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jasper-xian

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tevatron_fiqa_corpus

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592071

=;-) i do see your point. however may i direct your attention to how much smarmy spam shows up in this sub? not criticizing you, or the mods, or the sub itself. but people blatantly spam this place, and so ham-handedly its insulting to the intelligence of the reader on the front page of this sub right now are: https://redd.it/6m0yq6 https://redd.it/6lzxg6 both are submitted by users with the same handle as the domains they point to so Tuk Tuk is a breath of fresh air, to my perception i was going to recommend he post to /r/holiday_in_cambodia/ but, yikes, its set to private. Private Holiday In Cambodia, yeah i wonder whats up with that =:-(

592080

> Still following me from sub to sub I see. Not following you - just commenting on a bad post. Don't flatter yourself. I noticed you didn't reply to any of the findings of fact. Does that mean you accept the evidence presented?

592094

Not for normal banking. You can open as many accounts as you want. I did this recently with some Amazon gift card churning for a Chase cash bonus. Staying a long time may have their credit department reach out and offer you a long time customer discount. But no one is saying you have to close one account to open another.

592108

"On the bright side, I love your username... unfortunately, I'm at odds with just about everything else in your post. > Many of the people who under-estimate TV do not realize the amount of money, talent, research, staff and infrastructure needed to produce top-level high-quality shows and programming. >It is easy to stream a TV show or movie AFTER it's been already produced and broadcast, but do you really think the internet will give us a Mad Men, LOST, Walking Dead, Game of Thrones? I highly doubt it, and that's a big reason why TV is here to stay. These production costs do not have to be incurred by traditional TV companies. Anyone with comparable revenue streams can concievably hire talent and produce content, regardless of how it is distributed. >What makes Netflix/Hulu any more right than a Viacom or Comcast? You seem to think a future of Netflix and iTunes is utopia, when in reality it would be an oppressive dystopian closed system with NO competition. At least with TV and Cable, you have networks actively competing with each other- they are literally tripping over themselves working as hard as they can to PLEASE you- the audience. I don't think the argument is that Netflix/iTunes is utopia, and have never heard anyone claim that (here or elsewhere). The internet makes for far **more** competition for content, as anyone with a youtube account can reach millions of viewers. Instead of paying for access to specific channels, the user gains access to **all** content on the internet - created by dedicated content providers, as well as all other users, all competing for viewers. >You talk about how a future without TV is a good thing, but you fail to realize that it would actually be a bad thing for American culture. ... ? >People seem to think that sitting in front of the 20inch computer monitors at a table for one is preferable to a 50 inch LCD screen with dolby surround in the den. I am not surprised because the internet is comprised of people who mainly dwell on the internet, where people who watch TV are probably watching TV right now. While people may 'seem to think' this, anyone who does think this doesn't know much about the technology they're using. You can access the internet on many devices with almost any imaginable screens size (including mobile devices, 20"" monitors and the 50"" LCD in your den) a number of different ways. >On top of that, many people would lose their jobs. Just because Apple or Netflix can distribute shows and movies cheap does not mean that many thousands of people should lose their jobs . In a capitalist economy (or to remain competitive globally), this is almost exactly what it means. Are you suggesting we hire miners to dig through mountains because dynamite steals jobs ? >(especially if the majority of America still prefers to watch programming on their TV's and not locked in their room on a small computer screen with the tinny-sounding computer speakers). Already explained this one to you. Not an issue. >This is one of the reasons why we're having an unemployment problem, because these jobs are disappearing by the cold mechanical algorithms of a computer program. Think of the many thousands of jobs that have been lost in the music industry, don't you think college kids would have loved to start their careers at a record label promoting music and encouraging growth? Instead we have MP3's and instant gratification, music is arguably dead (read: 90's music). Another misconception you seem to have of why jobs exist, or should exist. People wanting a certain job is not a reason for the job to exist. >And if we think a future without TV is utopia, then I have some bad news for you, it isn't. TV is American, we do it best and we should NOT be turning our backs on it. Once we do that, we lose our culture. If American culture is solely based on outdated distribution technology, then the loss is no great one. >Who do you think will own the internet in 50 years? I can tell you it won't be the US of A. Think very carefully and be careful what you wish for... Own the internet ? I don't care about the nationality of the owners, but I can assure you that no single entity will 'own the internet'. I really think you misunderstand the fundamental ideas behind the debate. Your biggest argument is that people prefer to watch their programming on traditional, large TVs... many different technologies exist to enjoy the internet on this same piece of hardware. You have not made a single compelling argument here, but I felt I should break it down point by point, because you do seem interested in thinking critically about the topic, just slightly misinformed. EDIT: multi line quote formatting"

592111

"Money in your NRE/NRO account is your property and moving it to the U.K. is not a taxable event in the U.K. or in India. Extra paperwork is needed for transfer from an NRO account to prove that you have indeed paid taxes (or had taxes withheld) on the money in the NRO account to the Indian Government. Search this site for ""15CB"" and ""15CA"" for details."

592117

In Maryland, a landlord must hold your security deposit in an escrow account and pay you interest when returning the deposit. The interest is simple interest; it does not compound. The interest rate that they must pay has changed over the last 43 years. Before October 1, 2004, the rate was 4%. Until January 1, 2015, the rate was 3%. Currently, the rate is 1.5% OR the simple interest rate accrued at the daily U.S. Treasury yield curve rate for one year, as of the first business day of each year, whichever is greater. (This year, the rate is 1.5%.) Maryland's Department of Housing and Community Development has a Security Deposit Calculator for easy calculation of this interest; however, it only works for deposits since January 1, 2015. It is unclear to me whether the interest rate in effect is the one that was in place when the security deposit was made, or if the rate changes over the years. At most, if you get 4% interest every year, I would expect you to receive $429.76, which is $158 + ($158 * 4% * 43). The interest is accrued every 6 months, so you would not get any interest for the 3 months that you rented in your 44th year. (With the new law that took effect this year, interest is accrued monthly.) At least, if the interest rate changes with the new laws, I would expect you to receive $413.18, which is $158 + ($158 * 4% * 32.5) + ($158 * 3% * 10.25) + ($158 * 1.5% * 0.5). Some text on the Security Deposit Calculator suggests that the laws for Prince George's County are different than the rest of the state. If you are in that county, you'll need to check the local ordinances to see what security deposit policies apply.

592124

Of course handing your passport to an employer is pretty silly. However, maybe these employees volunteering for an RFID implant just want a useful piece of technology for free. There's a lot of misunderstanding and paranoia surrounding these implants, none of it is justified. I don't think the idea of offering this for free to your employees is a stupid idea, the improvements to security and the reduced amount of hassle associated with lost ID cards would make it worthwhile.

592127

"This is the best tl;dr I could make, [original](http://www.marketwatch.com/story/amazons-moat-just-got-wider-and-thats-great-for-its-investors-2017-06-16?link=sfmw_tw) reduced by 91%. (I'm a bot) ***** > After Amazon.com Inc. AMZN, +2.44% announced it would purchase Whole Foods Market Inc. WFM, +29.10% for $13.7 billion, the only thing unrealistic about this notion is that anyone other than Amazon will be victorious. > Yes, there was a noteworthy Amazon dig made by President Donald Trump right around Election Day, but many politicos wrote that off simply as more ire over the media, as Jeff Bezos owns the Washington Post as well as Amazon, and the paper has hardly been friendly to Trump. > The more I think about Amazon's purchase, the more it's apparent that Amazon itself is the Big Guy. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6hyfnn/amazons_moat_just_got_wider_and_thats_great_for/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~147067 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*: **Amazon**^#1 **more**^#2 **Inc.**^#3 **retail**^#4 **consumer**^#5"

592133

"As a general proposition, no, you do not need to report money transfers into the US. If a transaction exceeds $10,000 then the bank must report it anyway. Note that ""structuring"" your transactions to avoid a $10,000 deposit is illegal, so be careful if you are moving lots of money. As a general rule, no, transferring your own individual money from a foreign account to a US account does not incur taxes. Only lawyers are authorized to practice law in the US. They should generally be bar licensed in the state of practice. Certified public accountants can assist you with tax preparation and return positions, though tax lawyers may be necessary for some situations or for formal tax opinions. Be sure to use an experienced advisor to file your tax returns and information reporting."

