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Am I liable for an auto accident if I'm a cosigner but not on the title, registration, or insurance policy? | I am sure that laws differ from state to state. My brother and I had to take over my dads finances due to his health. He had a vehicle that had a loan on it. We refinanced the vehicle and it was in our name. One of our family members needed a vehicle and offered to take over the payment. Our attorney advised us to... |
Dividends - Why the push to reinvest? | A dividend is a cash disbursement from the company. The value of the company goes down the same amount of the dividend, so it is analogous to having money in a savings account and taking a withdrawal every month. Obviously you are going to have less in the end than if you just kept the money in the account. suppose t... |
If throwing good money after bad is generally a bad idea, is throwing more money after good Ok? | Is investing more money into a stock that you already have a stake, in which has gone up in price a good idea? What you describe here is a good idea when the stock keeps up-trending. The way to do it is say you have originally bought $1000 worth of shares, then the next purchase you buy $500 worth, then $250 worth. It ... |
How does the currency between countries relate | Firstly currency prices, like any asset, depend on supply and demand. Meaning how many people want to exchange a currency to another one vs. wanting to buy that currency using another currency. Secondly, it really depends on which country and economy you are talking about. In emerging economies, currencies are very oft... |
Are PINs always needed for paying with card? | Chip and Pin cards are popular in Europe, however in the US we don't have them. Visa/MC and Amex can issue chip and pin cards but no merchants or machines are set up here to take them. Only certain countries in Europe use them and since you could possibly have a US visitor or a non-chip and pin person using your mach... |
In the stock market, why is the “open” price value never the same as previous day's “close”? | A stock is only worth what someone is willing to pay for it. If it trades different values on different days, that means someone was willing to pay a higher price OR someone was willing to sell at a lower price. There is no rule to prevent a stock from trading at $10 and then $100 the very next trade... or $1 the very... |
Good/Bad idea to have an ETF that encompasses another | Let's simplify things by assuming you only own 2 stocks. By owning VOO and VTI, you're overweight on large- and mid-cap stocks relative to the market composition. Likewise, by owning VTI and VT, you're overweight on U.S. stocks; conversely, by owning VXUS and VT, you're overweight on non-U.S. stocks. These are all perf... |
Splitting Hackathon Prize Money to minimize tax debt | I would just take $2000 and multiply by your marginal tax rate, weight that between the 5 other people according to their share of the prize money and ask them to give you that. From your question it seems like you all have a good working relationship, I'm sure the other partners would agree to that. I think it's the s... |
If I make over 120k a year, what are my options for retirement plans? | All data for a single adult in tax year 2010. Roth IRA 401K Roth 401k Traditional IRA and your employer offers a 401k Traditional IRA and your employer does NOT offer a 401k So, here are your options. If you have a 401k at work, you could max that out. If you make close to $120K, you could reduce your AGI enough to c... |
I am looking for software to scan and read receipts | Scanning receipts is easy and any decent scanner will do a good job for you. The difficult part is the software that 'extracts' the data. Today there is no software that can do this really well because there is just too great a range of receipts (e.g. handwritten receipts, receipts in foreign languages, etc.). For this... |
How to evaluate an annuity | Annuities are usually not good deals. Commissions to the salesman can be as high as 9% of the initial premium. They're not scams, just not the best deals for most circumstances. Basically, these things are a combination of an investment vehicle and multiple insurance policies, including permanent insurance. The 8.2% "r... |
Should I cash out my Roth IRA to pay my mother's property tax debt, to avoid foreclosure on her home? | @foreverBroke - Ok, here are the questions - Is mom's house paid for in full? If there's any mortgage, is it current? If not, what are the numbers? Is it underwater, i.e. owe more that it's worth? Will the tax department talk to you and negotiate? Maybe let you make payments over time? If you have that kind of cash fl... |
Why doesn't change in accounts receivable on balance sheet match cash flow statement? | Increase in A/R in balance sheet includes the A/R of acquired businesses. Change in A/R in cash flow statement might say "excluding effects of business acquisitions". |
Would it make sense to take a loan from a relative to pay off student loans? | Would it make sense to take a loan from a relative... Other people have pointed this out, but honestly, I'd be very reluctant to answer "yes" to this no matter how you completed that sentence. There's always an intangible risk to mixing money and relationships. There's a lot that can go wrong during the duration of the... |
