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Credit card grace period for pay, wait 1 day, charge? | You shouldn't be charged interest, unless possibly because your purchases involve a currency conversion. I've made normal purchases that happened to involve changes in currency. The prices were quoted in US$ to me. On the tail end, though, the currency change was treated as a cash advance, which accrues interest imme... |
Why does a stock's price fluctuate so often, even when fresh news isn't available? | It's the buying and selling of the stock that causes the fluctuation in prices, not the news. People buy and sell all the time, and not just for newsworthy reasons. They may have to send a child to college, or fix a roof, etc. Or they may be technical traders looking for signals. All kinds of reasons. |
Does the Black-Scholes Model apply to American Style options? | The difference between an American and European option is that the American option can be exercised at any time, whereas the European option can be liquidated only on the settlement date. The American option is "continuous time" instrument, while the European option is a "point in time" instrument. Black Scholes appli... |
What emergencies could justify a highly liquid emergency fund? | This might vary from other answers but I generally prefer to use debt before touching an emergency fund. But one of the reasons I have an emergency fund is to that I can make sure I can cover any debt payments. Essentially, this give you leverage. You might start off with a small emergency such as needing a new refr... |
Valuation Spreadsheet | In general spreadsheets can do all of what you ask. Have a try of some online training like these to get started. |
Extra cash - go towards mortgage, or stock? | It's six of one a half dozen of another. Investing the cash is a little more risky. You know exactly what you'll get by paying down your mortgage. If you have a solid emergency fund it's probably most advisable to pay down your mortgage. If your mortgage is 3% and your investment makes 3.5% you're talking about a... |
Are there any Social Responsibility Index funds or ETFs? | There is the iShares Jantzi Social Index Fund. |
Effective interest rate for mortgage loan | With the $2000 downpayment and interest rate of 11.5% nominal compounded monthly the monthly payments would be $970.49 As you state, that is a monthly rate of 0.9583% Edit With the new information, taking the standard loan equation where Let Now setting s = 98000, with d = 990.291 solve for r |
If you buy something and sell it later on the same day, how do you calculate 'investment'? | You're confused because the source you cite leaves out one number that isn't relevant to the argument they're making: total costs. The number you're expecting, $9 x 365 or $3285 is the total cost of buying the jewelry which, when subtracted from the $3650 sales volume gives us the net profit of $365. The investment is... |
Is it possible to influence a company's actions by buying stock? | Energy Transfer Partners, LP (stock symbol ETP) is the parent company of Dakota Access LLC, the developer of the Dakota Access Pipeline. Since ETP is a publicly traded company, it is certainly possible to purchase the stock. To answer your questions: Would it not be possible to buy their stocks, bring down the price o... |
What governs the shape of price history graphs? | Let me see if I can restate your question: are speculative investments more volatile (subject to greater spikes and drops in pricing) than are more long-term investments which are defined by the predictability of their dividend returns? The short answer is: yes. However, where it gets complicated is in deciding whethe... |
Reason for “qualified” buyer requirements to exercise stock options/rights spun off from parent company? | The fact that your shares are of a Canadian-listed corporation (as indicated in your comment reply) and that you are located in the United States (as indicated in your bio) is highly relevant to answering the question. The restriction for needing to be a "qualified institutional buyer" (QIB) arises from the parent comp... |
Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? | You are getting totally hosed mate. Assume you live in the house for ten years, can get a normal 30 year mortgage and house prices average at 3% annually You could get a mortgage at 3.8% so your monthly payment would be $560 a month. $60 a month difference over 10 year is $7200 Because you are paying down on a conven... |
Should I pay off my 401k loan or reinvest the funds elsewhere? | This summer I used a loan from my 401(k) to help pay for the down payment of a new house. We planned on selling a Condo a few months later, so we only needed the loan for a short period but wanted to keep monthly payments low since we would be paying two mortgages for a few months. I also felt like the market might tak... |
Swap hedging a currency hedge | I decided to try this in order to get a feel of it. As far as the interest rates are concerned, it works. You can set it up and forget about holding time as long as the rates and positions stay within a range. The problem is that currency volatility turns the interest paid for shorting USD/JPY into noise at best. And i... |
