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Should I invest in real estate to rent, real estate to live in, or just stocks and bonds to earn 10-15%? | Are there other options I haven't thought of? Mutual funds, stocks, bonds. To buy and sell these you don't need a lawyer, a real-estate broker and a banker. Much more flexible than owning real estate. Edit: Re Option 3: With no knowledge of investing the first thing you should do is read a few books. The second thing y... |
Company stock listed in multiple exchanges? | Keep in mind that the exchanges do not hold, buy, or sell the stock - people (or funds) do. All the exchange does is facilitate the sale of stock from one entity to another. So the shares outstanding (and market cap) for a company are set regardless of how many exchanges the stock is listed on. The company typically ... |
How to calculate cost basis for stock bought before a company spinoff? (USA) | Your brokerage account statement should report the Questar cost basis adjusted for the spinoff (and would have done so starting the day the spinoff happened), shifting the portion of it over to your shiny new QEP stock based on the opening price. At what price did you buy into Questar? The Questar IR site also has a do... |
Building a Taxable Portfolio Properly | Not a bad strategy. However: If you REALLY want tax efficiency you can buy stocks that don't pay a dividend, usually growth stocks like FB, GOOGL, and others. This way you will never have to pay any dividend tax - all your tax will be paid when you retire at a theoretically lower tax rate (<--- really a grey tax area h... |
Determining the basis for capital gain [duplicate] | If you make money in currency speculation (as in your example), that is a capital gain. A more complicated example is if you were to buy and then sell stocks on the mexican stock exchange. Your capital gain (or loss) would be the difference in value in US dollars of your stocks accounting for varying exchange rates. ... |
How to make money from a downward European market? | Trying to make money on something going down is inherently more complicated, risky and speculative than making money on it going up. Selling short allows for unlimited losses. Put options expire and have to be rebought if you want to keep playing that game. If you are that confident that the European market will com... |
Can I invest in gold through Vanguard (Or another instrument that should perform well in financial crisis)? | I found a comparison of stock and bond returns. The relevant portion here is that bonds went up by 10% in 2007 and 20% in 2008 (32% compounded). Stocks were already recovering in 2009, going up almost 26%. You don't mention what you were hoping to get from your gold investment, but bonds gave a very good return for... |
How to measure systematic risk of a stock? | Beta is the correct answer. It is THE measure of the risk relationship of a stock with the broad market. R squared is incorrect unless you mean something very odd by "co-efficiency." A stock that goes up each time the market goes down has very low co-efficiency (negative risk as you have defined it) but very high R s... |
How are the $1 salaries that CEOs sometimes take considered legal? | Even under the executive exemption, see Exemption for Executive Employees Under the Fair Labor Standards Act (FLSA) Section 13(a)(1) as defined by Regulations, 29 CFR Part 541, it seems that a minimum compensation is required. To qualify for the executive employee exemption, all of the following tests must be met: The ... |
How can I find stocks with very active options chains? | If you're willing to shell out some cash, vendors will be quite happy to sell you everything you need. Picking one out of thin air, and no idea if this is a good price or not, the CBOE will sell you EOD data for every option for $40 for one day, and at a discount for multiple days. Beyond the high/low/close for each c... |
Does a SIM only cell phone contract help credit rating? | I'm not sure if there are nuances between countries and appreciate your question is specifically about the US, but in the UK, mobile phone contracts, including SIM only, as seen by the chat in this experion website chat shows that mobile contracts are included in credit ratings for 6 years. |
Retirement savings vs building lucrative assets | Fahad, in finance we make a distinction between investments that tend to grow in value and assets that hold value. Investments that grow in value are generally related to investing in well-thought out businesses. Investments can be done in retirement accounts through stocks and bonds but also owning part of a busines... |
Good book-keeping software? | You can try Wave Accounting. Its a free software for Small Business and web-based. http://waveaccounting.com/ |
Where to request ACH Direct DEBIT of funds from MY OWN personal bank account? | Call Wells Fargo or go to a branch. Tell them what you're trying to accomplish, not the vehicle you think you should use to get there. Don't tell them you want to ACH DEBIT from YOUR ACCOUNT of YOUR MONEY. Tell them you apparently need a paperless transaction sent to this and that account at this and that bank. See... |
