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Why have I never seen a stock split? | If you want to see one split, well, a reverse split anyway, keep an eye on TZA, FAZ, BGZ, and any Direxion fund. These funds decay continuously forever. Once they get close to $10-$15 or so, they reverse-split them back to the $30-$50 range and the process starts over. This happens about once a year. A few years ago... |
Investing in low cost index fund — does the timing matter? | If you're worried about investing all at once, you can deploy your starting chunk of cash gradually by investing a bit of it each month, quarter, etc. (dollar-cost averaging). The financial merits and demerits of this have been debated, but it is unlikely to lose you a lot of money, and if it has the psychological ben... |
What constitutes illegal insider trading? | You have to read some appeals court cases see scholar.google.com , as well as SEC enforcement actions on sec.gov to get an understanding of how the SEC operates. http://www.sec.gov/spotlight/insidertrading/cases.shtml There are court created guidelines for how insider trading would be proven There is no clear line, but... |
Beginner questions about stock market | 1st question: If I bought 1 percent share of company X, but unfortunately it closed down because of some reason as it was 1 million in debt. Since I had 1 percent of it shares, does it mean I also have to pay the 1 percent of it's debt? Stock holders are not liable for anything more than their current holdings. ... |
How much should a graduate student attempt to save? | First, don't save anything in a tax sheltered vehicle. You will be paying so little tax that there will be essentially no benefit to making the contributions, and you'll pay tax when they come out. Tax free compounding for 40 years is terrific, but start that after you're earning more than a stipend. Second, most peopl... |
Do governments support their own bonds when their value goes down? | Without getting to hung-up on terminology here, the management of a company will often attempt to keep stock prices high because of a number of reasons: Ideally companies keep prices up through performance. In some cases, you'll see companies do other things spending cash and/or issuing bonds to continue to pay divide... |
Should I re-allocate my portfolio now or let it balance out over time? | I would not sell unless the stock is starting to fall in price. If you are a long term investor you can review the weekly chart on a weekly basis to determine if the stock is still up-trending. Regarding HD below is a weekly chart for the last 4 years: Basically if the price is making Higher Highs (HH) and Higher Lows... |
Is there any way to buy a new car directly from Toyota without going through a dealership? | You already got good answers on why you can't buy a Toyota from the factory, but my answer is regarding to the implied second part of your question: how to avoid haggling. I found a good way to avoid the haggling at a car dealership can be simply to not haggle. Go in with a different attitude. The main reason car deale... |
What kinds of information do financial workers typically check on a daily basis? | I think it depends where you live in the world, but I guess the most common would be: Major Equity Indices I would say major currency exchange rate: And have a look at the Libors for USD and EUR. I guess the intent of the question is more to see how implicated you are in the daily market analysis, not really to see if ... |
Why do I get a much better price for options with a limit order than the ask price? | I can often get the option at [a] price [between bid and ask] The keyword you use here is quite relevant: often. More realistically, it's going to be sometimes. And that's just how supply and demand should work. The ask is where you know you can buy right away. If you don't wanna buy at ask, you can try and put a hige... |
How to use a stop and limit order together? | You need to use one of each, so a single order wouldn't cover this: The stop-loss order could be placed to handle triggering a sell market order if the stock trades at $95 or lower. If you want, you could use a stop-limit order if you have an exit price in mind should the stock price drop to $95 though that requires ... |
ISA trading account options for US citizens living in the UK | This sounds like a FATCA issue. I will attempt to explain, but please confirm with your own research, as I am not a FATCA expert. If a foreign institution has made a policy decision not to accept US customers because of the Foreign Financial Institution (FFI) obligations under FATCA, then that will of course exclude y... |
For very high-net worth individuals, does it make sense to not have insurance? | Simply put, it makes sense from the moment you can afford the loss without negative consequences. For example, if your car costs $20000 and you happen to have another $20000 laying around, you can choose not to insure your car against damage. In the worst case, you can simply buy a new one. However, not insuring your c... |
