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Tax intricacies of MLP in a Roth IRA | You seem to have it right. Unless you have a big position, having MLP shares in your IRA will not cause you any tax hassles. Your IRA will get a Schedule K from the MPL (which may be mailed to you), but you won't need to do anything with that unless you're over the UBI limit. Last I checked, that was $1000, and you ... |
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. |
Filing taxes on stocks | Generally stock trades will require an additional Capital Gains and Losses form included with a 1040, known as Schedule D (summary) and Schedule D-1 (itemized). That year I believe the maximum declarable Capital loss was $3000--the rest could carry over to future years. The purchase date/year only matters insofar as t... |
Will I be able to purchase land? | If there is land for sale, you can buy it. The United States doesn't have many restrictions on the purchase of land. However, you need to be able to afford it. Dependent on where you are looking $20,000 can either be a lot or very little land, I suspect that the question you were looking to ask is 'can I afford it?'. H... |
W2 vs 1099 Employee status | Another thing to consider, however, is the deductibility of business expenses. Let's assume that the employer can legitimately hire you as a 1099 contractor. (Would you be able to telecommute? Would you have a high degree of control over when you worked and when you didn't? These factors also affect whether you're a... |
Wage earners of age ≥ 60 with dependents: What Life Insurance, if any, should they buy? | Without knowing the WSC's objectives, priorities of those objectives and affordability we cannot determine which type of insurance is best. Life insurance for seniors is very expensive if you examine the per unit cost (e.g. cost per $1000 of death benefit). Therefore affordability is a critical deciding factor for WSC.... |
Personal Loan: How to define loan purpose | Does that justify the purpose? That is for individual Banks to decide. No bank would pay for daily expenditure if you are saying primary salary you are spending on eduction. So your declaration is right. You are looking at funding your eduction via loan and you are earning enough for living and paying of the loan. I no... |
Is there such thing as a Checking account requiring pre-approval / white-list? | I don't believe there is such a process. My observation (i.e. my opinion) is that banks will have a level of security walls appropriate to the cost vs risk they experience. Since as Frazell says, your liability is limited for this type of fraud, you personally bear little if any risk. If this fraud were common enough... |
Can a credit card company raise my rates for making a large payment? | Short answer: No, not normally. Long Answer: It depends on the contract. If the 14% is some sort of special offer, with conditions, then if you violate those conditions, they can jack you up to whatever the 'normal' rate is. But outside of that condition, I can't see any reason why they would wish to penalize you fo... |
Why I cannot find a “Pure Cash” option in 401k investments? | This situation, wanting desperately to have access to an investment vehicle in a 401K, but it not being available reminds me of two suggestions some make regarding retirement investing: This allows you the maximum flexibility in your retirement investing. I have never, in almost 30 years of 401K investing, seen a pure... |
Are those “auto-pilot” programs a scam or waste of time? | These have been around for decades. In the 80's and 90's they had you setup small ads in local newspapers and you would sell a brochure tells people how to make money, or solve some other problem. The idea was that money would roll in. The more ads you placed the more money you made. In the late 90's they had you setup... |
Tenant wants to pay rent with EFT | In Britain it's standard practice to use an electronic bank transfer, otherwise known as a "standing order" for the monthly rent payment. Many letting agents insist on it here in Britain. It's rare to hear of fraud. It is possible to setup a Direct Debit with the account numbers, as happened in a famous case where Jere... |
I bought a new car for a month and wanted to return it | Following up on @petebelford's answer: If you can find a less expensive loan, you can refinance the car and reduce the total interest you pay that way. Or, if your loan permits it (not all do; talk to the bank which holds the loan and,/or read the paperwork you didn't look at), you may be able to make additional paymen... |
Is it a good practice to keep salary account and savings account separate? | I live in the UK so it's a little different but generally you'd have one account (a current account) which would have a Visa/MasterCard debit card associated before working and any high street bank (don't know what the US equivalent would be, but big banks such as HSBC/Santander) will offer you a savings account which ... |
