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Do algorithmic trading platforms typically have live-data access to stock data? | Algorithmic trading doesn't necessarily require live feeds. It is a very generic term describing trading based on the decisions made by a machine and not a person. One very prominent type of algo-trading is "high frequency trading". For HFT to be effective, not only do you need live feeds (which are provided by the exc... |
Is it practical to take actual delivery on a futures contract, and what is the process? | Not all futures contracts are deliverable. Some futures are specified as cash settlement only. In the case of deliverable contracts, part of the specification of a futures contract will be the delivery locations. As per my answer to your previous question, please see the CME Rulebook for details of delivery points fo... |
Is it a good practice to keep salary account and savings account separate? | Well the idea of 'good practice' is subjective so obviously there won't be an objectively correct answer. I suspect that whatever article you read was making this recommendation as a budgeting tool to physically isolate your reserve of cash from your spending account(s) as a means to keep spending in check. This is a c... |
Is it better to use DRIP or invest when stock drops before ex-date? | The benefit of a dividend reinvestment program is you, generally, don't pay transaction costs or commissions and you don't have to remember to do it. Whether or not you may be able to eek out a little more by managing this yourself is a crapshoot and the equivalent of timing the market. If you're so good at timing t... |
How much of each stock do index funds hold? | An index fund is just copying the definition of an index. The group that defines the index determines how to weight the different parts of the index. The index fund just makes sure they invest the same way the index creator wants. Think of a non-investment scenario. A teacher can grade tests, quizzes, homework, in-cla... |
What to do when a job offer is made but with a salary less than what was asked for? | If you take less than you think you are worth, you will hate that job with a purple passion in short order. Either make peace with the amount you settle on or move on. |
Credit and Debit | In view of business, we have to book the entries. Business view, owner and business are different. When capital is invested in business by owner, in future business has to repay it. That's why, capital always credit. When we come about bank (business prospective) - cash, bank, fd are like assets which can help in the... |
If a company goes private, does it still count as a capital gain/loss? | does it still count as a capital gain or loss? Yes. Is it essentially treated like you sold the stock at the price of the buy-out? Yes. Do you still get a 1099-B from your broker? Yes. |
Why is there so much variability on interest rate accounts | Pay attention to nickel-and-dime charges (atm fees, low balance fees, limit on atm transactions per month, charge for human teller transaction, charge for paper statements or tax records). Consider that a financial company will spend on the order of $100-500 to sign up a good customer. Are you getting this in a cash ... |
How will a 1099 work with an existing W-2? | You can do either a 1099 or a W-2. There is no limitations to the number of W-2s one can have in reporting taxes. Problems occur, with the IRS, when one "forgets" to report income. Even if one holds only one job at a time, people typically have more than one W-2 if they change jobs within the year. The W-2 is the si... |
How secure is my 403(b)? Can its assets be “raided”? | I assume you get your information from somewhere where they don't report the truth. I'm sorry if mentioning Fox News offended you, it was not my intention. But the way the question is phrased suggests that you know nothing about what "pension" means. So let me explain. 403(b) is not a pension account. Pension account i... |
Can gold prices vary between two places or country at the same time? | Most of the gold prices at international markets are USD denominated. Hence the prices would be same in international markets where large players are buying and selling. However this does not mean that the prices to the individuals in local markets is same. The difference is due to multiple things like cost of physical... |
What exactly is the profit and loss of a portfolio? | When we 'delta-hedge', we make the value of a portfolio 0. No - you make the risk relative to some underlying 0. The portfolio does have a value, but if whatever underlying you're hedging against changes slightly the value of your portfolio should not change. But, what is the derivative of a portfolio? It's the inst... |
What are the financial advantages of living in Switzerland? | Switzerland was once known for its high regard for private property rights. Recently it is has started to violate those rights by forcing banks to turn over the names of account holders to the US government. Not a great trend. Another aspect that makes Switzerland an attractive place for people and businesses is the ... |
