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Should I buy a house or am I making silly assumptions that I can afford it? | The rules of thumb are there for a reason. In this case, they reflect good banking and common sense by the buyer. When we bought our house 15 years ago it cost 2.5 times our salary and we put 20% down, putting the mortgage at exactly 2X our income. My wife thought we were stretching ourselves, getting too big a house c... |
What does this diagram from Robert Kiyosaki about corporations mean? | These types of diagrams appear all throughout Kiyosaki's Rich Dad, Poor Dad book. The arrows in the diagrams represent cash flow. For example, the first two diagrams of this type in the book are: The idea being presented here is that an asset generates income, and a liability generates expenses. According to the boo... |
US tax for a resident NRI | If you are tax-resident in the US, then you must report income from sources within and without the United States. Your foreign income generally must be reported to the IRS. You will generally be eligible for a credit for foreign income taxes paid, via Form 1116. The question of the stock transfer is more complicated,... |
Why is Insider Trading Illegal? | It is illegal because laws are written by people, and laws of stock trade are written, in part, to make it appear "fair" and thus contribute to the willingness of the people to invest their money in that particular venue. Profiting from information on the stock market that some people have and some can't have is consid... |
Why is the breakdown of a loan repayment into principal and interest of any importance? | The breakdown between how much of your payment is going toward principal and interest is very important. The principal balance remaining on your loan is the payoff amount. Once the principal is paid off, your loan is finished. Each month, some of your payment goes to pay off the principal, and some goes to pay inte... |
If a stock doesn't pay dividends, then why is the stock worth anything? | I haven't seen any of the other answers address this point – shares are (a form of) ownership of a company and thus they are an entitlement to the proceeds of the company, including proceeds from liquidation. Imagine an (extreme, contrived) example whereby you own shares in a company that is explicitly intended to only... |
What is the correct answer for percent change when the start amount is zero dollars $0? | There is no numerical convention in finance that I have ever seen. If you look at statements or reports that measure growth when the starting value is negative or zero, you typically see "n/a" or "-" or "*" as the result. Any numerical result would be meaningless. Suppose you used 100% and another company had a legi... |
What's the fuss about Credit Score / History? | I justed rented a new house, and they ran my credit to see if I am a reliable person. |
Market Close Order | During the day, market and limit orders are submitted at any time by market participants and there is a bid and an ask that move around over time. Trades occur whenever a market order is submitted or a limit order is submitted that at a price that matches or exceeds an existing limit order. If you submit a market ord... |
Is it possible to improve stock purchase with limit orders accounting for volatility? | If you can afford the cost and risk of 100 shares of stock, then just sell a put option. If you can only afford a few shares, you can still use the information the options market is trying to give you -- see below. A standing limit order to buy a stock is essentially a synthetic short put option position. [1] So deci... |
Can I transfer my investment property into a SMSF? | Regarding transferring a residential investment property into your SMSF, no you cannot do it. You cannot transfer residential property into your SMSF from a related party. You can only transfer Business Real Property (that is commercial or industrial property) into a SMSF from a related party. You can buy new residenti... |
In 2015, why has the price of natural gas been plummeting? | Don't try to catch a falling knife. The fact that the prices were falling for this long means that the professional traders in this market expect gas prices to keep going down. This may be for many reasons, which they know much better than you do. So it's likely that gas will keep falling for a while longer. Wait until... |
How big of a mortgage can I realistically afford? | You're biting off a lot. Let's say you can swing 5% for a down payment: $13k. A 30-year loan on $247k at the rate you quote gives you a payment of $1,270 per month. This does not include taxes, insurance, or private mortgage insurance (which you'll pay because you have a down payment less than 20%). The PMI will run ... |
I carelessly invested in a stock on a spike near the peak price. How can I salvage my investment? | Some financial planners would not advise one way or the other on a specific stock without knowing your investment strategy... if you didn't have one, their goal would be to help you develop one and introduce you to a portfolio management framework like Asset Allocation. Is a two of clubs a good card? Well, that all de... |
Should I stockpile nickels? | I agree with George. I'll also add that you have to think about the cost of melting the coins for their raw materials. Not exactly free in terms of equipment, facilities and energy costs. |
