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What assets would be valuable in a post-apocalyptic scenario? | Assuming that the financial system broke down, not enough supply of essential commodities or food but there is political and administrative stability and no such chaos that threatens your life by physical attacks. The best investment would then be some paddy fields, land, some cows, chickens and enough clothing , a sa... |
In a competitive market, why is movie theater popcorn expensive? | I'm kind of shocked that no formal behavioral modeling has been proposed as an explanation yet. One such model would be steep (hyperbolic, quasi-hyperbolic) discounting. Consumers would rather pay for popcorn later than for an expensive movie ticket now. For instance, consumers might when purchasing the ticket see a ... |
Do I not have a credit score? | You can't get your credit score for free, just the report with the information the score is based on. If you got credit reports through annualcreditreport.com, the Score tab would typically contain an advertisement for purchasing your score. If you have an ad-blocker enabled, that might be blocked, explaining the bl... |
Is there any circumstance in which it is necessary to mark extra payments on a loan as going to “principal and not interest”? | It could be a couple of things besides extra principal: I seem to remember hearing that some (shady?) lenders would just pocket extra payments if you didn't specify where they were headed, but I've also been told that this just isn't true. |
In the stock market, why is the “open” price value never the same as previous day's “close”? | It does sometimes open one day the same as it closed the previous day. Take a look at ESCA, it closed October 29th at 4.50, at opened November 1st at 4.50. It's more likely to change prices overnight than it is between two successive ticks during the day, because a lot more time passes, in which news can come out, an... |
Do other countries have the equivalent of Australia's Negative Gearing? | I would say similar rules apply in the US. If you have a net loss from rental property, you certainly can claim that loss against your personal income. There are various rules around this though that make it a bit less clear cut. If you are a "real estate professional", which basicly means you spend at least 750 hour... |
Strategies for paying off my Student loans | Considering I'm in a nearly identical situation, I'll speak to my personal strategy and maybe there's some value for you as well. You have ~$22k in loans, which you say you could pay off today. So, what I read is that you're sitting there with a $22k investment and want to know which investment to make: pay down deb... |
Should I buy a home or rent in my situation? | First, you are not a loser nor an idiot! You have avoided many debt mistakes and have a stable income. This move will be good for you and your family and an opportunity to continue to build your life together. The fact you are even thinking about this and asking questions shows that you are responsible. To your rent/bu... |
Difference between full and mini futures contract | Both of these are futures contracts on the Ibovespa Brasil Sao Paulo Stock Exchange Index; the mini being exactly that, a mini version (or portion) of the regular futures contract. The mini counterpart makes trading the index more affordable to individual investors and hence increase liquidity. |
Should I pay half a large balance this month before I get my CC statement? | From what I have heard on Clark Howard if you pay your balance off before the statement's closing date it will help your utilization score. He has had callers confirm this but I don't have first hand knowledge for this to be true. Also this will take two months to make the difference. So it will be boarder line if ... |
When to trade in a relatively new car for maximum value | To save the most money - don't trade it in, sell it to a private party. Dealers will always give you less, because eventually they'll be selling to the same private parties, so why do you need the middle man? Craigslist is your friend. |
Freelancer in India working for Swiss Company | I have some more inputs to investigate: India has dual tax avoidance treaty signed with european countries so that NRIs dont pay tax in both countries. Please check if India has some agreement with Swiss Also for freelance job that is delivered from India, u need to make sure where you have to pay taxes as you are stil... |
Free “Rich Dad” education, with “free gift”: Is it legitimate, or is it a sales ploy? | Kiyosaki says his methods of actions are not suitable for the average investor. They are meant for those wanting to excel at investing, and are willing to work for it. Personally, I wouldn't want to own ten apartments, because it sounds like a terrible headache. I would much rather have a huge portfolio of index funds.... |
Is there any reason not to buy points when re-financing with intent not to sell for a while? | The math is pretty simple. You can spend less overall if you pay points. Things to remember are: |
Paid credit card bill, but money didn't leave my checking account [duplicate] | The fact that your credit card has seen the payment is strong evidence that the transaction did in fact take place. But it's not unusual for there to be a delay of one or two business days before transactions show up in your online banking records. Saturday and Sunday are not business days. I bet you will see it on... |
