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How to understand expenses matter relative to investment type for mutual funds? | The net return reported to you (as a percentage) by a mutual fund is the gross return minus the expense ratio. So, if the gross return is X% and the expense ratio is Y%, your account will show a return of (X-Y)%. Be aware that X could be negative too. So, with Y = 1, If X = 10 (as you might get from a stock fund if y... |
When and how should I pay taxes on ForEx trades? | I don't know how taxes work in Israel, but I imagine it is relatively similar to taxes in the US. In the US you need to pay taxes on investment earnings when you sell them or in this case trade them for something of value. The amount that would typically would be taxed on would be the difference between how much you pa... |
How do the returns generated via Equity/Debt investment differ from the returns from a Mutual Fund based on Equity/Debt? | Just sticking to equities: If you are investing directly in a share/stock, depending on various factors, you may have picked up a winner or to your dismay a loser. Say you just have Rs 10,000/- to invest, which stock would you buy? If you don't know, then it’s better to buy a Mutual Fund. Now if you say you would buy... |
Do financial advisers in Canada who work at the bank, make investing decisions not in your best interest? | The way this works, as I understand it, is that financial advisers come in two kinds. Some are free to recommend you any financial products they think fit, but many are restricted in what they can recommend. Most advisers who work for finance companies are the second kind, and will only offer you products that their co... |
When should I start saving/investing for my retirement? | Start now. It's a lot easier to save now than it is to start to save later. |
How do I adjust to a new social class? | Beware of keeping up with the Joneses. Many of your free-spending neighbors are broke. Basically, the prices of things like what you're noticing will rise as incomes in the area rise. A great example of this can be found in state capitals and college towns, where battalions of government workers or students all make ju... |
How do I get rid of worthless penny stocks if there is no volume (so market/limit orders don't work) and my broker won't buy them from me? | Your broker should be able to answer this. Many brokers will buy it from you for the cost of a commission, if there's no legit buyer. |
Does it make sense to take out student loans to start an IRA? | I will split my answer in a few sections... Note: I will not address the legal aspect of the question. If you can or not use Federal money to invest. 1st - Investments with Student Loan 2nd - IRA as the Instrument I hope this helps! |
Events that cause major movement in forex? | Sometimes the market has to be left alone. Too much interference of the policy makers to stabilize the falling market can actually result in a major crisis. Every change stabilises after sometime and it is also applicable in the Forex trading market. So, the eager investors should learn to have some patience and wait f... |
Is there a candlestick pattern that guarantees any kind of future profit? | I did a historical analysis a few years back of all well-known candlestick patterns against my database of 5 years worth of 1-minute resolution data of all FTSE100 shares. There wasn't a single pattern that showed even a 1% gain with 60% reliability. Unfortunately I don't have spread data other than for a handful of ... |
Why do people always talk about stocks that pay high dividends? | Dividends telegraph that management has a longer term focus than just the end of quarter share price. There is a committment to at least maintain (if not periodically increase) the dividend payout year over year. Management understands that cutting or pausing dividends will cause dividend investors in market to dump ... |
US tax returns for a resident - No US income and indian shares | I'm assuming that by saying "I'm a US resident now" you're referring to the residency determination for tax purposes. Should I file a return in the US even though there is no income here ? Yes. US taxes its residents for tax purposes (which is not the same as residents for immigration or other purposes) on worldwide in... |
How to value employee benefits? | To fairly compare a comp-only job to a job that offers insurance, get a quote for health insurance. Call your local insurance broker and find out what it would cost. Because if you aren't getting insurance from your employer, you'll have to get it elsewhere. If you get a quote on an HSA, don't forget to add in the annu... |
Nanny taxes and payroll service | For Federal Return, Schedule H and its Instructions are a great start. You are the nanny's employer, and are responsible for FICA (social security and medicare) withholding, and also paying the employer portion. You will offer her a W4 so she can tell you how much federal and state tax to withhold. You'll use Circula... |
As a total beginner, how do I begin to understand finance & stocks? | Your questions seek answers to specifics, but I feel that you may need more general help. There are two things, I feel, that you need to learn about in the general category of personal finance. Your asking questions about investing, but it is not as important, IMHO, as how you manage your day-to-day operations. For ... |
