Question stringlengths 14 166 | Answer stringlengths 3 17k |
|---|---|
I carelessly invested in a stock on a spike near the peak price. How can I salvage my investment? | Stocks go down and go back up, that's their nature... Why would you sell on a low point? Stocks are a long term investment. If the company is still healthy, it's very likely you'll be able to sell them with a profit if you wait long enough. |
How to manage household finances (income & expenses) [duplicate] | My wife and I have close to equal incomes, and are not young. What we have is this: Some people would classify our system as a bit draconian as we each have "allowance"; however, it makes sure spending does not get out of wack and we work together to meet our goals. |
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... |
Mutual fund value went down, shares went up, no action taken by me | You did something that you shouldn't have done; you bought a dividend. Most mutual fund companies have educational materials on their sites that recommend against making new investments in mutual funds in the last two months of the year because most mutual funds distribute their earnings (dividends, capital gains etc)... |
Where can I trade FX spot options, other than saxobank.com? | Oanda.com trades spot forex and something they call box options, it's not quite what you are looking for, but maybe worth looking up. |
What is the most common and profitable investment for a good retirement in Australia? | I don't look to Super or Pension, I am working on self funding. My method is work in Sydney and buy a house in Sydney (I bought 6 years ago). Let my property rise on this stupidly insane Sydney growth (my place has risen by 76% in the last 6 years and thats in a "bad" economic climate). Each time the equity hits a cert... |
How can I find if I can buy shares of a specific company? | Hmm... Well there are several ways to do that: Go to any bank (or at the very least major ones). They can assist you with buying and/or selling stocks/shares of any company on the financial market. They keep your shares safe at the bank and take care of them. The downside is that they will calculate fees for every sing... |
What U.S. banks offer two-factor authentication (such as password & token) for online banking? | Bank of America supports two-factor authentication using SMS messages, similar to PayPal. You can enable the feature from Online Banking under Customer Service -> SafePass Settings. Update: Over the weekend of July 28th, 2012, the SafePass control on the authentication page was updated to simple HTML + JavaScript inste... |
If stock price drops by the amount of dividend paid, what is the use of a dividend | Their is no arbitrage opportunity with "buying dividends." You're buying a taxable event. This is a largely misunderstood topic. The stock always drops by the amount if the dividend on the ex date. The stock opens that day trading "ex" (excluding) the dividend. It then pays out later based in the shareholders on record... |
Books, Videos, Tutorials to learn about different investment options in the financial domain | Those are some very broad questions and I don't think I can answer them completely, but I will add what I can. Barron's Finance and Investment Handbook is the best reference book I have found. It provides a basic description/definition for every type of investment available. It covers stocks, preferred stocks, various ... |
Why is auto insurance ridiculously overpriced for those who drive few miles? | Other people lie to the companies about how many miles they drive, so they can't take the mileage figures literally. You aren't specifying whether you want liability only, or more-comprehensive insurance. Stuff happens when you aren't driving. Cars get stolen. Other drivers hit parked cars and leave. Trees fall o... |
Company requires me to use my personal cell phone to work. Writeoff? | Not authoritative, but according to TurboTax: If your new cell phone acts as both your business and personal phone, you are only allowed to deduct the portion used for business from your taxable income. It’s important for you to hang on to your itemized phone bill and receipts to ensure that you’re deducting the right ... |
How is initial stock price (IPO) of a stock determined | Who determines company value at IPO? The Owners based on the advice from Lead Bankers and other Independent auditors who would determine the value of the company at the time of listing. At times instead of determining a fixed price a range is given [lower side and higher side]. The Market participants [FI / Institution... |
Efficient markets hypothesis and performance of IPO shares after lock-up period | That's the way the markets work in THEORY. In actual fact, markets are subject to "real world" pressures. That is, there are so many things going on in the market that the end of the "Lined In" lock up is just one of many. To produce the result you describe, traders would have to hold cash in reserve for this so-called... |