As director, can I invoice my self-owned company? | No, as a director normally you can't. As a director of a Limited company, all those payments should be accounted for as directors' remuneration and have been subject to PAYE and NIC, even if you are self-employed. Currently there is no legislation which prevents a director from receiving self-employment income from a c... |
What are the pros and cons of buying a house just to rent it out? | There are actually a few questions you are asking here. I will try and address each individually. Down Payment What you put down can't really be quantified in a dollar amount here. $5k-$10k means nothing. If the house costs $20k then you're putting 50% down. What is relevant is the percent of the purchase price you're ... |
What things are important to consider when investing in one's company stock? | Does your job give you access to "confidential information", such that you can only buy or sell shares in the company during certain windows? Employees with access to company financial data, resource planning databases, or customer databases are often only allowed to trade in company securities (or derivatives thereof... |
Withdraw funds with penalty or bear high management fees for 10 years? | Most financial "advisors" are actually financial-product salesmen. Their job is to sweet-talk you into parting with as much money as possible - either in management fees, or in commissions (kickbacks) on high-fee investment products** (which come from fees charged to you, inside the investment.) This is a scrappy, cu... |
Can I open a Demat account in India from abroad? | Yes NRIs are allowed to open a DEMAT account in India from abroad. Investments can be made under the Portfolio Investment NRI Scheme (PINS) either on repatriation or non-repatriation basis. As per,the guidelines of the Reserve Bank of India it is mandatory for NRIs to open a trading account with a designated institu... |
Previous owner of my home wants to buy it back but the property's value is less than my loan… what to do? | How about doing a Lease Option with a very long term and a very early "option" for the guy buying. Essentially he will be making your mortgage payments for the next couple few years. Much less paperwork for the both of you that way. See a lawyer for the paperwork, from my limited experience with a real estate lawyer ... |
Owning REIT vs owning real estate - which has a better hypothetical ROI? | REIT is to property as Mutual Fund is to stock. In others words, a REIT spreads your risk out over a greater number of properties, making the return safer, at the expense of both upside and downside risk. On average, both would average out to be the same. That said, you have a much wider range of outcomes when investi... |
Moving a personal business to a LLC accounting in California | You can move money in and out of the business at will, just keep track of every transaction. Ideally you'd use an accounting software like QuickBooks or similar. Create a Capital Contributions account and every time you put money into the business checking account record it as a Capital Contribution. Likewise, if you t... |
Why are stocks having less institutional investors a “good thing”? | It's not necessarily bad but it can cause the stock price to become a lot more volatile. Depends on which side of the bet you're on ;) Suppose a hedge fund manager thinks a company is poorly run. He may buy a ton of shares so that he can get rid of the current CEO and replace it with his/her own. For the hedge fund and... |
Should I purchase a whole life insurance policy? (I am close to retirement) | I'll start by saying that if this is being explored to scratch a specific itch you have then great, if this was a cold call it's probably safe to ignore it. Certain whole life products (they vary in quality by carrier) can make sense for very high earners who are looking for additional tax preferred places to store mon... |
Am I considered in debt if I pay a mortgage? | I think you're thinking that "in debt" doesn't just mean "owes a debt" but somehow means "owes more debt in total than the assets". That condition, owing money without offsetting assets, is "having a negative net worth". If you have a mortgage then you have a debt and you are in debt. You may have a positive net worth,... |
How can I decide whether do a masters even if I have go into debt after doing it? | I did some research and I found a very interesting article that had exactly my case as an example ( person has an undergrad from a nice University in the relative field and wants to do a masters to get a job in a high tech company). Here is the source. Consider “Susan:” She has an undergraduate degree from the Universi... |