Short an option - random assignment? | You've described the process fairly well. It's tough to answer a question that ultimately is 'how is this fair?' It's fair in that it's part of the known risk. And for the fact that it applies to all, pretty equally. In general, this is not very common. (No, I don't have percents handy, I'm just suggesting from decade... |
Will an ETF immediately reflect a reconstitution of underlying index | AAPL will not drop out of NASDAQ100 tomorrow. From your own quote: The fund and the index are rebalanced quarterly and reconstituted annually |
Auto loan and student loan balance | So, in general, pay to the higher interest rate. Some contrived reasons you would want to pay your auto loan more could be: |
Where can I trade FX spot options, other than saxobank.com? | Oanda.com trades spot forex and something they call box options, it's not quite what you are looking for, but maybe worth looking up. |
Why does gold have value? | A lot of people probably don't agree with him, but Warren Buffett has some great quotes on why he doesn't invest in gold: I will say this about gold. If you took all the gold in the world, it would roughly make a cube 67 feet on a side…Now for that same cube of gold, it would be worth at today’s market prices about... |
How can foreign investor (residing outside US) invest in US company stocks? | As other people have said they should register with a broker in the country they reside in that can deal in US stocks, then fill out a W8-BEN form. I have personally done this as I am from the Uk, it's not a very complicated process. I would assume that most US brokers don't allow foreign customers due to the person ha... |
Quantiative Easing fuels stock markets, but why? | There's a premium or discount for various stocks subject to influence by the alternatives available to investors, meaning investments are susceptible to the principle of supply and demand. This is easily seen when industries or business models get hot, and everybody wants a tech company, a social media company, or a so... |
Is losing money in my 401K normal? | My two cents: I am a pension actuary and see the performance of funds on a daily basis. Is it normal to see down years? Yes, absolutely. It's a function of the directional bias of how the portfolio is invested. In the case of a 401(k) that almost always mean a positive directional bias (being long). Now, in your case I... |
Ghana scam and direct deposit scam? | The scammer is definitely up to something fishy. He (it's certain that the she is a he) may deposit some money into your father's account to gain his trust. After which, he will propose to come meet your dad. That's where the scamming begins. He will come up with a story about flight, VISA issues, or a problem he has t... |
How smart is it to really be 100% debt free? | If you can borrow for an asset that gives you income that's more than the cost of carrying the debt, then go for it. But the kinds of debts you have now aren't those kinds of debt, so get rid of them. |
My landlord is being foreclosed on. Should I confront him? | Verbal agreements are not legally binding. Unless you have signed a new lease agreement, you are not obligated to continue renting the property - you are free to go. On the other hand, if you really like the place and want to stay, you should sign another lease agreement. This agreement will be binding on whomever own... |
How will I pay for college? | First, it's clear from your story that you very likely should be able to receive some financial aid. That may be in the form of loans or, better, grants in which you just get free money to attend college. For example, a Pell grant. You won't get all you'd need for a free ride this way, but you can really make a dent... |
Good/Bad idea to have an ETF that encompasses another | Let's simplify things by assuming you only own 2 stocks. By owning VOO and VTI, you're overweight on large- and mid-cap stocks relative to the market composition. Likewise, by owning VTI and VT, you're overweight on U.S. stocks; conversely, by owning VXUS and VT, you're overweight on non-U.S. stocks. These are all perf... |
Why is property investment good if properties de-valuate over time? | I just read this: Housing and inflation Adjusted for inflation the price of a house has increased a miniscule amount. A better investment would be an ETF that buys REIT stocks. You would be investing in real estate but can cash in and walk away at any time. Here is a list of mREITs: Stockchart of REITs |
Does an index have a currency? | There's no need for an index to have a currency as its purpose is not to act as an asset but rather to signal investors about the performance of a collection of stocks. An index can be price-weighted, meaning that its value equals the (arithmetic) average of the prices of each stock in the index. With no stock splits, ... |
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... |
Early Retirement Options (UK) | Some people put money into Venture Capital Trusts for the yields they offer. The risks are different and they are considered higher risk than ordinary equities; you need to be a sophisticated investor or high net worth individual to consider them. https://www.wealthclub.co.uk/articles/investment-news/why-i-never-sold-v... |