What is the meaning of public stock price data from before the official first day of trading? [duplicate] | For the case of spinoffs it reflects the market as activities as the specific steps that have to be followed take place. For example the spinoff of Leidos from SAIC in 2013. (I picked this one becasue I knew some of the details) On September 9, 2013, the Board of Directors of SAIC, Inc.(Ticker Symbol (NYSE):SAI) appr... |
Should I be claiming more than 1 exemption? | J - Approaching the answer from the W4 perspective (for calculation purposes) may be more trouble that it's worth. I'd strongly suggest you use tax software, whether it's the 2016 SW or a current year one, on line, to get an estimate of your total tax bill for the year. You can then look at your current run rate of tax... |
Bitcoin Cost Basis Purchases | As long as the IRS treats bitcoin as property, then whenever you use bitcoin to buy anything you are supposed to consider the capital gain or capital loss. There is no "until it's converted to fiat". You are paying local sales tax and capital gains, or paying local sales tax and reporting capital loss. As long as you a... |
How would I use Google Finance to find financial data about LinkedIn & its stock? | It's been traded publicly for only about a month. I wouldn't put much credence in a P/E ratio just yet because it hasn't had to report anything like a grown-up publicly traded company yet. |
Retirement savings vs building lucrative assets | Fahad, in finance we make a distinction between investments that tend to grow in value and assets that hold value. Investments that grow in value are generally related to investing in well-thought out businesses. Investments can be done in retirement accounts through stocks and bonds but also owning part of a busines... |
What should I consider when I try to invest my money today for a larger immediate income stream that will secure my retirement? | Lets assume you put the max of 5000 per year in a Roth IRA. You have your home and all other debt paid off, and your investment earns 10%, a few points below the market average. You will have $822,470 at 65, 1005K at 67 that you can draw on tax free. It is a fairly tidy sum and should keep you from working as the gr... |
When is the best time to put a large amount of assets in the stock market? | Trying to "time the market" is usually a bad idea. People who do this every day for a living have a hard time doing that, and I'm guessing you don't have that kind of time and knowledge. So that leaves you with your first and third options, commonly called lump-sum and dollar cost averaging respectively. Which one t... |
Freelancer in India working for Swiss Company | I am a freelancer based in Europe and I want to tell you: - if you are a freelancer, then you INVOICE your Swizzerland based client The word salary is improper. - So your client will DEDUCE the invoice from its taxes, and NOT pay income tax on top of that invoice. Because invoice = expense. So, ONLY YOU pay income tax... |
Why are big companies like Apple or Google not included in the Dow Jones Industrial Average (DJIA) index? | That is a pretty exclusive club and for the most part they are not interested in highly volatile companies like Apple and Google. Sure, IBM is part of the DJIA, but that is about as stalwart as you can get these days. The typical profile for a DJIA stock would be one that pays fairly predictable dividends, has been aro... |
What is Bearish Bar Reversal? | What it is trying to describe is the psychology around the current price of the stock. In candlestick charts for example, if you get what is called a Bearish Engulfing Candle (where the open is higher than the previous day's close and the close is lower than the previous day's open) at the top of an uptrend, this coul... |
Low risk withdrawal from market. Is there a converse to dollar-cost-averaging? | When you are a certain age you will be able to tap into your retirement accounts, or start receiving pension and social security funds. In addition you may be faced with required minimum distributions from these accounts. But even before you get to those points you will generally shift the focus of new funds into the ... |
How do you save money on clothes and shoes for your family? | I feel the same way too! With two kids, I feel like I am spending what it would cost to run a small country just on clothes, shoes, jackets, replacing everything as it is grown out of! A few things I do: I shop in affordable places and check out sales, and look for the cutest things I can find there in a reasonable p... |
Everyone got a raise to them same amount, lost my higher pay than the newer employees | You didn't get laid off or have your hours cut back when the minimum wage was raised? I guess you have much to be grateful for, including a higher hourly rate. An excellent record is its own reward. When you finish your degree you will be grateful for the good habits you have established. You won't ever lose a nights s... |
How to return 4 - 6% on savings / investments with little / no management? | I'm assuming you mean 4-6% annually over 10-15 years. If you mean 4%-6% total return over 10 years then this question is easy just find your local country's 10Y bond and that should likely cover it (though barely if you are German). So 4%-6% annually is not a big stretch but it does require some risk and at least a bi... |
