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What to do with your savings in Japan | Been here in Japan 12 years mate, and you're right, the investment options here suck. Be very wary of them, they will take all your money in outrageous fees--3% in and 3% out of some "investment" options. It's a scam. Send the money back home and manage it there. I recommend setting up a Vanguard account back in the UK... |
Precious metal trading a couple questions | Limited Price is probably equivalent to the current par value of a "limit order". Markets move fast, and if the commodity is seeing some volatility in the buy and sell prices, if you place an ordinary buy order you may not get the price you were quoted. A "limit order" tells your broker or whomever or whatever is makin... |
Does an owner of a bond etf get an income even if he sells before the day of distribution? | Bond ETFs are traded like normal stock. It just so happens to be that the underlying fund (for which you own shares) is invested in bonds. Such funds will typically own many bonds and have them laddered so that they are constantly maturing. Such funds may also trade bonds on the OTC market. Note that with bond ETFs ... |
Main source of the shares/stocks data on the web | To expand on keshlam's answer: A direct feed does not involve a website of any kind. Each exchange publishes its order/trade feed(s) onto a packet network where subscribers have machines listening and reacting. Let's call the moment when a trade occurs inside an exchange's matching engine "T0". An exchange then publi... |
Financing with two mortgages: a thing of the past? | I doubt it. I researched it a bit when I was shopping for a HELOC, and found no bank giving HELOC for more than 80% LTV. In fact, most required less than 80%. Banks are more cautious now. If the bank is not willing to compromise on the LTV for the first mortgage - either look for another bank, or another place to buy. ... |
Home owners association for houses, pro/cons | I agree with the basic purpose of an HOA. Unlike the poster above Jay, I do believe that people painting their houses purple will definitely affect the value of my house or property. I for one would not want to live next to someone who has a wild purple house, even though it is his right to do so. In saying that I know... |
How do you determine “excess cash” for Enterprise Value calculations from a balance sheet? | 20% is almost certainly too high. I agree with 2%, as a very rough rule. It will vary significantly depending on the industry. I generally calculate an average of the previous 2-3 years working capital, and deduct that from cash. Working capital is Current Assets less Current Liabilities. Current Assets is comprised of... |
What data does a seller receive when I pay by credit card? | It depends on the seller. If the seller wants, they can collect the information from you and send it to the payment gateway. In that case, they of course have everything that you provide at some point. They are not supposed to keep the security code, and there are rules about keeping the credit card number safe. T... |
Why would I want a diversified portfolio, versus throwing my investments into an index fund? | Index funds are well-known to give the best long-term investment. Are they? Maybe not all the time! If you had invested in an index fund tracking the S&P500 at the start of 2000 you would still be behind in terms of capital appreciation when taking inflation into considerations. Your only returns in 13.5 years would ha... |
Does this sound like a great idea regarding being a landlord and starting a real estate empire? | This is a reasonable idea and many people have done it. But there are some risks that you need to mitigate. This is a viable business model, but it is a business and you need to treat it as such and expect to work quite hard at it. |
Does it make sense to buy a house in my situation? | Personally I would hold off on buying a house until you have the credit card paid down even more or paid off completely so that it is one less bill you have to worry about and once it is paid off you free up that much more money to maintain the home. Likewise, you also have a lot of variables right now and the resoluti... |
When should I start saving/investing for my retirement? | Start now. It's a lot easier to save now than it is to start to save later. |
Why should we expect stocks to go up in the long term? | Stock returns cannot be evaluated on its own. You need to take into account inflation and the return of other investment vehicles. Over the long run, you want to earn more than your peers (ie inflation), or lose less than them. Stock lets you buy into the profits of a company managed by others. So the fundamental quest... |
Could one person with a card with no spending limit pay off everyone's debt? | The problem would not only be that of Kyle but also that of American Express. When Kyle pays by credit card, American Express pays the bills out of their pockets on his behalf and then forwards the bill to Kyle. The issuer of a credit card takes the risk that the holder of the card won't pay the credit card bill. In pr... |
