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What are the economic benefits of owning a home in the United States? | Altough this may vary a lot depending on where you live and your actual finance, here what convinced me buying a home instead of renting : Other benefits : |
Is there a widely recognized bond index? | The iShares Barclays Aggregate Bond - ticker AGG, is a ETF that may fit the bill for you. It's an intermediate term fund with annual expenses of .20%. It "seeks investment results that correspond generally to the price and yield performance, before fees and expenses, of the Barclays Capital U.S. Aggregate Bond Index" |
Are stores that offer military discounts compensated by the government? | Company X located outside a military base offer discounts to military as a form of marketing. They want to encourage a group of potential customers to use their store/service. In some cases they are competing with subsidized store on the base. In other cases their only competition is other stores outside the base. The ... |
Extended family investment or pay debt and save | I would suggest, both as an investor and as someone who has some experience with a family-run trust (not my own), that this is probably not something you should get involved with, unless the money is money you're not worried about - money that otherwise would turn into trips to the movies or something like that. If yo... |
understand taxes when geting money from a project built long time ago plus my full time job | You need to register as self-employed with HMRC (it is perfectly fine to be self-employed and employed by an employer at the same time, in exactly your kind of situation). Then, when the income arrives you will need to declare it on your yearly tax return. HMRC information about registering for self-employment and dec... |
Implications of receiving small amounts of money on the side | HMRC may or may not find out about it; the risks and penalties involved if they do find out make it unwise not to just declare it and pay the tax on it. Based on the fact you asked the question, I am assuming that you currently pay all your tax through PAYE and don't do a tax return. You would need to register for Self... |
How some mutual funds pay such high dividends | Look at their dividend history. The chart there is simply reporting the most recent dividend (or a recent time period, in any event). GF for example: http://www.nasdaq.com/symbol/gf/dividend-history It's had basically two significant dividends and a bunch of small dividends. Past performance is not indicative of fut... |
How to pick a state to form an LLC in? | There are very few circumstances where forming an out of state entity is beneficial, but a website is within these circumstances in certain instances. Businesses with no physical operations do not need to care what jurisdiction they are registered in: your home state, a better united state or non-united state. The "lim... |
Buy US ETF as foreigner — a bad idea? | A quick update for people finding this thread through Google. With the help of a few awesome Bogleheads, I compiled all the relevant research done into two Wiki articles: This includes comparing US to Irish domiciled ETFs, how to calculate tax withholding leakage and estate tax concerns. Hope you find this useful. |
Should I buy a home or rent in my situation? | First, let me mention that the reasons mentioned this far for renting are excellent ones. But, I disagree. Second, I would like to mention that I'm just a regular Joe, not an accountant, or a realtor. That said, I was in a similar situation not that long ago. I ended up renting, but I wish I hadn't. You should check ou... |
What happens to the insider trade profits? | You seem to have a little confusion over terminology that should be cleared up: You are calling this "day-trading" Day-trading is the term for performing multiple trading actions in a single day. While it appears that the COO has performed a buy and a sell on the same day, most people would consider this a 'single trad... |
Buying my first car out of college | Generally speaking, buying a fancy new car out of college is dumb. Buying a 3 year old flashy car with a 60 month loan is going to eat up your income, and when the thing starts breaking down, you'll get sick of buying $900 mufflers and $1,000 taillights pretty quickly. Buy a car that nobody wants for cheap and save up ... |
How companies choose earnings release dates, & effect on Implied Volatility | I can't speak authoritatively to your broader question about stocks in general, but in several years tracking AAPL closely, I can tell you that there's little apparent pattern to when their earnings call will be, or when it will be announced. What little I do know: - AAPL's calls tend to occur on a Tuesday more than a... |
Are social media accounts (e.g. YouTube, Twitter, Instagram, etc.) considered assets? | Assets with zero value, perhaps. Unless you can prove that they have resale value. Good luck with that. In other words, not worth spending time on. |
