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Closing a futures position | For exchange contracts, yes. A trader can close a position by taking an offsetting position. CME's introduction to Futures explains it quite well (on page 22). Exiting the Market Jack entered the market on the buy side, speculating that the S&P 500 futures price would move higher. He has three choices for exiting ... |
What should my finances look like at 18? | If you're making big money at 18, you should be saving every penny you can in tax-advantaged retirement accounts. (If your employer offers it, see if you can do a Roth 401(k), as odds are good you'll be in a higher tax bracket at retirement than you are now and you will benefit from the Roth structure. Otherwise, use a... |
ISA - intra year profits and switching process | You're overthinking it. The ISA limit applies to the amount you invest into the ISA. In your example, £10,000. Whether that then fluctuates with performance is irrelevant. Even if you realise aprofit or a loss, nobody is watching it. You merely count the amount you originally contributed into the ISA wrapper. When they... |
Video recommendation for stock market education | In general I would recommend to stay away from any video from a successful trader, at least those that claim to share their secrets. If they were that successful, why would they want company? What they have most likely discovered is that they can make more money through videos and seminars than they can through tradin... |
Possible to purchase multiple securities on 1 transaction? | No you can't, as you would have to have a different order for each security. Usually the bigger the order the more the brokerage you would also pay. |
Savings account with fixed interest or not? | Personally I would have a hard time "locking up" the money for that very little return. I would probably rather earn no interest in favor of the liquidity. However, you should find out what the early removal penalties are. If those are minimal and you are very confident that you will not need the money over the term ... |
devastated with our retirement money that we have left | When you say: I am 48 and my husband is 54. We have approx. 60,000.00 left in our retirement accounts. We want to move our money into something so our money will grow. We've been looking at annunities. We've talked to 4 different advisors about what is best for us. Bad mistake, I am so overwhelmed with the differ... |
Why do some stocks have a higher margin requirement? | It's about how volatile the instrument is. Brokers are concerned not about you but about potential lawsuits stemming from their perceived inadequate risk management - letting you trade extremely volatile stocks with high leverage. On top of that they run the risk of losing money in scenarios where a trader shorts a st... |
How can people have such high credit card debts? | In the United States, when applying for credit cards, proof of income is on an honor system. You can make $15k a year and write on your application that you make $150k a year. They don't check that value other than to have their computer systems figure out risk and you get a yes or no. It was traditionally easy to atta... |
Which graduate student loans are preferable? | Of course, the situation for each student will vary widely so you'll have to dig deep on your own to know what is the best choice for your situation. Now that the disclaimer is out of the way, the best choice would be to use the Unsubsidized Stafford loan to finance graduate school if you need to resort to loans. The m... |
Why was S&P 500 PE Ratio so high on May 2009 | Asking why the p/e was so high is best answered "because reported earnings were so low". Recall that the S&P500 bottomed in early March 2009 when the panic of the financial crisis reached exhaustion. As noted on the page you have linked, the reported p/e ratios are computed using reported earnings from the trailing tw... |
Repaying Debt and Saving - Difficult Situation | She seems to be paying an inordinate amount of money for car payments. $850/month is just too high. She may be able to get by on public transit, depending on where she lives, but if not, she needs to look at selling her car and picking up a cheap second-hand vehicle. Public transit would probably save her $750/month. G... |
Purchasing first car out of college | I respectfully disagree with @JohnFX's comment regarding new vs used. (John knows what is talking about though; he gave an awesome answer on buying a car: What are some tips for getting the upper hand in car price negotiations?) The answer to your question is based on whether or you not you can stand to have a small,... |
How smart is it to really be 100% debt free? | Having no debt should be the ultimate goal for every household, IMHO, but at what cost? As an example, I had some clients (before they started working with me) that had outstanding debt when they retired and were gung-ho to pay it off. They opted to take it out of their retirement accounts. They didn't set aside enou... |
What is the best resource for determining a specific age-based asset allocation? | Look into the asset allocations of lifecycle funds offered by a company like Vanguard. This page allows you to select your current age and find a fund based on that. You could pick a fund, like the Target Retirement 2055 Fund (ages 21-25), and examine its allocation in the Portfolio & Management tab. For this fund, the... |