592135

The government should worry less about raising the minimum wage and instead have some sort of job training program for kids. It's like, they completely ignore kids from ages 5-18 and then act surprised when they're only able to make minimum wage. The government should invest roughly $130,000 in educating children in useful job skills so that they can make more than minimum wage.

592146

Also, take advantage of off-season times. I say this because anyone from senior associates (fancy way of saying second years isn't it?) to managers will have free time for a little chat here and there. These brief moments helped me get an e-mail or some way of contacting them after I left the internship. Definitely helps.

592151

I've got the s6 and it has been a life saver the number of times I've bashed my phone around and got dirt in the charging port and needed to get it fixed (I work in construction), hopefully this will help apple users with the same issues I have

592169

"Please stay away from snakes. Don't use a credit card to buy your food. Those credit companies will eat you alive. Those are reward points they're giving you. It's like the casino giving you a free $50 to start out with. They designed the game. They are going to win. As for groceries, if you are a coupon clipper, check out thegrocerygame.com: ""Teri's List is a weekly publication of the lowest-priced products at your supermarket or drugstore matched with manufacturers' coupons and specials - advertised and unadvertised. Teri does all the hard work and research, and presents it to you in a straightforward format. Log in each week and print your list!"" Nathon HouseholdBudgetNerd.com Family Budgets for Both of Us"

592182

In other words, you disagree with me and don't want to debate any longer. Anyway, go about your fanboy investing style, I hope it works out. Maybe Elon Musk will let you blow him some day.

592187

"In an IPO the seller is the Company selling new shares. Some of the IPOs also include something called ""secondary"" sales which are existing holders selling at the same time at the IPO price. But that is a but more unusual. And as someone noted, the $68 is the price paid for the people who bought at the IPO (the aggregate group usually called the syndicate). The $85 is the price that it is trading at once there is trading in the open market. People that are able to get into the syndicate to buy the stock at $68 sometimes quickly sell if the price is much higher when trading starts. This is called ""flipping"" the stock. Hedge funds do this much more often than institutional buyers like Fidelity."

592191

Looking for the best New York SEO company? XVIO at 20 West 22nd St, Suite 710 offers a complete suite of online marketing services that can help boost your online presence and dominate the competition. Give us a call today!

592192

My advice is that if you've got the money now to pay off your student loans, do so. You've saved up all of that money in one year's time. If you pay it off now, you'll eliminate all of those monthly payments, you'll be done paying interest, and you should be able to save even more toward your business over the next year. Over the next year, you can get started on your business part time, while still working full time to pile up cash toward your business. Neither you nor your business will be paying interest on anything, and you'll start out in a very strong position. The interest on your student loans might be tax deductible, depending on your situation. However, this doesn't really matter a whole lot, in my opinion. You've got about $22k in debt, and the interest will cost you roughly $1k over the next year. Why pay $1k to the bank to gain maybe $250 in tax savings? Starting a business is stressful. There will be good times and bad. How long will it take you to pay off your debt at $250 a month? 5 or 6 years, probably. By eliminating the debt now, you'll be able to save up capital for your business even faster. And when you experience some slow times in your business, your monthly expenses will be less.

592198

>While I think it's crazy that all these companies are getting such high valuations, I really want to see Facebook's financials. Lack of transparency really hurts. I think any corporation over some set size should be mandated to keep all its financials fully transparent, including line by line day to day accounting. As it is, it's a black box and we can only guess.

592233

"We need more governmental student aid. More Pell Grants and more cheap loans. If we've learned anything over the years, the government injecting billions of dollars of free money and cheap loans into the educational system in no way changes the pricing structure of that of that system. s/ Also, we need more highly valuable, highly marketable majors offered by colleges. Forget the hard STEM stuff, let's focus more on ""Women's Studies"", ""African Studies"", ""Social Justice"" and other majors like these. Because, let's be honest with ourselves, these type of degrees are in no way ""made up Bullsh#t waste of time degrees"" that do very little to nothing to prepare the graduate for how the real world works. s/ BTW, before the SJW's vote me down, let me hit you with this dose of reality: I own and operate multiple successful businesses and hire people on a regular basis. If we get a resume' from someone with one of those degrees, let's just say that they will not be getting an interview."

592237

You can send money to the bank and create a credit balance, but you cannot increase the credit limit. So if you send them $100, you can then charge $400 in one transaction. That said, I see no practical benefit to doing this. If you want to buy something that's $400 and only have $100, just pay $100 in cash and charge the other $300. Or save up and pay in cash :)

592245

"Never leave the airport if you want to get to your destination. Something stupid would have happened and my 8+ hour delay would have turned into a ""now boarding at gate F4"" twenty minutes later, or it would have taken me three hours to get back through TSA bullshit."

592251

Use other currencies, if available. I'm not familiar with the banking system in South Africa; if they haven't placed any currency freezes or restrictions, you might want to do this sooner than later. In full crises, like Russian and Ukraine, once the crisis worsened, they started limiting purchases of foreign currencies. PayPal might allow currency swaps (it implies that it does at the bottom of this page); if not, I know Uphold does. Short the currency Brokerage in the US allow us to short the US Dollar. If banks allow you to short the ZAR, you can always use that for protection. I looked at the interest rates in the ZAR to see how the central bank is offsetting this currency crisis - WOW - I'd be running, not walking toward the nearest exit. A USA analogy during the late 70s/early 80s would be Paul Volcker holding interest rates at 2.5%, thinking that would contain 10% inflation. Bitcoin Comes with significant risks itself, but if you use it as a temporary medium of exchange for swaps - like Uphold or with some bitcoin exchanges like BTC-e - you can get other currencies by converting to bitcoin then swapping for other assets. Bitcoin's strength is remitting and swapping; holding on to it is high risk. Commodities I think these are higher risk right now as part of the ZAR's problem is that it's heavily reliant on commodities. I looked at your stock market to see how well it's done, and I also see that it's done poorly too and I think the commodity bloodbath has something to do with that. If you know of any commodity that can stay stable during uncertainty, like food that doesn't expire, you can at least buy without worrying about costs rising in the future. I always joke that if hyperinflation happened in the United States, everyone would wish they lived in Utah.

592270

Similar story with the last big corporate company I worked for. One of the major hotel chains dicked around our CEO and next thing you know, there's a ban on certain hotels - as in, all 50,000 employees are forbidden to stay at those hotels when on company business. And that company spent *millions* each year on hotels.

