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What is the buy-hold-sell indication based on? | It is simply an average of what each analyst covering that stock are recommending, and since they usually only recommend Hold or Buy (rarely Sell), the value will float between Hold and Buy. Not very useful IMHO. |
What's the best way to make money from a market correction? | If you are sure you are right, you should sell stock short. Then, after the market drop occurs, close out your position and buy stock, selling it once the stock has risen to the level you expect. Be warned, though. Short selling has a lot of risk. If you are wrong, you could quite easily lose all $80,000 or even substa... |
How can home buying be considered a sound investment with all of that interest that needs to be paid? | I'm going to start with your title question: How can home buying be considered a sound investment with all of that interest that needs to be paid? If taken literally, this is a loaded question because if you pay cash for a home, you don't pay any interest. Furthermore, if your interest rate is 3% for 10 years you won't... |
How do you determine “excess cash” for Enterprise Value calculations from a balance sheet? | Excess Cash = Cash & Equivalents + Long-Term Investments - Current Liabilities The problem this calculation of excess cash is that "long-term investments" can be illiquid things like real estate. Another flaw is that it gives no credit for Current Assets, like receivables, which can be used to offset Current Liabilitie... |
How are stock buybacks not considered insider trading? | Another way to look at this is that pure insider trading is an activity with the aim to use secret information to make personal profit or let others make personal profit at the expense of the company shareholders or investors. In buybacks, it is not company managers to get personal gain in this would-be "insider tradin... |
Can I force him to pay? | Its best to seek a lawyer, but it is unlikely you can force him to pay. You probably know couples, that are in some part of the divorce process, that have trouble obtaining court ordered payments. In your case you have less of a legal standing (exception: if you have children together). As far as the house goes, the... |
Why can't you just have someone invest for you and split the profits (and losses) with him? | A 'indexed guaranteed income certificate' (Market Growth GIC) fits the criteria defined in the OP. The "guaranteed" part of the name means that, if the market falls, your capital is guaranteed (they cover the loss and return all your capital to you); and the "index linked" or "market growth" means that instead of the R... |
Are there any Social Responsibility Index funds or ETFs? | Look at the Calvert Funds. They have a variety of "socially responsible" funds with published selection standards. Beware of mixing personal politics with business. |
What are the pros and cons of buying an item on installments with zero percent interest? | One small advantage to paying ahead is having an outstanding installment plan may preclude unlocking the phone for use on other carriers, for example during international travel. If unlocking is important, researching the particulars would be in order. I am more familiar with T-Mobile, and will use as a specific exampl... |
Is it bad practice to invest in stocks that fluctuate by single points throughout the day? | The strategy has intrinsic value, which may or may not be obstructed in practice by details mentioned in other answers (tax and other overheads, regulation, risk). John Bensin says that as a general principle, if a simple technical analysis is good then someone will have implemented it before you. That's fair, but we c... |
How smart is it to really be 100% debt free? | This is a "stress" period, much like the 1930s and 1970s. At a time like this, it is smart to be debt free, and to have money saved for the likely emergencies. There are growth periods like those of the 1980s and 1990s, probably returning in the 2020s and 2030s. At such times, it makes sense to play it a little "looser... |
How to manage household finances (income & expenses) [duplicate] | Obviously, there are many approaches. I’ll describe what we do and why we think it is successful. I have seen many couples having disagreements and even divorce over money; it seems that this is a typical reason to fight and sometimes fight badly. The realization is that different people have different preferences what... |
I earn $75K, have $30K in savings, no debt, rent from my parents who are losing their home. Should I buy a home now or save? | For the vast majority, "buying" a house via a mortgage is not an investment. I use quotes around buying because from a technical perspective you don't own anything until you've paid it off; this is often an important point that people forget. It's highly unlikely you'll make more on it than the amount you put into it ... |
Help me understand Forex in Interactive Brokers | You're confusing open positions and account balance. Your position in GBP is 1000, that's what you've bought. You then used some of it to buy something else, but to the broker you still have an open position of 1000 GBP. They will only close it when you give them the 1000GBP back. What you do with it until then is none... |
