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Why would a company sell debt in order to buy back shares and/or pay dividends? | When I play Railroad Tycoon III, I often send my company deep into debt to get cash on hand to buy back shares, effectively increasing my ownership of the company as an absolute percentage. Then I issue massive dividends until my company goes bankrupt, and start a new company. It's a way to shuttle money borrowed again... |
How do I choose 401k investment funds? | Here is the "investing for retirement" theoretical background you should have. You should base your investment decisions not simply on the historical return of the fund, but on its potential for future returns and its risk. Past performance does not indicate future results: the past performance is frequently at its bes... |
Evaluating an endowment policy for its fairness against other tax saving options in India such as PPF, EPF and even FDs | Or am missing something? Yes. The rate of 8.53 is illustration. There is no guarantee that the rate will be applicable. My yearly premium is Rs. 26289. On this amount I will save tax of Rs. 7887. So net premium is Rs. 18402. The other way to look at this is invest Rs 26289 [or actually less of Eq Term Deposit premium]... |
Comparison between buying a stock and selling a naked put | Yes, of course there have been studies on this. This is no more than a question about whether the options are properly priced. (If properly priced, then your strategy will not make money on average before transaction costs and will lose once transaction costs are included. If you could make money using your strategy,... |
Personal Tax Deduction for written work to a recognized 501c3 | If it's work you'd be producing specifically for this organization, that would not be deductable. Per Publication 526, Charitable Deductions, "You can't deduct the value of your time or services, including: … The value of income lost while you work as an unpaid volunteer for a qualified organization." On the other hand... |
Totally new to finance, economy, where should I start? | If you're looking to invest using stocks and shares, I recommend you set up an account at something like Google Finance - it is free and user-friendly with lots of online help. You can set up some 'virtual cash' and put it into a number of stocks which it'll track for you. Review your progress and close some positions ... |
Why would you elect to apply a refund to next year's tax bill? | There actually are legitimate reasons, but they don't apply to most people. Here are a few that I know of: You're self-employed and have to pay quarterly estimated taxes. Rather than wait for the refund when you already have to pay 1/4 of next year's taxes at the same time, you just have the IRS apply to refund forwa... |
What's so hard about a mutual fund manager pricing their mutual fund? | Remember that in most news outlets journalists do not get to pick the titles of their articles. That's up to the editor. So even though the article was primarily about ETFs, the reporter made the mistake of including some tangential references to mutual funds. The editor then saw that the article talked about ETFs a... |
Buying from an aggressive salesperson | I often spend weeks or months (and sometimes even years) deciding whether to buy something. Certainly the dealer should recognize you by now if you take a third opportunity to look at the same instrument. You could politely remind him that you've twice declined his excellent prices. From there you can assert that you w... |
Is an Income Mutual Fund a good alternative to a savings account? | Risk. Volatility. Liquidity. Etc. All exist on a spectrum, these are all comparative measures. To the general question, is a mutual fund a good alternative to a savings account? No, but that doesn't mean it is a bad idea for your to allocate some of your assets in to one right now. Mutual funds, even low volatility s... |
Digital envelope system: a modern take | Envudu (envudu.com) looks very promising, and I think what they are planning to put out will do essentially everything you want. It's a single prepaid card, but with a connected app. On the app you choose which budget category you're going to spend on next, and then swipe your card. Your purchase gets deducted from tha... |
Have plenty of cash flow but bad credit | Sign up with credit karma. It will give you two scores for free and will show you credit cards you have a good chance in being approved for. Plus it will evaluate your score showing you the 6 items that effect your score and give you steps to improve them or tell you how long you have to wait until they roll off. Plu... |
moving family deposits away from Greece (possibly in UK) | I can't comment about your tax liability in Greece. You will have to pay tax on interest in the UK. If you are earning massive amounts of interest, unlikely with the current interest policies from Merv, then you might be bumped up a tier. The receiving bank may ask for proof of the source of the funds, particularly if ... |
How does stock dilution work in relation to share volume? | Here is an example for you. We have a fictional company. It's called MoneyCorp. Its job is to own money, and that's all. Right now it owns $10,000. It doesn't do anything special with that $10,000 - it stores it in a bank account, and whenever it earns interest gives it to the shareholders as a dividend. Also, it doesn... |