Investing in low cost index fund — does the timing matter? | Yes timing does matter. Using a simple Rate of Change indicator over the past 100 days and smoothed out with a 50 day Moving Average, I have plotted the S&P 500 since the start of 2007. The idea is to buy when the ROC indicator crosses above the zero line and sell when the ROC indicator crosses below the zero line. I ... |
Borrowing money to buy shares for cashflow? | It's generally a bad idea to use low-risk credit (low-risk in sense you're practically guaranteed to be forced to pay it off) to buy high-risk shares. In optimistic scenario, the profit from shares would be higher than your credit percentages. In less optimistic scenario you come with nothing. In worse scenario you hav... |
What to do with an expensive, upside-down car loan? | You could do a voluntary repossession. While a repossession never looks good on your credit a voluntary repossession is slightly better. A good friend of mine had a situation like this about 11 years ago. She was in an accident didn't have replacement coverage insurance and was left with a large chunk of debt on a wre... |
Medium-term money investment in Germany | Due to the zero percent interest rate on the Euro right now you won't find any investment giving you 5% which isn't equivalent to gambling. One of the few investment forms which still promises gains without unreasonable risks right now seems to be real estate, because real estate prices in German urban areas (not so i... |
Where can I find accurate historical distribution data for mutual funds? | In the case of a specific fund, I'd be tempted to get get an annual report that would disclose distribution data going back up to 5 years. The "View prospectus and reports" would be the link on the site to note and use that to get to the PDF of the report to get the data that was filed with the SEC as that is likely w... |
What does it mean for a company to have its market cap larger than the market size? | The difference between the two numbers is that the market size of a particular product is expressed as an annual number ($10 million per year, in your example). The market cap of a stock, on the other hand, is a long-term valuation of the company. |
Online service that computes implied volatility | My broker (thinkorswim) offers this from the platform's trade tab. I believe this feature isn't crippled in the PaperMoney version which is effectively a "free online service." |
Why is the highest quintile the only quintile whose wealth exceeds its income? | I think you came up with a worthy Masters/PhD research project, it is a great question. This is in Australia so it is difficult for me to have complete perspective. However, I can speak about the US of A. To your first point relatively few people inherit their wealth. According to a brief web search about 38% of bill... |
Deducting last years (undocumented) side business loss | You should speak to a good tax adviser. The less documentation you have the more problems IRS are going to cause you. Generally you can deduct business losses (in the year they occurred, which is 2011), but you have to show that that was a valid business, not just a way to reduce your tax bill with personal expenses. T... |
What were the main causes of the spike and drop of DRYS's stock price? | Because it's a declining company and used as an institutional sized pump and dump with a new toxic financing every week. Look up Kalani Investments - they're behind it all. |
Hiring freelancers and taxes | I am not a lawyer or a tax accountant, but from the description provided it sounds to me like you have created two partnerships: one in which you share 50% of Bob's revenue, and another in which you share 50% of the revenue from the first partnership. If this is the case, then each partnership would need to file form K... |
How much taxes do corporations have to pay on dividends they receive from other companies? | Summary: The corporation pays 33.3% tax on dividends it receives and gets a tax refund at the same rate when it pays dividends out. According to http://www.kpmg.com/Ca/en/IssuesAndInsights/ArticlesPublications/TaxRates/Federal-and-Provincial-Territorial-Tax-Rates-for-Income-Earned-CCPC-2015-Dec-31.pdf the corporate tax... |
Why don't boards of directors try to produce results in line with estimates? | First off, some companies do something like this. Microsoft for example was well-known for consistently hitting earnings estimates every quarter - nearly never missed them, and most of the time didn't exceed by much either. In order to do this and not be prosecuted for accounting fraud, you typically have to be a ser... |
What should I be aware of as a young investor? | Just don't buy any kind of paper and you will be fine :-) And don't forget most of these 'blue-chip companies' sell marketing garbage which have no real market. Finally, make all decissions slooooowly and after extensive research. |