Importance of dividend yield when evaluating a stock? | Dividends yield and yield history are often neglected, but are very important factors that you should consider when looking at a stock for long-term investment. The more conservative portion of my portfolio is loaded up with dividend paying stocks/MLPs like that are yielding 6-11% income. In an environment when deposit... |
Inverse Relationship between Volatility and Beta | For any isolated equity market, its beta will less resemble the betas of all other interconnected equity markets. For interconnected markets, beta is not well-dispersed, especially during a world expansion because richer nations have more wealth thus a dominant influence over smaller nations' equity markets causing a ... |
effect of bond issue on income statement | No, it would not show up on the income statement as it isn't income. It would show up in the cash flow statement as a result of financing activities. |
What are the financial advantages of living in Switzerland? | Some of the advantages of Switzerland: Not everything is about money. |
How do insurance funds work? | What is a 403b? A 403(b) plan is a tax-advantaged retirement savings plan available for public education organizations, some non-profit employers (only US Tax Code 501(c)(3) organizations), cooperative hospital service organizations and self-employed ministers in the United States. Kind of a rare thing. A bit more here... |
Should I collect receipts after paying with a card? | It is probably safe to throw away the receipt. Without a system to process and store receipts, they are of little use. With regards to personal finances I'm guilty of preaching without practicing 100% of the time, but here are some arguments for keeping receipts. To reconcile your statement to receipts before paying t... |
Pay team mates out of revenues on my name | Can I deduct the money that I giving to my team mates from the taxes that I pay? If yes, how should I record the transaction? Why? Why are you giving money to your team mates? That's the most important question, and any answer without taking this into account is not full. You would probably have to talk to a professi... |
Do marketmakers always quote a bid and ask simultaneously | Market makers (shortened MM) in an exchange are generally required to list both a bid and ask price to allow both buyers and sellers to trade and keep the market moving. However, a more general idea of a MM may includes companies off an exchange (say large banks acting as broker/dealers in an over-the-counter market) ... |
What do brokers do with bad stock? | For every seller, there's a buyer. Buyers may have any reason for wanting to buy (bargain shopping, foolish belief in a crazy business, etc). The party (brokerage, market maker, individual) owning the stock at the time the company goes out of business is the loser . But in a general panic, not every company is going t... |
Events that cause major movement in forex? | Anything related to the central bank will have a large impact, as they are the ones who determine interest rates, and interest rates have a big effect on currency flows. GDP is also important, as when there is an economic slowdown it may result in the central bank reducing rates to boost economic activity. The opposit... |
If a trendline or pattern breaks due to some bad news but it returns back what to do? | There is a technique called the Elliott wave which explains these 'shocks'. The reversal directions you are questioning are part of the pattern, it is known as corrections. The Elliott wave is an indicator based on psychology of investors. Think about it this way, if you see a huge up trend what are you most likely to ... |
Should I buy a home or rent in my situation? | MY recommendation is simple. RENT The fact that you have to ask the question is a clear sign that you have no business buying a home. That's not to say that it's a bad question to ask though. Far more important then rather it's finically wise for you to buy a home, is the more important question of "are you emotionall... |
How and where can I deposit money to generate future payments / income? | Reversing your math, I am assuming you have $312K to work with. In that case, I would simply shop around your local banks and/or credit unions and have them compete for your money and you might be quite surprised how much they are willing to pay. A couple of months ago, you would be able to get about 4.25% from Israel... |
Economics of buy-to-let (investment) flats | but the flat would be occupied all the time. Famous last words. Are you prepared to have a tenant move in, and stop paying rent? In the US, it can take 6 months to get a tenant out of the apartment and little chance of collecting back rent. I don't know how your laws work, but here, they do not favor the landlord. The... |
Can I claim GST/HST Input Tax Credits (ITCs) on Uber, taxi, or limousine fares? | The Canada Revenue Agency describes in detail here what information businesses must generally include on their invoices so that GST/HST registrants can claim Input Tax Credits (ITCs) for the expenses. Quote: Sales invoices for GST/HST registrants You have to give customers who are GST/HST registrants specific informa... |
