to take that in a HELOC, and pay it off aggressively, why give up the great rate? The $227/mo you will pay the HELOC off in 22 years even at 6%. My HELOC is 2.5%. I'd use any raise or bonus to hack away at it.  I tried to spell out my thought process on the math. If any savvy reader (you all are, I know) wants to look at this and offer a better method, I'm open minded. There's a fallacy that comes with refinancing, certainly money appears in the payment stream as a result of extending the term. Somewhere that needs to be accounted for, else a higher rate at a longer term appears favorable, so my approach is to normalize the numbers one way or another. Here, producing that first step of calculating the payment on the extended term (an interim step that's a mental process only, that loan is hypothetical).  Comments welcome.


"It's interesting that the federal government actually has a set of criteria they use to fight against gangs by labeling them as ""Transnational Crime Group.""  What would happen if they applied the same standards to these corporations?  How similar are their current strategies for dealing with both?"


Hola, I am a nontraditional student, meaning I am in my 30's. I was laid off in 2009 because of the economy and was encouraged by the unemployment agency to goto school AND get student loans. Now I am completeley screwed!!! Are any of you out there screwed because of student loans? AMA!


If you're a customer, TD Ameritrade has a really robust alerting system.


"Yeah raising taxes while devaluing the currency is a winning strategy to spur consumer spending and increase economic growth...Oh wait Japanese citizens are by and large broke (like Americans and Europeans)... so they won't be spending additional money they don't have. Oh yeah and the tax hikes only serve to eat into economic growth as it diverts existing consumption away from the greater economy towards the government. Brilliant!  Abenomics was all talk and no substance from the get go when he pounded his chest about it. I just rolled my eyes as I read the article thinking this wasn't going to end well. The fact that his ""strategy"" ended up including shaming companies publicly for not giving pay raises was ridiculous. Apparently Abe is ignorant of the fact that South Korea and China among other competitors are out competing Japanese businesses... which is a strong disincentive for them to add on additional wage costs for no reason, despite Abe's politically motivated school yard bullying."


A home upgrade is akin to make your home wonderful- in terms of strength as well as appearance. Be it interior or exterior, both angles are distinguished, but connected with a thread. If the exterior is superb, then the interior should be second-to-none or vice-versa.


To mhoran's point, yes, the company, TIAA-CREF is valid. I'd focus on the expenses -   Their S&P fund (Index US Large Cap Equity Portfolio) shows a .11% total fee. You might choose this one, or others, but this number looks great to me. We are in an investment world where fees are still often over 1%, and we are conditioned to think anything less is a good fee. For me, the goal is less than .25% in your retirement fund, college savings, etc.


In simple terms : Equity Loan is money borrowed from the bank to buy assets which can be houses , shares etc Protected equity loan is commonly used in shares where you have a portfolio of shares and you set the minimum value the portfolio can fall to . Anything less than there may result in a sell off of the share to protect you from further capital losses.  This is a very brief explaination , which does not fully cover what Equity Loan && Protected Equity Loan really mean


You should invest in that with the best possible outcome.  Right now that is in yourself.  Your greatest wealth building tool, at this point, is your future income.  As such anything you can do to increase your earnings potential.  For some that might mean getting an engineering degree, for others it might mean starting a small business.  For some it is both obtaining a college degree and learning about business. A secondary thing to learn about would be personal finance. I would hold off on stocks, at this time, until you get your first real job and you have an emergency fund in place. Penny stocks are worthless, forget about them. Bonds have their place, but not at this point in your life.   Saving up for college and obtaining a quality education, debt free, should be your top priority. Saving up for emergencies is a secondary priority, but only after you have more than enough money to fund your college education. You can start thinking about retirement, but you need a career to help fund your savings plan.  Put that off until you have such a career. Investing in stocks, at this juncture, is a bit foolish.  Start a career first.  Any job you take now should be seen as a step towards a larger goal and should not define who you are.


working full time for low wages, does force a family to take government assistance. It is a way my business and others who pay a living wage while still paying our taxes subsidized the mega businesses destroying america like walmart.  Sorry but if you have a family  cant get another job with better pay and have to work 40 hours for min wage, you are going to use government assistance.


No.  There is no guarantee that credit card issuing banks will always use 0% introductory rates to entice anyone.


This answer assumes that your purpose for using the ESPP is to generate a relatively safe 15% return on that portion of your income. Frequently before there were Roth 401K options the advice was:  This advice was especially good for the younger workers because they wanted to have a Roth account but didn't want to miss the 401K match. As Roth 401K accounts were introduced that advice changed somewhat because it was possible to get the benefit of the Roth and still get the  maximum match. for your situation what I would propose is: contribute to the 401K enough to get the maximum match.  Contribute as much as you want or are allowed into the ESPP. Take the proceeds and contribute to an IRA or Roth IRA. If you reach the IRA max you have to decide if you will scale back the ESPP to contribute more to the 401K.


So what you're saying is if the janitor got a degree in a lesser paying field, he should be entitled to that 100k as a janitor. Ok.   Just because you went to college doesn't mean your job takes more skill, or is harder.  My ex also has a brother who didn't go to college and got a bomb ass job at EA games as a programmer. I guess he deserves minimum wage.


You're young.  Build a side business in your spare time.  Invest in yourself.  Fail a few times when you have some time to recover financially. Use the money that you would have let sit in some account and develop your skills, start up an LLC, and build up the capacity to get some real returns on your money. Be a rainmaker, not a Roth taker.


"Your son is in the right. But he broke the ""unwritten"" rules, which is why the car dealer is upset. Basically, cars are sold in the United States at a breakeven price. The car company makes ALL its money on the financing. If everyone bought ""all cash,"" the car companies would not be profitable. No one expected anyone, least of all your son, a ""young person,"" to pay ""all cash."" When he did, they lost all the profit on the deal. On the other hand, they signed a contract, your son met all the FORMAL requirements, and if there was an ""understanding"" (an assumption, actually), that the car was supposed to be financed, your son was not part of it.  Good for him. And if necessary, you should be prepared to back him up on court."


we have 5 customers already lined up, and like 15 who are very interested in our service. So like I said, we definitely dont need sales for the next 6 months, probably not for a year. which is great.


Also, unless I missed it and someone already mentioned it, do keep in mind the impact of these credit cards balances on your credit score. Over roughly 75% usage on a given credit account reflects badly on your score and has a pretty large impact on how your worthiness is calculated. It gives the impression that you are a person that lives month to month on cards, etc. If you could get both cards down to reasonable balances to where you could begin paying on them regularly and work them down over time, that will not only look incredible for your credit report but also immediately begin making your credit worthiness begin to raise due to the fact that you will not have accounts that (I'm assuming here) are at very high usage (over 75% of your total limit.) If you have to get one card knocked out just to get breathing room, and you're boxed in here -- or honestly even if the mental stress is causing you incredible hardship day to day, then I suppose blow one card out of the water, reassess and start getting to work on that second card. I hope this helped, I'm no expert, but I have had every kind of luck with credit cards and accounts you could think of, so I can only give my experience from the rubber-meets-the-road perspective. Good luck!


I definitely agree with this. Before I could get federal or state loans I had to do this online orientation and while you probably could skip most of it and click accept I actually read through and am competent in how the interest works and how even though not paying until after graduation is an option that'll increase my total loans by like 50%. Almost every other student I've talked to with student loans has little to no knowledge as to how interest works and how it applies to their loans.    And the choosing what to study. Because while it is nice to study something fun if you can't practically get a decent paying job in your field then you have a lot of knowledge and nothing to do with it.


I'd definitely say I have doubt in their potential for future growth.   Some say all they have to do is continue to grow their user base. The problem there is they don't have very much expansion area among the US population, and only a bit more among western nations in general. Of US internet users, about 70% are already on facebook, and the rest are largely people who will never signup, or people who have had facebook and moved away from it. Outside of the US, facebook has significant competition to deal with. China and India already have established facebook competitors that won't make it easy for them to grow their. Russia is the same. Countries like Germany, France, and England have the same saturation issues as the US.  Some say all facebook needs to do is spur ad clicks. The problem there is more and more facebooking is done via mobile apps, where the existing UI's don't even have ads. I'm sure the official Facebook app will start to incorporate ads down the road, but there's still the issue of not many people click them, ever.   I really just don't see where their growth will come from.


