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What do people mean when they talk about the central bank providing “cheap money”? What are the implications for the stock market? | There are a couple of different things that could be referenced by "cheap money": The money supply itself - This is the Federal Reserve printing more money which could devalue the existing US dollars and thus make the dollars even cheaper since there would be more of them. Interest rates - Currently in the US interest ... |
Which student loans to pay off first: Stafford or private? | At the current rates, stated in the question, I would push additional funds towards your Stafford loans as their higher interest rates will incur interest charges almost 3 times faster than your private loans. With my loans I have not seen much information regarding private loans jumping the interest rate close to the ... |
What do I need to start trading in the NSE (National Stock Exchange)? | Yes Absolutely! You will need to provide Sharekhan with a cancelled cheque from OBC which has your account number and name on it. They will link that to your DMAT account, and any settlements/dividends paid will directly be deposited into your OBC bank account. Any time you need to deposit money into your DMAT account... |
Which U.S. online discount broker is the best value for money? | I am very happy with Charles Schwab. I use both their investing tools and banking tool, but I don't do much investing besides buy more shares a random mutual fund I purchase 4 years ago I did once need to call in about an IRA rollover and I got a person on the phone immediately who answered my questions and followed u... |
Is person-person lending/borrowing protected by law? | Yes, it is, under some circumstances (basically, a piece of paper saying "John Doe borrowed Josh Shoe 100 USD" is not enough). Usually, the paper should include: This is the case for Czech Republic, I believe it's similar for other countries as well. Remember that without the repair date, you have very complicated posi... |
Using a Roth IRA instead of a college savings account | One problem with this plan is that the individual must have earned income to contribute to a Roth IRA. If you have an infant, unless she is the new Gerber baby or something like that, there is probably no legitimate way for her to earn income. If you own a business and have kids who are older, you can employ them to do... |
Why ADP does not accurately withhold state and federal income tax (even if W4 is correct)? | I see several interesting statement in your question. A. my only income is from my Employer B. I also receive employer stock (ESPP, RSU, NSO). However, employer withholds taxes for these stock transactions through my broker (I see them broken down on my W2). C. I have been subject to Alternative Minimum Tax. A implie... |
Unmarried Couple Splitting up with Joint Ownership of Home | Because you're not married, its a partnership agreement, and unless there's a written contract, either the two of you agree on how to handle the home, or it's off to court you go. If you were both supposed to pay for the home, and he failed to for a a while, that would put him in breach of contract which I would think ... |
Should I invest in a Health Insurance +1 policy from my Employer? | If I read your figures correctly, then the cost difference is negligible. ($1.84 difference) The main determining factor, I'd think, would be the coverage. Do you get more, or less, coverage now than you would if you went together on the same plan? You'd both be covered, but what is the cap? Plans, and employer contr... |
FX losses on non-UK mortgage for UK property - tax deductable? | I spoke to HMRC and they said #1 is not allowable but #2 is. They suggested using either their published exchange rates or I could use another source. I suggested the Bank of England spot rates and that was deemed reasonable and allowable. |
Do I make money in the stock market from other people losing money? | There's really not a simple yes/no answer. It depends on whether you're doing short term trading or long term investing. In the short term, it's not much different from sports betting (and would be almost an exact match if the bettors also got a percentage of the team's ticket sales), In the long term, though, your p... |
If I have AD&D through my employer, should I STILL purchase term life insurance? | Most likely, yes. AD&D is insurance against a specific type of peril. Life insurance is, too, but there are fewer exceptions to payout. I'd imagine that you'd have to die by accident, or be dismembered but not die, for it to pay out. The exceptions in the policy are what you need to be concerned about. If loss of yo... |
Early Retirement Options (UK) | It's highly unlikely that you will be able to achieve 8% and would consider myself lucky to get 4% in the current interest rate environment. You might want to read some reviews of peer-to-peer lending and even try it out some yourself. Give yourself something like 2000 Euros/Dollars and a year. If you truly need 8% ... |
How to distinguish gift from payment for the service? | Generally, a one time thing is considered a gift. For the donor this is obviously not a deductible expense, except for some specific cases (for example promotional gifts under $25 to vendors can be deducted, if you're a business, or charitable contributions to a recognized charity). However, if this is a regular practi... |