How do currency markets work? What factors are behind why currencies go up or down? | Q: How do currency markets work? A: The FX (foreign exchange) market works very much like the stock market where potential buying parties bid $Y of country 1's currency to buy $1 in country 2's currency. Potential selling parties sell (ask) $1 of country 2's currency for $Y of country 1's currency. Like the stock mar... |
How does an index rearrange its major holdings | An index will drop a company for several reasons: A fund decides how close they want to mirror the index. Some do so exactly, others only approximate the index. |
What would be a wise way to invest savings for a newly married couple? | I agree with @Pete that you may be well-advised to pay off your loans first and go from there. Even though you may not be "required" to make payments on your own loan based on your income, that debt will play a large factor in your borrowing ability until it is gone, which hinders your ability to move toward home owne... |
More money towards down payment versus long-term investments | One thing that's often overlooked is that cash reserves are also a long-term investment. Anything can be a long-term investment if it's expected to appreciate or pay interest/dividends. So it's not either/or. Stocks are but one way to do long-term investments. Having said that, taking on less debt for a consumer goo... |
How Should I Start my Finance Life and Invest? | nan |
How can I have credit cards without having a credit history or credit score? | That is an opinion. I don't think so. Here are some differences: If you use credit responsibly and take the time to make sure the reporting agencies are being accurate, a good report can benefit you. So that isn't like a criminal record. What is also important to know is that in the United States, a credit report is... |
When trading put options, is your total risk decreased if you are in a position to exercise the option? | In absolute terms the risk is about the same. If you own the stock and your put option goes in the money, then you have the option to get rid of your stock at yesterday's higher price. If you don't, you can sell the option for a higher price than you paid for it. But, as you calculated yourself, the net gain or loss ... |
Why would anyone want to pay off their debts in a way other than “highest interest” first? | I wouldn't advocate it, but one reason to pay a lower interest rate is if you have $990 on a $1000 limit credit card with 6% interest and $5000 on a $15k limit card at 10% interest. Having $500 to pay in a month and putting it on the lower interest would free up a greater percentage of credit on that card and could pot... |
Can I invest in gold through Vanguard (Or another instrument that should perform well in financial crisis)? | The difficulty with investing in mining and gold company stocks is that they are subject to the same market forces as any other stocks, although they may whether those forces better in a crisis than other stocks do because they are related to gold, which has always been a "flight to safety" move for investors. Some inv... |
What expenses do most people not prepare for that turn into “emergencies” but are not covered by an Emergency Fund? | Annual property tax and home insurance come to mind as things that are easily forgotten, but surely the biggest true, "I didn't see that coming," is a major car repair. There are a number of things that can go wrong with a car with little warning and end up costing a thousand dollars or more. Since most people are dep... |
Car dealer saying that they cannot see any credit information for my co-applicant. Could this be a scam? | You say Also I have been the only one with an income in our household for last 15 years, so for most of our marriage any debts have been in my name. She has a credit card (opened in 1999) that she has not used for years and she is also a secondary card holder on an American Express card and a MasterCard that are both ... |
Does a stay at home mom need term life insurance? | Another source of insurance can be through the working spouses employment. Some companies do provide free or low cost coverage for spouses without a need for a physical exam. The risk is that it might not be available at the amount you want, and that if the main spouse switches companies it might not be available with ... |
Is it ever a good idea to close credit cards? | Yes, it can be a good idea to close unused credit cards. I am going to give some reasons why it can be a good idea to close unused accounts, and then I will talk about why it is NOT necessarily a bad idea. Why it can be a good idea to close unused accounts "I'd like to close the cards." That is reason enough. Simpl... |
Why doesn't change in accounts receivable on balance sheet match cash flow statement? | I'm not an expert, but here is my best hypothesis. On Microsoft's (and most other company's) cash flow statements, they use the so-called "indirect method" of accounting for cash flow from operations. How that works, is they start with net income at the top, and then adjust it with line items for the various non-cash a... |
