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Calculating theoretical Present Value | If you are using an Excel, the Function PV should be able to easily calculate this. Excel Formulae PV = (Rate,Nper,Pmt,Fv,Type) Where Rate: Rate of return. In this case you can use Inflation or assumed rate that would cost you. Say 3-5%. Note the Rate has to be for Nper. i.e. in Nper if you are counting yearly paymen... |
How much should a graduate student attempt to save? | First, don't save anything in a tax sheltered vehicle. You will be paying so little tax that there will be essentially no benefit to making the contributions, and you'll pay tax when they come out. Tax free compounding for 40 years is terrific, but start that after you're earning more than a stipend. Second, most peopl... |
Is it possible to make money by getting a mortgage? | Sounds like a poorly written piece at best... The way you make money with a mortgage, if you're careful and/or lucky and/or patient, is to use that loan to make leveraged investments. If the return on the investments is higher than the interest on the loan, you win. Of course if the investments don't do well you can lo... |
What factors make someone buy or sell a stock? | First, note that a share represents a % of ownership of a company. In addition to the right to vote in the management of the company [by voting on the board of directors, who hires the CEO, who hires the VPs, etc...], this gives you the right to all future value of the company after paying off expenses and debts. You w... |
Any Tips on How to Get the Highest Returns Within 4 Months by Investing in Stocks? | Invest in an etf called SPXS and hope for a market correction in the next month. Or if you know a lot about markets and trends, select from this list of leveraged etfs available from Direxion. |
Acquiring first office clothes | Like the other answers, I'm not entirely sure the equivalent exists in your country. But in the US there are thrift stores run by charities like GoodWill or the Salvation Army that sell clothes for very little money. When my wife was in a similar situation very early in her career she learned the trick of driving to t... |
Are mutual funds a good choice for a medium to low risk investment with a two year horizon? | First, you don't state where you are and this is a rather global site. There are people from Canada, US, and many other countries here so "mutual funds" that mean one thing to you may be a bit different for someone in a foreign country for one point. Thanks for stating that point in a tag. Second, mutual funds are me... |
Should Emergency Funds be Used for Infrequent, but Likely, Expenses? | I would suggest that you use Emergency Funds for things that have a Low likelihood of happening but if they do happen can be devastating. I used to work as a financial advisor and the sugfestion we gave people is to have about 3 months worth of expenses in cash. This was primarily to cover things luke loss of work or s... |
Why invest for the long-term rather than buy and sell for quick, big gains? | The technical term for it is "timing the market" and if you can pull it off correctly, you will do quite well. The problem is that it is almost impossible to consistently do well. If it were that easy there would be a lot of billionaires walking around. Even Wall street experts haven't been able to predict the market t... |
What does “Company Distribution” mean on Google Finance's stock screener? | Company Distribution is attempting to show a histogram of how many companies fall within a given range so you can visualize the number of companies that meet a certain parameter. For example if you move the "Market Cap" sliders so the minimum slider is just before the large rise in the distribution and move the maximu... |
Trading when you work for a market participant | Ask someone in Human Resources. I seriously doubt you are the first person to ask this question for their company and they should be more than happy to help. |
Companies that use their cash to buy back stock, issue dividends, etc. — how does this this typically affect share price? | IBM is famous for spending lots of money on stock buyback to keep the stock price higher. The technique works, and investors in growth stocks generally prefer a high market prices to a taxable dividend payment. Dividends are ways to return shareholder value when a company generates a lot of cash, but doesn't have alot ... |
Maintaining “Woman Owned Business” while taking on investor | In addition to finding another woman investor, you have an equitable option that is not unreasonable: ask your partner to buy out 3% worth of shares from you (which then gives her 54%, allowing you to then sell 5% to an investor and have it not dilute her below 51%: .54 * .95 = .513). That keeps you whole but also ke... |
Do I have to explain the source of *all* income on my taxes? | Nah. Fill it in on the line that says "Other Income" with type of "5th Amendment". There's lots of reasons why you might want to do this, and it's the government's job to find out which one, and they're not allowed to use the bare fact that you put 5th Amendment there to open an investigation. |
Should I buy a home or rent in my situation? | My experience with owning a home is that its like putting down roots and can be like an anchor holding you to an area. Before considering whether you can financially own a home consider some of the other implications. Once you own it you are stuck for awhile and cannot quickly move away like you can with renting. So ... |