Did my salesman damage my credit? What can I do? | At one point in my life I sold cars and from what I saw, three things stick out. Unless the other dealership was in the same network, eg ABC Ford of City A, and ABC Ford of City B, they never had possession of that truck. So, no REAL application for a loan could be sent in to a bank, just a letter of intent, if one wa... |
What is a typical investment portfolio made up of? | An investment portfolio is typically divided into three components: All three of those can be accessed through mutual funds or ETFs. A 401(k) will probably have a small set of mutual funds for you to pick from. Mutual funds may charge you silly expenses if you pick a bad one. Look at the prospectus for the expense rati... |
Purpose of having good credit when you are well-off? | I have never had a credit card and have been able to function perfectly well without one for 30 years. I borrowed money twice, once for a school loan that was countersigned, and once for my mortgage. In both cases my application was accepted. You only need to have "good credit" if you want to borrow money. Credit score... |
Student loan payments and opportunity costs | My recommendation would be to pay off your student loan debt as soon as possible. You mention that the difference between your student loan and the historical, long-term return on the stock market is one-half percent. The problem is, the 7% return that you are counting on from the stock market is not guaranteed. You ... |
W2 vs 1099 Employee status | In general What does this mean? Assume 10 holidays and 2 weeks of vacation. So you will report to the office for 240 days (48 weeks * 5 days a week). If you are a w2 they will pay you for 260 days (52 weeks * 5 days a week). At $48 per hour you will be paid: 260*8*48 or $99,840. As a 1099 you will be paid 240*8*50 or... |
JCI headache part 2: How to calculate cost basis / tax consequences of JCI -> ADNT spinoff? | I am using the same logic as the two answers above. I got almost the same result ($46.60 instead of $46.59 per share) using the sold fractional share basis. However, the JCI Qualified Dividend (on the 1099-DIV, not the 1099-B) divided by the number of shares spun off yields a basis per share of only $40.97 That compare... |
When can you use existing real estate as collateral to buy more? | You put 20% down and already owe the 80% or $80k, so you don't have the ability to borrow $100k or even $20k for that matter. As LittleAdv stated, the banks have really tightened their lending criteria. Borrowing out more than 80% carries a high premium if you can get it at all. In your example, you want the property ... |
Merits of buying apartment houses and renting them | Carnegie Mellon University (CMU) and the University of Pittsburgh (Pitt) have different end of term dates but by less than a month. Both have summer sessions, but most students do not stay over the summer. You can rent over the summer, but prices fall by a lot. Thirty to forty thousand students leave over the summer... |
What are the ins/outs of writing-off part of one's rent for working at home? | Tax regulations vary from country to country - some permitting more deductions, some less - but here are a few guidelines. As regards the home-office: As regards the deductions: Think of it like this: in order to have space for a home-office you needed a bigger home. That leads to increased rates, heating, insurance a... |
What are some way to transfer money from Hong Kong to India on a monthly basis? | Western Union, Money to India, Remit to India are some of the services that specilize in remittance and would be cheaper than an International Wire. There is not tax for transfering your own money earner outside India into India. Edit: The business of Remittance is bought into the Service Tax Net by Govt. It is seen... |
How is stock price determined? | The answer to each of your questions is no. It is important to appreciate that the "quoted" ticker price may be delayed by say 15 minutes, and thus is not "real-time." |
What is the effect of options expiration on equity pricing? | Institutions and market makers tend to try and stay delta neutral, meaning that for every options contract they buy or write, they buy or sell the equivalent underlying asset. This, as a theory, is called max pain, which is more of an observation of this behavior by retail investors. This as a reality is called delta h... |
Value of a call option spread | You have to look at the real price of the share to calculate the value of the spread. 42$ at the start, 46$ at the end. Think of it this way: When price was 42$ the call 45$ was out of the money, worth 100$ of time value only=100 the call 40$ was in the money and worth 200$ of intrinsic + 100 time value=300 the differ... |
Why don't SPY, SPX, and the e-mini s&p 500 track perfectly with each other? | The S&P 500 is an index. This refers to a specific collection of securities which is held in perfect proportion. The dollar value of an index is scaled arbitrarily and is based off of an arbitrary starting price. (Side note: this is why an index never has a "split"). Lets look at what assumptions are included in the pr... |
