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If a employers supposed to calulate drive time pay with your weekly gross pay | You're getting paid by the job, not by the hour, so I don't see why you think the employer is obligated to pay you for the drive time. The only way that might be true, as far as I can see, is if he were avoiding paying you minimum wage by structuring your employment this way. It looks like to me you're over the minim... |
How do I know when I am financially stable/ready to move out on my own? | I’m going to suggest something your parents may be reluctant to say: “Grow up and get out.” A man living in a van down by the river, making minimum wage, with $0 in savings has achieved something you have still failed to achieve: adulthood. This, I believe, is more important than a man’s income or net worth. So please... |
Are Exchange-Traded Funds (ETFs) less safe than regular mutual funds? | If anything, the price of an ETF is more tightly coupled to the underlying holdings or assets than a mutual fund, because of the independent creation/destruction mechanism. With a mutual fund, the price is generally set once at the end of each day, and the mutual fund manager has to deal with investments and redemption... |
Do altcoin trades count as like-kind exchanges? (Deferred capital gains tax) | Like-kind of exchanges have a list of requirements. The IRS has not issued formal guidance in the matter. I recommend to be aggressive and claim the exchange, while justifying it with a good analogy to prove good faith (and persuade the IRS official reading it the risk of losing in tax court would be to high). Worst ca... |
Google free real-time stock quotes | Previously, Google had a delayed update for their stock prices (15 minutes I believe). That change enabled users of Google Finance to see updates to stock prices in real-time. |
Should I buy stocks of my current employer because of its high dividend yield? | Generally, it is considered a bad idea to put significant parts of your money in your own employer's stock, no matter how great the company looks right now. The reason is the old 'don't put all your eggs in one basket'. If there is ever a serious issue with your company, and you lose your job because they go down the d... |
Are there cons to paying monthly bills with a rewards card and then paying it off monthly? | Some accounts, such as my electric, and payments to the tax collector charge a significant enough fee that is counter productive to use a rewards card. One example of this is Alligent Air. They give you a $6 discount if you pay with a debit card which was about 5% of the ticket price. Anytime you borrow money, even a... |
What are the downsides that prevent more people from working in high-income countries, and then retiring in low-income (and cost of living) ones? | I know folks who considered retiring to another country. Their conclusion was that while base cost of living was lower, the cost of the things that they enjoy doing -- not to mention the cost of spending time with friends they didn't want to give up -- would be sufficiently higher to erase most of the advantages. Those... |
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 ... |
How much percent of my salary should I use to invest in company stock? | One such strategy I have heard for those who have this opportunity is to purchase the maximum allowed. When the window to sell opens, sell all of your shares and repurchase the most you can with the amount you gained (or keep an equivalent to avoid another transaction fee). This allows you to buy at a discount, and spr... |
Purpose of having good credit when you are well-off? | Credit in general having no significant change between an income level or net worth is due to the economic reciprocity principle inherent in many societies. Although some areas of credit may be more admirable to those who aren't as well-off, such as car loans, the overall understanding of credit is a trust agreement be... |
Working remotely from Canada for a US company. How to get paid? | I'm no lawyer and no expert, so take my remarks as entertainment only. Also see this question. If you have a U.S. SSN which is eligible for work, they may be able to pay you on 1099 basis with your SSN as a sole proprietor, unless they have some personal reason for avoiding that. So perhaps try asking about that specif... |
Preferred vs Common Shares in Private Corporation | Preferred dividends and common dividends are completely separate transactions. There's not a single "dividend" payment that is split between preferred and common shares. Dividends on preferred shares are generally MUCH higher than common dividends, and are generally required by the terms of the preferred shares, again... |
Clothing Store Credit Card Account closed but not deleted | If it is closed, you should be able to trust that it is closed permanently. What you still have is the online account. Imagine this would be removed and then the account would be re-activated? That should not happen, but the way you see it, you must be afraid of that as well. What I mean to say: See these two things as... |
Tracking Gold and Silver (or any other commodity investment) in Quicken 2010? | If you don't need 100% accuracy then GLD and SLV will work fine. Over the long-term these converge quite nicely with the price of the metal. |
