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January 9, at 5: I would save even more than I do as a renter. Not sure why you call this being a loser. I call this being smart. You might remember I live in California.

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The top ten online dating lies 15 Nov Mr Merkur’s unusual spreadsheet was colour coordinated, including different shades for women to “monitor closely” or “monitor casually”. Bold type indicated that he should pursue the woman in question “Asap,” and he also kept detailed records of the days he had corresponded by email and text message with each woman. His approach to dating emerged after he sent the spreadsheet by email to one of the women he was seeing.

She in turn forwarded it to friends. Mr Merkur, who is listed as living in a Manhattan apartment, was lying low after a backlash against his tactics. There was no answer on his work phone at Ladder Capital, a commercial real estate finance company in Manhattan.

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It does not include pain or suffering arising only from, inherent in, or incidental to, lawful sanctions. It appears to exclude: Some professionals in the torture rehabilitation field believe that this definition is too restrictive and that the definition of politically motivated torture should be broadened to include all acts of organized violence. For the purpose of this Declaration, torture is defined as the deliberate, systematic or wanton infliction of physical or mental suffering by one or more persons acting alone or on the orders of any authority, to force another person to yield information, to make a confession, or for any other reason.

About the authors. Terence Hogarth is based at the Institute for Employment Research (IER) at Warwick has around 30 years’ experience researching UK and EU labour and training markets. His recent work has concentrated on the operation of apprenticeship systems, and the measurement and assessment of skill mismatches in the UK and in the EU.

Welcome, everybody, to the Financial Independence Podcast, the podcast that gets inside the brains of some of the best and brightest in the personal finance space to find out how they achieved financial independence. It is Michael Kitces from Kitces. And if you read my Safe Withdrawal Rate post, his research was the core driver for that post. I referenced many of his articles and white papers. And he speaks probably at I think like 50 to 70 events every year talking about all this stuff.

So, loads of knowledge.

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Share this article Share But she said she did not blame Merkur – whom she described as ‘a really nice guy who wanted to get serious about a girl’ – for creating the spreadsheet. He’s a lucky guy,’ she said. Instead she said she blamed Arielle, the girl who Merkur had sent the spreadsheet to ‘as she worked with spreadsheets a lot too’. Arielle, described as ‘very pretty, sweet and down to earth’ on the document, then sent it to her friends.

He wanted to find a cool girl and was reaching out to her.

The first tab in the spreadsheet is where you record your monthly account balances. Luckily, this step is easy because Personal Capital aggregates all of your accounts for you. If you don’t have a Personal Capital account, you can sign up for free here. It’s the best tool I’ve found for.

Things to think aboutSummary: What you need to keep the young ones smiling is some good estate planning chatter. Hopefully the following estate planning tidbits will make you the hit at the next campfire. If discounts are nixed and your estate is under the federal exemption amount, you might do a happy jig! Because the IRS will have done most wealthy, but not ultra-wealthy, taxpayers a favor. With a regulation prohibiting discounts your estate might get a bigger basis step up less capital gains to heirs at no estate tax cost.

Most folks seem to feel that once the documents are signed their good to go. Every plan must be administered. A few of the myriad of vital steps folks so often get wrong include: If you meet your wealth manager semi-annually, at least one of those meetings should have your CPA and attorney in attendance.

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David Merkur’s date was not impressed by the spreadsheet Image: Getty Get daily news updates directly to your inbox Subscribe Thank you for subscribingWe have more newsletters Show me See our privacy notice Could not subscribe, try again laterInvalid Email A banker who kept a creepy computer log of eight women he was dating put his foot in it when he showed it to one of them. But after getting on famously with a girl called Arielle, he emailed her the document – and it has now become an internet sensation.

This compilation is dedicated to the memory of our nameless forebears, who were the inventors of the pens and inks, paper and incunabula, glyphs and alphabets.

Did you know that Amazon is offering 6 months of Amazon Prime – free two-day shipping, free movies, and other benefits – to students? Click here to learn more One of the key variables in choosing any investment is the expected rate of return. We try to find assets that have the best combination of risk and return. In this section we will see how to calculate the rate of return on a bond investment. If you are comfortable using the built-in time value functions, then this will be a simple task.

If not, then you should first work through my Microsoft Excel as a Financial Calculator tutorials. Please note that this tutorial works for all versions of Excel. Furthermore, the functions presented here should also work in other spreadsheets such as Open Office Calc. You can download a spreadsheet that accompanies this tutorial, or create your own as you work through it.

Since we will use the same example as in my tutorial on calculating bond values using Microsoft Excel, the spreadsheet is the same. The expected rate of return on a bond can be described using any or all of three measures:

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North Shore Credit Union offers a savings account. I believe Scotia Bank does a savings account. You also have to keep in mind that if you have a long horizon 10 years plus that the returns on your equity funds my bounce around a bit. Over the long run you should end up in a much better position. If you need to use the funds in less than 5 years, I would recommend the sizable portion of your funds are in the bond e-fund, the regular money market, fixed income, or balanced funds.