What are the financial advantages of living in Switzerland? | The cost of living is quite high in New York City. It has the highest CPI (Consumer Price Index) of any city in the U.S. Salaries also tend to be highest in NYC. Just about any bicycle lock sold in the U.S. has an exception in its warranty for NYC. It is the most populous American city. So, why do people deal with ... |
Getting (historical) Standard & Poor Stock Guides | I haven't seen one of these in quite some time. Back in the 1970s, maybe the 1980s, stock brokers would occasionally send their retail clients a complimentary copy once in a while. Also, I remember the local newspaper would offer a year-end edition for a few dollars (maybe $3) and that edition would include the newspap... |
Can we compare peer-to-peer loans to savings accounts? | That argument is an argument for investing generally, not peer-to-peer lending per se, and the argument as phrased ("thus you should invest your money at a Peer-to-peer loan platform") is a false dichotomy. That said, as soon as one is investing as opposed to just getting a small but guaranteed return, then risk comes ... |
What kind of symbol can be shorted? | Any publicly traded financial instrument can be sold short, in theory. There are, however, many regulations associated with short sales of US equities that may prevent certain stocks from being sold short at certain times or through certain brokers. Some examples: the most basic requirement (this isn't a regulation, i... |
What is a reasonable rate of return and fee structure for a Roth IRA? | A Roth IRA is just an account wrapper. Inside a Roth IRA you can have a plain 0.1% savings account, or a brokerage account, or an annuity or whatever. There's no rate of return for a Roth IRA. That particular calculator seems to assume you'll be wrapping a brokerage account in a Roth IRA and investing in the stock ma... |
Investing in low cost index fund — does the timing matter? | Yes timing does matter. Using a simple Rate of Change indicator over the past 100 days and smoothed out with a 50 day Moving Average, I have plotted the S&P 500 since the start of 2007. The idea is to buy when the ROC indicator crosses above the zero line and sell when the ROC indicator crosses below the zero line. I ... |
Rate of change of beta | This is (almost) a question in financial engineering. First I will note that a discussion of "the greeks" is well presented at https://en.wikipedia.org/wiki/Greeks_(finance) These measures are first, second and higher order derivatives (or rate of change comparisons) for information that is generally instantaneous. (Be... |
Why are credit cards preferred in the US? | Your question is based on a false premise. Debit cards are more popular in the US than credit cards are. Indeed it seems to be the non-US part of the world that is big in credit cards. See here for example |
Highstreet bank fund, custom ETF or Nutmeg? | And it's only as cheap as 1.78% if you stay with them 10 years! They'd love that. You can kind of tell they really want to lock you in for over 4 years. I also think it's daylight robbery, but as a self execution investor I tend to have to talk myself out of that belief by default to be fair. One can wonder too, why ar... |
Recommended education path for a future individual investor? | My plan is that one day I can become free of the modern day monetary burdens that most adults carry with them and I can enjoy a short life without these troubles on my mind. If your objective is to achieve financial independence, and to be able to retire early from the workforce, that's a path that has been explored be... |
What's a reliable way for a non-permanent resident alien in the USA to get an auto loan? | From personal experience (I financed a new car from the dealer/manufacturer within weeks of graduating, still on an F1-OPT): |
Why are there many small banks and more banks in the U.S.? | Actually it seems you are not quite correct about the number of different banks in Canada. https://en.wikipedia.org/wiki/List_of_banks_and_credit_unions_in_Canada According to this link there are 82-86 banks in Canada plus credit unions. This may still be lower than what would correspond to the number of banks in the U... |
Does dividend on 401K have any effect on gains | It appears from your description that the 401k account has the automatic dividend reinvestment policy, and that the end result is exactly the same as the external account with the same policy. I.e.: no difference, the dividend affected the 401k account in exactly the same way it affected the external account. The only ... |
Is it possible for all the owners of a stock to gain or lose money at the same time? | The Owners of stock keep changing with every Buy and Sell. Hence its theoritically possible that everyone makes or loses money. Say the price was $10 when everyone purchased the stock. If the stock is doing good and the markets are good, the stock will move up to $12. Everyone sells the stock to someone else. So all th... |