value of guaranteeing a business loan | The standard goal of valuing anything is to seek the fair price for that thing in the open market. Depending on what is being valued, that may or may not be an easy task. eg: to value your home, get a real estate appraiser, who will look at recent market sales in your area, and adjust for nuances of your property. To v... |
How does giving to charity work? | Charitable donations can be deducted from your income, and in that way make your taxable income lower, hence lower taxes. That's the meaning of "tax deductible". As to "if I donate it then the money will be given right to the charity instead of spread out to many other places" - taxes are being used by the government b... |
How smart is it to really be 100% debt free? | If you can borrow for an asset that gives you income that's more than the cost of carrying the debt, then go for it. But the kinds of debts you have now aren't those kinds of debt, so get rid of them. |
New or Used Car Advice for Recent College Grad | Never buy a new car if cost is an issue. A big chunk of the price will disappear to depreciation as you drive it off the lot. If you want a shiny new car with the latest equipment (and if you can afford it!), buy a lightly-used car. Normally I would recommend a 1-3 year old car. 95% of the value, with a big cost saving... |
Is it sensible to redirect retirement contributions from 401(k) towards becoming a landlord? | With a healthy income its quite possible to contribute too much into 401Ks/IRAs. For example, if your retired today and had 3 million or so, how much more would you need? Would an extra million materially change your life? Would it make you happier if you invested that extra in some rental properties or perhaps a bu... |
What exactly is a “bad,” “standard,” or “good” annual raise? If I am told a hard percentage and don't get it, should I look elsewhere? | What makes a "standard" raise depends on how well the economy is doing, how well your particular industry is doing, and how well your employer is doing. All these things change constantly, so anyone who says, "a good raise is 5%" or whatever number is being simplistic. Even if true when he said it, it won't necessarily... |
Where can I lookup accurate current exchange rates for consumers? | I want to shop in the currency that will be cheapest in CAD at any given time. How do you plan to do this? If you are using a debit or credit card on a CAD account, then you will pay that bank's exchange rate to pay for goods and services that are billed in foreign currency. If you plan on buying goods and services f... |
Calculating Pre-Money Valuation for Startup | When the VC is asking what your Pre-Money Valuation is, he's asking what percentage of shares his $200,000 will buy. If you say your company is worth $800K, then after he puts the money in, it will be worth $1M, and he will own 20% of all shares – you'll still own the remainder. So when the VC is asking for a valuation... |
Historical company performance data | Morningstar has that 10 history at http://financials.morningstar.com/ratios/r.html?t=JNJ®ion=usa&culture=en-US |
Where should my money go next: savings, investments, retirement, or my mortgage? | As the others said, you're doing everything right. So, at this it's not a matter of what you should do, it's a matter of what do you want to do? What would make you the happiest? So, what would you like to do most with that extra money? The point is, since you're already doing everything right with the rest of your mo... |
Should a retail trader choose a broker with access to dark pools | That's like a car dealer advertising their "huge access" to Chevrolet. All brokers utilize dark pools nowadays, either their own or one belonging to a larger financial institution. Why? Because that's a primary source of broker income. Example: Under current US regulations the broker is under no obligation to pass ... |
Should I charge my children interest when they borrow money? | Going from personal experience, my parents let my brother and me borrow money from them all the time. However there was always some noteworthy things to take into account. As an example, I borrowed a large sum of money on my student loan (we will just say it was $50,000). I had saved nearly $30,000 on my own and my par... |
Is a fixed-price natural gas or electricity contract likely to save money? | I would argue: Because the company only offers you this if it can make money from it. What you are basically doing is betting against the company. |
Adjusting a value for inflation each month using rolling 12-monthly inflation figures | The actual increase in the cost of living for one month over the previous month cannot be calculated from the annualized increase in cost over the entire previous year. Consider the hypothetical case of a very stable economy, where prices stay constant for decades. Nevertheless, the authorities issue monthly statement... |
