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Repaying Debt and Saving - Difficult Situation | Given the listed expenses, this problem will not have a nice solutions. So lets quickly go through them and see when the most pressing ones can be dealt with: Solved within 1 year: 900 Solved within a few years: 1300: 900+400 You may be able to save a couple of hundred on the rest, but just take a minute to look at the... |
Can I predict if it is better to save money in USD or local currency? | Typically, the higher interest rates in local currency cover about the potential gain from the currency exchange rate change - if not, people would make money out of it. However, you only know this after the fact, so either way you are taking a risk. Depending on where the local economy goes, it is more secure to go wi... |
Is Bogleheadism (index fund investing) dead? | I think you can do better than the straight indexes. For instance Vanguard's High Yield Tax Exempt Fund has made 4.19% over the past 5 years. The S&P 500 Index has lost -2.25% in the same period. I think good mutual funds will continue to outperform the markets because you have skilled managers taking care of your mone... |
Should I make extra payments to my under water mortgage or increase my savings? | I'd pile up as much cash as you can in a savings account - you will need money for the move (even if it's just gas money) and it's going to be hard to predict where house prices are going so you might or might not be underwater when it comes time to sell the house. Or you might be so deep underwater by then that the ex... |
How to evaluate stocks? e.g. Whether some stock is cheap or expensive? | I look at the following ratios and how these ratios developed over time, for instance how did valuation come down in a recession, what was the trough multiple during the Lehman crisis in 2008, how did a recession or good economy affect profitability of the company. Valuation metrics: Enterprise value / EBIT (EBIT = ope... |
How to Store Funds Generated through FX Trading | Earned income is what your software is doing, so it is taxable. So you can't really make it tax exempt. You can form a business and claim the revenues from that business as income and deduct expenses it costs you to earn that revenue. If you buy a server to run your software, then that is an acceptable expense to ded... |
Appropriate model for deferred costs as a line-of-credit | There's no standard formula. You can compare the going rates on the market for unsecured LOCs and take that as the starting anchor. Unsecured lines of credit run in the US at about 8-18%. Your risk should be reflected in the rate, and I see no reason why the rate would change throughout the loan. As to the amount of pr... |
Price Earnings Ratio | Your question asks us to explain why a false statement is true. From the point of view of an investor, a high price to earnings ratio is not necessarily desirable. From the point of view of an investor, a desirable stock is one that is likely to provide future dividends or price increases that more than compensates fo... |
Tax implications of restricted stock units | RSU are taxed when vested, based on their value at that point, as salary. If you don't sell to cover, you need to pay the taxes, if you sell to cover - you sell the portion that is worth the taxes (brokers do that automatically, and remit the taxes on your behalf). Once paid your taxes, it becomes a regular stock posit... |
Job Offer - Explain Stock Options [US] | There are a few other items that you should be aware of when getting options: The strike price is usually determined by an independent valuation of the common shares (called a 409a valuation). This should give you a sense on what the options are worth. Obviously you are hoping that the value becomes many multiple of th... |
What is title insurance, and should I get title insurance for my home? | When we got our mortgage in the state of Washington, in the United States, we had to get title insurance before our lender would loan the money. This ensures that the person selling us the house actually owns the title, clean and clear. If there are any surprises, the insurance covers us (or the lender, really). |
How can I improve my credit score if I am not paying bills or rent? | US based so I don't know how closely this translates to the UK, but generally speaking there are three things that contribute to a strong credit score. Length/volume of credit history. This is a combination of how many accounts appear in your history along with how long they have been open. Having a series of accounts... |
Investing for Dummys | Have a look at my answer to a similar question (asked by a 22 yo) ... Basically |
In a house with shared ownership, if one person moves out and the other assumes mortgage, how do we determine who owns what share in the end? | Both names are on the deed, so the property is jointly owned. You're going to need the second person's signature to be able to sell the property. Ideally the way to know "what happens now" is to consult the written agreement you made before you purchased the house together. The formula for dividing up assets when disso... |
What does it mean that stocks are "memoryless"? | I think that "memoryless" in this context of a given stock's performance is not a term of art. IMO, it's an anecdotal concept or cliche used to make a point about holding a stock. Sometimes people get stuck... they buy a stock or fund at 50, it goes down to 30, then hold onto it so they can "get back to even". By holdi... |
