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Is investing into real estate a good move for a risk-averse person at the moment | Real estate is never a low-risk investment. I'd keep your money in the bank, and make sure that you don't have more in any one bank than is guaranteed in the event of bank failure. If your bank account is in Greece, Italy, Spain, Portugal or Ireland, I'd consider moving it to Eurozone country that's in better shape, as... |
Reason for “qualified” buyer requirements to exercise stock options/rights spun off from parent company? | An option gives you the legal right to buy stock. However, you cannot exercise a stock option unless you have the ability to buy the stock. In the United States, securities not fully registered with the SEC for public sale cannot be purchased except by qualified investors. |
Buying a house 50/50 | This question is really a variation of rent vs buy. Try looking at it this way - If you bought it 50/50 and rented it out, what would you both get? Now, moved in, you are effectively collecting that rent, but half is your own money, half is from the partner. Is the half you are getting the from the partner equal to 1... |
Why do consultants or contractors make more money than employees? | In addition to the other answers, consultants and contractors face a real risk (though admittedly small) of not getting paid. The more short-term the gigs are, the higher the risk of not getting paid for a particular job. As an employee, there are laws to ensure that you get your paycheck. As a contractor, you're just ... |
I have an extra 1000€ per month, what should I do with it? | I'm almost in the same situation as you. Here is what I'm doing. Buy ETFs each time you have above 3000€ saved up. I buy these: HSBC S+P 500 C.S.-MSCI PACIFIC UBS-ETF-MSCI EMERGING MARKETS ISH.STOX.EUROPE 600 They are taxable under Abgeltungssteuer, so no hassle with that, are cheap and cover almost the entire world e... |
Is there a good rule of thumb for how much I should have set aside as emergency cash? | Many, many good answers here, but I like this one: One month's worth of expenses for each full percentage of unemployment. Therefore, it would normally float between, say five months and ten months. When the economy's hoppin' -- you have less to worry about. When times are tough -- beef up that fund. |
Why do interest rates increase or decrease? | My answer is specific to the US because you mentioned the Federal Reserve, but a similar system is in place in most countries. Do interest rates increase based on what the market is doing, or do they solely increase based on what the Federal Reserve sets them at? There are actually two rates in question here; the Wikip... |
Choose online stock trading companies | That all depends on you. The cheaper places are certainly going to cost less, but when it comes to comparing value that is a subjective decision that only you can make. Maybe the more expensive one has an easier to user website, friendlier customer service, or something else you value enough to pay more for trades. |
Do I have to work a certain amount of hours in order to get paid monthly? | Frequency of paychecks is up to the company. Many pay monthly. Some pay twice a month, or every other week. I haven't heard of any paying more frequently unless they were tiny "mom and pop" businesses or grunt-labor/fast-food minimum-wage jobs. Cutting the checks more often is more expensive for the company. And freque... |
Can a company block a specific person from buying its stock? | The company could use registered shares with restricted transferability, i.e. shares that require the consent of the issuing company for a change of ownership. |
Other ETFs of world bonds and stocks (Alternatives to VT and BND)? | Here is another choice I like, iShares JPMorgan USD Emerging Markets Bond (EMB) Here is the world ETFs |
How much time would I have to spend trading to turn a profit? | Probably several years at least. Maybe more like ten years. You need to watch a market for a substantial period of time to make money consistently. If you hit it big before then, you beat the odds that were against you. |
collateralized mortgage obligations | Say there are 5 people took loan of $100000 each. Those 5 people work in different jobs and have different capacity to payoff loan. Someone earning $40000 a year has higher risk to default on their payment then someone making $250000 a year. As Bank wants to sell this CDO to investor but how would investor know what ... |
Is it common in the US not to pay medical bills? | There are some uniquely American issues in this question (and answer), but some general principles as well. Regarding the comment that you quoted, the context (some of which you excluded) needs some clarification. |
Corporate Equity Draw vs Income | You tagged with S-Corp, so I assume that you have that tax status. Under that situation, you don't get taxed on distributions regardless of what you call them. You get taxed on the portion of the net income that is attributable to you through the Schedule K that the S-Corp should distribute to you when the S-Corp fil... |
High-risk investing is better for the young? Why? | If you spent your whole life earning the same portfolio that amounts $20,000, the variance and volatility of watching your life savings drop to $10,000 overnight has a greater consequence than for someone who is young. This is why riskier portfolios aren't advised for older people closer to or within retirement age, th... |