Buy home and leverage roommates, or split rent? | Mixing friendship and money, whether that's loans or landlording, is risky. Often things work out, but sometimes the unexpected happens, and it doesn't. If things go wrong, are you prepared to walk away from either the friendship or the money? After you've considered that, the next question is how your roommates feel a... |
Do I pay a zero % loan before another to clear both loans faster? | This is more of an interesting question then it looks on first sight. In the USA there are some tax reliefs for mortgage payments, which we don’t have in the UK unless you are renting out the property with the mortgage. So firstly work out the interest rate on each loan taking into account any tax reliefs, etc. Then y... |
Error in my car loan papers, what do I do? | The absolute first thing you need to do is contact the bank. Also, do you have a copy of the loan papers you signed? You should look over those as soon as possible as well. I'm sure you want these payments going toward your FICO score and not your mothers. |
Ghana scam and direct deposit scam? | So Linda/Josie's initial plan was to have your dad pay money to (supposedly) help her get the gold chest. After he would have paid, there would have been another complication, and more yet (someone to bribe, a plane ticket to buy, transport to arrange, customs to handle, whatever, the list would last as long as there's... |
To rebalance or not to rebalance | 'Buy and Hold' Is Still a Winner: An investor who used index funds and stayed the course could have earned satisfactory returns even during the first decade of the 21st century. by By Burton G. Malkiel in The Wall Street Journal on November 18, 2010: "The other useful technique is "rebalancing," keeping the portfolio a... |
How risky are penny stocks? | Most penny stocks go to zero because most businesses fail. You stated in your original post that you were wondering specifically about companies with no assets. These are exactly the kind that fail and go to zero. There are many holes within the regulatory structure that allow for many accounting tricks in penny stoc... |
How to start buying shares with small amount of money? | Before anything else, read up on the basics of economics. After that, there a few things you need to ask yourself before you even think about investing in anything: If you have an answer to those questions: Once you answered those questions I could make a simple first suggestion: Confident in handling it yourself and l... |
How can I generate $250/month every month from $4000 that I have? | If you are looking to begin living off the money now, then Dheer's answer is correct - it is not possible. However, if you are looking to grow that money (and potentially additional money added at later dates), then you could make this work. 250 a month corresponds to 3000 per year. A first approximation is that you wi... |
Do stock prices drop due to dividends? | Yes, the stock price drops on the ex-dividend date by roughly the amount of the dividend. There is even academic research testing this and confirming that the popular rule of thumb works well. |
financial institution wants share member break down for single member LLC | What exactly would the financial institution need to see to make them comfortable with these regulations The LLC Operating Agreement. The OA should specify the member's allocation of equity, assets, income and loss, and of course - managerial powers and signature authorities. In your case - it should say that the LLC... |
Credit card grace period for pay, wait 1 day, charge? | This will not result in any finance charges: I wouldn't recommend cutting it quite so close, but as long as you pay the full balance as shown on each statement by the due date shown on that same statement, you won't incur a finance charge. Of course this only applies in the case of ordinary purchases that have a grace ... |
Why do some people go through contortions to avoid paying taxes, yet spend money on expensive financial advice, high-interest loans, etc? | One is a choice the other is not. While they are both liabilities on the balance sheet, in the real world they are quite different. We do not feel as much ownership over our money that goes to interest payments as we do over our tax payments. Taxes pay for our government and the services it provides. Interest, on t... |
Prepaying a loan: Shouldn't the interest be recalculated like a shorter loan? | If you take a loan, you make a contract with your lender, let's call them "bank" (even if it might not be a real bank). This loan contract contains an agreed-upon way of paying back the loan. Both sides agreed upon these conditions. Any change of it (like paying back early) needs the consent of both sides. So, in g... |
Should I sell my stocks when the stock hits a 52-week high in order to “Buy Low, Sell High”? | I primarily intend to add on to WBT's answer, which is good. It has been shown that "momentum" is a very real, tangible factor in stock returns. Stocks that have done well tend to keep doing well; stocks that are doing poorly tend to keep doing poorly. For a long-term value investor, of course fundamental valuation sho... |
Average Price of a Stock | I would have to disagree with the other responders. In technical analysis of stock charts, various short and long term moving averages are used to give an indication of the trend of the stock in the short and long term, as compared to the current price. I would prefer to use the term moving average (MA) rather than ave... |