As a total beginner, how do I begin to understand finance & stocks? | How I understand it is: supply/demand affect price of stock negatively/positively, respectively. Correct. Volume is the amount of buying/selling activity in these stocks (more volume = more fluctuation, right?). Sort of. Higher volume means higher liquidity. That is, a stock that is traded more is easier to trade... |
Does a disciplined stock investor stick with their original sell strategy, or stay in and make more? | One of things I've learned about trading on the stock market is not to let your emotions get to you. Greed and fear are among them. You may be overthinking. Why not keep it simple, if you think it can go up to $300 a share, put in a stop loss at $X amount where you would secure your invested money along with some gains... |
Dividends Growing Faster than Cost of Capital | I don't think the method falls short, it's the premise that is wrong. If the dividend stream really did grow faster than the cost of capital indefinitely, eventually the company behind the share would become larger than the entire economy. Logically, at some point, the growth must slow down. |
why is the money withdrawn from traditional IRA taxed at the ordinary income tax rate? | In a Traditional IRA contributions are often tax-deductible. For instance, if a taxpayer contributes $4,000 to a traditional IRA and is in the twenty-five percent marginal tax bracket, then a $1,000 benefit ($1,000 reduced tax liability) will be realized for the year. So that's why they tax you as income, because they ... |
Can a company block a specific person from buying its stock? | The answer to this question is given by the fact that many public companies have people who are opposed to the company's aims or practices and who own their stock, often a single share, for the purposes of turning up to shareholder meetings and haranguing directors/asking awkward questions/disrupting proceedings, etc. ... |
Should I sell a 2nd home, or rent it out? | So here are some of the risks of renting a property: Plus the "normal" risk of losing your job, health, etc., but those are going to be bad whether you had the rental or not, so those aren't really a factor. Can you beat the average gain of the S&P 500 over 10 years? Probably, but there's significant risk that somethi... |
What is the rough estimate of salary value for a taxpayer to pay AMT? | Alternative Minimum Tax is based not just on your income, but moreso on the deductions you use. In short, if you have above the minimum AMT threshold of income (54k per your link), and pay a tiny amount of tax, you will pay AMT. AMT is used as an overall protection for the government to say "okay, you can use these ded... |
Equity As Part of Compensation | At the most basic level, the employee is getting a share of ownership in the company and would get a percentage of the sales price. That said, as littleadv alluded to, different share classes have different priorities and get paid in different orders. In a bankruptcy, for example, some classes almost never get paid in ... |
Is it possible to get life insurance as a beneficiary before the person insured dies? | I recall the following business from the AIDS crisis: viatical settlement But because there were life-extending treatments developed in the 1990s, many third parties which engaged in these took a bath and it's not as common. |
Hiring a teenager as a household employee | Here is what I was able to find: Yes, but there are special instructions for minors: Working hours: New York State labor laws are slightly more strict than the federal: https://www.labor.state.ny.us/workerprotection/laborstandards/workprot/nyvsfed.shtm Minimum wage: The Dept of Labor's Youth & Labor page states: Occupa... |
How to deal with the credit card debt from family member that has passed away? | Sorry for your loss. I am not a lawyer and this isn;t legal advice -- which I am not licensed to give. But I've had to deal with some debt situations of my own. I think the worst case scenario is the creditor can get a judgment, but that won't be against you unless you were a co-signor. The collectors are going to prey... |
How to rebalance a portfolio without moving money into losing investments | Also, almost by definition rebalancing involves making more trades than you would have otherwise; wouldn't the additional trading fees you incurred in doing so reduce the benefits of this strategy? You forgot to mention taxes. Rebalancing does or rather can incur costs. One way to minimize the costs is to use the p... |
What are the marks of poor investment advice? | I would also consider unnecessarily complex investment strategies a big warning sign as they can easily hide poor investment advice or a bad strategy. This is especially the case when it comes to retail investment as complex strategies can have so many moving parts that you, as someone with a day job, can't spend enoug... |
Is the MBA an overrated degree/qualification? | The quality of the MBA is really what decides if it's worth it. You have to make sure the school where you are going to is highly regarded or even prestigious. There is a big difference between what you find prestigious and others find prestigious. The student believing it is an awesome school is not enough, the compan... |