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I got a Capital One credit card because they don't charge a fee for transactions in foreign currencies. So I only use it when I travel abroad. At home, I use 3 different credit cards, each offering different types of rewards (cash back on gas, movies, restaurants, online shopping etc).


"Others are very correct to indicate you NEED to put numbers on it. Exactly how much debt are you talking about? What kind of interest are you paying on it? Put that against your income (on a spreadsheet) and then start charting your monthly expenses. Now add in a ""fudge"" factor for the unexpected like car repairs or other unknown that appear from time to time. Once you do that you'll be staring straight at ""reality"" otherwise it's just fiction and guesswork. As Mrs. John isn't working she should be doing everything possible to help you save. Great saving ideas include: Buying in bulk and portioning food in the freezer. Preparing bulk meals like Chili, rice dishes, noodle dishes and thing you can prepare for 1/5th the cost of eating out, portion and freeze meals. Wash dishes in the sink, use cold water (but buy good soap, you'll use much less). Take short showers, save energy everywhere you can. If it's cold, dress warm even at home and if it's warm, undress to the tasteful limits. Minimize heat and AC use. Do you NEED cable and all the channels? So much to view online. You and she may need to find creative ways to earn money, if she's paying off student loans then she has a degree, use it! Can't find a job? Be a consultant, go sell yourself and find some work. It's out there but may take work to find work. If she's disabled than look into government subsidies to assist. If not, then find work that needs to be done and go do it. Time to get busy!"


"I live in the UK so it's a little different but generally you'd have one account (a current account) which would have a Visa/MasterCard debit card associated before working and any high street bank (don't know what the US equivalent would be, but big banks such as HSBC/Santander) will offer you a savings account which pays a v small amount of interest as well as bonds as all sorts. From what I know most people have their salary paid into their current account (which would be the spending account with a card associated) and would transfer a set amount to a savings account. Personally, I have a current account and a few different saving accounts (which do not have cards associated). One savings account has incoming transfers/money received and I can use online banking to transfer that to my current account ""instantly"" (at least I've done it standing at ATM's and the money is there seconds later - but again this is the UK, not US). This way, my primary current account never has more than £10-15 in it, whenever I know I need money I'll transfer it from the instant access account. This has saved me before when I've been called by my bank for transactions a few £100 each which would have been authorised I kept all my money in my current account. If you don't have money (and dont have an overdraft!) what are they meant to do with it? The other savings account I had setup so that I could not transfer money out without going into a branch with ID/etc, less to stop someone stealing my money and more to be physically unable to waste money on a Friday if I don't arrive at the bank before 4/5PM, so saves a lot of time. US banking is a nightmare, I don't imagine any of this will translate well and I think if you had your salary paid into your savings on a Friday and missed the bank with no online banking facilities/transfers that aren't instant you'd be in a lot of trouble. If the whole ""current + instant access savings account"" thing doesn't work to well, I'm sure a credit/charge (!!!) card will work instead of a separate current account. Spend everything on that (within reason and what you can pay back/afford to pay stupid interest on) on a card with a 0% purchase rate and pay it back using an account you're paid into but is never used for expenses, some credit cards might even reward you for this type of thing but again, credit can be dangerous. A older retired relative of mine has all of his money in one account, refuses a debit card from the bank every time he is offered (he has a card, but it isn't a visa/mastercard, it's purely used for authentication in branch) and keeps that in a safe indoors! Spends everything he needs on his credit card and writes them a sort of cheque (goes into the bank with ID and signs it) for the full balance when his statement arrives. No online banking! No chance of him getting key logged any time soon. tldr; the idea of separating the accounts your money goes in (salary wise) and goes out (spending) isn't a bad idea. that is if wire transfers don't take 3-5 days where you are aha."


I love how the spokespeople in the article basically try to pass it off as 'no big deal' or 'we reacted right away'. I don't believe any of that for an instant. I have been in several Kmart stores and they almost always have a leaking ceiling...and not a tiny leak either. They've even have a couple stores roofs completely collapse in heavy snowstorms over the past few years. It's amazing that some of the buildings are legally habitable.


I am not a lawyer.  In the United States, this does not look like theft to me.  If the seller acted in good faith, theft does not apply.  It seems that the purchaser of the inventory is in receipt of stolen goods.  These can be recovered from the purchaser (the police will assist).  The purchaser then has some recourse against the seller.


Major things to consider: If you're expecting to look at the property market: it might prove to be sensible to start doing it now, since the market is just recovering, and (IMHO warning -I'm not a professional investor, just a random guy on the internet) prices still hasn't caught up with value fundamentals.  check out cash ISA's for a 24-36 month timeframe; most do a reasonable 3-4% AER, with the current inflation rate being around 4%, this will, at the very least, make sure your money doesn't loose it's purchasing power. Finally, a word of caution: SIPPs have a rather rubbish AER rates. This, by itself, wouldn't be much of a problem on a 30-40 years timeframe, but keep the (current, and historically strictly monotonically increasing) 4% inflation rate in mind: this implies the purchasing power of any money tied in these vehicles will  loose it's purchasing power, in a compounding manner. Hope this helps, let me know if you have any questions.


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unless you're goinna say Final Cut Pro (and not X), there's not really many programs you can say that doesn't have a version on the PC that's at least semi industry standard.  And besides that, artists don't make much of a living. I was down that route for a while. the industries are shit.


You might want to check again on the whole best standard of living thing. http://www.telegraph.co.uk/travel/news/countries-with-the-highest-standard-of-living-social-progress-index/ Not even in top 12. We also have by far the highest incarceration rate in the world, housing more prisoners than China with 1/4 the population. Our infant mortality rate is the highest in the developed world. Our healthcare is also the worst in developed countries and even some developing ones despite paying more for it than in any other country in the world. We rank near last in education despite also paying the most for it. It's is almost as if adding a profit motive to social services results in the highest costs with the lowest output. Europe is doing great actually, pretty much is the reverse of all these statistics.


FAQ on Alibaba Fair Play Fund: We also continue to assist buyers and suppliers in attempting to settle business disputes. In cases where a complaint of fraud against a supplier is substantiated, that supplier is immediately removed and banned from our platform. If the supplier was a paying member, the supplier forfeits their subscription fee. Forfeited fees are the source of our new Fair Play Fund, which aims to help buyers recover some of their financial losses given that they can demonstrate they were defrauded by a supplier using our platform.


DRiPs come to mind as something that may be worth examining. If you take the Microsoft example, consider what would happen if you bought additional shares each year by re-investing the dividends and the stock also went up over the years. A combination of capital appreciation in the share price plus the additional shares purchased over time can produce a good income stream over time. The key is to consider how long are you contributing, how much are you contributing and what end result are you expecting as some companies can have larger dividends if you look at REITs for example.


In today's market being paid 1% for risk and free access money is pretty darn good.  If 50k is what you feel comfortable with an emergency fund, then you are doing a fine enough job. To me that is a lot to keep in an emergency fund, however several factors play into this: We both drive older cars, so I also keep enough money around to replace one of them.   Considering all that I keep a specific amount in savings that for me earns .89%.  Some of that is kept in our checking accounts which earns nothing. You have to go through some analysis of your own situation and keep that amount where it is. If that amount is less than 50K, you have some money to play with.  Here are some options:


Why don't we just repeal Nixon's Health Maintenance Organization Act so that the health care system isn't allowed to profit off of patients anymore? Oh ya, because the fascist system wants to implement a certain solution so they have to keep the things that create the problem.


Yep, this. In the sand the smart guys bought these neckerchiefs filled with really absorbent beads. Soak 'em in icewater for a bit and they stay cold for hours.  If these weren't on hand we learned to get ice cubes when we could and wrap them in a shemagh/keffiyeh which went around the neck.