Who gets the dividend when a stock is bought/sold around the ex-dividend date? [duplicate] | Your understanding is incorrect. The date of record is when you have to own the stock by. The ex-dividend date is calculated so that transaction before that date settles in time to get you listed as owner by the date of record. If you buy the stock before the ex-dividend date, you get the dividend. If you buy it on ... |
Why is the stock market price for a share always higher than the earnings per share? | What you have to remember is you are buying a piece of the company. Think of it in terms of buying a business. Just like a business, you need to decide how long you are willing to wait to get paid back for your investment. Imagine you were trying to sell your lemonade stand. This year your earnings will be $100, next ... |
Figuring flood insurance into financing cost | We recently had a sump pump fail during a rainy weekend. Never had more than an inch or so of water on the floor. Total cost to remove the water, dry out the basement, and repair the damage to the paneling and wallboard: more than $7,000 plus the new sump pump. We are not in a flood zone. In a flood zone the cost of ... |
Should I stockpile nickels? | Stockpile? No. Keep a few around? Sure, if you are a collector. I used to collect pennies and I thought the steel pennies from WWII were neat. I do believe I paid about $0.01 for them at the coin shop. They might be worth $0.15 if in great condition today. No harm in finding $20 worth of really nice nickels, maybe... |
operating income | Sedar is I guess the Canadian equivalent of EDGAR. You can find the company's filings there. Here's a picture from their filings. Can't post the link, if you go and find the filing through Sedar you'll know why (it's not as nice a site as EDGAR). The 4.8 million is from unrealized gain on biological assets. So that's ... |
Health insurance lapsed due to employer fraud. How to get medications while in transition? | Your doctor may also have free samples available. You could call, explain your situtation and ask to see if they have any free samples. |
Personal finance web service with account syncing in Germany | As much as I know StarMoney has also a web service for banking. |
How can I diversify $7k across ETFs and stocks? | nan |
Do Square credit card readers allow for personal use? | My husband used this device at work in an organization/club that collects dues for fundraisers. The fundraisers are only for the club. So I think that is not business at all. They have no business tax id#, etc? and they use it for personal reasons when collecting money via Cc#'s if this helps you. |
What are futures and how are they different from options? | Cart's answer is basically correct, but I'd like to elaborate: A futures contract obligates both the buyer of a contract and the seller of a contract to conduct the underlying transaction (settle) at the agreed-upon future date and price written into the contract. Aside from settlement, the only other way either party ... |
Should I pay off my car loan within the year? | Generally, banks will report your loan to at least one (if not all three) credit bureaus - although that is not required by law. The interest you're paying, in addition to your insurance isn't justifiable for building credit. I would recommend paying the car off and then perhaps applying for a secure credit card if you... |
Where should my money go next: savings, investments, retirement, or my mortgage? | I'd invest in yourself. Start up a side business. Take a certification class that gets your foot in the door for something else (auctioneering, real estate sales, whatever). Bid on a storage auction and try to re-sell it. Learn Spanish (or whatever second language is best for your area). And so forth. Most of the ... |
1.4 million cash. What do I do? | You can get an investment manager through firms like Fidelity or E*Trade to manage your account. It won't be someone dedicated exclusively to you, but you're in the range where they'd take you as a managed account customer. Another option would be to get a financial planner (CFP or something) help you to identify your ... |
What is the dividend if yield is 3.04? | From the hover text of the said screen; Latest dividend/dividend yield Latest dividend is dividend per share paid to shareholders in the most recent quarter. Dividend yield is the value of the latest dividend, multiplied by the number of times dividends are typically paid per year, divided by the stock price. So ... |
How can I remove the movement of the stock market as a whole from the movement in price of an individual share? | You run the regression R_{i,t} = a + bR_{m,t} + e_t, then a + e_t is the variation that isn't shared with the market's variation. |
Are in-kind donations from my S-Corp tax-deductible in any way? | You should probably have a tax professional help you with that (generally advisable when doing corporation returns, even if its a small S corp with a single shareholder). Some of it may be deductible, depending on the tax-exemption status of the recipients. Some may be deductible as business expenses. To address Chris'... |