What expenses do most people not prepare for that turn into “emergencies” but are not covered by an Emergency Fund? | Annual property tax and home insurance come to mind as things that are easily forgotten, but surely the biggest true, "I didn't see that coming," is a major car repair. There are a number of things that can go wrong with a car with little warning and end up costing a thousand dollars or more. Since most people are dep... |
Cash out 401k for house downpayment | Does it ever make sense? Yes, but almost never. If you're in a situation where you're invested in something with low rates (think government securities) or cash equivalents, then you do need to think about rate spread as you mention. Does the savings over the life over the mortgage beat out the 35% hit now, plus all t... |
Are buying and selling futures based on objective data? | If you're simply a futures speculator, then yes, it does seem like gambling. If you're a farmer producing a few thousand bushels of wheat, futures can be a mechanism for you to hedge against certain kinds of market risk. Same if you're running a heating oil company, etc. I just read somewhere that the bad spring weathe... |
Why would Two ETFs tracking Identical Indexes Produce different Returns? | The top ten holdings for these funds don't overlap by even one stock. It seems to me they are targeting an index for comparison, but making no attempt to replicate a list of holdings as would, say, a true S&P index. |
Self Assessment UK - Goods and services for your own use | Work on your own site is certainly not relevant here, that's just a part of your trade, not a service you provided to yourself. The business received the benefit of that work, not you. Suppose your business sold televisions. If you took a TV from stock for your own lounge, that would be included in this box because you... |
Are there any dangers in publicly sharing my personal finance data? | I think it's advisable to exercise a fair amount of caution when posting information about yourself online. With the advances in data aggregation efforts, information that would have been considered sufficiently anonymized in years past might no longer be sufficient to protect you from bad actors online. For example, d... |
What's the fuss about Credit Score / History? | I justed rented a new house, and they ran my credit to see if I am a reliable person. |
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... |
Indian equivalent of Vanguard S&P 500 | Also, when they mean SP500 fund - it means that fund which invests in the top 500 companies in the SP Index, is my understanding correct? Yes that is right. In reality they may not be able to invest in all 500 companies in same proportion, but is reflective of the composition. I wanted to know whether India also has a ... |
Use of free and clear houses as Collateral | Any sensible lender will require a lean lien against your formerly-free-and-clear property, and will likely require an appraisal of the property. The lender is free to reject the deal if the house is in any way not fitting their underwriting requirements; examples of such situations would be if the house is in a flood/... |
Why is a stock that pays a dividend preferrable to one that doesn't? | The ultimate reason to own stock is to receive cash or cash equivalents from the underlying security. You can argue that you make money when stock is valued higher by the market, but the valuation should (though clearly not necessarily is) be based on the expected payout of the underlying security. There are only three... |
How smart is it to really be 100% debt free? | Considering that we are in a low-interest rate period (the lowest in history), it's smart to loan money from the bank to reinvest in property or other investments as far as you get a better yield (ROI) than the interest. |
Why did the stock chart for Facebook's first trading day show an initial price of $42 when the IPO price was $38? | I'd add, this is actually the way any stock opens every day, i.e. the closing price of the prior day is what it is, but the opening price will reflect whatever news there was prior to the day's open. If you watch the business news, you'll often see that some stock has an order imbalance and has not opened yet, at the n... |
Should I buy a home or rent in my situation? | Another reason, and to me the main reason not to buy a house if you're in your early 20s (regardless of your income), is mobility. If you rent, you can move pretty much whenever you want after the first year of your rental lease is up, even before then in some cases. If your fiancee finishes school and gets a great job... |
What is a subsidy? | Subsidy usually means gratuitous financial support. For example, if for whatever reason you live much below the living average paying utility services in full might be too expensive - you'll be out of money before you even think of buying food and basic clothes. Yet it's clear that once can't live in a city without uti... |
How to find out if I have a savings account already? | If you know what bank your parents used, call them and ask. (Or you might have to go there and show id). Chances are if such an account exists, it would be at the same bank. You can also search for unclaimed property. Here's the information link for Florida. |