"> The long-run goal is to eliminate poverty through wealth creation. If that makes for some weird new social interactions, I'd say that's a reasonable cost.  Yes, I agree but there's a problem if we ""allow"" income inequality to become so rampant it causes macro-geopolitical issues. I'm not sure how that would be solved, it seems almost inherent in a captalistic model. I suppose mitigating rent seeking in favour of actual wealth creation and spreading meritocracy in proportion rather than exponentiality might be a start. The current wave of green energy, climate change and focus on health might be an indirect mitigating factor to this. Perhaps the limitation of land is the *real* issue. Space colonization would be an interesting scenario but there's likely a lot of time before that happens.  > I mention comparing to earlier periods simply as a measure of progress to determine whether or not there is a problem that needs correction, such as a specific group in society experiencing real wage stagnation, or truly anemic growth rates relative to earlier periods. It's the slope of the trend line for each group that I'd be worried about, where linear or exponential is good, and logarithmic should indicate a potential crisis.  That actually makes sense.  > Ultimately, I believe that it's not a persons absolute circumstances that matter, but the rate at which those circumstances are improving throughout their lives that most strongly affects their subjective well-being (but that's just my theory).  I have not read enough in both economics or human psychology to really have an opinion on this but so far, I would lean towards an agreement.  > As for real estate costs, you're absolutely correct that this is a problem, but it's as easily explainable problem. Supply is artificially constrained in most of the US due to the need for explicit government permission (in the form of building permits and zoning laws) in order to build new units. Basic economics says that when supply is artificially restricted, prices will rise.  I'm on the fence on this issue because real estate is based on rent seeking and promotion of debt slavery. While I won't argue against the principle of government restriction -> higher prices, what exactly keeps private interests from raising living cost as high as it can? Even in the developed world people spend as much as half of their income on rent / mortgage alone. Other than competition of course but in a high competitive area the incentive is to eat up market share. The laws of accumulation would then argue that in the end a few, large institutions would own the majority of residential homes and living apartments. They can now set their own prices and that will, in effect, be as bad as government regulation."


The difference is that for the one year time frame the data is represented based on daily data and the SMA is 20 days, whilst for the 5 year timeframe the data is automatically represented as weekly data with the SMA represented by 20 weeks not 20 days anymore. This happens due to daily data on this chart being too much data to represent over a 5 year period so the data defaults to weekly data over such a long period. If the chart is represented as weekly data then any indicators will also have to be represented in weekly data. If you use a more sophisticated charting program you can actually select to see daily or weekly data over longer periods such as 5 years or more.


"You report it when the expense was incurred/accrued. Which is, in your case, 2014. There's no such thing as ""accounts payable"" on tax forms, it is an account on balance sheet, but most likely it is irrelevant for you since your LLC is probably cash-based. The reimbursement is a red-herring, what matters is when you paid the money."


There is very little difference these days between account types. The fee structure and interest paid is different, but the actual mechanics, and as noted by others, the coverage by deposit insurance is identical. So look at how much money you have in the account(s) you have; are you maximizing the interest that you could be receiving, even from the small amounts that the banks will pay? If you could get more interest from the savings account, and only write one or two cheques per month, you might be better off with that account only; but given common fee structures, you likely would not want that as your primary account. Another reason for separate accounts is more psychological.  You might be able to train yourself to not dip in to your savings if you don't have a chequebook.


It depends on the selling price, but if we can assume the property will be sold at a profit, they are getting a pretty sweet deal at your expense. They are both getting about 5.2% interest on their money, plus the lion's share of any property appreciation. I would say that fair would be either of:


Most bank registers (where you write down entries) show deposits (+) to account as a CREDIT. Payments, fees, and withdrawals are DEBITs to your bank accounnt. On loans such as credit card accounts, a credit to your loan account is a payment or other reductions of the amount you owe. A charge to your account is a DEBIT to you loan account. They did this just to confuse us!


What an amazing success story.   Because Bezos owns both Wa Po and Amazon, Trump has been tweeting several threats to break up and tax Amazon.   He is threatening to destroy all that wealth in order to silence the journalists at Wa Po.     https://mobile.twitter.com/realDonaldTrump/status/889675644396867584


"> how the market going up and down in dramatic fashions due to speculative behavior by traders (of any kind) should have the power to decide the worth of thousands of companies going about their normal business.  Wow. I don't even know where to start.  First: why shouldn't traders be able to decide (as a group) what the companies are worth? If not them, who? Some committee you and your friends in the government get to appoint?  Second: do you really think that intraday (or even intraweek) prices are really representative of what ""the market"" thinks a company is valued at?   Third: compared to the effect of long term buy and holders changing their mind about a company, the effect of any HFT people on the valuation of a stock is practically nothing - like I said, there's just about no evidence of speculators causing significant mispricing over any significant period.   Fourth: there's no credible evidence that outside of individual events like the Knight Capital farce HFT has actually increased volatility."


Yes for sure.  It would be redundant.  I have three of them, so what.  Its just more money in retirement.  I would prefer a ROTH IRA in your tax bracket and you next employer may not offer that.   And yes there are tax breaks either putting money in to a IRA or if you go the Roth route, on the way out.   So if you put money in a Roth now you will have some money at your tax rate in 40 years from now.  And if you put money in a traditional IRA when you are an employee you will save on the tax rate you are at then.  So you are hedging you bets on tax rates by paying them in two different decade.  Personally we are probably all on a tax holiday right now and I would be that taxes will be higher in the future as they are historically pretty low right now.


"As others have pointed out, there are often many factors that are contributing to a stock's movement other than the latest news.  In particular, the overall market sentiment and price movement very often is the primary driver in any stock's change on a given day.   But in this case, I'd say your anecdotal observation is correct: All else equal, announcements of layoffs tend to drive stock prices upwards. Here's why: To the public, layoffs are almost always a sign that a company is willing to do whatever is needed to fix an already known and serious problem. Mass layoffs are brutally hard decisions.  Even at companies that go through cycles of them pretty regularly, they're still painful every time.  There's a strong personal drain on the chain of executives that has to decide who loses their livelihood.  And even if you think most execs don't care (and I think you'd be wrong) it's still incredibly distracting.   The process takes many weeks, during which productivity plummets. And it's demoralizing to everyone when it happens. So companies very rarely do it until they think they have to.  By that point, they are likely struggling with some very publicly known problems - usually contracting (or negative) margins.   So, the market's view of the company at the time just before layoffs occur is almost always, ""this company has problems, but is unable or unwilling to solve them."".  Layoffs signal that both of those possibilities are incorrect.  They suggest that the company believes that layoffs will fix the problem, and that they're willing to make hard calls to do so. And that's why they usually drive prices up."


I'm a caucasian male and get a pat down every time I fly, although to be fair I only fly a few times per year (maybe 5 round trips tops, average 1-2) so I could just be getting bitch slapped by statistics due to small sample set. Still aggravates me.


"In addition to the answers provided above, the weight the Dow uses to determine the index is not the market capitalization of the company involved. That means that companies like Google and Apple with very high share prices and no particular inclination to split could adversely effect the Dow, turning it into essentially the ""Apple and Google and then some other companies"" Industrial Average. The highest share price Dow company right now, IIRC, is IBM. Both Google and Apple would have three times the influence on the Index as IBM does now."


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It's not non-zero but, in a resource extraction economy, the prices of those resources is critical.  Alberta, which produces a lot of expensive oil, needs the prices to be above a certain amount or there are major problems.    Prior to 2008, everything was wine and roses.  After the crash, the elected government has been crying.  Instead of funding everything through oil royalties in a surplus, they've made cutbacks and run a sizeable deficit most every year since.  The lower prices has resulted in slowed construction and cancelled projects on the oil sands, which reduces the jobs, which undercuts the only positive to practically giving the oil away.  This is with $32 billion is subsidies for oil and gas each year.  Reduced jobs and money means less demand for real estate, which tripled between 2003 and 2008 and has mostly held steady since then.  With rising interest rates on the horizon, many Albertans could lose 25%-50% of their wealth.  If an oil produces wanted to hurt Alberta, increasing production enough to drop the price of oil by $5-$10 could do it.  I know it's a tall order but there are certain countries and/or organizations that could do it.  The US govt, for example, could have its oil barons and military hawks team up to subsidize production enough to sink Russia in the name of national security.  It may not make much sense but neither does ethanol from corn and look where that is.