How to reduce mortgage rate with low income but high assets | The bit I don't quite understand is why you are thinking about staying in debt in the first place - you're basically thinking about shuffling around assets and liabilities in order to stay in debt? I think what I would do in your situation is to liquidate enough of the investments you have and pay off the mortgage. Thi... |
How do I invest and buy/sell stocks? What does “use a broker” mean? | Very simple. You open an account with a broker who will do the trades for you. Then you give the broker orders to buy and sell (and the money to pay for the purchases). That's it. In the old days, you would call on the phone (remember, in all the movies, "Sell, sell!!!!"? That's how), now every decent broker has an onl... |
Credit cards: How is a cash advance different from a purchase? Why are the fees so high? | Essentially speaking, when you purchase goods worth $100 using your card, the store has to pay about $2 for the transaction to the company that operates that stores' credit card terminal. If you withdraw cash from an ATM, you might be charged a fee for such a transaction. However, the ATM operator doesn't pay the cred... |
Is it worth it to reconcile my checking/savings accounts every month? | My wife and I are paid every two weeks. I go on line see the exact deposit, add it to register, and see what checks cleared. In effect, I reconcile twice per month, and the statement can't be different that what their system tells me. Since the online site shows "last statement balance" I feel there's no need to bother... |
What part of buying a house would make my net worth go down? | Houses depreciate. Period. Things break: the hot water heater explodes, the AC cuts out in August, the roof leaks, the basement floods, toilets back up, raccoons dig up the garden. Each time something breaks, the house loses value. Every year the paint fades a little, the house loses value. Every time GE comes out with... |
What do people mean when they talk about the central bank providing “cheap money”? What are the implications for the stock market? | Newspapers write a lot about the central bank stopping "cheap money" in the US. What is that exactly and what are the implications for the stock market? An interest rate is simply defined as the price of money. So if money is cheap, it must mean there is a low interest rate compared to normal. If milk is cheap, we're... |
How are long term capital gains taxes calculated? | Capital gains taxes for a year are calculated on sales of assets that take place during that year. So if you sell some stock in 2016, you will report those gains/losses on your 2016 tax return. |
Why do 10 year-old luxury cars lose so much value? | The answer is very simple. Part of the luxury is having the cutting edge technology with the very latest features. The price premium is not just from increased build quality; it's simply a perception. Additionally, 10 years takes its toll on a car. The smooth suspension gets rougher over time, and all the little featur... |
Which shareholders cause news-driven whole market stock swings? | News-driven investors tend to be very short-term focussed investors. They often trade by using index futures (on the S&P 500 index for instance). |
Are Index Funds really as good as “experts” claim? | Picking yourself is just what all the fund managers are trying to do, and history shows that the majority of them fails the majority of the time to beat the index fund. That is the core reason of the current run after index funds. What that means is that although it doesn’t sound so hard, it is not easy at all to beat ... |
What cost basis accounting methods are applicable to virtual currencies? | The only "authoritative document" issued by the IRS to date relating to Cryptocurrencies is Notice 2014-21. It has this to say as the first Q&A: Q-1: How is virtual currency treated for federal tax purposes? A-1: For federal tax purposes, virtual currency is treated as property. General tax principles applicable to p... |
How it actually works? Selling a call on a stock I hold, but has done poor, might the market thinks may rise | What you are proposing is called a "covered call" strategy. It is a perfectly reasonable speculative play on how far the stock will move within a certain amount of time. If your belief that the stock's volatility is such that it is unlikely to reach the strike price before the maturity is greater than the markets (wh... |
What does “issued XXX and YYY shares” mean? | authorized 100,000,000 shares They cannot issue shares more than that so 102M isn't possible. Common stock - $.01 par value, authorized 100,000,000 shares, issued 51,970,721 and 51,575,743 shares If you look at the right 2 columns it become clear what it means. You missed the $ symbol and on the top (In thousands, ... |