How does 83b election work when paying fair market value at time of grant? | 83(b) election requires you to pay the current taxes on the discount value. If the discount value is 0 - the taxes are also 0. Question arises - why would someone pay FMV for restricted stocks? That doesn't make sense. I would argue, as a devil's advocate, that the FMV is not really fair market value, since the restric... |
How much is inflation? | Nobel laureate economist, Paul Krugman, wrote a piece many moons ago about economic expansion and money supply. As an illustration of how money supply affects the economy, he used the example of a baby-sitting co-op. While simplistic, it provides an easy to grasp notion of how printing money and restricting it (e.g. ... |
How much of my capital should I spend on subscribing to a stock research company? | To complement farnsy's answer, I want to warn people against market prediction scams. If they give uniformly distributed buy/sell predictions to 256 people, one of them will get eight correct predictions in a row. They are trading a few cents of Amazon server time for 3% of your capital. |
Calculating Pre-Money Valuation for Startup | When the VC is asking what your Pre-Money Valuation is, he's asking what percentage of shares his $200,000 will buy. If you say your company is worth $800K, then after he puts the money in, it will be worth $1M, and he will own 20% of all shares – you'll still own the remainder. So when the VC is asking for a valuation... |
Investing tax (savings) | If you have a mortgage, making part of it a mortgage-backed overdraft (ANZ call theirs a Flexi loan) is worth looking at. I'm in a similar situation, consulting since 2010. I pay GST and provisional tax every six months. If I've budgeted right, the balance on the mortgage-backed overdraft loan goes to zero right before... |
Should I start investing in property with $10,000 deposit and $35,000 annual wage | I would strongly, strongly advise against it. Others here are answering the question of, having decided to invest in property, how one ought to ensure that one invests in the right property. What has not really been discussed here is the issue of diversification. There are a number of serious risks to property investme... |
How can you possibly lose on investments in stocks? | Some stocks do fall to zero. I don't have statistics handy, but I'd guess that a majority of all the companies ever started are now bankrupt and worth zero. Even if a company does not go bankrupt, there is no guarantee that it's value will increase forever, even in a general, overall sense. You might buy a stock when i... |
Multi-Account Budgeting Tools/Accounts/Services | I sort of do this with credit cards. I actually have 4 AMEX cards that I've accumulated over the years. Certain types of expenses go on each card ("General expenses", recurring bills, car-related and business-related) I use AMEX because they have pretty rich iPhone/Android applications to access your accounts and a ric... |
I'm 13. Can I buy supplies at a pet store without a parent/adult present? | Perhaps a technicality, but minors do not have the legal capacity to bind a contract. Making a purchase from a store is a contract. I'm not a lawyer and there may be case law to the contrary or that creates exceptions, but my understanding is that purchases made by a minor may be void if later challenged. JohnFx's answ... |
Why do consultants or contractors make more money than employees? | The benefits and taxes thing, in my opinion is the biggie. Most people don't realize that the cost to the company for a full-time employee with benefits can be 2x or even 3x the amount they see in their paycheck. Health plans are extremely expensive. Even if you are having money taken from your check for health insura... |
How exactly could we rank or value how “rich” a company brand is? | Matt explains the study numbers in his answer, but those are the valuation of the brand, not the value of the company or how "rich" the company is. Presuming that you're asking the value of the company, the usual way for a publicly traded company to be valued is by the market capitalization (1). Market capitalizatio... |
Net loss not distributed by mutual funds to their shareholders? | When you invest (say $1000) in (say 100 shares) of a mutual fund at $10 per share, and the price of the shares changes, you do not have a capital gain or loss, and you do not have to declare anything to the IRS or make any entry on any line on Form 1040 or tell anyone else about it either. You can brag about it at par... |
When (if) I should consider cashing in (selling) shares to realize capital gains? | In a perfect world of random stock returns (with a drift) there is no reason to "take profit" by exiting a position because there is no reason to think price appreciation will be followed by decline. In our imperfect world, there are many rules of thumb that occasionally work but if any one of them works consistently... |