"There is no fundamental, good reason, I think; ""that's just how it's done"" (which is what all the other answers seem to be saying, w/o coming out and admitting it). Just guessing, but I'll bet most of the reason is historical: Before up-to-the-moment quotes were readily available, that was a bit tedious to calculate/update the fund's value, so enacted-laws let it be done just once per day.  (@NL7 quotes the security act of 1940, which certainly has been updated, but also still might contain the results of crufty rationales, like this.) There are genuinely different issues between funds and stocks, though: One share of a fund is fundamentally different from one share of stock: There is a finite supply of Company-X-stock, and people are trading that piece of ownership around, and barter to find an mutually-agreeable-price.  But when you buy into a mutual-fund, the mutual-fund ""suddenly has more shares"" -- it takes your money and uses it to buy shares of the underlying stocks (in a ratio equal to its current holdings).  As a consequence: the mutual fund's price isn't determined by two people bartering and agreeing on a price (like stock); there is exactly one sane way to price a mutual fund, and that's the weighted total of its underlying stock.  If you wanted to sell your ownership-of-Mutual-Fund-Z to a friend at 2:34pm, there wouldn't be any bartering, you'd just calculate the value based on the stated-value of the underlying stock at that exact moment. So: there's no inherent reason you can't instantaneously price a mutual fund.  BUT people don't really buy/sell funds to each other -- they go to the fund-manager and essentially make a deposit-or-withdraw.  The fund-manager is only required by law to do it once a day (and perhaps even forbidden from doing it more often?), so that's all they do. [Disclaimer: I know very little about markets and finance. But I recognize answers that are 'just because'.]"


"Financial services job?  Sales?  The reason is that many non-sales jobs require MBAs, and while there are lots of openings, there is also a TON of competition.  Many people are getting MBAs right after undergrad and they're setting themselves up for some very good jobs.  Don't believe me?  Go look at some job postings for some very junior jobs.  Nearly ANY manager role they want an MBA - even jobs that only require 2+ years of experience they're saying ""MBA preferred"" and you'll see that there are dozens of applicants for every position.  Call up a recruiter, validate what I'm saying."


"I thought Derivatives Markets by Robert McDonald was a solid textbook when I used it for an SOA exam and a 4th year financial mathematics course.    For a decent intro to interest rates, annuities, bonds etc I thought ""The Theory of Interest"" by Stephen Kellison was pretty good.     Other people have mentioned Shreve's Stochastic Calculus for Finance.  There's actually two parts to it.  Part 1 is the binomial asset pricing model and this is the one you would want (for now).  Part two is on stochastic differential equations.  I've used part 2 and I thought it was a good book that covers a lot of amount of material.  It is certainly not an easy read though"


In addition to the prior answer, talking from experience, you get into trouble if you surpass the contribution limit and your employer continues to deposit money above the IRS maximum allowed. When that happens, you have until April to take out the excess contribution and earned interest on that chunk of money and included in your tax return or else you get a steep tax penalty in addition to being double taxed ( for the current and next tax year). Also from experience, payroll departments will most likely get this wrong and it will end up in a compliance mess with you picking up the tab on your tax bill. Don't let it happen!!!


I took a look at a lot of these products while doing some work for a non-profit. We ended up going with a hosted solution called [Thinkific](https://www.thinkific.com/). Good product, reasonable pricing, and responsive support. I think they've got a free trial iirc.  (I'm not associated with them in any way.)


"Don't worry about this yet. You need the essentials first.   Read in this order:   ""How to win friends and influence people"" by Dale Carnegie   ""Think and grow rich"" - Napoleon Hill   "" The effective executive"" - Peter Drucker  Then decide what type of business you want to start and learn the details.   Bonus: ""Atlas Shrugged"" - not as practical but will motive you."


It's not a church it is a company and needs to adhere to legal and ethical practices. I used to work at a company that brewed their own beer and staff could drink it at the end of the work day... that doesn't make it a bar.  Your thinking is fundamentally flawed if you were to replace religion with something like gender, race, sexuality, age etc. It is discrimination, there are laws in place because of it, and religion has no exemptions.


Ally Bank is a good online only account.  They reimburse any ATM Fees you may occur.  I have both checking and savings, with both Ally and ING Direct.  I don't know about having 25 total accounts - seems like overkill to me.  I do something similar though - I get direct deposit into one account, then transfer the average bill amount each pay to a different account that I never touch other than for the allotted bills.  It works well, especially for Utilities that are inflated seasonally. What do you use to mange the 25 accounts?  I use Quicken, but I don't have 25 accounts...yet.


You could buy some call options on the USD/INR. That way if the dollar goes up, you'll make the difference, and if the dollar goes down, then you'll lose the premium you paid.  I found some details on USD/INR options here Looks like the furthest out you can go is 3 months. Note they're european style options, so they can only be exercised on the expiration date (as opposed to american style, which can be exercised at any time up to the expiration date). Alternatively, you could buy into some futures contracts for the USD/INR. Those go out to 12 months. With futures if the dollar goes up, you get the difference, if the dollar goes down, you pay the difference.  I'd say if you were going to do something like this, stick with the options, since the most you could lose there is the premium you put up for the option contracts. With futures, if it suddenly moved against you you could find yourself with huge losses. Note that playing in the futures and options markets are an easy way to get burned -- it's not for the faint of heart.


You should write a demand letter immediately, send the letter by certified mail, and then wait 30 days. Here is a sample demand letter for the state of california that you can send: http://www.courts.ca.gov/11151.htm It seems like most of the demand letters assumed that you tried to cash the check and incurred a service fee. Personally, I wouldn't risk incurring even most cost. Instead, after 30 days, I would take him to small claims court and show all the evidence you have (checks, receipts, and letters of correspondence).


You spread money/investment across different accounts for different reasons: All this is in addition to diversification reasons. Investing all your money into one stock, bond, Mutual fund, ETF is risky if that one segment of the economy/market suffers.  There is a drawback to diversification of accounts. Some have minimum amounts and fee structures. In the original question you asked about 1,000 per account. That may mean that some accounts may be closed to you. In other cases they will charge a higher percentage for fees for small accounts. Those issues would disappear long before you hit the 1,000,000 per account you mentioned in your comment. One problem can occur with having too much diversification. Having dozens of funds could mean that the overlap between the funds might result in over investing in a segment because you didn't realize that one stock segment appeared in 1/3 of the funds.


Ahh, that's embarassing. I read two articles on Uber on hackernews this morning, one with this title, and the other talking about uberPool which said that they aggressively offered discounts because without those rebates drivers wouldn't have enough passengers, but if they could reach a critical number of users they would have enough passengers that the ride was (barely) profitable.  I went back and found the articles posted on hackernews and feel pretty silly now. I should definitely tone down my smugness in the future, so sorry for that. Glad you found it amusing though!  [Here is the link to the story I thought this was, in case you were interested](https://www.google.ca/url?sa=t&source=web&rct=j&url=/amp/s/techcrunch.com/2017/05/31/uberpool-sf-buzzfeed-documents-burn-rate/amp/&ved=0ahUKEwjI8IqTuKDUAhUByoMKHT7zCHsQFggwMAQ&usg=AFQjCNFMBLxrbnKD1QDka1w0Jm99Xs6OFg&sig2=-efzgIxdqrDmb0j7oAiPyw)


I agree. ZH is way ahead on some big stories. The different spin on Russian propaganda was interesting for a while (Syria, Iraq) but has become worse than the Western media on Ukraine and some other nutty stories. Western media is influenced by the banks and Russian media is controlled too much by Putin. But despite the distortions you sometimes get clear picture if you keep an eye on both.