Do I make money in the stock market from other people losing money? | Because I feel the answers given do not wholely represent the answer you are expecting, I'd like to re-iterate but include more information. When you own stock in a company, you OWN some of that company. When that company makes profit, you usually receive a dividend of those profits. If you owned 1% of the company stoc... |
Does Joel Greenblatt's “Magic Formula Investing” really beat the market? | Probably not. Once the formula is out there, and if it actually seems to work, more and more investors chase the same stocks, drive the price up, and poof! The advantage is gone. This is the very reason why Warren Buffett doesn't announce his intentions when he's buying. If people know that BRK is buying, lots of ot... |
Are stories of turning a few thousands into millions by trading stocks real? | Consider this thought experiment: Take 10 million people and give them each $3,000. Every day they each purchase a random stock with all of their money. The next day they flip a coin and if it's heads they do nothing, and if it's tails they sell it and purchase another random stock. Repeat everyday for 5 years.... |
If you want to trade an equity that reflects changes in VIX, what is a good proxy for it? | VXX VZX XVIZ and there are plenty others correlated to market volatility if you want the wildest hedge, use VXX, it is also the most liquid |
Incorporating real-world parameters into simulated(paper) trading | You said the decision will be made by EOD. If you've made the decision prior to the market close, I'd execute on the closing price. If you are trading stocks with any decent volume, I'd not worry about the liquidity. If your strategy's profits are so small that your gains are significantly impacted by say, the bid/as... |
Company is late in paying my corporate credit card statement - will it hurt my credit? | After doing some investigating, my employers contract with the credit card company has a clause that basically specifies that despite my name being on the credit card, and bills being sent to me, all liability is on the company. Additionally, the employer reserves the right to garnish wages in the event of a balance on... |
Why can't I short a stock that sells for less than $5? Is there another way to “go short” on them? | A bit of poking around brought me to this thread on the Motley Fool, asking the same basic question: I think the problem is the stock price. For a stock to be sold short, it has to be marginable which means it has to trade over $ 5.00. The broker, therefore, can't borrow the stock for you to sell short because it isn't... |
Which U.S. online discount broker is the best value for money? | I've never used them myself, but Scottrade might be something for you to look at. They do $7 internet trades, but also offer $27 broker assisted trades (that's for stocks, in both cases). Plus, they have brick-and-morter storefronts all over the US for that extra "I gotta have a human touch". :-) Also, they do have af... |
How can a person with really bad credit history rent decent housing? | Having been recently evicted she is unlikely to find any one willing to rent to her at anything close to reasonable terms. Any landlord that would consider it is likely to require a huge deposit. Her best solution may be a hotel/motel with weekly/monthly rates. It is generally much easier to get someone out of a hote... |
Do classes have to pay sales tax on materials used? | In most jurisdictions, both the goods (raw materials) and the service (class) are being "sold" to the customer, who is the end user and thus the sale is subject to sales tax. So, when your friend charges for the class, that $100 is subject to all applicable sales taxes for the jurisdiction and all parent jurisdictions ... |
Debt collector has wrong person and is contacting my employer | This seems very suspicious, as if it were fraud, and not a legitimate collector. Garnishing wages takes a court order. A court would require a bit more proof than a name. Names can easily be common, I know sets of first cousins named after the common grandparent, 4 pairs in my extended family, along with 2 triples. Th... |
incorrect printed information on check stock | Even where national law might allow such a practice, the law in an individual province or state (either for issuing or receiving bank) might not; or if that does then the receiving bank may have its own regulations or compliance practice which may not permit them to accept an altered cheque. In any case, printed numbe... |
Should I sell my stocks when the stock hits a 52-week high in order to “Buy Low, Sell High”? | Selling as well as buying a stock are part science and part art form. I remember once selling a stock at its 52 week high too. That particular stock "quadrupled" in value over the next 52 weeks. Mind you I made 50% ROI on the stock but my point is that none of us have a crystal ball on whether a particular stock will... |
How can I get free or discounted checks for my bank account? | First, if you live in/around a reasonably populated urban area, and you're in the United States, I can't see why you would choose to bank with Chase, B of A, or another large commercial bank. I think you would be much better served by banking at a reasonably large credit union. There are many differences between banks ... |