Why is retirement planning so commonly recommended? | Another thing that "retirement" lets you do is do what you love without worrying about making enough money to live on by doing it. For example, volunteering your time or starting your own business. These are much easier to do when you don't have to worry about getting paid. Having a source of income provides a lot mo... |
Unmarried couple buying home, what are the options in our case? | Personally I would advise only buying what you can afford without borrowing money, even if it means living in a tent. Financially, that is the best move. If you are determined to borrow money to buy a house, the person with income should buy it as sole owner. Split ownership will create a nightmare if any problems deve... |
Why is Insider Trading Illegal? | A practical issue is that insider trading transfers wealth from most investors to the few insiders. If this were permitted, non-insiders would rarely make any money, and they'd stop investing. That would then defeat the purpose of the capital markets which is to attract capital. A moral issue is that managers and opera... |
Are there any benefits to investing with a group of friends vs. by myself? | The benefits of pooling your money with others: The drawbacks of pooling your money with others: Practically Speaking - I say go for it. You stand to gain a lot of knowledge about how money works without having too much on the line. Good luck! |
Stocks: do Good Till Cancelled orders get executed during after hours? | You typically need to specify that you want the GTC order to be working during the Extended hours session. I trade on TD Ameritrade's Thinkorswim platform, and you can select DAY, GTC, EXT or GTC_EXT. So in your case, you would select GTC_EXT. |
What gives non-dividend stocks value to purchasers? [duplicate] | A share of stock is a share of the underlying business. If one believes the underlying business will grow in value, then one would expect the stock price to increase commensurately. Participants in the stock market, in theory, assign value based on some combination of factors like capital assets, cash on hand, revenue,... |
Economics Books | The free Yale Course taught by Bob Shiller called Financial Markets is really good. Find it on youtube, iTunes U, academic earth, or yale's site. |
taxes, ordinary income, and adjusted cost basis for RSUs | What happened is that they do not track (and report) your original cost basis for 1099-B purposes. That is because it is an RSU. Instead, they just reported gross proceeds ($5200) and $0 for everything else. On your Schedule D you adjust the basis to the correct one, and as a comment you add that it was reported on W2 ... |
What should I do with the change in my change-jar? | Are you in an occupation that regularly collects change or is this change left in your pocket at the end of the day? Here in the US it is typically worth it to invest in some automatic coin counters if you are in an occupation that regularly collects coins. In your case you can collect the little baggies from the bank... |
What should I consider when selecting a broker/advisor to manage my IRA? | This is not a direct answer to your question, but you might want to consider whether you want to have a financial planner at all. Would a large mutual fund company or brokerage serve your needs better than a bank? You are still quite young and so have been contributing to IRAs for only a few years. Also, the wording in... |
What mix of credit lines and loans is optimal for my credit score? | I think you are interpreting their recommended numbers incorrectly. They are not suggesting that you get 13-21 credit cards, they are saying that your score could get 13-21 points higher based on having a large number of credit cards and loans. Unfortunately, the exact formula for calculating your credit score is not ... |
At what interest rate should debt be used as a tool? | I've been taking all the cheap fixed-rate debt banks would like to give me lately. What Rate? In practice I find the only way I get a low-enough rate on a longish-term fixed-rate loan is to use collateral. That is, auto loans and home loans. I haven't seen any personal loans with a low enough fixed rate. (Student loans... |
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. |
Is it possible to improve stock purchase with limit orders accounting for volatility? | The simplest solution to fire-and-forget is to pick something like a Target Date mutual fund made up of low-overhead index funds (within your 401k or a Roth IRA, perhaps) and set up automatic purchase to that. If you're talking about limit orders and so on, that ain't simple. |
Selling put and call Loss Scenario Examples | See how you can only make the premium amount but your risk is the same as holding the stock when writing a put option. |
Should we invest some of our savings to protect against inflation? | If I were in your shoes (I would be extremely happy), here's what I would do: Get on a detailed budget, if you aren't doing one already. (I read the comments and you seemed unsure about certain things.) Once you know where your money is going, you can do a much better job of saving it. Retirement Savings: Contribute u... |