Taxing GoFundMe Donations | From WePay (GoFundMe's payment processor) support. I received only gifts and donations. Will I receive a Form 1099-K? As of 2015, the IRS has clarified that WePay is not required to send a Form 1099-K with respect to payments that are made solely as gifts or donations. The purpose of Form 1099-K is to report p... |
Ways to get individual securities from ETF's | Save the effort. For personal finance purpose, just use the simple tools. For example, if you like P&G very much but you want to diversify with ETF, use: http://etfdb.com/stock/PG/ https://www.etfchannel.com/finder/?a=etfsholding&symbol=PG Pick a ETF with highest weighting. Replace "PG" in the link with other tickers... |
what are the downsides of rolling credit card debt in this fashion | Assuming you can get keep getting credit cards like this forever, you open yourself up to risk in short term losses. Stock/bond prices fluctuate. If you need to pay the money back for some reason (at the end of the 15 months) your investment may be less than the 5,000 you started with. |
Why might a share price have not changed for several days? | It is because 17th was Friday, 18th-19th were weekends and 20th was a holiday on the Toronto Stock Exchange (Family Day). Just to confirm you could have picked up another stock trading on TMX and observed the price movements. |
Online sites for real time bond prices | Bonds are extremely illiquid and have traditionally traded in bulk. This has changed in recent years, but bonds used to be traded all by humans not too long ago. Currently, price data is all proprietary. Prices are reported to the usual data terminals such as Bloomberg, Reuters, etc, but brokers may also have price g... |
Is Bogleheadism (index fund investing) dead? | The reports of my death have been greatly exaggerated. - Twain I use index funds in my retirement planning, but don't stick to just S&P 500 index funds. Suppose I balance my money 50/50 between Small Cap and Large Cap and say I have $10,000. I'd buy $5,000 of an S&P Index fund and $5,000 of a Russell 2000 index fund. ... |
What could cause a stock to trade below book value? | The key to evaluating book value is return on equity (ROE). That's net profit divided by book value. The "value" of book value is measured by the company's ROE (the higher the better). If the stock is selling below book value, the company's assets aren't earning enough to satisfy most investors. Would you buy a CD tha... |
Moving savings to Canada? | It is absolutely feasible to move your savings into Canada. There are a few ways you can do it. However it is unlikely you will benefit or avoid risk by doing so. You could directly hold your savings in the CAD. Investing in Canadian bonds achieves a similar goal as holding your money in the CAD. By doing so you will b... |
Is it okay to be married, 30 years old and have no retirement? | Yes, you should be saving for retirement. There are a million ideas out there on how much is a reasonable amount, but I think most advisor would say at least 6 to 10% of your income, which in your case is around $15,000 per year. You give amounts in dollars. Are you in the U.S.? If so, there are at least two very good ... |
Is there any flaw in this investment scheme? | The process of borrowing shares and selling them is called shorting a stock, or "going short." When you use money to buy shares, it is called "going long." In general, your strategy of going long and short in the same stock in the same amounts does not gain you anything. Let's look at your two scenarios to see why. W... |
How can I calculate total return of stock with partial sale? | There are many ways to calculate the return, and every way will give you a different results in terms of a percentage-value. One way to always get something meaningful - count the cash. You had 977 (+ 31) and in the end you have 1.370, which means you have earned 363 dollars. But what is your return in terms of percent... |
What's the average rate of return for some of the most mainstream index funds? | When asking about rate of return it is imperative to specify the time period. Average over all time? Average over the last 10 years? I've heard a good rule of thumb is 8-10% on average for all stocks over all time. That may be overstated now given the current economic climate. You can also look up fund sheets/fact shee... |
How an ETF pays dividend to shareholders if a holding company issues dividend | Join me for a look at the Quote for SPY. A yield of 1.82%. So over a year's time, your $100K investment will give you $1820 in dividends. The Top 10 holdings show that Apple is now 3% of the S&P. With a current dividend of 2.3%. Every stock in the S&P has its own different dividend. (Although the zeros are all the sa... |
Will there always be somebody selling/buying in every stock? | If the stock has low liquidity, yes there could be times when there are no buyers or sellers at a specific price, so if you put a limit order to buy or sell at a price with no other corresponding sellers or buyers, then your order may take a while to get executed or it may not be executed at all. You can usually tell i... |