592308

"From your description, it seems that you should have $75k of ""basis"" (i.e. after-tax amount) in your Traditional IRA. (As others have mentioned in comments, you might have had to report this in the year it was rolled over. I will assume that you will have figured this out.) Having after-tax amounts in a Traditional IRA is tricky as you usually can't choose to take out only the after-tax portion. Withdrawals as well as conversions to Roth IRA must be ""pro-rata"", which means that the amount of pre-tax and post-tax money in the withdrawal or conversion follows the same proportion as in the IRA overall. So say 7.5% of your Traditional IRA is after-tax, and the other 92.5% is pre-tax, that means any withdrawal will consist of pre-tax and post-tax in those proportions. So e.g. if you withdraw or convert $1000, $75 will be post-tax and $925 will be pre-tax. So any withdrawal or conversion will consist overwhelmingly of pre-tax amounts, which will be taxed, and you may not want that at this time. There is one way to separate the pre-tax and post-tax amounts in a Traditional IRA, but it involves having an active 401(k) (which I doubt you have at this point as you're retired). Some 401(k) plans allow people to rollover funds from Traditional IRA into it. If they allow this, then you can use it to ""siphon"" only pre-tax money from the Traditional IRA, as IRS does not allow rollover of post-tax money into a 401(k). This way you can rollover the entire pre-tax amount of the Traditional IRA into the Traditional 401(k), leaving behind only after-tax money in the Traditional IRA, which you can immediately convert to Roth IRA with no tax."

592309

Like most software it's about what you put in to them. We use ProSeries software which is like TurboTax but $4500 with no questions. I would do your taxes on online and then have a professional do them. You then can ask any questions you may have to better understanding of what's going on. Only take copies of your documents because some unprofessional places will try to keep them. Do this each time something big changes in your life, you have a baby, buy a house or start a business. May cost more but could save you thousands in the long run. I have been doing taxes professionally for 7 years.

592325

"Several student loans are backed by government guarantee and this will allow you to get attractive rates. This may require them to consolidate the three classes of loans separately. Many commercial banks offer consolidation services, one example is Wachovia discussed at https://www.wellsfargo.com/student/private-loan-consolidation/ Other methods of ""consolidation"" are of course anything that pays off the original loan. If available, using a parent's home equity line of credit to pay of the loans and then paying back the parents can save money. An additional benefit of HELOC-style loans is that they are very flexible in their payment terms. For example you may pay $25 per year to keep the account open and then only be required to make interest payments. Links: https://origin.bankrate.com/finance/college-finance/faqs-on-student-loan-consolidation-1.aspx"

592339

8 years ago most of the people in the workplace wouldn't touch Aldi, last year I noticed people loved it and the topic was what a rip off both colse and Woolworths was. Mindset has changed and as cost of living has gone up people are looking to blame everything they can. People have resentment saying I can't believe we had been paying 1 $150 and we pay $80 and keep on bringing it up.

592347

"Human Development Index http://en.wikipedia.org/wiki/List_of_countries_by_Human_Development_Index --- 23 Spain 0.878 - ""Very high human development"" 161 Uganda 0.446 - ""Low human development"" --- What makes you think Spain is worse off than Uganda? Simply not the truth. Even in this crisis. Spain is a developed country with a high standard of living, highly developed infrastructure, a relatively well working state, and people don't starve in Spain. Even if the US or any Western European country experience a major economic crisis, they don't fall to low developed quality of living standards."

592348

Whatever. Go live in an an airplane like I have and you'll quickly realize that the TSA is the least of your problems. Note that I am not particularly fond of the TSA. I think the airlines should run their own security and not be required to use the government's Full Employment For Idiots department, but it's just not that big a deal.

592379

"FICO SCORING http://www.pbs.org/wgbh/pages/frontline/shows/credit/art/chart_fico.gif This is from the PBS Frontline show ""Secret History of the Credit Card."" Getting rid of one card won't immediately trash your score, nor will it be by the full impact (15%) of credit history. If there's no fee, I'd buy gas once per quarter with it. If there is a fee, I'd check my FICO score and if I can afford to lose 20 or so points for a time, I'd go for it."

592406

This is why I've come into the view that most companies should be worker co-ops. There are a few key sectors of the economy like health care and banking that probably shouldn't have a profit motive to them. Turn everything else into worker co-ops. That way you, as the workers, do earn that money through your own blood sweat and tears with the added benefits of not having a CEO that makes over 300x as much as you while doing away with wage slavery. Its strange that we say we value democracy in our society, except in our companies which look more like serfdom.

592420

And yet people gave these financial professionals their money. People invested their money with these people without an understanding of how their money was going to be invested. At what point does common sense kick in? It doesn't take a rocket scientist or a brain surgeon to figure out that if you might be setting yourself up for failure if you invest resources into something without an understanding of how it works.

592423

Arrrr . . .there be whispers on the wind Some scurvy scally wags walk the plank Bound and gagged starboard side away from prying eyes Capn warn't pleased with the misrepresentation of plunder, you see But that not be the end of it, there be dealings with the kings treasurer but the shylocks there be wary of the common man and wagging tounges Stuck between the devil and the deep blue sea they be and fearful of the growing fleet which's colors bear the crooked cross tis the second comming . . .arrr

592436

There are a lot of cheap or low-cost packages that are quite lucrative but you can be sure that these are not at all private servers but are rented out to several customers so basically you are now paying for the stuff you could have obtained for free on the internet.

592462

Supplier of Quartz Powder in India http://quartzpowdermanufacturers.com/supplier-of-quartz-powder-in-india.php Shri Vinayak Industries is a prominent supplier and Manufacturer of Quartz Powder in India. Quartz is the most common mineral which is composed of silicon and oxygen and its chemical composition is silicon dioxide, SiO2. It is chief component of igneous, sedimentary and metamorphic rocks

592484

"Such data is typically only available from paid sources due to the amount of research involved in determining the identity of delisted securities, surviving entities in merger scenarios, company name changes, symbol changes, listing venue changes, research of all capital events such as splits, and to ensure that the data coverage is complete. Many stocks that are delisted from a major exchange due to financial difficulties are still publicly tradeable companies with their continuing to trade as ""OTC"" shares. Some large companies even have periods where they traded for a period of their history as OTC. This happened to NYSE:NAV (Navistar) from Feb 2007 to July 2008, where they were delisted due to accounting statement inaccuracies and auditor difficulties. In the case of Macromedia, it was listed on NASDAQ 13 Dec 1993 and had its final day of trading on 2 Dec 2005. It had one stock split (2:1) with ex-date of 16 Oct 1995 and no dividends were ever paid. Other companies are harder to find. For example, the bankrupt General Motors (was NYSE:GM) became Motoros Liquidation Corp (OTC:MTLQQ) and traded that way for almost 21 months before finally delisting. In mergers, there are in two (or more) entities - one surviving entity and one (or more) delisted entity. In demergers/spinoffs there are two (or more) entities - one that continues the capital structure of the original company and the other newly formed spun-off entity. Just using the names of the companies is no indication of its history. For example, due to monopoly considerations, AT&T were forced to spinoff multiple companies in 1984 and effectively became 75% smaller. One of the companies they spunoff was Southwestern Bell Corporation, which became SBC Communications in 1995. In 2005 SBC took over its former parent company and immediately changed its name to AT&T. So now we have two AT&Ts - one that was delisted in 2005 and another that exists to this day. Disclosure: I am a co-owner of Norgate Data (Premium Data), a data vendor in this area."

592499

Does your employer prefund benefits for employees that haven't even been born yet? Or better yet, their parents haven't even been born yet. They're required to fund their pension plan 75 years in ADVANCE. There is literally no other government, nor private agency required to do that because it's asinine. Congress was purposely trying to bankrupt the perfectly functional post office in order to sell it off to the highest bidder. As a Chicagoan, let me tell you that privatizing public assets does NOT work. Edit for spelling

592508

">My point was more that I've seen, firsthand, people not take financial responsibility for their dependents or for themselves, and that they can't be trusted in investing in any future. I agree. The libertarian in me wants to say ""screw them, they had their chance."" The compromising moderate in me wants to say ""lets find a way to replace social security with something better."" >Given I'm still in great health and in my 20's I probably ought to look into getting more/real Life Insurance, as well. For as cheap as a 30 year term life insurance policy would be... you might as well do it. 10x your income for the monthly cost of a tank of gas. It's a no-brainer."