AVS Address Verification System of BOTH Credit and Debit Cards - WHERE, HOW? | Parts of what you want are possible, but taken as a whole, you're out of luck. First of all, there is no master database of every cardholder in the country. The only way to check if information is correct is to ask the issuing bank. The AVS system is a way to automate doing so, but it's possible to call the bank dire... |
Offshore bank account with online International wire-transfer facility for Indians | Well first off, I would advice you to do this research yourself. You should not base your selection off someone's opinion such as mines. With that being said, these are some factors I suggest you consider and research before talking to an offshore bank account: Now, when opening an offshore account most offshore banks... |
Where should a young student put their money? | Good for you! At your age, you should definitely consider investing some of your hard-earned and un-needed money in stocks with the long-term goal of having your retirement funded. The time horizon that you'd have would be vastly superior to that of millions of others, who will wait until their thirties or even forties... |
Home loan: loss payable clause in favor of lender for home insurance? | Here's a good rule of thumb. In any situation where you are required to purchase insurance (Auto Liability, Property Mortgage Insurance, etc.) you can safely assume that you aren't the primary beneficiary. You are being required to buy that insurance to protect someone else's investment. |
What's the fuss about identity theft? | Real world case: IRS: You owe us $x. You didn't report your income from job y. My mother: I didn't work for y. I don't even know who y is. IRS: If the W-2 is wrong, talk to them to get it fixed. My mother: I can't find y. Please give me an address or phone. IRS: We can't. You talk to them and get it fixed. I k... |
Is it possible to trade CFD without leverage? | You can but there is no point trading CFD's seeing you may still lose more than your investment due to slippage |
Should I lease, buy new, or buy used? | I think you're dancing with the line here, this question is hard to back up without opinions and could really be three different questions. I'm going to push aside the part about quality and reliability, that could be an emotional subject. So from a price standpoint, there's virtually no disagrement that it makes finan... |
401k Rollover - on my own or through my financial advisor? | I thought the Finance Buff made a pretty solid argument for a financial advisor the other day: http://thefinancebuff.com/the-average-investor-should-use-an-investment-advisor-how-to-find-one.html But 1.5% is too expensive. The blog post at Finance Buff suggests several alternatives. He also has the great suggestion to ... |
In the USA, why is the Free File software only available for people earning less than $62k? | It is very helpful to understand that Free File is not actually "by" the US Internal Revenue Service (IRS). The IRS does indeed offer access to the program through their website, but Free File is actually a public-private partnership program operated and maintained by the Free File Alliance. Who is the Free File Allian... |
What should we consider when withdrawing a large amount of money from a bank account? | withdraw in cash - bank reports it to IRS no matter what. Would this affect my tax filing in the coming year? No, and no. The bank doesn't report to the IRS. In the US - the bank will probably report to FinCEN. It has nothing to do with your tax return. withdraw in check - bank does not seem to report it. Is this cor... |
What exchange rate does El Al use when converting final payment amount to shekels? | The rate for "checks and transfers" is set by each bank multiple times during the day based on the market. It is as opposed to the rate for "cash/banknotes", also set by each bank, and the "representative rate" (שער היציג) set by the Bank of Israel. These rates can be found on the websites of most banks. Here is Bank H... |
What can I replace Microsoft Money with, now that MS has abandoned it? | www.mint.com is a very good web site that can upload your financial data from your bank and analyze it for you. Security concerns seem to have been addressed reassuringly. |
Technical Analysis not working | I would echo @Victor's comments. One book and 1000 web pages doesnt make you a good investor/trader. There are some basic things you should be aware of and read up on There are a few books that I would recommend I have been trading for over 10 years, my dad for over 30 years and we are both continually learning new thi... |
Missing 401(k) dividends | Your investment is probably in a Collective Investment Trust. These are not mutual funds, and are not publicly traded. I.e. they are private to plan participants in your company. Because of this, they are not required* to distribute dividends like mutual funds. Instead, they will reinvest dividends automatically, incre... |
Withdraw funds with penalty or bear high management fees for 10 years? | Most financial "advisors" are actually financial-product salesmen. Their job is to sweet-talk you into parting with as much money as possible - either in management fees, or in commissions (kickbacks) on high-fee investment products** (which come from fees charged to you, inside the investment.) This is a scrappy, cu... |