Escrow Removal Fee? | Consider that the bank of course makes money on the money in your escrow. It is nothing but a free loan you give the bank, and the official reasons why they want it are mostly BS - they want your free loan, nothing else. As a consequence, to let you out of it, they want the money they now cannot make on your money upfr... |
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... |
How do I calculate two standard deviations away from the stock price? | Standard Deviation is a mathematical term that is useful in many areas. It can be considered a measure of how tight the data points are to the average. If there is consistency in the measurement system, then a point that is two standard from the average can be considered an outlier. It doesn't even need to be time base... |
How do I know if refinance is beneficial enough to me? | The proper answer is that you run the numbers and see whether what you'll save in interest exceeds the closing costs by enough to be interesting. Most lenders these days have calculations that can help with this on their websites and/or would be glad to help if asked. Rule of thumb: if you can reduce interest rate by ... |
I'm 23 and was given $50k. What should I do? | nan |
Should I buy stocks of my current employer because of its high dividend yield? | Dividend yields are a product of the dollar amount paid to shareholders and the stock price. Dividends yields rise when a company is shunned by investors. It may be shunned because the earnings and/or dividend are at risk. Recent examples are SDRL and KMI. Most investors would love an 8% yield so I would wonder why th... |
What do do with traditional IRA if I'm maxing out contributions to employer 401k and want to open a Roth | You have many options, and there is no one-size-fits-all recommendation. You can contribute to your IRA in addition to your 401(k), but because you have that 401(k), it is not tax-deductable. So there is little advantage in putting money in the IRA compared to saving it in a personal investment account, where you keep ... |
What do I need to consider when refinancing one home to pay the down-payment of another? | and I need to upgrade my current home to a larger, longer-term property Would selling your current home give you (at least) a 20% DP on the new home? Take additional cash out of the refinance of the first home to accelerate saving Dittoing D Stanley, that makes no sense. Purchase and move to a second property of greate... |
Should I pay my Education Loan or Put it in the Stock Market? | I'd recommend hitting the loan the hardest, but getting something invested as well. It's tempting to see these decisions as binary, so it's good to see you wondering if a "mix" is best. I admit to being a spreadsheet junky, but I think this is a good candidate for working up various scenarios to see where the pain/ple... |
Should I pay more into company pension, or is there a better way to save? | In the UK you have an allowance of £40,000 per annum for tax relief into a pension. This amount includes both your and your employer's contributions. If you earn more than £150,000 per annum this allowance starts to reduce and if you earn less than the allowance, your allowance is limited to what you earn. You can also... |
How can one identify institutional accumulation of a particular stock using price and volume data? | A couple ways, but its not a guarantee. You have to have special charts. Instead of each tick being 1 min, 5 min, or whatever, it is a set number of trades. Say 2000. Since retail investors only buy and sell in small amounts, there will be small volume per tick. An institutional investor, however, would have a much mu... |
Why do people invest in mutual fund rather than directly buying shares? | There are several reasons. One, mutual funds provide instant diversification. To build a diverse portfolio "manually" (by buying individual shares) requires a lot of time and effort. If your portfolio is not diverse, then it is wrong to say "buying shares gives higher return"; in many cases diversification will incre... |
Making $100,000 USD per month, no idea what to do with it | You want CFP or CFA who is also a fiduciary, meaning that by law they have to put your interests ahead of their own. Financial planners who are not fiduciaries can, and often do, recommend investment vehicles that earn them the most commission with little regard of your financial goals. If you already have $500,000 to ... |
Why does Google Finance show the NASDAQ Composite way up but Yahoo! Finance shows it slightly down? | First - Google's snapshot - Then - Yahoo - I took these snapshots because they will not exist on line after the market opens, and without this context, your question won't make sense. With the two snapshots you can see, Yahoo shows the after hours trades and not just the official market close for the day. The amount ... |