592510

However, if you are employed by a company that exists in a tax haven and your services are provided to an employer by that tax haven company, it is the tax haven company that gets paid, not you. Under various schemes that company need not pay you at all. For example it may make you a loan which is not taxed (ie you don't pay tax on a loan, just as you don't pay tax on the money lent you by a mortgage company). You are bound by the terms of the loan agreement to repay that loan at a rate that the company finds acceptable. Indeed the company may find eventually that it is simply convenient to write off the loan as unrecoverable. if the owners/officers of he company write off your loans, how much tax will you have paid on the money you have had as loans? The taxman can of course state that this was simply set up to avoid tax (which is illegal) so you should have a balancing scheme to show that that the loans were taken to supplement income,just as one might take a bank loan / mortgage, not replace it entirely as a tax scam. Hiring tax counsel to provide this adequate proof to HMRC has a price. Frequently this kind of loophole exists because the number of people using it were sufficiently low not to warrant policing ( if the policing costs more than the tax recovered, then it is more efficient to ignore it) or because at some stage the scheme has been perfectly legal (as in the old offshore'education' trust recommended by the government a few decades ago). When Gordon Brown set out a 75% tax rate (for his possibly ideological reasons rather than financially based ones)for those who had these accounts , he encountered opposition from MPs who were going to be caught up paying high tax bills for what was effctively retrospective taxation, so there was a built in 'loophole' to allow the funds to be returned without undue penalty. If you think that is morally wrong, consider what the response would be if a future Chancellor was to declare all IAs the work of the devil and claim that retrospective tax would need to be paid on all ISA transactions over the last few decades.eg: tot up all the dividends and capital gains made on an ISA in any year and pay 40% tax on all of them, even if that took the ISA into negative territory because the value today was low/ underperfoming. Yet this has been sggested as a way of filling in the hole in the budget on the grounds that anyone with an ISA can be represented as 'rich' to a selected party of voters.

592512

Fedex and UPS allow shipping packages with COD (Collect on Delivery) option. You tell them how much to collect, and they will hold the package and attempt to collect it from the receiver and then remit to you. If they cannot collect - they'll return the package to you. In the (post-) Soviet Union republics, the local post offices provide(d) similar services. If you're shipping from/to these areas - check with the postal service if they have it. However, that may be only limited to the postage costs (I believe that's the case with the USPS).

592529

SEO-Daddy, is one of the leading and reliable social media marketing companies. You can have our custom social media marketing services that also help you website to gain more visibility and increase your targeted users as well. This will leads to high productivity and top ranks in major seo companies in uae. They will even guide you on a way to enhance your internet site overall performance, outrank your competition' by way of winning the top function on Google. Hence, shooting a big chew of the market proportion. Our FREE complete report examines important SEO problems and gives useful insights into your competitor’s digital advertising method.

592535

yea pure speculation for now. ICO price of (icnonomi coin) ICN at .14 cents a share, 8 months later it hits $1.50 then $5.18 per share. smh it's wild. $5,000 @ .14cents => 35,000 shares $185,000 profit off of $5,000 in 8ish months, just insane. worth the risk for a quick flip? maybe hence all the wild speculators and dumb money coming to the market after hearing about over night millionaires. Also attracts the sharks and smart traders, the mob gets scared really easy in these exchanges.

592539

They can, at any time, unless it explicitly says otherwise in the bylaws, kick the CEO out for any reason. In many cases, I believe his salary is dictated by the board of directors (elected by the shareholders iirc), as it couldn't be feasibly done so by anyone else, since they work for him (her).

592545

"The best I could come up with would be to simply ask for the amount of ""notes"" and ""coins"" you would like, and specify denominations thereof. The different currency labels exist for the reason that not all of them are valued the same, so USD 100 is not the same as EUR 100. To generalize would mean some form of uniformity in the values, that just isn't there."

592578

"Anyone remember ""Fucked Company"" dot-com? It was a hit during the dot-com bust. a dot-com company deadpool blog/website... And I recall the founder tried to sell customized pr0n videos (like 30 secs or so) of POV shot nailing some girl while she screamed your name. I think that lasted all but a week before he shut that idea off. I want to know what he was thought about it, what happened, and what went wrong... demand? costs? The open flood of just other pr0n movies, and people not caring about stroking the ego of hearing their name, instead of just stroking other things? not that I care so so much, it was just something crazy from way back when that popped into my mind."

592582

Having been in the situation of commuting and working long hours at a low wage to just scrape by, I faced the following dilemma: I used all my income to pay bills and taxes and could not afford to go back to college to get another degree (or pay for distance learning). Even if I could afford to pay for classes, I couldn't figure out when I'd have the time to study because I was often only home 9 hours a day and needed to eat and sleep, shower and get ready for work. A wealthy friend of mine liked to read books about people who overcame great obstacles and she was sure I could figure out lot a way to improve my situation if I'd just try harder. One day I handed her a piece of paper showing my income after taxes and monthly bills and asked her to get back to me with a plan that would allow me to afford classes and give me say, an average of 6 hours of study time per week. She was happy to do it. Here was her longed for opportunity to show me it was possible to pull myself up by my bootstraps. After she studied my income, expenses and schedule, she decided she couldn't devise a plan that would work and she never again told me I wasn't trying hard enough.

592596

Since I have 10k in my account after down-payment, will I get a good interest rate on the loan? When the bank considers your loan, they will see $70K. Regardless, they will want to see certain amount of savings that would allow you to continue paying your loan in case of an emergency, and $10K might not be enough. I was planning to put down 15%, but I have been told that I should buy something called PMI to satisfy the rest 5% and if I take that my interest will be more and sometimes, bank will not go for anybody who pays less than 20%. Is that true? Yes. After downpayment + closing costs, how much money in the savings accounts, is the bank looking for to say that I am a good buyer? Depends on the bank, my wild guess would be they're looking for several months' worth of loan payments (you should have ~6 months worth of savings for emergencies, regardless of loans).

592598

>Labor isn't that interchangeable and markets are far from perfect. Yes, it is if it's manual labor which is what these Walmart workers is. Labor can even be replaced by robots/technologies. As technologies advanced at current rate. Manual labors can and will cease to exist. >What is the other option other than government help? Education! Seriously, a god damn good education that isn't today's education system. No welfare from the govrt. A good education from our govrt. is 100x better than welfare. >Let these people starve and live on the street because they can't afford anything else? That is a great way to ruin a society. Look, No one cried when Car replaced Horse carriage. Just look at the entire Human history. A lot of job die when technology changed and each time a new technology rise. There are dozen of far better paying jobs that come with it. Can you imagine back in 1950 that someone can just do Vlog on YoutTube and make great living doing it. There are hundred of YouTube partners making a good living just making videos and post them on YouTube! Unless you're retarded, your brain will always worth way more than your strength. Human race is a creative race. We are born to think and to create. I believe our society and its people will be better off in a society where we are not bored at our jobs doing manual and repetitive tasks. From personal experiences, I got a co-worker who used to building house for a living. When we work together, he was a tech support and now he does SharePoint support. He told me when he was building house, he was hook on drug/weed/cocaine...etc. You named it and he had tried it beaus the pain from doing manual labors was unbearable that he rely on drugs to take pain away. He told me not one person who work in the house building wasn't hook on alcohol, weed or drug and working in tech support and writing script is great for him because he get to use his brain and no body pain from manual labor. All this have to start with EDUCATION! Which sadly our govrt. suck balls at it!