Is 6% too high to trade stocks on margin? | Okay so we are assuming that you can sustain 6% or more return on your investments. Personally I would compare that rate to what lines of credit are going for and do what ever is least expensive. Either way your risk is the same. Your net worth is the same. Your assets will be the same. Your liabilities will be t... |
Unemployment Insurance Through Options | This is a snapshot of the Jan '17 puts for XBI, the biotech index. The current price is $65.73. You can see that even the puts far out of the money are costly. The $40 put, if you get a fill at $3, means a 10X return if the index drops to $10. A 70X return for a mild, cyclic, drop isn't likely to happen. Sharing yout... |
Can i short securities in a normal(non-margin) account | Exact rules may be different depending on the size of the investor, the specific broker, and the country. For both the US and Canada, short sales occur only through one's margin account. And shares that are borrowed for shorting only come from a margin account. Shares held in a cash account are not available for shor... |
If I have AD&D through my employer, should I STILL purchase term life insurance? | It probably does make sense for you to buy term life insurance separate from your employer, for a few reasons: There are a number of life insurance calculators on the web. Try two or three -- some of them ask different questions and can give you a range of answers regarding how much coverage you should have. Then take ... |
Single investment across multiple accounts… good, bad, indifferent? | One implication is the added fees if you are investing in something with a trading cost or commission, such as your stock purchase. If you pay low costs to trade (e.g. with a discount broker) and don't switch your investments often, then costs overall should remain reasonable .. but always be aware of your costs and se... |
Money market account for emergency savings | I think it's only a choice of terminology. Typically with a money market account has check-writing privileges whereas a savings account does not. In terms of rates, this blog has a good list of high interest yield savings accounts. http://www.hustlermoneyblog.com/best-bank-rates/ Disclosure: I am not affiliated with t... |
Is there a candlestick pattern that guarantees any kind of future profit? | Nothing is guaranteed - candlesticks are not crystal balls nor is any part of technical analysis. Candlestick patterns used correctly and in combination with other western technical indicators can increase the probability of a trade going into the derived direction, but they are not a guarantee - which is why you shoul... |
what are the downsides of rolling credit card debt in this fashion | Awesome, you are a math guy. Very good for you. In theory, what you are proposing, should work out great as the math works out great. However have you taken a economics or finance coursework? The math that they do in these class will leave a most math guys uncomfortable with the imprecision even when one is comfort... |
Should I finance a car to build credit for a mortgage next year? | The fluctuation of interest rates during the next year could easily dwarf the savings this attempt to improve your credit score will have; or the reverse is true. Will the loan improve your score enough to make a difference? It will not change the number of months old your oldest account is. It will increase the breadt... |
23 and on my own, what should I be doing? | You are asking all the right questions. I predict a bright future! In addition to the excellent advice from Phil, I would add that NOW is the time to think about investing. If you have not yet started a retirement account, open up a Roth IRA and max it out ($5.5k in 2014) every year. The time value of money is strong a... |
If the U.S. defaults on its debt, what will happen to my bank money? | I have been through default in Ukraine august 1998. That was a real nightmare. The financial system stopped working properly for 1 month, about 30% of businesses went bankrupt because of chain effect, significant inflation and devaluation of currency. So, it is better to be prepared, because this type of processes resu... |
Smart to buy a house in college? | Of course, I know nothing about real estate or owning a home. I would love to hear people's thoughts on why this would or would not be a good idea. Are there any costs I am neglecting? I want the house to be primarily an investment. Is there any reason that it would be a poor investment? I live and work in a college t... |
Is there a legal deadline for when your bank/brokerage has to send your tax forms to you? | Many of the custodians (ie. Schwab) file for an extension on 1099s. They file for an extension as many of their accounts have positions with foreign income which creates tax reporting issues. If they did not file for extension they would have to send out 1099s at the end of January and then send out corrected forms. ... |
Blog income taxes? | If thinking about it like a business you normally only pay taxes on Net income, not gross. So Gross being all the money that comes in. People giving you cash, checks, whatever get deposited into your account. You then pay that out to other people for services, advertisement. At the end of the day what is left would be... |