What prices are compared to decide a security is over-valued, fairly valued or under-valued? | I was wondering how "future cash flows of the asset" are predicted? Are they also predicted using fundamental and/or technical analysis? There are a many ways to forecast the future cash flows of assets. For example, for companies: It seems like calculating expected/required rate using CAPM does not belong to either fu... |
What happens if a purchase is $0.02 in Canada? | As someone who works for a company that deploys POS systems in Canada, I can tell you that your best bet would be to have a configuration option that lets the client decide what to do. If they have a business practice that would allow for a sale total to be $0.01 or $0.02, they should first evaluate their business prac... |
Do people tend to spend less when using cash than credit cards? | Unless a study accounts for whether the users are following a budget or not, it is irrelevant to those who are trying to take their personal finances seriously. I can certainly believe that those who have no budget will spend more on a credit card than they will on a debit card or with cash. Under the right circumstanc... |
Is real (physical) money traded during online trading? | When you buy a currency via FX market, really you are just exchanging one country's currency for another. So if it is permitted to hold one currency electronically, surely it must be permitted to hold a different country's currency electronically. |
Value of a call option spread | I think you're missing the fact that the trader bought the $40 call but wrote the $45 call -- i.e. someone else bought the $45 call from him. That's why you have to subtract 600-100. At expiration, the following happens: So $600 + -$100 = $500 total profit. Note: In reality he would probably use the shares he gets fr... |
Why invest for the long-term rather than buy and sell for quick, big gains? | There are many technical answers above , but the short story to me is that very few active fund managers consistently beat the market. Look at the results of actively managed funds. Depending on whose analysis you read, you will find out that somewhere between 80-90% of fund managers in a given year do not beat passive... |
I carelessly invested in a stock on a spike near the peak price. How can I salvage my investment? | If you're asking this question, you probably aren't ready to be buying individual stock shares, and may not be ready to be investing in the market at all. Short-term in the stock market is GAMBLING, pure and simple, and gambling against professionals at that. You can reduce your risk if you spend the amount of time an... |
Would I qualify for a USDA loan? | Sounds feasible. I make $45000 a year, with two car payments, credit card and student loan debt. Also, my wife doesn't work. I was approved for a $116000 house with a USDA loan. There are limits or how much debt you can have when applying for a USDA (sorry, I can't remember off the top of my head) and you'll also b... |
Do Americans really use checks that often? | Typically your paychecks are direct deposited into your bank account and you receive a paycheck stub telling you how much of your money went where (taxes, insurance, 401k, etc.). Most people use debit or credit cards for purchases. I personally only use checks to transfer money to another person (family, friend, etc.)... |
Single employee - paying for health insurance premiums with pre-tax money | The answer likely depends a bit on which state you are in, but this should be true for most states. I don't know anything about Pennsylvania specifically unfortunately. The Affordable Care Act created the SHOP marketplace, which allows small businesses to effectively form larger groups for group coverage purposes. SH... |
What gives non-dividend stocks value to purchasers? [duplicate] | Dividends are not fixed. A profitable company which is rapidly expanding, and thus cash-strapped may very well skip dividends, yet that same fast growth makes it valuable. When markets saturate, and expansion stops, the same company may now have a large free cash flow so it can pay dividends. |
What does market cap (or market capitalization) mean? | Market cap is the current value of a company's equity and is defined as the current share price multiplied by the number of shares. Please check also "enterprise value" for another definition of a company`s total value (enterprise value = market cap adjusted for net nebt). Regarding the second part of your question: Is... |
Bond ETFs vs actual bonds | As keshlam said, an ETF holds various assets, but the level of diversification depends on the individual ETF. A bond ETF can focus on short term bonds, long term bonds, domestic bonds, foreign bonds, government bonds, corporate bonds, low risk, high risk, or a mixture of any of those. Vanguard Total International Bond ... |
Why don't share prices of a company rise every other Friday when the company buys shares for its own employees? | This is an old question that has an accepted answer, but it has gotten bumped due to an edit and the answers given are incorrect. I am assuming this means that every other Friday, the company is going into the open public market, buying those shares and then giving it out to the employees. No. Companies will internally... |
