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How to read bond yield quotes? What do the time, coupon, price, yield, and time mean? | The first thing that it is important to note here is that the examples you have given are not individual bond prices. This is what is called the "generic" bond price data, in effect a idealised bond with the indicated maturity period. You can see individual bond prices on the UK Debt Management Office website. The me... |
Where are Bogleheadian World ETFs or Index funds? | Half VTI (Vanguard Total Stock Market ETF) and half VEU (Vanguard FTSE All-World ex-US ETF), and stop futzing. The US is roughly half the world market cap so this is like a total world equity index. Very low costs. VTI Expense ratio is 0.04% as of 04/27/2017. I don't know what you mean by RSG, but it could be either ... |
Why is it not a requirement for companies to pay dividends? | Cash flow is needed for expansion, either to increase manufacturing capacity or to expand the workforce. Other times companies use it to purchase other companies. Microsoft and Google have both used their cash or stocks to purchase companies. Examples by Google include YouTube, Keyhole (Google Earth), and now part of M... |
What should I do with my $10K windfall, given these options? | As much as I'd like to tell you to save some for an emergency fund or use it to pay off some debt, if you really need a new roof you should get that taken care of first. |
Buying & Selling Call Options | You're correct. If you have no option position at execution then you carry no risk. Your risk is only based on the net number of options you're holding at execution. This is handled by your broker or clearinghouse. Pretend that you wrote 1000 options, (you're short the call) then you bought 1000 of the same option (bou... |
Tax consequences of changing state residency? | I did the reverse several years ago, moving from NH to MA. You will need to file Form 1-NR/PY for 2017, reporting MA income as a part-year residence. I assume you will need to report the April capital gain on your MA tax return, as you incurred the gain while a MA resident. (I am not a lawyer or tax professional, so I ... |
What is a decent rate of return for investing in the markets? | If someone is guaranteeing X%, then clearly you can borrow money for less than X% (otherwise his claim wouldn't be remotely impressive). So why not do that if his 4% is guaranteed? :) Anyway, my answer would be that beating the market as a whole is a "decent" rate of return. I've always used the S&P 500 as a benchmar... |
What determines deal price on stock exchange? [duplicate] | Stock prices are set by bidding. In principle, a seller will say, "I want $80." If he can't find anyone willing to buy at that price, he'll either decide not to sell after all, or he'll lower his price. Likewise, a buyer will say, "I'll pay $70." If he can't find anyone willing to pay that price, he'll either decide no... |
Investing in the stock market during periods of high inflation | The answer would depend on the equities held. Some can weather inflation better than others (such as companies that have solid dividend growth) and even outpace inflation. Some industries are also safer against inflation than others, such as consumer staples and utilities since people usually have to purchase these reg... |
Why should one only contribute up to the employer's match in a 401(k)? | I'd hazard that Jim is mostly worried that people are getting ripped off by high employer 401(k) fund fees. A lot of employers offer funds with fees over 1% a year. This sounds low-ish if you don't realize that the real (inflation-adjusted) return for the fund will probably average out to about 4%, so it's really somet... |
What effect does a company's earnings have on the price of its stock? | A common (and important) measure of a stock's value is the price/earnings ratio, so an increase in earnings will normally cause the stock price to increase. However, the price of the stock is based on a guess of the value of the company some time (6 months?) in the future. So an increase in earnings today probably make... |
How to help a financially self destructive person? | You can't help people that don't want help, period. It just doesn't work, and you will waste your time and energy while making the other person mad. Both sides end up in the same place they started except now they are frustrated with each other. In a normal situation I would advise to stop enabling her by giving her mo... |
Incorporating real-world parameters into simulated(paper) trading | I think you're on the wrong track. Getting more and more samples from the real world does not make your backtest more accurate, it just confirms that your strategy can withstand one particular sample path of a stochastic process. The reason why you find it simple to incorporate fees, commissions, taxes, etc. is becaus... |