Calculating Future and Present value into mortgage comparisons | You mentioned 15-20 years in your comment on mhoran_psprep's response. This is the most important factor to consider in the points vs. rate question. With a horizon that long it sounds like the points are probably a better option for you. There is a neat comparison tool at The Mortgage Professor's website that may help... |
Why do stock prices of retailers not surge during the holidays? | The expected holiday sales are "known" or actually guessed at beforehand, and stock prices move in line with these expectations before the holiday. If the actual post holiday sales are more or less in line with the "guess," little stock price movement takes place. It's when the actual sales differ (materially) from the... |
Will my wife's business losses offset my income on a joint tax return? | First, filing status. If you and your wife are legally married, you should be filing your tax returns as married, either jointly or separately. In the US, "head of household" has a specific meaning and is for unmarried people who are supporting one or more relatives, per the IRS. If you are working full-time and your w... |
First time home buyer. How to negotiate price? | Often, if your realtor and the selling realtor know each other, your realtor will "discover" what price the seller really wants. (Don't worry about how this is done. There will be no evidence it occurred!) Your realtor will then drop hints that you should aim for that price to ensure the deal goes smoothly. That sounds... |
Buying a more expensive house as a tax shelter (larger interest deduction)? | No. This logic is dangerous. The apples to apples comparison between renting and buying should be between similar living arrangements. One can't (legitimately) compare living in a 600 sq ft studio to a 3500 sq ft house. With the proposal you offer, one should get the largest mortgage they qualify for, but that can re... |
Why can't 401(k) statements be delivered electronically? | Glad my question got bumped. I took it as a sign to get a solid answer out of Schwab. First the rep gave me the same line that it was impossible to provide paperless statements for a 401(k) plan because of "regulations". I pressed the issue and got this from the rep: I just spoke with our dedicated small business plan ... |
Is the stock market too risky for long term retirement funds? Why should a 20- or 30-something person invest in stocks? | The stock market, as a whole, is extremely volatile. During any 3 year period, the market could go up or down. However, and this is the important point,the market as a whole has historically been a good long term investment. If you need the money in 5 years, then you want to put it in something less volatile (so ther... |
Further Understanding of Wash Sale Rules | Once you own no shares for 31 days, it's game over. Even though the accounting has wash sales to consider, in the end, gains and losses all cancel to one net position of break even, gain or loss. It's when there are shares remaining at the end of a period of time that the wash sale rules really impact the numbers. |
Why does capital gains tax apply to long term stock holdings? | Why only long term investments? What do they care if I buy and sell shares in a company in the same year? Simple, your actually investing when you hold it for a long term. If you hold a stock for a week or a month there is very little that can happen to change the price, in a perfect market the value of a company sho... |
Evidence for Technical Analysis [duplicate] | To answer your original question: There is proof out there. Here is a paper from the Federal Reserve Bank of St. Louis that might be worth a read. It has a lot of references to other publications that might help answer your question(s) about TA. You can probably read the whole article then research some of the other ... |
When you're really young and have about 2K to start investing $ for retirement, why do some people advise you to go risky? | Those who say a person should invest in riskier assets when young are those who equate higher returns with higher risk. I would argue that any investment you do not understand is risky and allows you to lose money at a more rapid rate than someone who understands the investment. The way to reduce risk is to learn about... |
How to share income after marriage and kids? | I think the problem is that you've made a math error. This child would not be costing you 300 per month, it will be costing you 1400 per month. 1100 of this is in a donation of salable hours rather than cash, but helpfully you have a number right there as to how much someone is willing to pay for these hours so the ma... |
Interactive Brokers Margin Accounts | Scenario 1 - When you sell the shares in a margin account, you will see your buying power go up, but your "amount available to withdraw" stays the same until settlement. Yes, you can reallocate the same day, no need to wait until settlement. There is no margin interest for this scenario. Scenario 2 - If that stock is... |
How frequently should I request additional credit? | I do this all the time, my credit rating over time plotted on a graph looks like saw blades going upward on a slope I use a credit alert service to get my credit reports quarterly, and I know when the credit agencies update their files (every three months), so I never have a high balance at those particular times Basic... |