Are non-residents or foreigners permitted to buy or own shares of UK companies? | It's easy to own many of the larger UK stocks. Companies like British Petroleum, Glaxo, and Royal Dutch Shell, list what they call ADRs (American Depositary Receipts) on the U.S. stock exchanges. That is, they will deposit local shares with Bank of NY Mellon, JP Morgan Chase, or Citicorp (the three banks that do this t... |
What happens when the bid and ask are the same? | In the world of stock exchanges, the result depends on the market state of the traded stock. There are two possibilities, (a) a trade occurs or (b) no trade occurs. During the so-called auction phase, bid and ask prices may overlap, actually they usually do. During an open market, when bid and ask match, trades occur. |
How to understand the caculation of interest for credit cards? | Suppose you have been paying interest on previous charges in the past. Your monthly statement is issued on April 12, and (since you just received your income tax refund), you pay it off in full on April 30. You don't charge anything to the card at all after April 12. Thus, on April 30, your credit card balance shows... |
My bank wants to lower my credit limit on my credit card. Will this impact me negatively? | No, it will have no negative impact on getting a mortgage. You are building up a history with regular payments and are not carrying a balance on the card each month. Your ability to get a mortgage will ultimately be based on other things. Money Saving Expert has a good guide on what will affect your credit score. A fur... |
How to get a down payment for your next home? Use current home as the down payment on the new one? | I know you've clarified that you're in the US, but in case anyone else comes across this question: in the UK this is completely normal (including if you still have outstanding mortgage on your current home). We end up with long "chains" of buyers and sellers all completing / moving on the same day so that the proceeds ... |
How does a bank make money on an interest free secured loan? | Very good answers as to how 0% loans are typically done. In addition, many are either tied to a specific large item purchase, or credit cards with a no interest period. On credit card transactions the bank is getting a fee from the retailer, who in turn is giving you a hidden charge to cover that fee. In the case of... |
If there's no volume discount, does buying in bulk still make sense? | Let me add a counterpoint. I don't know about you, but for some psychological reason, when I know I have an abundance of something I tend to be less frugal about the way I consume it. For example: When there is a six pack of cokes in the fridge I feel like I am more prone to not drink them up so quickly so I have som... |
Why do credit card transactions take up to 3 days to appear, yet debit transactions are instant? | When you swipe your credit card, the terminal at the store makes a request of your bank, and your bank has only a few seconds to accept or reject the transaction. Once the transaction is accepted by your bank, it appears in the Pending transactions. At the end of the business day, the store submits all of the final tra... |
Can a CEO short his own company? | mhoran_psprep has answered the question well about "shorting" e.g. making a profit if the stock price goes down. However a CEO can take out insurance (called hedging) against the stock price going down in relation to stocks they already own in some cases. But is must be disclosed in public filings etc. This may be d... |
In what state should I register my web-based LLC? | I have researched this question extensively in previous years as we have notoriously high taxes in California, while neighboring a state that has zero corporate income tax and personal income tax. Many have attempted pull a fast one on the California taxation authorities, the Franchise Tax Board, by incorporating in Ne... |
How much more than my mortgage should I charge for rent? | As others have pointed out, you can't just pick a favorable number and rent for that amount. If you want to rent out your house, you must rent it for a value that a renter would agree to. For example there is a house on my street that has been looking for renters for 3 years. They want $2,500 a month. This covers thei... |
What are the best software tools for personal finance? | For iPhone: iExpenseIt |
Should I invest in the world's strongest currency instead of my home currency? | Currency speculation is a very risky investment strategy. But when you are looking for which currency to denote your savings in, looking at the unit value is quite pointless. What is important is how stable the currency is in the long term. You certainly don't want a currency which is prone to inflation, because it mea... |
How to invest in a currency increasing in value relative to another? | What you're looking for are either FX Forwards or FX Futures. These products are traded differently but they are basically the same thing -- agreements to deliver currency at a defined exchange rate at a future time. Almost every large venue or bank will transact forwards, when the counterparty (you or your broker)... |