Can a company have a credit rating better than that of the country where it is located? | BlackJack's answer is technically correct: government credit ratings are independent of corporate credit ratings. The rating should reflect the borrower's ability to repay its obligations. One reason the book you read may have stated that corporate credit ratings cannot be better than the government's credit rating is... |
Taxes on transactions of services | It's called bartering and the IRS has a page titled Four Things to Know About Bartering. The summary is - The bottom line is this is taxable. |
Is this Employee Stock Purchase Plan worth it when adding my student loan into the equation? | It's 5% free money, if you believe the company's stock is fairly valued and likely to grow and/or return reasonable dividends until you're ready to sell it. There's usually a minimum holding period of a few months to a year before these discounted shares can be sold; take that into account |
In the UK, could low-income pensioners (or those near a low-income retirement) find a student loan useful for boosting their finances? | As noted in richardb's comment buried in the comments/debate on the other answer (and all credit for this answer should be due to him): a significant issue with the scheme as originally envisaged in the question (up to £11K pa) is that there is actually a cap on the maintenance part for over 60s: On page 28 of this "St... |
Why does it take two weeks (from ex-date) for dividends to pay out? | So from Investopedia - Who actually declares a dividend states that the Board of Directors of a company sets the 4 key dates: As these dates are chosen by the Board of Directors, either by internal corporate convention or special situation. Conceivably a Board may choose a Payable Date greater than 2 weeks which may ma... |
Will capital gains affect my tax bracket? | I think you're misunderstanding how tax brackets work. If you make $1 more and that bumps you into a higher bracket, only THAT particular dollar will be taxed at the higher tax bracket rate... Not your entire income. Short term capital gains are treated as income. Long term capital gains have a special tax rate curre... |
Figuring out if I receive US income? | I believe the answer is no, since your income from royalties and app sales would fall under FDAP income. (another conformation of this would be the fact that Apple and Google requested a W8-BEN form from you and not a W8-ECI form) Generally, All income EXCEPT FDAP income (fixed or determinable annual or periodical inco... |
Can't the account information on my checks be easily used for fraud? | The bottom line is to keep most of your money in accounts with no check privileges and to not give the account numbers for these accounts to anyone. Keep just enough in your checking account for the checks you are going to write. |
Net Cash Flows from Selling the Bond and Investing | Investopedia has a good explanation of the term shorting which is what this is. In the simplest of terms, someone is borrowing the bond and selling it with the intent to replace the security and any dividends or coupons in the end. The idea is that if a bond is overvalued, one may be able to buy it back later for a che... |
Does an individual share of a stock have some kind of unique identifier? | Nope, think what a nightmare that would be, a bunch of shares would be issued and then sold to tonnes of people, who might sell various partial numbers of them to others, who might buy them and others from 20 others all as part of one order though multiple fills... It would be nuts, and if one were to issue a certifica... |
Any experience with maxing out 401(k)? | On #1: One way to make it less painful is to "split" your raises between yourself and your 401k. That is, if you get a 2% raise, increase your contribution to the 401K by 1% and keep the other 1%. Keep doing this until you are maxed out. You won't miss money you never had nearly as much as money you were used to living... |
New York State - NY Tax on Foreign Sourced Income for NY Non-Resident | For Non-Resident filers, New York taxes New York-sourced income. That includes: real or tangible personal property located in New York State (including certain gains or losses from the sale or exchange of an interest in an entity that owns real property in New York State); services performed in New York State; a bu... |
Can somebody explain “leveraged debt investment positions” and “exposures” in this context for me, please? | Exposure is the amount of money that you are at risk of losing on a given position (i.e. on a UST 10 year bond), portfolio of positions, strategy (selling covered calls for example), or counterparty, usually represented as a percentage of your total assets. Interbank exposure is the exposure of banks to other banks eit... |
File Taxes: US Expat, now married to foreign national | Per the IRS instructions on filing as Head of Household as a Citizen Living Abroad, if you choose to file only your own taxes, and you qualify for Head of Household without them, the IRS does not consider you married: If you are a U.S. citizen married to a nonresident alien you may qualify to use the head of household ... |