My boss wants to buy me a gift. How do I account for taxes for this? | Gifts given and received between business partners or employers/employees are treated as income, if they are beyond minimal value. If your boss gives you a gift, s/he should include it as part of your taxable wages for payroll purposes - which means that some of your wages should be withheld to cover income, social sec... |
What can I replace Microsoft Money with, now that MS has abandoned it? | If you would like to use linux I suggest you to use KMyMoney http://kmymoney2.sourceforge.net/ It is based on gnucash but it is easier to use IMO |
How much do big firms and investors affect the stock market? | The price of a company's stock at any given moment is established by a ratio of buyers to sellers. When the sellers outnumber the buyers at a given price, the stock price drops until there are enough people willing to buy the stock to balance the equation again. When there are more people wanting to purchase a stock ... |
Can you depreciate assets differently between Federal, State, and Local? | In general, you most definitely can. In some cases you must. However for each State you'll have to check whether you can choose how to depreciate. Many States require you to take the same depreciation as on the Federal schedule, including Sec. 179, others won't allow Sec. 179 at all. Specifically to PA, I haven't found... |
Is it common in the US not to pay medical bills? | My answer might be out of date due to the Affordable Health Care law. I will answer for the way things were prior to that law taking effect. In my experience, hospitals have a financial assistance program you can apply for. If you can show a financial need, the hospital will only charge you a certain percentage of yo... |
What is the easiest way to back-test index funds and ETFs? | check pastsat-backtesting , backtesting tool, where one can can test on well known technical indicators without coding skills |
Is it worth it to reconcile my checking/savings accounts every month? | I don't use debit cards, but if I did I would review that portion of the statement. I look at my credit card statements pretty closely, and probably catch one or two mistakes or things I want to question every year. |
Can you beat the market by investing in double long ETFs? [duplicate] | NO. All the leveraged ETFs are designed to multiply the performance of the underlying asset FOR THAT DAY, read the prospectus. Their price is adjusted at the end of the day to reflect what is called a NAV unit. Basically, they know that their price is subject to fluctuations due to supply and demand throughout the day ... |
Avoiding Capital Gains Long Term | It's correct. Be sure of your personal opportunity cost and not that you're letting the tax tail wag the dog just to score "tax free". Your upside is $3,700 (single) or $7,000 (married) in taxes saved until you're out of the 0% zone. Is that worth not receiving an income? Even if your savings are such that you don'... |
While working overseas my retirement has not gone into a retirement account. Is it going to kill me on the FAFSA? | According to the FAFSA info here, they will count your nonretirement assets when figuring the EFC. The old Motley Fool forum question I mentioned in my comment suggests asking the school for a "special circumstances adjustment to your FAFSA". I don't know much about it, but googling finds many pages about it at differ... |
Should I include retirement funds in calculating my asset allocation? | Personally, I do asset allocation separately for personal investing and for retirement investing, as I the two have vastly different purposes and I have vastly different goals for each. YMMV depending on how you view your non-retirement investments, and how close you are to retirement. |
Is gold really an investment or just a hedge against inflation? | From Wikipedia: Investment has different meanings in finance and economics. In Finance investment is putting money into something with the expectation of gain, that upon thorough analysis, has a high degree of security for the principal amount, as well as security of return, within an expected period of time. I... |
Options for dummies. Can you explain how puts & calls work, simply? | So, child, your goal is to make money? This is usually achieved by selling goods (say, lemonade) at a price that exceeds their cost (say, sugar, water and, well, lemons). Options, at first, are very much same in that you can buy the right to engage in a specific future trade. You make money in this situation if the eve... |
How can I find out the credit rating of a company | Dunn & Bradstreet offers detailed credit reports on businesses. They are not cheap, but they appear to have information on RIOCAN. |
