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Loan math problem | Lachlan has $600 cash and a car worth $500. That's $1,100. The new car is priced at $21,800. Lachlan needs a loan for $20,700. However, the finance company insists that the buyer must pay a 10% deposit, which is $2,180. Lachlan only has $1,100, so no loan. The car dealer wants to make a sale, so suggests some tricks. ... |
What is needed to be a “broker”? | You must understand that: So, if you -- the prospective buyer -- are in Waukegan, do you take the train all the way to New York City just to buy 100 shares of stock? No. That would be absurdly expensive. So, you hire an agent in NYC who will broker a deal for you in the exchange. Fast forward 100 years, to the time ... |
Consequences of buying/selling a large number of shares for a low volume stock? | I've alway thought that it was strange, but the "price" that gets quoted on a stock exchange is just the price of the last transaction. The irony of this definition of price is that there may not actually be any more shares available on the market at that price. It's also strange to me that the price isn't adjusted at ... |
Reasons for a warrant's intrinsic value and price not adding up? | While on the surface it may seem that the warrant you described is trading below intrinsic value, there are many reasons why that might not be the case. It's more likely that you are lacking information, than having identified a derivative instrument that the market has failed to reasonably price. For instance, might t... |
Interactive Brokers: IOPTS and list of structured products | Interactive Brokers offers global securities trading. Notice that the security types are: cash, stock (STK), futures (FUT), options (OPT), futures options (FOP), warrants (WAR), bonds, contracts for differences (CFD), or Dutch warrants (IOPT) There is a distinction between options (OPT), warrants (WAR), options on ... |
Which technical indicators are suitable for medium-term strategies? | Speaking from stock market point of view, superficially, TA is similarly applicable to day trading, short term, medium term and long term. You may use different indicators in FX compared to the stock market, but I would expect they are largely the same types of things - direction indicators, momentum indicators, spread... |
Buying my first car out of college | I've seen this approach to buying/funding cars described in a couple of different ways over the years. Random thoughts: |
When is the right time to buy a car and/or a house? | Buy a house when you can, but keep driving your current car until it dies. In ten years' time, a house should be worth more than you paid for it, while a new car will be worth next to nothing. And research shows that buying possessions like cars doesn't actually make you happier, even though you think it will. |
Why are U.S. Treasury interest rates are so low vs. other nearly risk-free rates? | As I'm sure you are reading in Hull's classic, the basic valuation of bonds depends on the chance of entity defaulting on those bonds. Let's start with just looking at the US. The United States has a big advantage over corporations in issuing debt as it also prints the same currency that the debt is denominated in. ... |
If a employers supposed to calulate drive time pay with your weekly gross pay | Reimbursements for business expenses are generally not taxable, but the commute from home to the job and back is not considered business travel and if they're paying for that it is taxable income. I don't think carpooling changes that, but I am not a tax lawyer or accountant. The rest of your questions seem to be compa... |
Little hazy on how the entire RSU's and etrade works | Is the remaining amount tax free? As in, if the amount shown (which I can sell) on etrade is $5000 then if I sell the entire shares will my bank account be increased by $5000? The stocks they sell are withholding. So let's say you had $7000 of stock and they sold $2000 for taxes. That leaves you with $5000. But the ... |
Where to start with personal finance in Canada? | There are some great answers on this site similar to what you asked, with either a non-jurisdictional or a US-centric focus. I would read those answers as well to give yourself more points of view on early investing. There are a few differences between Canada and the US from an investing perspective that you should als... |
Why does an option lose time value faster as it approaches expiry | Don´t forget that changing volatility will have an impact on the time value too! So at times it can happen that your time value is increasing instead of decreasing, if the underlying (market) volatility moves up strongly. Look for articles on option greeks, and how they are interdependent. Some are well explaining in s... |
Electric car lease or buy? | I would like to add that from my own research, a pro to leasing over buying a new vehicle would be that with the lease the entire 7,500 federal incentive is applied directly to the lease, or so they say. If you buy a new car you get a 7,500 federal tax incentive also but if you dont have 7,500 bucks in taxes this wont ... |