Which practice to keep finances after getting married: joint, or separate? | My wife and I maintain seperate accounts. We have the bills split between us so that certain bills are paid by one of us, and other bills by the other. This is not a perfect 50/50 split as we don't make the same amount of money, but comparable enough that neither feels like they're doing all the bills alone. Our invest... |
How to share income after marriage and kids? | I started out thinking like you but I quickly realised this was a bad approach. You are a team, aren't you? Are you equals or is one of you an inferior of lower value? I think you'll generate more shared happiness by acting as a team of equals. I'd pool your resources and share them as equals. I'd open a joint account ... |
Shared groceries expenses between roommates to be divided as per specific consumption ratio and attendance | I asked how often grocery purchases are made in a comment, but I'm going to assume weekly for simplicity. If a roommate is present during the week following a grocery purchase, then they owe a share according to their preferences as you outlined them above. You will have to track the grocery cost by category for that w... |
Figuring out an ideal balance to carry on credit cards [duplicate] | I think this advice to carry a balance each month is nonsense. You're just wasting money that way. Personally, I have always paid off my credit cards every month for as long as I can remember, and my credit score is only 8 points below the max. The bigger factors by far are: It might be good advice to charge a small... |
Are lottery tickets ever a wise investment provided the jackpot is large enough? | Lotteries are like the inverse of insurance policies. Instead of paying money to mitigate the impact of an unlikely event which is extremely negative, you are paying money to obtain a chance of experiencing an unlikely event which is extremely positive. One thing to keep in mind regarding lotteries is the diminishing m... |
Shares Canceled after Merger | It seems like this was a "stock for stock" transaction. That is, your company was acquired, not for cash, but for the stock of Company X in a deal that your company's board of directors "signed off" on. Your company no longer exists, and that's why your stock was cancelled. The acquirer will be sending you an equivale... |
When a Company was expected and then made a profit of X $ then that X$ increased it's share price. or those the Sellers and Buyers [duplicate] | There are a few reason why share prices increase or decrease, the foremost is expectation of the investors that the company/economy will do well/not well, that is expectation of profit/intrinsic value growth over some time frame (1-4 qtrs.)there is also demand & supply mismatch over (usually) short time. If you really ... |
Is it bad practice to invest in stocks that fluctuate by single points throughout the day? | Yes. There are several downsides to this strategy: You aren't taking into account commissions. If you pay $5 each time you buy or sell a stock, you may greatly reduce or even eliminate any possible gains you would make from trading such small amounts. This next point sounds obvious, but remember that you pay a commissi... |
Can you explain the mechanism of money inflation? | Your question asks about the mechanism of money inflation - not price inflation. Money inflation occurs when new money is introduced into an economy. The value of money is subject to supply and demand like other items in the economy. The effects of new money can be difficult to predict. One of the results of additi... |
Is it OK to use a credit card on zero-interest to pay some other credit cards with higher-interest? | I am sure everyone is different, but it has helped me a great deal. I have had several card balances go up and the interest on those per month was more than $200 in just interest combined. I transferred the balances over to 0% for 15 months – with a fee, so the upfront cost was about $300. However, over the next 15 mo... |
Warren and it's investments [duplicate] | If I were in your shoes I would concentrate now on investing in yourself. Your greatest wealth building tool is your income. Going to school is great, make sure you can finish. Also is there additional coursework you can obtain that might help boost your salary? I would look for course in the following areas that m... |
Why does a stock's price fluctuate so often, even when fresh news isn't available? | Investors are "forever" comparing the prices of stocks to other stocks. As others have pointed out, this is done faster and more frequently nowadays with high-speed computer programs. There may be no "fresh" news on stock A, but if there is fresh news on stock B (as there usually is), the news on B affects the COMPARIS... |
What is market capitalization? [duplicate] | Market capitalization is one way to represent the value of the company. So if a company has 10 million shares, which are each worth $100, then the company's market capitalization is 1 billion. Large cap companies tend to be larger and more stable. Small cap companies are smaller, which indicates higher volatility. So i... |
Is it unreasonable to double your investment year over year? | Yes, because you cannot have an exponential growth rate that is faster than the rate at which the economy grows on the long term. 100% growth is much more than the few percent at which the economy grows, so your share in the World economy would approximately double every year. Today the value of all the assets in the W... |