How to calculate cash loss over time? | While it is a true loss, as you've determined, is not a cash cost, per se. A cash cost would be a decrease in cash holdings. Inflation does not take your cash balance; it devalues it, so it is an accrued loss. Central banks are extremely lazy in determining inflation, so the highest resolution available at a public le... |
Is there a good rule of thumb for how much I should have set aside as emergency cash? | First you should maintain a monthly expense and find out the burn rate. There would be certain expenses that are annual but mandatory [School fees, Insurance Premium, Property Taxes, etc]. So the ideal emergency fund depending on your industry should be 3 month to 6 months plus your mandatory yearly payments, more so i... |
Are there capital gains taxes or dividend taxes if I invest in the U.S. stock market from outside of the country? | The country from which you purchase stock cannot charge you tax on either income or capital gains. Taxation is based on residency, so even when you purchase foreign stock its the tax laws of Malaysia (as your country of residence) that matter. At the time of writing, Malaysia does not levy any capital gains tax and the... |
Should I file a change of address with the IRS? | The most important thing to do when moving is to change your address with the post office. This will forward most mail for a year, and even automatically send change of address notices to many businesses that send mail to you. If you do this, and the IRS needs to send you something over the next year, you'll get it. T... |
Unusual real estate market with seemingly huge rental returns | You are suggesting that a 1% return per month is huge. There are those who suggest that one should assume (a rule of thumb here) that you should assume expenses of half the rent. 6% per year in this case. With a mortgage cost of 4.5% on a rental, you have a forecast profit of 1.5%/yr. that's $4500 on a $300K house. If ... |
Finding stocks following performance of certain investor, like BRK.B for Warren Buffet | Since nobody seems to have an answer here is the list I've came up so far: I'll keep adding to the list - also feel free to edit or comment if can add to the list. |
Do real nappies (reusable / cloth diapers) really save money? | I only used disposable diapers for my baby's first month. However, I now use half disposable diapers (for part-time daycare) and half cloth. My son is now 1 year and during a normal weekday, I go through 4 disposable diapers and 3-4 cloth diapers (this count includes a double thick cloth diaper for night). On the we... |
In general, is it financially better to buy or to rent a house? | Forget, for the moment, which will pay off most over the long term. Consider risk exposure. You've said that you (hypothetically) have "little or no money": that's the deal-breaker. From a risk-management perspective, your investment portfolio would be better off diversified than with 90% of your assets in a house. Con... |
Where are open-end funds traded? | I assume that mutual funds are being discussed here. As Bryce says, open-ended funds are bought from the mutual fund company and redeemed from the fund company. Except in very rare circumstances, they exist only as bits in the fund company's computers and not as share certificates (whether paper or electronic) that ... |
Need something more basic than a financial advisor or planner | What you are looking for is a Money Coach or a Personal Finance Coach. From mymoneycoach.com: "Money Coach: Everyone uses money, but few people fully understand how to use it wisely. To be debt free and enjoy a comfortable lifestyle takes special skills. Money coaches provide solutions for household budgeting, investin... |
Why do some online stores not ask for the 3-digit code on the back of my credit card? | As a general premise: In most of the online transactions in case of dispute the benefit of doubt is given to the customer. IE if the customer refuses to pay and claims that its not his transaction, the card company reverses the charges and does not pay the merchant (or recovers if its already paid). There are many ty... |
Do I only have to pay income tax on capital gains? | On the revenue only. This amount of 10$ will be considered as interest and fully taxable. It will not be a capital gain. But why would you decide to declare it as an income? 100$ is insignificant. If you lend small amount to friends it cannot be considered a lending business. |
What is the Blue Line in these stock Charts? | My guess is that both the blue and pinkish lines are hand drawn by someone. The blue line indicates 'higher lows' while the pinkish line represents 'higher highs'. Together they form a trading channel in which you can expect future prices to be (unless there is some unanticipated event that occurs). Edit: since the pr... |
Is an analyst's “price target” assumed to be for 12 months out? | If the time horizon is not indicated, this is just a "fair price". The price of the stock, which corresponds with the fair value of the whole company. The value, which the whole business is worth, taking into consideration its net income, current bonds yield, level of risk of the business, perspective of the business e... |