Frequency of investments to maximise returns (and minimise fees) | Okay, I think I managed to find the precise answer to this problem! It involves solving a non-linear exponential equation, but I also found a good approximate solution using the truncated Taylor series. See below for a spreadsheet you can use. Let's start by defining the growth factors per period, for money in the bank... |
What's the difference between a high yield dividend stock vs a growth stock? | The two are not incompatible. This is particularly true of Glaxo and Pfizer, two drug companies operating in roughly the same markets with similar products. Many "good" companies offer a combination of decent yields and growth. Glaxo and Pfizer are both among them. There is often (not always), a trade-off between high ... |
Does girlfriend have too much savings, time to invest? | There are ETF funds that only purchase preferred stock from banks. I have one that pays a monthly dividend of a little under 6% per year. That means that it pays just under 0.5% every month. The purchase price of this stock just slowly goes up and up. You can do a whole lot better than 2% per year. The crux of the is... |
Should we buy a house, or wait? | Some highly pessimistic things worth noting to go alongside all the stability and tax break upside that homes generally provide: Negative equity is no joke and basically the only thing that bankrupts the middle classes consistently en masse. The UK is at the end of a huge housing bull run where rents are extremely chea... |
Do I need to pay taxes in the US as an Alien Resident for my Canadian stock capital gains | I will answer my own question. After calling my broker, they explained me this: |
What would happen if I were to lose all equity in my condo when it's time to renew the mortgage? | It doesn't matter. You will just renew your mortgage at the prevailing rates. That's part of the mortgage contract. The problem that happens is if you want to move your mortgage to another bank for a better rate, they may not accept you. Your re-negotiating position is limited. Most mortgages have a portability op... |
How do I get into investing in stocks? | Start by paying down any high interest debt you may have, like credit cards. Reason being that they ultimately eat into any (positive) returns you may have from investing. Another good reason is to build up some discipline. You will need discipline to be a successful investor. Educate yourself about investing. The M... |
What cost basis do I report on the 1099? | You wouldn't fill out a 1099, your employer would or possibly whoever manages the stock account. The 1099-B imported from E-Trade says I had a transaction with sell price ~$4,500. Yes. You sold ~$4500 of stock to pay income taxes. Both the cost basis and the sale price would probably be ~$4500, so no capital gain... |
Do stock prices really go down by the amount of the dividend? | Here is one study http://rfs.oxfordjournals.org/content/7/4/711.short I quote from the abstract "In a variety of tests, marginal price drop is not significantly different from the dividend amount. Thus, over the last several decades, one-for-one marginal price drop has been an excellent (average) rule of thumb." |
What are the reasons to get more than one credit card? | 3 reasons I can think of: I once worked for a bank and when credit scoring for loans, if you had been approved by different institutions, you were given a better score. So if you held a Visa and Mastercard (as opposed to two Visa cards) your credit score would go higher. More than 6 cards though looked suspicious and y... |
What should I do with my money? | Edit: I a in the United States, seek advice from someone who is also in Australia. I am getting about 5.5% per year by investing in a fund (ticker:PGF) that, in turn, buys preferred stock in banks. Preferred stock acts a bit like a bond and a bit like a stock. The price is very stable. However, a bank account is FDIC... |
How would I go about selling the stock of a privately held company? | SecondMarket attempts to add liquidity to privately held companies. You may be able to find a buyer there, but this is still incredibly illiquid due to accredited investor regulations constricting businesses from catering to the 99%. As around 1% of the United States population qualifies as an accredited investor. |
How to report a personal expense for an LLC partnership paid in one year and reimbursed in another? | You report it when the expense was incurred/accrued. Which is, in your case, 2014. There's no such thing as "accounts payable" on tax forms, it is an account on balance sheet, but most likely it is irrelevant for you since your LLC is probably cash-based. The reimbursement is a red-herring, what matters is when you pai... |
Valuation, pricing, and analysis of securities | Pricing would just be another way to describe valuation. I guess if you want to get technical, pricing - is the act of getting somethings valuation. While valuation - is the estimate of somethings worth. Security analysis - An examination and evaluation of the various factors affecting the value of a security. Side No... |
