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How can I detect potential fraud in a company before investing in them? | Given that such activities are criminal and the people committing them have to hide them from the law, it's very unlikely that an investor could detect them, let alone one from a different country. The only things that can realistically help is to keep in mind the adage "If something sounds too good to be true, it prob... |
Why does it look like my 401k loan default was not paid by my 401k account balance? | When you leave an employer, 401(k) loans are immediately due (or within 30 days or 60 days). So maybe they are waiting to see if you will pay off your loan. If you wanted to transfer the loan as well, you need to talk to your new 401(k) plan administrator to find out if this even possible. If they say No and you don't ... |
Buying a building with two flats, can I rent one out and still get a residential mortgage? | NO Even worse, most BTL(buy to let) lenders will not lend if you are going to be living in the property. There are very few lenders that will touch something like this. It is likely you will also need to use bridging for the time the building work takes at something like 1.5% per month! Try posting the question t... |
How to buy out one person's share of a jointly owned vehicle with the lowest taxes and fees | You should be able to refinance the vehicle and have the financing in just your name (assuming you can secure the financing). Since you are already on the vehicle registration, this would not constitute a sale, and thus would not incur additional sales tax. To remove the other person from the vehicle registration, lea... |
Do I live in a state for tax purposes if my permanent home is in another state? | You're most likely required to file in both for 2013 - since you've lived in both. From 2014 and on you're definitely a NY resident (since you're renting a place there and live there), and you may very well continue being NJ resident (since you're essentially continue being domiciled there). I suggest talking to a EA/C... |
Where to Park Proceeds from House Sale for 2-5 Years? | Your objectives are contradictory and/or not possible. Eliminating the non-taxable objective: You could divide the $100K in 5 increments, making a "CD ladder" $25K in 3mo CD (or savings a/c) $25K in 6 mo CD $25K in 9mo CD $25K in 1 yr CD or similar structure (6mo also works well) Every maturing CD you are able to acces... |
How to help a financially self destructive person? | I learned this from a business book on managing people, but I think it applies equally well here. You can't put in what God left out of people. I know several people with this mentality about money and you simply have to make your sculpture out of the clay you have. In this case, however, it seems that ship has saile... |
What are my tax-advantaged investment options at a university job? | Yes. Two years after your first contribution to the SIMPLE IRA, you can roll it to a traditional IRA. You can still contribute "pre-tax", but the mechanism will be slightly different, since with an employer plan the contribution was automatically deducted from your paycheck. With an individual plan, you make the cont... |
What exactly is a “bad,” “standard,” or “good” annual raise? If I am told a hard percentage and don't get it, should I look elsewhere? | Keep in mind that unless you have a contract that says you get a certain amount of raise every year, the employer is not required to give you any raise. The quality of a raise is too subjective for anyone to tell you how to judge it. You either get a raise you can live with, it makes you content/happy, and you continu... |
Can a credit card company raise my rates for making a large payment? | No. That's pretty unlikely. Card issuers typically base your rate on your credit score. Paying down debt reduces your percent of available credit used, and improves your score until you are in the 1-20% range. That's optimum. To this issuer, you are one of a million customers, there's no emotion in this, just numbers t... |
How do I find an ideal single fund to invest all my money in? | While it is certainly easy to manage single fund, I am not sure it's the right strategy. It's been proven again and again that portfolio diversification is key to long term gains in wealth. I think your best option is to invest in low cost index funds and ETFs. While rebalancing your portfolio is hard, it is vastly sim... |
Bond ETFs vs actual bonds | ETFs are just like any other mutual fund; they hold a mix of assets described by their prospectus. If that mix fits your needs for diversification and the costs of buying/selling/holding are low, it's as worth considering as a traditional fund with the same mix. A bond fund will hold a mixture of bonds. Whether that mi... |
Can I get a dumbed down explanation of risk measures used for evaluating stocks? | Standard deviation from Wikipedia : In statistics and probability theory, the standard deviation (represented by the Greek letter sigma, σ) shows how much variation or dispersion from the average exists.1 A low standard deviation indicates that the data points tend to be very close to the mean (also called expe... |
Can you recommend some good websites/brokers for buying/selling stocks in India? | Indiabulls. Low brokerage (If you bargain) I'm user of it and I'm getting 25paisa for delivery and 5 paisa for intraday. All transactions can be done online. Also they provide an stand alone application PowerIndiabulls, which is too good and appraised by many users as best in the industry. Not sure about it, but I thin... |