When will Canada convert to the U.S. Dollar as an official currency? | The conspiracy buffs think this is already in the works. If you are interested, Google this fictional currency called the "Amero." Or you could just look up the snopes article on Amero. |
What is the difference between "good debt" vs. "bad debt"? | I think people are conflating two orthogonal sets of terms. Unsecured/secured and good/bad are not synonyms. Debt may be secured or unsecured. If I take a loan against a car or house it is typically secured, so the object is collateral against the loan. Bad debt in financial terms is a loan that is not expected to be r... |
Pay off credit cards in one lump sum, or spread over a few months? | Should I allow the credit cards to be paid out of escrow in one lump sum? Or should I take the cash and pay the cards down over a few months. I have heard that it is better for your credit score to pay them down over time. Will it make much of a difference? Will the money you save by increasing your credit score ... |
Are lottery tickets ever a wise investment provided the jackpot is large enough? | Question: Does a billion dollars make you 1,000 times more happy than a million dollars? Answer: It doesn't. What counts is not the amount of money, but the subjective improvement that it makes to your life. And that improvement isn't linear, which is way the expected value of the inrease in your happiness / welfare /... |
When does Ontario's HST come into effect? | It looks like the HST will be in effect in Ontario on July 1st, 2010. As to whether it will replace GST with HST for all services, it looks like some sectors may get special treatment: Ontario may exempt mutual funds from HST (National Post). But it doesn't look final yet. However, I would suggest that most service-... |
Are long-term bonds risky assets? | In the quoted passage, the bonds are "risky" because you CAN lose money. Money markets can be insured by the FDIC, and thus are without risk in many instances. In general, there are a few categories of risks that affect bonds. These include: The most obvious general risk with long-term bonds versus short-term bonds to... |
Which Benjamin Graham book should I read first: Security Analysis or Intelligent Investor? | First The Intelligent Investor and then the 1962 edition Security Analysis - which is out of print, you can get it on Amazon.com used or ebay. Then you can read the edition backward but the 1962 edition is the best - IMHO. And don't forget The Rediscovered Benjamin Graham and Benjamin Graham on Value Investing by Jane... |
Are there any banks with a command-line style user interface? | I think I get your question, but your wording is throwing a lot of us off. If what you want is a clean, effective and efficient interface over port 80, then USAA.com has done some great usability work. Additionally, they have really done some pioneering work with web services and mobile applications. On top of that, th... |
What expenses do most people not prepare for that turn into "emergencies" but are not covered by an Emergency Fund? | While it is true that homeowners insurance will cover emergencies, it is very important to check and make sure that your policy is covering everything that it needs to. A great example is what happened to all of those without flood insurance in Tennessee last year. You may opt not to get additional coverage, but then y... |
How can this be enough to fund a scholarship in perpetuity? | What's the value of the scholarship, and is it administered by itself or by the university? If by itself, the financial return discussed above drives. If by the university, they create the tuition, so it gets more interesting. If this is something that is administered and backstopped by the university, then keep in... |
Saving up for an expensive car | The question is how does $16,000/year for 6.5 years fit into your budget. Or to put it another way, what won't you be spending that money on? Housing, food, vacations, retirement fund, investments (though you can invest your car fund in the meantime), building a hefty emergency fund, kids college funds, saving for a do... |
Any experience with maxing out 401(k)? | I moved from contributing 10% to maxing as my salary rose over the course of three years after graduation. Because of my raises, my monthly take home still increased, so it was a pretty painless way to increase my 401(k) contribution and also avoid lifestyle inflation. That said, I would not do it if you have any cred... |
(Theoretical) Paying credit cards with other credit cards | A "balance transfer" is paying one credit card with another. You probably get offers in the mail to do this all of the time. As other posters have noted, however, this usually comes with finance fees rather than the rewards that you get for normal purchases because it's written into your credit card agreement as a di... |
Where do I find the exercise price and date for warrants? | I agree that a random page on the internet is not always a good source, but at the same time I will use Google or Yahoo Finance to look up US/EU equities, even though those sites are not authoritative and offer zero guarantees as to the accuracy of their data. In the same vein you could try a website devoted to warrant... |