How could USA defaulting on its public debt influence the stock/bond market? | Regarding the Summer of 2011 Crisis: There is NO reason that the United States cannot continue borrowing like it is just based on a particular ratio: Debt to GDP. The Debt to GDP ratio right now is around 100%, or 1:1. This means the US GDP is around $14 Trillion and its debt is also around $14 trillion. Other countr... |
What is the best credit card for someone with no credit history | If you've never had a credit card before a likely reason can be due to lack of credit history. You can apply for a department store card. Nordstroms, Macy's, Target will often grant a small line of credit even with no history. Target would be my first attempt as they have a wide selection of every day items, improving ... |
Do dark pools have to declare the volume transacted at the end of the day? | Members of the Federal Reserve System keep track of what money a bank has (if it's not in the vault), who owns what shares of stock, who owns what bond, etc. The part of the Federal Reserve System that tracks stock ownership is the Depository Trust Company (DTC). They have a group of subsidiaries that settle various ty... |
$200k in an IRA, unallocated. What's the safest investment? | Define "risk-sensitive": The point is, define Your risk, and your choices will narrow. Some investors worry more about what next months statement will show & lose sleep over it; some investors do not want to miss the average historical rates of return for equities (stocks) and are willing to tolerate fluctuations in mo... |
Should the price of fuel in Australia at this point be so high? | Fuel prices are regulated in most countires. The way its regulated differs. Essentially the idea is once the retail prices are up, they are normally kept that level so that a buffer profit is built, now if the fuel prices increase beyond the retail price can still be kept same using the buffer built up. |
Are credit cards not viewed as credit until you miss one payment? | Not sure what you mean by "missing". Credit card debt can be paid back in full when you get the bill, or you can "take a loan" and "pay in installments". If you do the latter, and pay back at least the minimum required amount on time, you are not "missing" your payment. Technically, you are taking a small, but expensiv... |
I don't live in America. How can I buy IPO stock of newly listed companies in the United States? | First thing to consider is that getting your hands on an IPO is very difficult unless you have some serious clout. This might help a bit in that department (http://www.sec.gov/answers/ipoelig.htm) However, assuming you accept all that risk and requirements, YES - you can buy stocks of any kind in the US even if you are... |
How do you translate a per year salary into a part-time per hour job? | If you're really a part-time worker, then there are some simple considerations.... The remote working environment, choice of own hours, and non-guarantee of work availability point to your "part-time" situation being more like a consultancy, and that would normally double or triple the gross hourly rate. But if they're... |
Help me understand Forex in Interactive Brokers | You're confusing open positions and account balance. Your position in GBP is 1000, that's what you've bought. You then used some of it to buy something else, but to the broker you still have an open position of 1000 GBP. They will only close it when you give them the 1000GBP back. What you do with it until then is none... |
Pros/Cons of Buying Discounted Company Stock | Some other answers mention the ability to sell at grant. This is very important. If you have that ability, think about your guaranteed return. In my case, I get a 15% discount on the lowest 6 month window price from the last two years. If you do the math, the worst case return can be calculated: 1) Money that from the... |
Are the stocks of competitor companies negatively correlated? | It is important to first understand that true causation of share price may not relate to historical correlation. Just like with scientific experiments, correlation does not imply causation. But we use stock price correlation to attempt to infer causation, where it is reasonable to do so. And to do that you need to unde... |
What should I be doing to protect myself from identity theft? | I've received letters notifying me of data breaches in the past. In the end, I've never signed up for the offered protection service, figuring if "they" can hack Target or ADP or the IRS, they can hack anybody, like... Equifax. And now Equifax has been hacked. My family's Social Security Numbers were stolen from a ho... |
Investing $50k + Real Estate | Get rid of the lease and buy a used car. A good buy is an Audi because they are popular, high-quality cars. A 2007 Audi A4 costs about $7000. You will save a lot of money by dumping the lease and owning. Go for quality. Stay away from fad cars and SUVs which are overpriced for their value. Full sized sedans are the saf... |
Should I wait to save up 20% downpayment on a 500k condo? | The simple answer is yes - put 20% (or more) down. In the past I have paid PMI and used a combination first and second mortgage to get around it. I recommend avoiding both of those situations. I am much more comfortable now with just a regular mortgage payment. The more equity you have in your home the more options you... |