401K - shift from agressive investment to Money Market | If you look at history, it shows that the more people predict corrections the less was the chance they came. That doesn't prove it stays so, though. 2017 is not any different than other years in the future: Independent of this, with less than ten years remaining until you need to draw from your money, it is a good idea... |
Does this sound like a great idea regarding being a landlord and starting a real estate empire? | I have done something similar to this myself. What you are suggesting is a sound theory and it works. The issues are (which is why it's the reason not everyone does it) : The initial cost is great, many people in their 20s or 30s cannot afford their own home, let alone buy second properties. The time to build up a p... |
ETF holding shares in itself | Lindsell Train Investment Trust could be different than the "Lindsell Train Limited", the company that runs the fund and thus you are mixing apples and oranges here since the bank isn't a listed stock. |
Why is auto insurance ridiculously overpriced for those who drive few miles? | Not all miles carry the same amount of risk. A survey by Progressive indicated that accidents are most likely to occur within 5 miles of home, and 77% of accidents occur within 15 miles of home. Only 1% of accidents occurred 50 or more miles from home. That's from 2002, but it seems unlikely to have changed much. Since... |
First job: Renting vs get my parents to buy me a house | Having recently been given basically the same question it hinges on a few major factors. What does your apartment provide (e.g. heating, internet/etc)? My (personal) example. With my numbers (which includes taxes, insurance estimates, minor repairs to home as needed), also ignoring all costs that are shared (e.g. food,... |
Should I have more than one brokerage account? | I use two different brokerages, both well-known. I got a bit spooked during the financial crisis and didn't want to have all my eggs in one basket. The SIPC limits weren't so much a factor. At the time, I was more worried about the hassle of dealing with a Lehman-style meltdown. If one were to fail, the misery of waiti... |
Insurance company sent me huge check instead of pharmacy. Now what? | You mentioned depositing the check and then sending a personal check. Be sure to account for time, since any deposit over $10,000 the money will be made available in increments, so it may take 10-14 days to get the full amount in your account before you could send a personal check. I would not recommend this option reg... |
Does U.S. tax code call for small business owners to count business purchases as personal income? | Expenses are where the catch is found. Not all expenditures are considered expenses for tax purposes. Good CPAs make a comfortable living untangling this sort of thing. Advice for both of your family members' businesses...consult with a CPA before making big purchases. They may need to adjust the way they buy, or t... |
Is socialtrend.com or/and feelthetrend.com legitimate? | It's called a "Pyramid scheme". Its illegal in almost every country of the Western world. You're not going to earn lifetime income, of course, and these things collapse pretty quickly. Most of the "common folks" don't return the investment, its the organizers who take the money. Sometimes they run, most times they end ... |
Does the stock market create any sort of value? | It's not a ponzi scheme, and it does create value. I think you are confusing "creating value" and "producing something". The stock market does create value, but not in the same way as Toyota creates value by making a car. The stock market does not produce anything. The main way money enters the stock market is through ... |
How does one determine the width of a candlestick bar? | There's no rule of thumb but the purpose of candlesticks of any kind (fixed, volume weighted etc.) is to display the intra-period price action. So if you'd fit 3 years worth of 1 minute bars on a chart, candlesticks become useless and you might as well use a line chart. |
Please explain the relationship between dividend amount, stock price, and option value? | There are a few reason why the stock price decreases after a dividend is paid: What's the point of paying a dividend if the stock price automatically decreases? Don't the shareholders just break even? Companies have to do something with their profits. They beholden to their shareholders to make them money either by in... |
401(k) Investment stategies | Ending up with nothing is an unlikely situation unless you invest 100% in a company stock and the company goes under. In order to give you a good answer we need to see what options your employer gives for 401k investments. The best advice would be to take a list of all options that your employer allows and talk with a ... |
What risks are there acting as a broker between PayPal and electronic bank transfers? | This sounds like a scam. Did they email you out of the blue to offer you this 'job', by any chance, and you'd never heard of them before? That's an incredibly large red flag in and of itself. While I don't know quite what the scam is likely to be, here's how I would suggest it might work: Other variants are possible - ... |