How to keep control of shared expenses inside marriage? | Why not start a third account, the "house" account? However you decide to fund it, equally or in proportion to income, you both chip in, and the payments for all joint expenses come from there. Rent, utilities, food, phone, cable. |
Is this legal: going long on call options and artificially increasing the price of the underlying asset seconds before expiration? | This can be done, you can be prosecuted for some forms of it, in any case there are more riskless ways of doing what you suggested. First, buying call options from market makers results in market makers buying shares at the same delta as the call option. (100 SHARES X DELTA = How many shares MM's bought). You can time ... |
Making $100,000 USD per month, no idea what to do with it | I would be more than happy to find a good use for your money. ;-) Well, you have a bunch of money far in excess of your regular expenses. The standard things are usually: If you are very confused, it's probably worth spending some of your windfall to hire professional help. It beats you groping in the dark and possibly... |
Can an S-Corp write off work and merchandise expenses donated to a non-profit organization? | Yes. The S-Corp can deduct up to the amount it actually incurred in expenses. If your actual expenses to build the carport were $1000, then the $1000 would be deductible, and your business should be able to show $1000 in receipts or inventory changes. Note you cannot deduct beyond your actual expenses even if you would... |
Tenant wants to pay rent with EFT | How can someone use the account number to withdraw money without my consent? They can use your account number to game your banks phone support and try to phish their way into your account. Banks have gotten very good at combating this, but theoretically with just the address he lives in, your name, and a bad bank pho... |
Is it better to ask for a raise before a spin-off / merger or after? | I would guess that before the spin-off, more money would be available In my experience the reverse is true. The finance folks go into overdrive tightening everything up so that budget forecasts for the transition period are as accurate and predictable as possible. This can be true 6 months out, 12 months out, etc - dep... |
Is a naked put really that risky | So, yes, you may be having the inevitable epiphany where you realize that options can synthetically replicate the same risk profile of owning stock outright. Allowing you to manipulate risk and circumvent margin requirement differences amongst asset classes. Naked short puts are analogous to a covered call, but may hav... |
Can stock brokerage firms fail? | Yes, the entire financial system is based on trust. As we have seen repeatedly, even the ratings agencies can be wrong and in collusion. You need to understand what products have any insurance/contingency/recourse if things don't go as planned. A lot of people were surprised when they found out SIPC didn't ensure futur... |
Previous owner of my home wants to buy it back but the property's value is less than my loan… what to do? | A short-sale seems like an extreme and unethical course to take. You should read your mortgage documents or work with your attorney to read the mortgage and determine whether it is an "assumable" mortgage. If so, you might be able to get the former owner to take over the mortgage. |
Blog income taxes? | If the money comes to you, then it's income. If the money goes out from you, it's an expense. You get to handle the appropriate tax documentation for those business transactions. You may also have the pleasure of filing 1099-MISC forms for all of your blogging buddies if you've paid them more than $600. (Not 100% su... |
Form 1040 - where to place my stipend? | If you're correct that it's not taxable because it's non-taxable reimbursement (which is supported by your W-2), then it should not go on your 1040 at all. If it is taxable, then it really should have appeared on your W-2 and would probably end up on Line 7 of your Form 1040. |
What is high trading volume in a stock indicative of? Is high liquidity a good thing or a bad thing? | Stocks with a low average daily trading volume ("thinly traded stocks") will also tend to have higher spreads. So you'll tend to pay more when you buy and get less when you sell. |
Pros/cons of borrowing money using a mortgage loan and investing it in a low-fee index fund? | Something very similar to this was extremely popular in the UK in the late 1980s. The practice has completely vanished since the early 2000s. Reading up on the UK endowment mortgage scandals will probably give you an excellent insight into whether you should attempt your plan. Endowment mortgages were provided by ban... |
Tax: 1099 paper form | You can print them on any IRS-approved paper, you don't have to use pre-printed forms. The IRS publishes specifications for paper that is approved for use for these kinds of forms (109*, W*, etc). Here's the reason why it is important: Even the slightest deviation can result in incorrect scanning, and may affect money... |