Scam or Real: A woman from Facebook apparently needs my bank account to send money | This is a scam, I'm adding this answer because I was scammed in this fashion. The scammer sent me a check with which I was to deposit. When the money showed up in my account, I would withdraw the scammer's share, and wire the cash to its destination. However, it takes a couple days for a check to clear. Banks, howeve... |
Virtual currency investment | I don't know much about paypal or bitcoin, but I can provide a little information on BTC(Paypal I thought was just a service for moving real currency). BTC has an exchange, in which the price of a bitcoin goes up and down. You can invest in to it much like you would invest in the stock market. You can also invest in e... |
Why doesn't Japan just divide the Yen by 100? | Currently, there is simply no reason to do so. It's not a problem. It is no more of a problem or effort to denote "5,000" than it is to denote "50.00". But if there were a reason to do so, it wouldn't be all that difficult. Of course there would be some minor complications because some people (mostly old people presuma... |
Why do many British companies offer a scrip dividend option in lieu of cash? | There are quite a few reasons that a company may choose to pay dividends rather than hold cash [increasing the share value]. Of couse there are equally other set of reasons why a company may not want to give dividends and hold on to cash. Related question here Please explain the relationship between dividend amount, ... |
In the stock market, why is the “open” price value never the same as previous day's “close”? | What most of these answers here seem to be missing is that a stock "price" is not exactly what we typically expect a price to be--for example, when we go in to the supermarket and see that the price of a gallon of milk is $2.00, we know that when we go to the cash register that is exactly how much we will pay. This is... |
What should I look at before investing in a start-up? | You seem to have all your financial bases covered, and others have given you good financial advice, so I will try to give you some non-financial ideas. The first and most important thing is that you are investing with a long time friend, so the dynamics are a lot different that if you had recently met a stranger with a... |
Is there a good forum where I can discuss individual US stocks? | I've used Wikinvest before and think that's close to what you're looking for - but in Wiki-style rather than forums. Otherwise, I agree with CrimsonX that The Motley Fool is a good place to check out. |
Why are interbank payment (settlement) systems closed for weekends and holidays? | TARGET2 is a high value realtime settlement system across Europe and for this to be open on weekends would mean all the Banks including Central Banks in the Euro Zone work. Quite a few times to manage intra day liquidity, banks borrow from each other, hence there is an active monitering of the liquidity by Banks. The b... |
How does a high share price benefit a company when it is raising funds? | Share price is based on demand. Assuming the same amount of shares are made available for trade then stocks with a higher demand will have a higher price. So say a company has 1000 shares in total and that company needs to raise $100. They decide to sell 100 shares for $1 to raise their $100. If there is demand for 1... |
Is person-person lending/borrowing protected by law? | By protected you mean what exactly? In the US, generally you'd get a promissory note signed by B saying "B promises to repay A such and such amount on such and such terms". In case of default you can sue in a court of law, and the promissory note will be the evidence for your case. In case of B declaring bankruptcy, yo... |
How does owning a home and paying on a mortgage fit into family savings and investment? | 1) How does owning a home fit into my financial portfolio? Most seem to agree that at best it is a hedge against rent or dollar inflation, and at worst it should be viewed as a liability, and has no place alongside other real investments. Periods of high inflation are generally accompanied with high(er) interest rates.... |
In the USA, does the income tax rate on my wages increase with the amount of money in my bank account? | I know that if you make more, you pay more, but do those who have more, not make more, pay higher income tax? In general, no. In most locales, income tax is based on income, not on wealth. I am retired. I have little income but a fair amount of wealth. I play very little income tax. (But I do pay other kinds of taxes... |
Tax and financial implications of sharing my apartment with my partner | I am not a lawyer nor a tax accountant, so if such chimes in here I'll gladly defer. But my understanding is: If you're romantically involved and living together you're considered a "household" and thus your finances are deemed shared for tax purposes. Any money your partner gives you toward paying the bills is not co... |