Any sane way to invest in both funds and stocks with UK ISA? | You could use a stock-only ISA and invest in Exchange Traded Funds (ETFs). ETFs are managed mutual funds that trade on open exchanges in the same manner as stocks. This changes the specific fund options you have open to you, but there are so many ETFs at this point that any sector you want to invest in is almost certai... |
Why does my bank suddenly need to know where my money comes from? | Banks have a financial, and regulational duty called "Know your customer", established to avoid a number of historical problems occurring again, such as money laundering, terrorism financing, fraud, etc. Thanks to the scale, and scope of the problem (millions of customers, billions of transactions a day), the way they'... |
Good book-keeping software? | I like Quicken for personal use, and they have a small business edition if you don't want to move into QuickBooks. |
Why do some people go through contortions to avoid paying taxes, yet spend money on expensive financial advice, high-interest loans, etc? | I think sometimes this is simply ignorance. If my marginal tax rate is 25%, then I can either pay tax deductible interest of $10K or pay income tax of $2.5K. I think most americans don't realize that paying $10K of tax deductible interest (think mortgage) only saves them $2.5K in taxes. In other words, I'd be $7.5K... |
How to decide on limits when purchasing/selling stocks? | You said your strategy was to put it into a index fund. But then you asked about setting stock limits. I'm confused. Funds usually trade at their price at the end of the day, so you shouldn't try to time this at all. Just place your order. If you are buying ETFs, there is going to be so much volume on the market th... |
How to convince someone they're too risk averse or conservative with investments? | Introduce him to the concept of Inflation Risk, and demonstrate that being too conservative with your investments might be a very risky strategy as well. |
Should I stockpile nickels? | At one point it was illegal to melt silver coins in the US, but it is legal now. I don't know that will happen with copper coins, but that's what happened with silver coins. Accumulating nickels and leaving them as-is (in their spendable state) is legal. It's also a way to take physical ownership of copper. I expect ... |
Why not just invest in the market? | Perhaps someone has an investment objective different than following the market. If one is investing in stocks with an intent on getting dividend income then there may be other options that make more sense than owning the whole market. Secondly, there is Slice and Dice where one may try to find a more optimal investmen... |
Consumer Loans vs Mortgages | I went here: Consumer Loan Law. It seems that a consumer loan is anything other than a business loan or mortgage. However, in California it seems to include a mortgage. It's a bit weird to see that a HEL can be considered a consumer loan even if it is the primary or the only loan on a property. Getting a HEL can be a... |
Is there any way to buy a new car directly from Toyota without going through a dealership? | I feel your pain. It probably depends on your state, but two things we've tried with some benefit: |
Does high frequency trading (HFT) punish long-term investment? | Not really. High frequency traders affect mainly short term investors. If everyone invested long-term and traded infrequently, there would be no high frequency trading. For a long term investor, you by at X, hold for several years, and sell at Y. At worst, high frequency trading may affect "X" and "Y" by a few pennies ... |
Paying off student loan or using that money for a downpayment on a house | Two years ago, I wrote an article titled Student Loans and Your First Mortgage in response to this exact question posed by a fellow blogger. The bottom line is that the loan payment doesn't lower your borrowing power as it fits in the slice between 28% (total housing cost) and 38% (total monthly debt burden) when appl... |
Stochastic Oscillator for Financial Analysis | When using the Stochastic Indicator your basic aim is to buy (go long) when the stochastic becomes oversold (goes below 20%) and then the %K line crosses above the %D line at a market low, and to sell (go short) when the stochastic becomes overbought (goes above 80%) and then the %K line crosses below the %D line at a ... |
Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? | Ripped off may be too strong as it implies intent - I'm hopeful it's just bad logic or terminology. I would say better agreements would be: Borrowing money from family/friends is always risky. If you and your parents are comfortable with the situation and can reliably keep records of how much is owed at any given ti... |
Why might it be advisable to keep student debt vs. paying it off quickly? | Congratulations for achieving an important step in the road to financial freedom. Some view extending loan payment of loans that allow the deduction of interest as a good thing. Some view the hit on the credit score by prematurely paying off an installment loan as a bad thing. Determining the order of paying off multi... |