Impact on Credit Worthiness (Getting A Loan with a Co-signer vs without) | It doesn't matter to the credit agencies if there is a co-signer or not. However, your family member will need to take into consideration if they are willing to be responsible for the loan in the event you are unable to make payments. Being a co-signer means they are agreeing to pay the loan amount. It will also impact... |
Which practice to keep finances after getting married: joint, or separate? | Here are the main ways of doing this that I've encountered. I've met advocates of each. You might be interested in this set of articles: http://www.slate.com/id/2281885/ which looks at some different ways of doing this and the financial - and other - effects. |
Is paying off your mortage a #1 personal finance priority? | Generally, paying down your mortgage is a bad idea. Mortgages have very low interest rates and the interest is tax deductable. If you have a high interest mortgage, or PMI, you might consider it, but otherwise, your money is better off in some sort of index fund. On the other hand, if your choices are paying down a mor... |
How does a defined contribution plan work | It is comparing apples to oranges. From govt or institution point of view defined contribution is better than defined benefits as they don't have to carry obligations. Although defined benefit sounds good, one can't guarantee it will be enough when you retire compared to inflation. It often becomes political issue. Def... |
Variable Annuity inside a Roth IRA? What is this and how can I switch it to something else? | Your financial advisor got a pretty good commission for selling you the annuity is what happened. As for transferring it over to Vanguard (or any other company) and investing it in something else, go to Vanguard's site, tell them that you want to open a new Roth IRA account by doing a trustee-to-trustee transfer from y... |
Does gold's value decrease over time due to the fact that it is being continuously mined? | Mining/discovery of gold can be inflationary -- the Spanish looting of Central America for a few hundred years or the gold rush in the 19th century US are examples of that phenomenon. The difference between printing currency and mining is that you have to ability to print money on demand, while mining is limited to wha... |
Does this sound like a great idea regarding being a landlord and starting a real estate empire? | BEFORE you invest in a house, make sure you account for all the returns, risks and costs, and compare them to returns, risks and costs of other investments. If you invest 20% of a house's value in another investment, you would also expect a return. You also probably will not have the cost interest for the balance (80% ... |
Is it a good practice to keep salary account and savings account separate? | I pretty much only use my checking. What's the downside? Checking accounts don't pay as much interest as savings account. Oh, but wait, interest rates have been zero for nearly 10 years. So there is very little benefit to keeping money in my savings account. In fact, I had two savings accounts, and Well Fargo closed on... |
Is short selling a good hedging strategy during overzealous market conditions? | I saw that an answer hasn't been accepted for this yet: Being bearish is a good hedging strategy. But being hedged is a better hedging strategy. The point being that not everything in investments is so binary (up, and down). A lot of effective hedges can have many more variables than simply "stock go up, stock go down"... |
Why are options created? | In general economic theory, there are always two markets created based on a need for a good; a spot market (where people who need something now can go outbid other people who need the same thing), and a futures market (where people who know they will need something later can agree to buy it for a pre-approved price, ev... |
What is the preferred way to finance home improvements when preparing to sell your house? | You should look into a home equity line of credit: A home equity line of credit (often called HELOC and pronounced HEE-lock) is a loan in which the lender agrees to lend a maximum amount within an agreed period (called a term), where the collateral is the borrower's equity in his/her house. Because a home often is a co... |
Opportunity to buy Illinois bonds that can never default? | If you give money to a person or entity, and they don't have the ability to pay you back, it doesn't matter if they are legally required to pay you. |
How to rescue my money from negative interest? | You could buy Bitcoins. They are even more deflationary than Swiss Francs. But the exchange rate is currently high, and so is the risk in case of volatility. So maybe buy an AltCoin instead. See altcoin market capitalization for more information. Basically, all you'd be doing is changing SwissFrancs into Bitcoin/AltC... |
Bi-weekly payment option | One point that I don't see covered in the other answers yet: How does this affect the months that have 5 weeks. Do we actually lose two weeks a year? I get paid every two weeks, and pay day is always a Friday. Some months, I get paid 3 times - which is always great. If you live within your means, it's like an extra p... |