How can I determine how much my car insurance will cost me? | I'd recommend getting online quotes from several insurance companies. During the process of getting a quote, you will be asked for the year/make/model of your car. You can put in one of the cars you were thinking about buying and get a quote. Then start over and try with a different type of car. This should show y... |
Can I rollover an “individual retirement annuity” to an IRA? | You are not allowed to take a retirement account and move it into the beneficiary's name, an inherited IRA is titled as "Deceased Name for the benefit of Beneficiary name". Breaking the correct titling makes the entire account non-retirement and tax is due on the funds that were not yet taxed. If I am mistaken and titl... |
I was given a 1099-misc instead of a w-2 what are my next steps? | I agree that you should have received both a 1099 and a W2 from your employer. They may be reluctant to do that because some people believe that could trigger an IRS audit. The reason is that independent contractor vs employee is supposed to be defined by your job function, not by your choice. If you were a contractor ... |
Simplifying money management | Personally, I have a little checkbook program that I use to keep track of my spending and balance. Like you -- and I presume like most people -- I have certain recurring bills: the mortgage, insurance payments, car payment, etc. I simply enter these into the checkbook program about a month before the bill is due. Then ... |
Is foreign stock considered more risky than local stock and why? | One risk not mentioned is that foreign stock might be thinly traded on your local stock market, so you will find it harder to buy and sell, and you will be late to the game if there is some sudden change in the share price in the original country. |
Is it a good practice to keep salary account and savings account separate? | I live in the UK so it's a little different but generally you'd have one account (a current account) which would have a Visa/MasterCard debit card associated before working and any high street bank (don't know what the US equivalent would be, but big banks such as HSBC/Santander) will offer you a savings account which ... |
Algorithmic trading in linux using python | You can have a look at betabrokers. It's an simulated stock trading platform which is entirely email-based. You start with 10 000$ and you make transactions with commands in the subject line of the email (e.g. "buy 250$ AAPL" or "cover 20 shares of AAPL"). It should be straightforward to add an email interface to your ... |
historical stock data starting from 1900 | Robert Shiller published US Stock Market data from 1871. Ken French also has historical data on his website. Damodaran has a bunch of historical data, here is some historical S&P data. |
How to rescue my money from negative interest? | You obviously pay your taxes in Switzerland and are employed (judging from your comments on your maximum possible contribution to the 3. Säule). Under these circumstances, your best best may well be to pay into the occupational pension system ("Einkauf in die 2. Säule"). Essentially, you can add funds to your pension p... |
Different ways of looking at P/E Ratio vs EPS | You could not have two stocks both at $40, both with P/E 2, but one an EPS of $5 and the other $10. EPS = Earnings Per Share P/E = Price per share/Earnings Per Share So, in your example, the stock with EPS of $5 has a P/E of 8, and the stock with an EPS of $10 has a P/E of 4. So no, it's not valid way of looking at t... |
Maintaining “Woman Owned Business” while taking on investor | To qualify as a woman owned business, a woman or group of women must own shares worth 51% of the business. If your investor was a woman, the entire 5% could come from her share of the company without affecting the 51% ownership requirement. Could you find a woman to add as an investor? If you each had your shares dilut... |
Are there guidelines for whom you should trust for financial advice (online, peer, experts, only myself, etc) | You need to understand how various entities make their money. Once you know that, you can determine whether their interests are aligned with yours. For example, a full-service broker makes money when you buy and sell stocks. They therefore have in interest in you doing lots of buying, and selling, not in making you mon... |
How do I determine how much rent I could charge for a property or location? | This may not be entirely scientific, but as a landlord my usual approach is just to do a search for rental properties on Craigslist for comparable homes in the neighborhood. There are all kinds of formulas professional property managers use, but in the end these listings are the ones you are going to be competing with ... |
Carry-forward of individual losses, with late-filed past taxes [US] | Is Jim right to be worries? Yes, since the statute of limitations for refunds for 2012 is close and he might lose any tax refunds he might be entitled to for that year. Also, the pattern itself may raise some flags of suspicion and trigger audits, both because of such a variance in income and because of the medical exp... |
What are the advantages of paying off a mortgage quickly? | I used to think that paying off ahead of time made sense, but I no longer do, at least in most cases. The upside is that you can get a return on your money equal to the mortgage interest rate (it's less than that in the US, where mortgage interest is deductible, so it's roughly the mortgage interest rate * 1 - your ma... |