Should market based health insurance premiums be factored into 6 months emergency fund savings? | Yes factor into your fund the cost of health insurance. You basically have three options when facing a loss of income for 3-6 months: Pre-ACA the COBRA one was the default option many planned for because there was no need to change doctors. Of course many people were shocked how expensive it was compared to just looki... |
Why are Rausch Coleman houses so cheap? Is it because they don't have gas? | Not only are they high volume but also most finish materials are very basic. For example lighting fixtures, most builders put ceiling fans in all bedrooms ($75) where Rausch coleman uses a flush mount ($15) in the spare bedrooms. Same with flooring they use a vinyl plank where most builders use wood. This can be $1sqf... |
What is the rationale behind stock markets retreating due to S&P having a negative outlook on the USA? | If you spoke in front of a group of people in 2001 about the possibility of be lowered, you would be written off as a kook. Now S&P is talking about a negative credit outlook -- scary stuff. It's scary because a base assumption in any risk model is that US Treasury debt is utterly reliable and comes with zero default r... |
Automate Savings by Percentage on varying paychecks? | You just need to average out the weekly hours and income over the year. So if his yearly income is $100,000 p.a. then this would average out to $2000 per week of which 15% would be $300 per week. It does not have to be exactly 15% per week as long as over the long run your saving your target 15%. If he gets a pay rise ... |
Does a US LLC owned by a non-resident alien have to pay US taxes if it operates exclusively online? | Since as you say, an LLC is a pass-through entity, you will be making income in the U.S. when you sell to U.S. customers. And so you will need to file the appropriate personal tax forms in the US. As well as potentially in one or more States. The US government does not register LLCs. The various States do. So you'... |
$200k in an IRA, unallocated. What's the safest investment? | Define "risk-sensitive": The point is, define Your risk, and your choices will narrow. Some investors worry more about what next months statement will show & lose sleep over it; some investors do not want to miss the average historical rates of return for equities (stocks) and are willing to tolerate fluctuations in mo... |
Approach to share options in the UK | I'm in the US, so there may be idiosyncrasies with UK taxes that I'm not familiar with, but here's how I've always treated stock I get as compensation. Suppose the vested shares are worth X. If I had X in cash, would I buy my company's stock as an investment? Usually the answer is no, not because I think the stock ... |
If a company has already IPO'ed and sold its shares, what is the incentive to keep making money? | Because people bought their shares under the premise that they would make more money and if the company completely lied about that they will be subject to several civil and criminal violations. If people didn't believe the company was going to make more money, they would have valued their shares lower during the IPO by... |
The Benefits/Disadvantages of using a credit card | never carry a balance on a credit card. there is almost always a cheaper way to borrow money. the exception to that rule is when you are offered a 0% promotion on a credit card, but even then watch out for cash advance fees and how payments are applied (typically to promotional balances first). paying interest on daily... |
Why do stock or commodity prices sometimes rise suddenly just before market close? | This is often the case where traders are closing out short positions they don't want to hold overnight, for a variety of reasons that matter to them. Most frequently, this is from day traders or high-frequency traders settling their accounts before the markets close. |
I spend too much money. How can I get on the path to a frugal lifestyle? | Use software that calculates your net worth and track it over time. I track my personal finances in Mint, and I love checking my net worth every week. It's turned into a kind of competition with myself... It's like keeping track of how fast you run a 5k, or how many pounds of weight you've lost. It helps you determine... |
At what point do index funds become unreliable? | As more actively managed funds are driven out of the market, the pricing of individual stocks should become less rational. I.e. more stocks will become underpriced relative to their peers. As stock prices become less rational, the reward for active investing will increase, since it will become easier to "pick a winner"... |
Should I file taxes or Incorperate a personal project? | Normally, incorporation is for liability reasons. Just file your taxes as a business. This just means adding a T2125 to your personal return. There's no registering, that's for GST if over a certain threshold. There's even a section in the instructions for internet businesses. http://www.cra-arc.gc.ca/E/pub/tg/t4002... |
In the stock market, why is the “open” price value never the same as previous day's “close”? | A stock's price does not move in a completely continuous fashion. It moves in discrete steps depending on who is buying/selling at given prices. I'm guessing that by opening bell the price for buying/selling a particular stock has changed based on information obtained overnight. A company's stock closes at $40. Overn... |