Which Benjamin Graham book should I read first: Security Analysis or Intelligent Investor? | First The Intelligent Investor and then the 1962 edition Security Analysis - which is out of print, you can get it on Amazon.com used or ebay. Then you can read the edition backward but the 1962 edition is the best - IMHO. And don't forget The Rediscovered Benjamin Graham and Benjamin Graham on Value Investing by Jane... |
Why is property investment good if properties de-valuate over time? | nan |
How can my friend send $3K to me without using Paypal? | Not to overkill the theres a few more I can think of right now |
How are stock buybacks not considered insider trading? | In most countries there are specific guidelines on buy backs. It is never a case where by one fine morning company would buy its shares and sell it whenever it wants. In general company has to pass a board resolution, sometimes it also requires it to be approved by share holders. It has to notify the exchange weeks in ... |
Is buying a home a good idea? | Once you paid it off, you don't pay rent anymore. That is the major advantage. Also, you can do any change you want to it. Many people consider it an investment - if you ever sell it, it could be worth more than what you paid (although this is not for sure) |
How do I buy bundled insurance policies? | You have 3 companies now that you work with. I would start there. Ask one of them to show you what would happen if you bought the other two policies from them. This may not be something that they will show via the quotes generated on the web page. So you would be better off talking to a person who can generate a quote... |
When should I walk away from my mortgage? | Many good answers here, especially that you have to consider that renting may be more expensive than you'd think. Also, keep in mind that rent is money that is completely lost. Even if the property has dropped in value, if you keep paying, you will be able to recuperate part of your mortgage payments when you sell the ... |
How does the process of “assignment” work for in-the-money Options? | First, it depends on your broker. Full service firms will tear you a new one, discount brokers may charge ~nothing. You'll have to check with your broker on assignment fees. Theoretically, this is the case of the opposite of my answer in this question: Are underlying assets supposed to be sold/bought immediately afte... |
Why don't some places require a credit card receipt signature, and some do? | Merchants apply in advance for the program, and the amount is limited to less than $25. |
How do wire transfers get settled? | Wire transfers normally run through either the Fedwire system or the Clearing House Interbank Payments System (CHIPS). The process generally works like this: You approach a bank or other financial institution and ask to transfer money. You give the bank a certain code, either an international bank account number or one... |
I have about 20 000 usd. How can invest them to do good in the world? | There isn't going to be one right answer, but LessWrong has some posts on effective altruism you might find helpful. They also link to a TED talk |
Investment strategy for a 20 year old with about 30k in bank account | You don't state a long term goal for your finances in your message, but I'm going to assume you want to retire early, and retire well. :-) any other ideas I'm missing out on? A fairly common way to reach financial independence is to build one or more passive income streams. The money returned by stock investing (capit... |
Is it smarter to buy a small amount of an ETF every 2 or 3 months, instead of monthly? | I personally invest in 4 different ETFs. I have $1000 to invest every month. To save on transaction costs, I invest that sum in only one ETF each month, the one that is most underweight at the time. For example, I invest in XIC (30%), VTI (30%), VEA (30%), and VWO (10%). One month, I'll buy XIC, next month VTA, next... |
Why is tax loss harvesting helpful for passive investing? | I wrote a detailed article on Tax Loss Harvesting to show the impact on returns. For my example, I showed a person in the 15% bracket. In years with no loss, they trade to capture gains at 0% long term rate, thus bumping their basis up. In years with losses, they tax harvest for a 15% effective 'rebate' on that loss. ... |
Wardrobe: To Update or Not? How-to without breaking the bank | Sounds more of a question for the fine people at StyleForum.net but i would suggest to start looking carefully at the quality of the fabrics: once you start studying the subject you will quickly recognize a solid shirt from a cheap one. That'll help you save money in the long term. Also keeping it simple (by choosing c... |
Advantage of Financial Times vs. free news sources for improving own knowledge of finance? | I recommend using Morning Brew. They email you a free daily newsletter with the top financial news stories and earnings events. I have subscribed to the Wall Street Journal and Financial Times before. Morning Brew basically covers all of the headlines you would see on those sites. |
What's a good free checking account? | Capital One 360. No minimums balance, no fees. Everything's online. Make deposits using an app or an image of the check. ATMs are free almost everywhere. |