Why does a long/purchased call option have a long position in the option itself? | If it helps you to think about it, long is equivalent to betting for the upside and short is equivalent to betting for the downside. If you are long on options, then you expect the value of such options to increase. If you are long an option, then you own the option. If you are short an option, then generally you sol... |
Looking for a stock market simulation that's as close to the real thing as possible | There is a site that treats you like a fund manager in the real market, Marketoracy, http://marketocracy.com/. Each user is given 1 million in cash. You can have multiple "mutual funds", and the site allows use to choose between two types of strategies, buy/sell, short/cover. Currently, options are not supported. The r... |
How do I find an ideal single fund to invest all my money in? | A single fund that reflects the local currency would be an index fund in the country. Look for mutual funds which provide for investing on the local stock index. The fund managers would handle all the portfolio balancing for you. |
If throwing good money after bad is generally a bad idea, is throwing more money after good Ok? | I have heard that investing more money into an investment which has gone down is generally a bad idea*. "Throwing good money after bad" so to speak. Is investing more money into a stock, you already have a stake in, which has gone up in price; a good idea? Other things being equal, deciding whether to buy more st... |
Roth IRA all in one fund, or not? [duplicate] | First, you should diversify your portfolio. If your entire portfolio is in the Roth IRA, then you should eventually diversify that. However, if you have an IRA and a 401k, then it's perfectly fine for the IRA to be in a single fund. For example, I used my IRA to buy a riskier REIT that my 401k doesn't support. Sec... |
Do companies that get taken-over have to honour the old gift card/certificate? | It depends completely on the nature of the takeover. When a business is bought, the new owner takes on the obligations of the prior owner, the debts don't just go away. When a business files for bankruptcy, its debts may get discharged, and gift card holders can easily be the first ones to get nothing back. A case in p... |
How does “taking over payments” work? | The phrase doesn't mean anything specifically. Your SO could start paying the payments, but the title and lien would remain in your name. If you wanted to change the title or lien to be in her name, you would have to sell the car to her (sales tax would be involved but the process would be relatively painless). You c... |
If one owns 75% of company shares, does that mean that he would have to take upon himself 75% of the company's expenses? | It depends on the business entity. If the entity is a sole proprietorship or a general partnership, the individual are considered to be the business. There are no shares, and so yes, the owner would have to take on 75% of the expenses. For example, in the event of a lawsuit, if the claimant were awarded $1,000,000, the... |
Why do moving average acts as support and resistance? | A moving average will act as support or resistance to a stock only when the stock is trending. The way it acts as support for instance is similar to a trend-line. Take the daily chart of CBA over the last 6 months: The first chart shows CBA with an uptrend support line. The second chart shows CBA during the same perio... |
Does a restaurant have to pay tax on a discount? | I owned a restaurant for over 5 years. Sales tax was only collected on POST discount price, though every state that collects sales tax may have different laws regarding collection. For example, when a customer used a gift certificate, that did NOT reduce the amount that tax was collected on. Why? Because the restaurant... |
Should I cancel an existing credit card so I can open another that has rewards? | Hits to your credit rating for canceling one of the newer cards will be a small hit for a few months. You do have some options. I also believe that a person with good credit should have multiple cards: I like having a cash back card for the majority of our transactions. Unfortunately that card isn't accepted everywhe... |
What is the benefit of investing in retirement plan versus investing directly in stocks yourself? | Because retirement account usually are tax effective vehicles - meaning you will pay less tax on any profits from your investments in a retirement account than you would outside. For example, in my country Australia, for someone on say $60,000 per annum, if you make $10,000 profits on your investments that year you wil... |
Why is the stock market price for a share always higher than the earnings per share? | First, the earnings are per year, not per quarter. Why would you expect to get a 100% per year return on your money? The earnings can go one of two ways. They can be retained, reinvested in the company, or they can be distributed as a dividend. So, the 'return' on this share is just over 5%, which is competitive with ... |