Comparing/reviewing personal health insurance plans for the self-employed | Here's an old-ish article from the NYT that discusses this. |
Are 'no interest if paid in in x months' credit cards worth it? | It has been reported in consumer media (for example Clark Howard's radio program) that the "no interest for 12 months" contracts could trick you with the terms and the dates on the contract. Just as an example: You borrow $1000 on 12/1/2013, same as cash for 12 months. The contract will state the due date very clearly... |
Why do governments borrow money instead of printing it? | Governments borrowing money doesn't create new money. When banks "borrow" money (i.e. take deposits), it does effectively create money because the depositor expects to be able to get the money back at any time, but the bank assumes that most won't actually do this and lends out most of the money to other people. If eve... |
Carry-forward of individual losses, with late-filed past taxes [US] | Is Jim right to be worries? Yes, since the statute of limitations for refunds for 2012 is close and he might lose any tax refunds he might be entitled to for that year. Also, the pattern itself may raise some flags of suspicion and trigger audits, both because of such a variance in income and because of the medical exp... |
If you want to trade an equity that reflects changes in VIX, what is a good proxy for it? | I'd look at VXX, I believe it closely tracks what you are looking to do. http://www.ipathetn.com/product/VXX/ However, as already noted in other responses, this isn't trading VIX itself (in fact it is impossible to do so). Instead, this ETF gives exposure to short-term SP500 futures contracts, which in theory should b... |
Will a credit card issuer cancel an account if it never incurs interest? | Speaking from personal experience: I have had a credit card canceled for exactly this reason. It's happened to me three times, with two different providers (NatWest and Nationwide). After the third instance I stopped bothering to even carry a credit card. It's worth noting that all three were "free" cards in the sense ... |
Why does a stock price drop as soon an I purchase several thousand shares at market price? | Unless you are buying millions of dollars worth of a stock at a time, your transaction is a drop in the bucket, unlikely to have any noticable effect on the stock price. As Ian says, it's more likely that you are just remembering the times when the price dropped after you bought. If you keep careful track, I suspect yo... |
Must a company have a specific number of employees to do an IPO? | While there is no legal reason to have a minimum number of employees, there can be a practical reason. They want to look like a good solid investment so that investors will give them money, which is what an IPO is, really. Hiring lots of people is part of that. Once the investors are committed, they can cut expenses... |
Why do people buy stocks that pay no dividend? | There are many stocks that don't have dividends. Their revenue, growth, and reinvestment help these companies to grow, and my share of such companies represent say, one billionth of a growing company, and therefore worth more over time. Look up the details of Berkshire Hathaway. No dividend, but a value of over $100,0... |
How do online referal systems work? | Yeah, I'll take the challenge...:) How trustworthy these are and what are their sources of income? These are in fact two separate questions, but the answers are related. How trustworthy? As trustworthy as they're clear about their own sources of income. If you cannot find any clue as to why, what for and how they're pa... |
Pay online: credit card or debit card? | One more thing to favor the card. Extended warranty, or damage coverage. An iPad, if dropped on a hard surface, stands a good chance of breaking. Apple isn't going to cover that, as it's not a defect. Many credit cards offer free coverage for breakage of this type as well as doubling the warranty up to a year. This sec... |
Higher auto insurance costs: keep car or switch to public transit? | Looking at your numbers, I would definitively consider selling the car, and use the public transportation instead. You could easily save $450 month, plus gas and maintenance. As you mentioned, public transportation will be only a fraction of this amount, so you might end up saving around $400 monthly. If you decide to ... |
Conservative ways to save for retirement? | I'd say that because you are young, even the 'riskier' asset classes are not as risky as you think, for example, assuming conservatively that you only have 30 years to retirement, investing in stocks index might be a good option. In short term share prices are volatile and prone to bull and bear cycles but given enough... |
Should I pay off my mortgage, begin retirement savings, or build my emergency fund? | Welcome to Money.SE. I will say upfront, Personal Finance is just that, personal, and you are likely to get multiple, perhaps conflicting, answers. Are you sure the PMI will drop off after 2 years? The rules are specific, and for PMI, when prepayments put you at that 78/80% LTV, your bank can require an appraisal, not ... |