Warren and it's investments [duplicate] | If I were in your shoes I would concentrate now on investing in yourself. Your greatest wealth building tool is your income. Going to school is great, make sure you can finish. Also is there additional coursework you can obtain that might help boost your salary? I would look for course in the following areas that m... |
Is there a standard check format in the USA? | No, there is no standard. I see all kinds of paper sizes, and the amount, date, etc. is all over the place. They are all rectangular, but otherwise there seems to be a lot of freedom. |
Is engaging in stocks without researching unwise? | If you don't want to do the deep research on each individual company, you might want to look at index funds and similar "whole market" investments. |
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 ... |
How do 'payday money' stores fund their 'buy now, pay later' loans? | Payday loan companies basically are banks (although they are incredibly terrible ones). Banks make money in two ways: (1) They charge fees for services they provide (bank account fees, etc.); and (2) The interest rate differential: They borrow money from individuals and corporations (your savings account is essentiall... |
I have a loan with a 6.5% interest rate. Should I divert money into my 401(k) instead of prepaying? | Having a loan also represents risk. IMHO you should retire the loan as soon as feasible in most cases. JoeTaxpayer, as usual, raises a good point. With numbers as he is quoting, it is tolerable to have a loan around on a asset such as a home. While he did not mention it, I am sure that his rate is fixed. If the in... |
What are the implications of a corporate stock repurchase or share buyback program? | A board authorizes the repurchase of shares because they feel the stock in undervalued. The hope is that the stocks will rise either directly by their repurchase, or in the near term due to the realization that the company is in better shape then the market thought. Eventually those shares will be resold back into the ... |
Is there a debit card that earns miles (1 mile per $1 spent) and doesn't have an annual fee? | I don't know of any that are comparable to credit cards. There's a reason for that. Debit cards, being newer, have a much lower interchange rate. Since collecting on debt is risky and less predictable, rewards / miles are paid from those interchange fees. This means with a debit card there's less money to pay you with.... |
Should I open a credit card when I turn 18 just to start a credit score? | I will disagree with the other answers. The idea that there is some to establish a "credit history" is largely a myth propagated by loaners who see it as positive propaganda to increase the numbers of their prospective customers. You will find some people who claim they were rejected for a card because they had no "cre... |
How much (paper) cash should I keep on hand for an emergency? | No cash is necessary for most people. In the modern day in the US there is no need to keep paper currency around for emergencies; any sort of emergency that knocked out all of the ability to use plastic (ATMs, credit cards, etc.) for an extended period of time AND knocked your bank out of service would be of the level... |
How to decide on limits when purchasing/selling stocks? | You said your strategy was to put it into a index fund. But then you asked about setting stock limits. I'm confused. Funds usually trade at their price at the end of the day, so you shouldn't try to time this at all. Just place your order. If you are buying ETFs, there is going to be so much volume on the market th... |
Can I prove having savings without giving out the account number? | Giving out your bank account number is not generally a security problem. The first time you write your landlord a security deposit or rent check, he'll have your account number. (It's printed on the check.) That having been said, in my experience, banks do not generally give out balance information to just anyone who... |
Alternatives to Intuit's PayTrust service for online bill viewing and bill payment? | Something you may want to consider if you are still choosing a bill-paying service is the contingency policies of the service. I just suffered an extended stay in a hospital and my officially (in writing) designated Power of Attorney was NOT granted access to my PAYTRUST account. Thus they could NOT take care of my ... |
What are the best software tools for personal finance? | For iPhone: iExpenseIt |
Will my Indian debit card work in the U.S.? | You can use the debit card for practically any purchase that you make. You'll have to take the usual precautions and then a few additional ones. Cards make your life really easy and convenient with some basic precautions. All the best for your travel and stay in the USA. My two cents. |