Net income correlation with Stock Price | A company's stock price will reflect the general sentiment about a company's value now and in the future. Net income is only one figure. You need to crack open the net summary and see what's inside it. In the financials you reference in your question (http://www.marketwatch.com/investing/stock/FTNT/financials), you'll ... |
How do I know when I am financially stable/ready to move out on my own? | One big deciding factor will be what standard of living you want to maintain once you move out. Your parents have had years to get raises, accumulate savings, and establish the standard of living you are used to. Regardless of how much you save up now, you'll still have to be living at or below your means once you m... |
What is the meaning of “short selling” or “going short” a stock? | This is a gross simplification as there are a few different ways to do this. The principle overall is the same though. To short a stock, you borrow X shares from a third party and sell them at the current price. You now owe the lender X shares but have the proceeds from the sale. If the share price falls you can buy ba... |
Do I have to pay tax on money I earn as a tutor? | There is a moral and legal obligation to file the earnings. Not doing so is tax fraud. You should keep a ledger or some record of your earnings, helpful guidelines here. Records are required by the CRA: According to the law, your responsibilities include: (source) You could get in trouble if one of your pupils report t... |
How does a 2 year treasury note work? | Look at this question here. In my answer there, I put a link to an Investopedia article about the bond prices. Keep in mind that speculating over a short term period is pretty dangerous, even with the Treasury notes, and the prices may be affected temporary but greatly by the ordeals like the latest Republican shenanig... |
If a stock has only buyers and no sellers how does its price go up? | You are interpreting things wrong. Indian Infotech and Software Ltd (BOM:509051) clearly has volume and trades. The MoneyControl site says Your words like "Nobody is selling the stock" and "no trade going on" are completely unfounded. |
Which kind of investment seems feasible to have more cashflow every week or month? | Over the long run, you can expect to do about as well as the market itself. Depending on what time period you view, the stock market has typically provided returns of approximately 10%. Some years it is up, some years it is down. You may think you can get better returns, but you are mistaken. You may be able to do bett... |
Forex independent investments | Unless you are buying a significant value of your goods in USD then the relative strength of USD versus your local currency will have little to no effect on what the value of your investments is worth to you. In fact only (de|in)flation will effect your purchasing power. If your investments are in your local currency a... |
How can I report pump and dump scams? | Start with your local police department then move on to these sites. Fill out the United States Postal Service fraud complaint form http://ehome.uspis.gov/fcsexternal/ Contact your State Attorneys General. Your state Attorney General or local office of consumer protection is also listed in the government pages of your... |
In USA, what circumstances (if any) make it illegal for a homeless person to “rent” an address? | It depends on the rules in the specific places you stay. Specific places being countries or states. Some states may consider pension payments to be taxable income, others may not. Some may consider presence for X days to constitute residency, X days may be 60 days in a calendar year whether or not those days are co... |
What's the appropriate way to signify an S-Corp? | Subchapter S Corporations are a special type of corporation; the difference is how they are taxed, not how they relate to their vendors or customers. As a result, they are named the same way as any other corporation. The rules on names of corporations vary by state. "Corporation" and "Incorporated" (and their abbrevi... |
Pay online: credit card or debit card? | I use another solution: debit card with an account kept empty most of the time and another account in the same bank without any card. I keep the money on the second card-less account, and when I want to buy something, I instantly transfer the appropriate amount to the account with the card and pay. That way money is on... |
How can I tell what is “real” Motley Fool advice? | These advertisements try to take advantage of the short term memory loss of older people. If you keep an old person watching long enough they will forget why they started watching in the first place. Yet they trust themselves and assume that it was for a good reason. So the long winded salespitch succeeds with older pe... |
What are some good ways to control costs for groceries? | Please stay away from snakes. Don't use a credit card to buy your food. Those credit companies will eat you alive. Those are reward points they're giving you. It's like the casino giving you a free $50 to start out with. They designed the game. They are going to win. As for groceries, if you are a coupon clipper, check... |