Can a car company refuse to give me a copy of my contract or balance details? | Phone conversations are useless if the company is uncooperative, you must take it into the written word so it can be documented. Sent them certified letters and keep copies of everything you send and any written responses from the company. This is how you will get actual action. |
Is it worth investing in Index Fund, Bond Index Fund and Gold at the same time? | I'd say neither. Index Funds mimic whatever index. Some stocks that are in the index are good investment opportunities, others not so much. I'm guessing the Bond Index Funds do the same. As for Gold... did you notice how much gold has risen lately? Do you think it will keep on rising like that? For which period? (Hint:... |
To pay off a student loan, should I save up a lump sum payoff payment or pay extra each month? | Simply, you should put your money into whatever has the higher interest rate, savings or repayment of debt. Let's say at the beginning of month A you put $1000 into each account. In the case of the savings, at the end of month A you will have $1001.6 ($1000 + 1000 x 2% annual interest / 12) In the case of a loan, at th... |
Some U.S. Tax Questions (CPA Concerns) | He has included this on Schedule D line 1a, but I don't see any details on the actual transaction. It is reported on form 8949. However, if it is fully reported in 1099-B (with cost basis), then you don't have to actually detail every position. Turbotax asked me to fill in individual stock sales with proceeds and cos... |
Does high frequency trading provide economic value? | This is a very important question and you will find arguments from both sides, in part because it is still understudied. Ben Golub, Economics Ph.D., from Stanford answers "Is high-frequency trading good for the economy?" on Quoram quite well. This is an important but understudied question. There are few published ac... |
If there's no volume discount, does buying in bulk still make sense? | To Rich Seller's point, we live 1/2 gallon of gas and 30 minute round trip from the supermarket. For the items that are non-perishable, such as bathroom or facial tissue, paper towels, shampoo,soap, toothpaste, etc, there's value in never running out of it. (@JohnFx - your point is well taken. When my daughter was a ... |
Wisest option to pay for second career education | Tl;dr by anecdata I paid for my master's degree from investments/savings with a HELOC backstop It appears you don't have the 62k cash needed for tuition and living expenses so your decision is between financing a degree by selling your investments or a loan. Ultimately this comes down to the yes/no sell decision on ... |
What's the process to buy an old house to tear it down and create a new one? | By process, I assume you mean the financial process. Financially, this doesn't look any different to me than buying an empty lot to build a rental unit, with the added expense (potentially significant) of doing the tear-down. Given your lack of experience and capital, I would be very hesitant to jump in like this. You ... |
How to gift money anonymously to an individual after collection thru a donation site? | You mention that "A great friend and couple's family" which makes me think this is a couple. For gift tax concerns, you can give a couple 2 x the gift tax exemption ($28,000 in 2015). Your example of $22k would fit in this amount. To give this money anonymously, I know that people have reached out to a pastor in the... |
Adding a 180 day expiration to checks | While you can print that on the check, it isn't considered legally binding. If you are concerned about a check not being deposited in a timely manner, consider purchasing a cashier's check instead. This doesn't solve the problem per se, but it transfers responsibility of tracking that check from you to the bank. |
When to hire an investment professional? | I don't know what you mean by 'major'. Do you mean the fund company is a Fidelity or Vanguard, or that the fund is broad, as in an s&P fund? The problem starts with a question of what your goals are. If you already know the recommended mix for your age/risk, as you stated, you should consider minimizing the expenses, ... |
What is meant by one being in a “tax bracket”? | As ApplePie discusses, "tax bracket" without any modifiers refers to a single jurisdiction's marginal tax rate. In your case, this is either your California's "tax bracket" or your Federal "tax bracket" (not including marginal Social Security and Medicare taxes). But if someone says "combined state and federal tax br... |
What is a good way to save money on car expenses? | Don't buy the first model year of a new model unless the fuel economy is much better in the latest model. Buying a car in later years just before the changeover will result in a slightly higher quality vehicle or in some cases dramatically higher quality. Find the best forum for your make/model/year of car. Join the ... |
why would someone buy or sell just a few shares in stocks | I buy or sell a few shares whenever I have a small amount of money to transfer into out of my mutual funds. Since I'm not paying transaction fees, there is no reason not to, when that is what makes sense. If you are paying a fee for each transaction, of course it makes sense to try to wait until you have a larger amoun... |