592606

No, Las Vegas works because its an entertainment destination that also has gambling. Steve Wynn tried to explain this to AC back in the 1980's and the city and state didnt listen to him so he got out of that market completely.

592610

> Most of that money goes into regulations of and subsidies source. >Everyone profits equally from courts and police I live in a rural low crime area. I don't benefit as much from taxes to fund court and police employees as someone from an urban high crime area. I don't mind paying it though because it's helping *other Americans.* >you force a minority at gunpoint to pay confiscatory tax rates I never said minorities had to pay for it. We can stop giving out [1.3 trillion](http://www.pewresearch.org/fact-tank/2016/04/06/the-biggest-u-s-tax-breaks/) every year in tax subsidies to pay for it.

592612

Germany is substantially cheaper than the London . You would need at least double your current income to maintain the same lifestyle in London. Even then, you will likely have to settle for a cramped housing or a long commute. Java developers are largely contractors in the UK. Typical wages and rates can be found at www.itjobswatch.co.UK Wages go up and down depending on supply and demand. Don't quit till you have another offer.

592619

> There's always another fresh-faced new grad with dollar signs in his eyes who doesn't know enough to ask about outstanding shares, dilution, or preferences. They'll learn soon enough. > Very few startups are looking for penny-ante 'investor' employees who can only put <$100k. You'll probably find that the majority of tech startups are looking for under $100k to get going. Check out kickstarter.com sometime. > Actual employees are lucky if they can properly value their options, let alone control how much it ends up being worth in the end. If you're asked to put in work without being fully compensated, you are no longer an employee. You're an investor. You need to change your way of thinking.

592636

Go to fidelity.com and open a free brokerage account. Deposit money from your bank account into your fidelity account. (expect a minimum of $2500, FBIDX requires more I believe) Buy free to trade ETF Funds of your liking. I tend to prefer US Bonds to stocks, FBIDX is a decent intermediate US Bond etf, but the euro zone has added a little more volatile lately than I'd like. If you do really want to trade stocks, you may want to go with a large cap fund like FLCSX, but it is more risky especially in this economy. (but buy low sell high right?) I've put my savings into FBIDX and FGMNX (basically the same thing, intermediate bond ETF funds) and made $700 in interest and capitol gains last year. (started with zero initially, have 30k in there now)

592649

What he is describing is incredibly common in Scandinavian corporate structure. I can send an email to anyone in the company. I can discuss things and ask questions across departments no problem. Decisions however need to go through the hierarchy, but I can do all the groundwork and investigate the angles **before** I bring a proposed solution to my manager. It makes us agile and fast at solving issues and it just makes sense. It does require people to not be obsessed with the power of their position and trying to take all the credit. Luckily that kind of attitude is not that common in at least the Swedish corporate world.

592654

"When I was in a similar situation (due to my stocks going up), I quit my job and decided that if I live somewhat frugally, I wouldn't have to work again (I haven't). But I fell victim to some scams, didn't invest wisely, and tried to play as a (minor) philantropist. Bad move. I still have enough money to live on, and want to buy a home of my own, but with the rise in real estate costs in ALL the ""good"" major cities my options are very limited. There is a LOT of good advice being given here; I wish someone had given me that kind of advice years ago. $1,200,000 sounds like a lot but it's not infinity. Side comment: I've seen lots of articles that claim to help you figure out how much money you need in retirement but why do they all start out by asking you ""how much money do you need in retirement?"""

592661

Google 'information ratio'. It is better suited to what you want than the Sharpe or Sortino ratios because it only evaluates the *excess* return you get from your investment, ie. return from your investment minus the return from a benchmark investment. The benchmark here could be an index like the S&P500.

592663

Assuming you are NRI, any income you earn is not taxable in India whether you transfer to India or not. Is this amount taxable in India? If yes then how much I have to pay as tax. No it is not taxable. How to fixed Deposit this money from Saudi Arabia or from India through my husband or parents? You can open Fixed Deposits in your name or your husband/parents name. It is your choice. Some Banks allow you to operate an NRE account via Internet If I put this money in 2-3 FD's (like 5 lakh one FD and 2 or 3 lakh other FD's) then the interest earned is taxable? Interest is taxable. Can I withdraw any FD without maturity if needed in urgent? That depends on type of FD you have opened. Some allow withdrawal before maturity with a penalty other don't allow.

592665

The paragraph before on page 115 states: Scaling corresponds to having a weight in the long and short legs that is different from one and varies over time, but the strategy is still self-financing. Meaning that the long and short positions are no longer equal due to weighting one side more highly than the other. The weighting of one side (either long or short) is the number between 0.2 and 2 that you mention.

592670

No. Credit scores are primarily built by doing the following: To build credit, get a few major credit cards and a couple of store cards. Use one of them to make routine purchases like gas and groceries. Pay them on time every month. You're good to go. I would hate to sell stocks to pay off a loan -- try finding a better loan. If you financed through the dealer, try joining a credit union and see if you can get a better rate.

592671

Your dislike for free trade scares me. Shopping for lower wagers in order to bring production cost down is extremely beneficial to both the surrounding production area and the receiving consumers of the products. If it isn't beneficial then the company loses demand and eventually fails. I believe where you hatred stems from is fiat currency and foreign affairs. Free market has its con-men and hustlers but that is far better than government control. You decide what you spend your money in and no one else can say otherwise.

592674

"> all other things being equal, it’s better to have **lots of stores** complimenting a decent online operation back in the 60's in Econ class we were studying the automobile industry. the Prof was a leading car expert. one student asked why GM sold the most cars (then, near 50%) and his answer was amazing. Prof. Scherer said ""they have more dealerships"" more opportunity to buy"

592676

I don't know how any Kmart stores are still open. How can a store that is dirty, run down, dated, and has higher prices compete with Target and Walmart? Not to mention Kmart employees act like they are there for community service.

592679

Yes. Savings accounts and CDs today pay almost nothing. They are not a way to grow your money for the future. They are a place to keep some spare cash for emergencies. I don't have such accounts any more. Personally, I generally keep about $2000 in my checking account for any sudden surprise expenses. Any other spare money I have I put into very safe mutual funds. They don't grow much either, but it's better than what I'd get on a savings account or CD.

592680

I'll offer another answer, using different figures. Let's assume 6% is the rate of return you can expect. You are age 25, and plan to retire at age 65. If you have $0 and want $1M at retirement, you will need to put away $524.20/month, or $6,290.40/year, which is 15% of $41,936. So $41,936 is what you'd need to make per year in order to get to your target. You can calculate your own figures with a financial calculator: 480 months as your term (or, adjust this to your time horizon in months), .486755% as your interest (or, take your assumed interest rate + 1 to the 1/12th power and subtract 1 to convert to a monthly interest rate), 0 as your PV, and $1M as your FV; then solve for PMT.

592686

Sounds like some kind of quantitative research role would be up your alley. What kind of programming experience do you have? At my firm there are a bunch of quants who work primarily in MATLAB/R, but also work with scripting languages like Python and associated data packages (pandas, numpy, etc.).

592709

If you can afford to put more money into the 401(k) -- which is what paying yourself back at a higher rate than you're earning would amount to -- why not just put more money into the 401(k)? Or into an IRA, if you've maxed out what the 401(k) will allow. That would seem to have the same positive effects you're looking for, while avoiding the negative ones.