Market Making vs Market Taking (Quotes vs Orders) | This is too lengthy for a comment. The following quoted passages are excerpted from this Money SE post. Before electronic trading and HFTs specifically, trading was thin and onerous. No. The NYSE and AMEX were deep, liquid and transparent for nearly 75 years prior to high frequency trading (HFT), in 2000 or so. The s... |
How to invest in stocks without using an intermediary like a broker? Can shares be bought direct? | Am I wrong? Yes. The exchanges are most definitely not "good ole boys clubs". They provide a service (a huge, liquid and very fast market), and they want to be paid for it. Additionally, since direct participants in their system can cause serious and expensive disruptions, they allow only organizations that know what ... |
For very high-net worth individuals, does it make sense to not have insurance? | The general answer to this is "yes". When you're dealing with single-digit millionaires, the answer is that their insurance habits and needs are basically the same as everyone else. When you get into the double digit and triple digit millionaires, or people worth billions, they have additional options, but those basi... |
Is inflation a good or bad thing? Why do governments want some inflation? | Sensitive topic ;) Inflation is a consequence of the mismatch between supply and demand. In an ideal world the amount of goods available would exactly match the demand for those goods. We don't live in an ideal world. One example of oversupply is dollar stores where you can buy remainders from companies that misjudg... |
Is Volvo a public company? | There are two different companies named "Volvo." The publicly-traded company with ticker symbol VOLV-B is called Volvo Group, or AB Volvo. They primarily build trucks, buses, and construction equipment. The company that makes the Volvo branded cars is called Volvo Cars. It is a privately-held company currently owned ... |
How can a person with really bad credit history rent decent housing? | This tale makes me sad the more I learn of it. I am impressed with your dedication and caring for your ex-wife and particularly your kids; you seem like a good person from your questions. But you are tired and exasperated too. You have every right to be. The problem isn't how this woman can rent a new apartment (whi... |
What to do when a job offer is made but with a salary less than what was asked for? | What I do in those cases - assuming I like the job - is ask for a review in 3-months. They usually take this to mean I want a raise-review and give me a raise. What I really want to know is how I'm doing. Some managers will only give feedback in a review instead of every day. |
How should I pay off my private student loans that have a lot of restrictions? | The one thing that I saw in here that raised a big red flag is that you said you "overpaid" on your interest. ALWAYS make sure you tell them that any extra money should be applied to principal only, not to interest. You accrue interest based on your outstanding principal amount, so getting that lower reduces the over... |
What's the connection between P/E ratio and growth? | So, the price-earnings ratio is price over earnings, easy enough. But obviously earnings are not static. In the case of a growing company, the earnings will be higher in the future. There will be extra earnings, above and beyond what the stock has right now. You should consider the future earnings in your estimate of w... |
Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? | Talk to your parents, and find out if you are reducing the debt or not. Find buyers, sell the place now and get out the deal. Of course you will have to wait to get a good price on it. Short term you haven't lost that much, but long term you will. Take your 25%, and use it as a down payment on a regular bank mortgag... |
Insurance company sent me huge check instead of pharmacy. Now what? | Option 4: Go talk with someone in person at an office of the Insurance company. They have helped me several times with things like this. They can get everyone involved on a conference call and make something happen. But you have to go in. Calling is a good way to waste time and get nowhere, they will throw the issue ba... |
Alternatives to Intuit's PayTrust service for online bill viewing and bill payment? | (Six years later...) I've used CheckFree for over 20 years, and my uncle started using it back in the early 1980s through a 300 baud modem. It has e-bills, EDI bills that you schedule yourself, and will also mail checks to people and small businesses. You can make your payments from an unlimited number of banks, can s... |
Is there a good rule of thumb for how much I should have set aside as emergency cash? | Between 6 months and a year is normally regarded as the "standard". Plan out what your monthly expenses are and save that money away. One thing to consider is what extras can you give up. If you are currently eating steak and lobster every day can you live with switching to ramen noodles for a period of time? Can y... |
Walking away from an FHA loan | According to the Trulia reference on the issue, New York is a recourse state. Recourse means that the lender can go after you for the difference between the foreclosure discharge amount (in New York - the higher of the FMV or the actual sale price) and the debt balance. That includes garnishing your wages, seizing your... |