Should I invest in real estate to rent, real estate to live in, or just stocks and bonds to earn 10-15%? | You are in your mid 30's and have 250,000 to put aside for investments- that is a fantastic position to be in. First, let's evaluate all the options you listed. Option 1 I could buy two studio apartments in the center of a European capital city and rent out one apartment on short-term rental and live in the other. Occa... |
Can extra mortgage payments be made to lower the monthly payment amount? | That's tricky. Typically you lock in the minimum monthly payment when you close the loan. You can pay more but not less. Options: |
Would it make sense to take a loan from a relative to pay off student loans? | The interest that you are proposing to pay your MIL is actually quite low compared to even extremely conservative investing which easily earns 7% or more with quantifiable low risk. You claim that it would be no risk, but what would happen if you lost your job? The risk she faces is more or less exactly what a bank wou... |
How to make money from a downward European market? | If you are interested in short term trading and live in the UK you can do some Spread Betting. If you know what you are doing you can make money no matter which way the market is moving. Note that most people don't know what they are doing and lose their money pretty quickly. |
In the event of a corporate spin-off, how can I calculate the correct cost basis for each company's shares? | I was doing my taxes in the US (called Form 1040) and wanted to find out how to figure out the cost basis for the $3.006 that I received for each Siemens ADR that I hold in July 2013. I found that the cost-basis allocation ratio is as follows: Thus for the original poster the cost-basis is: Hope this helps someone. |
What are my investment options in real estate? | Your post seems to read as if you want to invest only in real estate rental properties as a start because they will be a reliable investment guaranteed to generate profits that you will be plowing back into buying even more rental properties, but you are willing to consider (possibly in later years) other forms of inve... |
Cheapest way to “wire” money in an Australian bank account to a person in England, while I'm in Laos? | You could use paypal to transfer money. You can pay with paypal and your UK contact could transfer the money to his bank account through paypal. I just received money this way from the US and paid 9 EUR for this. Receiving the funds is as quickly as clicking a button on the paypal site. Transfering it (without costs) t... |
Advantage of credit union or local community bank over larger nationwide banks such as BOA, Chase, etc.? | Banks, the big ones, have shareholders and the board to answer to. Credit Unions have members and the board to answer to. You become a member by joining a CU. Banks' prime objective is profit maximization, a credit union's prime objective is members' welfare. Personal experience: I didn't mind that the banks charge... |
For a car, would you pay cash, finance for 0.9% or lease for 0.9%? | If you want the new car, pay cash for it. Here's why: By paying cash for the car, you immediately save $2,500 off the price of the car. That is not insignificant, it's 8.3% off. By paying cash, you'll never be upside down on the car, and you can sell the car anytime you want. You said that all you need to do is beat ... |
Cons of withdrawing money from an Roth IRA account? | In a year with no income, the best advice is to convert existing IRA money to Roth. This lets you take advantage of the 'zero' bracket, the combination of your exemption and standard deduction. This adds to $10,300 for a single person. Other than that, if you are determined to take the money out, just do it. There wou... |
Potential pitfalls of this volume trading strategy | I wouldn't be turned off due to the difficult of parsing English, for a few reasons. Firstly, you don't have to perfectly parse to find meaning. You can look for keywords and write some algorithms to approximate, and of course if you get enough of a statistical advantage (and can repeat it) you can make money. Second,... |
Why is it not a requirement for companies to pay dividends? | The shareholders have a claim on the profits, but they may prefer that claim to be exercised in ways other than dividend payments. For example, they may want the company to invest all of its profits in growth, or they may want it to buy back shares to increase the value of the remaining shares, especially since dividen... |
ESPP advantages and disadvantages | You should always always enroll in an espp if there is no lockup period and you can finance the contributions at a non-onerous rate. You should also always always sell it right away regardless of your feelings for the company. If you feel you must hold company stock to be a good employee buy some in your 401k which ha... |
Homeowners: How can you protect yourself from a financial worst-case scenario? | Honestly, the best way to manage this risk is to manage your savings appropriately. Many experts recommend that maintain a reasonably liquid account with 6-9x your minimum monthly expenses for just this occurrence. I know, easier said than done. Right? As for insurance, I can only speak for what is the case in the US. ... |
