cpwright

Retirees are also going to be selling down their portfolio as they age for living expenses. The ultra-wealthy are probably not systemically selling out of the equity market.

Ideally, I would have an appliance that recorded from my 6 Ring cameras without going over the internet. But the cost of that in terms of setting up and maintaining a server/software is actually higher than just paying Ring $10/month.

I work making computers do stuff all day, I don't want to futz around with them on my free time. This is also why Apple TV/Tivo has beaten out MythTV in my home.

The ridiculous showers are in part a reaction to the limitations of low-flow shower heads. You can get around the limit of 2.5 GPM per head by having multiple heads that add to more than 2.5 GPM.

You can get Money Stuff emailed to you daily, at about noon eastern, without any Bloomberg subscription.

I think the law made sense in the past so that the formation of a company would be well-known and not a secret. Now that everything is available online, less so. That the publication servicing companies know you exist, advertise directly to you because of that, and need no other information than your payment to do the publication is proof that the law is no longer useful.

You can do it cheaper through a publication company, because they've already negotiated rates with the publishers. Though $1000 seems excessive. In Westchester County, I paid $300. There is a large spread in fees that will be charged.

I wrote to my state assembly person; she wrote back saying A8125 was introduced to repeal the requirement, but no action taken. I would encourage you to write to your assembly person and senator, because this is just a drag on NY businesses.

One of the problems I have with the software is you need to mostly understand a lot of this arcana anyway. It's just that it makes entering things into the form slightly easier.

The only time I didn't do my own taxes and paid a CPA, he messed up even though I told him that I withheld more than required (and gave him last year's return so he could see what last year's taxes were and that I had more than 110% withheld).

He still filled the form out wrong so that I would have had to pay a penalty. Then when I told him he filled it out wrong, he just took the penalty off, without properly updating the 1040. When I ended up getting the inevitable "you owe us a penalty letter", I just ended up dealing with it myself rather than use his boneheaded explanation basically "pretty please" as opposed to the actual "I made more money, and withheld enough more money, so penalties are waived."

Filing taxes does not actually require a separate company to help with. You can download the PDFs (or go to the post office), read the directions and fill them out yourself.

I have never actually done that; but my parents did well after I was using software, which sure is more convenient.

The risk here is that the customer commits fraud by saying they did not receive the TV. Amazon may side with the customer and refund the money; but the merchant should still be able to file a small claims lawsuit or maybe even a police report.

Our company has a 9 and 6 person office in NYC. The space is clean, there are conference rooms available when we need them, and mostly everything works well enough. We mostly don't care about any of the community stuff, just that it is an effective way to get space without a long term lease or the need to worry about an office build out.

Cablevision/Optimum (now Altice) added a modem rental charge and network expansion fee, which was the impetus for me to switch to Fios after having Optimum for 15 years across 3 different homes. I ended up paying almost half for the triple play (it will go up after a year, but is still significantly lower overall even after the discount expires).

The largest amount of revenue comes from the interest spread on cash balances that people have in their accounts.

I agree that they are super durable. My kids are now using the same calculator that I used in high school in the late 90s.

You can get Money Stuff emailed to you for free. If they stop that, I will have to break down and get Bloomberg news.

This is old. Cuomo is forcing Entergy to close Indian Point 2 and 3 in 2020/2021, which were the only financially viable plants mentioned in the article.

The governor's desire to prolong their relicensing process made it more cost effective for Entergy to just agree to close them in 4/5 years, which is a shame because nuclear plants are all about the sunk capital costs.

How would you make it "atomic", unless you have a cash deal; which is rare and likely nets you a worse price (at least in the US).

In NY, the standard is roughly that after signing a contract the buyer writes a check for 10% of the purchase price to the seller's attorney in escrow. This is typically done after a home inspection, but you still have mortgage and potentially other contingencies. If the buyer backs out for a reason not stipulated in the contract, the seller is entitled to the 10% escrow as damages - but that is not going to happen without litigation. If the seller tries to back out, the buyer will have a lien on the property.

Every state and every transaction can be different, but once you get far enough along, it is generally in your interest to have the deal close. If not, you're going to start a months long process pretty much from scratch.

Someone asking for an addition though would be well beyond what is reasonable; and I can't imagine any seller actually agreeing to that.

They offer $1 digital credits if you say "no rush shipping", which is equivalent to a $1 discount/item that you are willing to have shipped together with other items that they'll ship to you anyway.

In our area (NY, north of the city) if you can't get natural gas, you heat with oil not electric. Plenty of people also get propane just for the gas stove. The yearly propane tank rental is about $100, since you'll never meet the minimums for a free tank with just a stove.

Both things can be true: only large companies have been fined, but the cost of compliance means that small companies exit the market or never enter.

Many companies will attempt to follow the rules, even if they think that the probability of getting fined is low.

One of the differentiators between personal and business use is that when I worked for a big corporation they had excellent negotiated rates that always included unlimited mileage and full insurance.

If you rent a car personally, and want to have that same peace of mind, the extras will cost almost as much as the rental itself.

I agree that cost is likely a factor; but not so much renewable cost as cheaply available natural gas due to fracking which changes the economics of every other energy source; including nuclear and renewables.

Or you own the house, but have external factors like your mortgage; or psychological factors like "I don't want to lose money on it." In which case you will pull the house from the market, rather than correcting the price. Or alternatively, not list it in the first place unless you are distressed. Any of these outcomes reduce supply and would cause prices to be stickier.

I have a Guardian 3 sensor from Medtronic, which I've been using for about a year. The initial insertion isn't "painful", but can definitely be uncomfortable, and there might be a bit of blood that leaks into the sensor cavity. Once it is in, there is no discomfort.

The adhesive tape which is needed to attach it to your skin is actually more uncomfortable than the sensor.

Combined with a 670G pump it has been a huge benefit for me. My A1C of 9.0 is now down in the 6's. My pump broke while I was on vacation for a week, and my control was clearly worse with pens and finger sticks than the pump and sensor.

I think the point is that living paycheck isn't indicative of not being able to afford basic necessities. It is the desire to spend most of your income on more than what are actually basic necessities.

Not at all. It's very common to get an M.S. in CS; which is mostly course work to differentiate yourself from a B.S. holder, which because nearly everyone has a degree has less value than in the past.

The reason many M.S.'s are failed Ph.D.s is that is easy to get funding for a Ph.D., but not for an M.S.

On the bottom of every Home Depot receipt is "THE HOME DEPOT RESERVES THE RIGHT TO LIMIT / DENY RETURNS. PLEASE SEE THE RETURN POLICY SIGN IN STORES FOR DETAILS."

Presumbly, Jeff Bezos is not putting out hits on his competitors or disgruntled employees.

We tried the Whistle 3 for our do. It only wants to update every 10 minutes unless you're in "track mode" at which point is every 60 seconds. A dog can cover a lot of ground in that time; so it's OK if the dog just wandered out of your yard; but not useful if he's taken off after a deer (particularly because our local park has marginal cell service).

The ones hunters use are only about a 2.5 second delay.

Just because Zillow facilitates a connection between the buyer/seller doesn't mean the seller isn't going to have an attorney. Heck, in NY even the lending bank has an attorney (which the buyer pays for).

I have a Kinesis ergonomic keyboard with Cherry Red mechanical switches, without it I get wrist pain.