Net income correlation with Stock Price | Ideally, stock price reflects the value of the company, the dividends it is expected to pay, and what people expect the future value of the company to be. Only one of those (maybe one and a half) is related to current sales, and not always directly. Short-term motion of a stock is even less directly linked, since it a... |
What is the role of a manager in a passively managed index fund? | There still is some buying and selling to do in a passively-managed fund. The stocks might pay dividends. If the fund manager didn't reinvest these dividends, the fund would begin to accumulate a cash position, which would cause it to stray from being an index fund. Stocks come and go from an index as well; if the f... |
How can I stop wasting food? | Make a menu of 15 (or more) things you like to eat. Write a grocery list for what it takes. Divide that list into perishable and non-perishable. Put those items into a calendar and try to stick to it. Depending on the amount of storage space you have, once a week fulfill your perishable list. Use coupons and shop th... |
Dollar-cost averaging: How often should one use it? What criteria to use when choosing stocks to apply it to? | Dollar cost averaging can be done in a retirement plan, and can be done for individual stock purchases, as this will increase your returns by reducing your risk, especially if you are buying a particular stock for the first time. How many time have I purchased a stock, bottom fishing, thinking I was buying at the low... |
How can Schwab afford to refund all my ATM fees? | Schwab is a highly diversified operation and has a multitude of revenue streams. Schwab obviously thinks it can make more off you than you will cost in ATM fees and it's probably safe to assume most Schwab clients use more services than the ATM card. It's not worthwhile to discuss the accounting of ATM/Debit/Credit ca... |
How can home buying be considered a sound investment with all of that interest that needs to be paid? | Since then I wanted to move out of this house because the property taxes are so high and the mortgage payment is a killer. As I understand this is a property jointly owned by your parents and you. As they are not living staying in the house, you have taken over the mortgage payments for this house along with any other ... |
Why don't banks give access to all your transaction activity? | I would say a lot of the answers here aren't quite right. The main issue here is that banking is a highly oligopolous industry - there are few key players (the UK, for example, has only 5 major banks operating under a variety of brands: it's all the same companies underneath) and the market is very, very hard to enter ... |
Where should my money go next: savings, investments, retirement, or my mortgage? | I'd invest in yourself. Start up a side business. Take a certification class that gets your foot in the door for something else (auctioneering, real estate sales, whatever). Bid on a storage auction and try to re-sell it. Learn Spanish (or whatever second language is best for your area). And so forth. Most of the ... |
Long term investment for money | I'd open the Roth IRA account and fund for 2015 and 2016. For the very long term, I'd learn about index funds, specifically a low cost S&P mutual fund or ETF. |
When does Ontario's HST come into effect? | It looks like the HST will be in effect in Ontario on July 1st, 2010. As to whether it will replace GST with HST for all services, it looks like some sectors may get special treatment: Ontario may exempt mutual funds from HST (National Post). But it doesn't look final yet. However, I would suggest that most service-... |
Most common types of financial scams an individual investor should beware of? | Affinity fraud. You see, Madoff really didn't have to sell himself, people recommended him to their friends. In a similar way, it's easy once a scammer reels in one sucker to keep him on the hook long enough to get 10 friends to invest as well. I've written about Mortgage Acceleration scams, and the common thread is ... |
What are the primary investment strategies people use and why do they use them? | There are two umbrellas in investing: active management and passive management. Passive management is based on the idea "you can't beat the market." Passive investors believe in the efficient markets hypothesis: "the market interprets all information about an asset, so price is equal to underlying value". Another idea ... |
Are there statistics showing percentage of online brokerage customers that are actually making a profit trading forex/futures/options? | It looks like these types of companies have to disclose the health of their accounts to CFTC (Commodity Futures Trading Commission). That is the gist I get at least from this article about the traders that lost money due to the Swiss removing the franc’s cap against the euro. The article says about the U.S. retail FORE... |
Problems with Enterprise Value and better valuation techniques | This is an example from another field, real estate. Suppose you buy a $100,000 house with a 20 percent down payment, or $20,000, and borrow the other $80,000. In this example, your "equity" or "market cap" is $20,000. But the total value, or "enterprise value" of the house, is actually $100,000, counting the $80,000 mo... |