Can I register for VAT to claim back VAT without selling VAT applicable goods? (UK) | As far as I know any business can register for VAT regardless of the nature of the business. If all the goods you sell (or services you provide) are VAT-exempt or zero-rated then you will get refunds from HMRC on VAT your business pays. Any business whose non-VAT exempt turnover (which would include zero-rated goods a... |
How can a Canadian establish US credit score | set up a US company (WY is cheap and easy), go south and open a personal and business bank account, ask for the itin form. file for the itin. set up your EIN for the company. get a credit card for both. pay some mail forwarding service with it. file for taxes in the next year using your itin. prepaid cards do not link ... |
Digital envelope system: a modern take | I definitely get where you're coming from. The envelope system sounds good, but doesn't appeal to most people under 50 for many of these reasons (physical cash in my hand is just a hassle - it has no appeal or reduced spending affect on me). There are various options for prepaid debit cards such as https://www.netspen... |
Freelancer in India working for Swiss Company | I have some more inputs to investigate: India has dual tax avoidance treaty signed with european countries so that NRIs dont pay tax in both countries. Please check if India has some agreement with Swiss Also for freelance job that is delivered from India, u need to make sure where you have to pay taxes as you are stil... |
Can you explain this options calls & puts quote table to me? | (Note: I am omitting the currency units. While I strongly suspect it's US$ I don't know from the chart. The system works the same no matter what the currency.) A call or a put is the right to sell (put) or buy (call) shares at a certain price on a certain day. This is why you see a whole range of prices. Not all pos... |
How to calculate S corporation distribution from past K-1s? | Phil's answer is correct. Just to add to his response: Distributions are not taxable events -- you already paid your taxes, so you can take out $50k or $52k and the IRS is not concerned. You can simply write yourself a check for any amount you choose! To answer your specific question: to match your K1 losses and profit... |
Pros and cons of investing in a cheaper vs expensive index funds that track the same index | Cheaper would refer to the fees of a fund rather than the share price, IMO. Are 2 quarters worth more or less than 10 nickels? This is another way to express your question though most open-end funds bought directly from the fund family or through fund supermarkets would do fractional shares that may be better than goin... |
Will a credit card issuer cancel an account if it never incurs interest? | Remember, the card company gets a percentage at the time of purchase, as well as any interest you let them collect from you. Yes, they're still making a profit on our accounts, and they can always hope that at some point we'll run up a high enough bill to be willing to pay some interest. They may kill completely inacti... |
Do I have to pay tax on money I earn as a tutor? | You would be required to report it as self-employment income and pay tax accordingly. It's up to you to keep proper records (like a receipt book, for example), especially when it comes to cash. If you can't prove exactly how much you earned and the government decides to guess the amount for you then you won't like th... |
Does gold's value decrease over time due to the fact that it is being continuously mined? | The relative value of Gold (or any other commodity) as measured against any given currency (such as the USD), is not a constant function either. If you have inflationary pressure, the "value" of an ounce of gold (or barrel of oil, etc) may "double", but it's really because the underlying comparator has lost "half" its ... |
How can a person protect his savings against a country default? | These have the potential to become "end-of-the-world" scenarios, so I'll keep this very clear. If you start to feel that any particular investment may suddenly become worthless then it is wise to liquidate that asset and transfer your wealth somewhere else. If your wealth happens to be invested in cash then transferrin... |
Merchant dispute with airline over missed flight, and which credit cards offer protection? | What you are looking for is travel insurance. I have never heard of this being offered as a credit card perk, but there might be something out there. You can buy this separately, but only you can decide if it is worth the costs. To me, it would seem to only be worth it for something quite expensive, like a cruise that... |
Does my net paycheck decrease as the year goes on due to tax brackets filling up? | If your payroll payments are the same each period, you will generally have the same net pay per period. Some things that can cause variations: If your employer puts special payments in a specific paycheck (such as a quarterly or annual bonus, or a vacation payout) this can increase the percentage held from that specif... |
What does it mean when my Money Market account lists both a dividend share and an APY? | The dividend is what represents your ownership in the CU. The APY is a calculated figure that will help you compare apples to apples the return of the investment from many vendors and many types. (I think you CU might have had two different people writing that portion of the website, because the comparisons pages don'... |