Supply & Demand - How Price Changes, Buy Orders vs Sell Orders [duplicate] | For every buyer there is a seller. That rule refers to actual (historical) trades. It doesn't apply to "wannabees." Suppose there are buyers for 2,000 shares and sellers for only 1,000 at a given price, P. Some of those buyers will raise their "bid" (the indication of the price they are willing to pay) above P so that ... |
How would one follow the “smart money” when people use that term? | To supplement Ben's answer: Following 'smart money' utilizes information available in a transparent marketplace to track the holdings of professionals. One way may be to learn as much as possible about fund directors and monitor the firms holdings closely via prospectus. I believe certain exchanges provide transaction... |
Are Forex traders forced to use leverage? | I recommended Currency Trading For Dummies, in my answer to Layman's guide to getting started with Forex (foreign exchange trading)? The nature of the contract size points toward only putting up a fraction of the value. The Euro FX contract size is 125,000 Euro. If you wish to send the broker US$125K+ to trade this co... |
Got charged ridiculous amount for doctor's walk in visit. What are my options? | To answer the specific question of whether you can get the bill reduced without hurting your credit, yes, as long as the bill never goes to collections, there's no reason it should ever show up on your credit report. Will they reduce your bill without sending it to collections first? Maybe. All you can do is ask. |
Paid cash for a car, but dealer wants to change price | I had a similar situation when I was in college. The difference was that the dealer agreed to finance and the bank they used wanted a higher interest rate from me because of my limited credit history. The dealer asked for a rate 5 percentage points higher than what they put on the paperwork. I told them that I would no... |
How do I find the mappings between sedol and isin codes? | There is a relatively straightforward transformation explained on the Wikipedia page here and on the links from that page. Note that this only applies to SEDOLs for instruments listed on the London Stock Exchange (LSE). To convert SEDOL to ISIN you pad leading zeroes onto the SEDOL until you have 9 digits. Then you a... |
How to quickly track daily cash expenses that don't come with a receipt? | Go the opposite approach. Budget a certain amount of cash and keep it combined. Don't exceed it (but next time budget more if you need to). If you were in the USA (where card acceptance is near universal) what I do is simply use my visa check card for all purchases and download it to my personal finance software, w... |
Can I buy only 4 shares of a company? | I'm not sure it is the best idea, but you can buy only 4 stocks generally. As you alluded to, you should take notice of the fees. Also note that many stocks trade at significantly lower prices than Apple's per shares, so you might want to factor that into your decision. You could probably get a better feel for trans... |
How does compounding of annual interest work? | Here's how I have worked it out. Different answer to the one expected. Pretty sure it's right though. |
5/1 ARM: Lifetime cap, First Adjustment Cap, Margin, and Annual Cap? | You quote a rate (2.75%) and then quote a margin (1.75%). The margin is usually an addition to some base rate. How is the margin expressed in the figures you have? Is it included in the rate, or in addition to it? As for the other stuff, it looks like the rate can go up at most 1% per year, up to a maximum of 5% inc... |
Should Emergency Funds be Used for Infrequent, but Likely, Expenses? | Which of these categories are emergency funds meant to cover? Emergency funds are for emergencies, which to me means expenses that are unanticipated and can't be covered out of "normal" cash-flow. Oil changes are not an "emergency" and should be part of your normal budget. Car/house repairs and doctor visits might be... |
What effect does a company's earnings have on the price of its stock? | No, the stock market is not there for speculation on corporate memorabilia. At its base, it is there for investing in a business, the point of the investment being, of course, to make money. A (successful) business earns money, and that makes it valuable to its owners since that money can be distributed to them. Sha... |
How can I buy shares of oil? I'm told it's done through ETFs. How's that related to oil prices per barrel? | While we're not supposed to make direct recommendations, and I am in no way advising anything, USO an ETF that buys light sweet crude oil futures with the intention of mirroring the price movements of oil. |
I received $1000 and was asked to send it back. How was this scam meant to work? | This is a very trivial scam. Flow is like this: Send money to Mr. X (you, in this case). Call Mr. X and ask for the money back, because mistake. Usually they ask for a wire transfer/cash/gift cards/prepaid cards or something else irreversible/untraceable. Mr. X initiates transfer back to Scammer. Accept the transfer fr... |