Is the stock market too risky for long term retirement funds? Why should a 20- or 30-something person invest in stocks? | Look. Here's a graph of the S&P 500. It's up 1200% since the start of the 70's, our late recession notwithstanding. You're not going to get that kind of return on bonds or commodities or savings accounts. (Maybe real estate stands a chance, if your real estate wasn't in, say, Detroit. It's not as easy to diversify real... |
How do I use investments to lower my taxes [US]? | Probably the biggest tax-deferment available to US workers is through employee-sponsored investment plans like the 401k. If you meet the income limits, you could also use a Traditional IRA if you do not have a 401k at work. But keep in mind that you are really just deferring taxes here. The US Government will eventu... |
What is the PEG ratio? How is the PEG ratio calculated? How is the PEG ratio useful for stock investing? | PEG is Price/Earnings to Growth. It is calculated as Price/Earnings/Annual EPS Growth. It represents how good a stock is to buy, factoring in growth of earnings, which P/E does not. Obviously when PEG is lower, a stock is more undervalued, which means that it is a better buy, and more likely to go up. Additional Ref... |
What is a normal amount of money to spend per week on food/entertainment/clothing? | I'll start with a question... Is the 63K before or after taxes? The short answer to your question on how much is reasonable is: "It depends." It depends on a lot more than where you live, it depends on what you want... do you want to pay down debt? Do you want to save? Are you trying to buy a house? Those will influen... |
What assets would be valuable in a post-apocalyptic scenario? | Gold and silver are for after the crisis, not during. Gold and silver are far more likely to be able to be exchanged for things you need, since they are rare, easily divided, etc. Getting land away from where the crap is happening is also good, but it's more than that. Say you have land somewhere. How will the local... |
Is there any chance for a layperson to gain from stock exchange? [duplicate] | No. As long as you are sensible, an average person can make money on the stock market. A number of my investments (in Investment trusts) over the last 10 yeas have achieved over 200%. You're not going to turn $1000 into a million but you can beat cash. I suggest reading the intelligent investor by Graham - he was War... |
When I ask a broker to buy stock, what does the broker do? | My answer isn't a full one, but that's because I think the answer depends on, at minimum, the country your broker is in, the type of order you place (limit, market, algo, etc.,) and the size of your order. For example, I can tell from watching live rates on regular lot limit orders I place with my UK-based broker that ... |
Low risk hybrid investment strategy | I recall similar strategies when (in the US) interest rates were quite a bit higher than now. The investment company put 75% or so into into a 5 year guaranteed bond, the rest was placed in stock index options. In effect, one had a guaranteed return (less inflation, of course) of principal, and a chance for some market... |
How do I get into investing? | Don't do it until you have educated yourself enough to know what you are doing. I hope you won't take this personally, but given that you are wandering around asking random strangers on the Internet how to "get into investing," I feel safe in concluding that you are by no means a sophisticated enough investor to be cho... |
Micro-investing: How to effectively invest frequent small amounts of money in equities? | In terms of building the initial investment using some kind of mutual fund, I'd suggest you see my answer to this similar question https://money.stackexchange.com/questions/9943/cheapest-or-free-online-broker-for-beginner For buying individual stocks later, you could look at sharebuilder, or a low cost broker, however ... |
What will be the capital gains tax after we sell a rental home? | This will be a complex issue and you will need to sit down with a professional to work through the issues: When the house was put up for rent the initial year tax forms should have required that the value of the house/property be calculated. This number was then used for depreciation of the house. This was made more co... |
Is there any way to pay online in a country with no international banking system | According to Paypal, they support transactions in Ethiopia: https://www.paypal.com/webapps/mpp/country-worldwide https://developer.paypal.com/docs/classic/api/country_codes/ However those appear to be limited to transferring money out of the country. (link) There is an article here (link) which talks about how to tra... |
Investing: P/E Ratio basic question | While on the surface it might not make sense to pay more than one dollar to get just one dollar back, the key thing is that a good company's earnings are recurring each year. So, you wouldn't just be paying for the $1 dollar of earnings per share this year, but for the entire future stream of earnings per share, every ... |
Valuing a company and comparing to share price | There are books on the subject of valuing stocks. P/E ratio has nothing directly to do with the value of a company. It may be an indication that the stock is undervalued or overvalued, but does not indicate the value itself. The direct value of company is what it would fetch if it was liquidated. For example, if you bo... |