I am under 18 years old, in the US, my parents have terrible credit, how can I take out a loan? | I am 17 and currently have a loan out for a car. My parents also have terrible credit, and because I knew this I was able to get around it. Your co-signer on your loan does not have to be your parent, at least in Wisconsin, I used my grandmother, who has excellent credit, as my cosigner. With my loan, we had made it so... |
What's the difference between shares outstanding and regular shares? | outstanding shares are the shares(regular shares) that are still tradable in the market, where the firm in question is listed. The term is primarily used to distinguish from shares held in treasury(treasury stock), which have been bought back(buybacks) from the market and aren't currently tradable in the market. Wikipe... |
How to calculate interest payments without EBIT | The actual financial statements should always be referenced first before opening or closing a position. For US companies, they are freely available on EDGAR. Annual reports are called 10-Ks, and quarterly reports are called 10-Qs. YHOO and GOOG do a great job of posting financials that are quickly available, but money... |
Which US market indexes (Dow/DJIA, S&P500, NASDAQ) include reinvested dividends? | While the S&P500 is not a total return index, there is an official total return S&P500 that includes reinvested dividends and which is typically used for benchmarking. For a long time it was not available for free, but it can currently be found on yahoo finance using the ticker ^SP500TR. |
Are warehouse clubs like Costco and Sam's Club worth it? | We were members at costco, but decided not to renew. Meat was a definite cost savings, and laundry detergent as well. Diapers used to be a huge savings, but loblaws seems to be pricing things better now. We did by a bunch of Kirkland brand diapers and wipes before the membership ended. The problem we had was that yo... |
I have an extra 1000€ per month, what should I do with it? | What about getting the saving account - "Bausparen" (~100EUR/month) which you can later use for credit to get better mortgage deal and to buy a flat for renting to others (Anlegerwohnung)? |
What percent of your portfolio should be in a money market account? | I would disagree with your analysis. To me there are two purposes for a money market (MM): Your emergency fund should be from 3 to 6 months of expenses. Think of it of an insurance policy against Murphy. You may want to have some money designated for big expenses, or even sinking funds. For example, I keep some mon... |
Tracking Gold and Silver (or any other commodity investment) in Quicken 2010? | I would track it using a regular asset account. The same way I would track the value of a house, a car, or any other personal asset. ETA: If you want automatic tracking, you could set it up as a stock portfolio holding shares of the GLD ETF. One share of GLD represents 1/10 ounce of gold. So, if you have 5 ounces of... |
How do I figure out the market value of used books? | Half of original MSRP at Amazon is a good option for books that are in good condition. Another option would be to use eBay, specifically Half.com. |
Why do banks encourage me to use online bill payment? | It’s more convenient for both you and the bank; its much simpler to handle things electronically than it is to go through paperwork. Also, its eco-friendly and by saying that they care about the environment, banks earn brownie points with environmentally-conscious customers. |
Can a company stop paying dividends? | Yes. Companies increase, decrease, start paying and stop paying dividends when they think it appropriate. If a company has been going through some problems and makes a loss, or even a large decrease in profits, they can choose to stop paying dividends until things improve. Many companies did this during the Global Fin... |
Is it true that the price of diamonds is based on a monopoly? | diamonds are intrinsically worthless this is simply wrong. (1) Diamonds that are sold for anything less than, oh, let's say $5000 at original retail - are indeed utterly, totally, completely worthless. It is simply "one of the great scams". Their real "price" is maybe "five bucks". End of story. There is no secondary m... |
Should my husband's business pay my business? | I agree with some of the points of the other answers but why not avoid all the guesswork? I highly recommend you not charge him now. Wait until the end of the year when you have much more information about both of your companies and then you can run the numbers both ways and decide if it would benefit you (collectively... |
What's best investment option? Mutual fund or Property [duplicate] | nan |
Why would you ever turn down a raise in salary? | There are some student loan repayment programs and the like where, if a raise would bump you past a certain threshold, you become ineligible and are suddenly left holding the whole bag, or alternately the payoff for having your loans forgiven/repaid drops considerably. It can make financial sense to avoid crossing thos... |
Tenant wants to pay rent with EFT | I'd consider this offer. Keep in mind, any time you write a check, there's the information he's asking for. If it makes you feel comfortable, use the small balance account, or set up a 4th one you'll use for these incoming deposits only. |