Why do car rental companies prefer/require credit over debit cards? | I have looked at the conditions of a car rental company, and I believe it provides the answers: Upon pick up of your vehicle, you must present a valid credit card (*) used to make the booking and which must be in the driver´s name. If you do not have a valid credit card we will accept your debit card when you pic... |
Taxes on selling stock | You can keep the cash in your account as long as you want, but you have to pay a tax on what's called capital gains. To quote from Wikipedia: A capital gain is a profit that results from investments into a capital asset, such as stocks, bonds or real estate, which exceeds the purchase price. It is the difference betwee... |
Determine share price from S-1 for company that was bought before going public | To add to @keshlam's answer slightly a stock's price is made up of several components: the only one of these that is known even remotely accurately at any time is the book value on the day that the accounts are prepared. Even completed cashflows after the books have been prepared contain some slight unknowns as they m... |
F-1 student investing in foreign markets | You cannot have off-campus employment in your first year, but investments are considered passive income no matter how much time you put into that effort. Obviously you need to stay enrolled full-time and get good enough grades to stay in good standing academically, so you should be cautious about how much time you spen... |
Is a fixed-price natural gas or electricity contract likely to save money? | I have some numbers to share that may help. I've been tracking my home's natural gas consumption in a spreadsheet for years. Much of that time I'd only been interested in the quantity used – to measure my home's efficiency after certain upgrades – but in 2006 I also started tracking the "Gas Supply Charge" costs from... |
Investing $50k + Real Estate | I have been on the same boat as you are right now. So basically, it depends on your goals, risk tolerance, upcoming life events! You want a plan not just for this particular 50K, but for your household assets and future earnings to come! My suggestion: Get a flat fee, online financial advisor to do the work for you. Yo... |
Does dollar cost averaging apply when moving investments between fund families? | Dollar cost averaging doesn't (or shouldn't) apply here. DCA is the natural way we invest in the market, buying in by a steady dollar amount each pay period, so over time we can buy more shares when the market is down, and fewer when it's higher. It's more psychological than financial. The fact is that given the market... |
Pay off entire mortgage or put into investments | At the area where I live (Finland), banks typically charge a lot more for additional mortgage credit taken after purchasing the house. So, if you are planning to purchase a house, and pay it with a mortgage, you get a very good rate, but if you pay back the mortgage and then realize you need additional credit, you get ... |
What resources can I use to try and find out the name of the manager for a given fund? | Yahoo Finance: http://finance.yahoo.com/q/pr?s=VFINX+Profile Under "Management Information" |
Is buying a lottery ticket considered an investment? | Why must terms must be mutually exclusive? This (false) dichotomy is what seems to cause the most debate. It is the SINGLE EVENT OUTCOME that defines gambling. Gambling will involve an aleatory contract. That is, the outcome is specifically tied to a single event that determines profit/loss. This could be the outcome... |
When a stock price rises, does the company get more money? | When a stock price rises, the company's assets are worth more. This doesn't mean it gets more cash directly, but it can liquidate (= sell) some of its stocks for a higher return than before. |
Is it better for a public company to increase its dividends, or institute a share buyback? | In some sense, the share repurchasing program is better if the company does not foresee the same profit levels down the road. Paying a dividend for several years and then suddenly not paying or reducing a dividend is viewed as a "slap in the face" by investors. Executing a share repurchase program one year and then n... |
How will Brexit affect house mortgages? | Only you can decide whether it's wise or not given your own personal circumstances. Brexit is certainly a big risk, and noone can really know what will happen yet. The specific worries you mention are certainly valid. Additionally you might find it hard to keep your job or get a new one if the economy turns bad, and in... |
Didn't apply for credit card but got an application denied letter? | It's marketing or SCAM tentative. Please check with extreme attention before clicking any link present in the communication. |
How should I allocate short-term assets in a rising-interest rate environment? | How should I allocate short-term assets in a rising-interest rate environment? Assuming that the last part is correct, there could be bear bond funds that short bonds that could work well as a way to invest. However, bear in that the the "rising-interest rate environment" is part of the basis that may or may not be t... |