Why is it important to research a stock before buying it? | The following is only an overview and does not contain all of the in-depth reasons why you should look more deeply. When you look at a stock's financials in depth you are looking for warning signs. These may warn of many things but one important thing to look for is ratio and growth rate manipulation. Using several di... |
what is the best way to do a freelancing job over the summer for a student | If this will be your sole income for the year, going self-employed is the best way to do this: So, here's how to go at it: Total cash in: £2000 Total Tax paid: £0 Admin overhead: approx 3 hours. Legit: 100% :) Edit: Can you tell me that in my case what are the required fields on the invoice? If you're non-VAT regist... |
How to trade “exotic” currencies? | Keep in mind that not every currency is "tradeable", i.e.: convertible. In fact, neither the Brazilian nor the Thai currencies are fully convertible, and the trading with them may be limited. There are 17 fully convertible currencies currently in the word, you can find the list here. |
Resources to begin trading from home? | As JoeTaxpayer has commented, the markets are littered with the carcasses of those who buy into the idea that markets submit readily to formal analysis. Financial markets are amongst the most complex systems we know of. To borrow a concept from mathematics - that of a chaotic system - one might say that financial ma... |
How is stock price determined? | Yes, stock price is determined by the last trade price. There are always going to be people who have put in a price to buy a stock (called a bid price) and people who have put in a price to sell a stock (called an ask price). Based on your example, if the last trade price for the stock was $1.23, then you might have th... |
Is it better to buy a computer on my credit card, or on credit from the computer store? | Using your credit card: Applying for a store credit card: In general it is far better to not buy bigger items like a computer until you can pay cash, or pay for it on credit card (to get reward points) and then pay off the card the next month so you don't pay interest. |
Do I owe taxes in the US for my LLC formed in the US but owned by an Indian citizen? | You're doing business in the US and derive income from the US, so I'd say that yes, you should file a non-resident tax return in the US. And in Connecticut, as well, since that's where you're conducting business (via your domestic LLC registered there). Since you paid more than $600 to your contractor, you're probably ... |
How do you quantify investment risk? | I use two measures to define investment risk: What's the longest period of time over which this investment has had negative returns? What's the worst-case fall in the value of this investment (peak to trough)? I find that the former works best for long-term investments, like retirement. As a concrete example, I have mo... |
What are the risks & rewards of being a self-employed independent contractor / consultant vs. being a permanent employee? | In the current economy there is no upside to working for yourself. Get in a salaried position as soon as you can, and sacrifice to whatever gods you worship that you don't get made redundant. If you're already working for yourself, and wouldn't give it up for anything, hire someone, and get them off the street. |
Using multiple bank accounts | I live near historic Concord, Massachusetts, and frequently drive past Walden Pond. I'm reminded of Henry David Thoreau's words, "Simplify, simplify, simplify." In my opinion, fewer is better. 2 checkbooks? I don't see how that makes budgeting any easier. The normal set of expenses are easily kept as one bucket, one a... |
Where to deduct gambling losses? | 1: Gambling losses not in excess of gambling winnings can be deducted on Schedule A, line 28. See Pub 17 (p 201). Line 28 catches lots of deductions, and gambling losses are one of them. See Schedule A instructions. 2: If the Mississippi state tax withheld was an income tax (which I assume it was), then it goes on S... |
UK Contractor with Limited Company | I know a guy on a much higher rate than me, about £500 per day, and he claims to pay around 18% tax which has me bewildered Your acquaintance may be using a tax efficient, or "marketed avoidance" product identical or similar to those required to be registered or declared under DOTAS legislation in the UK. If this is ... |
Why can't the government simply payoff everyone's mortgage to resolve the housing crisis? | TARP was ~$475 billion of loans to institutions. Loans that are to be paid back, with interest (albeit very low interest). A significant percentage of the TARP loans have been (or will be) paid back. So, the final price tag of the TARP was only a few $billion (pretty low considering the scale of the program). There ... |
Approximate IT company valuation (to proximate stock options value) | This situation sounds better than most, the company it seems likely to be profitable in the future. As such it is a good candidate to have a successful IPO. With that your stock options are likely to be worth something. How much of that is your share is likely to be very small. The workers that have been their sin... |
Why do shareholders participate in shorting stocks? | Short sellers have to pay interest on the borrowings to the shareholders. Although many times brokers don't pass on these earnings to the shareholders, this is the exchange. |