Small investing for spending money? | Just to offer another alternative, consider Certificates of Deposit (CDs) at an FDIC insured bank or credit union for small or short-term investments. If you don't need access to the money, as stated, and are not willing to take much risk, you could put money into a number of CDs instead of investing it in stocks, or j... |
Is it worth buying real estate just to safely invest money? | House prices do not go up. Land prices in countries with growing economies tend to go up. The price of the house on the land generally depreciates as it wears out. Houses require money; they are called money pits for a reason. You have to replace HVAC periodically, roofs, repairs, rot, foundation problems, leaks, el... |
Is there a benefit, long term, to life insurance for a youngish, debt, and dependent free person? | Careful with saying "no need". Look careful at the cost of life insurance. That cost depends obviously on the amount, but also on the age when you start paying into the insurance. If you take out a $100,000 insurance at 20, and someone else takes it out at 30, and a third person at 50, they will pay hugely different a... |
If I have no exemptions or deductions, just a simple paycheck, do I HAVE to file taxes? | While you are required to do so as others have said, it's actually in your interest to do so. In a recent article at GlobeInvestor, Tim Cestnick discusses the benefits of filing tax returns for teens. This situation may or may not apply to you but the message is the same. The main benefits are (1) create RRSP contribut... |
Why are historical prices of stocks different on different websites? Which one should I believe? | On Monday, the 27th of June 2011, the XIV ETF underwent a 10:1 share split. The Yahoo Finance data correctly shows the historic price data adjusted for this split. The Google Finance data does not make the adjustment to the historical data, so it looks like the prices on Google Finance prior to 27 June 2011 are being ... |
Is it safe to accept money in the mail? | On your end of the deal, the biggest risk is probably counterfeiting. That said, I'd think that most of the downside would be for the buyer since they would have no way to prove that they paid you. Perhaps a better alternative is to send the items COD (Collect On Delivery aka Cash on Delivery). The USPS and some other... |
How can it be possible that only ~10% of options expire worthless, and only ~10% are exercised? | Consider the futures market. Traders buy and sell gold futures, but very few contracts, relatively speaking, result in delivery. The contracts are sold, and "Open interest" dwindles to near zero most months as the final date approaches. The seller buys back his short position, the buyer sells off his longs. When I own... |
How do I interpret this analysis from Second Opinion? | In Second Opinion's opinion, they say "Do not initiate new position." This means do not buy the stock if you do not already own it. Since they also say to hold if you do own it, this is a very "who knows what it will do" neutral position (IMO). |
How can I get a mortgage I can't afford? | If you can't afford it don't buy it, the next perfect house is just around the corner. The more time you spend researching and looking at houses, the increased chance you will find the perfect house you can afford. Also, here in Australia, we (the banks as well) factor in an interest rate rise of 2% above current rates... |
Will I be liable for taxes if I work for my co. in India for 3 months while I am with my husband in UK | For information about the UK situation, check the government website at http://www.hmrc.gov.uk/incometax/tax-arrive-uk.htm It all depends on the time. If I read it right (but you should check yourself) you can stay almost six months at a time, but at most 3 months on average over 4 years. Above this limit, you should ... |
Buy tires and keep car for 12-36 months, or replace car now? | There are a few factors I like to consider when I'm reasoning financially over my households cars. How many KMs will the car travel each year because I like to factor in how often tires will need to be changed, how much tires for my models cost as well as how gas efficient they are. Knowing how much the car is driven a... |
what is the likely reason that the bank have a different year end than the other companies | The exact Financial calander followed is different for different regions/countires. The difference is more historical and a convinient practise that has no advantage / reason to change. Many Countries like US/Japan the Financial year can be choosen by companies and needs to be same every year. This need not be same as ... |
How to check the paypal's current exchange rate? | There is a way I discovered of finding the current exchange rate before committing to buy, go to send payments, put in your own second email, pay 1gbp as the amount and it will give you the exchange rate and fees in your own currency, in my case euro, before you have to click on send payment |
I'm thinking of getting a new car … why shouldn't I LEASE one? | I never understood why people lease rather than buy or finance. I'm financing a new civic 09 @ 0.9%. At the end of the 5 year terms I will have paid less than $800 in interest. |