"The best reason for endorsing a check is in case it is lost. If the back is blank, a crooked finder could simply write ""pay to the order of "" on it and deposit it in his own account. You do not need a signature for the endorsement. The safest way to endorse a check is to write ""FOR DEPOSIT ONLY"" followed by an account number, in which case the signature is not needed. most businesses make up rubber stamps with this and stamp it the minute they receive a check. That way it has no value to anyone else. Depositing checks is increasingly going the way of the dodo. Many businesses today use check truncation - the business scans the check in, sends the digital image to the bank, and stores the check. I was surprised that Chase already has an applet for iPhones that you can use to deposit a check by taking a picture of it!"


The worst.   Joe Buck mode, for those of you who like NFC teams: turn the center channel on your surround sound off. All you'll hear is crowd going nuts. Turn that shit up, fans say funny things, and you don't have to listen to fucking Joe Buck.


"Typically, the CC company itself won't follow the customer very far upon a default (though it certainly can act as its own debt collector, or hire an agency for a fee to do the collection).  What most often happens: Once they do that, assuming they win the lawsuit, they can do the following: They cannot ""force"" you into bankruptcy, but they might make it so you have no better options (if bankruptcy is less painful than the above, which it often is).  They certainly can (and will) report to the credit bureaus, of course.  For more information, Nolo has a decent help site on this subject. Different jurisdictions have slightly different rules, so look up yours.  Here is an example (this is from Massachusetts). Not every debt is sued for, of course; particularly, pay attention to the statute of limitations in your state.  (In mine, it's seven years, for example.)  And it's probably worth contacting someone locally (a legitimate non-profit debt relief agency, or your state's help agency if they have one) to find local rules and regulations."


"If you ""do business"" in a state, then you need to register your business in that state.  I suspect that you have a misconception of what it means to ""do business"" in a state.  If you are a 1-man shop, then you very likely are not doing business in any state except the one state where you work. Examples of when you are doing business in a state include having an office in the state or having employees in the state.  Merely selling something to a client in that state is NOT enough to be doing business in the state. Each state is different, but unless you are doing something that is, in some sense, close to having an office or an employee in a state, then you have nothing to worry about.  For example, if you regularly travel to a state to do work for a client then it is possible that you could be doing business in that state (I have no idea if that would be sufficient in any state).  But if you are just working out of your basement running a website, then you are only doing business in your own state."


[Japan] had been for some time, but during the recession, China went strongly for US debt as a hedge against a depression occurring. Now that the world economy is rebounding, China can get a bit more aggressive and will probably back off on treasuries.


I do work my ass off. If I roll my commute in I've got a fairly regular 14hours of work a day, and lots of stress. And I'm on call virtually always.  Hence the stress, and the dream of life after a lottery win. And with my stress I make pretty good money for my age, so I don't mind throwing some away to a dream


Doesn't matter.  What concerns me is the potential, since it is very plausible that at some time in the near future the Feds will need to be violently fought by the citizens of the USA in order to correct the deviation of their allegiance.


Just keep in mind that on Upwork, you basically have to be the cheapest person to get most of the gigs. It's great to get your feet wet, but I would strongly encourage you to use it to build a portfolio up and then start reaching out to people in your network to see if anyone needs your services.


Trading error at Citi


Over my lifetime (over sixty now) I found that having both options (white- and blue-collar) available always meant I could get work. By the age of twenty-one I had two paths available; by the age of forty-five I had four. The key is to not lock yourself into one path and always be learning something new, which means having an awareness of your society and its technology *and be interested in it.* The sad truth is that most people just aren't intelligent enough to be able to so this and that is not a bad thing; we're not all the same and so can't be held to the same measuring stick.


Shares are partial ownership of the company. A company can issue (not create) more of the shares it owns at any time, to anyone, at any price -- subject to antitrust and similar regulations. If they wanted to, for example, flat-out give 10% of their retained interest to charity, they could do so. It shouldn't substantially affect the stock's trading for others unless there's a completely irrational demand for shares.


Although this is possible with many brokers, it's not advisable. In many cases you may end up with both trades executed at the same time. This is because during the opening, the stock might spike up or down heavily, bid/ask spread widens, and both of your orders would get picked up, resulting in an instant loss. Your best bet is to place the stop manually sometime after you get filled.


You're ignoring the fact that you still had the taxes from the $5500 (so $1375) left over when making the traditional IRA contribution.  So yes, the Roth IRA grew without further taxing more than the Traditional IRA did; but you could've just as easily invested that $1375 in the same investments. While you'd owe taxes on them, true, you'd still earn a boatload of money.  That's another $10,607 you've earned, not tax-free, but with gains at the 15% CGR is still $9170.  So you now have $60,627 in the Roth, available tax-free, or you have $60,627 available at a 10% or so average rate (12% if you like, though I think you'll find it's more like 10%).   Say $53351, plus $9170 from the not-sheltered income after taxes, for $62,521 after taxes. So you make about $2000 more by using the traditional IRA for $5500 and then just investing the rest in a long term account.  The math might be slightly worse if you invest in something that has regular dividend taxes due, but if you're careful to use tax-favored investments you should be okay, and even if you don't you'll still end up ahead in the end if you make the same exact investment as your tax-sheltered account. Ultimately the question is: are you paying more in taxes now, or later, comparing now marginal rate to later average rate.  If you are paying more in taxes now, then traditional IRA plus invest the rest unsheltered.  If you're paying more later, then Roth IRA.


"The question is about the dealer, right?  The dealer isn't providing this financing to you, Alfa is, and they're paying the dealer that same ""On the Road"" price when you finance the purchase.  So the dealer gets the same amount either way. The financing, through Alfa, means your payments go to Alfa.  And they're willing to give you 3,000 towards purchase of the car at the dealer in order to motivate those who can afford payments but not full cash for the car.  They end up selling more cars this way, keeping the factories busy and employees and stockholders happy along the way.  At least, that's how it's supposed to work out."


In the U.S., there are two kinds of court cases: civil and criminal.  Only a crime can put you in jail. Simply the fact that you owe someone money cannot land you in jail.  If you agree to pay money to someone, and then you don't pay, you have not committed a crime.  However, you may have committed a crime in the way that you became in debt.  For example, as Joe mentioned in his answer, if you write a bad check and give it to someone as payment, you will owe them money (not a crime), but you will also have committed fraud, which is a crime that can put you in jail. Another example is the IRS.  The IRS cannot put you in jail simply for having unpaid taxes.  However, it is a crime to lie on your tax return and evade taxes.  It is an important distinction.


I hear that Google's counter to the Amazon/WF play is to push Google Express mass market. This would mean dropping the yearly membership and partnering with Walmart to expand available inventory. I don't like it for the reason mentioned above. I mean Google has the cash reserves to go after Target or even Costco, but they have a poor history of managing established brands post acquisition. Hello Moto?  Still I personally spend loads of money at Amazon, Whole Foods, Costco, and Target... hardly a penny at Walmart.


"This is the best tl;dr I could make, [original](http://news.sky.com/story/japans-economy-posts-longest-unbroken-growth-streak-in-more-than-a-decade-10988359) reduced by 71%. (I'm a bot) ***** > It was the strongest quarter of growth since the first quarter of 2015.  > It means Japan is growing faster than the likes of the United States, whose economy grew by just 2.6% on an annualised basis during the same period, and appreciably faster than the UK. Japan&#039;s economy has now grown for sixth successive quarters, the longest growth streak it has enjoyed since 2006, representing a triumph for Prime Minister Shinzo Abe, who took office in 2012 promising a revival.  > Toshimitsu Motegi, Japan&#039;s new economic and fiscal policy minister, said the stronger-than-expected growth reflected continued strength in consumer spending and business investment.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6ttbyy/japans_economy_beats_the_forecasts_growing_by_4/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~191182 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*: **Japan**^#1 **growth**^#2 **quarter**^#3 **economy**^#4 **year**^#5"


JPM is probably the hugest too big to fail alongside being one of the most highly leveraged. Did you see Jamie Dimon testifying before our great politicians earlier this year? I mean if the Federal Government is kissing his ass, what will the State of New York really accomplish? The Bear Stearns collapse was avoided by JPM jumping in and saving the pride of Wall Street. Do you see Barclay's getting sued for things Lehman Brothers did? Barclay's is living the good life in London rigging LIBOR, while JPM, an American institution is being re-regulated. Should the government sue every company that goes out of business for defrauding customers, employees, and all stakeholders? SMH


When looking for a ventilation system for the house, there are a few construction law prerequisites which you need to know about. The most ideal method for battling rising damp and mould buildup in your house is by introducing a legitimately composed ventilation framework including exhaust fans.