592714

The reason that I and many others recommend term rather than permanent life insurance is that the expenses charged for investing through permanent life insurance are so high. Everyone was alluding to that truth in their comments above, but the actual numbers would astound you. The commission that your agent receives for your purchase can be as high as the entire first year of premiums that you pay. (Only on the whole life portion). Instead you could get a term life policy from a company like USAA (I mention them because they are very competitive, so compare your other quotes to them) for $500k at a cost of about $30/month on a 30 year term. Don't take my word for it, get quotes on the Internet and consider the cost savings. Ask this salesman, ahem, I mean advisor, what kind of commission he will earn over the lifetime of your investment. He won't give you a straight answer. He'll talk about tax advantages as if there aren't better retirement accounts that were designed to be retirement accounts. Or buy it from him, it's only money.

592719

Looks like a user-contributed list is the only good solution to this question, so I'll start one by making this answer community wiki, meaning anyone can edit it. We only aim to add major chain, not every mom&pop store (which probably don't qualify). The rewards details page looks like this: The lists are in alphabetical order.

592720

We have five domestic breeds: pink, Chum, sockeye, coho, Chinook (king, spring are other names). They have very distinct characteristics on size and shape and even taste. They look quite different when they spawn. Sockeye turn red. Chum turn purple. Pink get this ugly hump. Atlantic have their own characteristics that are different from our five wild breeds.

592743

>The laws of physics are absolute. The laws of man can be bent and twisted. Come on, you know that. And it seems that Donald Trump follows the laws of man. I'm sure if they are changed, he will follow the new ones. Should he be following a different set of rules that aren't on the books? Where does someone find these rules? >Don't be naive about Trump. He'll fuck you in the ass and leave you for dead in the blink of an eye. Trump is a con man front to back. When did I say I would ever partner with him? His string of failures is enough to show that being a partner with him is certainly a high risk affair, with a very high hurdle rate needed to overcome his track record.

592746

">Every single grocery store is ""consumerist."" I've been shopping at Whole Foods for (almost) 30 years, and the reason is because Whole Foods has put its research into discovering what and how to serve me, and then delivering. The experience of shopping in a Safeway, Albertson's or the like is ugly, uncomfortable, cold and smelly. They are too big and take forever to get from one item I want to another. They are filled with junk they are trying to trick me into thinking is nutritious. And they've tricked you into thinking they aren't. I mean if your biggest problem in life is the appearance of your store, fine, but underneath all the faux wood and fake-ass decor designed to make you think it's ""rustic and natural "", every last trick in the retail book is being used on you. They do sell junk, it's just packed differently. >What makes you think Whole Foods is in any way MORE deceptive than Walmart, Publix, Costco, etc? Because they responded to a market that wanted **quality** food that could be traced back to it's source? Why wouldn't they respond to that? Because, despite being pretty much the same thing, they make a lot of noise about not being the same so they can charge you a premium. I could trace back food in just about any store I go into, why should WF get a cookie for this? The packages come with labels and even if they don't, the case that held those items did, which means that knowing where your food came from never gets more complicated than asking the staff. To me, those things ARE deceptive, because they're marketing things that everyone does as though it's a unique selling point. Even Walmart has farm to table sourcing. It's in a QR code on their salads. >I'm *thrilled* that it is. That means I can access food that I want and enjoy, and it costs less than it would otherwise. I can buy sugar-free bacon at Whole Foods. YAY! I feel great about that. I can't get that at Safeway. Ever read the label on bacon? There's not a lot of sugar there to start with. >Do you think commercial food producers and other grocery outlets don't collectively FAR outspend Whole Foods to promote less nutritious food that is as inexpensive as possible to produce? That they don't sacrifice quality for profits? Not really, I think whole foods has hoodwinked a whole bunch of millennials into believing the hype that just because they have a farmers market decor that somehow they're better and more pure than other stores. Almost every business in a capitalist economy sacrifices quality for profits. That's how it works. I don't like whole foods because they're tricking gullible people like you into thinking that they give a single shit about you or your health. They don't, they care about the money in your wallet. It's all commercial food, it comes from the same fields."

592756

It is a very good idea to spread your ISAs over more than one stock broker. However now that a lot of stock brokers charge an admin fee it can get expensive if you use too many. There is no need to tell your last year’s ISA provider that you are using a different one, however you MUST ONLY pay into one ISA provider in each tax year.

592780

How realistic is it that I will be able to get a home within the 250,000 range in the next year or so? Very unlikely in the next year. The debt/income ratio isn't good enough, and your credit score needs to show at least a year of regular payments without late or default issues before you can start asking for mortgages in this range. You don't mention how long you've been employed at these incomes, this can also count against you if you haven't both been employed for a full year at these incomes. They will look even more unfavorably on the employment situation if they aren't both full time jobs, although if you have a full year's worth of paychecks showing the income is regular then that might mitigate the full time/part time issue. next year or so? If you pay down your high interest debt (car, credit cards), and maintain employment (keep your check stubs and tax returns, the loan officer will want copies), then there's a slight chance. And, from this quick snap shot of our finances, does it look like we would be able to qualify for a USDA loan? Probably not. Mostly for the same reasons - the only time a USDA loan helps is when you would be able to get a regular loan if you had the down payment. Even with an available down payment of 50k, you wouldn't be able to get a regular loan, therefore it's unlikely that you'd qualify for a USDA loan. If you are anxious to get into a house, choose something much smaller, in the 100k-150k range. It would improve your debt/loan ratio enough that you might then qualify for a USDA loan. However, I think you'd still have issues if you haven't both been employed at this rate of income for at least a year, and have made regular payments on all your debts for at least a year. I'll echo what others have suggested, though, strengthen your credit, eliminate as much of your high interest debt as you can (car, credit cards), and keep your jobs for a year or two. Start a savings plan so you can contribute a small down payment - at least 3-5% of the desired home price - when you are in a better position to buy. During this time keep track of your paycheck stubs, you may need them to prove income over the time period your loan officer will request. Note that even with a USDA loan you still have to pay closing costs, and those can run several thousand dollars, so don't expect to be able to come to the table with no cash. Lastly, there's good reason to be very conservative regarding house cost and size. If you can, consider buying the house as if you only had the 46k per year. Move the debt to the person making the lower income, and if you buy the house in the name of the person only making 46k per year, then the debt/loan ratio looks very positive. Further it may be that the credit history of that person is better, and the employment history is better. If one of you has better history in these ways, then you might have a better chance if only one of you buys the house. Banks can't tell you about this, but it does work. Keep in mind, though, that if you two part ways it could be very unhappy since one would be left with all the debt and the house would be in the other's name. Not a great situation to be in, so make sure that you both carefully consider the risks associated with the decisions made.

592781

"Can everybody just sit back and grasp the concepts flying around this topic for a moment? The *federal government* wants to tell broadcasting networks what kind of compression chain to use for their commercials. How the flying fuck does one *comply* with this kind of regulation? Will networks need to abandon hard-limiting compressors in favor of volume normalization? (Meaning: the government will require networks to favor one brand of compression product, creating an unfair competitive disadvantage for those companies who make simpler, more reliable compression gear sans the algorithmic audio ducking engines). What constitutes a breach of said regulation? How does the federal government measure compliance? If anybody could provide a source for the actual regulations from the FCC itself, that would be great. We should really be picking *that* apart as opposed to the dumbed-down ""Today Show"" version of the regulation. But right now, I see no way to combat the claim that this is a fucking idiotic and completely impractical legislation that no networks will actually comply with. There's just no way, from my experience as a audio broadcasting engineer, that this can be enforced. If networks *do comply* voluntarily, it will end up being an enormous burden, both cost-wise and logistically, to implement effectively. This seems like a gradual step towards regulating the dynamic levels on the side of the commercial developers themselves. After the voting public forgets that the FCC implemented this regulation, they're going to say: now that this is a matter of the federal government, we *need* to control the commercial producers themselves because the previous efforts failed."