What's “wrong” with taking money from your own business? | I'm no expert on this, but I would say that, if you own the business entirely yourself, there is nothing terribly wrong with using it for your own purposes as you would any other asset that you own. What is wrong is not keeping accurate records that distinguish between your money and the business's. As you say, this ... |
hardship withdrawal | Gaining traction is your first priority. WARNING: as @JosephZambrano explains in his answer the tax penalty for withdrawing from a 401(k) can easily exceed the APR of the credit card making it a very bad strategy. Consult in-depth with a financial advisor to see before taking that path. As @JoeTaxpayer has noted a loa... |
First concrete steps for retirement planning when one partner is resistant | I'd try to (gently) point out to your husband that what he thinks he wants to do now and what he might want to do in 20 or 30 years are not necessarily the same thing. When I was 40 I was thinking that I would work until I died. Now I'm 58 and have health problems and I'm counting down the days until I can retire. Even... |
Are prepayment penalties for mortgages normal? | It used to be much more common, particularly for sub-prime loans. If you do run into someone offering a loan with a prepayment penalty, you should certainly consider other options. |
What low-fee & liquid exchange-traded index funds / ETFs should I consider holding in a retirement portfolio? | @bstpierre gave you an example of a portfolio similar to IFA's 70 portfolio. Please, look other variants of example portfolios there and investigate which would suit to you. Although the example portfolios are not ETF-based, required by the op, you can rather easily check corresponding components with this tool here. ... |
Evidence for timing market in the short run? | The time horizon for your IRA is years or decades, therefore there is little evidence that there is a benefit to waiting for the "perfect time" to invest. Unless you plan on making only one or 2 years of investments now and then waiting till retirement; the other deposits you will make over the decades will have a gre... |
Should I take a personal loan for my postgraduate studies? | If you are eligible for FEE-HELP then this is by far the cheapest way of financing higher education in Australia. |
Ethics and investment | Are there businesses which professionally invest ethically? Yes. The common term for this is "socially responsible investing". Looking at that page and googling that term should provide you with plenty of pointers to funds to investigate. Of course, the definitions of "ethical" and "socially responsible" vary from pe... |
How to secure one's effort when working on a contract? | I don't think you need to bother with trust accounts. The point of a trust account is holding funds that aren't yours yet. You take a retainer fee that you have yet to earn. As you work, you bill your hourly rate, your client signs off and you take possession of the funds. You're going to work a project, you'll ta... |
Can I withdraw from my Roth IRA retirement account to fund a startup? | Chris's answer is a great start. Keep in mind that when you withdraw from a Roth IRA, you "shrink" the size of the IRA (i.e. if the start up flourishes, you can't put the $10k you withdrew back, as you're limited to ~$5k in contributions per year). You may want to consider funding your startup with a credit card (ideal... |
Is technical analysis based on some underlying factors in the market or do they work simply because other people use them? | Both explanations are partly true. There are many investors who do not want to sell an asset at a loss. This causes "resistance" at prices where large amounts of the asset were previously traded by such investors. It also explains why a "break-through" of such a "resistance" is often associated with a substantial "mo... |
Why don't banks print their own paper money / bank notes? | Are you talking about printing up more of the same kind of bill, or printing up a different kind of bill? You'll have different answers based on which one you mean. If it's a different kind of bill: Governments don't like competition in this matter. In US history there are examples of the government shutting alternati... |
What are the top “market conditions” to follow? | Check out http://garynorth.com if you have $15/month. Or at least subscribe to his free newsletters (Tip of the Week, Reality Check). Well worth it. He doesn't pay much attention to the US market indicators, except to note that people are about 20% poorer than they were 10 years ago. He looks at more basic indicator... |
Why do governments borrow money instead of printing it? | My answer is that when confronted with the obvious, the most common human reaction is to seek reasons for it, because things have to be right. They have to have a reason. We don't like it when things suck. So when finding out that you are being ripped off every day of your life, your reaction is "There must be a logic... |
How to acquire skills required for long-term investing? | I feel that OP's question is fundamentally wrong and an understanding of why is important. The stock market, as a whole, in the USA has an average annualized return of 11%. That means that a monkey, throwing darts at a board, can usually turn 100K into over three million in thirty-five years. (The analog I'm drawing is... |