How do you measure the value of gold? | I can describe the method for determining a price floor, which may help. It starts with looking at the cost of mining. There's a ridiculously small amount of gold in the best ore, so it's measured in tonnes of ore to produce a given ounce of gold. Mines will only operate at a loss for so long, so for any mine which foc... |
How does historical data get adjusted for dividends, exactly? | If you download the historical data from Yahoo, you will see two different close prices. The one labeled 'Close' is simply the price that was quoted on that particular day. The one labeled 'Adj Close' is the close price that has been adjusted for any splits and dividends that have occurred after that date. For example... |
Can an ETF, open at a price other than what the pre-market was at? | If I understand you correctly, you are noticing that a stock's price can change drastically when the time changes from pre-market trading hours to open market hours. This could occur because a much smaller pool of investors make trades during pre-market and after-market hours. When the regular market opens there is a l... |
Why would a company care about the price of its own shares in the stock market? | Why do companies exist? Well, the corporate charter describes why the company exists. Usually the purpose is to enrich the shareholders. The owners of a company want to make money, in other words. There are a number of ways that a shareholder can make money off a stock: As such, maintaining the stock price and dividend... |
Virtual Terminal WITHOUT merchant account? | You would need to setup a company (even if it's just a sole proprietorship, in the US) to be able to apply for a true merchant account. And thus have a terminal; either real or virtual in your home or business. However, many services such as paypal allow you to accept credit cards (both online and with a card reader) ... |
I'm thinking of getting a new car … why shouldn't I LEASE one? | Also consider how cars fare under your ownership: Does your current car... If any of the answers to these questions are "Yes", you're probably going to get hosed with fees when you return the car. |
Can I claim GST/HST Input Tax Credits (ITCs) on Uber, taxi, or limousine fares? | The Canada Revenue Agency describes in detail here what information businesses must generally include on their invoices so that GST/HST registrants can claim Input Tax Credits (ITCs) for the expenses. Quote: Sales invoices for GST/HST registrants You have to give customers who are GST/HST registrants specific informa... |
Wash sale rules between tax advantaged and regular accounts | From the IRS Section 1091. Loss from Wash Sales of Stock or Securities Section 1091(a) provides that in the case of any loss claimed to have been sustained from any sale or other disposition of shares of stock or securities where it appears that, within a period beginning 30 days before the date of such sale or dispos... |
How much of a down payment for a car should I save before purchasing it? | I've run into two lines of thinking on cars when the 0% option is offered. One is that you should buy the car with cash - always. Car debt is not usually considered "good debt," as there is no doubt but that your car will depreciate. Unless something very odd happens or you keep the car to antique status (and it's a... |
Transferring money between two banks | Why? Because they can get away with it, of course. In short - why not? You may want to read the answers to this similar question (my answer is the one accepted by the OP). Who has the money? The banks, who else. I have found that some banks are capable of sending/receiving ACH transfers faster than others. I have accou... |
Is there anything I can do to prepare myself for the tax consequences of selling investments to buy a house? | If you need less than $125k for the downpayment, I recommend you convert your mutual fund shares to their ETF counterparts tax-free: Can I convert conventional Vanguard mutual fund shares to Vanguard ETFs? Shareholders of Vanguard stock index funds that offer Vanguard ETFs may convert their conventional shares to V... |
Which is better when working as a contractor, 1099 or incorporating? | It makes no difference for tax purposes. If you are 1099, you will pay the same amount of taxes as if you formed a corporation and then paid yourself (essentially you are doing this as a 1099 contractor, just not formally). Legally, I don't know the answer. I would assume you have some legal protections by forming an ... |
How to spend more? (AKA, how to avoid being a miser) | I agree with JoeTaxpayer's answer. The question you should be asking is not "how do I spend more" but "how do I become happier". From what you say, it may be that you could increase your happiness simply by cutting back on these aggressive attempts to save a few bucks here and there. At the same time, if you do this,... |
US Banks offering Security Tokens in 2012 | I'm looking for another one right now. Here's what I've found: Los Alamos National Bank (www.lanb.com) has tokens ($5?), but I think they only open accounts for New Mexico residents. I've had one for several years. USAA Savings Bank (usaa.com) has tokens ($5 or free, I don't remember). I'm pretty sure you do NOT need t... |