What does Capital Surplus mean? | I think it's easiest to illustrate it with an example... if you've already read any of the definitions out there, then you know what it means, but just don't understand what it means. So, we have an ice cream shop. We started it as partners, and now you and I each own 50% of the company. It's doing so well that we dec... |
How do you find out who the investors are in a U.S. stock? e.g. how ownership may be concentrated? | I don't think that you will be able to find a list of every owner for a given stock. There are probably very few people who would know this. One source would be whoever sends out the shareholder meeting mailers. I suspect that the company itself would know this, the exchange to a lesser extent, and possibly the broker... |
Ray Dalio - All Weather Portfolio | Making these difficult portfolio decisions for you is the point of Target-Date Retirement Funds. You pick a date at which you're going to start needing to withdraw the money, and the company managing the fund slowly turns down the aggressiveness of the fund as the target date approaches. Typically you would pick the ... |
Why call option price increases with higher volatility | Let's say a stock trades at $100 right now, and you can buy a $100 call option. When you buy the call option (and the money you paid is gone), one of two things can happen: The share price goes up, or the share price goes down. If the share price goes up, you profit. If the share price goes down, you don't lose! Becau... |
Why does it take 3 days to do electronic transfers between banks? [duplicate] | When Laurence Olivier took the role of Douglas Macarthur in the Unification Church's filming of Inchon, he told the press, "People ask me why I'm playing in this picture. The answer is simple: Money, dear boy." Banking systems are typically decades old and subject to innumerable legal and technical restrictions. Moving... |
I want to invest in Gold. Where do I go and buy it? | I do not know anything about retail investing in India, since I am in the US. However, there are a couple of general things to keep in mind about gold that should be largely independent of country. First, gold is not an investment. Aside from a few industrial uses, it has no productive value. It is, at best, a hedge ag... |
Who could afford a higher annual deductible who couldn't afford a higher monthly payment? | I edited in the total annual out of pocket for each level to help illustrate what's going on. Your question makes sense, of course, but it's less a matter of afford vs an attempt to save. The way these plans work is to allow some choice based on your past experience. I can afford any option, but knowing the number of v... |
Live in California but work for Illinois-based company | California and New York are very aggressive when it comes to revenue and taxes. As such, mere having an employee in these States creates a nexus and tax/filing liability for the company. @Adam Wood mentioned sales tax - that is correct. Having an employee in the State of California will require collecting sales tax for... |
Totally new to finance, economy, where should I start? | If you're looking to invest using stocks and shares, I recommend you set up an account at something like Google Finance - it is free and user-friendly with lots of online help. You can set up some 'virtual cash' and put it into a number of stocks which it'll track for you. Review your progress and close some positions ... |
Does a bond etf drop by the amount of the dividend just like an equity etf | Most bond ETFs have switched to monthly dividends paid on the first of each month, in an attempt to standardize across the market. For ETFs (but perhaps not bond mutual funds, as suggested in the above answer) interest does accrue in the NAV, so the price of the fund does drop on ex-date by an amount equal to the divi... |
Shares; are they really only for the rich/investors? | I think small sums invested regularly over long-term can do good for you, things to consider: I would go with an index fund and contribute there there regularly. |
What is meant by “buy-side firm” and “sell-side firm”? | Traditionally, dealers and broker-dealers were in contact with the actual producers of a product or issuers of a security, selling it at the exchange on their behalf. Consumers would traditionally be on the buy side, of course. These days, anyone can enter the market on either side. Even if you don't hold the securit... |
Any extra fees charged by passive stock and bond ETFs on top of the standard fees? | Brokers will have transaction fees in addition to the find management fees, but they should be very transparent. Brokering is a very competitive business. Any broker that added hidden fees to their transactions would lose customers very quickly to other brokers than can offer the same services. Hedge funds are a very ... |
How to manage household finances (income & expenses) [duplicate] | Obviously, there are many approaches. I’ll describe what we do and why we think it is successful. I have seen many couples having disagreements and even divorce over money; it seems that this is a typical reason to fight and sometimes fight badly. The realization is that different people have different preferences what... |