Are there any risks from using mint.com? | Mint.com uses something called OFX (Open Financial Exchange) to get the information in your bank account. If someone accessed your mint account they would not be able to perform any transactions with your bank. All they would be able to do is view the same information you do, which some of it could be personal <- that'... |
What's are the differences between “defined contribution” and “defined benefit” pension plans? | In short, defined contribution plans yield different amounts of return based on the market whereas defined benefit plans yield predetermined amounts defined based on factors such as salary and years of service. |
Making a big purchase over $2500. I have the money to cover it. Should I get a loan or just place it on credit? | I would not be concerned about the impact to your credit rating. You already have an excellent credit score, and the temporary change to your utilization will have minimal impact to your score. If you really need to make this $2500 purchase and you have the money in the bank to pay for it, I would not recommend borrow... |
What choices should I consider for investing money that I will need in two years? | Books such as "The Pocket Idiot's Guide to Investing in Mutual Funds" claim that money market funds and CDs are the most prudent things to invest in if you need the money within 5 years. More specifically: |
In the UK, could low-income pensioners (or those near a low-income retirement) find a student loan useful for boosting their finances? | In theory - Yes. So as long as someone will accept you as a (very) mature student, you plan to never earn over 21k a year for the next 30 years (no longer wiped out at 65), you could get a loan, slightly unethically (unless you fancy doing the course). Also if you did have to start paying it back - since interest rates... |
Does 83(b) cause a tax liability when exchanging startup stock for public stock? | I was told by the lawyers there was no tax consequence because the two numbers were the same. That is correct. However, a tax professional tells me that since the start-up stock was "realized" there invokes a taxable event now. That is correct. I'm now led to believe I owe cap-gains tax on the entire 4 year vest ... |
Which account type to use for claimable expense I pay upfront for my employer? | I used Quicken, so this may or may not be helpful. I have a Cash account that I call "Temporary Assets and Liabilities" where I track money that I am owed (or that I owe in some cases). So if I pay for something that is really not my expense, it is transferred to this account ("transferred" in Quicken terms). The pay... |
Cost basis allocation question: GM bonds conversion to stock & warrants | I found additional evidence on TDAmeritrade's website that helps confirm that the 3/17/11 prices Jason found are the ones to use since all three were traded on that day. Although GM+A had prices and trading as early as 2/28/11, GM+B's price and trading shows up no earlier than 3/14/11, but there was no trading indicat... |
Net loss not distributed by mutual funds to their shareholders? | When you invest (say $1000) in (say 100 shares) of a mutual fund at $10 per share, and the price of the shares changes, you do not have a capital gain or loss, and you do not have to declare anything to the IRS or make any entry on any line on Form 1040 or tell anyone else about it either. You can brag about it at par... |
Is there a limit on the dollar amount of a personal check? | Like the old American Express commercial: "no preset spending limit". It is really up to the bank(s) in question how big a cheque they are willing to honour. A larger amount would likely be held longer by a receiving institution to ensure that it cleared properly, but nothing written in law (in Canada, that I am aware ... |
Borrowing money to buy shares for cashflow? | Maybe a bit off topic, but I suggest reading "Rich Dad Poor Dad" by Robert Kiyosaki. An investment is something that puts money to your pocket. If your properties don't put money to your pocket (and this seems to be the case), then they're not an investment. Instead, they drain money from you pocket. Therefore you shou... |
Will paying off my car early hinder my ability to build credit? | 1) How long have you had the car? Generally, accounts that last more than a year are kept on your credit report for 7 years, while accounts that last less than a year are only kept about 2 years (IIRC - could someone correct me if that last number is wrong?). 2) Who is the financing through? If it's through a used ca... |
Insurance company sent me huge check instead of pharmacy. Now what? | Checks are awesome things in that, even if it gets lost the money doesn't change hands until the check is cashed. I would highly recommend NOT signing a check over and putting it in the mail though. Essentially putting your signature on it is saying yes, pay to whomever. Theoretically acceptable, rarely a good idea. Ca... |
Calculating the Free Cash Flow (FCF) | First, don't use Yahoo's mangling of the XBRL data to do financial analysis. Get it from the horse's mouth: http://www.sec.gov/edgar/searchedgar/companysearch.html Search for Facebook, select the latest 10-Q, and look at the income statement on pg. 6 (helpfully linked in the table of contents). This is what humans do... |
Credit and Debit | It took me a while to understand the concept, so I'll break it down as best as I can. There are three parts to the accounting equation: Assets = Liabilities + Owner's Equity We'll look at this in two ways 1. As a business owner you invest (say) 10,000 USD into your bank. The entry would be: Debit: Assets: Cash for 1... |