How to know which companies enter the stock market? | Thanks to the other answers, I now know what to google for. Frankfurt Stock Exchange: http://en.boerse-frankfurt.de/equities/newissues London Stock Exchange: http://www.londonstockexchange.com/statistics/new-issues-further-issues/new-issues-further-issues.htm |
Meanings of “price of the derivative” | @Tim - in this case, a futures contract isn't like an options contract. It's simply a method of entering into an agreement for delivery at a future date. While the speculators appear to have taken over, there are practical examples of use of the futures market. I am a gold miner and I see that my cost is $1200/oz giv... |
Is having a 'startup fund' a good idea? | Saving money for the future is a good thing. Whether spending those savings on a business venture makes sense, will depend on a few factors, including: (1) How much money you need that business to make [ie: will you be quitting your job and relying on the business for your sole income? Or will this just be a hobby you ... |
Which technical indicators are suitable for medium-term strategies? | Speaking from stock market point of view, superficially, TA is similarly applicable to day trading, short term, medium term and long term. You may use different indicators in FX compared to the stock market, but I would expect they are largely the same types of things - direction indicators, momentum indicators, spread... |
How would I go about selling the stock of a privately held company? | SecondMarket attempts to add liquidity to privately held companies. You may be able to find a buyer there, but this is still incredibly illiquid due to accredited investor regulations constricting businesses from catering to the 99%. As around 1% of the United States population qualifies as an accredited investor. |
Pros and Cons of Interest Only Loans | Pros: Cons: Before the housing bubble the conventional wisdom was to buy as much home as you could afford, thereby borrowing as much you can afford. Because variable rates lead to lower mortgages, they were preferred by many as you could buy more house. This of course lead to many people losing their home and many t... |
Why would someone buy a way out-of-the-money call option that's expiring soon? | I think the best answer that doesn't make the buyer look like a moron is this. Buyer had previously sold a covered call. They wanted to act on a different opportunity so they did a closing buy/write with a spread of a couple cents below asking for the stock, but it dipped a couple cents and the purchase of those optio... |
Buy US ETF as foreigner — a bad idea? | Here're some findings upon researches: Two main things to watch out for: Estate tax and the 30% tax withholding. These 2 could be get around by investing in Luxembourg or Ireland domiciled ETF. For instance there's no tax withholding on Ireland domiciled ETF dividend, and the estate tax is not as high. (source: BogleH... |
Understanding SEC Filings | The most important filings are: Form 10-K, which is the annual report required by the U.S. Securities and Exchange Commission (SEC) and Form 10-Q, for the interim quarters. |
Is an interest-only mortgage a bad idea? | If you took a fixed loan, but paid it off at the accelerated rate, you would ultimately pay less total dollars in interest. So compare the actual amount paid in interest over the course of the loan rather than the interest rate itself. That should be your answer. Also, plan on failing in your plan to pay it off and se... |
Wash sale rule with dividend reinvestment | I was not able to find any authority for the opinion you suggest. Wash sale rules should, IMHO, apply. According to the regulations, you attribute the newly purchased shares to the oldest sold shares for the purposes of the calculation of the disallowed loss and cost basis. (c) Where the amount of stock or securities a... |
What is the effect of a high dollar on the Canadian economy, investors, and consumers? | It depends primarily on how the Canadian economy is designed i.e export oriented or import oriented. If you look at this, it shows more or less equal amount of exports and imports. For the specific case of Canada, the exports would become costlier, because of a costlier dollar, but at the same time imports would become... |
Where should I invest to hedge against the stock market going down? | There are multiple ETFs which inversely track the common indices, though many of these are leveraged. For example, SDS tracks approximately -200% of the S&P 500. (Note: due to how these are structured, they are only suitable for very short term investments) You can also consider using Put options for the various indi... |
Are services provided to Google employees taxed as income or in any way? | In many countries, giving something free to the employee is considered a taxable income equivalent, and taxes have to be paid on it. As it cannot be assigned to specific employees, the company pays a flat tax on it, so it actually costs the company more. Also, not all employees value it equally, or consider it as a par... |