How to hedge a long stock position that does not have options | You could always maintain a limit order to sell at a price you're comfortable with. |
At what point does it become worth it to file an insurance claim? | We learned the hard way on this one. First, our area was hit with what was called an "inland hurricane" where we forced to file a claim as our home received extensive damage. Within the same year, we also incurred an electrical surge which took out our older big screen tv (one of those big monstrosities that sits on... |
Is buying a lottery ticket considered an investment? | I am reminded of a dozen year old dialog. I asked my 6 year old, "If we call a tail a leg, how many legs does a dog have?" She replied, "Four, you can call it anything you want, but the dog still has four legs." Early on in my marriage, my wife was heading out to the mall, and remarked that she was "going to invest in... |
Does FHA goes hand in hand with PMI ? | I don't know that FHA loans have better rates than conventional loans. I've never heard that and some quick googling didn't yield anything (please correct me if I'm wrong). So if you have the necessary down payment to get a conventional loan, I'm not sure I see any benefit for looking at FHA loans. I think the only b... |
Ethics and investment | Avoiding tobacco, etc is fairly standard for a fund claiming ethical investing, though it varies. The hard one on your list is loans. You might want to check out Islamic mutual funds. Charging interest is against Sharia law. For example: http://www.saturna.com/amana/index.shtml From their about page: Our Funds favor ... |
What to do with small dividends in brokerage account? | Assuming you have no new cash to add to your account as gyurisc has suggested, I wouldn't sweat the small amounts – it doesn't hurt to have a little cash sit idle, even if you want to theoretically be fully invested (the wisdom of doing that, or not, perhaps worthy of another question :-) If you try too hard to invest ... |
How to rescue my money from negative interest? | First off, the answer to your question is something EVERYONE would like to know. There are fund managers at Fidelity who will a pay $100 million fee to someone who can tell them a "safe" way to earn interest. The first thing to decide, is do you want to save money, or invest money. If you just want to save your money, ... |
Why do governments borrow money instead of printing it? | The Government doesn't borrow money. It in fact simply prints it. The bond market is used for an advanced way of controlling the demand for this printed money. Think about it logically. Take 2011 for example. The Govt spent $1.7 trillion more than it took in. This is real money that get's credited in to people's bank a... |
What should I look at before investing in a start-up? | In addition to evaluating the business (great answer), consider the potential payoff. If bonds pay off in the 5-10% range, the S&P500 has averged 10.5%. You should be expecting a payoff of 15-20% to invest in something riskier than the stock market. That means that if you invest $10k, then in 5 years you'll need to ge... |
stock(paper) delivery to home | Getting "physical stocks" will in most cases only be for the "fun of it". Most stocks nowadays are registered electronically and thus the physical stock will be of no value - it will just be a certificate saying that you own X amount of shares in company X; but this information is at the same time registered electronic... |
Does an index have a currency? | There's no need for an index to have a currency as its purpose is not to act as an asset but rather to signal investors about the performance of a collection of stocks. An index can be price-weighted, meaning that its value equals the (arithmetic) average of the prices of each stock in the index. With no stock splits, ... |
Does an owner of a bond etf get an income even if he sells before the day of distribution? | Bond ETFs are traded like normal stock. It just so happens to be that the underlying fund (for which you own shares) is invested in bonds. Such funds will typically own many bonds and have them laddered so that they are constantly maturing. Such funds may also trade bonds on the OTC market. Note that with bond ETFs ... |
Why do Americans have to file taxes, even if their only source of income is from a regular job? | you either tell your financial department about them (e.g. I used to get a student's tax discount), or you file them separately. But you don't have to file anything by default. That is a comment connected to the question. In the united states you can almost achieve this. 90% of the numbers on my tax form are automate... |
Should I cancel an existing credit card so I can open another that has rewards? | Hits to your credit rating for canceling one of the newer cards will be a small hit for a few months. You do have some options. I also believe that a person with good credit should have multiple cards: I like having a cash back card for the majority of our transactions. Unfortunately that card isn't accepted everywhe... |
Questrade - What happens if I buy U.S. stock with Canadian money? | I don't believe from reading the responses above that Questrade is doing anything 'original' or 'different' much less 'bad'. In RRSPs you are not allowed to go into debt. So the costs of all trades must be covered. If there is not enough USD to pay the bill then enough CAD is converted to do so. What else would anyon... |