Is there a benefit, long term, to life insurance for a youngish, debt, and dependent free person? | For most situations the "no need" answers are 100% correct. The corner case to think about depends on your health and your family history. Not to be morose, but if folks in your family who died young from heart issues, clusters of cancer or other terminal illnesses, you may want to consider getting medically qualified... |
Tax implications of exercising ISOs and using proceeds to exercise more ISOs | I've never heard of an employer offering this kind of arrangement before, so my answer assumes there is no special tax treatment that I'm not aware of. Utilizing the clause is probably equivalent to exercising some of your options, selling the shares back to your employer at FMV, and then exercising more options with ... |
How can I find a list of all North American ETF's including symbols? | You can use www.etfdb.com and search on geography. |
Are there any countries where citizens are free to use any currency? | Wikipedia has a list of countries which ban foreign exchange use by its citizens. It's actually quite short but does include India and China. Sometimes economic collapse limits enforcement. For example, after the collapse of the Zimbabwean dollar (and its government running out of sufficient foreign exchange to buy t... |
What are your experiences with 'self directed' 401ks? | My employer matches 1 to 1 up to 6% of pay. They also toss in 3, 4 or 5 percent of your annual salary depending on your age and years of service. The self-directed brokerage account option costs $20 per quarter. That account only allows buying and selling of stock, no short sales and no options. The commissions are $12... |
Understanding the phrase “afford to lose” better | I think it's a silly statement. If you are prepared from the start that you might lose it then you shouldn't invest. You invest to earn not to lose. Most often losses are a result of fear. Remember you only lose when you sell lower than you bought for. So if you have the patience you will probably regain. I ask my cl... |
Is it safe to accept money in the mail? | The US Postal Service to my recollection recommends only mailing cash or items with cash-like characteristics using Registered Mail service. Registered mail is expensive and a pain in the butt for everyone, as it requires an audit trail for each individual who touches the mailing. If you're doing a lot of business and... |
How to invest in Japan's stock market from the UK | Use an exchange traded fund ETF, namely SPDR MSCI Japan EUR Hdg Ucits ETF. It is hedged and can be bought in the UK by this broker State Street Global Advisors on the London Stock Exchange LSE. Link here. Article on JAPAN ETF hedged in Sterling Pound here. |
Why do VAT-registered businesses in the EU charge VAT to each other? | Not doing this would defeat the entire purpose of a VAT. The reason for a VAT rather than a simple sales tax is that it's harder to evade. Having a simple sales tax with the type of rates that VAT taxes typically are is unworkable because evasion is too easy. Imagine I'm a retailer. I buy products from a wholesaler and... |
When is it better to rent and when is better buy in a certain property market? | No magic answers here. Housing is a market, and the conditions in each local market vary. I think impact on cash flow is the best way to evaluate housing prices. In general, I consider a "cheap" home to cost 20% or less of your income, "affordable" between 20-30% and "not affordable" over 30%. When you start comparing ... |
Why would you ever turn down a raise in salary? | I would turn down a 20% raise in salary without thinking, if they would offer that I can have a 4 day work week. I even take a 10% cut for this! |
Retirement planning 401(k), IRA, pension, student loans | I'd suggest you avoid the Roth for now and use pretax accounts to get the greatest return. I'd deposit to the 401(k), enough to get as much match as permitted, then use a traditional IRA. You should understand how tax brackets work, and aim to use pre-tax to the extent it helps you avoid the 25% rate. If any incrementa... |
Why do some online stores not ask for the 3-digit code on the back of my credit card? | As a general premise: In most of the online transactions in case of dispute the benefit of doubt is given to the customer. IE if the customer refuses to pay and claims that its not his transaction, the card company reverses the charges and does not pay the merchant (or recovers if its already paid). There are many ty... |
Accounting equation: does income really decrease equity? | If your income stream goes up, it would usually increase both your "income" term and your "assets" term since that money sits in your bank account as an asset. (Even more likely a combination of assets and expenses go up if you have cost associated with the increase in income.) In this case, they balance in the equati... |
Steps/Procedures to open an online stock trading account in the US | Since you are not starting with a lot of cash the commissions may eat into your account. So go with somebody that has no inactivity fee and low/free commission. I think there are number of sites and the ING sharebuilder.com comes to mind. Scottrade also one of the cheaper ones that i used. |