Do developed country equities have a higher return than emerging market equities, when measured in the latter currency? | Do developing country equities have a higher return and/or lower risk than emerging market equities? Generally in finance you get payed more for taking risk. Riskier stocks over the long run return more than less risky bonds, for instance. Developing market equity is expected to give less return over the long run ... |
What is a “convertible note”? | Source, see if you have access to it Convertible notes are often used by angel investors who wish to fund businesses without establishing an explicit valuation of the company in which they are investing. When an investor purchases equity in a startup, the purchase price of the equity implies a company valuation. Fo... |
Can a car company refuse to give me a copy of my contract or balance details? | The advice above is generally good, but the one catch I haven't seen addressed is which specific laws apply. You said that you are in Arkansas, but the dealer is in Texas. This means that the laws of at least two different states are in play, possibly three if the contract contains a clause stating that disputes will... |
How can I find a list of self-select stocks & shares ISA providers? | I can't provide a list, but when I took out my Stocks and Shares, I extensively researched for a good, cheap, flexible option and I went with FoolShareDealing. I've found them to be good, and their online trading system works well. I hope that's still the case. |
How to calculate PE ratios for indices such as DJIA? | One thing to keep in mind when calculating P/E on an index is that the E (earnings) can be very close to zero. For example, if you had a stock trading at $100 and the earnings per share was $.01, this would result in a P/E of 10,000, which would dominate the P/E you calculate for the index. Of course negative earning... |
Would selling significantly below market affect the value of a stock | Assuming you are executing your order on a registered exchange by a registered broker, your order will be filled at the best bid price available. This is because brokers are legally obliged to get the best price available. For example, if the market is showing a bid of 49.99 and an offer of 50.01 and you submit an ord... |
Does investing in a company support it? | As said by others, buying shares of a company will not support it directly. But let's think about two example companies: Company A, which has 90 % stocks owned by supporters, and Company B, which has only 1 % of stocks owned by supporters. Both companies release bad news, for example profits have decreased. In Company ... |
How would one follow the “smart money” when people use that term? | Smart money (Merriam-Webster, Wiktionary) is simply a term that refers to the money that successful investors invest. It can also refer to the successful investors themselves. When someone tells you to "follow the smart money," they are generally telling you to invest in the same things that successful investors inve... |
Does exposure to financials in corporate bond funds make sense? | One reason a lot of bond ETFs like Financials are because of how financial companies work. They usually have amazing cash flows due to deposits and fees and therefore have little risk associated with paying their debts in the short term. The rest of VCSH contains companies with low default risk and good cash flow gene... |
What are the tax implications of lending to my own LLC? | It'll be just like any other loan you make, on your end, and receive, on your LLC's end. You pay taxes on the interest received, and your LLC can deduct the interest paid. Do make sure you set it up properly, however: If you want to loan money to your business, you should have your attorney draw up paperwork to d... |
Finding a good small business CPA? | Ask for at least 10 references. Ask for 10 because it will be harder for them to refer you to ringer references like their family or friends. |
How to avoid getting back into debt? | I'm going to subtly and cheekily change the obvious advice. There are three ways to deal with negative cashflow, not two: You're currently studying for a degree. You don't say what country you're in or how your studies are funded, but most people in the US, UK, and a fair number of other countries, run up debts while s... |
Account that is debited and account that is credited | Credited to your account means amount has been deposited to your account(this will be your income). Debited from your account means withdrawn from your account(This will be your expense). Hope this clarifies your question. Regards Jayanthi |
Where can I get AEX historical data - Amsterdam? | Try the general stock exchange web page. http://www.aex.nl I did a quick trial myself and was able to download historical data for the AEX index for the last few years. To get to the data, I went to the menu point "Koersen" on the main page and chose "Indices". I then entered into the sub page for the AEX index. There... |
Get free option quotes | In addition, since you asked for Montreal, you can get the quotes directly. http://www.m-x.ca/nego_cotes_en.php |