What can we learn from when the trading volume is much higher/lower than average? | You should not look at volume in isolation but look at it together with other indicators and/or the release of news (good or bad). When there is lower than average volume this could be an indication that the stock is in a bit of a holding pattern, possibly waiting for some company or economic news to come out (especial... |
Is sales tax for online purchases based on billing- or shipping address? | From my understanding as a seller, and having read through Amazon's 8 page calculation methodology document, the default is the ship to address, however the seller still has the option to charge the tax or not, only charge the state rate and local (city, county, district, etc.) rate(s), or even set their own self-deter... |
Why are there so many stock exchanges in the world? | Nearly every country has its own exchange because so many countries have their own currency, and currency permeates every part of an exchange's business. Generally, an exchange will support transaction and settlement only in local currency. Securities (except those that explicitly enable FX trading) are denominated ... |
What could happen to Detroit Municipal bonds because of Detroit's filing for bankruptcy? | Since the bondholders have voted to reject the emergency manager's plan, which would have paid them pennies on the dollar, the city is now attempting to discharge its short-term and long-term debt. If they get what they want in court, it is likely these bonds will become worthless. Even if they are only able to restruc... |
Using property to achieve financial independence | Be very careful about buying property because it has been going up quickly in recent years. There are some fundamental factors that limit the amount real-estate can appreciate over time. In a nutshell, the general real-estate market growth is supported by the entry-level property market. That is, when values are app... |
About to start being an Independent Contractor - Any advice on estimating taxes? | I agree with your strategy of using a conservative estimate to overpay taxes and get a refund next year. As a self-employed individual you are responsible for paying self-employment tax (which means paying Social Security and Medicare tax for yourself as both: employee and an employer.) Current Social Security Rate is ... |
Why would a stock opening price differ from the offering price? | The offering price is the price at which that IPO is, well, offered. Think of it as a suggested retail price. The opening price is the actual price at which trading begins, on a particular day, for a stock. That price depends on demand/overnight-orders/what-have-you. Think of this as the actual price in the store. |
What should a 19 year old with a moderate inheritance look for in a financial advisor? | I think your question is pretty wise, and the comments indicate that you understand the magnitude of the situation. First off, there could be nothing that your friend could do. Step parent relationships can be strained and this could make it worse, add the age of the girl and grief and he could make this a lot worse... |
Free/open source Unix software that pulls info from all my banks/brokers/credit cards? | Moneydance is a commercial application that is cross-platform. Written in Java, they run and are supported on Windows, Mac and Linux. They integrate with many financial institutions and for those that it cannot, you can import a locally downloaded file. I have used it for several years on my Mac, but have no company af... |
How would one follow the "smart money" when people use that term? | Smart money (Merriam-Webster, Wiktionary) is simply a term that refers to the money that successful investors invest. It can also refer to the successful investors themselves. When someone tells you to "follow the smart money," they are generally telling you to invest in the same things that successful investors inve... |
Advantages/Disadvantages to refinancing online? | If you can deal with phone calls instead of a face to face meeting, for the average person with an average refinance online tools just offer another way to shop for deals. For new mortgages, I think having a person you can meet face to face will avoid problems, but for just a simple refi, online is one of the places yo... |
Why could rental costs for apartments/houses rise while buying prices can go up and down? | Average rent rates will typically rise and fall, and are market-dependent just like real estate. In the short term, a collapse in housing like the one we saw in 2008 can induce a spike in rental costs as people walk away or get foreclosed on, and move back into apartments. That then tends to self-adjust, as the people ... |
Is it better to buy this used car from Craigslist or from a dealership? | I agree with the previous comments one thing that got brought up a while back when I was looking into purchasing a Prius was the battery replacement, someone once told me it was very expensive in the event it failed and needed to be changed, I'm not talking about the 12 volt but the big nickel metal hydride one. Anothe... |
Once stock prices are down, where to look for good stock market deals? | Keep in mind, that bargain hunting will fail you from time to time. I know a lot of guys who bought Nortel at $10, planning to hold it until the inevitable recovery. |