Should I have a higher credit limit on my credit card? | There is no "golden rule" on how high of a credit limit an individual should have. There are 22 year olds that have $100,000 credit limits and 40 year olds that have $1000. The most important thing is to not over spend and pay your balance(s) in full every month. Seeing as you are doing that now, there is no downside t... |
Why is financial data of some public companies not available on Yahoo Finance? | http://www.pacificrubiales.com/investor-relations/reports.html does have financial reports on their website for the example you list. There is the potential for some data to not be easily imported into a format that Yahoo! Finance uses would be my guess for why some data may be missing though an alternative explanatio... |
What happens to a company when it issues preference shares? | In most cases , preferential sharesholders are paid dividends first before common shareholders are paid . In the event of a company bankruptcy , preferential shareholders have the right to be paid first before common shareholders. In exchange for these benefits , preferential shareholders do not have any voting rights.... |
How did Bill Gates actually make his money? | Bill was the founder of Microsoft, so he did indeed have a large number of shares as the company was growing exponentially. He has previously donated a large share of his fortune to the Bill and Melinda Gates foundation, so his fortune would be even greater were it not for the philanthropy. He is still a large holder... |
Is the Net Profit the 'final word' on a company's health? | To answer your question briefly: net income is affected by many things inside and outside of management control, and must be supplemented by other elements to gain a clear picture of a company's health. To answer your question in-depth, we must look at the history of financial reporting: Initially, accounting was prima... |
What is a good way to save money on car expenses? | Ride a bicycle or walk for short trips (< 5mi–10mi, depending on your level of comfort). Nothing saves as much on car expenses as simply driving less. |
Is housing provided by a university as employer reported on 1040? | To answer your question directly, this is a taxable benefit that they are providing for you in lieu of higher wages. It is taxable to the employee as income and through payroll taxes. It is taxable to the employer for their half of the payroll taxes. |
What is the best way to stay risk neutral when buying a house with a mortgage? | You can hedge your house price from losing value if you believe that the housing market is correlated with major stock indices. Speak with a commodities broker because they will be able to help you buy puts on stock indices which if correlated with housing prices will offer somewhat of a hedge. Example. House prices dr... |
How do I establish the cost basis of shares bought in an employee stock purchase program? | A public company should have a link for investor relations, which should help provide a trail of basis if this is a matter of company buyout, takeover, etc. This gets you close, but if you don't have an exact date, it will just be close, not exact. One clean way out of this, assuming the goal is to get rid of the sto... |
Should I put more money down on one property and pay it off sooner or hold on to the cash? | I would go with option B. That is safer, as it would leave you with more options, in case of an unexpected job loss or an emergency. |
S&P is consistently beating inflation? | TL;DR: Because stocks represent added value from corporate profits, and not the price the goods themselves are sold at. This is actually a very complicated subject. But here's the simplest answer I can come up with. Stocks are a commodity, just like milk, eggs, and bread. The government only tracks certain commoditi... |
What is a good investment vehicle for introducing kids to investing? | For "real" investing I would usually recommend mutual funds. But if you are trying to teach a kid about investing, I would recommend they choose individual stocks. That will give them a great opportunity to follow the companies they bought in the news. It also gives you an opportunity to sit down with them periodic... |
Am I understanding buying options on stock correctly | Options have legitimate uses as a way of hedging a bet, but in the hands of anyone but an expert they're gambling, not investing. They are EXTREMELY volatile compared to normal stocks, and are one of the best ways to lose your shirt in the stock market yet invented. How options actually work is that you're negotiating ... |
Net money invested in Stock indexes ended up in red | Not sure where you got the 296 crores figure. The data on the sheet shows activity by category of investors. In the end NET of all BUY and SELL across all categories will always be Zero. It has no bearing on whether the stock market goes up or goes down. If you compare only activity by certain category, say FII then th... |
Can I make my savings keep in check with or beat inflation over a long time period via index funds? | See the following information: http://www.bogleheads.org/wiki/Treasury_Inflation_Protected_Security You can buy individual bonds or you can purchase many of them together as a mutual fund or ETF. These bonds are designed to keep pace with inflation. Buying individual inflation-protected US government bonds is about as... |