A University student wondering if investing in stocks is a good idea? | Investing in the stock market early is a good thing. However, it does have a learning curve, and that curve can, and eventually will, cost you. One basic rule in investing is that risk and reward are proportional. The greater the reward, the higher the risk that you either (a) won't get the reward, or (b) lose your m... |
Tax implications of ESPP shares when company is bought out | When the deal closes, will it be as if I sold all of my ESPP shares with regards to taxes? Probably. If the deal is for cash and not stock exchange, then once the deal is approved and closed all the existing shareholders will sell their shares to the buyer for cash. Is there any way to mitigate this? Unlikely. You ne... |
How to convince someone they're too risk averse or conservative with investments? | Introduce him to the concept of Inflation Risk, and demonstrate that being too conservative with your investments might be a very risky strategy as well. |
Is there any reason not to buy points when re-financing with intent not to sell for a while? | In such a situation, is there any reason, financial or not, to NOT pay as many points as mortgage seller allows? I can think of a few reasons not to buy points, in the scenario you described: If interest rates decrease you could be better off refinancing to a lower rate than buying points now. If buying points reduce... |
Mutual Funds Definition and Role | I think you are asking about actively managed funds vs. indexes and possibly also vs. diversified funds like target date funds. This is also related to the question of mutual fund vs. ETF. First, a fund can be either actively managed or it can attempt to track an index. An actively managed fund has a fund manager who t... |
How do banks lose money on foreclosures? | The "just accounting" is how money market works these days. Lets look at this simplified example: The bank creates an asset - loan in the amount of X, secured by a house worth 1.25*X (assuming 20% downpayment). The bank also creates a liability in the amount of X to its depositors, because the money lent was the money ... |
Are there alternatives to double currency account to manage payments in different currencies? | Banks in certain countries are offering such facility. However I am not aware of any Bank in Hungary offering this. So apart from maintaining a higher amount in HUF, there by reducing the costs [and taking the volatility risks]; there aren't many options. |
Is there a register that shows the companies with notifiable interest in a stock? | There are multiple places where you can see this. Company house website On any financial news website, if you have access e.g. TESCO on FT On any 3rd party website which supply information on companies e.g. TESCO on Companycheck An observation though, FT lists down more shareholders for me than Companycheck as I pay f... |
Can a US bank prevent you from making early payments to the principal on a home mortgage? | Many mortgages penalize early payment, and I assume it's possible to disallow it altogether. It makes sense why they don't want early payment. If you pay off the loan early, it is usually because you re-financed it to a loan with a lower rate. You would do this when the interest rate is low (lower than when you got you... |
Does it make sense to buy an index ETF (e.g. S&P 500) when the index is at an all-time high? | Here is, from Yahoo Finance, the S&P 500 over the last ~60 years (logarithmic scale): The behavior since ~2000 has been weird, by historical standards. And it's very easy, looking at that graph, to say "yes! I would have made so much money had I invested in March '09!". Of course, back in March '09, it wasn't so clear... |
Does the premium of an option of a certain strike price increase at a slower rate from OTM to ITM as gamma affects delta? | If we assume constant volatility, gamma increases as the stock gets closer to the strike price. Thus, delta is increasing at a faster rate as the stock reaches closer to ITM because gamma is the derivative of delta. As the stock gets deeper ITM, the gamma will slow down as delta reaches 1 or -1 (depends if a call or a ... |
Options for dummies. Can you explain how puts & calls work, simply? | An Xbox currently sells for $200 but you don't have the money right now to buy it. You think the price of the xbox is going up to $250 next month. Your friend works at BestBuy and says he has a "raincheck" that allows you to buy the Xbox for $200 but the raincheck expires next month. He offers to sell you the "rainch... |
When is an IPO considered failure? | Different stakeholders have different views of 'failure'. Maybe from Air Berlin's point of view it was a failure, but technically speaking it is not really possible to 'fail'. As long as all shares were purchased, which is a virtual guarantee since the investment banks who underwrite the IPO by and large must do to som... |
How smart is it to really be 100% debt free? | A Simple Rule to discern between good and bad debt: Does this mean you should never buy a house or car? Of course not. But if you accrue bad debt, make sure that you can handle it and understand the costs and repercussions. |