If the housing market is recovering, why would a REIT index ETF (e.g. VNQ) not be performing well? | To round out something that @Chris W. Rea pointed out, the business that a REIT is in will be either A) Equity REIT... property management, B) mortgage REIT... lending, or C) hybrid REIT (both). A very key point about why REITs broadly have been struggling lately, (and this would show up in the REIT indices/ETFs you'v... |
Avoid Capital Gains on Rental | Just brainstorming here, but my gut feeling is it should be possible to sell your home to yourself with the sole purpose of resetting your basis. Taken at face value it feels illegal, but since I think we all would agree that you could sell your house to a third party and purchase the identical house next door for the ... |
How do I manage my portfolio as stock evaluation criteria evolve? | Unfortunately I believe there is not a good answer to this because it's not a well posed problem. It sounds like you are looking for a theoretically sound criteria to decide whether to sell or hold. Such a criteria would take the form of calculating the cost of continuing to hold a stock and comparing it to the trans... |
How does shorting ETFs work? What are the costs and tax implications? | No, the expense ratio would be something you wouldn't be charged. If you bought shares of the ETF long, then the dividends are usually reduced by the expense ratio if you wanted to know where to find that charge in general. You would have to make up for any dividends the underlying stocks as part of general shorting si... |
total of all dividend payments for a particular company | No - there are additional factors involved. Note that the shares on issue of a company can change for various reasons (such as conversion/redemption of convertible securities, vesting of restricted employee shares, conversion of employee options, employee stock purchase programs, share placements, buybacks, mergers, ri... |
(Legitimate & respectable) strategies to generate “passive income” on the Internet? | The notion that you can put product on the web and sit back and watch the money roll in is a myth, plain and simple. If you put content on the web and expect people to pay money for your products (t-shirts, etc), you have to do the work to get your stuff seen by people, and preferably the right kind of people who will... |
What can cause rent prices to fall? | Sure! Anything that affects the balance of supply and demand could cause rent prices to fall. I'll betcha rent prices in Wilmington, Ohio collapsed when the biggest employer, DHL, shut down. An economic depression of any sort would cause people to substitute expensive rentals for cheaper ones, putting downward pressure... |
Help! I've cancelled their service, but this company continues to bill my credit card an annual fee. What can I do? | I don't think you should have to cancel your card. Call your customer service line and just indicate to them what has happened. You aren't getting service for what they are charging you and they are refusing to remove it themselves. |
Why do credit cards have minimum limits? | They have a minimum to discourage applications for that particular card. Every application costs them money because they have to pay the credit agencies to pull the applicant's credit history. So one way they save money and reduce their cost of business is to discourage people from applying if they're not creditworthy ... |
Does it make sense to buy a house in my situation? | I think your best course of action depends on the likely outcome of the divorce proceedings. The alimony/child support payments are controlled externally. I don't like to plan around things that I have no control over. In your shoes, I would probably avoid buying until things are settled down. |
On a debt collection agency's letter, what does “balance” refer to? | Without more info to go on (such as a screenshot of the relevant portion of the statement or what country you're in), I will run with the answer that "balance" is the amount the collection agency is attempting to collect from you, including any and all fees the agency may have added. One important idea to keep in mind ... |
ESPP in the UK - worth it? Disqualifying / qualifying sales? | ESPP is common among US companies, often with a framework similar to your outline. In the US, some ESPPs allow sales of shares to be considered qualifying (subject to capital gains rather than ordinary income tax) if they are sold at least 2 years after the enrollment date and at least 1 year after the purchase date. ... |
“International credit report” for French nationals? | I'm not aware that any US bank has any way to access your credit rating in France (especially as you basically don't have one!). In the US, banks are not the only way to get finance for a home. In many regions, there are plenty of "owner financed" or "Owner will carry" homes. For these, the previous owner will provid... |
Mitigate Effects Of Credit With Tangible Money | Genius answer: Don't spend more than you make. Pay off your outstanding debts. Put plenty away towards savings so that you don't need to rely on credit more than necessary. Guaranteed to work every time. Answer more tailored to your question: What you're asking for is not realistic, practical, logical, or reasonable. ... |
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