I received $1000 and was asked to send it back. How was this scam meant to work? | The initial story sounds normal. Happens every day. Checksums cannot prevent this, since it is a typo by the sender. The sender typed in a wrong account number. That account number happened to exist (so the sender wouldn't get any immediate error message), your account. But, that innocent story can also be used as part... |
Are stories of turning a few thousands into millions by trading stocks real? | If they could really do this, do you really think they would be wasting their time offering this course? You are being lied to. (Or more accurately: It's certainly possible to gamble and get lucky, but those gambles are more likely to result in your rapidly losing your money than in your rapidly gaining value.) It is... |
When are equal-weighted index funds / ETFs preferable to market-cap-weighted funds? | In market cap weighted index there is fairly heavy concentration in the largest stocks. The top 10 stocks typically account for about 20% of the S&P 500 index. In Equal Weight this bias towards large caps is removed. The Market Cap method would be good when large stocks drive the markets. However if the markets are ge... |
Error in my car loan papers, what do I do? | The absolute first thing you need to do is contact the bank. Also, do you have a copy of the loan papers you signed? You should look over those as soon as possible as well. I'm sure you want these payments going toward your FICO score and not your mothers. |
What is the best way to invest in gold as a hedge against inflation without having to hold physical gold? | Since GLD is priced as 1/10 oz of gold, I'd call it the preferred way to buy if that's your desire. I believe gold is entering classic bubble territory. Caveat emptor. A comment brought me back to this question. My answer still applies, the ETF the best way to buy gold at the lowest transaction cost. The day I posted ... |
How is gold shared in worldwide economies? | You might want to read about about the Coase Theorem. "In law and economics, the Coase theorem, attributed to Ronald Coase, describes the economic efficiency of an economic allocation or outcome in the presence of externalities. The theorem states that if trade in an externality is possible and there are no transactio... |
How do you quantify investment risk? | Another approach would be more personalized, which is to measure the risk of missing your goals, rather than measuring the risk of an investment in some abstract sense. Financial planners do this for example with Monte Carlo simulation software (see http://en.wikipedia.org/wiki/Monte_Carlo_method). They would put in a ... |
What factors would affect the stock price of a sports team? | Costs are almost entirely salaries Apart from all the usual costs incurred by running a large, complex, business, ManU are servicing debt that is getting up around the GBP500M mark. This is debt racked up by the Glazer family since purchasing the team, as well as debt they took with them to the team. What sort of fac... |
What is the purpose of property tax? | Governments only have a few ways to get income: tax income, tax consumption, tax property (cars & boats), tax real estate, or tax services (hotel & meals). The National, state, county, city, and town taxing authorities determine what is taxed and what the rate will be to get enough money to run their share of the gover... |
When is the right time to buy a new/emerging technology? | The short answer is that it's never the right time to buy an emerging technology. As long as the technology is emerging, you should expect that newer revisions will be both better and less expensive. With solar, specifically, there are some tax credits to help the early adopters that may help you on the cost/benefit an... |
What are the advantages of paying off a mortgage quickly? | It depends on where you are in life, and where you want to be at some point in the future, and the taxes, expenses and income at those points in your life. You don't get a mortgage to save on taxes, or keep a mortgage to save on taxes. But if somebody said they want to have the house paid off before they retire, that s... |
Where to park money low-risk on interactivebrokers account? | I would refrain from commenting on market timing strategy, but please don't park extra AUD cash in IB. Park cash in your local bank high interest savings, and get a Margin account at IB. When you want to pull the trigger, use margin loan to buy stocks immediately, then transfer cash from local bank to IB afterwards. |
What gives non-dividend stocks value to purchasers? [duplicate] | Instead of giving part of their profits back as dividends, management puts it back into the company so the company can grow and produce higher profits. When these companies do well, there is high demand for them as in the long term higher profits equates to a higher share price. So if a company invests in itself to gro... |
I co-signed a car but i am listed as the primary account holder for the loan | First of all you do not "co-sign a car". I assume what you mean by this is that you co-signed a loan, and the money was used to buy a car. Once you signed that loan YOU OWED THE MONEY. Once a loan exists, it exists, and you will owe the money until the loan is paid. If you do not want to owe the money, then you need to... |