Are capitalization rate and net profit margin the same thing? | Capitalization rate and "Net Profit margin" are two different things. In Capitalization rate note that we are taking the "total value" in the denominator and in Net profit margin we are taking "Revenue/Sales". Capitalization Rate: Capitalization Rate = Yearly Income/Total Value For example (from Investopedia: ) if Ste... |
Understanding taxes when buying goods at a store | Grocery food is not subject to sales tax in Maryland, but some food is taxed depending on category or preparation. So you must have had a combination of grocery and taxable foods. One of the cheaper items you purchased was subject to a whopping penny of sales tax. http://taxes.marylandtaxes.com/Individual_Taxes/Taxpaye... |
Personal Loan: How to define loan purpose | Does that justify the purpose? That is for individual Banks to decide. No bank would pay for daily expenditure if you are saying primary salary you are spending on eduction. So your declaration is right. You are looking at funding your eduction via loan and you are earning enough for living and paying of the loan. I no... |
When should I open a "Line of credit" at my bank? | The only really good reason to open a line of credit is that you want to buy something that you don't have money for. That's got its own risks - see plenty of other places to see warnings about not borrowing too much. The only other reason is that you might want to use a line of credit as your emergency fund. The usual... |
Why invest for the long-term rather than buy and sell for quick, big gains? | Playing the markets is simple...always look for the sucker in the room and outsmart him. Of course if you can't tell who that sucker is it's probably you. If the strategy you described could make you rich, cnbc staff would all be billionaires. There are no shortcuts, do your research and decide on a strategy then stick... |
What factors you have do you count on to speculate effectively? | Strategy would be my top factor. While this may be implied, I do think it helps to have an idea of what is causing the buy and sell signals in speculating as I'd rather follow a strategy than try to figure things out completely from scratch that doesn't quite make sense to me. There are generally a couple of different... |
Why are there many small banks and more banks in the U.S.? | In the US, paper checks are still the rule, and there is a large amount of the population that does not care to use online banking. As a result, those people need to go to the bank once a week or more often, to deposit checks they get from anywhere, to get cash, etc.; so all those little banks have traffic. This is slo... |
Should I take contributions out of my Roth IRA to live off of? | Take another job. From a personal finance perspective this is the wrong reason to dip into a retirement account. You will lose so much ground towards actually retiring. Sure you won't be taxed, but you will be missing so much opportunity where that money won't be working for your retirement. The off-topic answer to ... |
First time investor and online brokerage accounts | Littleadv has given you excellent general advice, but to my mind, the most important part of it all and the path which I will strongly recommend you follow, is the suggestion to look into a mutual fund. I would add even more strongly, go to a mutual fund company directly and make an investment with them directly in... |
How much of a down payment for a car should I save before purchasing it? | Do you need the car, or is this an optional purchase for you? Do you currently have a car that is in good working order? If you can continue to save for the car instead of buying now, you'll be getting interest on what you've saved -- and that's a lot better than 0% financing. |
Should I pay my Education Loan or Put it in the Stock Market? | I read your question that you have a comfortable amount toward retirement. If not, pad your retirement accounts if possible. If your loan rate is locked at 2.67%, invest that money in the market and pay the loan as agreed. So long as you feel comfortable in your employment and income status for the next few years, I ... |
Whats the difference between day trading and flipping and their tax implications? | Flipping usually refers to real-estate transaction: you buy a property, improve/renovate/rehabilitate it and resell it quickly. The distinction between flipper and investor is similar to the distinction between trader and investor, even though the tax code doesn't explicitly refer to house flipping. Gains on house flip... |
Accounting for reimbursements that exceed actual expenses | I've been in a very similar situation to yours in the past. Since the company is reimbursing you at a flat rate (I assume you don't need to provide documentation/receipts in order to be paid the per diem), it's not directly connected to the $90 in expenses that you mention. Unless they were taking taxes out that woul... |
How Technical Analysts react to non-market hours effects | You can't. Even as a technical trader you should know what events are coming up and be prepared. You can't prepare for everything but you should know when the earnings dates are. You should also pay attention to the market in general. Stocks also have personalities and you should get to know that personality. Most imp... |