Turning 30 and making the right decision with my savings and purchasing home | I love the idea of #1, keep that going. I don't think #2 is very realistic. Given the short time frame putting money at risk for a higher yield may not work in your favor. If it was me, I'd stick to a "high interest" savings account (around 1%). I don't mind #3 either, however, I'd be socking whatever you could to mo... |
Why do US retirement funds typically have way more US assets than international assets? | It's likely that the main reason is the additional currency risk for non-USD investments. A wider diversification in general lowers risk, but that has to be balanced by the risk incurred when investing abroad. This implies that the key factor isn't so much the country of residence, but the currency of the listing. Eu... |
Rental Properties: Is it good or bad that I can't find rental listings on that street? | Based on the information you gave, there are dozens if not hundreds of possible theories one could spin about the rental market. Sure, it's possible that there are no listings because rental units on this street are quickly snapped up. On the other hand, it's also possible that there are no listings because almost all ... |
Can I trade more than 4 stocks per week equally split between two brokers without “pattern day trading” problems? | Yes, this is a way to avoid the pattern day trader regulation. The only downside being that your broker will have different commission rates and your capital will be split amongst several places. |
Book or web site resources for an absolute beginner to learn about stocks and investing? | There is only one book worth reading in my opinion: One Up on Wall Street. It's short and no other book even comes close to it for honesty, correctness and good sense. Also, it is written by the second most successful investor of all time, Peter Lynch. The Intelligent Investor has some good technical content, but the b... |
For very high-net worth individuals, does it make sense to not have insurance? | Everyone is usually better off without insurance. A very few people are much better off with insurance. Insurance is a gamble and when you lose, you win. Very few people lose badly enough to win. Most people just pay money into insurance and never get as much back as they pay in. For most people, in most lives, in... |
Periodicity in stock charts | If the period is consistent for company X, but occurs in a different month as Company Y, it might be linked to the release of their annual report, or the payment of their annual dividend. Companies don't have to end their fiscal year near the end of the Calendar year, therefore these end of year events could occur in a... |
ISA trading account options for US citizens living in the UK | I am a US citizen by birth only. I left the US aged 6 weeks old and have never lived there. I am also a UK citizen but TD Waterhouse have just followed their policy and asked me to close my account under FATCA. It is a complete nightmare for dual nationals who have little or no US connection. IG.com seem to allow me to... |
How much money should I put on a house? | I Usually would not say this but if you can just put down 20% I would do that and get a 15 year mortgage. The rates are so low on 15 year mortgage that you should be able to make more than the 3% in the market per year and make some money. I wouldn't be surprised if for 1/2 of the term of your loan you will be able t... |
How to calculate stock price (value) based on given values for equity and debt? | I'll give you my quick and dirty way to value a company: A quick and dirty valuation could be: equity + 10 times profit. This quick way protects you from investing in companies in debt, or losing money. To go more in-depth you need to assess future profit, etc. I recommend the book from Mary Buffett about Warren Buffet... |
How do I know when I am financially stable/ready to move out on my own? | I'll just say this. You are in much better shape financially than I was when I moved out on my own and started supporting myself, and I did fine. The 6 month emergency fund is nice, but I'd gamble that most people that have been out on their own for a long time can't match that. The main thing is just to keep a budget... |
Brief concept about price movement of a particular stock [duplicate] | It depends completely on the current order book for that security. There is literally no telling how that buy order would move the price of a stock in general. |
How does the world - in aggregate - generate a non-zero return? | It appears that you have bought into the Communist lie. Milton Friedman lats it all out so well. No transaction ever occurs unless both sides in the transaction benefit. Let's say you are out for a walk. While walking you feel hungry. You find two quarters ($0.50) in your pocket. You enter the nearest convenience sto... |
What is the process of getting your first share? | I think I understand what you're trying to achieve. You just want to see how it "feels" to own a share, right? To go through the process of buying and holding, and eventually selling, be it at a loss or at a gain. Frankly, my primary advice is: Just do it on paper! Just decide, for whatever reason, which stocks to buy... |
Where do large corporations store their massive amounts of cash? | They are using several banks, hedge funds or other financial institutions, in order to diversify the risk inherent to the fact that the firm holding (a fraction of) their cash, can be insolvent which would makes them incur a really big loss. Also, the most available form of cash is very often reinvested everyday in ove... |