Importance of dividend yield when evaluating a stock? | Probably the most important thing in evaluating a dividend yield is to compare it to ITSELF (in the past). If the dividend yield is higher than it has been in the past, the stock may be cheap. If it is lower, the stock may be expensive. Just about every stock has a "normal" yield for itself. (It's zero for non-dividend... |
Any difference between buying a few shares of expensive stock or a bunch of cheap stock | I was thinking that the value of the stock is the value of the stock...the actual number of shares really doesn't matter, but I'm not sure. You're correct. Share price is meaningless. Google is $700 per share, Apple is $100 per share, that doesn't say anything about either company and/or whether or not one is a bett... |
Mortgage or not? | Better in terms of what? less taxes paid? or more money to save for retirement? In terms of retirement, it would be better for you to keep the condo you currently have for at least two reasons: You wouldn't incur the penalties and fees from buying and selling a home. Selling and buying a home comes with a multitude of ... |
Is it common in the US not to pay medical bills? | My answer might be out of date due to the Affordable Health Care law. I will answer for the way things were prior to that law taking effect. In my experience, hospitals have a financial assistance program you can apply for. If you can show a financial need, the hospital will only charge you a certain percentage of yo... |
What one bit of financial advice do you wish you could've given yourself five years ago? | I wish I would have known macro-economics taught by the Austrian School types at The Mises Institute. Their teachings would have compelled me to do the following: |
Does selling mixed-term stocks with a LIFO tax strategy make sense? | Your question is missing too much to be answered directly. Instead - here are some points to consider. Short term gains taxed at your marginal rates, whereas long term gains have preferable capital gains rates (up to 20% tax rate, instead of your marginal rate). So if you're selling at gain, you might want to consider ... |
What could happen to Detroit Municipal bonds because of Detroit's filing for bankruptcy? | Since the bondholders have voted to reject the emergency manager's plan, which would have paid them pennies on the dollar, the city is now attempting to discharge its short-term and long-term debt. If they get what they want in court, it is likely these bonds will become worthless. Even if they are only able to restruc... |
Is there a way I can get bid/ask price data on the NSE in real time? | Yes apply for live and dynamic data (you may have to pay for this depending on your broker and your country) and look at the market depth. |
Is inflation inapplicable in a comparison of paying off debt vs investing? | I'd agree, inflation affects the value of the dollar you measure anything in. So, it makes your debt fade away at the same rate it eats away at dollar denominated assets. I'd suggest that one should also look at the tax effect of the debt or assets as well. For example, my 3.5% mortgage costs me 2.625% after tax. But ... |
New car price was negotiated as a “cash deal”. Will the price change if I finance instead? | There is no rule that says the dealer has to honor that deal, nor is there any that says he/she won't. However, if you are thinking of financing through though the dealership they are likely to honor the deal. They PREFER you finance it. If you finance it through the dealer the salesman just got TWO sales (a car and a... |
Calculate investment's interest rate to break-even insurance cost [duplicate] | I wouldn't call it apples and oranges. This is literally an opportunity cost calculation. You can safely assume S&P500 will perform at least 11% over any 10 year period. Since failing companies are delisted and replaced with new growing companies, the market should continue to grow. No, it's not guaranteed. Lets u... |
Getting financial advice: Accountant vs. Investment Adviser vs. Internet/self-taught? | I think the OP is getting lost in designations. Sounds to me that what he wants is a 'financial advisor' not an 'investment advisor'. Does he even have investments? Does he want to be told which securities to buy? Or is he wanting advice on overall savings, insurance, tax-shelters, retirement planning, mortgages, ... |
Should I cancel an existing credit card so I can open another that has rewards? | Hits to your credit rating for canceling one of the newer cards will be a small hit for a few months. You do have some options. I also believe that a person with good credit should have multiple cards: I like having a cash back card for the majority of our transactions. Unfortunately that card isn't accepted everywhe... |
What is the tax levied against stock portion cashed out of 401k? | Withdrawals from a traditional 401(k) plan are always treated as cash income and the taxable portion is taxed at ordinary income tax rates, even if the money was held in stocks within the 401(k) plan and the amount withdrawn is equal to whatever capital gains you made by selling the stock within the 401(k) plan. If you... |