Should a high-school student invest their (relative meager) savings? | Between 1 and 2 G is actually pretty decent for a High School Student. Your best bet in my opinion is to wait the next (small) stock market crash, and then invest in an index fund. A fund that tracks the SP500 or the Russel 2000 would be a good choice. By stock market crash, I'm talking about a 20% to 30% drop from th... |
What is a typical investment portfolio made up of? | Don't over think about your choices. The most important thing to start now and keep adjusting and tuning your portfolio as you move along in your life. Each individual's situation is unique. Start with something simple and straight forward, like 100 - your age, in Total Stock market Index fund and the remaining total b... |
How should I value personal use television for donation? | I used TurboTax last year. It had a section for donations where it figured out the amounts of the IRS approved values for a donation. You would need to know the size of the television and the current condition it is in. He's a screenshot - though it's not from the TV section. https://turbotax.intuit.com/tax-tools/ta... |
Should my husband's business pay my business? | Is it worth it for me to "charge" him? I can think of two reasons why you might want to charge your husband: |
I'm an American in my mid 20's. Is there something I should be doing to secure myself financially? | First of all, make sure you have an emergency fund. Ideally this should be at least 6 months of living expenses in an easily accessible place. Do you have any credit card debt, school debt, or other debt? Work towards becoming debt free, especially of higher interest debt and debt on things that are only depreciating... |
Can I withdraw from my Roth IRA retirement account to fund a startup? | There are two methods of doing this Pulling out the money and paying the penalty if any, and going on your way. Having the Roth IRA own the business, and being an employee. If you go with the second choice, you should read more about it on this question. |
Why are Rausch Coleman houses so cheap? Is it because they don't have gas? | I have lived in my RC Home since 2008 and I have had ZERO PROBLEMS! We are in the process of building another RC home in a different community. The only thing I've done was replace the roof ONLY because of a very bad hail storm (baseball sized) that came through OKC. My mom also purchased a RC home in 2007 and didn't h... |
Are the stocks of competitor companies negatively correlated? | Not especially. It depends on why sales have changed. If it's just consumer demand, that affects everyone in parallel rather than pushing in opposite direactions. If it's changes other than sales, that may have no effect on other companies. If it's because someone introduced the next must-have-it device and they're sel... |
Why would a company sell debt in order to buy back shares and/or pay dividends? | My answer is not specific, or even maybe applicable, to Microsoft. Companies don't want to cut dividends. So they have a fixed expense, but the cashflow that funds it might be quite lumpy, or cyclical, depending on the industry. Another, more general, issue is that taking on debt to retire shares is a capital allocatio... |
Might I need a credit score to rent, or for any other non-borrowing finances? | Typically one wants to see a credit score, just because you may have money in the bank and decent income does not mean your going to pay, there are plenty of people who have the money but simply refuse to cough it up. Credit is simply a relative way of seeing where one fits against another in a larger group, it shows t... |
How to prevent myself from buying things I don't want | There are a lot of good answers above, all of them will probably work for you in some way or another. One point to note (from the procrastination theme) is that you could invest your free money that you have currently in some investment instrument which would require you to do some paperwork etc. to get out, this way t... |
stock(paper) delivery to home | Getting "physical stocks" will in most cases only be for the "fun of it". Most stocks nowadays are registered electronically and thus the physical stock will be of no value - it will just be a certificate saying that you own X amount of shares in company X; but this information is at the same time registered electronic... |
Is an interest-only mortgage a bad idea? | Generally, interest-only mortgages are a bad idea, because a lot of people get them so that they can buy more house than they could otherwise afford (lower payment = affordable, in their minds). If the house continues to go up in value, they probably get away with it, because when the balance becomes due, they can ref... |
Is there a good rule of thumb for how much I should have set aside as emergency cash? | The main factor should be what sorts of emergencies you are trying and also need to protect yourself against. Overall I'd say at least 6-9 months of expenses, adjusted for the above factors. More might be better but I'd probably keep that in a different type of investment vehicle, mainly because it doesn't really need ... |