Will a credit card issuer cancel an account if it never incurs interest? | Some years ago a call center operator told me a bit more than they probably should have. They like to see a lot of money go through the card, but very little staying on the card. Yes, they make money on the interest but one card defaulting blows away the profit on a lot of other cards. The 3% take from the merchants i... |
Since many brokers disallow investors from shorting sub-$5 stocks, why don't all companies split their stock until it is sub-$5 | Vitalik has mentioned this in a comment but I think it ought to be expanded upon: Companies that aren't already penny stocks really don't stand to gain anything from trying to prevent short interest. Short selling does not inherently lower the stock price - not any more so than any other kind of selling. When somebod... |
Does an individual share of a stock have some kind of unique identifier? | I agree with the answer by @Michael that this number doesn't exist. It's hard to see what use it would have and it would be difficult to track. I'm writing a separate answer because I also disagree with the premise of your question: Individual shares of stock have never to my knowledge had such a number. Your commen... |
How to correctly track a covered call write (sell to open) in double-entry accounting? | I skimmed the answer from mirage007, and it looked correct if you're going to set this up from scratch. Since you said you already have a system for tracking stocks, however, maybe you'd prefer to use that. It should handle almost everything you need: Note that only the last of these actually ties the option and the ... |
Do large market players using HFT make it unsafe for individual investors to be in the stock market? | I don't think that HFT is a game-changer for retail investors. It does mean that amateur daytraders need to pack it up and go home, because the HFT guys are smarter, faster and have more money than you. I'm no Warren Buffet, but I've done better in the market over the last 4 years than I ever have, and I've been active... |
Should I sell my stocks when the stock hits a 52-week high in order to “Buy Low, Sell High”? | As per the chart pattern when ever a stock breaks its 52 week high. This information may differ for penny stocks,small caps and mid cap stocks |
How do I get into investing in stocks? | Before putting any significant money into stocks, I would recommend spending at least a year paper trading. It is amazing how much money you can lose trading stocks when you don't know what you are doing! |
What is a formula for calculating equity accumulated while repaying car loan? | Here is a simple way to analyze the situation. Go to your bank or credit union website and use their loan calculator with their current real interest rates and down payment requirements. Enter the rate, and number of years. Enter different values for the loan amount to get the monthly payment to the level you want ($40... |
Are REIT worth it and is it a good option to generate passive income for a while? | There are tax strategies you could take advantage of if you own the property. Find local real estate investors that like 'buy and hold'. Additional strategy is to buy a property and sell it with owner financing (you use a Residential Mortgage Loan Officer to facilitate.) What is great is you can get a great % real retu... |
Should I invest or repay my debts? | Like azam pointed out, fundamentally you need to decide if the money invested elsewhere will grow faster than the Interest you are paying on the loan. In India, the safe returns from Fixed Deposits is around 8-9% currently. Factoring taxes, the real rate of return would be around 6-7%. This is less than what you are pa... |
Why do stores and manufacturers use mail in rebates? A scam, or is there a way to use them effectively? | It's an effective way to achieve market segmentation without having to ask your customers how rich they are, and you get the benefit of finding out additional information like their address, email etc. The principle is similar to coupons on cereal boxes, anybody can get the rebate/discount if they go to the effort, but... |
How to fix Finance::Quote to pull quotes in GnuCash | The Yahoo Finance API is no longer available, so Finance::Quote needs to point at something else. Recent versions of Finance::Quote can use AlphaVantage as a replacement for the Yahoo Finance API, but individual users need to acquire and input an AlphaVantage API key. Pretty decent documentation for how to this is ava... |
Buying a home with down payment from family as a “loan” | Say you're buying a 400K house. Your relative finances 120K (30%). Say I'm optimistic, but the real-estate market recovers, and your house is worth 600K in 5-6 years (can happen, with the inflation and all). The gain is 200K. Your relative gets 100K. You repay him 220K on 120K loan for 5 years. Roughly, 16% APR. Quite ... |
How come the government can value a home more than was paid for the house? | From my perspective I suspect that if the government use the paid price, people will start to buy at very low nominal prices in order to pay less taxes, and will repay the seller by other means. |
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