Can buying REIT's be compared to investing in Real Estate? | A couple of distinctions. First, if you were to "invest in real estate" were you planning to buy a home to live in, or buy a home to rent out to someone else? Buying a home as a primary residence really isn't "investing in real estate" per se. It's buying a place to live rather than renting one. Unless you rent a ro... |
Getting a USD cheque, without too many fees, and with a sensible exchange rate? | UPDATE: Unfortunately Citibank have removed the "standard" account option and you have to choose the "plus" account, which requires a minimum monthly deposit of 1800 sterling and two direct debits. Absolutely there is. I would highly recommend Citibank's Plus Current Account. It's a completely free bank account avail... |
Is there a correlation between self-employment and wealth? | In a well-managed company, employees bring more dollars to their employers than the employers pay the employees (salary and benefits). Employees trade potential reward for security (a regular paycheck). Employers take on the risk of needing to meet payroll and profit from the company's income, minus expenses. The pot... |
Tax liability in US for LLC's owned by an Indian Citzen | The LLC will not be liable for anything, it is disregarded for tax purposes. If you're doing any work while in the US, or you (or your spouse) are a green card holder or a US citizen - then you (not the LLC) may be liable, may be required to file, pay, etc. Unless you're employing someone, or have more than one member ... |
ESPP strategy - Sell right away or hold? | For ESPP, the discount that you get is taxed as ordinary income. Capital gains is taxed at the appropriate rate, which is different based on how long you hold it. So, yes, if the stock is going up, |
How do dividend reinvestment purchases work? | In order: A seller of the stock (duh!). You don't know who or why this stock was sold. It could be any reason, and is of no concern of yours. It doesn't matter. Investors (pension funds, hedge funds, individual investors, employees, management) sell stock for many reasons: need cash, litigation, differing objectives, s... |
Offsetting capital losses against gains for stocks | The loss for B can be used to write off the gain for A. You will fill out a schedule 3 with cost base and proceeds of disposition. This will give you a $0 capital gain for the year and an amount of $5 (50% of the $10 loss) you can carry forward to offset future capital gains. You can also file a T1-a and carry the l... |
Is it ok to have multiple life time free credit cards? | The following is based on my Experian credit scoring feedback and experience here in the UK over many years. (And for further information I currently hold a credit score of 999, the highest possible, with 6 credit cards.) Now I'm assuming that while there may be some differences in particulars in your case due to the... |
Job Offer - Explain Stock Options [US] | Its important that you carefully read the agreement, if you accept the job. The options agreement will usually specify the vesting schedule, the strike price, and the number of options you will have. When you start vesting options, you can choose to buy stock at the strike price. When you do exercise the options, your... |
Is legal sending dollars to someone in Mexico, and sending them back for profit? | It is certainly legal to transfer money between people, no matter how often, as long as the money is not originally from illegal sources. If you are gaining in the process, you need to pay taxes on your (net) gain, as on any income; but as always, taxed income is still income. Consider the accumulating transaction cost... |
"No taxes to be paid with owning Berkshire" | It depends on your investment profile but basically, dividends increase your taxable income. Anyone making an income will effectively get 'lower returns' on their investments due to this effect. If you had the choice between identical shares that either give a dividend or don't, you'll find that stock that pays a divid... |
Is insurance worth it if you can afford to replace the item? If not, when is it? | Insurance is for events that are both and Unexpected and, for many people, catastrophic events are, for example, sickness, disability, death, car accidents, house fires, and burglaries, for which you may buy health, disability, life, auto, home, and renter's insurance. It may be catastrophic for a family relying on a ... |
How are mortgage payments decided? [duplicate] | It's so that your total mortgage payment stays the same every month. Obviously, the interest due each month decreases over time, as part of the principal is paid off each month, and so if the proportion of interest and principal repayments were to stay the same then your first payment would be very large and your last ... |
Do developed country equities have a higher return than emerging market equities, when measured in the latter currency? | First of all, the answer to your question depends on your starting dates and ending dates. So developed markets returns are higher over one period, and emerging markets returns over other periods. So far, there does not appear to be a systematic tilt in favor of one or the other. The reasons are as you said. Emerging m... |