Good yield vs. safer route (Checking vs. Savings) | In the US bank or credit union checking, savings, CD's are insured through FDIC or NCUA. The coverage is for $250,000. This limit can be increased by having multiple accounts. You, your spouse, and a Joint account with your spouse, are considered 3 different accounts, so you could have $750K coverage. IRA funds are co... |
Can I cover a short sale with the stock I already own? | Yes, you call the broker and tell him to use those shares to deliver to the short position. |
Owning REIT vs owning real estate - which has a better hypothetical ROI? | You've already hit on the big difference. If you buy a property, you've made a big commitment, for better or worse. If you bought wisely, you'll be very happy. If not, you could go bankrupt. An REIT spreads out the risk, but the reward isn't as great. There's less barrier to entry in buying shares of an REIT than the... |
Long term drip (dividend reinvestment plan) stock | There are ETFs and mutual funds that pay dividends. Mutual funds and ETFs are quite similar. Your advisor is correct regarding future funds you invest. But you already had incurred the risk of buying an individual stock. That is a 'sunk cost'. If you were satisfied with the returns you could have retained the HD stock ... |
Buying a foreclosed property | No, it is not true. It depends on the market, the banks' inventory, the original debt that was owed, etc etc. The banks generally want to recover their money, so in case of underwater properties they may end up hold a property for years until prices bounce back (as it happened during the last crisis when many houses we... |
Who sets the price and provides the quoted price values for stocks? | The "price" is the price of the last transaction that actually took place. According to Motley Fool wiki: A stock price is determined by what was last paid for it. During market hours (usually weekdays from 9:30AM-4:00PM eastern), a heavily traded issue will see its price change several times per second. A stock's pric... |
Why is early exercise generally not recommended for an in-the-money option? | The crucial insight is that the alternative to early exercise of an American call is not necessarily to hold it to expiry, but to sell it. And selling it, at its value, is always better than exercising it. Note that this holds only for options on assets that don't pay dividends. Here's the proof, using Put-Call-Parity... |
How do I find an ideal single fund to invest all my money in? | In the past 10 years there have been mutual funds that would act as a single bucket of stocks and bonds. A good example is Fidelity's Four In One. The trade off was a management fee for the fund in exchange for having to manage the portfolio itself and pay separate commissions and fees. These days though it is very sim... |
Will there always be somebody selling/buying in every stock? | Well Company is a small assets company for example it has 450,000,000 shares outstanding and is currently traded at .002. Almost never has a bid price. Compare it to PI a relative company with 350 million marker cap brokers will buy your shares. This is why blue chip stock is so much better than small company because... |
Why buy insurance? | The definition of insurance is the transfer of risk. Thus, you're paying for transferring of a risk (of an item/property) to the insurer (carrier), so that they bear the financial burden of a loss/accident and not you. You could always self-insure, but a lot of times, insurance is cheaper, since due to the "Law of Larg... |
How can I figure out when I'll be able to write call options of a stock? | Call the CBOE, the Chicago Board of Options Exchange I've requested options on several IPOs in the past. You mainly have to convince them that there is a market for them (or they won't be inclined to provide liquidity). The CBOE could talk to the company in question to help convince them, or the CBOE will just tell you... |
After Market Price change, how can I get it at that price? | Buying stocks is like an auction. Put in the price you want to pay and see if someone is willing to sell at that price. Thing to remember about after hours trading; There is a lot less supply so there's always a larger bid/ask price spread. That's the price brokers charge to handle the stocks they broker over and abov... |
“Correct” answer on Visa credit quiz doesn't make sense | I took the quiz that you linked too and answered with what I considered "ideal" answers with the exception of checking C for that particular question.... The first thing I saw was I needn't have bothered with giving the ideal answer as the result is self graded (paraphrased) as...all "A" great, mostly "A" good, mostly... |
How do I get a Tax Exemption Certificate for export from the US if I am in another country? | Depends on the state, in Texas you should charge sales tax because the shipment is going to a freight forwarder in Texas. That being said, once you have the bill of lading you can have your tax credited by the vendor. It is one of the documents the state will except in lieu of sales tax for exports. There are five. ... |