What can I take from learning that a company's directors are buying or selling shares? | It is not clear when you mean "company's directors" are they also majority owners. There are several reasons for Buy; Similarly there are enough reasons for sell; Quite often the exact reasons for Buy or Sell are not known and hence blindly following that strategy is not useful. It can be one of the inputs to mak... |
How does it work when the same ETF is listed on several stock exchanges? | If I buy VUSA from one exchange, can I sell it in a different exchange, assuming my brokerage account lets me trade in both exchanges? Or is it somehow tied to the exchange I bought it from? This doesn't happen for all securities and between all stock exchanges. So that is dependent on broker and country. I checked for... |
Free brokerage vs paid - pros and cons | Emotion aside, you can calculate the cost of the funds you have tied up at the bank. If I can earn 5% in a CD, my "free" checking with minimum $5000 balance really costs me $250/yr. You have money tied up, I understand, but where would you place it otherwise, and at what return? The subject of frequent trading even a... |
Why do stock prices of retailers not surge during the holidays? | Your explanation is nearly perfect and not "hand wavy" at all. Stock prices reflect the collective wisdom of all participating investors. Investors value stocks based on how much value they expect the stock to produce now and in the future. So, the stability of the stock prices is a reflection of the accuracy of the in... |
Is stock in a company considered a good or a service, or something else? | Well it depends on whether or not your differentiating against. If its capital stock or stock as in a share certificate in the company. If its a share in the company then in my opinion using Equity would be best as it is a form of an asset and does refer to a piece of ownership of the entity. I wouldn't consider a shar... |
Can increasing my tax withholding from my full-time job cover FICA taxes for my freelance work? | Technically you owe 'self-employment' taxes not FICA taxes because they are imposed under a different law, SECA. However, since SE taxes are by design exactly the same rates as combining the two halves of FICA (employer and employee) it is quite reasonable to treat them as equivalent. SE taxes (and income tax also) are... |
My bank often blocks my card during purchases - what is the most reliable bank card? (UK) | I have had my card blocked at home only rarely. One occasion comes to mind - I had bought something fairly large online late at night. No sooner had I clicked Purchase than my phone rang - the bank was asking had I actually just spent [$amount] at [$online store]? I said yes and that was that. A little later I made ano... |
Which credit card is friendliest to merchants? | Merchants that accept American Express should have decided that the extra costs are worth the increased business (many business travelers only have an Amex Corporate Card). To complain about people actually using it after they've explicitly decided to accept it is a sign that they made the wrong decision, or that they... |
Saving tax for long term stock investment capital gain by quiting my current job? | The capital gain is counted as part of your income. So with a million capital gain you will be in a high tax bracket, and have to pay the corresponding capital gains tax rate on the million. |
How do I determine if sale proceeds from an asset are taxable? | Profit = Sale price - Basis Basis = Purchase price - any depreciation taken, including expensing it. |
If the put is more expensive than the call, what does it mean | What it means is that the stock has already moved down. Options and other derivatives follow the price of the underlying they are not a precursor to what the underlying is going to do. In other words, the price of a derivative is derived from the underlying. |
Definition of gross income (Arizona state tax filing requirements) | Many states have a simple method for assessing income tax on nonresidents. If you have $X income in State A where you claim nonresident status and $Y income overall, then you owe State A a fraction (X/Y) of the income tax that would have been due on $Y income had you been a resident of State A. In other words, comp... |
Buy or sell futures contracts | Buying (or selling) a futures contract means that you are entering into a contractual agreement to buy (or sell) the contracted commodity or financial instrument in the contracted amount (the contract size) at the price you have bought (or sold) the contract on the contract expire date (maturity date). It is important... |
Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? | The time to have looked into this is before you bought the condo, not now. You are presumably an adult. Your parents have apparently made it possible for you to have a roof of your own over your head for what is probably below rental rates (but I don't know your area, so can't say). From their point of view, they may h... |