What considerations are there for making investments on behalf of a friend? | If you want to do #1, then you should form an "investment club." This is an entity that is recognized by the SEC and the IRS. From the SEC: An investment club is a group of people who pool their money to make investments. Usually, investment clubs are organized as partnerships and, after the members study different in... |
Are there any statistics that support the need for Title Insurance? | When I bought the house I had my lawyer educate me about everything on the forms that seemed at all unclear, since this was my first time thru the process. On of the pieces of advice that he gave was that title insurance had almost no value in this state unless you had reason to believe the title might be defective but... |
I have $12k in a Chase checking account, but want to start earning interest/saving/investing/etc to make more money. What should I do? | Aside from employer 401(k) matches (which may double your money immediately), paying off debts is almost always the best place to start. Paying off a debt early is a zero-risk operation and will earn you N% (where N is your interest rate). Is that a good deal for a zero-risk return? The closest equivalent today (Aug 24... |
Optimal way to use a credit card to build better credit? | First I would like to say, do not pay credit card companies in an attempt to improve your credit rating. In my opinion it's not worth the cash and not fair for the consumer. There are many great resources online that give advice on how to improve your credit score. You can even simulate what would happen to your score ... |
How much does a landlord pay in taxes? | I use a spreadsheet for that. I provide house value, land value, closing/fix-up costs, mortgage rate and years, tax bracket, city tax rate, insurance cost, and rental income. Sections of the spreadsheet compute (in obvious ways) the values used for the following tables: First I look at monthly cash flow (earnings/c... |
Does selling mixed-term stocks with a LIFO tax strategy make sense? | Your question is missing too much to be answered directly. Instead - here are some points to consider. Short term gains taxed at your marginal rates, whereas long term gains have preferable capital gains rates (up to 20% tax rate, instead of your marginal rate). So if you're selling at gain, you might want to consider ... |
Tenant wants to pay rent with EFT | In Britain it's standard practice to use an electronic bank transfer, otherwise known as a "standing order" for the monthly rent payment. Many letting agents insist on it here in Britain. It's rare to hear of fraud. It is possible to setup a Direct Debit with the account numbers, as happened in a famous case where Jere... |
How do Transfer Agents/Share Registrars get the names of beneficiary shareholders | In the United States, the stock certificate is updated to include beneficiary information. I expect it to be similar with other markets. TOD (Transfer on Death) From: http://www.nolo.com/legal-encyclopedia/free-books/avoid-probate-book/chapter3-2.html (emphasis added) If you have a brokerage account, contact the broke... |
How can one protect oneself from a dividend stock with decreasing price? | A specific strategy to make money on a potentially moderately decreasing stock price on a dividend paying stock is to write covered calls. There is a category on Money.SE about covered call writing, but in summary, a covered call is a contract to sell the shares at a set price within a defined time range; you gain a p... |
Net loss not distributed by mutual funds to their shareholders? | When you invest (say $1000) in (say 100 shares) of a mutual fund at $10 per share, and the price of the shares changes, you do not have a capital gain or loss, and you do not have to declare anything to the IRS or make any entry on any line on Form 1040 or tell anyone else about it either. You can brag about it at par... |
Do I have to sell worthless stock to claim a loss and clean up? | Generally, to be able to write off worthless securities, you need to show that they're indeed worthless. It's not necessarily easy, as you need to prove that there's no way they will regain any value in the future. What is usually done, instead, is very simple: you sell them. Many brokers are aware of this problem and ... |
Why are typical 401(k) plan fund choices so awful? | To piggy back mbhunter's answer, the broker is going to find a way to make the amount of money they want, and either the employee or the company will foot that bill. But additionally, most small businesses want to compete and the market and offer benefits in the US. So they shop around, and maybe the boss doesn't have... |
Why would I vote for an increase in the number of authorized shares? | As a common shareholder, why would I want to approve an increase in the number of authorized shares?" Because it could increase the value of your existing shares. Companies sell new shares to raise capital, and they use capital to (among other things) expand. If Whole Foods issues new shares and uses the capital to ope... |