Is it possible to improve stock purchase with limit orders accounting for volatility? | The simplest solution to fire-and-forget is to pick something like a Target Date mutual fund made up of low-overhead index funds (within your 401k or a Roth IRA, perhaps) and set up automatic purchase to that. If you're talking about limit orders and so on, that ain't simple. |
Personal credit card for business expenses | Do you have a separate bank account for your business? That is generally highly recommended. I have a credit card for my single-member LLC. I prefer it this way because it makes the separation of personal and business expenses very clear. Using a personal credit card, but using it for only business expenses seems to ... |
Real Estate: Please review my recent investment (with numbers from recent purchase) | Okay so I am going to break this answer into a couple sections: Okay so first things first. Did you get a good deal? This is challenging to answer for a number of reasons. First, a good deal is relative to the buyers goals. If you're attempting to buy an asset that provides passive income then maybe you met your goal a... |
Non Resident aliens - Question of standard vs itemized | The IRS' primary reference Pub 519 Tax Guide for Aliens -- current year online (current and previous years downloadable in PDF from the Forms&Pubs section of the website) says NO: Students and business apprentices from India. A special rule applies .... You can claim the standard deduction .... Use Worksheet 5-1 to f... |
What reason would a person have to use checks in stores? | Rational reason. They like this method of paying. There is a delay between writing the check and having the money removed from the account. Their checkbook makes a carbon copy of the check, so they can update their balance easier. They can leave the store and update their checkbook register, or the spreadsheet or their... |
Can I transfer money from a personal pension to a SIPP, while leaving the original pension open? | Just to aid your searching, note that what your employer has provided you with access to is a Group Personal Pension . Now, as to the question of whether partial transfers from a GPP to a SIPP are possible - the answer would appear to be Probably Yes; however you should contact the pension administrator at your employe... |
Difference between IRR and ROR | There may be differences in different contexts, but here's my general understanding: Rate of Return (or Return on Investment) is the total gain or loss of an investment divided by the initial investment amount. e.g. if you buy stock for $100 and later sell it for $120 you have a 20% Rate of Return. You would have a 2... |
What do these numbers mean? (futures) | The other answer covers the mechanics of how to buy/sell a future contract. You seem however to be under the impression that you can buy the contract at 1,581.90 today and sell at 1,588.85 on expiry date if the index does not move. This is true but there are two important caveats: In other words, it is not the case tha... |
Mortgage company withholding insurance proceeds | My question is, how do you rebuild a home, without the money to rebuild the home? I ignorantly thought that was why we paid for insurance. The reason that you have insurance is so as to keep the mortgage lender from losing money. That's why you buy the insurance through the mortgage lender and they get paid. Without ... |
When writing a covered call, what's the difference between a “net debit” and a “net credit”? | When you buy a stock and sell a covered call, the call can't be valued higher than the stock, right? How can a call on a $10 stock sell for more than the stock? So, the initial position of a covered call will cost you something. The transaction is a debit to you. The net amount of the deal, usually prices as per stoc... |
How to reconcile a credit card that has an ongoing billing dispute? | You could make an entry for the disputed charge as if you were going to lose the dispute, and a second entry that reverses the charge as if you were going to win the dispute. You could then reconcile the account by including the first charge in the reconciliation and excluding the reversal until the issue has been res... |
Is working on a W2 basis, with benefits paid to me, a good idea? | It's hard to answer without knowing all of the details (i.e. what was your salary for each of the options), but I think you probably made a good choice. 1099: Would have required you to pay self-employment tax, but also would have allowed you to deduct business expenses. W2 with benefits: Likely would have been benefic... |
Is an Income Mutual Fund a good alternative to a savings account? | The value will certainly fluctuate up and down (but on average gain more than a savings account), but so long as you have enough liquid assets for emergencies, then yes, it's a perfectly good alternative to savings accounts. how risky, in general, are Index Income Funds. How are you defining "risk"? If you mean "probab... |
What are some well known or well regarded arguments against investing? | I think you're confusing risk analysis (that is what you quoted as "Taleb Distribution") with arguments against taking risks altogether. You need to understand that not taking a risk - is by itself a risk. You can lose money by not investing it, because of the very same Taleb Distribution: an unpredictable catastrophic... |