Will a credit card issuer cancel an account if it never incurs interest? | Technically, yes but, in practice, no. I use a card for everything and pay it off every month. Sometimes, several times a month depending on how the month is going. In the last 10 years, I've paid a total of $8 in interest because I legitimately forgot to pay my balance before the statement came out when I was out of ... |
I'm only spending roughly half of what I earn; should I spend more? | Goodness, I wish I could put away half my paycheck. Not to rain on your parade, but a 6-month emergency fund is not quite "very good." It is the typical starting time frame. Personally, I would feel more comfortable with a 2+ year fund. That is a bit extreme, but only because many of us can barely seem to make it ar... |
What are Vanguard's Admiral Shares? | Vanguard's Admiral shares are like regular ("investor") shares in their funds, only they charge lower expense ratios. They have higher investment minimums, though. (For instance, the Vanguard Total Stock Market Index Fund has a minimum of $3,000 and an expense ratio of .18% for the Investor Shares class, but a minimum ... |
Should you co-sign a personal loan for a friend/family member? Why/why not? | My thoughts on loaning money to friends or family are outlined pretty extensively here, but cosigning on a loan is a different matter. It is almost never a good idea to do this (I say "almost" only because I dislike absolutes). Here are the reasons why: Now, all that said, if my sister or parents were dying of cancer... |
US Banks offering Security Tokens in 2012 | Charles Schwab and HSBC offer security tokens. |
In the stock market, why is the “open” price value never the same as previous day's “close”? | Besides overnight news events and auction mechanisms there is a more fundamental reason the price of a stock is always moving. Theoretically the stock price will move slightly even in the unlikely scenario that absolutely nothing of interest happens during the entire night. Let me go into that in some more detail: St... |
What pension options are there for a 22 year old graduate in the UK? | Major things to consider: If you're expecting to look at the property market: it might prove to be sensible to start doing it now, since the market is just recovering, and (IMHO warning -I'm not a professional investor, just a random guy on the internet) prices still hasn't caught up with value fundamentals. check out... |
How can I help my friend change his saving habits? | In the end, this is really not a finance question. It's about changing one's habits. (One step removed, however, since you are helping a friend and not seeking advice for yourself). I've learned a simple cause & effect question - Does someone who wants (goal here) do (this current bad habit)? For example, someone with... |
Paying over the minimum mortgage payment | take a look at this graph here: http://mortgagevista.com/#m=1&a=40000&b=4&c=30y&B&oa&ob&oc&od It shows how much it costs to borrow $40k for 30 years. You did not post your mortgage rate or loan term, so I used 4% over 30 years (you can easily update this with your actual details). While this does not show the costs of ... |
what would you do with $100K saving? | 4) Beef up my emergency fund, make sure my 401(k) or IRA was fully funded, put the rest into investments. See many past answers. A house you are living in is not an investment. It is a purchase, just as rental is a purchase. Buying a house to rent out is starting a business. If you want to spend the ongoing time and ef... |
How to execute a large stock purchase, relative to the order book? | I am able to place an 'all or none' order with my broker. But doing so reduces the number of potential sources to fulfill the order. As others have mentioned, try a limit order to get a specific price. |
What do do with traditional IRA if I'm maxing out contributions to employer 401k and want to open a Roth | You have many options, and there is no one-size-fits-all recommendation. You can contribute to your IRA in addition to your 401(k), but because you have that 401(k), it is not tax-deductable. So there is little advantage in putting money in the IRA compared to saving it in a personal investment account, where you keep ... |
Savings account with fixed interest or not? | As observed above, 1.5% for 3 years is not attractive, and since due to the risk profile the stock market also needs to be excluded, there seems about 2 primary ways, viz: fixed income bonds and commodity(e,g, gold). However, since local bonds (gilt or corporate) are sensitive and follow the central bank interest rates... |
Full-time work + running small side business: Best business structure for taxes? | You should look into an LLC. Its a fairly simple process, and the income simply flows through to your individual return. It will allow you to deduct supplies and other expenses from that income. It should also protect you if someone sues you for doing shoddy work (even if the work was fine), although you would need ... |
Buying a house, Bank or rent to own? | With no numbers offered, it's not like we can tell you if it's a wise purchase. -- JoeTaxpayer We can, however, talk about the qualitative tradeoffs of renting vs owning. The major drawback which you won't hear enough about is risk. You will be putting a very large portion of your net worth in what is effectively a s... |