Add $5000 to existing retirement account | You cannot contribute directly to that 401k account if you no longer work at the sponsoring company - you have to be on their payroll. You can, however, roll the 401k over into an IRA, and contribute to the IRA. Note that in both cases, you are only allowed to contribute from earned income (which includes all the taxa... |
Alternative means of salary for my employees | You can't Your problem is that no one will value you new currency call it bytecoin. People will ask why is the bytecoin worth anything and you don't have an answer. You employees will have worthless currency and be effectively making under minimum wage. Its the same as if you printed Charles dollars with your face... |
Should I sell a 2nd home, or rent it out? | Another factor is, how far is your prospective rental property from where you live? vs. how comprehensive is your property management service? If you need to visit much or would simply like to keep an eye on it, a couple of hours drive could be a deal breaker. One more thought; would you be able to upgrade the propert... |
Is it worth it to reconcile my checking/savings accounts every month? | I quit diligently reconciling monthly statements some years before everything was online, when I realized that for years before that, every time I thought I found a mistake, it was always my own error. I was spending a fair amount of time (over the years) doing something that wasn't helping me. So I quit. That said, I ... |
Does freedom to provide services allow me contracting in Germany without paying taxes there (but in my home EU country)? | Also within Germany the tax offices usually determine which tax office is responsible for you by asking where you were more than 180 days of the year (if e.g. you have a second flat where you work). That's a default value, though: in my experience you can ask to be handled by another tax office. E.g. I hand my tax decl... |
What does inflation actually mean? [duplicate] | Inflation also provides incentives for consumers to purchase now rather than later (which helps drive sales) and it provides incentive for money to be invested and put back into businesses, rather than held as cash, because you need to earn at least a little interest on your money just to break even. |
What to know before purchasing Individual Bonds? | A few points that I would note: Call options - Could the bond be called away by the issuer? This is something to note as some bonds may end up not being as good as one thought because of this option that gets used. Tax considerations - Are you going for corporate, Treasury, or municipals? Different ones may have differ... |
What are the pros and cons of buying a house just to rent it out? | Lets consider what would happen if you invested $1500/mo plus $10k down in a property, or did the same in a low-cost index fund over the 30 year term that most mortgages take. The returns of either scenarios cannot be guaranteed, but there are long term analyses that shows the stock market can be expected to return ab... |
Why would a company like Apple be buying back its own shares? | A Breakdown of Stock Buy Backs has this bottom line on it: Are share buybacks good or bad? As is so often the case in finance, the question may not have a definitive answer. If a stock is undervalued and a buyback truly represents the best possible investment for a company, the buyback - and its effects - can be viewed... |
question about short selling stocks | The original owner of the shares can pledge their shares to be short, and they earn interest from lending their shares. The conditions of this arrangement are detailed in standard agreements all market participants sign with their broker, or clearinghouse, or with the exchange, or with the self regulatory agency. Stock... |
Where can I buy European-style options? | On the US markets, most index options are European style. Most stock and ETF options are, as you noted, American style. |
That “write your own mortgage” thing; how to learn about it | You are asking about a common, simple practice of holding the mortgage when selling a house you own outright. Typically called seller financing. Say I am 70 and wish to downsize. The money I sell my house for will likely be in the bank at today's awful rates. Now, a buyer likes my house, and has 20% down, but due to s... |
Is it possible to trade CFD without leverage? | You can but there is no point trading CFD's seeing you may still lose more than your investment due to slippage |
Paid cash for a car, but dealer wants to change price | As mhoran_psprep and others have already said, it sounds like the sale is concluded and your son has no obligation to return the car or pay a dime more. The only case in which your son should consider returning the car is if it works in his favor--for example, if he is able to secure a similar bargain on a different ca... |
Subsets and Splits
No community queries yet
The top public SQL queries from the community will appear here once available.