How can I save LLC fees when investing in Arizona real estate from California | You won't be able to avoid the $800 fee. CA FTB has a very specific example, which is identical to your situation (except that they use NV instead of AZ), to show that the LLC has liability in California. State of formation is of no matter, you'll just be liable for fees in that state in addition to the CA fees. This i... |
Is it possible to influence a company's actions by buying stock? | Another form of 'shareholder' activism. You might be able to buy a single share, which it seems would cost around $35, attend the AGM, and ask questions and/or shout or sing and delay proceedings. There would certainly be security guards or police ready to remove protesters at an AGM. |
Do I make money in the stock market from other people losing money? | Just because your slice of pie gets bigger doesn't necessarily mean someone else's becomes smaller. In a lot of cases it's the entire pie that gets bigger. Why is the pie bigger? More investors (savers turn investors; foreign investments, etc.), more money printed (QE anyone?), Market sentiment changes (stock is priced... |
What pension options are there for a 22 year old graduate in the UK? | I wouldn't go into a stock market related investment if you plan on buying a house in 4-5 years, you really need to tie money up in stocks for 10 years plus to be confident of a good return. Of course, you might do well in stocks over 4-5 years but historically it's unlikely. I'd look for a safe place to save some mon... |
Pros & cons of investing in gold vs. platinum? | @Michael Kjörling answered why platinum is in demand like it is. But it missed some of the significant risks so I will address some of them. Platinum is much more rare than gold. But not because there is less platinum than gold just that the known existing platinum veins are smaller and more disbursed. So if a larg... |
Does my net paycheck decrease as the year goes on due to tax brackets filling up? | It seems that you are misunderstanding how your taxes are calculated. You seem to be under the impression that once you pass $37,450 annual income, ALL of your income will be taxed at 25%. However, in reality, only the income you earn above that amount will be taxed at 25%. You can use this chart to determine exactly h... |
What is the best way to get a “rough” home appraisal prior to starting the refinance process? | It's extremely easy to get a rough valuation of your home. Just phone a real estate agent. Virtually any real estate agent will come and value your home free. Even if you say outright "I'm not considering selling, I just want a valuation" they will probably do it, because for them getting contacts of people who might o... |
How does GST on PayPal payments work for Australian Taxation? | TL;DR - my understanding of the rules is that if you are required to register for GST (earning more than $75k per annum), you would be required to pay GST on these items. To clarify firstly: taxable income, and goods and services tax, are two different things. Any income you receive needs to be considered for income ta... |
In Canada, can a limited corporation be used as an income tax shelter? | This scheme doesn't work, because the combination of corporation tax, even the lower CCPC tax, plus the personal income tax doesn't give you a tax advantage, not on any realistic income I've ever worked it out on anyway. Prior to the 2014 tax year on lower incomes you could scrape a bit of an advantage but the 2013 bu... |
What causes discontinuities with stock prices | During the 12 plus hours the market was closed news can change investors opinion of the stock. When the market reopens that first trade could be much different than the last trade the day before. |
What are some time tested passive income streams? | Renting a house out using a management company is mostly passive income. Earning affiliate income from companies that pay on a recurring basis is closer to passive income. |
Why do stocks split? | Stock splits are typically done to increase the liquidity of stock merely by converting every stock of the company into multiple stocks of lower face value. For example, if the initial face value of the stock was $10 and the stock got split 10:1, the new face value of the stock would be $1 each. This has a proportional... |
How to choose a good 401(k) investment option? | There are not as many options here as you fear. If you have no other investments outside this 401K it is even easier. Outside accounts include IRA, Roth IRA, taxable investments (mutual funds, ETF, individual stocks), Employee stock purchase plans. Amount: make sure you put enough in to get all the company match. I ass... |
Question about MBS and how it pays | A Mortgage Backed Security or MBS is the security. It's not an entity, it's essentially a contract. As an investment they function more or less the same way a bond does. There is nothing wrong with the concept behind a Mortgage Backed Security. Functionally securities like these allows banks and other institutions t... |
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