Employee stock option plan with undefined vesting? | An option without the vesting period and the price at which one can exercise the option is of not much value. If vesting is determined by board, then at any given point in time they can change the vesting period to say 3, 5, 10 years any number. The other aspect is at what price you are allowed to exercise the option, ... |
Money Structuring | Structuring, as noted in another answer, involves breaking up cash transactions to avoid the required reporting limits. There are a couple of important things to note. And, the biggest caveat - there have been many cases of perfectly legitimate transactions that have fallen foul of the reporting requirements. One ... |
Paying Off Principal of Home vs. Investing In Mutual Fund | Excellent answers so far, so I will just add one additional consideration: liquidity. Money invested in a mutual fund (exclusive of retirement accounts with early withdrawal penalties) has a relatively high liquidity. Whereas excess equity in your home from paying down early has very low liquidity. To put it simply: If... |
Why does it look like my 401k loan default was not paid by my 401k account balance? | There are multiple reasons why this may have happened: 1.) I couldn't tell in your question whether or not you had already paid off the loan before requesting the rollover. But if the loan was defaulted - then the $9k left in your account is not distributable, but is there to pay back the remaining balance on your loan... |
Why would you ever turn down a raise in salary? | In the UK, recent changes to pension taxation mean that from April 2011, people earning between £150,000 and £180,000 total and making large pension contributions (>£50,000 or so) will pay a marginal tax rate on additional salary of >100%. This is because pension contributions normally attract tax relief at the highest... |
What is a checking account and how does it work? | A savings account and a checking account (or a "demand" account, or a "transactional" account) have different regulations. For example, fractional reserve requirements are 10% against checking accounts, but 0% against savings accounts. The theory is that savings accounts are sticky, while checking accounts are hot mo... |
Is the stock market too risky for long term retirement funds? Why should a 20- or 30-something person invest in stocks? | I would start with long term data. It would show how 40 years worth of stock investing puts the investor so far ahead of the "safe" investor that they can afford to lose half and still be ahead. But - then I would explain about asset allocation, and how the soon to be retired person had better be properly allocated if ... |
Is selling put options an advisable strategy for a retiree to generate stable income? | This is a really bad idea. You are asking to be forced to pay for something at a time when you most likely NOT want to buy it. Why? There is no stability (much less any degree of predictability) to give up the right to control when and for how much you would be willing to own the S&P500. Just don't do it....."generate ... |
Can we cash a check under business name? | All banks in the US that I have ever worked with will allow you to deposit checks if: In your case, you have 3 options: |
E*Trade commission | The commission is per trade, there is likely a different commission based on the type of security you're trading, stock, options, bonds, over the internet, on the phone, etc. It's not likely that they charge an account maintenance fee, but without knowing what kind of account you have it's hard to say. What you may be... |
Do I purchase stocks or not? | You didn't give enough information. What is your goal? What is your financial situation? A discount to buy company stock can seem very tempting. I was tempted by it myself, gee, almost 20 years ago. I still own some of the stock. But I held mutual funds first. There are two disadvantages that have disuaded me fr... |
Buying Fixed Deposit in India from Europe | A few weeks ago, I was thinking about this exact thing (except swap Euros for Canadian Dollars). The good news is that there are options. Option 1: yes, buy Indian fixed deposits Interest rates are high right now- you can get up to 9% p.a. It boils down to your sentiment about the Indian rupee going forward. For instan... |
Is it safe to take a new mortgage loan in Greece? | No it is not safe to take out a new mortgage - loan or anything credit related or any investment - in greece. Growing political risk, bonds have junk credit rating. You will be underwater on your mortgage the day you apply for it. And you better believe that the buyers will be dry once you realize that it doesn't make... |
Where can I find the nominal price of a stock prior a split into multiple companies? | When Hewlett Packard split they changed their name to HP Inc. and spun off Hewlett Packard Enterprise as a new corporation. This means HP Inc. has the same stock history and ticker (HPQ) as Hewlett Packard did so that's the one you want to search for. As you noticed this also means it's impossible to search for old Hew... |
How often does a stock price change and where is this defined? | Stocks prices are determined whenever a buyer and seller agree to trade at a given price. The company (you use AAPL as an example) doesn't set its own stock price. Rather, the investors set the price every time it trades. There's no "official" price -- just the last trade. Likewise, you can offer to trade a stock at wh... |