When does it make financial sense to take advantage of employer's tuition reimbursement program? | If you know that you want that advanced degree; And there is a way to have your employer pay for some of it or all of it; And you are reasonably certain that you will not be quitting for X years after completing the degree; Then it is financially sound to consider having the company pay for it. If you are interested in... |
Principal 401(k) managed fund fees, wow. What can I do? | When you look at managed funds the expense ratios are always high. They have the expense of analyzing the market, deciding where to invest, and then tracking the new investments. The lowest expenses are with the passive investments. What you have noticed is exactly what you expect. Now if you want to invest in active ... |
Why call option price increases with higher volatility | The mathematics make it easier to understand why this is the case. Using very bad shorthand, d1 and d2 are inputs into N(), and N() can be expressed as the probability of the expected value or the most probable value which in this case is the discounted expected stock price at expiration. d1 has two σs which is volatil... |
Emulating a 'long straddle' without buying or selling Options? | A long straddle using equity would be more akin to buying a triple leveraged ETF and an inverse triple leveraged ETF, only because one side will approach zero while the other can theoretically increase to infinity, in a short time span before time decay hits in. The reason your analogy fails is because the delta is 1.0... |
Is there any drawback in putting all my 401K into a money market fund? | The drawback is not knowing when prices have reached a level where you are comfortable getting back in. Someone who got out at S&P 1500 before the crash of '08 was very happy. But did they get back in at 666 or just watch the market come back 3X from that level? The S&P returned 10.46% from Jan '87 till Dec '14. I wo... |
When does a pricing error become false advertising? | It's definitely annoying, but it's not necessarily false advertising. There is no rule or law that says they have to fix a pricing error at all, let alone within a certain period of time. Unfortunately they have no obligation to do business with you unless they take (and keep) your money. If they canceled the order and... |
What is 'consolidating' debt and why do people do it? | This can mean a few things to me. Some of which has been mentioned already. It can mean one (or all) of the following to me: You take out a new credit card and transfer ALL other credit balances to it. (Only good if you destroy the others, this is a 0% offer, AND you plan on paying this card off furiously.) You do the... |
At what point is it most advantageous to cease depositing into a 401k? | A fascinating view on this. The math of a 10% deposit and projected 10% return lead to an inevitable point when the account is worth 10X your income (nice) and the deposit, 10% of income only represents 1% of the account balance. The use of an IRA is neither here nor there, as your proposed deposit is still just 1% of... |
Capital Gains in an S Corp | Lets just get to the point...Ordinary income (gains) earned from S-Corp operations (i.e. income earned after all expenses for providing services or selling products) is passed through to the owners/shareholders and taxed at the owner's personal tax rate. Separately, if an S-Corp earns capital gains (i.e. the S-Corp buy... |
Perform exercise-and-hold AND exercise-and-sell-to-cover? | Ask the folks administering your plan. They're the ones who define and implement the available choices for that specific plan. |
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 move my money market funds into bonds? | Your only real alternative is something like T-Bills via your broker or TreasuryDirect or short-term bond funds like the Vanguard Short-Term Investment-Grade Fund. The problem with this strategy is that these options are different animals than a money market. You're either going to subject yourself to principal risk o... |
Pay down the student loan, or buy the car with cash? | Here's another way to look at this that might make the decision easier: Looking at it this way you can turn this into a financial arbitrage opportunity, returning 2.5% compared to paying cash for the vehicle and carrying the student loan. Of course you need to take other factors into account as well, such as your need... |
How to deal with the credit card debt from family member that has passed away? | First, when a debt collector says, "It's to your advantage to give me money now", I'd take that with a grain of salt. My ex-wife declared bankruptcy and when debt collectors couldn't find her, they somehow tracked me down and told me that I should tell her that it would be to her advantage to pay off this debt before t... |
Paying Off Principal of Home vs. Investing In Mutual Fund | I wouldn't pay down your mortgage faster until you have a huge emergency fund. Like two years' worth of expenses. Once you put extra money toward principal you can't get it out unless you get a HELOC, which costs money. You're in a position now to build that up in a hurry. I suggest you do so. Your mortgage is exce... |