Do "Instant Approved" credit card inquires appear on credit report? | Businesses you are already established with may do a soft pull to pre-qualify you for an offer. They store the information and if you accept, may instantly setup and account. You may also see language to the effect that they may do an inquiry (hard pull) - I guess if their data is old. When you went outside of Amazo... |
Do I need to prove 'Garage Sale' items incurred a loss | This is what this sounds like to me: https://www.thebalance.com/having-a-garage-sale-or-yard-sale-what-to-do-first-399030 also: http://blogs.hrblock.com/2012/07/25/garage-sale-money-does-the-irs-need-to-know/ Selling a personal item at a loss is generally not a taxable event. You cannot report it as a loss, and the IRS... |
Micro-investing: How to effectively invest frequent small amounts of money in equities? | (For people looking at this question many years later...) Schwab and Fidelity offer a wide selection of commission-free ETFs. You need an initial purchase amount, though, of (when last I checked at Schwab) $1,000. |
New company doesn't allow 401k deposits for 6 months, what to do with money I used to deposit? | Short answer is fund a Roth. If you are under 50 then you can put in $5500 or $6500 if you are older. Great to have money in two buckets one pre tax and one post tax. Plus you can be aggressive putting money in it because you can always take money you put in the Roth out of the Roth with no tax or penalty. Taxes a... |
Can I open a Solo 401(k) if I am an independent contractor but also work part-time as an employee? | A Solo 401k plan requires self-employment income; you cannot put wages into it. |
Which forex brokerage should I choose if I want to fund my account with over a million dollars? | With your experience, I think you'd agree that trading over a standardized, regulated exchange is much more practical with the amount of capital you plan to trade with. That said, I'd highly advise you to consider FX futures at CME, cause spot forex at the bucket shops will give you a ton of avoidable operational risks... |
Can I use my long position stocks as margin for my short sold stocks? | 200% margin for a short sale is outrageous. You should only need to put up 150% margin, of which 50% is your money, and the 100% is the proceeds. With $100 of your money, you should be able to buy $100 of GOOG and short $100 of PNQI. |
Calculating theoretical Present Value | The example from the following website: Investopedia - Calculating The Present And Future Value Of Annuities specifically the section 'Calculating the Present Value of an Annuity Due' shows how the calculation is made. Using their figures, if five payments of $1000 are made over five years and depreciation (inflation... |
My friend wants to put my name down for a house he's buying. What risks would I be taking? | Wrong way round. Transitional arrangements are non-binding guidelines that the lenders can observe if they choose to. The borrower - like your friend - doesn't get to choose whether to use them or not. Your friend obviously can't afford the property, so if you do this, all I can say is congratulations on buying your n... |
What does a high operating margin but a small but positive ROE imply about a company? | The operating margin deals with the ability for a company to make a profit above the costs of running the company and generating sales. While ROE is how much money the company makes relative to the shareholders equity. I'd be willing to bet that if a company has a small ROE then it also has a quite large P/E (price to ... |
Can someone explain recent AAMRQ stock price behavior to me? | There are things that are clearly beyond me as well. Cash per share is $12.61 but the debt looks like $30 or so per share. I look at that, and the $22 negative book value and don't see where the shareholders are able to recoup anything. |
Why the volume disparity between NUGT and DUST? | NUGT and DUST both track GDX with triple leverage, but in opposite directions. GDX has been rising steadily throughout 2016, and certainly since over the last month. DUST experiences much higher volume when GDX is in a downward trend, as it was from 2013-2016. I think you'll see the same thing with DRIP and GUSH when o... |
I just "paid" online with a debit card with no funds. What now? | There are a few factors at play here. Depending on the bank that has offered you the card there are different types of overdraft protection that may have been set up. Typically, if they attempt to run the card with no money, if one of these is in play, you will be spared any overdraft fees by the transaction charging t... |
S-Corp and distributions | Does the corporation need the money for its ongoing business? If so, don't transfer it. If not, feel free. This decision has nothing to do with whether the corporation made money in any particular year. |
If the co-signer on my car loan dies, can the family take the car from me like they're threatening to? | Possession is 9/10 of the law, and any agreement between you and your grandfather is covered under the uniform commercial code covering contracts. As long as your fulfilling your obligation of making payments, the contract stands as originally agreed upon between you and the lender. In short, the car is yours until y... |