How to invest in a specific market without investing in a specific company? | You need to hope that a fund exists targeting the particular market segment you are interested in. For example, searching for "cloud computing ETF" throws up one result. You'd then need to read all the details of how it invests to figure out if that really matches up with what you want - there'll always be various trad... |
What to do with your savings in Japan | As an alternative to investing you'll find at least some banks eg. Rakuten that will give you preferential interest rates(still 0.1% though) just for opening a free brokering account. As this is still your individual savings account your money is as safe as it was before opening your account. I certainly wouldn't buy t... |
Pay bill now or later? | Another, perhaps simpler approach to the same result as @BenMiller. Firstly, if you can pay off the debt today, for 1695.70 cash, then that is the amount of your debt to the hospital. There is no such thing as a discount for cash; just extra money to pay if don't pay immediately. This extra money is called interest, ... |
Paying Off Principal of Home vs. Investing In Mutual Fund | Naturally the advice from JoeTaxpayer and dsimcha is correct, every situation is different. I will get reckless, go nuts and make a recommendation! You are young, childless for the time being. Do the following with your money: ALTERNATE IDEA for #6 Fix yourself up for the long term first, then have a bit of fun, then... |
Why do card processing companies discourage “cash advance” activities | Square does not care if you run a $10 transaction to test the system. They are concerned with its use to move meaningful amounts of money. The only people who do this will be the Dunning-Kruger gang, who only think they are clever. Because of course Square will hunt them down, sue, garnish and/or prosecute them! B... |
How do you measure the value of gold? | 1) Get some gold. 2) Walk around, yelling, "Hey, I have some gold, who wants to buy it?" 3) Once you have enough interested parties, hold an auction and see who will give you the most dollars for it. 4) Trade the gold for that many dollars. 5) You have just measured the value of your gold. |
What taxes are assessed on distributions of an inherited IRA? | All transactions within an IRA are irrelevant as far as the taxation of the distributions from the IRA are concerned. You can only take cash from an IRA, and a (cash) distribution from a Traditional IRA is taxable as ordinary income (same as interest from a bank, say) without the advantage of any of the special tax ra... |
How frequently should I request additional credit? | I do this all the time, my credit rating over time plotted on a graph looks like saw blades going upward on a slope I use a credit alert service to get my credit reports quarterly, and I know when the credit agencies update their files (every three months), so I never have a high balance at those particular times Basic... |
If I have some old gold jewellery, is it worth it to sell it for its melt value? | Avoid gold brokers who do business through the mail. Video Full Article |
What are the pitfalls of loaning money to friends or family? Is there a right way to do it? | I recently lent some money to my sister. While I generally agree with Phillip that lending to family and friends should be avoided, I felt I needed to make an exception. She really needed the cash, and my husband and I agreed that we would be ok without it. Here are some guidelines I used that may be helpful to othe... |
Retirement planning: Pension or personal saving/investing? | You can never depend ONLY on pension. You must get financial education and invest your money. I recommend you to read The Intelligent Investor by Benjamin Graham...it's the bible of Warren Buffet. Besides, you don't need to be a Billionaire for retiring and be happy. I recommend you to get education in ETFs. I quote Th... |
Emulating a 'long straddle' without buying or selling Options? | A long straddle using equity would be more akin to buying a triple leveraged ETF and an inverse triple leveraged ETF, only because one side will approach zero while the other can theoretically increase to infinity, in a short time span before time decay hits in. The reason your analogy fails is because the delta is 1.0... |
How to understand expenses matter relative to investment type for mutual funds? | The net return reported to you (as a percentage) by a mutual fund is the gross return minus the expense ratio. So, if the gross return is X% and the expense ratio is Y%, your account will show a return of (X-Y)%. Be aware that X could be negative too. So, with Y = 1, If X = 10 (as you might get from a stock fund if y... |
Should Emergency Funds be Used for Infrequent, but Likely, Expenses? | The concept of emergency fund is a matter of opinion. I can tell you the consensus is that one should have 6-9 months worth of expenses kept as liquid cash. This is meant to cover literally all bills that you might encounter during that time. That's a lot of money. There are levels of savings that are shy of this but ... |