Paying for things on credit and immediately paying them off: any help for credit rating? | One of the factors of a credit score is the "length of time revolving accounts have been established". Having a credit card with any line of credit will help in this regard. The account will age regardless of your use or utilization. If you are having issues with credit limits and no credit history, you may have troubl... |
Selling put and call Loss Scenario Examples | Here's a simple example for a put, from both sides. Assume XYZ stock trades at $200 right now. Let's say John writes a $190 out of the money put on XYZ stock and sells this put to Abby for the premium, which is say $5. Assume the strike date, or date of settlement, is 6 months from now. Thus Abby is long one put opti... |
Why don't banks allow more control over credit/debit card charges? | A few years ago I had a US bank credit card that was serviced (all support, website, transaction issues) handled by FIA Card Services (part of Bank of America). I could create one-use credit card numbers, or time-limited (for example, 3 months) numbers. I could also create ("permanent)) extra card numbers. All of the... |
Credit card transactions for personal finances | Other responses have focused on getting you software to use, but I'd like to attempt your literal question: how are such transactions managed in systems that handle them? I will answer for "double entry" bookkeeping software such as Quicken or GnuCash (my choice). (Disclaimer: I Am Not An Accountant and accountants wil... |
Is it worth buying real estate just to safely invest money? | No one has addressed the fact that your loan interest and property taxes are "deductible" on your taxes? So, for the first 2/3 years of your loan, you will should be able to deduct each year's mortgage payment off your gross income. This in turn reduces the income bracket for your tax calculation.... I have saved 1000... |
What does a CFP do? | A Certified Financial Planner has passed a licensing exam and will advise you and help you reach your financial goals. A good CFP can help you a lot, especially if you are unsure how to set up your insurance, investment, savings, and financial plans on your own. You do not need a CFP to get a life insurance policy. If ... |
How to save money on currency conversion | If you want to convert more than a few thousand dollars, one somewhat complex method is to have two investment accounts at a discount broker that operations both in Canada and the USA, then buy securities for USD on a US exchange, have your broker move them to the Canadian account, then sell them on a Canadian exchange... |
Consolidate my debt? Higher APR, but what does that actually mean? | Your question indicates you really don't have a good grasp on personal finance. you might want to read a book or two. I'd recommend attending Financial Peace University, but my buddy Joe Taxpayer would throw an egg at me for that. Please take some sort of class. In the mean time, here is your plan: Pay this off do ... |
Mortgage or not? | A primary residence can be an admirable investment/retirement vehicle for a number of reasons. The tax savings on the mortgage are negligible compared to these. A $200,000 mortgage might result in a $2000 annual savings on your taxes -- but a $350,000 house might easily appreciate $20,000 (tax free!) in a good year. S... |
List of Investments from safest to riskiest? | With every caveat that Rick said plus many many more lets have some fun. One common way to measure risk is volatility of returns roughly how much the value of your asset jumps around. Interestingly, the following ordering is fairly similar for many other common measures of risk. The first three on the list would be m... |
Advice for a college student interested in investment opportunities. | Over a period of time most mutual funds do not perform better that an index fund. Picking and buying individual stock can be a great learning experience. |
How does a change in market cap affect a company's operational decisions? | In practical terms, it shouldn't. Market cap changes every day (assuming public trading, of course) or even second-by-second, and focusing on investor sentiment toward your company's stock is not the wisest way to make strategic decisions. That being said, company execs do need to be mindful of unusual swings in their... |
IS it the wrong time to get into the equity market immediately after large gains? | Past results are not a predictor of future results. There is no explicit upper bound on a market, and even if individual companies' values were remaining unchanged one would expect the market to drift upward in the long term. Plus, there's been some shift from managing companies for dividends to managing stocks for gr... |
Is it a good practice to keep salary account and savings account separate? | There is no "should", but I am strongly of the view that if you have savings of several months' salary or more, they should not only be in a separate account, but with a separate financial institution, or even split between two others. A fraction of a percent of extra interest is scant reward for massively increased pe... |
Why will the bank only loan us 80% of the value of our fully paid for home? | Banks and lenders have become a bit more conservative since the housing crisis. 80% is a typical limit. The reason is to minimize the lender's risk if declining property values would put the borrower upside-down on the loan. http://www.bankrate.com/finance/home-equity/how-much-equity-can-you-cash-out-of-home.aspx |