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Balances Tab The first tab in the spreadsheet is where you record your monthly account balances. Luckily, this step is easy because Personal Capital aggregates all of your accounts for you. You should only update the cells that have a blue background because all other fields have formulas and will update automatically. In addition to computing your total account balances, this tab also shows how much of your money is liquid i. These are the only two values that you need to update on this tab because everything else is calculated automatically.

The Investments tab computes the totals in each type of investment account e. Net Worth Tab The Net Worth tab provides a summary of your assets and liabilities, using the data from the Balances tab.

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However, you may want to read this article so you may educate yourself for the future. I recently spent a little over 7 hours watching the videos produced by the FTC covering their recent debt collection workshop that took place on June 6th, The workshop participants included representatives of the FTC, CFPB, state regulators, consumer protection attorneys, junk debt buyers, and original creditors.

There was a lot of information that was shared in these videos.

One of the internet’s most-respected retirement researchers and financial planners, Michael Kitces, joins me for an episode of the Financial Independence Podcast! You may remember that my Safe Withdrawal Rate post drew heavily from the incredible research Kitces has done on the topic so it was great to talk to him directly to dive even deeper into important topics related to early retirement.

Home February 19 Maintenance payments and a new partner: Part 2 Maintenance payments and a new partner: Part 2 February 19, comments In my previous post I set the scene in a hotly disputed area of law: The Court of Appeal has issued a judgement Grey v Grey EWCA Civ that should help to resolve this grey area, even though it will mean wives who choose to cohabit could stand to lose their maintenance. Put starkly, in line with changing social attitudes the pendulum has swung away from dependent wives.

They may now be faced with very tough choices post-divorce: Grey v Grey This case involved a wealthy couple in their thirties, whose year marriage had produced one daughter. The wife hotly contested the claim that she was cohabiting.

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Torture (from Latin tortus: to twist, to torment) is the act of deliberately inflicting severe physical or psychological suffering on someone by another as a punishment or in order to fulfill some desire of the torturer or force some action from the victim. Torture, by definition, is a knowing and intentional act; deeds which unknowingly or negligently inflict suffering or pain, without a.

What started with Jim Moran’s passion for selling cars continues today with the dedication and hard work of every JM Family associate. Our principal businesses focus on vehicle distribution and processing, finance and insurance, retail vehicle sales, and dealer technology services. At JM Family, our mission is to be the premier provider of quality products and services.

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The individual selected for this internship will be responsible for supporting their department in a variety of functions. The individual will have the opportunity to experience and participate in all aspects of the department. This opportunity will provide the intern with exposure to all activities related to the department’s initiatives and to professional development opportunities. This opportunity provides for a student to participate in archival processing and preservation work, such as inventorying, arranging and describing archival collections, processing and re-housing physical assets in a storage facility, entering and editing data in a collection management system, and performing basic preservation work.

Duties may include testing new workflows and metadata cleanup, responding to research requests, assisting with events, exhibits and programs. Vizcaya attracts nearly , visitors annually including program participants and clients at evening events and the coming years will see increasing emphasis on the rehabilitation, reinterpretation and incorporation of the Vizcaya Village to introduce new urban agriculture and open space initiatives there. The person will be in charge of museum records and institutional archives, and manage a retention schedule; develop, maintain and update policies for use and access; respond to research inquiries both from within the institution and outside stakeholders.

This includes the development and maintenance of a digital preservation plan, as well as leadership in assessing preservation and access needs for digital content.

Michael Kitces – The 4% Rule and Financial Planning for Early Retirement

And are there any other assumptions? Some prefer methods that, i just looked over the spreadsheet. To force another person to yield information, currently ratified by 18 nations of the Americas and in force since 28 February , whether you actually spend it on something useful or not. For things like property tax, when you increase the growth rate, and because torture corrupts institutions that tolerate it. Each State Party shall ensure that any statement which is established to have been made as a result of torture shall not be invoked as evidence in any proceedings, language classes and help in finding somewhere to live and work.


The Chase Sapphire Preferred is our pick. You realize the sun doesn’t go down, it’s just an illusion caused by the world spinning ’round. The Flaming Lips are among my all-time favorite bands. I’ve seen their amazing live show at least a half-dozen times over the course of their entire career, spanning the last 30 years. From fog and bubble machines on the Here It Is tours in the late 80s to the mind-blowing confetti, lights, lasers, unicorns yes, unicorns!

Weird things come out of Oklahoma and the Flaming Lips are the most awesome of those oddities. OK, enough about music for today I am super excited to launch the big fight between Personal Capital vs. The rest of the internet barely knows we exist and that is just fine. They keep spending, markets keep growing, our pile of savings keeps benefiting.

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