Offshore bank account with online International wire-transfer facility for Indians | India does allow Resident Indians to open USD accounts. Most leading National and Private Banks offer this. You can receive funds and send funds subject to some norms. |
Why does a ETN that is supposed to track Crude Oil like UWTI show constant decline every year? And am I an idiot for investing in it? | This security looks like it will require patience for it to pay off. The 200 day moving average looks as if it will soon cross over the 20 day moving average. When that happens the security can be said to be in a bull run. http://stockcharts.com/h-sc/ui?s=UWTI&p=D&yr=1&mn=6&dy=0&id=p10888728027 However, this is just s... |
Does Reuters provide the 4pm London Spot rate for currencies? | The interpretation is correct. The Reuters may give you the London 4PM rates if you query after the close for the day. The close rate is treated as the rate. http://uk.reuters.com/business/currencies/quote?srcAmt=1&srcCurr=GBP&destAmt=&destCurr=USD The London 4PM rate may be obtained from Bank of England at the link b... |
How can you correlate a company stock's performance with overall market performance? | How can you correlate a company stock's performance with overall market performance. No you can't. There is no simple magic formulae that will result in profits. There are quite a few statistical algorithms that specialists have built, that work most of the times. But they are incorrect most of the times as well. |
How to get started with savings, paying off debt, and retirement? | The word you are looking for is "budget" You can't pay off debt if you are spending more than you earn. Therefore, start a budget that you both work on at the same time, and both agree 100% with. Evaluate your progress on that budget on a regular basis. From your question, you understand what your obligations are and... |
How to get started with the stock market? [duplicate] | You can try paper trading to sharpen your investing skills(identifying stocks to invest, how much money to allocate and stuff) but nothing compares to getting beaten black and blue in the real world. When virtual money is involved you mayn't care, because you don't loose anything, but when your hard earned money disapp... |
Why do stores and manufacturers use mail in rebates? A scam, or is there a way to use them effectively? | Chiming in with other answers that incriminate market segmentation attempts, I would like to offer this Seth Godin video where (among other things) he speaks about breakage, the art of making coupon redemption so difficult that most people get it wrong and do not redeem them. Oh, and when comparing/deciding which/wheth... |
Why can't I short a stock that sells for less than $5? Is there another way to “go short” on them? | Timothy Sykes specializes in this type of trade, according to his website. He has some recommendations for brokers that allow shorting low-priced stocks: |
Can two companies own stock in each other? | Yes, this can and does certainly happen. When two companies each own stock in each other, it's called a cross holding. I learned about cross holdings in reference to Japanese companies (see Wikipedia - Keiretsu) but the phenomenon is certainly not exclusive to that jurisdiction. Here are a few additional references: |
Website for managing personal cash inflow and outflow, applicable to India? | http://www.mint.com attaches to all your accounts and lists all your transactions. I love it. |
What's the best application, software or tool that can be used to track time? | There are tonnes, and tonnes of things out there, but you have to be careful what you search for. Be specific about what you want. If you search for "time sheet" for example, you'll just get a bucket of stuff having to do with stylesheets, because there's more of that around. The most common type of small tool for tr... |
Is it unreasonable to double your investment year over year? | Yes, it is unreasonable and unsustainable. We all want returns in excess of 15% but even the best and richest investors do not sustain those kinds of returns. You should not invest more than a fraction of your net worth in individual stocks in any case. You should diversify using index funds or ETFs. |
Do capital gains get factored into AGI? | I believe that capital gains do affect AGI, but if she sells $40k of stock, then the AGI doesn't go up by $40k, it only goes up by the gains (gross proceeds of the sale minus cost basis). So if she paid $30k for that stock, then the AGI goes up by $10k not $40k. |
Is it possible to make money by getting a mortgage? | The likely reason the mortgage is "tricky to get" is the adviser is probably recommending an interest-only mortgage in which there is no repayment of principle before maturity. That would allow you to deduct the amount of the interest expense from your taxable income. Your investment grows compound tax deferred and t... |