Should one invest in smaller valued shares in higher amounts, or higher valued shares in smaller amounts? | Short answer: No, it only matters if you want to use covered calls strategies. The price of a share is not important. Some companies make stock splits from time to time so that the price of their shares is more affordable to small investors. It is a decision of the company's board to keep the price high or low. More im... |
What caused this drop? | I do not fully understand the transactions involved, but it appears that there was a reverse stock split (20:1) and some legal status change as well on June 29th. This seems to be the cause for the change in valuation of the stock as the dates match the drop. https://www.otcmarkets.com/stock/RMSLD/filings |
23 and on my own, what should I be doing? | Okay, since you work hourly there are two substantial changes you can make: 1) Move out of Astoria and closer to Jersey City, such as, to Jersey City. Move out of NYC into Jersey!? Heresy! But that ship sailed when you started working there. 2) Work more hours now that you aren't spending 2 hours and 30 minutes of your... |
Buying my first car: why financing is cheaper than paying cash here and now? | The advice given at this site is to get approved for a loan from your bank or credit union before visiting the dealer. That way you have one data point in hand. You know that your bank will loan w dollars at x rate for y months with a monthly payment of Z. You know what level you have to negotiate to in order to get a... |
Bonds vs equities: crash theory | Cash would be the better alternative assuming both stocks take a major hit in ALL categories AND the Fed raise rates at the same time for some reason. Money market funds that may have relatively low yields at the moment would likely be one of the few securities not to be repriced downward as interest rates rising would... |
How To Assign Payments Received Properly In GnuCash? | When I receive a check from a customer whom I previously sent an invoice, I go to the customer report for that customer, click on the link "Invoice" for that invoice, then click on the Pay Invoice button (very far right side). I then do a customer report and see that there is no balance (meaning all the invoices have b... |
Any tips for asset allocation across multiple retirement accounts? | I have a similar situation -- five different accounts between me and my wife. Just as you and @Alex B describe, I maintain my asset allocation across the combination of all accounts. I also maintain a spreadsheet to track the targets, deviations from the targets, amounts required to get back in balance, and overall per... |
Is there a benefit, long term, to life insurance for a youngish, debt, and dependent free person? | For most situations the "no need" answers are 100% correct. The corner case to think about depends on your health and your family history. Not to be morose, but if folks in your family who died young from heart issues, clusters of cancer or other terminal illnesses, you may want to consider getting medically qualified... |
What is the proper way to report additional income for taxes (specifically, Android development)? | You would report it as business income on Schedule C. You may be able to take deductions against that income as well (home office, your computer, an android device, any advertising or promotional expenses, etc.) but you'll want to consult an accountant about that. Generally you can only take those kinds of deductions ... |
Should I make more conservative investments in my company 401(K) if I'm going to leave the job in a couple of years? | It doesn't make a difference if you will be keeping it in the 401K or transferring it to an IRA, it is still retirement money that you plan on investing for decades. Pre-Enron many employees invested significant amounts of their retirement funds with the employer. One of the risks was that if a single stock was down a... |
Is Cash Value Life Insurance (“whole life” insurance) a good idea for my future? | I am of the strong opinion that life insurance should be purchased as a term product and nothing more. The internal expense is usually high, the returns, poor and the product disclosure is often incomprehensible. The only purpose Cash Value Life Insurance serves, in my opinion, is to fund the retirement and college edu... |
New company doesn't allow 401k deposits for 6 months, what to do with money I used to deposit? | I would open a taxable account with the same custodian that manages your Roth IRA (e.g., Vanguard, Fidelity, etc.). Then within the taxable account I would invest the extra money in low cost, broad market index funds that are tax efficient. Unlike in your 401(k) and Roth IRA, you will now have tax implications if your ... |
How to calculate a mutual fund's yield | If the expense ratio of the fund is 0.00% then yes. However, if the fund has expenses of 1% then if the NAV of the fund is $10/share the expenses would cause you to see only $.002 a share and thus you'd have $.10 in total as the expenses first cut down the yield. |
How can rebuilding a city/large area be considered an economic boost? | Wikipedia's article on the Parable of the broken window mentions that Keynesians would argue that broken windows can be useful in depressed economies. I think Japan's economy was somewhat depressed, so if it applies anywhere, it'd apply in this scenario. |