Why do some people say a house "not an investment"? | When I purchased my house I struggled with this same idea. I felt sick to my stomach signing a contract stating how much money I now owe a bank. However, the lawyer I was using put it in terms that eased the nausea a little (I still hate owing that much money - but it's a little more palatable). His words, paraphra... |
Can you explain the mechanism of money inflation? | In simple terms, inflation is a result of too much money chasing too few goods, i.e. there is an imbalance between demand and supply. The demand exceeds the supply. With all other things being constant it leads to increase in price, i.e. inflation. |
Are there index tracking funds that avoid the "buy high - sell low" problem? | There are some index funds out there like this - generally they are called "equal weight" funds. For example, the Rydex S&P Equal-Weight ETF. Rydex also has several other equal weight sector funds |
Should I buy my house from my landlord? | Never buy a house unless you really want to buy that house. If you want to buy a rental, look around and find the right rental to buy; saving a few hundred on moving costs isn't a good reason to buy the wrong property at the wrong price. |
Upward Spike in US Treasuries despite S&P Downgrade in August 2011 | The only resources or references you need are a chart showing you what happened in those months. The exuberance for US treasuries comes from the fact that there are no better options than them for putting cash. There are better sovereign debt instruments around the world depending on your goals, but they do not offer t... |
Layman's guide to getting started with Forex (foreign exchange trading)? | Currency Trading For Dummies, no offense. The "For Dummies" series is well known for its expertise in every field one can imagine. That said, what prompts you to want to get into this? The average person is very likely to lose money as the long time experts walk away winners. Do you have an urge to trade commodity futu... |
Would I qualify for a USDA loan? | IMHO you are in no position to buy a home. If it was me, I'd payoff the student loans, pay off the car, get those credit card balances to zero (and keep them there), and save up at least 10K (as an emergency fund) before even considering buying a home. Right now you have no wiggle room. A relatively minor issue wit... |
Consolidate my debt? Higher APR, but what does that actually mean? | Your question indicates you really don't have a good grasp on personal finance. you might want to read a book or two. I'd recommend attending Financial Peace University, but my buddy Joe Taxpayer would throw an egg at me for that. Please take some sort of class. In the mean time, here is your plan: Pay this off do ... |
What happens to options after a stock split? | It will be similar to what you have said -- the options price will adjust accordingly following a stock split - Here's a good reference on different scenarios - Splits, Mergers, Spinoffs & Bankruptcies also if you have time to read Characteristics & Risks of Standardized Options |
Large orders and market manipulation | If you own a stake large enough to do that, you became regulated - under Section 13(d) of the 1934 Act and Regulation (in case of US stock) and you became regulated. Restricting you from "shocking" market. Another thing is that your broker will probably not allow you to execute order like that - directed MKT order for ... |
Does a failed chargeback affect my credit score? | If this chargeback failed then would it negatively affect my credit score? A credit score is a measure of how dependable of a borrower you are. Requesting a refund for not receiving goods not delivered as promised, whether it is successful or it fails, should not impact your credit score since it has no implications on... |
Explain: "3% annual cost of renting is less than the 9% annual cost of owning" | The house that sells for $200,000 might rent for a range of monthly numbers. 3% would be $6000/yr or $500/mo. This is absurdly low, and favors renting, not buying. 9% is $1500/mo in which case buying the house to live in or rent out (as a landlord) is the better choice. At this level "paying rent" should be avoided. I... |
Calculating the total capital of a company? | I was wondering how do we calculate the total capital of a company? Which items should I look for in the financial statements? Total capital usually refers to the sum of long-term debt and total shareholder equity; both of these items can be found on the company's balance sheet. This is one of the calculations that's t... |
Can you explain the mechanism of money inflation? | Your question asks about the mechanism of money inflation - not price inflation. Money inflation occurs when new money is introduced into an economy. The value of money is subject to supply and demand like other items in the economy. The effects of new money can be difficult to predict. One of the results of additi... |