What is a good investment vehicle for introducing kids to investing? | I'd also look into index funds (eg Vanguard) as they have low management fees. you can buy these as ETFs as well - so you can buy in at a very low starting amount. An index fund can also be a talking point for your kids about what an industry index is and how it relates to the companies that fall into it. Also about ho... |
Is the financial advice my elderly relative received legal/ethical? | I can't speak about the UK, but here in the US, 1% is on the cheap side for professional management. For example Fidelity will watch your portfolio for that very amount. I doubt you could claim that they took advantage of her for charging that kind of fee. Given that this is grandma's money, no consultation with the ... |
want to refinance FHA loan, may move out unexpectedly and would like to keep as investment property, what are my options? | Most likely no. Just make sure to read the fine print. I'm in exactly the same boat, I have a house with an FHA loan and will be refinancing to conventional then using it as an investment. To refinance, you usually have to own 25% of your property before you can refinance, or buy another property with FHA financing.... |
Trading an FHA loan to bank for an REO | What you are suggesting will not work. Banks have strict guidelines about what they can and cannot do with an FHA loan property. Remember the FHA is only an insurance policy to the bank saying that if you default they will cover a high percentage of the loan. The bank won't take the risk of violating their insurance p... |
Options profit calculation and cash settlement | Marketwatch reports that the 108 strike call option sells for 1.45, down 1.53 from yesterday. If we split the bid and ask you get 1.415. That is what that contract will, likely, trade at. The biggest problems with options are commissions and liquidity. I have seen a commission as high as $45 per trade. I have also se... |
Pay or not pay charged-off accounts for mortgage qualification | Your post has some assumptions that are not, or may not be true. For one the assumption is that you have to wait 7 years after you settle your debts to buy a home. That is not the case. For some people (me included) settling an charged off debt was part of my mortgage application process. It was a small debt that a ... |
How to calculate ownership for property with a partner | I can't quite follow your question, so I'm proceeding under the following assumptions: - You paid £31,000 - Your partner paid £4,242 - You have at least one mortgage, which you both pay equally. If the relationship terminates, sell the property. You are reimbursed £31,000 and your partner is reimbursed £4,242. Any rema... |
Any difference between buying a few shares of expensive stock or a bunch of cheap stock | Unless your brokerage will sell you fractional shares, the most obvious difference (without us knowing the actual identify of the companies) is that with the $260 one, you will have 3 shares plus you will have $220 minus commission left over that you wanted to invest but weren't able to simply because of the mechanics ... |
Can value from labor provided to oneself be taxed? | I've heard of handyman type people making a living this way untaxed. They move into a fixer-upper, fix it up while living there, stay over two years and sell. They can pocket $125k/yr tax free this way assuming they produce that much value in their fixing-up. (Beware, though, that this will bite you in low social se... |
Do I have to pay the internet installation charges for my home's company internet? | It appears so. I suppose you could try saying that you don't want to pay for it and won't have Internet installed, but that could be detrimental to your career. There is no law that says your company has to pay for your Internet unless you have some kind of contract with them that says you will. If anything, your best ... |
Pay off credit cards in one lump sum, or spread over a few months? | I know you say you are aware of secured and unsecured debt and you've made your decision. Did you do the numbers? You will pay 44k over the life of the mortgage for that 24k (Based on 4.5% APR mortgage). Once you refinance your mortgage, do you plan on using credit for a while? Lots of Americans are hyperfocused on ... |
Personal finance web service with account syncing in Germany | I don't think there is a law against it. For example comdirect offers multi banking so you can access your accounts from other banks through the comdirect website. My guess would be: Germans are very conservative when it comes to their money (preferring cash above cards, using "safe" low interest saving accounts instea... |
How to determine how much to charge your business for rent (in your house)? | If you are talking about a home office, you don't "charge" the business anything. If the area is used exclusively as an office you pro-rate by square footage just the actual expenses. TurboTax recent published an article "Can I Take the Home Office Deduction?" which is a must read if you don't understand the process. ... |
Can I profit from anticipating a drop in value? | To expand on the comment made by @NateEldredge, you're looking to take a short position. A short position essentially functions as follows: Here's the rub: you have unlimited loss potential. Maybe you borrow a share and sell it at $10. Maybe in a month you still haven't closed the position and now the share is trad... |