Can I use an HSA to pay financed payments for LASIK? | From HSA Resources - I understand that I can reimburse myself from my HSA for qualified medical expenses that I pay out-of-pocket but is there a time limit? Do I need to reimburse myself in the same year? You have your entire lifetime to reimburse yourself. As long as you had your HSA established at the time the expen... |
How much life insurance do I need? | If I remember the information in "The Wealthy Barber" correctly, he said: And as someone once said to me, "make sure you're worth more alive than dead!" :-) |
Why Demat/Stock Market Brokers don't support Credit Card Payin | Most credit cards allow you to take "cash advances", but the fees and limits for cash advances are different than for regular purchases. You can buy stock after taking a cash advance from your credit card. When you make a cash advance, you normally pay the credit card company a fee. When you make a regular purchase, th... |
Why call option price increases with higher volatility | Let's say a stock trades at $100 right now, and you can buy a $100 call option. When you buy the call option (and the money you paid is gone), one of two things can happen: The share price goes up, or the share price goes down. If the share price goes up, you profit. If the share price goes down, you don't lose! Becau... |
Is it true that the price of diamonds is based on a monopoly? | De Beers is the company most cited as the near monopoly. They used to own a massive chunk of the diamond supply and intentionally restricted that supply to increase the price. In recent decades, new sources of diamonds have reduced the De Beers' singular grip. They still have a large share though. Video about this from... |
How to account for money earned and spent prior to establishing business bank accounts? | Funds earned and spent before opening a dedicated business account should be classified according to their origination. For example, if your business received income, where did that money go? If you took the money personally, it would be considered either a 'distribution' or a 'loan' to you. It is up to you which of ... |
What is meant by “unexpected expenses” in my 401k plan? | IANAL, but it sounds like indemnification language. They are saying they have the option to charge expenses to participants if they would like. It should say explicitly (you mention that it does) who the 'default payer' is. Unexpected expenses could be anything that's not in the normal course of business. I know that d... |
Is it really possible to get rich in only a few years by investing? | Yes, it's possible. However, it's not likely, at least not for most people. Earning a million is not that difficult, but when you talk about billions that's an entirely different story. I think the key point that you're missing is leverage. It's common knowledge that Warren Buffett likes to have a huge cash warchest at... |
Is there a legal deadline for when your bank/brokerage has to send your tax forms to you? | Many of the custodians (ie. Schwab) file for an extension on 1099s. They file for an extension as many of their accounts have positions with foreign income which creates tax reporting issues. If they did not file for extension they would have to send out 1099s at the end of January and then send out corrected forms. ... |
Ways to trade the Euro debt crisis | The way I am trading this is: I am long the USD / EUR in cash. I also hold USD / EUR futures, which are traded on the Globex exchange. I am long US equities which have a low exposure to Europe and China (as I expect China to growth significantly slower if the European weakens). I would not short US equities because E... |
Investing in real estate when the stock market is high, investing in stocks when it's low? | The right time to buy real estate is easy to spot. It's when it is difficult to get loans or when real estate agents selling homes are tripping over each other. It's the wrong time to buy when houses are sold within hours of the sign going up. The way to profit from equities over time is to dollar-cost average a divers... |
Does it make sense to buy a house in my situation? | I wouldn't buy a house at this time. Your credit card debt is the most expensive thing you have. Which is to say that you want to get rid of it as soon as possible. The lawyer isn't cheap, and your personal situation is not fully resolved. Congratulations on paying off the IRS, and getting up the 401k to 17.5k. Take c... |
How can the ROE on a stock be more than 100%? | An operating margin will not compare with ROE. If a company has even a small margin on a large turnover and has a comparative lower shareholder equity, it ROE will be much higher. One ratio alone can not analyse a company. You need a full set of ratios and figures. |
Using Loan to Invest - Paying Monthly Installments by Selling Originally Bought Shares | The market can stay irrational longer than you can remain solvent -John Maynard Keynes The stocks could stagnate and trade in a thin range, or decline in value. You assume that your stocks will offer you ANY positive return for every month over 24 months. Just one month of negative returns puts you underwater. Thats wh... |