What is the effect of a cancelled stock order on a stock and the market? | That article, like almost any article written by a non-expert and quoting only "research" from lobbying groups, hugely misses the point. The vast majority of orders that end up being cancelled are cancelled as a standard part of exchanges' official market-maker programs. Each exchange wants you and me to know that it h... |
Dollar-cost averaging: How often should one use it? What criteria to use when choosing stocks to apply it to? | Dollar cost averaging can be done in a retirement plan, and can be done for individual stock purchases, as this will increase your returns by reducing your risk, especially if you are buying a particular stock for the first time. How many time have I purchased a stock, bottom fishing, thinking I was buying at the low... |
What is the best way to make a bet that a certain stock will go up in the medium term? | Specific stock advice isn't permitted on these boards. I'm discussing the process of a call spread with the Apple Jan 13 calls as an example. In effect, you have $10 to 'bet.' Each bet you'd construct offers a different return (odds). For example, If you bought the $750 call at $37.25, you'd need to look to find what ... |
Should I pay off my credit card online immediately or wait for the bill? | Theoretically there is always a time value of money. You'll need to keep your cash in a Money Market Fund to realize its potential (I'm not saying MMFs are the best investment strategy, they are the best kind of account for liquid cash). Choose an accounts that's flexible with regard to its minimum required so you can... |
In a reverse split, what happens to odd lots? | Usually five shares and some cash. |
How do exchanges match limit orders? | The total limit book is a composite of all the orders on all of the exchanges. While it's uncommon for a limit order posted beyond the NBBO to fill outside of the NBBO, it does occur. For example, the best ask may be on exchange X, but for some reason the smart order routing algorithm may select exchange Y if it judges... |
Received an unexpected cashiers check for over $2K from another state - is this some scam? | This is so very much a scam. The accepted answer already tells you the basics of it. In addition to the cheque being fake, there is also the possibility that the cheque is a legitimate cheque but has been stolen (or swindled off) from somebody else. In that case, the delay with which the cashing of the cheque will b... |
What is the meaning of “Closed Short” ,“Opened Long” ,“Scaled Out” and “Scaled In”? | Opened Long - is when you open a long position. Long means that you buy to open the position, so you are trying to profit as the price rises. So if you were closing a long position you would sell it. Closed Short - is when you close out a short position. Short means that you sell to open and buy back to close. With a s... |
How can I find stocks with very active options chains? | Agree with some of the posts above - Barchart is a good source for finding unusual options activity and also open interest -https://www.barchart.com/options/open-interest-change |
Rules for Broker Behavior with Covered Calls | Number 2 cannot occur. You can buy the call back and sell the stock, but the broker won't force that #2 choice. To trade options, you must have a margin account. No matter how high the stock goes, once "in the money" the option isn't going to rise faster, so your margin % is not an issue. And your example is a bit tro... |
Home (re)Finance and Providing Additional Information | I have never had a lender ask my budget, only my income, savings, credit rating and value of the collateral. That's considered adequate info to estimate risk for most ordinary loans. Yes, they may want the income proven by evidence from your employer or via a copy of your tax returns. They don't care what you buy as lo... |
What implications does having the highest household debt to disposable income ratio have on Australia? | I'd like to see a credible source for "the highest", but it's certainly fairly high. Household debt could be broadly categorized as debt for housing and debt for consumption. Housing prices seem very high compared to equivalent rental income. This is generating a great deal of debt. Keynes(?) said that "if something ... |
How to pay with cash when car shopping? | I have in the last few years purchased several used cars from dealers. They have handled it two different ways. They accepted a small check ~$1,000 now, and then gave me three business days to bring the rest as a cashiers check. They also insisted that I submit a application for credit, in case I needed a loan. They a... |
Sell Stock using Limit | if I put a limit sell at $22.00 now, will it not sell until it's at $22.00 and I will continue to keep the stock? Basically yes. But note that brokers generally don't allow such limit orders to persist indefinitely. The default may even be that they're only valid until the end of the day, and usually the maximum validi... |
Is candlestick charting an effective trading tool in timing the markets? | Candlesticks and TA are a relic of pre-computer trading, period. Market makers use sophisticated algorithms not for trading, but manipulations. |