Why trade futures if you have options | With options you pay for a premium which relates to the expected (so-called "implied" volatility). With futures, there is no assumption about the volatility of an underlying stock. In general, when trading options you trade the direction and future expected volatility of an underlying while futures are directional trad... |
Why is the fractional-reserve banking not a Ponzi scheme? | You are forgetting one crucial point regarding the money supply. The US Federal Reserve increases the money supply, meaning some of the money is not really loaned, it just appears out of nowhere. At first glance this seems even worse: over the short term, the Fed changes the money supply to help the economy in whatev... |
Is it wise to invest in a stock with a large Div yield? | IMO, what it seems like you've done is nothing more than having screened out a company worth further investigation. The next step would be a thorough analysis of the company's past financials and current statements to arrive at your own opinion / forecast of the immediate and far future of the company's prospects. Typ... |
Using Euros to buy and sell NASDAQ stocks | Either way you'll be converting to US Dollars somewhere along the line. You are seeking something that is very redundant |
My mother's name is on my car title, how can I protect my ownership of the car in the event of her death? | It's her car. Unlike what Ross said in the comments she can't sign it over to you--she doesn't own it yet. The best you'll be able to do is have her leave it to you in her will--but beware that you very well might need to refinance the loan at that point. |
Should I buy or lease a car given that its not a super luxury car and I only drive 15 miles/d on avg? | Leasing is not exactly a scam, but it doesn't seem to be the right product for you. The point of leasing over buying is that it turns the capital purchase of a car which needs to be depreciated for tax purposes into what is effectively a rental expense. Rent is an expense that can be deducted directly without depreci... |
Understanding the Nasdaq insider trading information | Insiders are prevented from buying or selling shares except at certain periods right after information is disclosed publicly. But. People have bills to pay and kids to put through college and whatnot. So an insider can set up a plan where shares are sold on a specific schedule and they have no control over number of sh... |
Do mutual fund companies deliberately “censor” their portfolios/funds? | If I invest in individual stocks I will, from time to time, sell stocks that aren't performing well. If the value of my portfolio has gone up by 10%, then the value of my portfolio has gone up by 10%, regardless of whether selling those stocks is labeled as "delete[ing] failures". Same thing for mutual funds: selling u... |
Should I open a Roth IRA or invest in the S&P 500? | Your question indicates confusion regarding what an Individual Retirement Account (whether Roth or Traditional) is vs. the S&P 500, which is nothing but a list of stocks. IOW, it's perfectly reasonable to open a Roth IRA, put your $3000 in it, and then use that money to buy a mutual fund or ETF which tracks the S&P 500... |
Is there a good rule of thumb for how much I should have set aside as emergency cash? | We aim to keep 6 months of expenses. The rationale is that its enough time to recover from most serious illnesses (that you can recover from) or a redundancy or pay for a large unexpected problem not covered by the insurance (e.g. the boiler dying). It also gives us enough time to reorganise finances if needed. For exa... |
Does keeping 'long-term' safety net in bonds make sense? | The answer to your question depends very much on your definition of "long-term". Because let's make something clear: an investment horizon of three to six months is not long term. And you need to consider the length of time from when an "emergency" develops until you will need to tap into the money. Emergencies almost ... |
How credible is Stansberry's video “End of America”? | If we postulate that there is at least some element of truth to the phrase 'A leopard does not change his spots' and then consider this tidbit He conveniently forgets to mention his 1.5 million dollar fraud fine from the SEC over investment “advice” he sold through a news letter. The SEC claimed and the judge agre... |
Tax on Stocks or ETF's | I think the answer you are looking for is: You are not taxed on the original basis (purchase cost) of your investment. If you pay $30 a share, and sell at $35, the $5 per share gain is taxable at time of sale. But the $30 basis cost doesn't enter into tax calculations at all. (So it's important to keep good records... |
Investing in income stocks for dividends - worth it? | After looking at your profile, I see your age...28. Still a baby. At your age, and given your profession, there really is no need to build investment income. You are still working and should be working for many years. If I was you, I'd be looking to do a few different things: Eliminating debt reduces risk, and also... |
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