Pay off credit cards in one lump sum, or spread over a few months? | I have heard that it is better for your credit score to pay them down over time. Will it make much of a difference? I have never heard that, however, the financial institutions (who are charging you an amount of interest which was at one time in the not so distant past classified and punishable in state criminal codes)... |
Moving 401k balance into self-directed IRA | Your question asks "how" but "if" may be your issue. Most companies will not permit an external transfer while still employed, or under a certain age, 55 or so. If yours is one of the rare companies that permits a transfer, you simply open an IRA with the broker of your choice. Schwab, Fidelity, eTrade, or a dozen oth... |
Why does a stock's price fluctuate so often, even when fresh news isn't available? | News about a company is not the only thing that affects its stock's price. There is also supply and demand. That, of course, is influenced by news, but it is not the only actor. An insider, with a large position in their company's stock, may want to diversify his overall portfolio and thus need to sell a large amount... |
Why would you ever turn down a raise in salary? | I probably wouldn't turn down a raise, but there are some circumstances in which you might hesitate. Having a disproportionately high salary for your type of role or the value you are providing to the company makes you an attractive layoff target in an economic downturn. I've heard anecdotally of lots of corporate lawy... |
Is it legal if I'm managing my family's entire wealth? | I agree that this is a "bad idea" but I want to add in one more reason. Let's pretend your family and you are ok with all the tax ramifications and legal issues. This is still a horrid idea. You have to deal with the What Ifs. What if you get in an accident with your car, and then a law suit comes around and they deci... |
What should I be doing to protect myself from identity theft? | http://annualcreditreport.com gives you free access to your 3 credit bureau records. (Annual, not "free". The "free" guys will try to sell you something.) |
Can saving/investing 15% of your income starting age 25, likely make you a millionaire? | The really simple answer is that compound interest is compound not linear. Money invested for longer earns more interest, and the sooner you start investing, the longer it has to earn interest. These ideas come out of pension investment where 65 is the usual retirement age and what you invest in the 1st ten years of ... |
Can individuals day-trade stocks using High-Frequency Trading (HFT)? | I just finished a high frequency trading project. Individuals can do it, but you need a lot of capital. You can get a managed server in Times Square for $1500/month, giving you access to 90% of the US exchanges that matter, their data farms are within 3 milliseconds of distance (latency). You can also get more servers ... |
Short-term robots and long-term investors in the stock market | Consider the price history to be the sum of short term movements and long term movements. If you hold a stock for a long time you will benefit (or lose) from its long term movement. If a sufficiently large and very good short term trader existed he would tend to reduce short term volatility, eventually to nearly zero.... |
Understanding summary of brokerage account value, cash balance, buying power? | Here you go: I'll leave the last question as an exercise to the reader. |
How do I keep an S-Corporation open when it has no revenues | If you have no net income or loss, you can usually get away without filing a tax return. In Illinois, the standard is: Filing Requirements You must file Form IL-1120 if you are a corporation that has net income or loss as defined under the IITA; or is qualified to do business in the state of Illinois and is requ... |
First job: Renting vs get my parents to buy me a house | Personally, I started renting out because I couldn't afford to buy a place but now I'm quite comfortably past that point. My three main issues are: These views aren't for everyone but I find it hard to seriously contemplate dealing with 2 while 1 and 3 are issues. To be honest, I found that I learned a lot sharing a... |
Get interest on $100K by spending only $2K using FOREX rollovers? | Now, is there any clever way to combine FOREX transactions so that you receive the US interest on $100K instead of the $2K you deposited as margin? Yes, absolutely. But think about it -- why would the interest rates be different? Imagine you're making two loans, one for 10,000 USD and one for 10,000 CHF, and you're go... |
How to invest in gold at market value, i.e. without paying a markup? | if you bought gold in late '79, it would have taken 30 years to break even. Of all this time it was two brief periods the returns were great, but long term, not so much. Look at the ETF GLD if you wish to buy gold, and avoid most of the buy/sell spread issues. Edit - I suggest looking at Compound Annual Growth Rate an... |
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