Can saving/investing 15% of your income starting age 25, likely make you a millionaire? | Yes, becoming a millionaire is a reasonable goal. Saving 15% of your income starting at age 25 and investing in the stock market will likely get you there. The CAGR (Compound Annual Growth Rate) of the S&P 500 over the last 35 years has been about 11%. (That 35 years includes at least two fairly serious crashes.) You ... |
What are some time tested passive income streams? | Dividends are a form of passive income. |
Which brokerages offer the best streaming quotes (tick level) for the best price? | I have ScottradeElite on my desktop. I have played around with it but no longer use it. The transactions that I make through Scottrade are more dependent on my goals for the securities than what the market is doing at the moment. Keep in mind that there will always be others out there with better access to price chang... |
Advice for opening an IRA as a newbie | If you want to 'offset' current (2016) income, only deductible contribution to a traditional IRA does that. You can make nondeductible contributions to a trad IRA, and there are cases where that makes sense for the future and cases where it doesn't, but it doesn't give you a deduction now. Similarly a Roth IRA has poss... |
Why the S&P futures prices are not reflecting the general bullish sentiment of the US stock market | This is a great question for understanding how futures work, first let's start with your assumptions The most interesting thing here is that neither of these things really matters for the price of the futures. This may seem odd as a futures contract sounds like you are betting on the future price of the index, but rem... |
Currently a Microsoft Money user on PC, need a replacement suitable for Mac | I haven't found a drop-in replacement for MS Money, but I've tried a few of the Mac desktop programs. I settled on Iggsoftware's iBank, which seems to do what I need it to do. It also appears to be able to import transactions from MS Money if you export your accounts as QIF files at the MS Money end, but I never tried ... |
Why do only motor insurers employ “No Claims Discounts”? | Discounting premiums based on some past history is not unique to auto policies. Other insurers will discount premiums based on past claims history they just don't shout about it as a marketing means to attract customers. Life insurance is underwritten based on your health history; if you want to consider your "prefer... |
Is losing money in my 401K normal? | Depends on how the money is invested within the 401k... but in general, prices move both up and down with a long-tem bias toward up. Think of it this way: with fund shares priced lower now, you are getting shares cheaper than when you entered the plan. So this dip is actually working in your favor, as long as you are ... |
How to invest 10k dollars, at the age of 23? | An investment in knowledge always pays the best interest, as Ben Franklin said. However, this is not a question I can answer for you, as it depends on the opportunities that are specifically available to you as an individual. Sometimes opportunities will knock on your door and you can take advantage, other times you ha... |
What does the Fed do with the extra money it is printing? | Usually the FED uses newly printed money to buy US treasuries from Goldman Sachs, JP Morgan, etc.. These banks then lend out the new cash which expands the money supply. During the height of the crisis the FED printed over $1.0 Trillion and bought....well...almost anything the banks couldn't offload elsewhere. Mortga... |
Are American Eagle $20 gold coins considered “securities”, requiring dealers to be licensed to sell them as such? | No. Securities brokers/dealers in the United States are licensed to broker debt and equity in corporations. (There are additional, commodities licenses to broker derivatives.) $20 American Eagle coins, or any other type of physical currency or physical precious metals can be traded or brokered by anyone without a speci... |
Is there any way to buy a new car directly from Toyota without going through a dealership? | Yes, nothing is impossible! :) You can buy it directly from the factory of manufacturer, but then you will have to pay for sea shipping of this car. E.g. you can buy it directly from Japanese Toyota but then you will have to pay to sea cargo ship to deliver your car in container from Japan. Since this car is already yo... |
Getting financial advice: Accountant vs. Investment Adviser vs. Internet/self-taught? | Do I need an Investment Adviser? No, but you may want to explore the idea of having one. Is he going to tell me anything that my accountant can't? Probably. How much expertise are you expecting from your accountant here? Do you think your accountant knows everything within the realms of money from taxes, insurance pr... |
Apartment lease renewal - is this rate increase normal? | What happened in the past, the rent you paid last year, is in the past. You shouldn't be concerned with the percentage increase, but with whether you want that apartment at the new rent for the coming year. If your rent had been half what it was last year and the new proposal were to double it, you would be outraged ... |