Investment for beginners in the United Kingdom | Most investors should not be in individual stocks. The market, however you measure it, can rise, yet some stocks will fall for whatever reason. The diversification needed is to have a number of shares of different stocks, and that a bit higher than most investors are able to invest and certainly not one starting out. I... |
"Infinite Banking" or "Be Your Own Bank" via Whole Life Insurance…where to start? | Can't tell you where to go for a good policy, but I can tell you that most brokers make a hefty commission out of your payments for at least a year before you even start funding the tax sheltered investment account that you're trying to buy under the umbrella of life insurance. You'll have to do a lot of homework to hu... |
How should I report earning from Apple App Store (from iTunes Connect) in Washington state? | If you're waiting for Apple to send you a 1099 for the 2008 tax season, well, you shouldn't be. App Store payments are not reported to the IRS and you will not be receiving a 1099 in the mail from anyone. App Store payments are treated as sales commissions rather than royalties, according to the iTunes Royalty departme... |
How does a lender compute equity requirement for PMI? | In regards to the legal recourse, no there is none. Also, despite your frustrations with Citi, it may not be their fault. Mortgage companies are now forced to select appraisers (essentially at random) through 3rd party Appraisal Resource Companies (ARCs). This randomization mandate from the government was issued in ... |
Do I pay taxes on a gift of mutual funds? | First of all, in the U.S., no Federal gift tax has to be paid by the recipient of the gift; it is the donor who has to pay gift tax, if any is due. Nor does the recipient have to pay Federal income tax on the gift; it is not considered taxable income. I do not believe that any states view matters differently for the ... |
How do I make a small investment in the stock market? What is the minimum investment required? | There are more than a few ideas here. Assuming you are in the U.S., here are a few approaches: First, DRIPs: Dividend Reinvestment Plans. DRIP Investing: How To Actually Invest Only A Hundred Dollars Per Month notes: I have received many requests from readers that want to invest in individual stocks, but only have t... |
Is losing money in my 401K normal? | It is absolutely normal for your investments to go down at times. If you pull money out whenever your investments decrease in value, you lock in the losses. It is better to do a bit of research and come up with some sort of strategy about how you will manage your investments. One such strategy is to choose a target a... |
Best way to invest money as a 22 year old? | Hopefully this $1000 is just a start, and not the last investment you will ever make. Assuming that, there are a couple of big questions to consider: One: What are you saving for? Are you thinking that this is for retirement 40 or 50 years from now, or something much sooner, like buying a car or a house? You didn't say... |
Should I set a stop loss for long term investments? | Do not use a stop loss order as a long-term investor. The arguments in favor of stop losses being presented by a few users here rely on a faulty premise, namely, that there is some kind of formula that will let you set your stop such that it won't trigger on day-to-day fluctuations but will trigger in time to protect ... |
Recognizing the revenue on when virtual 'credits' are purchased as opposed to used | I'll assume United States as the country; the answer may (probably does) vary somewhat if this is not correct. Also, I preface this with the caveat that I am neither a lawyer nor an accountant. However, this is my understanding: You must recognize the revenue at the time the credits are purchased (when money changes ... |
Negative interest rates and search for yield | Can it be so that these low-interest rates cause investors to take greater risk to get a decent return? With interest rates being as low as they are, there is little to no risk in banking; especially after Dodd-Frank. "Risk" is just a fancy word for "Will I make money in the near/ long future." No one knows what the a... |
I carelessly invested in a stock on a spike near the peak price. How can I salvage my investment? | I had a coworker whose stock picking skills were clearly in the 1% level. I had a few hundred shares of EMC, bought at $10. When my coworker bought at $80, I quietly sold as it spiked to $100. It then crashed, as did many high tech stocks, and my friend sold his shares close to the $4 bottom advising that the company w... |
Stock valuation - Volkswagen | (I live in the UK and along with my wife we both drive Volkswagen cars.) A few factors: VW is widely acknowledged as having some of the best diesel car engines. -Now lot of people are questioning if diesel car will be outlawed. VM management has just said they don’t know what their workers are doing! The USA has made ... |
Car dealer saying that they cannot see any credit information for my co-applicant. Could this be a scam? | By law, your wife can get her full Equifax credit report (sans-FICO score) instantly (once every 12 months) via https://www.annualcreditreport.com She can even get her FICO score with a 7-day free trial of Equifax Complete Premier. |