Settling house with husband during divorce. Which of these two options makes the most sense? | How about a third approach: Figure the buyout as above. Figure what percentage of the value of the house the buyout constitutes. When the house sells the other party gets that percentage of the sales price. |
Invest in ESPP Single Stock or General Market | Other than the guaranteed 5% bonus (assuming you sell it right away), no benefits. Keep in mind that the price from which the discount is calculated is not necessarily the market price at the date of the ESPP purchase, so the actual discount may be more than 5% (depending on the volatility of the stock - much more). |
What exactly changes following a stock split? Why doesn't “Shares” (on the following SEC balance sheet) change? | In theory*, if a company has 1m shares at $10 and does a 10 for 1 split, then the day after it has 10m shares at $1 (assuming no market move). So both the price and the number of share change, keeping the total value of the company unchanged. Regarding your BIS, I suspect that the new number of shares has not been repo... |
Is selling put options an advisable strategy for a retiree to generate stable income? | Yes -- If you are prepared to own the stock and have the cash to buy it, it can be a good way to generate income. The downside is really no more than buying a stock and it goes down -- which can happen to any investment -- and you have the premium of the put. Just don't do it on any stock you would not buy outright. To... |
ETF S&P 500 with Reinvested Dividend | The problem there is that there's a tax due on that dividend. So, if you wish, you can buy the ETF and specify to reinvest dividends, but you'll have to pay a bit of tax on them, and keep track of your basis, if the account isn't a retirement account. |
If a fund holds stocks paying dividends and doesn't give a payout, is it necessarily re investing those dividends? | It is not necessary that the mutual fund pays out the dividend. The money would be used to buy more shares of the same stock or of some other stock depending on overall policy goal of the fund and current allocation of funds. This would increase the NAV of the mutual fund and hence its indirectly comes to you once you ... |
Can a custodian refuse prior-year IRA/HSA deposit postmarked April 15? | The "must be postmarked" language might be just from the old bank itself, not from the IRS. The language I see in Publication 969 only says "You can make contributions to your HSA for 2014 until April 15, 2015." In this case, it is understandable that the credit union you have the new account with does not want to acc... |
Taking out a loan to pay down a mortgage | You're not crazy, but the banks are. Here's the problem: You're taking 100% LTV on property A - you won't be able to get a second mortgage for more than 80% total (including the current mortgage) LTV. That's actually something I just recently learned from my own experience. If the market is bad, the banks might even lo... |
Trouble sticking to a budget when using credit cards for day to day transactions? | Do yourself a favor: calculate the price of airfare, calculate how many points it takes to get a good flight, and calculate how many points you get per dollar spent. What you will find is that it is a ripoff. Leave the card at home and unlink it from your online purchasing accounts. You're welcome. If you really want t... |
Is Bogleheadism (index fund investing) dead? | One alternative to bogleheadism is the permanent portfolio concept (do NOT buy the mutual fund behind this idea as you can easily obtain access to a low cost money market fund, stock index fund, and bond fund and significantly reduce the overall cost). It doesn't have the huge booms that stock plans do, but it also do... |
Optimal down payment amount | The optimal down payment is 0% IF your interest rate is also 0%. As the interest rate increases, so does the likelihood of the better option being to pay for the car outright. Note that this is probably a binary choice. In other words, depending on the rate you will pay, you should either put 0% down, or 100% down. The... |
How do you find an ethical, honest independent insurance broker in Canada? | How do you find an ethical, honest practitioner of any business? One: Make a small transaction with them and see how they treat you. If they cheat you on something small, don't give them a chance with something big. Two: Ask family and friends for recommendations. Three: Get information from public sources, like web si... |
Table of how many years it takes to make a specified return on the stock market? | It depends on what stocks you invest in or whether you invest in an index, as all stocks are not created equally. If you prefer to invest directly into individual stocks and you choose ones that are financially health and trending upwards, you should be able to easily outperform any indexes and get your 30% return much... |
Indian resident owning dividend-paying shares in company based in France: Can I save on withholding tax? | France taxes capital / dividend gains accrued in France. Hence you will not be able to reduce this liability. India does have a Double Tax Avoidance Treaty with France and you can claim relief for the tax paid in France. |