How much time would I have to spend trading to turn a profit? | It depends on how you define trading. If you're looking at day-trading, where you're probably going to be in a highly-leveraged position for minutes or hours, the automated traders are probably going to kill you. But, if you have a handful (less than a dozen) equities, and spend about an hour or so every week conduct... |
When buying a call option, is the financial stability of the option writer relevant? | In the case of regulated, exchange-traded options, the writer of an options contract is obliged to maintain a margin with their broker, and the broker is obliged to maintain a margin with the clearing house. (Institutional writers of options will deal directly with the clearing house.) In the event that the writer is ... |
IRA contributions in a bear (bad) market: Should I build up cash savings instead? | The first two answers to this are very good, but I feel like there are a couple of points they left out that were a little too long for comments. First off take a look at the expense percentage,the load fees, and the average turnover ratio for the funds in your retirement account (assuming they are mutual funds). Havin... |
On paper I have 1 share in my company. How can I sell a smaller percentage of my company to another party? | There are 2 basic ways to have someone buy partial ownership of your company: OR If they buy shares that you already own, then their shares will have the same rights as yours (same voting rights, same dividend rights, etc.). If they buy shares newly created from the company, they could be either identical shares to wha... |
Which Benjamin Graham book should I read first: Security Analysis or Intelligent Investor? | I would recommend reading Intelligent Investor first. It was written slightly more recently (1949) than Security Analysis (1934). More important is that a recently revised edition* of Intelligent Investor was published. The preface and appendix were written by Warren Buffett. Intelligent Investor is more practical as a... |
My university has tranfered me money by mistake, and wants me to transfer it back | You have received some good answers, but since your concern is proper protocol, keep everything in writing (emails, not phone calls). Also, you'll get a quick response by contacting the University "Accounts Payable" department, confirm the situation with a summary as you posted here and ask for the ABA routing number ... |
Using multiple bank accounts | I live near historic Concord, Massachusetts, and frequently drive past Walden Pond. I'm reminded of Henry David Thoreau's words, "Simplify, simplify, simplify." In my opinion, fewer is better. 2 checkbooks? I don't see how that makes budgeting any easier. The normal set of expenses are easily kept as one bucket, one a... |
How can I check my credit score? | http://annualcreditreport.com/ That's the official site for getting your free yearly credit report (one free per year from each of the 3 reporting bureaus). |
Would it make sense to buy a rental property as an LLC and not in my own name? | I'd have a good look at how much anonymity an LLC offers in your state - as far as I'm aware this varies from state to state. Out here in NV an LLC owner's privacy is supposedly fairly well protected, but in other states, not quite as much. Also keep in mind that while the LLC offers some protection (and I'm a big advo... |
How do I refinance a car loan into someone else's name so it can be their car? | Your first step is to talk to the current lender and ask about refinancing in the other person's name. The lender is free to say no, and if they think the other person is unlikely to pay it back, they won't refinance. If you're in this situation because the other person didn't qualify for a loan in the first place, the... |
How can one relatively easily show that low expense ratio funds outperform high expense ratio funds? | I hope a wall of text with citations qualifies as "relatively easy." Many of these studies are worth quoting at length. Long story short, a great deal of research has found that actively-managed funds underperform market indexes and passively-managed funds because of their high turnover and higher fees, among other fac... |
Are you preparing for a possible dollar (USD) collapse? (How?) | Depends what kind of expenses you intend to use this money for. If you plan to buy housing in the future (eg you're saving a deposit), then you need to ensure that the value doesn't deteriorate relative to the value of the housing you are likely to buy - so you could buy a Residential REIT, or buy some investment prope... |
Is technical analysis based on some underlying factors in the market or do they work simply because other people use them? | Technical Analysis assumes that the only relevant number(s) regarding a security is (are) price (and price momentum, price patterns, price harmonics, price trends, price aberrations, etc.). Technical is all based on price. Technical is not based on any of the fundamentals. Technical Analysis is for traders (speculator... |
Is selling put options an advisable strategy for a retiree to generate stable income? | No. In good years, the income seems free. In a down year, particularly a bad one, the investor will be subject to large losses that will prove the strategy a bad one. On the other hand, one often hears of the strategy of selling puts on stock you would like to own. If the stock rises, you keep the premium, if it drop... |