Sell or keep rental Property? | And he has to pay for it every home repair and every month the property sets empty. His loss each month is not $250, but probably closer to $500. In generally you need to clear at least $200 ABOVE PTI (principle, taxes and interest) to cover repair and the like to property. From your post, it sounds like your dad was... |
What is the compound annual growth rate of the major markets? | Center for Research in Security Prices would be my suggestion for where to go for US stock price history. Major Asset Classes 1926 - 2011 - JVL Associates, LLC has a PDF with some of the classes you list from the data dating back as far as 1926. There is also the averages stated on a Bogleheads article that has some re... |
If an option's price is 100% made up of its intrinsic value, is there a way to guarantee a non-loss while having a chance at a profit? | The strategy looks good on paper but in reality, the 150 call will have some time value particularly if it has got some time to mature. Let us say this time value is 0.50 , so the call costs 3.50. If the stock stays above 150 (actually above 149.50) , by the expiration of the call, you will lose this 0.50 . Then you ... |
Owning REIT vs owning real estate - which has a better hypothetical ROI? | REIT is to property as Mutual Fund is to stock. In others words, a REIT spreads your risk out over a greater number of properties, making the return safer, at the expense of both upside and downside risk. On average, both would average out to be the same. That said, you have a much wider range of outcomes when investi... |
What to do when a job offer is made but with a salary less than what was asked for? | It depends on your situation. Take the job only if you really need the job and there's no job close to your experience and salary expectations. IMO $70K is not much in NYC given the cost of living there, even if you stay in Jersey City, NJ and take a train. However, it does depend on your lifestyle. Also, if HR is not ... |
How do I build wealth? | Another possibility is that a lot of it is bought using borrowed money. Especially if much of your own money is in the stock market, it may be beneficial to take out a loan to buy something compared to selling other assets to raise the same amount of cash. Even going by the likely relatively conservative £200K/year bef... |
Avoid Capital Gains on Rental | What you are looking for is a 1031 exchange. https://www.irs.gov/uac/like-kind-exchanges-under-irc-code-section-1031 Whenever you sell business or investment property and you have a gain, you generally have to pay tax on the gain at the time of sale. IRC Section 1031 provides an exception and allows you to postpone pay... |
I'm about to be offered equity by my employer. What should I expect? | Yes, what they said. You don't mention where you are on the totem pole. Are you reporting to the top dog, or are you 3 levels down? Not to be a downer, but until you know your cut, I'd not get too excited either way. 1000 shares/options of a LinkedIn turned to nearly $100K. Nothing to sneeze at, to be sure, but not eno... |
What options do I have at 26 years old, with 1.2 million USD? | When I was in a similar situation (due to my stocks going up), I quit my job and decided that if I live somewhat frugally, I wouldn't have to work again (I haven't). But I fell victim to some scams, didn't invest wisely, and tried to play as a (minor) philantropist. Bad move. I still have enough money to live on, an... |
What to bear in mind when considering a rental home as an investment? | First off, I would label this as speculation, not investing. There are many variables that you don't seem to be considering, and putting down such a small amount opens you to a wide variety of risks. Not having an "emergency fund" for the rental increases that risk greatly. (I assume that you would not have an emerg... |
Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? | Are you in the United States? Is there some sort of written agreement that the money your parents paid into the house is a loan that will be paid back? I assume the deed to the home is in your name, and your parents do not have a lien on the property in any way? In the United States provided there is no lien and your ... |
What is the next step to collect money after a judgment has been ignored? | According to LegalZoom: If your debtor is unwilling to pay and you know they have the means, it's time to use your local sheriff. You have three options to collect: a bank levy, wage garnishment, or a real estate lien. It sounds like you'll need to reach out to your local police/sheriff's department and they can f... |
Next option(s) after house is not selling on market? | EDIT: new ideas based on the full story. I wouldn't worry about the price history. While it is certainly true that some buyers might try to leverage that information against you, the bottom line is the price is the price. Both the buyer and the seller have to agree. If the initial listing was too high, then lower t... |
Owning REIT vs owning real estate - which has a better hypothetical ROI? | You've already hit on the big difference. If you buy a property, you've made a big commitment, for better or worse. If you bought wisely, you'll be very happy. If not, you could go bankrupt. An REIT spreads out the risk, but the reward isn't as great. There's less barrier to entry in buying shares of an REIT than the... |