Are there any funds tracking INDEXDJX:REIT? | Although you can't invest in an index, you can invest in a fund that basically invests in what the index is made up of. Example: In dealing with an auto index, you could find a fund that buys car companies's stock. The Google Finance list of funds dealing with INDEXDJX:REIT Although not pertaining to your quetion exact... |
Sale of jointly owned stock | It depends on when, where and how the account was setup. If the state has an UGMA (Uniform Gift to Minors) law, the account was probably opened under that -- in which case, your wife became the custodian by statute at age 18 or 21. She has always been the account owner. The "catch" is that if your wife's father died b... |
Fractional Reserve Banking and Insolvency | You bet if it was so simple. This is when financial acumen comes into its true form. The bank would never ever want to go insolvent. What it does is, take insurance against the borrower defaulting. Remember the financial crisis of 2008 which was the outcome of borrowers defaulting. The banks had created derivatives ba... |
How much more than my mortgage should I charge for rent? | I just wanted to add one factor to the other answers. The cost of maintenance etc. is not a fraction of the cost of financing - it is more likely a fraction of the value of the house, and a function of its age. If you say you need to replace a roof every 25 years, and that costs $10,000 (depends on the size of the hous... |
How to share income after marriage and kids? | I started this off as a comment to Joe's answer, but it got rather messy in that form so I'll just post it as a separate answer instead. I suggest that you read Joe's answer first. I believe you are overthinking this. First, you really should be discussing the matter with your girlfriend. We can provide suggestions, bu... |
Making higher payments on primary residence mortgage or rental? | I'll assume you live in the US for the start of my answer - Do you maximize your retirement savings at work, at least getting your employer's match in full, if they do this. Do you have any other debt that's at a higher rate? Is your emergency account funded to your satisfaction? If you lost your job and tenant on the... |
Is real (physical) money traded during online trading? | With Forex trading - physical currency is not involved. You're playing with the live exchange rates, and it is not designed for purchasing/selling physical currency. Most Forex trading is based on leveraging, thus you're not only buying money that you're not going to physically receive - you're also paying with money t... |
~$75k in savings - Pay off house before new home? | As others have said, congratulations on saving up 75K in cash while seemingly not neglecting other areas of personal finance. Considering that only 15% of Americans have more than 10K saved this is quite a feat. source If you sell your old house, and buy the new one you will still be in really good financial shape. ... |
Can capital loss in traditional IRA and Roth IRA be used to offset taxable income? | Edited in response to JoeTaxpayer's comment and OP Tim's additional question. To add to and clarify a little what littleadv has said, and to answer OP Tim's next question: As far as the IRS is concerned, you have at most one Individual Retirement Account of each type (Traditional, Roth) though the money in each IRA ca... |
Why is the stock market price for a share always higher than the earnings per share? | When you buy a stock, you're really paying for a STREAM of earnings, from now till whenever. The job of an investor is to figure out how large that stream will be in the future. But if the stock price were the same as "earnings" (for one year), it would mean that you would get all future earnings for "free." That's not... |
I'm currently unemployed and have been offered a contract position. Do I need to incorporate myself? How do I do it? | I am co-owner of a business, and we incorporated federally. (Mostly to limit liability.) There is some excellent information above, and most of my wisdom I got from a trusted lawyer and accountant (find experts you trust in these two areas, they will prove invaluable in so many areas.) The one point I would add is ... |
Relation between inflation rates and interest rates | Is it true that due the to the increase in interest rates that inflation is likely to increase as well? It is typically the reverse where inflation causes interest rates to rise. Interest rates fundamentally reflect the desire for people to purchase future goods over present day goods. If I loan money to someone for 5... |
How to calculate S corporation distribution from past K-1s? | Disclaimer: I'm not a tax professional, or an expert on S-Corps. However, I do have my own S-Corp, and my decision process for taking a distribution has nothing (directly) to do with K-1 past or present, or profit and loss. If I have "extra" cash in my S-Corp, I take a distribution. Assuming I do my taxes correctly, ... |
Why so much noise about USA's credit rating being lowered? | Because US bonds have had the prior impression of absolute invincibility and safety that has helped the dollar become the world's reserve currency and the United States borrow essentially at will. For the people that care what S&P says, the aura of invincibility is broken and it is conceivable, in SOME universe, for th... |