What is the difference between state pension plans and defined contribution plans? | The specific "State Pension" plan you have linked to is provided by the government of the U.K. to workers resident there. More generally speaking, many countries provide some kind of basic worker's pension (or "social security") to residents. In the United States, it is called (surprise!) "Social Security", and in Can... |
Investing tax (savings) | You'd want the money to be "liquid" and ready for you to use when tax time comes around. You also don't want to lose "principal", i.e. if you put it into stocks and have the value of what you put in be less than what you invested—which is possible—when you need the money, again, at tax time. That doesn't leave you with... |
Reasons behind a large price movement of a penny stock without any recent news releases? | Yes, in my humble opinion, it can be "safe" to assume that — but not in the sense that your assumption is necessarily or likely correct. Rather, it can be "safe" in the respect that assuming the worst — even if wrong! — could save you from a likely painful and unsuccessful speculation in the highly volatile stock of a ... |
How do you save money on clothes and shoes for your family? | I feel the same way too! With two kids, I feel like I am spending what it would cost to run a small country just on clothes, shoes, jackets, replacing everything as it is grown out of! A few things I do: I shop in affordable places and check out sales, and look for the cutest things I can find there in a reasonable p... |
What emergencies could justify a highly liquid emergency fund? | While there have been plenty of good answers I would like to suggest turning it on it's head--the problem is one of perception. Other than in terms of cash-type emergency funds (my general policy is to have enough cash to get home, however far from there I might be) I consider available credit + assets that can be liqu... |
Will ADR owner enjoy same benefit as common shares holders | The essential difference b/n ADR and a common share is that ADR do not have Voting rights. Common share has. There are some ADR that would in certain conditions get converted to common stock, but by and large most ADR's would remain ADR's without any voting rights. If you are an individual investor, this difference sh... |
Why does money value normally decrease? | Currently, the quantity theory of money is widely accepted as an accurate model of inflation in the long run. Consequently, there is now broad agreement among economists that in the long run, the inflation rate is essentially dependent on the growth rate of money supply. However, in the short and medium term inflation ... |
Strategic countermeasures to overcome crisis in Russia | The ruble was, is and will be very unstable because of unstable political situation in Russia and the economy strongly dependent of the export of raw resources. What you can do? I assume, you want to minimize risk. The best way to achieve that is to make your savings in some stable currency. Euro and Swiss Franc are cu... |
Does a falling dollar mean doom for real estate? | A falling $AUD would be beneficial to exporters, and thus overall good for the economy. If the economy improves and exporters start growing profits, that means they will start to employ more people and employment will increase - and with higher employment, employees will become more confident to make purchases, includi... |
Any advantage to exercising ISO's in company that is not yet public? | As far as I know, the AMT implications are the same for a privately held company as for one that is publicly traded. When I was given my ISO package, it came with a big package of articles on AMT to encourage me to exercise as close to the strike price as possible. Remember that the further the actual price at the ti... |
I have savings and excess income. Is it time for me to find a financial advisor? | Whether your financial status is considered "OK" depends on your aspirations. You aren't spending more than you earn and have no debt. That puts you in the category of OK in my book, but the information in your post indicates that you would benefit from some financial advice--100 grand sounds like a lot of money to h... |
How are people able to spend more than what they make, without going into debt? | That's just his base salary for last year. Keep reading in the article: He also received $1.6 million worth of securit[ies]. Plus, he's probably earned plenty in salary, bonuses, and other compensation in previous years to more than keep up his lifestyle. He can also sell (relatively) small amounts of the stock he al... |
My wife and I are selling a house worth $230k-$260k. Its a rental. Should we use an agent, limited service listing agent, or FSBO? | The answers you'll receive are going to be largely subjective. I can't tell you which option would be best for you, but there are plenty of things to consider. Do you know how to sell a home? If your market is hot enough, FSBO may make sense as you won't need the marketing power and expertise of an agent. In very hot ... |
In a competitive market, why is movie theater popcorn expensive? | I'm kind of shocked that no formal behavioral modeling has been proposed as an explanation yet. One such model would be steep (hyperbolic, quasi-hyperbolic) discounting. Consumers would rather pay for popcorn later than for an expensive movie ticket now. For instance, consumers might when purchasing the ticket see a ... |
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