Why are typical 401(k) plan fund choices so awful? | I would point this out to the committee or other entity in charge of handling this at work. They do have a fiduciary responsibility for the participant's money and should take anything reasonable seriously. The flip side to this is 95% of participants -- especially participants under 35 or so -- really pay next to no a... |
How to get started with savings, paying off debt, and retirement? | I agree with the other answers here. You need to pay off your debts first, so that you can take the money you would have been spending on debt payments and make retirement contributions instead. The longer they hang around, the more you pay in interest and the more they are a risk to you. Imagine if you or your spou... |
Why does it seem unnecessary to fully save for irregular periodic expenses? | I think we'd need to look at actual numbers to see where you're running into trouble. I'm also a little confused by your use of the term "unexpected expenses". You seem to be using that to describe expenses that are quite regular, that occur every X months, and so are totally expected. But assuming this is just some cl... |
Other than being able to borrow to invest, how is a margin trading account different from a cash account? | Probably the most significant difference is the Damocles Sword hanging over your head, the Margin Call. In a nutshell, the lender (your broker) is going to require you to have a certain amount of assets in your account relative to your outstanding loan balance. The minimum ratio of liquid funds in the account to the lo... |
Formula for recalculation of a bad loan, i.e. where payments were missed? | There's not quite enough to answer the question in full. For the two years of non-payment, were there any penalties, or just accrued interest? If no penalties, this is a 3 step time-value-of-money calculation. First, take the terms of the loan and figure out the balance after 5 years. Second, for two years, increase t... |
Mortgage refinancing fees | tl;dr: I think you can find a much better deal. Doing a strait refi will cost you some amount of money. However, a 2.5% fee ont top of closing costs seems really high. You can get a quote from Quicken loans pretty quick and compare their fee. Also I would check with a local bank, preferably one you already do busine... |
Can my spouse be the primary signer on my car's loan? | If your spouse wishes to buy a car and finance it with a car loan, they are free to do so. Once they have bought a car, they are free to let you use it. However, if you are the owner of the car, the loan is going to have to be in your name. Your spouse can't get a loan backed by an asset they don't own. They could get ... |
Learning investing and the stock market | It is great that you want to learn more about the Stock Market. I'm curious about the quantitative side of analyzing stocks and other financial instruments. Does anyone have a recommendation where should I start? Which books should I read, or which courses or videos should I watch? Do I need some basic prerequisites su... |
Oversimplify it for me: the correct order of investing | One can generalize on Traditional vs Roth flavors of accounts, I suggest Roth for 15% money and going pretax to avoid 25% tax. If the student loan is much over 4%, it may make sense to put it right after emergency fund. For emergency fund priority - I'm assuming EF really requires 2 phases, the $2500 broken transmiss... |
How can cold-callers know about my general financial status | The cold caller is just a different way to contact you compared to the junk mail that they send. The business gets information from the credit rating companies for households that meet a specific set of criteria. It could be town, age, home ownership, low credit utilization...Or the exact opposite depending on what th... |
Buying and selling the same stock | Unfortunately, we don't know your country, but I'd guess "Not US" with the hint being your use of the word bugger in a comment. Realized profits are taxed by all tax authorities I'm aware of, i.e. the Tax Man in every country. Annually, so that you can let the profits run during the year, and offset by the losses duri... |
Is there a widely recognized bond index? | The iShares Barclays Aggregate Bond - ticker AGG, is a ETF that may fit the bill for you. It's an intermediate term fund with annual expenses of .20%. It "seeks investment results that correspond generally to the price and yield performance, before fees and expenses, of the Barclays Capital U.S. Aggregate Bond Index" |
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... |
For a major expensive home renovation (e.g. addition, finished basement, or new kitchen) should one pay cash or finance with a loan? Would such a loan be “good” debt? | The crucial question not addressed by other answers is your ability to repay the debt. Borrowing is always about leverage, and leverage is always about risk. In the home improvement loan case, default comes with dire consequences-- to extinguish the debt you might have to sell your home. With a stable job, reliable ... |