Profiting off $0.01 changes in real life? | You can certainly try to do this, but it's risky and very expensive. Consider a simplified example. You buy 1000 shares of ABC at $1.00 each, with the intention of selling them all when the price reaches $1.01. Rinse and repeat, right? You might think the example above will net you a tidy $10 profit. But you have to fa... |
Understanding the T + 3 settlement days rule | The key word you forgot to include from Slide 29 is: Free-Riding Investopedia defines free-riding as: In the context of a brokerage firm, a free rider problem refers to a situation where a client has been allowed to purchase shares without actually paying for them, and then subsequently sells the shares (ideally for pr... |
Why is the breakdown of a loan repayment into principal and interest of any importance? | It's important because it shows that the amount you owe does not decrease linearly with each payment, and you gain equity as a correspondingly slower rate at the beginning of the loan and faster at the end. This has to be figured in when considering refinancing, or when you sell the place and pay off the mortgage. It a... |
Is a credit card deposit a normal part of the vehicle purchase process | Unfortunately, it's not unusual enough. If you're looking for a popular car and the dealer wants to make sure they aren't holding onto inventory without a guarantee for sale, then it's a not completely unreasonable request. You'll want to make sure that the deposit is on credit card, not cash or check, so you can dis... |
What happened in Argentina in 2001 bank sector? did the banks closed? all or some? | One place you might consider looking for answers is in case studies from Harvard Business School. When I was working an MBA, we studied the default of Argentina as part of our economics coursework. Other sources for your consideration might include: |
Is it possible to borrow money to accrue interest, and then use that interest to pay back the borrower + fees? | Your plan as proposed will not work, because it goes against how banks make money. Banks make money in two ways: (1) Fees [including account fees, investment advice fees, mortgage application fees, etc.]; and (2) Interest Rate Spread. They borrow money for x%, and they lend it out for x+y%. In a simple form, someone g... |
Buying a mortgaged house | If someone owns a house that is not paid off...can someone buy it by taking another mortgage? Yes, but I'm not sure why you think the buyer would need to take another mortgage to buy it. If someone sells their home for X dollars, then the buyer needs X dollars to buy the house. How they get that money (use cash, take o... |
How and Should I Invest (As a college 18 year old with minimal living expenses)? | You have great intentions, and a great future. As far as investing goes, you're a bit early. Unless your parents or other benefactor is going to pay every dime of your expenses, you'll have costs you need to address. $1000 is the start of a nice emergency fund, but not yet enough to consider investing for the long term... |
Is it wise to invest small amounts of money short-term? | You can expect about a 7% return when investing in the general market if your horizon is ten years or more. The market fluctuates, which means that you should be absolutely fine with losing 10% or more of your invested money during this period. You say yourself that: I have been setting aside money (...) into a savings... |
End of financial year: closing transactions | I'm not sure there's a good reason to do a "closing the books" ceremony for personal finance accounting. (And you're not only wanting to do that, but have a fiscal year that's different from the calendar year? Yikes!) My understanding is that usually this process is done for businesses to be able to account for what th... |
Figuring out an ideal balance to carry on credit cards [duplicate] | I think this advice to carry a balance each month is nonsense. You're just wasting money that way. Personally, I have always paid off my credit cards every month for as long as I can remember, and my credit score is only 8 points below the max. The bigger factors by far are: It might be good advice to charge a small... |
Common Stock Options Value | Par value SHOULD mean that they are offering you the options with a strike price (exercise price) that is equivalent to the current valuation of the company. Note I said SHOULD. As long as you can confirm with HR (or if you're small enough, just ask the CEO) that your grant price is the same as the current valuation o... |
Single investment across multiple accounts… good, bad, indifferent? | The main restrictions you see with IRA's involve contributions, and not the actual investments themselves. I would be indifferent to having a single investment across multiple accounts. It might be a bit trickier to manage, especially if your strategy involves some specific asset allocation. Other than account manageme... |
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