What are pros and cons of volatility trading over directional stock trading | Can't totally agree with that. Volatility trading is just one trading type of many. In my opinion it doesn't depend on whether you are a professional trader or not. As you might have heard, retail traders are said to create 'noise' on the market, mainly due to the fact that they aren't professional in their majority. ... |
Buying a home with down payment from family as a “loan” | I'll compare it to a situation that is different, but will involve the same cash flow. Imagine the buyer agrees that you buy only 70% of the house right now, and the remaining 30% in 7 years time. It would be obviously fair to pay 70% of today's value today, pay 30% of a reasonable rent for 7 years (because 30% of th... |
implementation of risk managed momentum strategy | The paragraph before on page 115 states: Scaling corresponds to having a weight in the long and short legs that is different from one and varies over time, but the strategy is still self-financing. Meaning that the long and short positions are no longer equal due to weighting one side more highly than the other. Th... |
Tenant wants to pay rent with EFT | You can consider opening accounts either in Paypal or Google Wallet. In this way, you link your bank information to these accounts and the only information you need to provide your tenant is your e-mail id. Its safe and in this scenario -- just money transfer through bank account, there is no fee either for the sender ... |
Ethics and investment | Markets are amoral. If you don't buy stock in a company that has high growth/earnings, someone else will. By abstaining you will actually make it cheaper for someone else who is interested in making money. Investing in "socially responsible" funds will only ensure that you have less money to make a moral difference in... |
Is there such a thing as a deposit-only bank account? | Legally, no one else can withdraw from your account. If you suspect the direct-deposit websites are making withdrawals, you can monitor your account balance and dispute any transactions that were not made by you. But realistically, any company that did that would soon be out of business and in so much legal trouble tha... |
Tax me more: Can I pay extra to the government so I don't have to deal with all this paperwork? | Perhaps the real question you are asking is "How can the tax code be fixed to make it simple for everyone (including me), and what would it take to effect those changes"? There are really two causes for the complexity of the tax code. Many of those who enter Government hold a desire for power, and Government uses the t... |
Mortgage loan implications when tearing down existing house and building new one? | You would probably be best off checking through your loan documents to see if anything is listed in it in regards to tearing down the existing house. Likely it is not allowed. Thinking about it logically, the house is collateral for the mortgage, and you are wanting to destroy the collateral. I would expect the bank wo... |
Accepting high volatility for high long-term returns | Modern portfolio theory dramatically underestimates the risk of the recommended assets. This is because so few underlying assets are in the recommended part of the curve. As investors identify such assets, large amounts of money are invested in them. This temporarily reduces measured risk, and temporarily increases ... |
How might trading volume affect future share price? | You can't tell for sure. If there was such a technique then everyone would use it and the price would instantly change to reflect the future price value. However, trade volume does say something. If you have a lemonade stand and offer a large glass of ice cold lemonade for 1c on a hot summer day I'm pretty sure you'l... |
How to categorize credit card payments? | Using the Transfer category is the best place to put these categories, as that accurately reflects what the transaction is. If you have your credit card and bank account linked in Mint, the debit and credit to both accounts will net to $0 in the category. I would not recommend using "Hide from budget and trends" as so... |
What could cause a stock to trade below book value? | A company's stock value is indicative of the market's collective belief of the future of the company. The relationship of between price and book value will vary according to the quality of the company, the category of stock, etc. In extreme cases, say Bank of America, the stock trades at a fraction of book, because BOA... |
Why might it be advisable to keep student debt vs. paying it off quickly? | I'm no financial advisor, but I do have student loans and I do choose to pay them off as slowly as I can. I will explain my reasoning for doing so. (FWIW, these are all things that pertain to government student loans in the US, not necessarily private student loans, and not necessarily student loans from other countrie... |
Freehold and Leasehold for Pub/Bar? | You should be aware that many pubs in the London (indeed, the UK as a whole) are sold as a leasehold with a beer tie. This typically means you pay less rent for the building and premises, but must enter a contract with the Pub Company to buy their beer and day-to-day supplies. You have the legal option to instead pay m... |