Advice for college student: Should I hire a financial adviser or just invest in index funds? | Two things to consider: When it comes to advice, don't be "Penny wise and Pound foolish". It is an ongoing debate whether active management vs passive indexes are a better choice, and I am sure others can give good arguments for both sides. I look at it as you are paying for advice. If your adviser will teach you about... |
Student loan payments and opportunity costs | Already a lot of great answers, but since I ask myself this same question I thought I'd share my 2 cents. As @user541852587 pointed out, behavior is of the essence here. If you're like most recent grads, this is probably the first time in your life you are getting serious about building wealth. Can you pay your loans ... |
Total ETF value decreased after underlying stock increased in price | According to your post, you bought seven shares of VBR at $119.28 each on August 23rd. You paid €711,35. Now, on August 25th, VBR is worth $120.83. So you have But you want to know what you have in EUR, not USD. So if I ask Google how much $845.81 is in EUR, it says €708,89. That's even lower than what you're see... |
What ways are there for us to earn a little extra side money? | Your problem is one that has challenged many people. As you said there are two aspects to balancing a budget, reducing expenses or increasing income. And you state that you have done all the cost-cutting that you can find. Looking at ways to increase your income is a good way to balance your budget. How big is your ... |
Loan holder wants a check from the insurance company that I already cashed and used to repair my car | What would happen if you was to cash a check, didn’t realize it was to you and your finance company, take it to a local business that has a money center, they cash the check without even having you sign let alone having the finance companies endorsement on it . The money cleared my account like a couple months ... |
Using business check to pay at retail | You can just buy the items personally and then submit an expense report to the company to get reimbursed. Keep all the receipts. Paying with a company check is also fine, but you might run into problems with stores not accepting checks. |
Could the loan officer deny me even if I have the money as a first time home buyer? | My credentials: I used to work on mortgages, about 5 years ago. I wasn't a loan officer (the salesman) or mortgage processor (the grunt who does the real work), but I reviewed their work fairly closely. So I'm not an absolute authority, but I have first-hand knowledge. Contrary to the accepted answer, yes the bank is o... |
Why do US retirement funds typically have way more US assets than international assets? | You need growth in your retirement fund. Sad to say but the broad U.S. marks still has better growth perspective than the emerging markets. Look at China they are only at 6.7% growth for next year the same as this year. Russia's economy is shrinking. These are the other two super powers of 2015. The USA is still the b... |
Can dividends be exploited? | In addition to the other answers it's also noteworthy that the stock exchanges themselves adjust the price quotes via their ex-div mechanism. All limit orders present in the book when the stock goes ex-div will be adjusted by the dividend. Which means you can't even get "accidentally" filled in the very unlikely case ... |
Why do some companies offer 401k retirement plans? | One important thing that hasn't been mentioned here is that the vast majority of companies have eventually eliminated their Company provided Pension Plans and replaced it with a 401K with some degree of matching. There is a cost advantage to doing this as companies no longer have to maintain or work to maintain a 100%... |
What are the common moving averages used in a “Golden Cross” stock evaluation? | Different moving averages work and not work for different indexes. I have seen simulations where during bull or bear markets the moving averages work differently. Here is an example: http://www.indexresult.com/MovingAverage/Exponential/200/SP500 |
What happens to 401(k) money that isn't used by the time the account holder dies? | I understand the answers addressing the question as asked. Yes, inheriting a 401(k) can be a convoluted process. In general, it's best to transfer the account to an IRA after separation from the company to avoid the issues both of my esteemed colleagues have referenced. Given the issue of "allowed by not required" th... |
Is the “Bank on Yourself” a legitimate investment strategy, or a scam? | I haven't read the book and have no intention of reading it. This definitely looks like a forced savings plan with "Whole Life Insurance" as the theme – which is pretty bad for someone who is able to take care of his finances. It would be good for someone who is not very good with his finances and wants to be forced in... |
How to minimize damage from sale of savings account | Bank of America has been selling off their local branches to smaller banks in recent years. Here are a few news stories related to this: Along with the branch buildings, the local customers' savings and checking accounts are sold to the new bank. It is interesting that you were told that your savings account is being... |