Income in zero-interest environment | anything that produces steady income will produce a "real return" (return above inflation) in a zero-interest rate environment: Note, however, that all of these will decline in value if interest rates rise. |
What would be the signs of a bubble in silver? | In my opinion, you're in a precious metals "bubble" when rising prices are driven by the people's desire the own the commodity without a reason other than "the market is going up". Usually "bubble" markets are fueled by lots of debt. IMO, this isn't a bubble. I don't think that silver and gold values are shooting up li... |
Is gold subject to inflation? [duplicate] | The general argument put forward by gold lovers isn't that you get the same gold per dollar (or dollars per ounce of gold), but that you get the same consumable product per ounce of gold. In other words the claim is that the inflation-adjusted price of gold is more-or-less constant. See zerohedge.com link for a chart o... |
Got charged ridiculous amount for doctor's walk in visit. What are my options? | If you are disputing the size of the charge for specific services, like you think that they overcharged for lab work, you can try disputing it with the business office staff at the doctor's office. If, on the other hand, you just think that the overall bill is too expensive then you really only have one option. You can... |
As an American working in the UK, do I have to pay taxes on foreign income? | Yes. You do have to pay taxes in the UK as well but it depends on how much you have already been taxed in the US. http://taxaid.org.uk/situations/migrant-workernew-to-the-uk/income-from-abroad-arising-basis-vs-remittance-basis Say, you have to pay 20% tax in the UK for your earnings here. You ARE required to pay the sa... |
Is it possible for all the owners of a stock to gain or lose money at the same time? | Take the case where a stock has just two owners, A and B, both at $10. One of them sells his shares to C, at $11. Now B has made $1 in profit but is no longer an owner of the stock. A hasn't sold anything but his shares are worth 10% more due to the last traded price printed. C has bought shares at $11 and the price i... |
Could someone place an independent film on the stock market? | Stock is a part ownership of a business. First there has to be a business that people want to own part of because they expect to make a profit from that ownership. Nobody is going to be interested if the business isn't worth anything. In other words: sure, you could try to start a movie production house to make this ... |
What is good growth? | The first issue is if the stock has returned 8% since you purchased it that could be either very good (8% in two days) or very bad (8% over 20 years). Even just measured over the past year it could be relatively very good (up 8% and the market is down 5%) or very bad (up 8% and the market is up 16%). Either way, the g... |
Can a Line of Credit be re-financed? Is it like a mortgage, with a term? | You can often convert the outstanding balance of a HELOC into a fixed-rate home equity loan, generally with the same bank. Doing this can open possibilities to extend the term allowing for lower monthly payments, but resulting in a larger overall payoff cost. Most HELOCs allow for an interest-only payment or in some c... |
Why can't the government simply payoff everyone's mortgage to resolve the housing crisis? | TARP was ~$475 billion of loans to institutions. Loans that are to be paid back, with interest (albeit very low interest). A significant percentage of the TARP loans have been (or will be) paid back. So, the final price tag of the TARP was only a few $billion (pretty low considering the scale of the program). There ... |
Does freedom to provide services allow me contracting in Germany without paying taxes there (but in my home EU country)? | You're free to provide services, but if you stay in one country for more than half a year - you're generally considered to be its resident for tax purposes. Germany is no exception to the rule, in fact - this is true to almost any country in the world. If you provide the services from Poland, and never set foot in Germ... |
Malaysian real estate: How to know if the market is overheated or in a bubble? | I don't buy the "house prices will always increase due to the increased cost of raw materials" argument. In a lot of countries you will find that the cost of (re)building a property is substantially lower than its perceived sale value. If it wasn't, there would be no incentive for developers to take the risk of buying ... |
In Canada, how bad must your credit be for a denial of a Secured Credit Card? | Although now there are "welcome" banking packages when I landed in 2008 I couldn't find any and Vancity gave me a secured visa nonetheless. Let me emphasize: I didn't have a credit history, score at all. I doubt this changed much. The bank has zero risk. |
Asset protection: When should an individual seriously consider shielding their assets? | If your meaning of "asset protection" is buying gold and canned food in the name of a Nevada LLC because some radio guy said so, bad idea. For a person, if you have assets, buy appropriate liability limits with your homeowner/renter insurance policy or purchase an "umbrella" liability policy. This type of insurance is ... |