Does investing more money into stocks increase chances of profit? | I think you are mixing up the likelihood of making a profit with the amount of profit. The likelyhood of profit will be the same, because if you buy $100 worth of shares and the price moves up you will make a profit. If you instead bought $1000 worth of the same shares at the same price and the price moved up you would... |
Do common stocks and preferred stocks have any differences in terms of percentage of the company per unit they represent? | Typically, preferred shares come with one or both different benefits - a disproportionate share of votes, say 10 votes per share vs the normal 1, or a preferred dividend. The vote preference is great for the owner(s) looking to go public, but not lose control of the company. Say, I am a Walton (of Walmart fame) and wh... |
What does a contract's worth mean? | It means $400m expected revenue, likely spread out over multiple years as it gets implemented, and not entirely guaranteed to happen as they still need to fulfill the contract. The impact on the stock price is complex - it should be positive, but nowhere close to a $400m increase in market cap. If the company is expect... |
what is the best way of investment which gives returns forever? | What is the best way that I can invest money so that I can always get returns? If you want something that doesn't require any work on your end, consider having a fee-only financial planner make a plan so that your investments can be automated to generate a cash flow for you or get an annuity as the other classic choi... |
Where do I invest my Roth IRA besides stock market and mutual funds? | Nowhere. To back up a bit, mutual funds are the stock market (and the bond market). That is, when you invest in a mutual fund, your money is ultimately buying stocks on the open market. Some of it might be buying bonds. The exact mix of stocks and bonds depends on the mutual fund. But a mutual fund is just a basket of ... |
Is it safer to send credit card number via unsecured website form or by e-mail? What safer options are there? | Most people cannot use pgp/gpg and setting it up would, in order to do that correctly, require voice fingerprint verification. Don't. Just write a word doc and either encrypt it when saving using the "save as" function or encrypt it using zip and email that to them. Then call them and tell them the password. Done. |
Why would anyone want to pay off their debts in a way other than “highest interest” first? | In some cases, it might be rational to pay low-interest debt first, because the consequences of defaulting on that debt are worse. Consider this simplified example. Suppose you have two debts: a low-interest mortgage, secured by your house, and a high-interest unsecured credit card debt, both of which are within a f... |
Tenant wants to pay rent with EFT | The mode of payment mentioned by your bank is called the ACH(Automatic Clearing House) which means that anyone(Trusted payment gateway owners like banks themselves) can process payments. There can be a fraud declared against any payment that you have made and you can get every single penny back. This amount can not be ... |
When will Canada convert to the U.S. Dollar as an official currency? | I would say at about the same time as the US converts to having a public health system that covers everyone with very few people with private insurance. |
I gave an incorrect account number to pay my income taxes | They will not send a bill, though there's a chance they will eventually send an accusatory letter. You must proactively pay your taxes. The simplest route is to send a check to each taxing authority with the respective full amounts due. I wouldn't bother calling them. You could also file amended returns with each co... |
401k Rollover - on my own or through my financial advisor? | Call up vanguard and tell them you want to do a rollover. They walk you through the process. Spend some time on reading up on asset allocation and benefits of indexing. 1.5% every year is steep and what do you have in return? The advisor's word that he'll make it up. How much did he manage to return during the la... |
I'm only spending roughly half of what I earn; should I spend more? | Your Money or Your Life is a great book on this topic. |
How to invest 100k | The best way to invest in college for your kid is to buy an investment property and rent it out. You might think I am really crazy to ask you to you to buy a real estate property when everyone is running from real estate. Go where others are running away from it. Look where others are not looking. Find out the need fo... |
Sales Tax: Rounded Then Totaled or Totaled Then Rounded? | Taxes should not be calculated at the item level. Taxes should be aggregated by tax group at the summary level. The right way everywhere is LINE ITEMS SUMMARY PS:If you'd charge at the item level, it would be too easy to circumvent the law by splitting your items or services into 900 items at $0.01 (Which once rounded ... |
How can I avoid international wire fees or currency transfer fees? | I did some empirical research, comparing the exchange rates for wire transfers vs. the exchange rates for ATM withdrawals. With my bank, wire transfers typically take a 4% float off the exchange rate. ATM withdrawals seem to take just over 2%. And ATM withdrawals don't have a wire transfer fee, as long as I'm withdrawi... |