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... |
Does this plan make any sense for early 20s investments? | I would wait, and invest that money in a Roth IRA. Because taxes are paid on the contributions to a Roth IRA, you can withdraw the contributions at any time, tax and penalty-free. In addition, you can withdraw contributions and earning to purchase your first home. |
Should rented software be included on my LLC's balance sheet? | I was only able to find Maryland form 1 to fit your question, so I'll assume you're referring to this form. Note the requirement: Generally all tangible personal property owned, leased, consigned or used by the business and located within the State of Maryland on January 1, 201 must be reported. Software license (w... |
Do market shares exhaust? | Everyone has a price. If nobody is selling shares, then increase the price you will buy them for. And then wait. Somebody will have some hospital bills to pay for eventually. I buy illiquid investments all the time, and thats typically what happens. Great companies do not have liquidity problems. |
Why is stock dilution legal? | For new shares to be successfully sold, the price has to be below market price. If you currently own shares of that company, you should always get an option to buy those newly sold shares at that discounted price. The number of options depends on the relative number of shares you hold. Lets say you own 100 out of 1000 ... |
Is there a dollar amount that, when adding Massachusetts Sales Tax, precisely equals $200? | No. $188.23 has $11.76 tax = $199.99 $188.24 has $11.77 tax - $200.01 So, unless the based price contained the half cent for $188.235, the register would never show $200.00 even. How does the receipt to customer look? |
What percentage of my portfolio should be in individual stocks? | How much should a rational investor have in individual stocks? Probably none. An additional dollar invested in a ETF or low cost index fund comprised of many stocks will be far less risky than a specific stock. And you'd need a lot more capital to make buying, voting, and selling in individual stocks as if you were run... |
What are the consequences of not respecting a notice period when leaving a job? | When I was pursuing my Business Degree in Canada we were told the standard notice period is 2 weeks on both sides. This means your employer is required to give you at least two weeks notice and you are required to give it as well. If you violate your notice requirement the employer can sue you for lost revenues and etc... |
How do I go about finding an honest & ethical financial advisor? | The other answers are good, but not UK-specific. You need to look for an Independent Financial Advisor (IFA). These are regulated by the FCA and you pay them a time-based fee for their services, they do not take commission on the products they recommend to you. The Government Money Advice Service page (hat tip to @And... |
Cashing in stocks for house downpayment | Assuming that you have capital gains, you can expect to have to pay taxes on them. It might be short term, or long term capital gains. If you specify exactly which shares to sell, it is possible to sell mostly losers, thus reducing or eliminating capital gains. There are separate rules for 401K and other retirement pr... |
How do you save money on clothes and shoes for your family? | I'm all for thrift stores and yard sales. When they're littler they're more into comfort, perhaps insisting on certain colors, but somewhere around 13 they start to become more fashion conscious. If you want name brand clothes for kids, hit yard sales or consignment stores in better neighborhoods. Other places are Ross... |
How much does taking a Microeconomics course help you understand the field of investing? | Not much at all, especially an introductory level Microeconomics class. There are a few reasons for this: That's not to say that Economics isn't worth studying. I loved both my Micro and Macro class. But I probably got more useful investing knowledge from a class on linear regression. |
Can I Accept Gold? | You can accept almost anything mutually agreeable to you and the other party as payment. That's the definition of "barter". If you agree to trade manufactured goods for livestock, as long as both parties agree on the terms, I'm not aware of any law that would prohibit it. I hedged with "almost" because of course you ca... |
Why is the price of my investment only updated once per day? | I strongly suggest you go to www.investor.gov as it has excellent information regarding these types of questions. A mutual fund is a company that pools money from many investors and invests the money in securities such as stocks, bonds, and short-term debt. The combined holdings of the mutual fund are known as its port... |
How do you quantify investment risk? | The standard measure of risk is the variance of the asset. The return on investment of the asset is understood as a random variable with a particular distribution. One can make inferences about the underlying distribution using historical data. As you say, this is what the quants do. There are other, more sophisticated... |
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