Risk of buying stock | I'd recommend investing in a mutual fund that diversifies your purchase across a number of stocks (and bonds, depending on the fund). Vanguard has some of the lowest fees around, and have a large number of funds to choose from. Take a look at their offerings for a data point if nothing else. |
Saving/ Investing a lump sum | In my mind, when looking at a five year period you have a number of options. You didn't specify where you are based, which admittedly makes it harder, to give you good advice. If you are looking for an investment that can achieve large gains, equities are impossible to ignore. By investing in an index fund or other div... |
How is yahoo finance P/E Ratio TTM calculated? | P/E is Price divided by Earnings Per Share (EPS). P/E TTM is Price divided by the actual EPS earned over the previous 12 months - hence "Trailing Twelve Month". In Forward P/E is the "E" is the average of analyst expectations for the next year in EPS. Now, as to what's being displayed. Yahoo shows EPS to be 1.34. 493.9... |
When I google a ticker like XLE or something, I see a price which updates frequently (about every second or so), where can I find this for options? | you can try CME DataSuite. Your broker gives you real time options quotes. If you do not have one you can open a scottrade account with just $500 deposit. When I moved my money from scottrade to ameritrade they did not close my account even till this day I can access my scottrade account and see real time quotes and th... |
Do market shares exhaust? | If the share is listed on a stock exchange that creates liquidity and orderly sales with specialist market makers, such as the NYSE, there will always be a counterparty to trade with, though they will let the price rise or fall to meet other open interest. On other exchanges, or in closely held or private equity scena... |
What are the financial advantages of living in Switzerland? | Some of the advantages of Switzerland: Not everything is about money. |
401K - shift from agressive investment to Money Market | I can understand your fears, and there is nothing wrong with taking action to protect yourself from them. How much income do you need in retirement? For arguments sake, lets say you need to pull 36K per year from your 401K or 3K per month. Lets also assume that you current contribute (with any match) 1,000 per month.... |
First time home buyer. How to negotiate price? | Well it all kind of depends. The Realtor is your pro, and you should communicate further with him. Is this a neighborhood on the decline? Is there a good reason to make such a low offer? Are you totally off base when you think 85K is fair, and if so why? Is he just working his tail off for you (a great thing)? On... |
Getting correlation from regression slope (Completely stumped) | Using the following equations from the book a stab at the correlation can be made. Calculating the residual volatilities from equation 2.4 The correlation of stock A with stock B is 0.378 and stock B has the higher residual volatility. However, the correlation is given as a "simple model", which may suggest that it i... |
Magazine subscription leads to unauthorized recurring payment | In 2010, the Restore Online Shoppers' Confidence Act was passed, which prohibited certain activities, most of which had to do with online sites sharing your CC info with third parties. However, the final part of the act deals with "negative option" marketing, which is basically what you're describing - "We will charge... |
Ethics and investment | Avoiding tobacco, etc is fairly standard for a fund claiming ethical investing, though it varies. The hard one on your list is loans. You might want to check out Islamic mutual funds. Charging interest is against Sharia law. For example: http://www.saturna.com/amana/index.shtml From their about page: Our Funds favor ... |
What is the cheapest way to move money from the United States to Canada? [duplicate] | If you aren't familiar with Norbert's Gambit, it's worth looking at. This is a mechanism using a Canadian brokerage account to simultaneously execute one stock trade in CAD and one in USD. The link I provided claims that it only starts potentially making sense somewhere in the 10,000+ range. |
Has anyone compared an in-person Tax Advisor to software like Turbo Tax? | Unfortunately, if your taxes are too complicated for the 1040EZ form, then your tax situation is effectively unique and you need to try both options and see for yourself which one is better. If you do your taxes yourself, you may be more likely to do a more thorough job in digging everything up. You might even find th... |
Pay Yourself With Credit Card Make Money With Cash Back [duplicate] | This is basically a form of credit card kiting, it's not necessarily illegal but it can be. It is, however, against the TOS in pretty much every merchant agreement (including Paypal and Square), so you'd most likely have your account suspended, and the merchant could pursue legal action if they felt they could prove in... |