Why are we taxed on revenue and companies on profit? | I pay taxes on revenue. You do have the ability to deduct expenses, though it's not as comprehensive as what companies can do: These figures apply to everybody, so those that earn more get taxed more on thee additional income in each bracket (meaning the first $100,000 of taxable income is taxed the same for everybody... |
stock option grant being cancelled because strike price greater than FMV and replaced with a new grant at a higher strike price | What could the tax issues with the IRS be? I thought (but not totally certain) that the tax treatment of an ISO option was based on difference between exercise price and FMV at the time of the sale. This is an accounting issue. There were times not so long ago that companies actually did these things on purpose, to bo... |
Buying a home with down payment from family as a “loan” | I would recommend against loans from family members. But if you decide to go down that path take care of the basics: This is a business decision so treat it like one. I would add that the situation you describe sounds extremely generous to your family member. I'd look at standard loan agreements (ie. in the marketplace... |
How come the government can value a home more than was paid for the house? | The property tax valuation and the fair market price are NOT one and the same. They track each other, correlate to each other, but are almost NEVER the same number. In some parts of the USA, a municipality has to re-assess property tax values every ten years. In these places, the tax value of a property is on somethi... |
Is inflation inapplicable in a comparison of paying off debt vs investing? | I'd agree, inflation affects the value of the dollar you measure anything in. So, it makes your debt fade away at the same rate it eats away at dollar denominated assets. I'd suggest that one should also look at the tax effect of the debt or assets as well. For example, my 3.5% mortgage costs me 2.625% after tax. But ... |
Why would this kind of penny stock increase so much in value? | Well I'm not going to advise whether it's a good idea to invest in this company (though often OTC is pretty scary), but it DOES have a product (vivio, an ad blocker), it did post financials and it's trading on the OTC-QB (which is better than the pink sheets), so you need to look these over and study up on the product ... |
Who can I get to help me roll my 401(k) into an IRA when I live overseas? | It is typically very easy to roll a 401(k) into an IRA. Companies that provide IRA's are very experienced with it, and I would expect that they will take your calls from overseas. You will likely be able to do it over the internet without using a phone at all. Just open an IRA with any brokerage company (Scottrade, Va... |
First concrete steps for retirement planning when one partner is resistant | You can take a queue from any sales opportunity and position it in ways that will still appeal to someone who intends to continue working perpetually. Here are some of the points I would make: 401k matching funds are free money that you will have access to in ~20 years whether you retire or not. Long-term savings that ... |
U.S. nonresident alien: Is my state tax refund taxable? | Federal income tax refunds received during 2016 are not taxable income for 2016 (or any other year) on either the Federal or the State tax return. The State income tax refund for 2015 received during 2016 is not taxable income on the State tax return for 2016. It is taxable income on the Federal tax return for 2016 onl... |
How to record “short premium” in double-entry accounting? | You don't. No one uses vanilla double entry accounting software for "Held-For-Trading Security". Your broker or trading software is responsible for providing month-end statement of changes. You use "Mark To Market" valuation at the end of each month. For example, if your cash position is -$5000 and stock position is... |
What are the risks with ETFs with relatively low market caps? | Market cap probably isn't as big of an issue as the bid/ask spread and the liquidity, although they tend to be related. The spread is likely to be wider on lesser traded ETF funds we are talking about pennies, likely not an issue unless you are trading in and out frequently. The expense ratios will also tend to be slig... |
Why would a company care about the price of its own shares in the stock market? | Fiduciary They are obligated by the rules of the exchanges they are listed with. Furthermore, there is a strong chance that people running the company also have stock, so it personally benefits them to create higher prices. Finally, maybe they don't care about the prices directly, but by being a good company with a goo... |
High expense ratio funds - are they worth it? | The 10 year comparison between your fund and the S&P 500 - I'd say more, but not sure it's needed. |
How to evaluate an annuity | You need to see that prospectus. I just met with some potential new clients today that wanted me to take a look at their investments. Turns out they had two separate annuities. One was a variable annuity with Allianz. The other was with some company named Midland Insurance (can't remember the whole name). Turns out... |