What size “nest egg” should my husband and I have, and by what age? | One more thing to consider is that $1M today is not the same as $1M 30 years from now because of inflation. Consider that just 30 years ago (1980) the average house price in the US was only about $69K and a new car cost around $7K on average. When you retire, it isn't much of a stretch to assume that you could be pay... |
Will I be liable for taxes if I work for my co. in India for 3 months while I am with my husband in UK | The finance team from your company should be able to advise you. From what I understand you are Indian Citizen for Tax purposes. Any income you receive globally is taxable in India. In this specific case you are still having a Employee relationship with your employer and as such the place of work does not matter. You a... |
Are stores that offer military discounts compensated by the government? | Company X located outside a military base offer discounts to military as a form of marketing. They want to encourage a group of potential customers to use their store/service. In some cases they are competing with subsidized store on the base. In other cases their only competition is other stores outside the base. The ... |
Credit Card Approval | Banks use quite a few parameters to arrive at the decision for card approval. The credit score is just one input. There are multiple other inputs it would source, for example total years in job, the number of years in current job, income streams, etc ... the exact formula is a trade secret and varies from Bank to Bank |
Remitting Money To India Towards Home Loan Repayment | If you are still Indian Citizen for Tax purposes, then all your Global Income is taxable [There are certain exemption if you are in certain professions]. So even if you transfer or not transfer the funds to India, it is taxable in India. If you are getting a per day allowance, its exempt, this has to be looked more as ... |
What is the difference between a check and a paycheck? | A paycheck is simply a check for your salary. It's just like a rent check, or a birthday check, or a grocery check... I've had "paychecks" that were personal checks from the owner of the business, I've had ones that are printed in the office I worked in and signed right there, and I've had paychecks that are printed ... |
At what point should I go into credit card debt? | Financially, it simply doesn't make sense to go into debt here. It may be that living on credit cards for a while gives you a chance to recover psychologically, but financially, it doesn't make sense. But, let's consider the larger picture here. You are unmotivated and directionless, and may be suffering from depressio... |
Resources on how to be a short term trader? | If you're a person of normal means, being a short-term trader/speculator is a game that you are going to lose. Don't do it -- do some research on investing. |
Is it possible to sell a stock at a higher value than the market price? | Yes You could write a covered call and the stock gets called away at the price + premium. You could convince someone to buy it regardless of the market price. |
Non Resident aliens - Question of standard vs itemized | The IRS' primary reference Pub 519 Tax Guide for Aliens -- current year online (current and previous years downloadable in PDF from the Forms&Pubs section of the website) says NO: Students and business apprentices from India. A special rule applies .... You can claim the standard deduction .... Use Worksheet 5-1 to f... |
What is the difference between speculating and investing? | Investing is balancing the desire for return against the various risks that your money is faced with. There's also a recognition that an investment will be in place for some extended period of time. Speculation is seeking short-term maximum return, without protecting yourself against risk. "Speculation" or "Speculator... |
Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? | The time to have looked into this is before you bought the condo, not now. You are presumably an adult. Your parents have apparently made it possible for you to have a roof of your own over your head for what is probably below rental rates (but I don't know your area, so can't say). From their point of view, they may h... |
Is it possible to trade US stock from Europe ? | Yes, it's possible and even common but it depends on your bank or broker. One of the main differences is that you might assume FX risk if your account is in EUR and you trade stock denominated in USD. You might also encounter lower liquidity or price differences if you don't trade on the primary exchange where stocks a... |
Where are Bogleheadian World ETFs or Index funds? | You weren't really clear about where you are in the world, what currency you are using and what you want your eventual asset allocation to be. If you're in the US, I'd recommend splitting your international investment between a Global ex-US fund like VEU (as Chris suggested in his comment) and an emerging markets ETF l... |