Recommended finance & economy book/blog for a Software Engineer? | Another good economic comment blog is Naked Capitalism. |
Higher returns from international markets? | Here's the 2009-2014 return of the S&P 500 (SPY) vs. Vanguard FTSE ex-US (VEU) (higher returns bolded) Another argument for them is their low correlation to U.S stocks. Looking at history however, I don't see it. Most times U.S stocks have done badly, foreign stocks have also done badly. Looking at the last 6 years... |
Should I pay off my credit card online immediately or wait for the bill? | If you carried a balance from the last month, then pay the card off as soon as possible. Otherwise I agree with @mbhunter that you should wait until close to time for the bill to become due. Then always pay the credit card off in full and you will borrowing Chase's money interest free for up to 30 days. |
Why is the number of issued shares less than the number of outstanding shares | The formulae #issued shares = #outstanding shares + #treasury shares looks right. However it looks like the Treasury Shares are treated as -ve in accounting books and thus the outstanding shares are more than issued shares to the extent of Treasury shares. Further info at "Accounting for treasury stock" on wiki |
What does "no adjustments" mean? | In addition to the adjustment type in NL7's answer, there are a host of others. If there are any adjustments, form 8949 is required, if not, the gains can be separated into short and long-term and added together to be entered on Schedule D. Anything requiring an adjustment code in column F of the 8949 requires an ent... |
What is a good investment vehicle for introducing kids to investing? | Buy them a physical stock certificate... you can request them from a broker, or buy through a company like http://www.oneshare.com. Other options: |
What prevents investors from buying high yield stocks and selling them as soon as their dividend is paid out? | You have to be the owner of record before the ex-dividend date, which is not the same day as the date the dividend is paid. This also implies that if you sell on or after the ex-dividend date, you'll still get the dividend, even if you no longer own the stock. Keep in mind, also, that the quoted price of the stock (an... |
How to find a public company's balance sheet and income statement? | The balance sheet and income statements are located in the 10-K and 10-Q filings for all publicly traded companies. It will be Item 8. |
Recourse with Credit Card company after victimized by fraud? | If the business is being investigated by your state's Attorney General's office, then your first call should be to that office. They will be able to help you in a few ways, even if they can't explicitly resolve the situation, and they also would undoubtedly appreciate your information to add to their case as well. Fir... |
Is inflation inapplicable in a comparison of paying off debt vs investing? | I'd agree, inflation affects the value of the dollar you measure anything in. So, it makes your debt fade away at the same rate it eats away at dollar denominated assets. I'd suggest that one should also look at the tax effect of the debt or assets as well. For example, my 3.5% mortgage costs me 2.625% after tax. But ... |
How to use proceeds of old house sale shortly after buying new house? | Really this is no different from any kind of large lump sum and having a mortgage. There are probably many questions and answers on this subject. It really doesn't matter that the proceeds were the result of a sale, an inheritance would not change the answer. I think it is important to note that the proceeds will not... |
(Arizona) Bought a car with financing, do I take it to DMV/DOT? | No you dont need to take your car to DMV, They will send you the number plate and registration sticker to your home address. Dealer would have already charged you for that, he will send all the information to DMV and the temporary plate is also created through DMV only. |
What type of investments should be in a TFSA, given its tax-free growth and withdrawal benefits? | A questoin that I deal with almost every day. Like most investments it comes down to.....What is the purpose for this money? If it is truly a rainy day savings account that you may need in the short term, then fixed income investments like savings accounts, GIC's, Bonds, Bond funds and Fixed Income ETF's are ideal as... |
Unusual real estate market with seemingly huge rental returns | The way to resolve your dilemma is to consult the price-to-rent ratio of the property. According to smartasset.com: The price-to-rent ratio is a measure of the relative affordability of renting and buying in a given housing market. It is calculated as the ratio of home prices to annual rental rates. So, for example, in... |
Feasibility of using long term pattern on short term investments | There are Patterns inside of Patterns. You will see short term patterns (flags / pennants) inside of long term patterns (trend lines, channels) and typically you want to trade those short term patterns in line with the direction of the long term pattern. Take a look at the attached chart of GPN. I would like to recomm... |
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