Why are typical 401(k) plan fund choices so awful? | To piggy back mbhunter's answer, the broker is going to find a way to make the amount of money they want, and either the employee or the company will foot that bill. But additionally, most small businesses want to compete and the market and offer benefits in the US. So they shop around, and maybe the boss doesn't have... |
What pension options are there for a 22 year old graduate in the UK? | Major things to consider: If you're expecting to look at the property market: it might prove to be sensible to start doing it now, since the market is just recovering, and (IMHO warning -I'm not a professional investor, just a random guy on the internet) prices still hasn't caught up with value fundamentals. check out... |
Can a CEO short his own company? | If we take only the title of the question "can the CEO short the stock": It was probably different before Enron, but nowadays a CEO can only make planned trades, that is trades that are registered a very long time before, and that cannot be avoided once registered. So the CEO can say "I sell 100,000 shares in exactly s... |
If throwing good money after bad is generally a bad idea, is throwing more money after good Ok? | Is investing more money into a stock that you already have a stake, in which has gone up in price a good idea? What you describe here is a good idea when the stock keeps up-trending. The way to do it is say you have originally bought $1000 worth of shares, then the next purchase you buy $500 worth, then $250 worth. It ... |
Consolidate my debt? Higher APR, but what does that actually mean? | There's a cliche, "out of the frying pan and into the fire". I've never had the occasion to use it till now. I understand some people find they have a dozen cards and struggle to keep organized. An extra percent or two seems worth the feeling of just one payment to make. In your case, 3 checks (or online payments) per... |
Will an ETF increase in price if an underlying stock increases in price | The creation mechanism for ETF's ensures that the value of the underlying stocks do not diverge significantly from the Fund's value. Authorized participants have a strong incentive to arbitrage any pricing differences and create/redeem blocks of stock/etf until the prices are back inline. Contrary to what was stated ... |
How to divide a mortgage and living area fairly? | I suggest that you first decide on what %'s of the home value you each have a legal claim to. Then split the mortgage using the same %'s. Then, if someone feels their % is slightly higher, they are compensated because they 'own' a correspondingly higher share of the house. Use the same %'s for downpayments (which may m... |
When to sell a stock? | I am a believer in stocks for the long term, I sat on the S&P right though the last crash, and am 15% below the high before the crash. For individual stocks, you need to look more closely, and often ask yourself about its valuation. The trick is to buy right and not be afraid to sell when the stock appears to be too h... |
How smart is it to really be 100% debt free? | My take is that there are many factors to consider when deciding whether to accelerate payment of a debt beyond the require minimum. Ideally you would want to be debt-free with a home owned outright, a pension big enough to lead a nice life for the rest of your days and plenty of savings to cover any unexpected expense... |
Will I get taxed on withdrawals from Real Cash Economy games? | Income from a hobby is tax exempt under Dutch law. To consider whether it's hobby, a few rules are applied such as: How much time do you spend on the activity? And is the hourly wage low? Obviously, having a boss is a sure sign of it not being a hobby. The typical example is making dolls and selling them on a crafts fa... |
High credit utilization, some high interest - but credit score not overly bad. How to attack debt in this situation? | The bottom line is you have an income problem. Your car payment seems very high relative to your income and your income is very low relative to your debt. Can you work extra jobs or start a small business to get that income up? In the US it would be fairly easy to work some part time jobs to get that income up abou... |
Multiple accounts stagnant after quitting job. | What is my best bet with the 401K? I know very little about retirement plans and don't plan to ever touch this money until I retire but could this money be of better use somewhere else? If you don't know your options, I would suggest reading some material on it that might be a little more extensive than an answer h... |
UK: Personal finance book for a twenty-something | Consultant, I commend you for thinking about your financial future at such an early age. Warren Buffet, arguably the most successful investor ever lived, and the best known student of Ben Graham has a very simple advice for non-professional investors: "Put 10% of the cash in short-term government bonds and 90% in a ve... |
Is there a way to take advantage of nice numbers? | You'd need millions of dollars to trade the number of shares it would take to profit from these penny variations. What you bring up here is the way high frequency firms front-run trades and profit on these pennies. Say you have a trade commission of $5. Every time you buy you pay $5, every time you sell you pay $5. ... |
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