Is there any circumstance in which it is necessary to mark extra payments on a loan as going to “principal and not interest”? | I had a car loan through GMAC and extra money was applied to future payments. At one point, I received a statement telling me I had 15 months until my next payment was due because I had not marked extra payments as going to principal. |
How would I go about selling the stock of a privately held company? | The easiest way to find a buyer should be to ask the company to connect you to some of their other shareholders. I imagine they are much more likely to take those shares off you than a random investor on the street. Otherwise, well, talk to people. At a golf club, maybe? :) Valuation is not going to be very straightfor... |
Tax me more: Can I pay extra to the government so I don't have to deal with all this paperwork? | Currently, the answer is no, you cannot get out of filing a tax return. As noted in the comments, if you want to pay more to get out of the drudgery of working on your return, you can pay an accountant to do it for you. You are not alone in thinking that the current income tax system in the U.S. is overly complicated.... |
Why is being “upside down” on a mortgage so bad? | Being underwater a little is not all that scary, but those who talk of being underwater are typically underwater by quite a lot. The amount of money they owe is large compared to their yearly income. Consider a metaphor. I put you in a hole. Its only 1 foot deep. You're not too concerned. If you want to leave, you... |
Which practice to keep finances after getting married: joint, or separate? | Here are the main ways of doing this that I've encountered. I've met advocates of each. You might be interested in this set of articles: http://www.slate.com/id/2281885/ which looks at some different ways of doing this and the financial - and other - effects. |
New company doesn't allow 401k deposits for 6 months, what to do with money I used to deposit? | Two options not mentioned: -No information about your emergency fund in your question. If you don't have 6 months of expenses saved up in a "safe" place (high yield savings account or money market fund) I'd add to that first. -Could you auto-withdraw the amount over six months, then when you can start contributing, con... |
Why is auto insurance ridiculously overpriced for those who drive few miles? | because it cost the insurer more, obviously. while this sounds snarky, it's important to realize that actual insurance companies set their insurance rates based on actual historical costs. for some reason people who report low miles have cost the company more dollars per reported mile than people who report high miles.... |
What factors make someone buy or sell a stock? | Stock price is determined by the buyers and sellers, correct? Correct! "Everything is worth what its purchaser will pay for it"-Publius Syrus What causes people to buy or sell? Is it news? earnings? stock analysis and techniques? All of these things influence investors' perception of how much a stock is worth. If AMZN ... |
Fundamentals of creating a diversified portfolio based on numbers? | Your question is a complex one because knowledge of the investor's beliefs about the market is required. For almost any quantitative portfolio, one must have a good estimate of the expected return vector and covariance matrix of the assets in question. The expected return vector, in particular, is far from estimable.... |
Working as a freelancer overseas, but US Citizen, what is my tax situation? | This person must pay taxes in both the overseas country and in the U.S. This is unusual; generally, only the U.S. demands this. Depending on the specific country, he would likely not be taxed twice as the U.S. generally recognises tax paid in a different country. Note there are some gotchas, though. For example, althou... |
Debit cards as bad as credit cards? | Debit cards are the dumbest development ever. I now have a piece of plastic that allows any yahoo to cause me to bounce my mortgage. Great. Throw away the debit card. Use a credit card and exercise some self control. Take out a sufficient amount of cash to cover your weekly incidental expenses under $50. If you want so... |
Malaysian real estate: How to know if the market is overheated or in a bubble? | I am also from Malaysia and I just purchase a property around Klang Valley area. Property market is just like share market. You will never know when is the highest peak point and when is the lowest peak point. Yes. Not only you, but everyone of us. What I would say that, just buy according to your need and your financi... |
Creating S-Corp: Should I Name My Wife as a Director/Shareholder? | If you're creating an S-Corp for consulting services that you personally are going to provide, what would it give her to have 50% of the corporation when you're dead? Not to mention that you can just add it to your will that the corporation stock will go to her, and it will be much better (IMHO, talk to a professional)... |
Why are U.S. credit unions not open to everyone? | Credit unions are mutually-owned (i.e. customer owned) financial institutions that provide banking services. They take deposits from their members (customers) and loan them to other members. Members vote on a board of directors who manage operations. They are considered not-for-profit, but they pay interest on depo... |