592785

This is a variation of a very common scam. The principle of the scam is this: I give you a check for a huge amount of money which you pay in your account. Then I ask you to pay some money from your account into a third account. Two months later the bank detects that my check was forged / stolen / cancelled / whatever and takes the huge amount of money away from your account. But you paid the money from your account, and that money is gone from your account and irrevocably ended up in my account.

592796

Transfers are defined to arrive on a specific number of business days, nearly always one business day (if you submit it before the cutoff time). The exact number of days depends on the receiver bank, but when you try to create a transfer, it will tell you when it will arrive, before you send it out.

592801

Is it true there are magical boxes that you can carry around with you and communicate with each other in the US? Here we only have snakes and elephants and we shit on the street next to our payphones, which I learned today you can make international calls from.

592805

Probably to some degree, but if it isn't connected to the internet it's much more difficult. They can't legally listen to you without a wire tap warrant, but they could ask Microsoft to listen, record, and share your information since you gave Microsoft permission to constantly listen in. And it isn't just the government. Who knows what Microsoft is listening for. Target has used purchase records to [figure out who is pregnant](http://www.forbes.com/sites/kashmirhill/2012/02/16/how-target-figured-out-a-teen-girl-was-pregnant-before-her-father-did/). Microsoft would have a perfectly legal way to spy *much* more intrusively than Target. [Polls show](https://www.eff.org/deeplinks/2013/10/polls-continue-show-majority-americans-against-nsa-spying) that government spying (the NSA issues being the most well known) are a big concern. I'd be very surprised if I was the only one came to the same conclusion. And yes. Microsoft changed their policies on the constant internet connection and mandatory always on Kinect, but I think the damage was already done.

592815

My love for Netflix is posted in /r/economy due to the fact that my love for it is simply because of the economic benefit. No, I am not considering investing, though I posted it in this subreddit due to the fact that my love for it is the money I save off of paying the $10 a month for multiple movies that would cost more elsewhere.

592828

I can't wait for a > 5 inch screen iPhone. I had a 3GS and replaced it with a Samsung Note 2 just for a big screen as I mostly use my phone for internet on the go. After putting up with the Samsung's shitty software for the last two years I'm ready to go back!

592841

The era of industrial, mega brewers producing bland beer has reached its peak and entered decline People are discovering, and re-discovering gourmet beer and food No, InBev will not die soon, but they will not grow at the rate they hoped for. I would bet they actually shrink

592859

It is also not helped that governments globally are pressing banks to improve capital ratios; i.e. hold more in reserve. While this will reduce the likelihood of a bailout in the near future, it severely reduces the access to money and damages the economy.

592869

TRAVEL GUYS ONLINE provide to travelers with a vast range of accommodation and flight options. We allow them to make an informed judgment by comparing prices and facilities of different hotels. We also provide adventure tour, you can Book Cheap adventure tour on our website. Through our website you can get pictures of hotels and rooms, information on prices and deals, reviews by travelers, etc., making it a lot easier for people to make bookings.

592886

">No one is to blame other than these antiquated ceos that are so out of touch with the public. If half of your failed aplicants are failing due to mj maybe its time reevaluate your requirements perhaps ? The excuse of saftey concerns is completely misleading bs. I wonder how many current employees most likely use mj regularly. Fact is the general public view mj as more innocuous than alcohol yet these companies use its illegality as a reason to dodge isurance claims when thier employees are injured. Most frustrating part of this article is when he complains about being unable to compete with germany ...you know why ? Because most of Europe doesnt have completely invasive drug testing procedures and instead recruits based on qualification and performance like any good company should. The safety concern is real. A single injury in the workplace can cost upwards of $20K. That's serious money, and if our workplace injury involves multiple people, damaged equipment, and so on, you do the math. It's not a ""bullshit"" concern, it's the potential to be on the hook for serious money when someone impaired by a drug injures himself and needs to go to the hospital or perhaps maims someone else who has the misfortune to be working with him that day. There are workplaces that are dangerous enough when everyone is sober. Adding drugs or alcohol to that mix is pretty much planning on maiming or killing one of your employees. Secondly, basing a policy on what the general public (99% of whom know nothing about pharmaceuticals) think are dangerous drugs is a terrible way to make that sort of decision. People think aspirins are harmless, which is why people overdose and severely damage their livers. If you took a poll, most people wouldn't know that OTC pills can be dangerous. Doesn't change the fact that they can be. People misjudge the dangers of all kinds of things they do everyday. Don't base your opinion on what the general public thinks is true. Base it on facts. As for the illegal thing -- I'm sure you'd willingly turn over all your bank accounts and credit cards to a guy who is actively breaking the law for his own personal pleasure. Such a person would surely never be tempted to bend other laws when it suits them, would never lie on a financial statement or legal document, and would never ever consider stealing from you, right? That's a pretty big risk. In a lot of jobs, the only thing you have is trust because they have the data and you don't. And willingness to break the law shows that you can't be trusted."

592890

The screener at FinViz.com will let you screen for stocks at their 52-week low.

592891

Do I make money in the stock market from other people losing money? Sometimes. If the market goes down, and someone sells -- on a panic, perhaps, or nervousness -- at a loss, if you have extra cash then you can buy that stock on the hope/expectation that its value will rise.

592892

It's a good question, I am amazed how few people ask this. To summarise: is it really worth paying substantial fees to arrange a generic investment though your high street bank? Almost certainly not. However, one caveat: You didn't mention what kind of fund(s) you want to invest in, or for how long. You also mention an “advice fee”. Are you actually getting financial advice – i.e. a personal recommendation relating to one or more specific investments, based on the investments' suitability for your circumstances – and are you content with the quality of that advice? If you are, it may be worth it. If they've advised you to choose this fund that has the potential to achieve your desired returns while matching the amount of risk you are willing to take, then the advice could be worth paying for. It entirely depends how much guidance you need. Or are you choosing your own fund anyway? It sounds to me like you have done some research on your own, you believe the building society adviser is “trying to sell” a fund and you aren't entirely convinced by their recommendation. If you are happy making your own investment decisions and are merely looking for a place to execute that trade, the deal you have described via your bank would almost certainly be poor value – and you're looking in the right places for an alternative. ~ ~ ~ On to the active-vs-passive fund debate: That AMC of 1.43% you mention would not be unreasonable for an actively managed fund that you strongly feel will outperform the market. However, you also mention ETFs (a passive type of fund) and believe that after charges they might offer at least as good net performance as many actively managed funds. Good point – although please note that many comparisons of this nature compare passives to all actively managed funds (the good and bad, including e.g. poorly managed life company funds). A better comparison would be to compare the fund managers you're considering vs. the benchmark – although obviously this is past performance and won't necessarily be repeated. At the crux of the matter is cost, of course. So if you're looking for low-cost funds, the cost of the platform is also significant. Therefore if you are comfortable going with a passive investment strategy, let's look at how much that might cost you on the platform you mentioned, Hargreaves Lansdown. Two of the most popular FTSE All-Share tracker funds among Hargreaves Lansdown clients are: (You'll notice they have slightly different performance btw. That's a funny thing with trackers. They all aim to track but have a slightly different way of trading to achieve it.) To hold either of these funds in a Hargreaves Lansdown account you'll also pay the 0.45% platform charge (this percentage tapers off for portolio values higher than £250,000 if you get that far). So in total to track the FTSE All Share with these funds through an HL account you would be paying: This gives you an indication of how much less you could pay to run a DIY portfolio based on passive funds. NB. Both the above are a 100% equities allocation with a large UK companies weighting, so won't suit a lower risk approach. You'll also end up invested indiscriminately in eg. mining, tobacco, oil companies, whoever's in the index – perhaps you'd prefer to be more selective. If you feel you need financial advice (with Nationwide) or portfolio management (with Nutmeg) you have to judge whether these services are worth the added charges. It sounds like you're not convinced! In which case, all the best with a low-cost passive funds strategy.