Efficient markets hypothesis and performance of IPO shares after lock-up period | There are rules that prevent two of the reactive measures you suggest from occurring. First, on the date of and shortly following an IPO, there is no stock available to borrow for shorting. Second, there are no put options available for purchase. At least, none that are listed, of the sort you probably have in mind. In... |
Home Valuation in a Dodgy neighborhood | Over the last ten years you have reaped the benefits of a good financial decision. (Presumably your low mortgage has freed up money for other financial priorities.) There would be no harm in making a clean break by selling as is. On the other hand, the resale value would probably be rather low considering the conditio... |
How can I determine if a debt consolidation offer is real or a scam? | I believe no-one who's in a legal line of business would tell you to default voluntarily on your obligations. Once you get an offer that's too good to be true, and for which you have to do something that is either illegal or very damaging to you - it is probably a scam. Also, if someone requires you to send any money w... |
Sanity check on choosing the term for a mortgage refinance | If the best they can do is 1/8th of a percent for a 15 year term, you are best served by taking the 30 year term. Pay it down sooner if you can, but it's nice to have the flexibility if you have a month where things are tight. |
Where to park money while saving for a car | Nothing's generating a whole lot of interest right now. But more liquid and stable is better (cash or cash-like). But a related question: Why a new car? You can knock thousands of dollars off of the price of a comparable vehicle by buying one that's one or two years old. Your new vehicle loses thousands of dollars ... |
How can I help others plan their finances, without being a “conventional” financial planner? | I think it's great that you want to contribute. Course Instructor You may want to take a look at becoming an instructor for a course like Dave Ramsey's Financial Peace University. These are commonly offered through churches and other community venues for a fee. This may be a good fit if you want to focus on basic finan... |
What does Capital Surplus mean? | Capital surplus is used to account for that amount which a firm raises in excess of the par value (nominal value) of the shares (common stock).. Investopedia has a much simpler answer. Somebody has tried to be smart on wikipedia and have done the calculations without much explanation. The portion of the surplus of a bu... |
How can my dad (grandpa) transfer shares to my 2 year old son? | A UTMA may or may not fit your situation. The main drawbacks to a UTMA account is that it will count against your child for financial aid (it counts as the child's asset). The second thing to consider is that taxes aren't deferred like in a 529 plan. The last problem of course is that when he turns 18 he gets control o... |
Is there any circumstance in which it is necessary to mark extra payments on a loan as going to “principal and not interest”? | It could be a couple of things besides extra principal: I seem to remember hearing that some (shady?) lenders would just pocket extra payments if you didn't specify where they were headed, but I've also been told that this just isn't true. |
Buying a home without a Real Estate Agent - Who should I get to do the paperwork? | Generally, the paperwork realtors use is pre-written and pre-approved by the relevant State and real-estate organizations. The offers, contracts, etc etc a pretty straightforward and standard. You can ask a realtor for a small fee to arrange the documents for you (smaller than the usual 5% sellers' fee they charge, I w... |
How it actually works? Selling a call on a stock I hold, but has done poor, might the market thinks may rise | What you are proposing is called a "covered call" strategy. It is a perfectly reasonable speculative play on how far the stock will move within a certain amount of time. If your belief that the stock's volatility is such that it is unlikely to reach the strike price before the maturity is greater than the markets (wh... |
What is the most effective saving money method? | In a word: budgeting. In order to have money left over at the end of the month, you need to be intentional about how you spend it. That is all a budget is: a plan for spending your money. Few people have the discipline and abundance of income necessary to just wing it and not overspend. By making a plan at home ahead ... |
I might use a credit card convenience check. What should I consider? | I tried this a few months ago when I got one from Chase for 0%. Thought it might be fun to play with, maybe make some money with the interest elsewhere over the 6 months. Read the term and called Chase for more information on these and didn't see any issues at first. The big thing that got me was that the rest of m... |
Trouble sticking to a budget when using credit cards for day to day transactions? | Similar to what Adam F says above, except instead of just transfering the amount you spend on the credit card into the high interest account, why not keep the majority of your funds (apart from a small amount, say a couple of hundred for emergencies) in the high interest account until the credit card needs to be paid o... |