Is house swapping possible? | You would have to find someone in the other state who wanted to swap. This is conceivable but difficult if you want the houses to be the same value. How do you find the one person who lives in the right place now and wants to move to the right area? The normal way this situation is handled is to simply put your hou... |
Making money through CFD | What is being described in Longson's answer, though helpful, is perhaps more similar to a financial spread bet. Exactly like a bookmaker, the provider of a spread bet takes the other side of the bet, and is counter party to your "trade". A CFD is also a bet between two parties. Now, if the CFD provider uses a market ma... |
When do I need to return short stock to the lender | If the owner of the stock wants it back, they "call" it back. There are no guarantees of how long you can keep it for your short, or the cost involved to hold it. Usually, everyone knows about a particular set-up (e.g. a warrant or convertible bond mispricing) that is attractive for arbitrage. This causes the associat... |
Why do people always talk about stocks that pay high dividends? | When you invest in stocks, there are two possible ways to make money: Many people speculate just on the stock price, which would result in a gain (or loss), but only once you have resold the shares. Others don't really care about the stock price. They get dividends every so often, and hopefully, the return will be bett... |
CD interest rate US vs abroad, is there a catch? | If you invest in a foreign bank you are subject to their financial rules and regulations. If you put your money with their CD it will be converted to UAH (grivna) and you will be paid back in UAH, which introduces the exchange rate risk. FDIC is not the only reason why a CD in a US bank pays a lower interest, but it c... |
Finance, Cash or Lease? | Now, to buy in full (and essentially have zero savings), buy in part (£10000 deposit, followed by a loan of £4000) or PCP/HP more of the value? So, you are assessing if the car is worth having with either none or only 4,000 in savings. This is the most critical information you have provided. My outright opinion is to... |
Can I withdraw from my Roth IRA retirement account to fund a startup? | There are two methods of doing this Pulling out the money and paying the penalty if any, and going on your way. Having the Roth IRA own the business, and being an employee. If you go with the second choice, you should read more about it on this question. |
How and Should I Invest (As a college 18 year old with minimal living expenses)? | I'd suggest you keep putting money in your savings account and start investing after you land that first big job. As another answer mentioned, unless you're fortunate enough to have all of your tuition and living expenses paid for, an emergency fund is an invaluable tool for a college student. And the bigger the better... |
What prevents interest rates from rising? | To protect yourself from an increase in interest rates get a fixed rate loan. The loan terms: interest rate, number of payments, monthly payments will be fixed for the loan. Of course if rate for the rest of the market drops during the period of the loan, you may be able to refinance the loan. But if you can't refinanc... |
Potential pitfalls of this volume trading strategy | People are trying ideas like this, actually. Though they generally aren't very public about it. While keshlam ventures into hyperbole when mentioning Watson, he is certainly correct human language parsing is a extremely hard problem. While it is not always true that the big players will know before the news (sometime... |
In-laws moving in (financial/tax implications)? | You are "pool[ing] the sales from both houses as downpayment on the new house." But they are going to pay you rent. Your question as it stands, just opens more questions. What, exactly is the ownership of the new house? If your's (and your wife's) was the money a gift? Ignoring the gift, if that's what it is, and if ... |
Can a US bank prevent you from making early payments to the principal on a home mortgage? | Some lenders want to discourage the borrower from making these additional payments because they want to sell this as a service. They might set this up for you, or they have a contract with a 3rd party to set it up. These services generally charge you to initiate the process, and may have a recurring fee. They take 1/2 ... |
Should I remodel or buy a bigger house? | I am quite sure you can set up an office in your basement for a lot less than $15,000. Don't build any walls, install any flooring, or upgrade the ceiling. Just install more lights and plugs. Set up your desks, bookshelves and what not in whatever corner is furthest from noises like the laundry room or the furnace. The... |
Thrift Saving Plan (TSP) Share Price Charts | TSP.Ninja http://www.tsp.ninja has all the TSP funds with good visualizations that are very similar to Google Finance. |