Investing in hemp producers in advance of possible legalization in Canada? | Hemp is already pretty easily grown by farmers here. Canada had 50,000 acres of legal hemp in 2006, but it's been in decline the last 3 years due to the cost, lack of demand, and the high values of some other crops. It's also difficult to harvest due to its size. It's possible that the demand for hemp products will i... |
My friend wants to put my name down for a house he's buying. What risks would I be taking? | What are the risks, if any The risks are exemplified by the outcomes presented on this website, including: There's a chance you will end up paying large mortgage payments on a house occupied by an ex-friend and paying large amounts of money to lawyers to try and get things straightened out. You could come out of it a l... |
Why are big companies like Apple or Google not included in the Dow Jones Industrial Average (DJIA) index? | The Dow Jones Industrial Average (DJIA) is a Price-weighted index. That means that the index is calculated by adding up the prices of the constituent stocks and dividing by a constant, the "Dow divisor". (The value of the Dow divisor is adjusted from time to time to maintain continuity when there are splits or change... |
How websites like Google have access to stock market data? | At the bottom of Yahoo! Finance's S & P 500 quote Quotes are real-time for NASDAQ, NYSE, and NYSE MKT. See also delay times for other exchanges. All information provided "as is" for informational purposes only, not intended for trading purposes or advice. Neither Yahoo! nor any of independent providers is liable ... |
Is it better to buy put options or buy an inverse leveraged ETF? | The only use of options that I will endorse is selling them. If you believe the market is going down then sell covered, out of the money, calls. Buying calls or buying puts usually wastes money. That is because of a quality called Theta. If the underlying security stays the same the going price of an option will decre... |
How can rebuilding a city/large area be considered an economic boost? | Wikipedia's article on the Parable of the broken window mentions that Keynesians would argue that broken windows can be useful in depressed economies. I think Japan's economy was somewhat depressed, so if it applies anywhere, it'd apply in this scenario. |
Interest charges on balance transfer when purchases are involved | The 'common sense' in it is that they want the maximum money from you while still suggesting to a quick read that you get away free. Their target is not to make you happy, but to make money of you. |
Separating money in bank account without opening another account | There are some banks that offer "pot" accounts like this (off the top of my head I think Intelligent Finance does, although they call them "jars"). The other option for charity specifically would be a CAF account: https://www.cafonline.org/my-personal-giving/plan-your-giving/individual-charity-account.aspx |
Should I learn to do my own tax? | I would advise against "pencil and paper" approach for the following reasons: You should e-file instead of paper filing. Although the IRS provides an option of "Fillable Forms", there's no additional benefit there. Software ensures correctness of the calculations. It is easy to make math errors, lookup the wrong table ... |
Which type of investments to keep inside RRSP? | Milliondollarjourney.com has a couple of articles on this topic. How Investing Taxes Work part 1 and part 2. The following is a summary of that article. Capital gains and dividends are taxed at a preferred rate, while interest tax is taxed at your regular rate. Interest is taxed at your marginal rate, but capital gains... |
How does AMT/state taxes work for stock options in California? | Does this technically mean that she has to pay AMT on $400,000? Yes. Well, not exactly 400,000. She paid $1 per share, so 390,000. And if so, is %28 the AMT for this sum? (0.28 * $400,000 = $112,000)? Or does she have to include her salary on top of that before calculating AMT? (Suppose in the fake example that her... |
Buy securities at another stock exchange | Yes, it does matter very much. There's a thing called fungible instruments. These are the instruments where it doesn't matter. E.g. most options I ever dealt with in the US are fungible no matter which US exchange you trade them on. A fungible instrument is an instrument where you buy 1 lot on exchange A, then sell 1 l... |
If a startup can always issue new shares, what value is there to stocks/options? | Companies normally do not give you X% of shares, but in effect give you a fixed "N" number of shares. The "N" may translate initially to X%, but this can go down. If say we began with 100 shares, A holding 50 shares and B holding 50 shares. As the startup grows, there is need for more money. Create 50 more shares and s... |
Postbank (Germany) - transferring money to the US - what are the best options? | After doing this many times, my preferred method is: The reason being that the US banks will use every chance possible to take your money in fees. Usually the German bank website will tell you what the current exchange rate. You were correct in selecting Transfer in $ and got the exchange rate. In my experience if you ... |