Bond ETFs vs actual bonds | ETFs are just like any other mutual fund; they hold a mix of assets described by their prospectus. If that mix fits your needs for diversification and the costs of buying/selling/holding are low, it's as worth considering as a traditional fund with the same mix. A bond fund will hold a mixture of bonds. Whether that mi... |
Tax liability in US for LLC's owned by an Indian Citzen | The LLC will not be liable for anything, it is disregarded for tax purposes. If you're doing any work while in the US, or you (or your spouse) are a green card holder or a US citizen - then you (not the LLC) may be liable, may be required to file, pay, etc. Unless you're employing someone, or have more than one member ... |
Is there an advantage to keeping a liquid emergency fund if one also has an untapped line of credit? | recommend keeping some amount of money in cash as an emergency fund I see two keywords, with two interpretations here. Cash: Emergency: 1 + 1 is rarely a problem. Even if it takes a couple of days to sell reliable investments. 1 + 2 is a rather large problem. You need to leave town, today, because the town won't be the... |
Pay off entire mortgage or put into investments | I like this option, rather than exposing all 600k to market risk, I'd think of paying off the mortgage as a way to diversify my portfolio. Expose 400k to market risk, and get a guaranteed 3.75% return on that 200k (in essence). Then you can invest the money you were putting towards your mortgage each month. The potent... |
Less than a year at my first job out of college, what do I save for first? | I wish I was in your shoes with the knowledge I have in my head. financial goal setting is a great plan at your age. In my humble opinion you don't want to save for anything... you want to invest as much as you can, create a corporation and have the corporation invest as much as possible. When there is enough monthly c... |
What does it mean to long convexity of options? | First lets understand what convexity means: Convexity - convexity refers to non-linearities in a financial model. In other words, if the price of an underlying variable changes, the price of an output does not change linearly, but depends on the second derivative (or, loosely speaking, higher-order terms) of the... |
401k Transfer After Business Closure | You should probably consult an attorney. However, if the owner was a corporation/LLC and it has been officially dissolved, you can provide an evidence of that from your State's department of State/Corporations to show that their request is unfeasible. If the owner was a sole-proprietor, then that may be harder as you'l... |
What exactly is BATS Chi-X Europe? | Yes, it would be incorrect to refer to BATS Chi-X Europe as a market maker. Market makers make markets on BATS Chi-X Europe, which is a stock exchange. |
Can I convert spread option into regular call or put? | Yes. There are levels of option trading permission. For example, I've never set myself up for naked put writing. But, if you already have the call spread, buying back the shorted call will leave you with a long call. This wouldn't be an issue. As long as you have the cash/margin to buy back that higher strike call. |
Beginner questions about stock market | First, welcome to Money.SE. If you are interested in saving and investing, this is a great site to visit. Please take the tour and just start to read the questions you find interesting. 1 - even though this is hypothetical, it scales down to an average investor. If I own 1000 shares of the 1 billion, am I liable if th... |
What is the best way to stay risk neutral when buying a house with a mortgage? | To avoid risk from rising interest rates, get a fixed rate mortgage. For the life of the mortgage your principal and interest payments will remain the same. Keep in mind that the taxes and insurance portion of your monthly payment may still go up. Because you own the property, the costs to maintain the property are you... |
How can I compare the performance of a high dividend funds with other funds and or an index | Vanguard (and probably other mutual fund brokers as well) offers easy-to-read performance charts that show the total change in value of a $10K investment over time. This includes the fair market value of the fund plus any distributions (i.e. dividends) paid out. On Vanguard's site they also make a point to show the i... |
My bank refused to do a charge back | Call Comcast during a non-peak time (first thing in the morning?), wait on hold, and politely explain what happened and request a $50 credit. Also politely request that your premium support request be handled for free given how much hassle you've had getting disconnected. They'll be able to tell your premium request wa... |
Is a car loan bad debt? | The risk besides the extra interest is that you might be upside down on the loan. Because the car loses value the moment you drive off the lot, the slower you pay it off the longer it takes to get the loan balance below the resale value. Of course if you have a significant down payment, the risk of being upside down is... |