Which is the better strategy for buying stocks monthly? | To optimize your return on investment, you need to buy low and sell high. If you knew that one stock had hit rock bottom, and the others had not, buying the low stock would be the best. However, unless you can predict the future, you don't know if any individual stock has hit the bottom, or if it will continue to drop... |
First time consultant, doubts on Taxation | I would look into the possibility that the promise "that no taxes will be withheld" is all about your status as a 'consultant'. They may be meaning you to be treated like a business they buy services from. In Canada the distinction is very watery and I presume the same in India. If you agree to become a business, the... |
Didn't apply for credit card but got an application denied letter? | The use of an old address would make me suspect that your data was stolen from some database you had registered to long ago with the old address. I would think that contacting your credit rating firm and the credit card company is urgent. |
4 months into a 30 month car loan, need new engine, can't sell any body parts | Without knowing the details of your financial situation, I can only offer general advice. It might be worth having a financial counselor look at your finances and offer some custom advice. You might be able to find someone that will do this for free by asking at your local church. I would advise you not to try to get... |
Why do so many people trade a bankrupt company's stock? | It may have some value! Investopedia has a well-written quick article on how stock holders may still get some portion of the liquidated assets. While there is generally little left for common shareholders if the price of those shares is tiny and some money does come back to shareholders there can still be significant... |
Unemployment Insurance Through Options | That's not unemployment insurance. Because it's perfectly possible, and even likely, that your industry will do badly but you'll keep your job, or that your industry will do well but you'll lose your job anyway. Any bet you make to insure yourself against unemployment has to be individually about you -- there are no su... |
Bid-Ask at market open, which comes first? [duplicate] | The options market requires much more attention to avoid the situation you're describing. An overnight $10 ask will remain on the books most likely as Good-Til-Canceled. The first to bid the low order gets it. If traders are paying attention, which they probably are then they will bid at $10. If not, they will bid i... |
Options for dummies. Can you explain how puts & calls work, simply? | Here's my attempt at "Options for Kids" "Hey kid... So you have this video game that you paid $50 for that you want to sell two months from now" "Yes, Mr. Video Game Broker, but I want to lock in a price so I know how much to save for a new Tickle Me Elmo for my baby sister." "Ok, for $3, I'll sell you a 'Put' option s... |
Strategies for saving and investing in multiple foreign currencies | The bad news is that foreign exchange is ultimately somewhat unpredictable, and analyzing the risk of these things is not particularly straightforward. I'm afraid I don't know what tools exist to analyze these, aside from suggesting you look at textbooks for financial analysis classes. The good news is that there are o... |
How to make a decision for used vs new car if I want to keep the car long term? | New cars are sold for about $500 over their blue book value. They drop in value by about 20% their first year. Used cars are sold for about $2,500 above their blue book. They depreciate like normal. My advice based on my personal experience is to get a new car. When buying a used car, remember that the previous owner s... |
Should Emergency Funds be Used for Infrequent, but Likely, Expenses? | The concept of emergency fund is a matter of opinion. I can tell you the consensus is that one should have 6-9 months worth of expenses kept as liquid cash. This is meant to cover literally all bills that you might encounter during that time. That's a lot of money. There are levels of savings that are shy of this but ... |
What differentiates index funds and ETFs? | I think that assuming that you're not looking to trade the fund, an index Mutual Fund is a better overall value than an ETF. The cost difference is negligible, and the ability to dollar-cost average future contributions with no transaction costs. You also have to be careful with ETFs; the spreads are wide on a low-volu... |
Strategies for putting away money for a child's future (college, etc.)? | Being in the same situation, and considering that money doesn't need to be available until 2025, I just buy stocks. I plan to progressively switch to safer options as time passes. |
Will a credit card company close my account if I stop using it? | Please realize that your issuer can close the account for any number of reasons. Inactivity is one, as having a credit line open costs them money and if you never charge anything, the company doesn't get any transaction fees from vendors nor does the company get to charge you any interest. An occasional charge is like... |