Dry cleaners lost $160 pants, what should I do? | You are looking to be made whole, so the requests need to be reasonable. You need to be clear that you want: You aren't going to 'punish' the dry cleaner or anything else. You don't want coupons or free service for future work, you want your pants or cash. If you send a letter, send it certified with a return receipt... |
Since many brokers disallow investors from shorting sub-$5 stocks, why don't all companies split their stock until it is sub-$5 | A stock split can force short sellers of penny stocks to cover their shorts and cauuse the price to appreciate. Example: Someone shorts a worthless pump and dump stock, 10,000 shares at .50. They have to put up $25,000.00 in margin ($2.50 per share for stocks under $2.50). The company announces a 3 to 1 split. Now... |
Replacement for mint.com with a public API? | Check Buxfer here are the details about the API: http://www.buxfer.com/help.php?topic=API |
What is a straddle? | A straddle is an options strategy in which one "buys" or "sells" options of the same maturity (expiry date) that allow the "buyer" or "seller" to profit based on how much the price of the underlying security moves, regardless of the direction of price movement. IE: A long straddle would be: You buy a call and a put at ... |
Is there any way to attach a statement of explanation while submitting a tax return electronically using Free Fillable Forms? | Depending on what you need to explain, you can submit your electronic return without the supplemental information and subsequently mail a Form 8453 with the additional information. This is helpful for form 8489, for example, where you need to list every transaction reported by your stock broker on a 1099-B. See https... |
What should a 21 year old do with £60,000 ($91,356 USD) inheritance? | It's important to consider your Investor Profile when deciding the right kind of vehicle for your finances. You are a young guy, with a considerable earned income and no dependents (sorry, this was not clear from the question.) This means that you are able to take a lot of risks that people who also have a family to th... |
Google market cap | You are right: if the combined value of all outstanding GOOG shares was $495B, and the combined value of all GOOGL shares was $495B, then yes, Alphabet would have a market cap of at least $990B (where I say at least only because I myself don't know that there aren't other issues that should be in the count as well). Th... |
Capital Gains Tax - Does this apply only to the actual “gains” or to the entire amount of my sale? | You normally only pay taxes on the difference between the sale price and the cost basis of the asset. In your example, you would probably pay taxes on the $10 difference, not the full sale price of $110. If you paid a commission, however, you would be taxed on your gain minus the commission you paid. Since you held the... |
Why do people invest in mutual fund rather than directly buying shares? | How on earth can you possibly know what is going on in individual company X? The sole exception is if it is your own company. The stock markets of the world are in fact a nest of sharks. The big sharks essentially make money out of the little sharks. Some little sharks manage not to be eaten, and grow bigger. Good ... |
Where do expense ratios show up on my statement? | For Vanguard: Vanguard does compare its fees with similar funds from its competitors on this tab, but then again, this is Vanguard giving you this information, so take with a grain of salt. |
Where is “Cash Credit from Unsettled Activity” coming from? | The Cash Credit from Unsettled Activity occurs because AGG issued a dividend in the past week. Since you purchased the ETF long enough before the record date (June 5, 2013) for that trade to settle, you qualified for a dividend. The dividend distribution was $0.195217/share for each of your six shares, for a total cred... |
For how long is a draft check valid, and where do the funds sit? | To answer length validity and security implications of draft checks issued and negotiated within the United States, I am heavily addressing the common erroneous assumptions of where the funds sit while they're "in" a draft check and how to get them out. Tl;Dr The existing answers are incomplete and in some ways dangero... |
Is expense to freelancers tax deductible? | Yes, but make sure you issue a 1099 to these freelancers by 1/31/2016 or you may forfeit your ability to claim the expenses. You will probably need to collect a W-9 from each freelancer but also check with oDesk as they may have the necessary paperwork already in place for this exact reason. Most importantly, consult ... |
Is there a mathematical formula to determine a stock's price at a given time? | Try to find the P/E ratio of the Company and then Multiply it with last E.P.S, this calculation gives the Fundamental Value of the share, anything higher than this Value is not acceptable and Vice versa. |
Returning to the UK after working in Switzerland, What to do with my Swiss Francs? | A general principle in finance is that you shouldn't stick with an investment or situation just because it's how you're currently invested. You can ask yourself the following question to help you think it through: If, instead, I had enough GBP to buy 20000 CHF, would I think it was a good idea to do so? (I'm guessing t... |