Would it be considered appropriate to use a market order for my very first stock trade? | If you want to make sure you pay at or below a specific price per share, use a limit order. If you want to buy the stock close to the current price, but aren't price sensitive, use a market order. Market orders are typically not a great idea because if you're buying thousands or tens of thousands of shares this can mea... |
Is it better to miss the dividend and buy the undervalued stock? | I guess the answer lies in your tax jurisdiction (different countries tax capital gains and income differently) and your particular tax situation. If the price of the stock goes up or down between when you buy and sell then this counts for tax purposes as a capital gain or loss. If you receive a dividend then this coun... |
Is it a good idea to get an unsecured loan to pay off a credit card that won't lower a high rate? | Go where your money is treated best. If you can lower your APR, great. It should help a little bit with getting a mortgage if you can reduce your payment. Your debt-to-income ratio would go down. |
The life cycle of money | I'll answer but avoiding discussion of M1, M2 etc, too pedantic. I don't believe you are asking about the lifetime of either coins or paper money. I think you are referencing the fractional reserve system, and how a good portion of the total money supply is created by the banks lending out their deposits in effect 'cre... |
How do third-party banks issue car loans? | I have had it two way now: I got pre-approval from my credit union which just so happened to be one of the bigger vehicle lenders in the metro area. What I found out was that the dealership (which was one of the bigger ones in the metro area) had a computer system that looked up my deal with the credit union. Basicall... |
Index fund that tracks gold and other commodities | Barclays offers an iPath ETN (not quite an ETF), DJP, which tracks the total return of the Dow Jones-AIG Commodity Index. |
Sanity check on choosing the term for a mortgage refinance | If the best they can do is 1/8th of a percent for a 15 year term, you are best served by taking the 30 year term. Pay it down sooner if you can, but it's nice to have the flexibility if you have a month where things are tight. |
Can I make my savings keep in check with or beat inflation over a long time period via index funds? | See the following information: http://www.bogleheads.org/wiki/Treasury_Inflation_Protected_Security You can buy individual bonds or you can purchase many of them together as a mutual fund or ETF. These bonds are designed to keep pace with inflation. Buying individual inflation-protected US government bonds is about as... |
How to get rid of someone else's debt collector? | Sue the debt collectors in small claims court. There are several example stories around the internet, but this is a well written one from the consumerist. If your phone is a cell phone: "it is against the law for a company to leave a pre-recorded message on your cell phone." In fact, the call frequency increased ... |
What extra information might be obtained from the next highest bids in an order book? | The Level 2 data is simply showing the depth of the market. If I am trading shares with my broker I have the option of viewing only the top 10 bid/ask prices in the depth or all of the data (which sometimes can be a very long list). With another broker I get the top ten bid and ask prices and how many orders are availa... |
Selling mutual fund and buying equivalent ETF: Can I 1031 exchange? | You cannot do a 1031 exchange with stocks, bonds, mutual funds, or ETFs. There really isn't much difference between an ETF and its equivalent index mutual fund. Both will have minimal capital gains distributions. I would not recommend selling an index mutual fund and taking a short-term capital gain just to buy the eq... |
Canadian accepting money electronically from Americans | I am not aware of a version of Interac available in the U.S., but there are alternative ways to receive money: Cheque. The problem with mailed cheques is that they take time to deliver, and time to clear. If you ship your wares before the cheque has cleared and the cheque is bad, you're out the merchandise. COD. How th... |
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... |
How hard for US customers make payments to non-resident freelancer by wire transfer? | I would look for an alternative wire transfer service that will charge less. I use ofx, but note that they don't do transfers to roubles. The rate adjusts by amount being transferred and there is a $15 fee for under $5000. Upside is it is bank-to-bank. 2 days tops. |
When I calculate “internal rate of return (IRR)”, should I include cash balance? | Both are correct depending on what you are really trying to evaluate. If you only want to understand how that particular investment you were taking money in and out of did by itself than you would ignore the cash. You might use this if you were thinking of replacing that particular investment with another but keeping ... |
How does a dividend announcement affect a option straddle position | When dividend is announced the stock and option price may react to that news, but the actual payout of the dividend on the ex-dividend date is what you probably are referring to. The dividend payout affects the stock price on the ex-dividend date as the stock price will drop by the amount of paid out dividend (not taki... |