The length of time you have established credit does improve your credit score in the long run. As long as you can avoid paying interest, you might see if you can get a card with cash back rewards. I have one from Citi that sends me a $50 check every so often when I have enough rewards built up.


Yeah meanwhile you would keep your mouth shut if you bought a brand new $30,000 lemon car right? You'll just say fuck the regulations I'll take the hit. You sure as shit won't care if the Exxon mobile truck misses its exit and dumps its load on your front yard, you won't go after them for regulation violations. Get the fuck outa here. Regulations are needed.


Yes, you've summarized it well. You may be able to depreciate your computer, expense some software licenses and may be home office if you qualify, but at this scale of earning - it will probably not cover for the loss of the money you need to pay for the additional SE tax (the employer part of the FICA taxes for W2 employees) and benefits (subsidized health insurance, bonuses you get from your employer, insurances, etc). Don't forget the additional expense of business licenses, liability insurances etc. While relatively small amounts and deductible - still money out of your pocket. That said... Good luck earning $96K on ODesk.


You are confusing two things.  One is the business side and the other is the social safety net.  I believe very strongly in a social safety net.  I do not believe in a business safety net.  If you don't want progress then have central planning. Let the central planners work out how much to make of everything and direct employers on how many people to employ.  There won't be any overt creative destruction. There will however be a significant decrease in prosperity.  It is like getting a lower rate of interest - doesn't seem to be so bad in the short term, but really bites in the long term.


ETF's are great products for investing in GOLD. Depending on where you are there are also leveraged products such as CFD's (Contracts For Difference) which may be more suitable for your budget. I would stick with the big CFD providers as they offer very liquid products with tight spreads. Some CFD providers are MarketMakers whilst others provide DMA products. Futures contracts are great leveraged products but can be very volatile and like any leveraged product (such as some ETF's and most CFD's), you must be aware of the risks involved in controlling such a large position for such a small outlay. There also ETN's (Exchange Traded Notes) which are debt products issued by banks (or an underwriter), but these are subject to fees when the note matures. You will also find pooled (unallocated to physical bullion) certificates sold through many gold institutions although you will often pay a small premium for their services (some are very attractive, others have a markup worse than the example of your gold coin). (Note from JoeT - CFDs are not authorized for trading in the US)


You definitely cannot be guaranteed to get the bid or ask if you are selling more than are available/desired at those prices. What prices you do get depends on who is watching that contract and how willing they are to trade with you. This question is not much different from the question of whether you can easily get into or out of a large position in an illiquid small stock easily.  You can get out quickly if you are willing to take pennies on the dollar, or you may get a reasonable price if you take a long time to get out of (or into) your position.  You can't normally do both. In general taking large positions in illiquid assets is not something people want to do without lining up a buyer/seller beforehand.  Instead see if you can achieve your objective with liquid investments.


"This is the best tl;dr I could make, [original](http://www.npr.org/sections/thetwo-way/2017/07/07/535940922/xxx-jobs-added-to-u-s-payrolls-in-june-unemployment) reduced by 76%. (I'm a bot) ***** > An estimated 222,000 jobs were added to the U.S. economy in June, according to the monthly employment report released by the Bureau of Labor Statistics Friday.  > The agency singled out health care, social assistance, financial activities and mining as sectors where jobs were added.  > Two resilient sectors continued their upward trend in June, with professional and business services adding 35,000 jobs - and 624,000 over the past 12 months - and the food and drink service industry adding 29,000 jobs, with 277,000 over the past year.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6mgm3y/222000_jobs_added_to_us_payrolls_in_june/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~163885 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*: **job**^#1 **gain**^#2 **average**^#3 **percent**^#4 **more**^#5"


"Firstly, it isn't so generous.  It is a win-win, but the bank doesn't have to mail me a free box of checks with my new account, or offer free printing to compete for my business.  They already have the infrastructure to send out checks, so the actual cost for my bank to mail a check on my behalf is pretty minimal.  It might even save them some cost and reduce exposure.  All the better if they don't actually mail a check at all. Per my bank Individuals and most companies you pay using Send Money will be mailed   a paper check. Your check is guaranteed to arrive by the delivery date   you choose when you create the payment. ... A select number of companies–very large corporations such as telecoms,   utilities, and cable companies–are part of our electronic biller   network and will be paid electronically. These payments arrive within   two business days... So the answer to your question depend on what kind of bill pay you used.  If it was an electronic payment, there isn't a realistic possibility the money isn't cashed. If your bank did mail a paper check, the same rules would apply as if you did it yourself.  (I suppose it would be up to the bank.  When I checked with my bank's support this was their answer.) Therefore per this answer: Do personal checks expire? [US] It is really up to your bank whether or not they allow the check to be cashed at a later date.  If you feel the check isn't cashed quickly enough, you would have to stop payment and contact whoever you were trying to pay and perhaps start again.  (Or ask them to hustle and cash the check before you stop it.) Finally, I would bet a dime that your bank doesn't ""pre-fund"" your checks.  They are just putting a hold on the equivalent money in your account so you don't overdraw.  That is the real favor they do for you.  If you stopped the check, your money would be unfrozen and available. EDIT Please read the comment about me losing a dime; seems credible."


"It helps. Teachers have to go through years of classes, training, observations, student teaching, state examinations, etc. just to earn their clear credential. All that ""tenure"" really does is guarantee due process so that after all the effort of becoming a licensed teacher the administration can't throw it all away on a whim."


"The conspiracy buffs think this is already in the works. If you are interested, Google this fictional currency called the ""Amero."" Or you could just look up the snopes article on Amero."


Crazy idea but... on the offchance your friend is near one of Europe's few bitcoin ATM's ... buy some bitcoin, transfer them to your friend, and they can presumably cash them in at the ATM.  I've no idea how much bid-offer spreads will eat into the transfer or whether you can tolerate bitcoin volatility though. Unless there are money laundering regulations that mean anyone wanting to use one of these ATM's has to agree some ID checks that your friend can't satisfy (I don't actually know much about bitcoin at all). If not a bitcoin ATM, maybe there are other ways your friend can convert bitcoin value to something more useful (bitcoin to mobile-phone top-ups seem to be possible, for example).


The IRA contribution for the year are allowed until the tax day of that year. I.e.: you can contribute for 2015 until April 15th, 2016 (or whatever the first business day is after that, if the 15th is a holiday). You'll have to explicitly designate your contribution for 2015, since some of the IRA providers may automatically designate the current year unless you explicitly say otherwise. If that happens - it will be very hard to fix later, so pay attention when you're making the contribution. You get a couple of things from your IRA provider: Form 5498 - details your contributions for the year, account FMV, and RMD details. You can see the actual form here. You don't always get this form, if you didn't contribute anything and no RMD is required for you. Since the last day to contribute is April 15th, these forms are usually being sent out around mid-May. But you should know how much you've contributed by the tax day without it, obviously, so this is only for the IRS matching and your record-tracking.  Form 1099-R includes information about distributions (including withdrawals and roll-overs). You may not get this form if you didn't take any money out of your IRA. These come out around end of January.


"You may as well ask why a piece of wood is 25 centimeters long but only 10 inches. Most units of measure are very arbitrary. Somebody decides that this amount of heat or distance or money is a convenient unit, and so that's what they use. Suppose that tomorrow the government issued a whole new currency that had 10 times the value of the old currency. So if you used to make 10,000 foobars a year, now you make 1,000 new foobars. And likewise the price of everything you buy is divided by 10. If a certain model car used to cost 2,000 foobars, now it costs 200 new foobars. Are you better or worse off? Clearly if ALL prices change by the same percentage, then it makes absolutely no difference. (Aside from the hassle of making the switch and getting used to the new numbers.) A currency where 1 unit of money buys more is not necessarily a ""stronger currency"". Any more than inches are ""better"" than centimeters because you get more wood for an inch than you get for a centimeter. A currency is said to be ""strong"" when it's value is stable or increasing relative to other currencies. If yesterday I could trade 10 foobars for 1 plugh, but today I only need 9 foobars to buy 1 plugh, then foobars are stronger than plughs. Even though I still need more foobars than plughs to buy the same item."