Can warrants to buy stock contain conditions or stipulations other than price? | All sorts of conditions, yes. Most commonly is a limitation on the exercise date. The two more common would be American which is exercisable any time, and European which are only exercisable on their expiry date. Sometimes they may be linked to the original asset, and might only be convertible to stock if that origina... |
How does the bank/IRS know whether a bank transfer over $14k is a gift or loan repayment? | You don't need to file or do anything. The bank will report all transfers over 10 000, but chances are slim that it will even be looked at, if you don't do this every week. Worst case, someone will ask you about the source, and you tell them exactly what you wrote above (I had multiple international transfers over 60k ... |
I'm 23, living at home, and still can't afford my own property. What could I do? | I wouldn't be too concerned, yet. You're young. Many young people are living longer in the family home. See this Guardian article: Young adults delay leaving family home. You're in good company. Yet, there will come a time when you ought to get your own place, either for your own sanity or your parents' sanity. Y... |
Should you always max out contributions to your 401k? | Rule of thumb: Invest in a tax deferred account only if your marginal tax rate is higher now than it will be in retirement. If you plan on making more taxable income in retirement than you do right now, then you should invest outside a tax deferred account. |
What choices should I consider for investing money that I will need in two years? | If you ever need the money in three years, imagine that today is 2006 and you need the money in 2009. Keep it in savings accounts, money-markets, or CDs maturing at the right time. |
Why buy insurance? | The fundamental flaw here is conflating net worth with utility, at least failing to recognize that there's a nonlinear relationship between the two. In the extreme example imagine taking a bet that will either make you twice as rich or completely broke. Your expected return is zero, but it would be pretty dumb to take... |
Where to find out conversion ratio between General Motors bonds and new GM stock? | Looks like the result got decided recently, with a little uncertainty about exactly how much is the total allowed claims: http://www.wilmingtontrust.com/gmbondholders/plan_disclosure.html http://www.wilmingtontrust.com/gmbondholders/pdf/GUC_Trust_Agreement.pdf They give the following example: Accordingly, pursuant to S... |
Taking Losses To Save On Tax | No, if you are taking a loss solely and purely to reduce the tax you have to pay, then it is not a good strategy, in fact it is a very bad strategy, no matter what country you are in. No investment choice should be made solely due to your tax consequeses. If you are paying tax that means you made a profit, if you made ... |
Bid price… sudden Drop | An option gives you the option rather than the obligation to buy (or sell) the underlying so you don't have to exercise you can just let the option expire (so long it doesn't have an automatic expiry). After expiration the option is worthless if it is out of the money but other than that has no hangover. Option prices ... |
How does Yahoo finance adjust stock data for splits and dividends? | Should be noted that pacoverflow's answer is wrong. Yahoo back-adjusts all the previous (not current or future) values based on a cumulative adjustment factor. So if there's a dividend ex-date on December 19, Yahoo adjusts all the PREVIOUS (December 18 and prior) prices with a factor which is: 1 - dividend / Dec18Close |
incorrect printed information on check stock | Probably a bad assumption, but I'm assuming your in the United States. Keep in mind, that the check number is printed in 2 places on the front of each check. First, in the upper right corner, and also along the bottom edge on of the check. Since the check number is scanned by the bank from the bottom edge of the check,... |
Who can truly afford luxury cars? | Bravo to A.O's analysis, even with it's resentful tone.... I did not have any help from my parents and still can't afford a luxury car. I have two college degrees, raised three children, and have always worked at least a 40 hour work week. The only reason I can give is not wanting it badly enough... It all boils down t... |
How to account for a shared mortgage in QuickBooks Online? | How you should record the mortgage payments depends on if you are trying to achieve correct accounting, according to the standards, or if you are just tracking everything for you and your friends. If you're just keeping track for personal reasons, I'd suggest that you set up your check (or journal entry, your preferenc... |
How come the government can value a home more than was paid for the house? | The real answer why the government is "allowed" to do something is because they are the government and they make the rules. There are lots of laws that I think make no sense. I ran into a similar situation to yours. I bought a house during a time when the market in my area was way down. The previous owner had paid $140... |