Do Americans really use checks that often? | There are some people that still get an old-fashioned paycheck but for the most part if you are an employee at a company you get a paystub while the money is direct deposited into your accounts. Paying for stuff at a store with a check is not very common. Most people use credit cards for that purpose. A significant ... |
Do I need to prove 'Garage Sale' items incurred a loss | -Alain Wertheimer I'm a hobbyist... Most (probably all) of those older items were sold both prior to my establishing the LLC This is a hobby of yours, this is not your business. You purchased all of these goods for your pleasure, not for their future profit. The later items that you bought after your LLC was establish ... |
Tax implications of having some self-employment income? | Havoc P's answer is good (+1). Also don't forget the other aspects of business income: state filing fees, county/city filing fees, business licenses, etc. Are there any taxes you have to collect from your customers? If you expect to make more this year, then you should make estimated quarterly tax payments. The first... |
Is it better to pay an insurance deductible, or get an upgrade? | I'm going to guess you're on Verizon and your wife has an iPhone. I just went through this exact same situation with my mom's phone last week. When you're off contract with Verizon you're saving $25/month on your plan (at least, I am), so staying off contract is big. If you do the monthly payment you're paying full ret... |
Any difference between buying a few shares of expensive stock or a bunch of cheap stock | Open Google finance and divide the Market Capitalization by the total price. That will give you the total number of shares outstanding. Now see the number of shares you could buy for $1000(40 shares of $25 each or 10 shares of 100 shares each). Now divide the number of shares you own, by the number of shares outstandin... |
Should I finance a new home theater at 0% even though I have the cash for it? | Zero percent interest may sound great, but those deals often have extra margin built into the price to make up for it. If you see 0%, find it cheaper somewhere else and avoid the cloud over your head. |
Debt collector has wrong person and is contacting my employer | It's probably a scam or maybe some amateur agency trying to put pressure on their target. Normal garnishment goes through the court system. Just ignore it. Tell your employer they obviously have the wrong person since the SS is wrong. Suing clowns like this is not worth it. Just to clarify this some more for you: Tryi... |
Employer 401K thru Fidelity - Investment options | The best predictor of mutual fund performance is low expense ratio, as reported by Morningstar despite the fact that it produces the star ratings you cite. Most of the funds you list are actively managed and thus have high expense ratios. Even if you believe there are mutual fund managers out there that can pick invest... |
How long should I keep my tax documents, and why? | Unfortunately, my taxes tend to be complicated This. In and of itself, is a greater reason to keep the documents. The other answer offered a good summary, but keep in mind, if the IRS decides you fraudulently withheld claiming income, they can go back 7 years. I bought a rental property in 1987, and sold it in 2016. I... |
Is gold really an investment or just a hedge against inflation? | Gold is not an investment. Gold is a form of money. It and silver have been used as money much longer than paper. Paper money is a relatively recent invention (less than 350 years old) with a horrible track record of preserving wealth. When I exchange my paper US dollars for gold I'm exchanging one form of money fo... |
Equity market inflow meaning | If for every buyer, there's a seller, doesn't that also mean that there were $25B in outflows in the same time period? Yes for every buyer there is a seller. The inflows are not being talked in that respect. about there being $25B in inflows to US equity markets since the election...what does that mean? Lets say the in... |
How Does A Special Memorandum Account Work | Here is another explanation of an SMA. SMA refers to the Special Memorandum Account which represents neither equity nor cash but rather a line of credit created when the market value of securities in a Reg. T margin account increase in value. For example, assume the market value of securities purchased at a cost of $... |
Mortgage refinancing | First, check with your lender to see if the terms of the loan allow early payoff. If you are able to payoff early without penalty, with the numbers you are posting, I would hesitate to refinance. This is simply because if you actually do pay 5k/month on this loan you will have it paid off so quickly that refinancing w... |