Does it make any sense to directly contribute to reducing the US national debt? | It doesn't make any financial sense for you personally, because the impact on the debt would be so little it would have no significant benefit to you, and you'd be out the money you donated. |
Free brokerage vs paid - pros and cons | The first consideration for the banking part of your portfolio is safety. In the United States that is FDIC protection, or the equivalent for a Credit Union. The second consideration is does it have the level of service you need. For this I mean the location of branches, ATMs, or its online services meet your needs for... |
Should I sell my stocks when the stock hits a 52-week high in order to “Buy Low, Sell High”? | Buy low, sell high. I think a lot of people apply that advice wrongly. Instead of using this as advice about when to buy and when to sell, you should use it as advice about when not to buy and when not to sell. Don't buy when P/Es cannot support the current stock price. Don't sell when stocks have already fallen due to... |
How to acquire skills required for long-term investing? | Far and away the most valuable skill in investing, in my opinion, is emotional fortitude. You need to have the emotional stability and confidence to trust your decision making and research to hold on down days. |
How can I calculate the volatility(standard deviation) of a stock price? and/or ROI (return on investment) of a stock? | the "how" all depends on your level of computer savvy. Are you an Excel spreadsheet user or can you write in programming languages such as python? Either approach have math functions that make the calculation of ROI and Volatility trivial. If you're a python coder, then look up "pandas" (http://pandas.pydata.org/) - it... |
How to keep control of shared expenses inside marriage? | Call me old fashioned, but that sounds less like a marriage and more like a business partnership. Maybe there are business tools that would be useful. |
How could USA defaulting on its public debt influence the stock/bond market? | This is a speculative question and there's no "correct" answer, but there are definitely some highly likely outcomes. Let's assume that the United States defaults on it's debt. It can be guaranteed that it will lose its AAA rating. Although we don't know what it will drop to, we know it WILL be AA or lower. A triple-A... |
Making $100,000 USD per month, no idea what to do with it | Your #1 problem is the Government both in it's form as a taxation outfit and as a 'law and order' outfit. You'd be very surprised at how fast a bank seizes your bank account in response to a court order. Purchase 100 Mexican 50 Peso Gold (1.2 oz/ea). These coins are cheap (lowest cost to get into) and will not be re... |
Is it bad etiquette to use a credit or debit card to pay for single figure amounts at the POS | I would like to offer a different perspective here. The standard fee for a credit card transaction is typically on the order of 30 cents + 2.5% of the amount (the actual numbers vary, but this is the ballpark). This makes small charges frequently unprofitable for small merchants. Because of this they will often have m... |
Can you explain “time value of money” and “compound interest” and provide examples of each? | Compound interest means that the interest in each time period is calculated taking into account previously earned interest and not only the initial sum. Thus, if you had $1000 and invested it so that you'd earn 5% each year, than if you would withdraw the earnings each year you in 30 years you would earn 0.05*30*1000 =... |
Germany: Employee and Entrepreneur at same time (for getting AppStore payments) | (Selling apps is AFAIK business, not freelancing - unless the type of app you produce is considered a freelancing subject. The tax office will give you a questionnaire and then decide). As Einzelunternehmer, you can receive the payments for the apps to the same account where your wages go. However, there are lots of o... |
What should I do with my $10K windfall, given these options? | I think you've got competition on that list for where to put the money - I'd work out which option is costing me the most currently or will cost me the most in the future and take care of it. I'd be willing to bet that Eric is right, though, that it will need to be the roof. Not fixing it could cost you more in the lon... |
Would I qualify for a USDA loan? | Just general advice but you should pay off your credit cards and car loans before buying a house. Or you may be able to add some extra on to the mortgage to pay off your credit card and car debt right away. Credit card interest rates can be ten times the interest rates on mortgages and car loans are not far behind. The... |
Tax on insurance payment due to car deemed as total loss? | Generally you do not pay taxes on insurance payouts that occur because of some kind of loss, provided you paid the premiums yourself. "Generally, if you're paying premiums yourself, such as for homeowners insurance and auto insurance, then your insurance benefits are not a taxable event," says Adam Sherman, CEO of Firs... |
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