">he is presumed guilty until proven innocent""  I never said Guilty until proven innocent. I'm saying guilty because there are 26 fucking testimonies against him. I suppose those 26 people are magically all lying are they and they should be discounted?  You're a fucking idiot. Seriously. You obviously no nothing of the case at all apart from what you heard from fellow Armstrong fanboys."


I'm pessimistic about most things, so: They can't REPO the degree and the knowledge, but they can sure REPO the CAR, so pay off the car. My suggestion would be to pay off the vehicle, because no matter what the future holds (good or bad) you will need a vehicle to get around. Although, I recently found out from the comment below that student loans are a recourse debt that won't be forgiven. Not even with bankruptcy. Most collection agencies will take pennies in the dollar for debt, but not with student loans.


> - Waiting too long to renovated their stores.  There was a Sears between my house and the neighborhood train station that I walked by regularly for two years before realizing that it was an operating store and not an abandoned warehouse.


From what I hear, usually not.  Get an amortization schedule for the property, and see what the savings on the interest rate is.  Then see what the interest versus borrowing less is. The consider that you can invest the buy down money, or better yet use it as down payment and borrow less money.  Typically (as experienced by wife who use to be a loan processor) the buy down did not save any money, and just made the broker a bigger commission.


"Treasury stock is not really represented in the Balance Sheet as a ""Treasury stock"" line item in the assets.  Some companies will break out Treasury Shares as a line item in the ""Shareholders Equity"" heading of the balance sheet but Apple hides it in the ""Shares Issued and Outstanding"" counts under the ""Shareholders Equity"" heading.  As of the most recent Q2 2017 quarterly report There are 5,205,815,000 shares issued against 5,336,166,000 shares outstanding.  This indicates that Apple is retaining about 130,351,000 shares in treasury. On the Q1 10-Q you can see that Apple had 5,255,423,000 shares issued which indicates roughly 49mm shares were repurchased by the end of Q2.  You can roughly verify this by looking at page 18 of the Q2 filing in the summary of the share repurchase program.  Repurchased as part of an Accelerated Share Repurchase arrangement bleeds between quarters but from February 2017 through May 2017 there have been 17.5mm shares repurchased.  31mm shares were also repurchased on the open market in Q2.    The ""shares issued"" total is on a downward trend as part of Apple's share repurchase initiative that has been underway for the last couple of years."


"##Betteridge's law of headlines Betteridge's law of headlines is one name for an adage that states: ""Any headline that ends in a question mark can be answered by the word no."" It is named after Ian Betteridge, a British technology journalist, although the principle is much older. As with similar ""laws"" (e.g., Murphy's law), it is intended as a humorous adage rather than the literal truth.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/business/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index)   ^] ^Downvote ^to ^remove ^| ^v0.2"


"Credit Unions have long advocated their services based on the fact that they consider your ""character.""  Unfortunately, they are then at a loss to explain how they determine the value of your character, other than to say that you're buddies & play pool together so they'll give you a loan. Your Credit History / Score is as accurate a representation of your character in business dealings as can be meaningfully quantified.  It tracks your ability to effectively use and manage debt, and your propensity to pay it back responsibly or default on obligations.  While it isn't perfect, it is certainly one of the best means currently available for determining someone's trustworthiness when it comes to financial matters."


You could always maintain a limit order to sell at a price you're comfortable with.


Not quite. The lottery takes almost no effort or investment to play. It's low risk, negative return, but a small chance for high return. MLM requires a lot of time, effort, and usually $5K-$10K of debt before people bail out. It's a high risk, negative return, with a small chance for a positive return and no chance for a high return.  They are similar in being bad investments, but lotteries do so at a much smaller scale for individuals.


Hello! Have you thought about going to meetup.com and looking for some developer group you could network with? It sounds to me like you are the perfect candidate for a bit of mentoring. A few people to bounce ideas off of.  I live in a very high tech town (Austin, TX) so this is super easy to find here. But you can also start your own group if one doesn't exist in your area.  I hope also that someone answers here!


"Is it really their money though? The concept of ownership only exists in the context of what ownership rights your fellow man is willing to respect.  If your fellow man thinks you have financial obligations to the rest of the world, then your belief that you ""own"" the money they think should be used to meet those financial obligations are pretty meaningless."


It's about time that we start antitrust against a number of massive corps.  Enough is enough.  A mere mention by Amazon that they might be going into a new industry decimates the stocks of all companies in that industry.  It's not that Amazon has a secret sauce other than firing all employees and driving them to welfare but their sheer size. It brings back memories of the robber barons, the massive oil conglomerates and AT&T that were broken up to the benefit of society.


The standard answer on any long term stock is hold on during the rough times.  You have not lost anything until you sell.  If your concern is just that you are not certain where the stock price is headed, unless you need the money now and can not afford to hold on to the stock then I would hold it.


It depends on what site you're looking on and what exchange they're pulling the data from. Even though funds and stocks are called the same thing, they have different ticker symbols in each country's exchange or could be traded as pink sheet stocks in the US. If a company or fund is based in another country (like Canada or the UK) they probably also trade on that country's exchange (Toronto or London) under a different symbol. This can cause a lot of confusion when researching these tickers.


"Your question has a built in faulty premise.  ""ASSUMING a person knows how to use and invest their money wisely"" I'd ask if you were wise enough to beat the investments offered in your 401(k) after expenses, and with respect to the potential tax savings.  Then, since I'm a proponent of ""deposit to the match, even if you have to eat rice and beans to find the cash to do"" I'll extend the question to ask if you can beat the choices taking the match into account.  401(k) - Your $1000 starts as $1500 and has a tax due on withdrawal years later. AeroAccount - You start with $750 (after the tax) and might spend a decade before hitting $1500.  Start your own company? That might be another story. But to invest in the market and still beat the matched 401(k) takes a bit more wisdom than I'd claim to have."


If it is one of those debit cards you use just like a credit card without a PIN, I'd cancel it regardless of whatever you are trying to do with your finances. They just seem too dangerous to me.  Unlike a credit card, if someone makes fraudulent purchases on a debit card the money is gone from your bank account until you resolve the issue with the issue. With a credit card, the BANK is out the money until it gets worked out. My brother once had his credit card number (not the card) stolen and the criminals emptied his bank account. Eventually the bank put the money back after an investigation, but it had two really nasty side effects: 1) Dozens of checks bounced. The bank refunded the bounced check fees, but not all of the stores would.   2) He had no money in his account until it was resolved. Luckily in his case they resolved it in a few days, but he was already making preparations to borrow money to pay his rent/bills.


No of course not, they are privately held, have no relationship with publicly held financial institutions, do not mine and sell your information to publicly held corporations, do not play revolving door of board members, the board members own no stocks, fired and retired board members will never get on another board, they never lobby congress on behalf of extracting more money from the public, and never engage in insider trading for sure.  Nothing at all to do with Wall Street.


I'm a bot, *bleep*, *bloop*. Someone has linked to this thread from another place on reddit:  - [/r/talkbusiness] [110% Freelance Performance](https://np.reddit.com/r/talkbusiness/comments/786vsu/110_freelance_performance/)  [](#footer)*^(If you follow any of the above links, please respect the rules of reddit and don't vote in the other threads.) ^\([Info](/r/TotesMessenger) ^/ ^[Contact](/message/compose?to=/r/TotesMessenger))*  [](#bot)


> If you can come up with a way to make super cheap healthy organic food that can be prepared by unskilled labor in less than a minute, then I'm sure they'd love to hear from you.  How much time have you spent cooking?  Because it isn't exactly rocket science.  It isn't too difficult to make large quantities of inexpensive quality food.  You do have to spend some money on kitchen hardware, but the skills aren't too bad.  Short-order cooking can be picked up quickly.  Baking bread isn't difficult, either.  Considering that McDonald's wants $7 for a combo meal, I could do simple breakfast foods (eggs, pancakes, biscuits, etc.), bread, rice, beans, burgers and other easy stuff, for that amount or less and do well.  That's not just speculation.  There are probably a couple million small restaurants who do this.  It isn't hard.