My investment account is increasingly and significantly underperforming vs. the S&P 500. What should I do? | Fire your fund manager. There are several passive funds that seek to duplicate the S&P 500 Index returns. They have lower management fees, which will make returns lower than S&P, and they have less risk by following a broadly diversified strategy (versus midcap growing stocks). There's also ETFs, but evidence is growin... |
What are the common income tax deductions used by “rich” salaried households? | One of the main tax loopholes more readily available to the wealthy in the U.S. is the fact that long-term capital gains are taxed at a much lower rate. Certainly, people making less than $250,000/year can take advantage of this as well, but the fact is that people making, say, $60,000/year likely have a much smaller p... |
How do you determine the dividend payout date for Mutual Funds? | Mutual funds generally make distributions once a year in December with the exact date (and the estimated amount) usually being made public in late October or November. Generally, the estimated amounts can get updated as time goes on, but the date does not change. Some funds (money market, bond funds, GNMA funds etc) di... |
I can't produce a title for a vehicle I just traded | If your fiancée took a title loan out on your truck you won't be able to trade it in for another vehicle until you pay the loan. The dealer will likely take your "slightly newer" truck back because you won't be able to produce the title for the trade until the other debt is settled. Title loans are a terrible idea. You... |
How do dividend reinvestment purchases work? | The Brokerage firm will purchase shares for the dividend paid in a omnibus account for the security of the issuer and then they will distribute fractional shares among all their clients that chose Div Reinvest. They will only have to buy 1 extra share to account for the fractional portion of what they allocate. The s... |
HELOC vs. Parental Student Loans vs. Second Mortgage? | I'd like to propose a 4th option: Let your kid(s) take out their own student loans, and then you can make payments directly to help them pay them down. Some advantages to this method: Note the many similarities to the HELOC, which would probably be my second choice. |
How might trading volume affect future share price? | There tends to be high volume around big changes in stock price. The volume of a stock does not remain constant and the term "fat fingers" can influence price.--> http://www.bloomberg.com/news/2014-10-01/that-japanese-fat-finger-can-absolutely-happen-in-u-s-.html That being said keshlam is 99% right when it comes to a ... |
Avoid Capital Gains on Rental | While it may not be your preferred outcome, and doesn't eliminate the income, in the event you find yourself in the path described here you have a way to defer gains to the future. but I would then want to buy another house as a rental If you sell this house and buy another investment property (within strict time windo... |
I'm self-employed with my own LLC. How should I pay myself, given my situation? | You're conflating LLC with Corporation. They're different animals. LLC does not have "S" or "C" designations, those are just for corporations. I think what you're thinking about is electing pass through status with the IRS. This is the easiest way to go. The company can pay you at irregular intervals in irregular amoun... |
Sale of jointly owned stock | They may be confused. The combination of "my wife received stock when younger" and "her father just died" leaves questions. A completed gift, when she was a kid, means she has a basis (cost) same as the original owner of that stock. This may need to be researched. The other choice is that she gets a price based on the ... |
Is buying a lottery ticket considered an investment? | There is a clear difference between investing and gambling. When you invest, you are purchasing an asset that has value. It is purchased in the hopes that the asset will either increase in value or generate income. This definition holds true whether you are investing in shares of stock, in real estate, or in a comic b... |
What is the best asset allocation for a retirement portfolio, and why? | The best asset allocation is one that lets you sleep well at night. Can you stomach a loss of 50% and hold on to that asset for 3 years, 5 years, or however long it will take to bounce back while everyone is telling you to sell it at a loss? All these calculations will be thrown out the window at the next market panic.... |
How can I improve my credit score if I am not paying bills or rent? | So you work, and give a small irregular amount to you parents. You live with very low expenses. Assuming you make a bit below the average salary in the UK, you should be able to save around £1000. If you found a part time job could you save double? I bet you could. So why do you need credit? Why do you need a cred... |
Comparison between buying a stock and selling a naked put | Option prices are computed by determining the cost of obtaining the option returns using a strategy that trades the underlying asset continuously. It sounds like what you are describing is rapidly trading the option in order to obtain returns similar to those of the stock. The equality goes both ways. If the option... |
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