Should I use Mint.com? Is it secure / trusted? [duplicate] | So could someone working at your bank directly. Of at your HR department at work. Most of the wait staff at the restaurant I ate at technically had access to my credit card and could steal money. While you are at work, someone could break into your house and steal your stuff too. The point is, Mint and everything el... |
My friend wants to put my name down for a house he's buying. What risks would I be taking? | Both of you sit down with a lawyer who practices in real estate and foreclosures, and hash out every single possibility of what could conceivably go wrong, with nothing out of bounds. Come up with a reasonable and fair plan for resolving each situation, that you are willing to commit to, life and breath, for real, no ... |
Buying non-qualified employee stock options that are going to expire? | Options granted by an employer to an employee are generally different that the standardized options that are traded on public stock option exchanges. They may or may not have somewhat comparable terms, but generally the terms are fairly different. As a holder of an expiring employee option, you can only choose to exer... |
Does SIPC protect securities purchased in foreign exchanges? | I have received a response from SIPC, confirming littleadv's answer: For a brief background, the protections available under the Securities Investor Protection Act ("SIPA"), are only available in the context of a liquidation proceeding of a SIPC member broker-dealer and relate to the "custody" of securities and r... |
What is the “Short sale circuit breaker rule”? | Summary: The phrase "short sale circuit breaker" rule normally refers to the SEC's recent adoption of a new version of the uptick rule. The new uptick rule triggers a ban on short selling when the stock drops a certain amount. The SEC defines the process like this: The "circuit breaker" is triggered for a security any ... |
How to share income after marriage and kids? | I won't answer in a detailed manner because most people at this site like answers with certain bias' on these questions, like pool resources always relative to which partner is asking. If you follow the above advice, you are hoping things work out. Great! What if they don't? It will be very messy. Unlike most of m... |
Real Estate: Please review my recent investment (with numbers from recent purchase) | You question is a bit scary to me. You show $2100 rent, and let's even assume that's 100%, i.e. never a vacancy. (Rule of thumb is 10% vacancy. Depending on area, a tenant may stay a year, but when they leave, you might need to have a bit of maintenance and miss 2 months rent) You count the mortgage and taxes, and are ... |
Should one invest in smaller valued shares in higher amounts, or higher valued shares in smaller amounts? | Short answer: No, it only matters if you want to use covered calls strategies. The price of a share is not important. Some companies make stock splits from time to time so that the price of their shares is more affordable to small investors. It is a decision of the company's board to keep the price high or low. More im... |
Am I “cheating the system” by opening up a tiny account with a credit union and then immediately applying for a huge loan? | Credit unions require you to open an account because of their history. A credit union is just that: a union. Only instead of a union of workers collectively bargaining for better pay or worker's comp, they are lending each other money. They are chartered to offer their services to members of the union, rather than the ... |
Are there common stock price trends related to employee option plans? | Say I am an employee of Facebook and I will be able to sell stares at enough of a profit to pay of my mortgage and have enough money left to cover my living costs for many years. I also believe that there is a 95% chance that the stock price will go up in the next few years. Do I take a 5% risk, when I can transform my... |
If I exercise underwater ISOs, can I claim a loss? | If you do this, you own a stock worth $1, with a basis of $2. The loss doesn't get realized until the shares are sold. Of course, we hope you see the stock increase above that price, else, why do this? |
Are online mortgage lenders as good as local brick-and-mortar ones? | I had a pretty good experience with Lending Tree, although they are a mortgage broker, not a lender themselves. |
Is 0% credit card utilization worse than 1-20% credit card utilization for any reason other than pure statistics? | This question has been absolutely perplexing to me. It has spawned a few heated debates amongst fellow colleagues and friends. My laymen understanding has provided me with what I believe to be a simple answer to the originator's question. I'm trying to use common sense here; so be gentle. FICO scores, while very comp... |
How to invest in a currency increasing in value relative to another? | The increase of currency value in relation to another is a critical determinant of the economic health. It plays an important part in the level of trade and affects the world’s free market economy. But, they also effect on smaller scale as they create an impact on the portfolio of investors. So, it is suggested that th... |
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