Closing a futures position | Assuming these are standardized and regulated contracts, the short answer is yes. In your example, Trader A is short while Trader B is long. If Trader B wants to exit his long position, he merely enters a "sell to close" order with his broker. Trader B never goes short as you state. He was long while he held the con... |
Buying my first car out of college | You have a job "lined up". What if it falls through? Then you have to sell your fancy car, and you are back to scare, apart from the dough you owe your dad. For consumption items, live within your means. A cheap first car is just fine. Spend cash where it brings you more cash. |
Most effective Fundamental Analysis indicators for market entry | Fundamental Analysis can be used to help you determine what to buy, but they won't give you an entry signal for when to buy. Technical Analysis can be used to help you determine when to buy, and can give you entry signals for when to buy. There are many Technical Indicator which can be used as an entry signal, from as ... |
If a stock doesn't pay dividends, then why is the stock worth anything? | You are missing the fact that the company can buy back its own shares. For simplicity, imagine the case that you own ALL of the shares of XYZ corporation. XYZ is very profitable, and it makes $1M per year. There are two ways to return $1M to you, the shareholder: 1) The company could buy back some fraction of your s... |
High-risk investing is better for the young? Why? | If you spent your whole life earning the same portfolio that amounts $20,000, the variance and volatility of watching your life savings drop to $10,000 overnight has a greater consequence than for someone who is young. This is why riskier portfolios aren't advised for older people closer to or within retirement age, th... |
Are there Cashflow Positive Investment Properties in the USA? | Americans are snapping, like crazy. And not only Americans, I know a lot of people from out of country are snapping as well, similarly to your Australian friend. The market is crazy hot. I'm not familiar with Cleveland, but I am familiar with Phoenix - the prices are up at least 20-30% from what they were a couple of y... |
Paid cash for a car, but dealer wants to change price | I have one additional recommendation: if the dealer continues to press the issue, tell them that they need to drop it, or you will write a Yelp review in excruciating detail about the entire experience. Used car dealers are very aware of their Yelp presence and don't like to see recent, negative reviews because it can ... |
How can I stop wasting food? | You want to combine a set of techniques to avoid throwing food away. Consider setting aside a weekend day or other non-busy time to do some food prep. Check to see if there is anything in the fridge that needs to be used quickly and prioritize meals that use that item. Make a weekly menu and get your groceries. Chop... |
Should I sell my stocks when the stock hits a 52-week high in order to “Buy Low, Sell High”? | I bought 1000 shares of Apple, when it was $5. And yet, while the purchase was smart, the sales were the dumbest of my life. "You can't go wrong taking a profit" "When a stock doubles sell half and let it ride", etc. It doubled, I sold half, a $5000 gain. Then it split, and kept going up. Long story short, I took gai... |
Are there “buy and hold” passively managed funds? | Passive implies following an index. Your question seems to ask about a hypothetical fund that starts, say, as an S&P fund, but as the index is adjusted, the old stocks stay in the fund. Sounds simple enough, but over time, the fund's performance will diverge from the index. The slight potential gain from lack of cap ga... |
Why buy SPY when there is S&P500? | The S&P500 is an index, not an investment by itself. The index lists a large number of stocks, and the value of the index is the price of all the stocks added together. If you want to make an investment that tracks the S&P500, you could buy some shares of each stock in the index, in the same proportions as the index. ... |
What forms of payment am I compelled to accept? | The confusion comes from ambiguity in popular belief -- that businesses are required to accept x_y_x as payment. In reality, a business can state the terms of a transaction to their pleasure. On the other hand, debt is different -- no lender can refuse cash or other legal tender for repayment of debt. Sometimes, people... |
Where to park money while saving for a car | Nothing's generating a whole lot of interest right now. But more liquid and stable is better (cash or cash-like). But a related question: Why a new car? You can knock thousands of dollars off of the price of a comparable vehicle by buying one that's one or two years old. Your new vehicle loses thousands of dollars ... |
What can I replace Microsoft Money with, now that MS has abandoned it? | If you would like to use linux I suggest you to use KMyMoney http://kmymoney2.sourceforge.net/ It is based on gnucash but it is easier to use IMO |
Why invest for the long-term rather than buy and sell for quick, big gains? | A lot of people have already explained that your assumptions are the issue, but I'll throw in my 2¢. There are a lot of people who do the opposite of long term investing. It's called high frequency trading. I'd recommend reading the Wikipedia article for more info, but very basically, high frequency traders use progr... |
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