What is the risk-neutral probability? | You have actually asked several questions, so I think what I'll do is give you an intuition about risk-neutral pricing to get you started. Then I think the answer to many of your questions will become clear. Physical Probability There is some probability of every event out there actually occurring, including the price... |
Pay off car or use money for down payment | Option 2. Selling the car yourself will give you the best value, especially if you can get its full value. This will cost you time, but will return much better return for your money. Also, I would strongly recommend buying a used car from a private owner (not a dealer), rather than buying a new car. For $14,000 in cash... |
How should I prepare for the next financial crisis? | Those ‘crises’ are only an issue if you need your savings during the time of crisis. If you have time to sit it out, you should just do that, and come out of the crisis with a gain. People that lose money during a crisis lose it because they sell their investments during the crisis, either because they had to or becaus... |
Can a stop loss order be triggered by random price? | Typically this isn't a random order- having a small volume just means it's not showing on the chart, but it is a vlid price point. Same thing would've happened if it would've been a very large order that shows on the chart. Consider also that this could have been the first one of many transactions that go far below you... |
Is gold really an investment or just a hedge against inflation? | Over time, gold has mainly a hedge against inflation, based on its scarcity value. That is, unless finds some "killer app" for it that would also make it a good investment. The "usual" ones, metallurgical, electronic, medicine, dental, don't really do the trick. It should be noted that gold performs its inflation hedge... |
Found an old un-cashed paycheck. How long is it good for? What to do if it's expired? | The typical rule in the US is 180 days, but some banks do it differently. However, even if the check is dead, you should be able to call the payroll department for your old job. They can stop payment on the old check and issue you another one. |
Should I get a personal loan to pay on my mortgage to go “above water” to qualify for a refinance? | It depends on how long it will take you to pay off the personal loan, the rate for the personal loan, the refi rate you think you can get, how much principal you will have to add to get the refi (may have gone up since then). Since you did not provide all the necessary details, the general answer is to sketch out your ... |
Shorting versus selling to hedge risk | The point of short-selling as a separate instrument is that you can you do it when you can't sell the underlying asset... usually because you don't actually own any of it and in fact believe that it will go down. Shorting allows you to profit from a falling price. Another (non-speculative) possibility is that you don't... |
If a mutual fund did really well last year, then statistically speaking, is it likely going to do bad this year? | Nearly all long-lived active funds underperform the market over the long run. The best they can hope for in almost all cases is to approximate the market return. Considering that the market return is ~9%, this fund should be expected to do less well. In terms of predicting future performance, if its average return is g... |
How to bet against IPOs? | There are 2 primary ways to bet against a stock if you think it will decline. The first is to short sell shares of that stock the second is to buy put options (I would also add that selling naked call options would also be a bet against but I don't believe that is as common as the other 2 mentioned methods). The proble... |
Can I lose more on Forex than I deposit? | Contrary to what other people said I believe that even without leverage you can lose more that you invest when you short a FX. Why? because the amount it can go down is alwasy limited to zero but it can, potentially, go up without limit. See This question for a mored detailed information. |
What assets would be valuable in a post-apocalyptic scenario? | This is going to be a list of some things that will likely be of value immediately after some apocalyptic event. However, note that I am not answering your question of what you should invest in now to take advantage of such an event. That is a pretty ridiculous notion. Preparing oneself for such a possibility is cer... |
What is the process of getting your first share? | Let's handle this as a "proof of concept" (POC); OP wants to buy 1 share of anything just to prove that they can do it before doing the months of painstaking analysis that is required before buying shares as an investment. I will also assume that the risks and costs of ownership and taxes would be included in OP's futu... |
In the stock market, why is the “open” price value never the same as previous day's “close”? | It's almost like why don't you wake up in the morning feeling exactly like you slept the earlier night? yeah, once in a while that'll happen, but it's not designed to be that way. Stuff happens. The close of the stock is what happened at 4 PM (for US stocks). The "open" is simply the first price ever, or an open price ... |
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