Need to change cash to cashier's check without bank account (Just arrived to the US) | If you have an SSN and foreign passport - it's all you need to open account, so just open it and order a checkbook. It will take some time before they will issue it but most probably they'll give you some checks to use till that very moment. So basically you should: Also I strongly suggest you to open two accounts - o... |
Why don't forced buy-ins of short sold stock happen much more frequently? | Nobody is going to short sell stocks through a lender that forces people to buy in as soon as it is getting good for them. |
How can I calculate the volatility(standard deviation) of a stock price? and/or ROI (return on investment) of a stock? | the "how" all depends on your level of computer savvy. Are you an Excel spreadsheet user or can you write in programming languages such as python? Either approach have math functions that make the calculation of ROI and Volatility trivial. If you're a python coder, then look up "pandas" (http://pandas.pydata.org/) - it... |
What is the role of a manager in a passively managed index fund? | There is trading, and while it can be automated, someone has to define the rules for the automated system. Why not call that person the manager? |
How does order matching happen in stock exchanges? | To answer your question in its entirety there's more information we need (exchange, session, traded security, order type, etc.). Most exchanges support partial fills, that is your order will be partially executed and modified. In your example, you'd get an execution of 10 shares at $100, and your order ticket will be ... |
How do I find the mappings between sedol and isin codes? | You can get this information through Bloomberg, but it's a paid service. |
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... |
Options price vs implied volatility - who drives who? | Currently, when "implied volatility" is spoken, the Black-Scholes-Merton model is implied. This model has been shown to be deficient, thus the Variance Gamma Model should be used. However, as nearly no one uses VG, it can be assumed that BS is still being implied. The BS formula has multiple variables. Some are exter... |
Possible to purchase multiple securities on 1 transaction? | No you can't, as you would have to have a different order for each security. Usually the bigger the order the more the brokerage you would also pay. |
Is it safer to send credit card number via unsecured website form or by e-mail? What safer options are there? | Your biggest risk with a vendor like this is not that your Credit Card Number will be stolen in transit, it is that it will be stolen from the vendor. I agree with @mhoran that using a one-time number is the best plan, provided you have a bank that offers such numbers. Bank of America calls it "Shop Safe" while Citiba... |
Is it normal to think of money in different “contexts”? | The psychology around money is the subject of a lifetime of study. Your observations are not uncommon. The market daily fluctuation is out of our control. Hopefully, by the time the 1% volatility impacts you by say $1,000, you'll have grown accustomed to it, so when the 1% is then $10,000, you won't lose sleep. The d... |
Deferring claim of significant purchase of RRSPs | You can't defer reporting of the RRSP purchases. The financial institution will report those purchases to CRA, and the CRA expects to see you report those purchases on your return. If they don't match, expect to be audited and to pay penalties. However, you can defer the tax deduction of those purchases until later ... |
What is the opposite of a sunk cost? A “sunk gain”? | liquid asset A sunk cost may turn out to be a loss or it may make you a profit, but what makes it "sunk" is: you can't get it back. The opposite is a cost that you can later redeem, which makes it "liquid". |
Is it true that 90% of investors lose their money? | The game is not zero sum. When a friend and I chop down a tree, and build a house from it, the house has value, far greater than the value of a standing tree. Our labor has turned into something of value. In theory, a company starts from an idea, and offers either a good or service to create value. There are scams tha... |
How to pay with cash when car shopping? | When you pay cash for a car, you don't always necessarily need to pay cash. You just aren't using credit or a loan is all. A few options you have are: Obviously no dealer expects anyone to just have the cash laying around for a car worth a few thousand dollars, nor would you bother going to your bank or credit union fo... |
Best buying price on stock marketing based on market depth detail (CSE atrad tool) | When I first started working in finance I was given a rule of thumb to decide which price you will get in the market: "You will always get the worst price for your deal, so when buying you get the higher ask price and when selling you get the lower bid price." I like to think of it in terms of the market as a participa... |
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