Is Amazon's offer of a $50 gift card a scam? | Amazon has 2 different cards you can apply for, a store card and a credit card. The credit card is through Chase. The deal is not a scam, I can confirm this because I applied for their credit card and got $70 in the form of a digital gift card. By giving customers free money for signing up for their cards they get more... |
Why does short selling require borrowing? | A simple way to ask the question might be to say "why can't I just use the same trick with my own shares to make money on the way down? Why is borrowing someone else's shares necessary to make the concept a viable one? Why isn't it just the inverse of 'going long'?" A simple way to think about it is this: to make money... |
Why do banks require small businesses to open a business bank account instead of a cheaper personal one? | You could, but the bank won't let you... If you're a sole proprietor - then you could probably open a personal account and just use it, and never tell them that is actually a business. However, depending on your volume of operations, they may switch you on their own to business account by the pattern of your transactio... |
Does a bid and ask price exist for indices like the S&P500? | You can trade an index by using a Contract For Difference, or CFD. Various brokers offer this method and the spreads are quite low. They tend to widen outside of market hours, and not all brokers offer the same spreads. I would look for a broker that offers the lowest spread on the index you are interested in. You shou... |
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. |
If a mutual fund did really well last year, then statistically speaking, is it likely going to do bad this year? | From a mathematical point of view the stats do not change depending on past performance. Just because a fund is lucky one year doesn't mean that it will be unlucky the next. Consider tossing a coin, the chance of heads is 50%. If you have just thrown 3 heads, the chance of heads is still 50%. It doesn't go down. If yo... |
Should I pay off my mortgage, begin retirement savings, or build my emergency fund? | Welcome to Money.SE. I will say upfront, Personal Finance is just that, personal, and you are likely to get multiple, perhaps conflicting, answers. Are you sure the PMI will drop off after 2 years? The rules are specific, and for PMI, when prepayments put you at that 78/80% LTV, your bank can require an appraisal, not ... |
If I put a large down payment (over 50%) towards a car loan, can I reduce my interest rate and is it smart to even put that much down? | Can you reduce your interest rate? Talk to the lender. Maybe. Probably not. The rate reflects their perception of how much of a risk they're taking with the loan. But if all you're borrowing is $2000, the savings that you might get out of any adjustment to the rate is not going to be all that significant. Sure, it woul... |
Are parking spaces and garage boxes a good investment? | If the company that owns the lot is selling them it is doing so because it feels it will make more money doing so. You need to read carefully what it is you are getting and what the guarantees are from the owner of the property and the parking structure. I have heard from friends in Chicago that said there are people... |
How to spend more? (AKA, how to avoid being a miser) | Time is money. If those hours spent researching to save $3 made you a better profit than you would have otherwise had buying the more expensive product and using the rest of the time to make more than $3, then you came out on top. If you consider this general premise in every spending decision you make, you should alwa... |
Advantages/Disadvantages to refinancing online? | If you can deal with phone calls instead of a face to face meeting, for the average person with an average refinance online tools just offer another way to shop for deals. For new mortgages, I think having a person you can meet face to face will avoid problems, but for just a simple refi, online is one of the places yo... |
How can I investigate historical effect of Rebalancing on Return and Standard Deviation? | Doesn't "no rebalancing" mean "start with a portfolio and let it fly?" Seems like incorporation of rebalancing is more sophisticated than not. Just "buy" your portfolio at the start and see where it ends up with no buying/selling, as compared with where it ends up if you do rebalance. Or is it not that simple? |
Smart to buy a house in college? | NORMALLY, you don't want to buy in a bad neighborhood. The one exception is "gentrification," that is middle class people are moving in because of a good location (which you seem to have). The other important thing to do is to cover your mortgage. Four "guys" at $500 a month will do for an $1800 mortgage. The nice thin... |
How does high frequency trading work if money isn't available for 2-3 days after selling? | Margin accounts do not have the problem you are imagining, which is unique to cash accounts |