What does net selling or buying of a stock mean? | What does it mean when some one says that today there was a lot of net selling or buying in a stock. What does it mean because for every selling there is also a buying going on then how can you determine a selling or buying ? Generally if the price of stock has gone down compared to previous day, the trend is of sellin... |
Why do investors buy stock that had appreciated? | A few reasons. First, it's hard to buy a stock that has never gone up, and isn't necessarily wise to do so. Even if you just wait for a stock go down, what if you wait and it goes up two dollars, then drops 10 cents? Has it gone up or down? When should you buy it? In general, your idea is correct, the higher the pr... |
Do company-provided meals need to be claimed on my taxes? | It looks like the resource to deciding these is here Concerning the meals, the law seems a bit vague to me. You can exclude the value of meals you furnish to an employee from the employee's wages if they meet the following tests. This exclusion does not apply if you allow your employee to choose to receive additio... |
Helping girlfriend accelerate credit score improvement | In the short term what does it matter if she has poor credit? Just let it ride and focus on the important things. In the long term the most important part is "completing the divorce". That is separating all parts of her financial life from her ex-husband. This might mean she takes possession of the house and has him... |
Why is property investment good if properties de-valuate over time? | One reason for this is that many people don't simply allow their houses to rot and decay. If you're talking about a house built in 1980 and left vacant and unmaintained for 35 years, it probably will be in pretty poor shape. But a homeowner generally wants to preserve their house and maintain it in good condition, so ... |
Scam or Real: A woman from Facebook apparently needs my bank account to send money | 100% scam. Run away. If you have already given the bank account, inform the bank and close the account. Else just close the new account opened. Do not contact the scammer or reply back.... Just ignore ... Don't read any of scammer email, they are very convincing in why it's right and why it's not a scam. |
My tenant wants to pay rent through their company: Should this raise a red flag? | The company that's apparently going to pay this rent wants to treat it as a business expense. They are asking for your SSN because they expect to issue a 1099-MISC. (They probably gave you a Form W-9? It's not mandatory but it's common to request a taxpayer ID on this form.) There are a couple of issues at play here: |
Why do some companies offer 401k retirement plans? | I agree with the other answers that it is a benefit, but wanted to add another explanation for this: Also, why a company would prefer matching someone's contributions (and given him or her additional free money) instead of just offering a simple raise? In addition to a match being a benefit that is part of your tot... |
Is this Employee Stock Purchase Plan worth it when adding my student loan into the equation? | The closer the contribution is to the December 31st date, the more profitable that specific contribution is, only taking into consideration the 5% discount. On your case, the first contribution that beats your student loans interest rate is the August one, where you get about 9% annual return, the remaining contributio... |
What is the difference between “good debt” vs. “bad debt”? | The word "good" was used in contrast to "bad" but these words are misused here. There are three kinds of debt: Debt for spending. Never go into debt to buy consumables, go out for a good time, for vacations, or other purchases with no lasting financial value. Debt for depreciating assets, such as cars and sometimes th... |
Do stock prices drop due to dividends? | I would say that the answer is yes. Investors may move on purchasing a stock as a result of news that a stock is set to pay out their dividend. It would be interesting to analyze the trend based on a company's dividend payouts over 10 or so years to see what/how this impacts the market value of a given company. |
Steps and timing of the SEIS investment (in the UK) | You make the investment in Jan 2016. Assuming the SEIS certificate is issued before 5th April 2016, then you will enter the SEIS investment on your 2015-2016 tax return and claim the relief in that year. If the certificate is not issued in time then you will enter it in the 2016-2017 tax return and get the relief then.... |
Who should pay taxes in my typical case? | The bottom line is you broke the law. While this is pretty much victimless, it is none the less a violation of the law and should be avoided in the future. I would have not agreed to this as a parent and it sets a bad precedent. As such I would avoid trading and move the money into cash until you turn 18. Once you... |
$1.44 million in holdings: Help my non-retired, 80-year-old dad invest it | This is not the answer you were hoping for. I recommend that you stay out of it and let your parents do what they want with their money. They are obviously very good savers and very thrifty with their money. At this point, they likely have more money than they need for the rest of their lives, even if it doesn't grow... |
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