Identifying “Dividend Stocks” | If you don't have a good knowledge of finance, maybe you should not put too much money in individual stocks. But if you really want to invest, you can just compare the rate of return of the most known stocks available to you (like the one from the S&P for the US). The rate of return is very simple to compute, it's 100*... |
Can I default on my private student loans if I was an international student? | You signed a contract to pay the loan. You owe the money. Stories of people being arrested over defaulted student loans are usually based in contempt of court warrants when the person failed to appear in court when the collection agency filed suit against them. Explore student loan forgiveness program. Research coll... |
Is the amount taxable if my grandfather sells agricultural land | As your is a very specific case, please get an advice of CA. It should not cost you much and make it easier. The sale of agriculture land is taxable in certain conditions and exempt from tax in other cases. Sale of agricultural land is subject to capital gains tax. But there are certain exemptions under Section 54B, su... |
Financing Education through Credit Card or Student Loans | I would use student loans and avoid credit card debt if debt is your only option. Here are the advantages I see: Disadvantages: |
What to do with an expensive, upside-down car loan? | If you can't sell it, refinance the bugger. Even if you can knock the interest rate down to 8% and take out a 3-year loan, you'll save about $100 per month. Or really kill the payment (but pay more interest) by taking out another 6-year. A 6-year at 9% on $12k is only $215/month. My credit union routinely advertises... |
Ideal investments for a recent college grad with very high risk tolerance? | If you have been putting savings away for the longer term and have some extra funds which you would like to take some extra risk on - then I say work yourself out a strategy/plan, get yourself educated and go for it. If it is individual shares you are interested then work out if you prefer to use fundamental analysis, ... |
Explain the HSI - why do markets sometimes appear in sync and other times not? | Contributing factors to the diversion were that: A) China's currency does not float like other major countries' currencies B) China's real estate market didn't have the same lending criteria leading to the level of speculation seen in USA, at the time. |
Can I claim the standard deduction being an Indian citizen and non-resident in USA for tax purposes? | Prachi - While most non-resident aliens are not allowed to claim the standard deduction here are some exceptions: IRS Law under Article 21: ARTICLE 21 Payments Received by Students and Apprentices This falls under the U.S.A.-India Tax Treaty. Sources: I hope this helps. So, yes, I do believe you would be able to claim ... |
Is it bad etiquette to use a credit or debit card to pay for single figure amounts at the POS | Generally, I consider it bad etiquette to inconvenience others. I would recommend cash for small purchases. Try to offer as close to the required amount as possible. Don't pay with several dollars worth of change if you can avoid it. You shouldn't need to carry a lot of cash. When you do don't make it obvious. |
When's the best time to sell the stock of a company that is being acquired/sold? | I believe firmly that a bird in the hand is worth two in the bush. Cash your gains out and be happy with your profit. |
What size “nest egg” should my husband and I have, and by what age? | One more thing to consider is that $1M today is not the same as $1M 30 years from now because of inflation. Consider that just 30 years ago (1980) the average house price in the US was only about $69K and a new car cost around $7K on average. When you retire, it isn't much of a stretch to assume that you could be pay... |
How should I prepare for the next financial crisis? | A somewhat provocative (but not unserious) proposal: Rent, don't buy a house to live in. In 2007/8, the thing that got many people in deep trouble is their mortgage. It's not a productive investment but a speculative bet on what was in fact a bubble and a class of assets that is notoriously slow to recover after a slum... |
Accepting personal “donations” (not as a non-profit) | I see two ways you can handle this. Use the gifts for the purpose of creating more free software. This is fundraising, and your cause is writing free software. The language is a little tricky from the PayPal Donate button (emphasis mine): This button is intended for fundraising. If you are not raising money for a c... |
15 year mortgage vs 30 year paid off in 15 | Besides the reason in @rhaskett's answer, it is important to consider that paying off a 30-year mortgage as if it was a 15-year is much more inconvenient than just paying the regular payments of a 15-year mortgage. When you pay extra on your mortgage, some lenders do not know what to do with the extra payment, and nee... |
How can I find out which ETFs has holdings in a particular stock? | This ETFchannel.com page shows which ETFs hold Wells Fargo and you can search other stocks the get the same information on that site. This the same information for Google This even tells you what percentage of an ETF is a particular stock. Be warned that this site is not entirely free. You will be limited to 6 pages i... |