Helping girlfriend accelerate credit score improvement | This is an all too common problem and is not easy to resolve. Divorce agreements do not alter prior mortgage contracts. Most importantly, the bank is not required, and will not normally, remove the girlfriend from the mortgage even if she quitclaimed it to her Ex. If he has abandoned the property there is a good chance... |
Can I transfer money from a personal pension to a SIPP, while leaving the original pension open? | Just to aid your searching, note that what your employer has provided you with access to is a Group Personal Pension . Now, as to the question of whether partial transfers from a GPP to a SIPP are possible - the answer would appear to be Probably Yes; however you should contact the pension administrator at your employe... |
What is an “International Equity”? | International equity are considered shares of companies, which are headquartered outside the United States, for instance Research in Motion (Canada), BMW (Germany), UBS (Switzerland). Some investors argue that adding international equities to a portfolio can reduce its risk due to regional diversification. |
I have an extra 1000€ per month, what should I do with it? | What about getting the saving account - "Bausparen" (~100EUR/month) which you can later use for credit to get better mortgage deal and to buy a flat for renting to others (Anlegerwohnung)? |
Book or web site resources for an absolute beginner to learn about stocks and investing? | If you just want to save for retirement, start with a financial planning book, like this one: http://www.amazon.com/Smart-Simple-Financial-Strategies-People/dp/0743269942 and here's my editorial on the investing part: http://blog.ometer.com/2010/11/10/take-risks-in-life-for-savings-choose-a-balanced-fund/ If you're thi... |
Dry cleaners lost $160 pants, what should I do? | Dude, it's your lucky day! You just won the lottery!! Do like this guy and sue them for $67 million :-) Pearson v. Chung, better known as the "pants lawsuit",1 is a civil case filed in 2005 by Roy L. Pearson, Jr., an administrative law judge in the District of Columbia in the United States, following a dispute w... |
Where I can find the exact time when a certain company's stock will be available in the secondary market? | Twitter is planning to go public on NYSE. You'll be able to start trading once the stock is listed for trading, which would be the day of the IPO. Note that since you're trading on the secondary market, you won't be able to buy at the IPO prices, whatever the time is. You're buying from someone who bought at IPO price... |
How should I value personal use television for donation? | The usual lazy recommendation: See what similar objects, in similar condition, of similar age, have sold for recently on eBay. That establishes a fair market value by directly polling the market. |
Why might a share price have not changed for several days? | It is because 17th was Friday, 18th-19th were weekends and 20th was a holiday on the Toronto Stock Exchange (Family Day). Just to confirm you could have picked up another stock trading on TMX and observed the price movements. |
Rent or buy with 0 down | Whether or not you choose to buy is a complicated question. I will answer as "what you should consider/think about" as I don't think "What should I do" is on topic. First off, renting tends to look expensive compared to mortgages until you factor in the other costs that are included in your rent. Property taxes. Thes... |
Why does the calculation for percentage profit vary based on whether a position is short vs. long? | There are different perspectives from which to calculate the gain, but the way I think it should be done is with respect to the risk you've assumed in the original position, which the simplistic calculation doesn't factor in. There's a good explanation about calculating the return from a short sale at Investopedia. He... |
Deductible expenses paid with credit card: In which tax year would they fall? | I'm assuming you're operating on the cash basis of accounting, based on your comment "Cash, I think that's the only way for a sole propriator (sic)" Consider: There are two distinct but similar-name concepts here: "paid for" (in relation to a expense) and "paid off" (in relation to a debt). These both occur in the cas... |
How to keep control of shared expenses inside marriage? | Being new does not allow me yet to vote on your question, but what a good question it is. We share our opinion in separating finances in our very well going mariage. Currently I have found a sort of okay solution in two websites. These are http://www.yunoo.nl and http://www.moneytrackin.com/. You can actually tag spend... |
W-4 and withholding taxes for self-employed spouse | With your income so high, your marginal tax rate should be pretty easy to determine. You are very likely in the 33% tax bracket (married filing jointly income range of $231,450 to $413,350), so your wife's additional income will effectively be taxed at 33% plus 15% for self-employment taxes. Rounding to 50% means you ... |