592907

Usually their PE ratio will just be listed as 0 or blank. Though I've always wondered why they don't just list the negative PE as from a straight math standpoint it makes sense. PE while it can be a useful barometer for a company, but certainly does not tell you everything. A company could have negative earnings for a lot of reasons, some good and some bad. The company could just be a bad company and could be losing money hand over fist, or the company could have had a one time occurrence such as a big acquisition or some other event that just affected this years earnings, or they could be an awesome high growth company that is heavily investing for their future and forgoing locking in profits now for much bigger profits in the future. Generally IPO company's fall into that last category as they are going public usually because they want an influx of cash that they are going to use to grow the company much more rapidly. So they are likely already taking all incoming $$ and taking on debt to grow the company and have exceeded all of those options and that's when they turn to the stock market for the additional influx of cash, so it is very common for these companies not to have earnings. Now you just have to decide if that company is investing that money wisely and will in the future translate to actual earnings.

592914

"This is called ""change"" or ""movement"" - the change (in points or percentage) from the last closing value. You can read more about the ticker tape on Investopedia, the format you're referring to comes from there."

592915

Since you're coming out of college, you're probably a new investor and don't know too much about stocks, etc. I was in the same situation as well. I wanted to keep my cash 'liquid' and wanted to make low risk investments. What I ended up doing was investing the majority of my money in higher interest GICs (Guaranteed Investment Certificate) and keeping the rest in my chequing/savings account. I understand that GICs aren't exactly the most liquid asset out there. However, instead of investing it all into 1 GIC, I put them in to smaller increments with varying lock-in times and roll-over options. I.e. for 15000 keep $3000 on hand in your account 2x$1000 invested for 2 years 4x$1000 invested for 1 year 3x$1000 invested for 180 days 3x$1000 invested for 90 days When you find that you run out of cash from your $3000, you'll have a GIC expiring soon. The 'problem' with GICs is that redeeming them before the maturity period usually incurs a penalty in the form of no interest. Keeping them in smaller increments allows you to redeem only the amount you need without losing too much interest. At maturity, if you don't need the money, you can just have the GIC renew. The other problem with GICs, is that interest rates, though better than savings accounts, aren't that much more. You're basically just fighting off inflation. The benefit is that on maturity, you are guaranteed your principal and the interest. This plan is easy to implement if your bank/credit union allows you to create and manage GICs online.

592920

I was also disgusted that the Dems decided she was the chosen one, but she is not mentaly off the rails like Chump.  What worried me about her is she blows with political winds and may have tried to prove herself tough by being a war hawk.  I don't think she would have been nearly as dangerous and reckless, and certainly not as mean, absent and expensive as Chump.

592926

You will have to pay your taxes in the UK not USA. For tax purposes it is the company's tax residency not where the server is located. You are just hiring a server in USA. Take for example a CDN being used for your same service then would you pay taxes in 300 different countries if you use Akamai? Does not work that way.

592940

"This is the best tl;dr I could make, [original](https://qz.com/786382/monsanto-bayer-dupont-dow-chemical-and-syngenta-defend-their-coming-oligopoly-mon-dd-dow-syt/) reduced by 81%. (I'm a bot) ***** > On Aug. 22, Chinese state-owned China National Chemical Corp. was cleared by US regulators to proceed with its $42 billion purchase of Swiss chemical and seeds company Syngenta. > Consumers advocates say they worry the mergers will usher in a "New era of sterile crops soaked in dangerous pesticides." Farmers worry that less competition in the marketplace will give the merged companies an ability to increase prices of seeds and chemicals-something that would be particularly harmful during a time when US farm incomes are dropping. > It's not just a case of American farmers needing more technologically advanced tools; it's also a white flag from big agribusiness companies struggling with the fact that, despite all their efficiencies and inventions, the US market is demanding supplies that let farmers grow more profitable and less complicated organic and all-natural foods. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/73b5kb/six_corporations_monsanto_bayer_dupont_dow/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~219197 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*: **company**^#1 **farm**^#2 **merger**^#3 **Chemical**^#4 **consumers**^#5"

592966

On the face of it, it doesn't look like a very good deal - neither pension not annuity company are in it for the fun of it, so they'll take their cut from your money, and then invest it anyway. The rest depends on what they promise you - if they just promise you market returns then I don't see much sense to do it, you can do it yourself. If they promise you some pre-defined average return not depending on market conditions (and hope to get ahead by actually getting better return and pocket the difference) then it might make sense, if you are not a very proficient investor. This will get you a known benefit you can count on (at least if you get a company with good rating/insurance/etc.) without worrying about markets volatility and having to keep the discipline and calm when markets jump around. It may be hard, especially for somebody of advanced age. Also, there's the part of government adding money - it depends on how much of it is added, is it enough to cover the extra fees?

592971

I've been monitoring tickets to Hawaii from AZ for the past year or so and have not seen anything advertised under $650. It seems in the past every so often I'd get an email from Hawaiian air for a low fare of $380 or so. Sucks.

592979

"I think there are two questions here: (a) Is it better to continue living with your parents while you save up for a bigger down payment on a house, or to move out as soon as possible? (b) Is it better to pay off a student loan and make a smaller down payment on the house, or to keep paying on the student loan and use the cash for a larger down payment on the house? Regarding (a), this is mostly a personal priorities question. You don't say if you're paying your parents anything, but even if you are, it's likely a lot less than the cost of your buying your own home. It is almost certainly ECONOMICALLY better to stay with your parents. But do you like living with your parents, and do they like having you around? Or are they pushing you to move out? Are you fighting with them regularly? Do you just like the idea of being more independent? If you'd prefer to have your own place, how important is it to you? Is it worth the additional cost? These are questions only you can answer. Regarding (b), you need to compare the cost of the student loan and the mortgage loan. Start with the interest rates of each. For the mortgage loan, if your down payment is below a certain threshold -- 20% last time I bought a house -- you have to pay for the lender's mortgage insurance, so add that in if applicable. If you are paying ""points"" to get a reduced interest rate, factor that in too. Then whichever is more expensive, that's the one that you want to make smaller. If one or both are variable rate loans (well, you say the student loan is fixed), than you have to guess what the rates might be in the future."

593003

He is worth $17.5 billion today Note that he is worth that dollar figure, but he doesn't have that many dollars. That's the worth of his stake in the company (number of shares he owns times the assumed value per share), i.e. assuming its total value being several hundreds of billions, as pundits assume. However, it is not a publicly traded company, so we don't really know much about its financials.

593017

"I understood everything until ""Party B gets $3 from A but still owes his bank $4.25."" Doesn't B only owe $3 to his bank after the prime is now 2%? I understand though that B is paying out $4.25 but only receiving $3, thus having a net of -$1.25"

593027

Linking life to work is the absurd part. That's why I support the universal basic income. It eliminates the need for a minimum wage and goes some distance in decoupling human life from economic values. Also what's up with the predominantly black neighborhood line? If you meant poor area or bad part of town its better to use those words.

593028

"> Why not lobby for single-payer healthcare and a universal basic income like $1000/mo/adult and $500/mo/child? I like both your ideas. I don't know all the answers but I think our system can do better but I am fed up with trickle-down solutions like ""let the rich keep more of their money"" or ""let the free market work""."