Is it possible for all the owners of a stock to gain or lose money at the same time? | I'm not sure I understand your question. If the stock price is at an all-time high, everyone who owns the stock is 'in the money'. Of course, they won't actually realise a capital gain until they sell the stock. Similarly, if the stock becomes worthless (the company shuts down after declaring bankruptcy, etc.), everyon... |
Separated spouse filed for SNAP benefits as single. Does this affect ability to file taxes jointly? | The IRS isn't going to care how you filed for benefits - they're effectively the high man on the totem pole. The agency that administers the SNAP program is the one who might care. File the 1040 correctly, and then deal with SNAP as you note. Do deal with SNAP, though; otherwise they might be in trouble if SNAP noti... |
Is the need to issue bonds a telltale sign that the company would have a hard time paying coupons? | It (usually) is better to use Other Peoples Money (OPM) than your own. This is something that Donald Trump has mastered. If you use OPM and something goes wrong you can declare bankruptcy and wipe out that debt. The Donald has done this more than once. At the fantastic low Intrest rates a company would be wasting reso... |
Discussing stock and stock index movement: clarifying percentage vs. points? | As I write this, the NASDAQ Composite is at 2790.00, down 6.14 points from yesterday. To calculate the percentage, you take 6.14 and divide by yesterday's close of 2796.14 to yield 0.22%. In your example, if SPY drops from 133.68 to 133.32, you use the difference of -0.36 and divide by the original, i.e. -0.36/133.68 =... |
Why is the stock market closed on the weekend? | Simply, most of the above given 'answers' are mere 'justifications' for a practice that has become anachronistic. It did make sense once in the past, but not any more. Computers and networks can run non-stop 24/7; even though the same human beings cannot be expected to work 24/7, we have invented the beautiful concept ... |
Will depositing $10k+ checks each month raise red flags with the IRS? | Your main concern seems to be to be accused of something called 'smurfing' or structuring. http://en.wikipedia.org/wiki/Structuring Depositing money amounts (cash or checks) under the 10k limit to circumvent the reporting requirement. People have been investigated for depositing under the limit, e.g. small business own... |
How some mutual funds pay such high dividends | Look at their dividend history. The chart there is simply reporting the most recent dividend (or a recent time period, in any event). GF for example: http://www.nasdaq.com/symbol/gf/dividend-history It's had basically two significant dividends and a bunch of small dividends. Past performance is not indicative of fut... |
Idea for getting rich using computers to track stocks | I (and probably most considering trading) had a similar thought as you. I thought if I just skimmed the peaks and sold before the troughs, perhaps aided by computer, I'd be able to make a 2% here, 2% there, and that would add up quickly to a nice amount of money. It almost did seem "foolproof". Then I realized that s... |
Health insurance lapsed due to employer fraud. How to get medications while in transition? | Check with the manufacturer of the name brand medication. Most of them have programs to help people who need their medication but can not afford it. They may be able to send you coupons for discounted or free medication. You can go to a free clinic. If your income is low enough the free clinic will provide medicine... |
What significant negative factors affect Yahoo's valuation? | There are two very large negative factors that affect Yahoo's valuation. The first is that their search business is in decline and continues to lose ground to Google and even Bing. There's no sign that they have any plan or product in the works to offset this decline, so there's tremendous uncertainty about the comp... |
Why would I buy a bond with a negative yield? | The question in my view is going into Opinion and economics. Why would I buy a bond with a negative yield? I guess you have answered yourself; Although the second point is more relevant for high net worth individual or large financial institutions / Governments where preserving cash is an important consideration. Curre... |
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. |
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 do I bring money overseas? | I'm an Australian who just got back from a trip to Malaysia for two weeks over the New Year, so this feels a bit like dejavu! I set up a 28 Degrees credit card (my first ever!) because of their low exchange rate and lack of fees on credit card transactions. People say it's the best card for travel and I was ready for i... |
What's an economic explanation for why greeting cards are so expensive? | Competition, or actually lack of competition, mostly due to a demand curve that has minimal change due to price. You would buy the equivalent, cheaper option if it was available, but the store has little interest in offering multiple, competing options that would drive their same store revenue down. And the competing s... |
Why doesn't Japan just divide the Yen by 100? | A Yen is like a penny. Buy a chocolate bar 100¥ or £1.00. Should the UK get rid of pennies and only price things to the pound? |
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