Are lottery tickets ever a wise investment provided the jackpot is large enough? | Possibly, if you can get them at a discount. But not if you have to pay full price. Say there's a $1 million Jackpot for $1 tickets. The seller might sell 1.25 million of these tickets, to raise $1.25 million pay a winner $1 million, and keep $250,000. In this example, the so-called "expected value" of your $1 ticket ... |
How can I check my credit score? | Since no one else answered this part of your question yet: Checking your own credit score or report will not affect it in any way. It only hurts you when someone looks it up to run a credit check at your request for the purpose of possibly getting a loan, for example a car dealership. This only hurts it a tiny bit, a... |
How will a limit order be executed when the stock market opens if there is a large change from the price of the day before? | The next day the market opens trading at 10.50, You haven't specified whether you limit order for $10.10 is to buy or sell. When the trading opens next day, it follows the same process of matching the orders. So if you have put a limit order to buy at $10.10 and there is no sell order at that price, your trade will not... |
What are some time tested passive income streams? | Any kind of savings account is a passive income stream. |
Given a certain yearly savings, how much can I spend on a capital improvement? NPV of future cash flow | The question states :- Our insurance company is offering a 30% discount on an $8200/year commercial policy, if we install sprinklers. The insurance is paid in two installments. ... This appears to mean six-monthly payments, so I'll make some comparison calculations using six-monthly loan repayments to keep things s... |
Need exit strategy for aging mother who owns aging rental properties, please | I debated whether to put this in an answer or a comment, because I'm not sure that this can be answered usefully without a lot more information, which actually would then probably make it a candidate for closing as "too localized". At the very least we would need to know where (which jurisdiction) she is located in. So... |
How do I notify the IRS of a new member to an LLC? | You don't need to notify the IRS of new members, the IRS doesn't care (at this stage). What you do need, if you have a EIN for a single-member LLC, is to request a new EIN since your LLC is now a partnership (a different entity, from IRS perspective). From now on, you'll need to file form 1065 with the IRS in case of b... |
Diagnostic Questions to Determine if Renter intends to pay | Firstly, how far behind on rent are they? Have you sent them notices in writing about late rent, and if so how many have you had to send? How often do they say they are going to do things (like pay overdue rent) and they never do? To tell you the truth IMHO, if they are starting to be regularly late in rent payments an... |
When does a low PE ratio not indicate a good stock? | Some companies have a steady, reliable, stream of earnings. In that case, a low P/E ratio is likely to indicate a good stock. Other companies have a "feast or famine" pattern, great earnings one year, no earnings or losses the following year. In that case, it is misleading to use a P/E ratio for a good year, when earni... |
How does the Dow Jones Industrial Average (DJIA) divisor change to account for dividends? | The methodology for divisor changes is based on splits and composition changes. Dividends are ignored by the index. Side note - this is why, in my opinion, that any discussion of the Dow's change over a long term becomes meaningless. Ignoring even a 2% per year dividend has a significant impact over many decades. The ... |
Huge return on investment, I feel like im doing the math wrong | Your math is correct. These kind of returns are possible in the capital markets. (By the way, Google Finance shows something completely different for $CANV than my trading console in ThinkorSwim, ToS shows a high of $201, but I believe there may have been some reverse splits that are not accurately reflected in either ... |
Economics Books | I followed Economics by Michael Parkin for my college level course. It does not involve very complicated mathematics (beyond simple arithmetic and interpreting plots/charts). I found it very enjoyable. Stocks, bonds, and other money market instruments are not covered under this subject usually. They are covered under ... |
How should one structure a portfolio given the possibility that a Total Stock Market Index might decline and not recover for a long time? | Common financial advice is just that - it is common and general in nature and not specific for your financial needs, your goals and your risk tolerance. Regarding the possibility of a US market not going anywhere over a long period of time, well it is not a possibility, it has happened. See chart below: It took 13 yea... |
What are the alternatives to compound interest for a Muslim? | Invest in growth stocks which do not pay any dividends (Note that some part of the dividends issued by a corporation might be from interest received by the company and passed on to you as a dividend); Buy a house from a bank that practices Islamic Banking. See this question which you yourself answered a few weeks ago t... |
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