Got charged ridiculous amount for doctor's walk in visit. What are my options? | You should start by calling the clinic and asking them to tell you how the visit was coded. Some clinics have different billing codes based on the complexity of the visit. If you have one thing you are seeing the doctor about, that could be coded differently than if you have 4 things you are seeing the doctor about. In... |
When should I open a “Line of credit” at my bank? | The only really good reason to open a line of credit is that you want to buy something that you don't have money for. That's got its own risks - see plenty of other places to see warnings about not borrowing too much. The only other reason is that you might want to use a line of credit as your emergency fund. The usual... |
How can home buying be considered a sound investment with all of that interest that needs to be paid? | I'm going to start with your title question: How can home buying be considered a sound investment with all of that interest that needs to be paid? If taken literally, this is a loaded question because if you pay cash for a home, you don't pay any interest. Furthermore, if your interest rate is 3% for 10 years you won't... |
I've got $100K to invest over the next 2 to 7 years. What are some good options? | One of the things I would suggest looking into is peer-to-peer lending. I do lendingclub.com, but with a lot less money, and have only done it a short period of time. Still my return is about 13%. In your case you would probably have to commit to about 3.5 years to invest your money. Buy 3 year notes, and as they ar... |
How come we can find stocks with a Price-to-Book ratio less than 1? | Book value = sell all assets and liquidate company . Then it's the value of company on book. Price = the value at which it's share gets bought or sold between investors. If price to book value is less than one, it shows that an 100$ book value company is being traded at 99$ or below. At cheaper than actually theoretic... |
Restricting a check from being deposited via cell phone | No, most check deposits are processed that way. Banks transmit the pictures of the checks between themselves, and allow business customers to deposit scans for quite some time now. I see no reason for you to be concerned of a check being in a dusty drawer, it's been deposited, cannot be deposited again. If you're conce... |
First time home buyer: Can you withdraw funds from a Roth 401k for a first time home purchase? | The rules are quite different. There is no special home purchase penalty-free withdrawal. In the case that your account has been open for five years, you can withdraw the principal (but not the earnings) without penalty. You may want to talk to a professional for further details. The real question is: why do you wan... |
Nominal value of shares | They are 2 different class of shares belonging to the same company. Class A shares [par value of 0.01] have 100 voting rights per share. Class B shares [par value of 0.0002] have one voting rights. Both are listed separately with different ISN and trade at slightly different values. The Class A at higher value than Cl... |
What are my options to deal with Student Loan debt collectors? | You should hire a lawyer. The fact that they told you your personal information shows that they actually had it, and are not imposters, which is a good thing. The fact that they mislead you means that their intentions are not pure (which is not surprising coming from a collection agency of course). When dealing with co... |
Is there an advantage to a traditional but non-deductable IRA over a taxable account? [duplicate] | This is ideal placement for your allocation to income investments or those with nonqualified dividends: bonds, REITS, MLPS, other partnerships, and so forth. These are all taxed at income rate, generally throw off more income than capital gains, so you get the deferment without losing the cap gains rate. |
Are lottery tickets ever a wise investment provided the jackpot is large enough? | You're asking if lottery ticket can ever produce a positive expected value (EV). The short answer is, "no". There's an interesting article that goes into the details and is heavy on the math and graphs. The key point: Even if you think you have a positive expected value due to the size of the jackpot being larger than ... |
Non-owner car insurance and registration | this is a bit unusual, but not unheard of. i have known more than one car whose owner was not its driver. besides the obvious risk that the legal owner of the car will repossess it, this seems fairly safe. your insurance should cover any financial liability that you incur during an accident. even if the car is repos... |
Why are American Express cards are not as popular as Visa or MasterCard? | My experience is in the United States only. In the past, American Express marketed its products as more exclusive and prestigious than other cards. There was an attempt to give the impression that cardholders were more qualified financially. In return, fees were higher both to merchants and to cardholders. At the ti... |