First home buyer, financing questions | When you say "apartment" I take it you mean "condo", as you're talking about buying. Right or no? A condo is generally cheaper to buy than a house of equal size and coondition, but they you have to pay condo fees forever. So you're paying less up front but you have an ongoing expense. With a condo, the condo associatio... |
Is it a good idea to teach children that work is linearly related to income? | Completely linear? We don't do that. Our daughter has a fixed allowance, and we expect a certain amount of help around the house as being part of the family. We don't make any explicit ties between the two, and we don't seem to have any problems. We bought an eBay lot of Polly Pockets and divided them up into $5 bags... |
Conservative ways to save for retirement? | A 401(k) is just a container. Like real-world containers (those that are usually made out of metal), you can put (almost) anything you want in it. Signing up for your employer's match is a great thing to do. Getting into the habit of saving a significant portion of your take-home pay early in your career is even better... |
Due Diligence - Dilution? | Publicly traded companies perform dilution via an FPO (Follow-up Public Offer). It is a process similar to IPO, with announcements, prospectus, etc. You will know ahead of time when that happen. Stocks traded OTC are not required to file a lot of regulatory documents that publicly traded stocks are required to file, an... |
In the stock market, why is the “open” price value never the same as previous day's “close”? | Nobody has mentioned the futures market yet. Although the stock market closes at 4pm, the futures market continues trading 24 hours a day and 5.5 days a week. Amongst the products that trade in the future market are stock index futures. That includes the Dow Jones, the S&P 500. These are weighted averages of stocks an... |
How do I calculate the actual dividend amount for a monthly dividend payout mutual fund? | So if someone would invest 14000 credits on 1st April 2016, he'd get monthly dividend = ((14000 ÷ 14) × 0.0451) × (1 - 1.42 ÷ 100) = 44.459 credits, right? One would get ((14000 ÷ 14) × 0.0451) = 45.1 is what you would get. The expenses are not to be factored. Generally if a scheme has less expense ratio, the yield is ... |
Would it make sense to take a loan from a relative to pay off student loans? | Would it make sense to take a loan from a relative... Other people have pointed this out, but honestly, I'd be very reluctant to answer "yes" to this no matter how you completed that sentence. There's always an intangible risk to mixing money and relationships. There's a lot that can go wrong during the duration of the... |
What does “Income generated in the U.S.” mean? | It means you must pay federal (and possibly state) tax on any income you produce in America -- including Internet and mail-order sales. Tax treaties may keep you from having to pay tax on it again in your own country, or may not. |
As a small business owner, should I pay my taxes from my personal or business checking account? | Payment of taxes for your personal return filed with the IRS always come from your personal account, regardless of how the money was earned. Sales tax would be paid from your business account, so would corporate taxes, if those apply; but if you're talking about your tax payments to the IRS for your personal income tha... |
What determines deal price on stock exchange? [duplicate] | Price is decided by what shares are offered at what prices and who blinks first. The buyer and seller are both trying to find the best offer, for their definition of best, within the constraints then have set on their bid or ask. The seller will sell to the highest bid they can get that they consider acceptable. The b... |
Is it common in the US not to pay medical bills? | While it is not common, it is also not "uncommon." A subtle distinction. If you are poor, you almost certainly get some kind of government assistance (not even talking about Obamacare or Trumpcare, but just general assistance.) If you are middle class or rich, that is where you get hit the most. They seem to realize ... |
Working out if I should be registered as self-employed in the UK | Being self employed just means you fill out some more forms in your annual self assessment for your "profit" from being self employed. Profit = all the money you receive, minus any tax deductible cost that you spent for making that money (and all the cost must be documented, which means you have a folder with all the ... |
Why would selling off some stores improve a company's value? | Maybe the location isn't yet, but will soon become a new loss. For example older soon out of warranty equipment, new tax laws in the locality soon to take affect or even just declining sales over the past periods of measurement. Perhaps labor disputes or other locality issues make running the store difficult. There ... |
Should I worry too much about saving my 20% down before buying my first house? | The only problem that I see is that by not giving the 20% right away, you might need to pay PMI for a few months. In addition, in the case of conventional loans, I heard that banks will not remove the PMI after reaching 80% LTV without doing an appraisal. In order to be removed automatically, you need to reach 78% LTV.... |
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