This has been going on for a while.  This is a result of the american idol mentality that hiring managers and HR have.  They want to line up like judges.  Saying there is a skills mismatch is ridiculous.  There are plenty of qualified people out there.  If anything, it says something about how shitty the managers are.


This is a snapshot of the Jan '17 puts for XBI, the biotech index.  The current price is $65.73. You can see that even the puts far out of the money are costly. The $40 put, if you get a fill at $3, means a 10X return if the index drops to $10. A 70X return for a mild, cyclic, drop isn't likely to happen.  Sharing youtube links is an awful way to ask a question. The first was far too long to waste my time. The second was a reasonable 5 minutes, but with no example, only vague references to using puts to protect you in bad years.  Proper asset allocation is more appropriate for the typical investor than any intricate option-based hedging strategy. I've successfully used option strategies on the up side, multiplying the returns on rising stocks, but have never been comfortable creating a series of puts to hit the jackpot in an awful year.


I second all of this. It’s worth noting that not all estates require wealth advice. Unless it’s in the millions of dollars and you have no prior experience, I wouldn’t waste time with wealth advisors.   ML is a broker dealer, not a fiduciary.


"If it were the case that people magically had a heart attack when enough people clicked a ""I hate this person"" button on hatebook.com or whatever, then yes, because that goes beyond hate and into actual harm.   However, that is not the case. Hate speech does not actually harm anything or anyone. Here in the real world, saying ""X doesn't belong here"" or ""I hate X"" or ""I wish X didn't exist"" or ""the world would be a better place without X"" doesn't hurt anyone (unless it's targeted bullying and harassment, but that's not what we're talking about here). If they're threatening or calling to violence (e.g. ""I encourage everyone to punch every X you come across""), they have gone beyond hate speech. If they're incessantly harassing a particular person or organization, they have gone beyond hate speech. Having a forum at wehateXgroup.com where everybody talks about how much they hate X doesn't hurt anybody, and anyone who is bothered by that website can just not go there."


"ITIN's can be granted for deceased minors via Form W-7: Choose ""Dependent of U.S. citizen/resident alien"" as the reason for applying. You are required to write ""DECEASED"" across the top of the form, and you will have to provide a birth certificate and potentially other supporting documentation.  The directions are not super clear for this use-case, but I've found that IRS support for ITIN is pretty easy to work with. The directions also have offices/numbers for overseas help, which I'd wager will be better able to assist with your scenario. Edit: I made a poor assumption on answering that the original returns filed were rejected but had been filled out properly, when filing with a deceased dependent without an SSN you typically write 'DIED' in the spot for the dependent's SSN. If the original returns were not filed this way, and accompanied by supporting documentation (record of live birth and record of death), then it may be best to start there, but it sounds like you already got bounced around and had it suggested that the lack of a number was an issue."


> I hope you're not trying to become a lawyer. That field is way over saturated.  No, but it was one of the better paying jobs offered when I was in school that at least claimed to work with student schedules. I don't have the cash for a top tier law school or even to afford to live near one, and even those who can find work from lower-tiered schools don't make enough to make it worth it.    My goal is to work in some form of rehab or addiction treatment or trauma counseling (or possibly emergency medicine, if I decide I still need that pace and get tired of mostly talking). I was thinking about just getting my MSW but, since I'm already an EMT and probably going to be getting my CNA certification for a side job, now I'm leaning toward becoming a Psychiatric Nurse Practitioner or possibly a Physician's Assistant. I was looking at PA first, but NP seems most flexible in terms of being able to keep working and doing school.  If all else fails, I'll hop back into sales. I'm licensed for real estate & insurance and sold cars until I got into a wreck and had to take some time off.  Good money there and I liked the challenge, but I have personal reasons for wanting to go into the other field.


Nope I live in Orange County. I get to put away some savings no lie but even still it's not like I'm driving a Tesla or BMW.   No student loans that are out of control although I did pay off my education loans a bit fast but I only got stuck with those after dropping out and being unemployed for over a year.  Learned to code and it helped a lot. Afterwards I had a bit of a personal fall out with drug and alcohol abuse when someone close to me passed away and since lifted myself up but it's not been easy because rent for a 1bedroom 600 sqft is around 1200-1500 here. After taxes I'm taking home maybe 2,2k plus car payment insurance personal insurance since I own my own business and being young and single means I get raped by taxes for whatever reason.


After reading their full guarantee page, it seems that they really don't understand the definition of the word. They don't seem to offer any guarantee, but rather just a list of reasons that they believe their plan is foolproof. Mostly they argue that their lawyers have covered every angle and a lot of big players use them so naturally everyone will respect the value of their online currency. Nowhere do they address what happens if their company goes belly up, which is the primary thing I'd be worried about with this type of thing. Ironically they specifically state on their guarantee page Many first-rate payment systems tried to guarantee their stability but   unfortunately failed to fulfill their obligations given to the users   and contractors. Myopic investment policy and court claims of tax   agencies have frequently adversely affected the work of Electronic   Payment Systems. Which, personally, would make me even MORE nervous to use their system. Their guarantee amounts to, other systems have crashed and burned, but we are smarter than those guys and even hired lawyers to confirm it!


Honestly, get a ln employment lawyer, preferably one with a MBA. If you're having to ask these questions, and considering giving away equity, get proper business legal advice. I've seen several lucrative companies torn apart because things were sloppy when it was originally set up. Also remember employees don't need equity to spur them on; that what a paycheck and meaningful employment is for. And certainly don't give anything from the outset.


Shareholders provide their capital to the company via buying issued stock from said company. In a way they are owning the company through that transaction by a percentage. Ownership is now in question depending on how big the company is. Apple? You have a snowballs chance in Hell trying to assert your 'ownership' of your one share of their stock. So in theory yes they technically own part of the company but the decision making is up the board. Though the shareholders can voice their opinion and give up their vote via proxy voting. I'm a little rusty please correct me if you must.


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I love even _job application technology_ used online these days still don't have an option for self-employment or freelance. Some industries like television or magazines have been almost 100% freelance for a generation. My field, graphic design (and advertising), is probably about 30% freelance. Yet even those firms when posting a job will want to see your experience in neat little boxes that look like past employer A followed by past employer B.


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I don't know about frowned upon. But consider that a big part of your internship is auditioning for a job after you graduate. Integrating to the team and adopting their norms, to the extent that you don't look like a try-hard, increases your chances of being accepted into the group. I would recommend you aim to dress just a little better than the norm. If your team wears kakis and button down, wear a blazer. If they wear blazers, wear a business suit. Does that make sense?


I would advise against both, at least in the way you are discussing it. You seem to be talking about day-trading (speculating) in either stock or currency markets. This seems ill-advised. In each trade, one of three things will happen. You will end up ahead and the person you buy from/sell to will end up behind. You will lose and the counterparty will win. Or you both will lose due to trading fees. That said, if you must do one, stick with stocks. They have a reason to have positive returns overall, while currency trade is net-zero. Additionally, as you said, if it sounds like you can gain more with less money, that means that there are many more losers than winners. How do you know you will be a winner? A lot of the reason for this idea that you can gain a lot with less is leverage; make sure you understand it well. On the other hand, it may make sense to learn this lesson now while you have little to lose.


I think they have a solid model, most theaters are empty most hours, so if this puts butts in seats, it's better than them going empty, and the theater mainly makes its money at the concession stand, so more people into the theater, more chances of making money off the concession. Only thing is that it might be too cheap.  I enjoy going to the movies and I'd have paid upwards of $50 for this even if I'd only go two-five times a month. This is just far too cheap and would necessitate having a ridiculous amount of people signed up for it.