Does high frequency trading (HFT) punish long-term investment? | I disagree strongly with the other two answers posted thus far. HFT are not just liquidity providers (in fact that claim is completely bogus, considering liquidity evaporates whenever the market is falling). HFT are not just scalping for pennies, they are also trading based on trends and news releases. So you end up ha... |
What can I replace Microsoft Money with, now that MS has abandoned it? | hledger is a free software, cross-platform double-entry accounting tool I've been working on for a while. It has command-line and web-based interfaces to your local data, and some other interesting features. There's also ledger (http://wiki.github.com/jwiegley/ledger/) which is command-line only. These are.. different,... |
Hypothetical: can taxes ever cause a net loss on otherwise-profitable stocks? | The original post's $16 has two errors: Here is the first scenario: . Tax Liability($) on Net . Cash # of Price Paper Realized Value Time: ($) Shares ($/sh) Profits Profits ($) 1. Start with: ... |
How long to wait after getting a mortgage to increase my credit limit? | I'm not sure what raising your credit limit would do to your score in the short term. I don't think it's a clear win, though. Your percent utilization will go down (more available credit for the same amount of debt) but your available credit will also go up, which may be a negative, since potentially you can default ... |
Having a separate bank account for business/investing, but not a “business account?” | You don't specify which country you are in, so my answers are more from a best practice view than a legal view.. I don't intend on using it for personal use, but I mean it's just as possible. This is a dangerous proposition.. You shouldn't co-mingle business expenses with personal expenses. If there is a chance this w... |
In general, is it financially better to buy or to rent a house? | Which is generally the better option (financially)? Invest. If you can return 7-8% (less than the historical return of the S&P 500) on your money over the course of 25 years this will outperform purchasing personal property. If you WANT to own a house for other reason apart from the financial benefits then buy a house.... |
Is it possible to improve stock purchase with limit orders accounting for volatility? | There is no such thing as buying at the best price. That only exists in hindsight. If you could consistently predict the lower bound, then you would have no reason to waste your time investing. Quit your job and bet with all leverage in. What if the price never reaches your lower bound and the market keeps rallying? Wh... |
Why would I pick a specific ETF over an equivalent Mutual Fund? | Something to consider is how do you want to handle fractional shares. Most open-end funds can easily go to fractional shares to that if you want to invest $500 in a fund each month, it is a relatively easy transaction where some shares will be fractional and handled easily. An ETF may not always work that way unless yo... |
Canadian personal finance software with ability to export historical credit card transactions? | Yodlee is the back-end which communicates with the banks, and Mint just provide a pretty layer on top. You can sign up for an account with Yodlee directly, which may give you the flexibility you need. |
What are some good ways to control costs for groceries? | All excellent answers. Scott W. already mentioned to look out for sales and many other answers are ways to be smart with portions: don't overbuy, or be smart with bulk buys. But, I'm surprised nobody mentioned one of the things I'd consider obvious about saving money on groceries: coupons! Coupons can save cash. We... |
How do you write a check with cents? | In the US, Section 3.114 of the Uniform Commercial Code sets the rules for how any confusion in checks or other business transactions is handled: “If an instrument contains contradictory terms, typewritten terms prevail over printed terms, handwritten terms prevail over both, and words prevail over numbers.” If there ... |
Does an option trading below parity always indicate an arbitrage opportunity? | Probably but not necessarily. Your question could also be posed regarding cash & carry for commodities in contango: If I can take delivery on the gold now, short the gold next year and make delivery then, paying the storage fees, is this an arbitrage opportunity? It is in the sense that you know your delivery and the ... |
How to find historical stock price for a de-listed or defunct company? | Such data is typically only available from paid sources due to the amount of research involved in determining the identity of delisted securities, surviving entities in merger scenarios, company name changes, symbol changes, listing venue changes, research of all capital events such as splits, and to ensure that the da... |
How are startup shares worth more than the total investment funding? | What littleadv said is correct. His worth is based on the presumed worth of the total company value (which is much greater than all investment dollars combined because of valuation growth)*. In other words, his "worth" is based on the potential return for his share of ownership at a rate based on the latest valuation ... |
Does a bond etf drop by the amount of the dividend just like an equity etf | It may be true for a bond fund. But it is not true for bond etf. Bond etf will drop by the same amount when it distribute dividend on ex-dividend date. |
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