Buying from an aggressive salesperson | From your question and how you have framed it, I get you find Agressive Sales tactics disturb the buying process for you. ;) I understand because I also find the whole process of Research / Negotiating / Buying / Owning / Using is all on one continuum, so anything that ruins the process will likely lose the sale or enj... |
Does buying and selling a stock OR holding onto it make a company look better? | Not sure I fully understand your question but my take on it is this: There a lot of people out there that admire companies and own the stock just because they like the company. For example, I know some kids who own Disney stock. They only have a share or two but they keep it because they want to say "I own a part of Di... |
Made more than $600. Company does not issue 1099-MISC's. Enter income as general income? | I'm not sure how this gets entered in TurboTax, but this income from the company should be included in the Schedule C (or C-EZ) Line 1 Gross Receipts total, along with all of your 1099-MISC income from your business and any other income that your business took in. You don't need a 1099 from them, and the IRS doesn't ca... |
Are there alternatives to double currency account to manage payments in different currencies? | You could use a Credit or Debit Card running in US $, drawing from your US$ account, and pay everything with it. If you pick a company with free foreign conversions, you would get the standard interbank exchange ratio every time you pay, with no fee. For the small payments where credit cards are not accpeted or useful ... |
Are money market instrument and short-term debt same? | The Money Market is a place where one trades Instruments. The market is similar to that of the Stock Market. The instruments traded in Money Markets include Short Term Debt Instruments as well as FX Swap Instruments and Mortgage & Asset Backed Securities. The FX & Mortgage Securities are not Debt instruments per se. Th... |
How to avoid getting back into debt? | First, you've learned a very good lesson that quite a few people miss out on: notice how easy it is to get out of debt when you get a windfall of money? The trouble is that if a person doesn't have the behavior to maintain their position, they will end up in the same place. Many lottery winners end up being poor in t... |
The cost of cleaning the house that we rented far exceeds the security deposit. Should we bother? | I am surprised at the amount of work this contract wants done. I'd question if it's even legal given the high costs. I suspect it's only there to remind abusive tenants of responsibilities they already have in law for extraordinary abuse beyond ordinary wear-and-tear: they are already on the hook to repaint if they t... |
Pay down the student loan, or buy the car with cash? | To directly answer your question, the best choice is to pay cash and place the rest on your student loan. This is saving you from paying more interest. To offer some advise, consider purchasing a cheaper car to place more money towards your student loan debt. This will be the best financial decision in the long-term. ... |
Clarification on options jargon regarding spreads | Yes. It seems to me you got it right. On my site, Stock Options Cafe, my last post was an illustration of a bullish call spread. In this case, I bought a 50 call, and sold the 60 call. This is a debit order as I was paying money, not collecting a new premium. |
Stocks in India, what is the best way to get money to US | Convert the money into United States Dollars, put it in an NRE account in India and get 5% per annum for the USD. |
When does it make sense for the money paid for equity to go to the corporation? | The check is written to BigCo. Jack is being diluted, corporation issues more shares. There's no gain, no change in Jack's equity value. Jack didn't lose or win anything. BigCo was worth $1M before the additional money, it is worth $1.25M after the additional money, with Jack owning the same $1M, but the cake is now bi... |
What is the purpose of property tax? | Property taxes are levied by the local authorities to pay for their services. Since the services are continuous - so are the charges. You need someone to pave a road to your house, to build infrastructure, to maintain the police force, fire department, local schools etc. That's what your property taxes are going to. Ho... |
Most Efficient Way to Transfer Money from Israel to the USA? | How much are we talking about here? My own experience (Switzerland->US, under $10K) was that the easiest way was just $100 bills. Alternatively, I just left a bunch in the Swiss bank, and used my ATM card to make withdrawals when needed. That worked for several years (I was doing contract work remotely for the Swiss... |
Why there's always a very huge volume of trades for AAPL every day before market close? | A huge amount of money in all financial markets is from institutional investors, such as mutual funds, government pension plans, sovereign wealth funds, etc. For various reasons these funds do all of their trading at the end of the day. They care primarily that their end-of-day balances are in line with their targets... |
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