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How come the government can value a home more than was paid for the house? | From my perspective I suspect that if the government use the paid price, people will start to buy at very low nominal prices in order to pay less taxes, and will repay the seller by other means. |
tax deduction for 30k loan | The loan itself is not tax deductible; unless you took it as part of a mortgage, anyway, it's just a regular loan. Mortgage and Student Loan Interest deductions are special cases explicitly given tax-deductible status; other loans are not deductible (unless part of a business expense or other qualifying reason). If th... |
Is CLM a stock or an ETF? | CLM is a Closed End Fund. It is a collection of other securities that trades as if it were stock issued by a single company. NASDAQ cares about how it trades, so that would be why they list it as you say they do. Here is a list of their top 25 holdings: http://portfolios.morningstar.com/fund/holdings?t=CLM®ion=usa&... |
What to do with small dividends in brokerage account? | Don't sit on it, because the money does not work for you. Add more money to it and buy a stock or stocks of the company. |
Which Roth IRA is the best for a 21 year old who has about $1500? | You're young. Build a side business in your spare time. Invest in yourself. Fail a few times when you have some time to recover financially. Use the money that you would have let sit in some account and develop your skills, start up an LLC, and build up the capacity to get some real returns on your money. Be a rainm... |
Checking the math on a Truth-in-Lending Disclosure | As your question is written now, it looks like you have a typo. Your stated APR is 5.542% = 0.05542, not 0.005542 as you've written. I ran the numbers that you gave (accounting for the typo) through the formula at Wikipedia and got $849.2528 / month, which will round to $849.25 for most payments. That doesn't match ... |
Buying a multi-family home to rent part and live in the rest | Think carefully about the added expenses. It may still make sense, but it probably won't be as cheap as you are thinking. In addition to the mortgage and property taxes, there is also insurance and building maintenance and repairs. Appliances, carpets, and roofs need to be replaced periodically. Depending on the are... |
Treasury Bonds, and why has the NYSE 20+ Year Treasury Bond index (AXTWEN) gone up so much in the last year (2011)? | The price of a bond goes up when yields go down. For example, you purchase a 5% bond today for $100 and the very next day the same bond is being offered with a rate of 10%. Will you be able to sell you bond for the $100 you paid? No, you must compete with the 10% bonds being sold so you will have to sell your bond f... |
UK Limited Company paying third party medical costs | According to HMRC's manual BIM42105, you can't deduct expenses of this kind when calculating your profits for corporation tax: No deduction is allowed for expenditure not incurred wholly and exclusively for trade purposes So at the least, the company will have to pay corporation tax on this donation at some point, assu... |
Higher auto insurance costs: keep car or switch to public transit? | So you will be saving $450 + price of commuting gas - cost of transportation + cost of commuting maintenance - the cost of recreational car rentals if decide to go without a car. For some people that cost is not enough to forego the convenience of owning a car. One factor you have not alluded too is your current finan... |
How to start personal finances? | A few practical thoughts: A practical thing that helps me immensely not to loose important paperwork (such as bank statements, bills, payroll statement, all those statements you need for filing tax return, ...) is: In addition to the folder (Aktenordner) where the statements ultimately need to go I use a Hängeregistrat... |
What are the consequences of not respecting a notice period when leaving a job? | When I was pursuing my Business Degree in Canada we were told the standard notice period is 2 weeks on both sides. This means your employer is required to give you at least two weeks notice and you are required to give it as well. If you violate your notice requirement the employer can sue you for lost revenues and etc... |
Avoid Capital Gains on Rental | Just brainstorming here, but my gut feeling is it should be possible to sell your home to yourself with the sole purpose of resetting your basis. Taken at face value it feels illegal, but since I think we all would agree that you could sell your house to a third party and purchase the identical house next door for the ... |
ESPP strategy - Sell right away or hold? | A general rule of thumb is to avoid having more than 5% of your investments in any single stock, to avoid excessive risk; it's usually even more risky if you're talking company stock because an adverse event could result in an inferior stock price and you getting laid off. Under other circumstances, the ideal amount of... |
Any Ubiquitous Finance App That is on Mac, iOS and Windows? | I have been using bearsofts money app, both in mac and iOS. I think only down side with this apps is you need to buy them separately. http://ibearmoney.com/money-mac.html |
Starting a new job. Help me with retirement/debt planning please! | I would go with your alternative idea: get rid of the debt as fast as possible. You have $32k of debt. It's a lot, but with your new $90k salary, do you think you could get rid of it all in 12 months? See if you can make that happen. Once the debt is gone, you'll be in a position to invest as much as you want and ke... |
Are buying and selling futures based on objective data? | Let's ask another question: Why do you buy X at price $Y? Here are some answers: Now, another question: Are you guaranteed to get at least $Y worth of value when you buy X? Of course not! A lot of things can happen. Your car can be a lemon. Your pedigreed Dachshund can get run over by a snowblower. Or, the prices... |
Best Time to buy a stock in a day | You want to buy when the stock market is at an all-time low for that day. Unfortunately, you don't know the lowest time until the end of the day, and then you, uh can't buy the stock... Now the stock market is not random, but for your case, we can say that effectively, it is. So, when should you buy the stock to hopefu... |
Can I fully deduct capital losses against discounted capital gains? | The short answer is no - the CGT discount is only applied against your net capital gain. So your net capital gain would be: $25,000 - $5,000 = $20,000 Your CGT discount is $10,000 You will then pay CGT on $10,000 Of course you could sell ABC in this financial year and sell DEF next financial year. If you had no other ... |
Hired with W-9, will I owe estimated tax quarterly? | You must pay your taxes at the quarterly intervals. For most people the withholding done by their employer satisfies this requirement. However, if your income does not have any withholding (or sufficient), then you must file quarterly estimated tax payments. Note that if you have a second job that does withhold, then ... |
Does an individual share of a stock have some kind of unique identifier? | There is no unique identifier that exists to identify specific shares of a stock. Just like money in the bank, there is no real reason to identify which exact dollar bills belong to me or you, so long as there is a record that I own X bills and I can access them when I want. (Of course, unlike banks, there is still a 1... |
Why is stock dilution legal? | If that company issues another 100 shares, shouldn't 10 of those new 100 shares be mine? Those 100 shares are an asset of the company, and you own 10% of them. When investors buy those new shares, you again own a share of the proceeds, just as you own a share of all the company's assets. A company only issues new share... |
Who gets how many shares when an IPO is oversubscribed? | A broker will only get so many shares for any IPO. They will give their highest profit customers priority, but try to keep the smaller ones happy as well. So where my TWTR order today was for 1000 shares, I actually was granted 100. In the dotcon* bubble of the late 90's, there were some stocks I saw as many as 1000 h... |
Why do investors buy stock that had appreciated? | You seem to prefer to trade like I do: "Buy low, sell high." But there are some people that prefer a different way: "Buy high, sell higher." A stock that has "just appreciated" is "in motion." That is a "promise" (not always kept) that it will continue to go higher. Some people want stocks that not only go higher, but ... |
Recommended education path for a future individual investor? | My plan is that one day I can become free of the modern day monetary burdens that most adults carry with them and I can enjoy a short life without these troubles on my mind. If your objective is to achieve financial independence, and to be able to retire early from the workforce, that's a path that has been explored be... |
How do I do double-entry bookkeeping for separately-managed investment accounts? | For any accounts where you have a wish to keep track of dividends, gains and losses, etc., you will have to set up a an account to hold the separately listed securities. It looks like you already know how to do this. Here the trading accounts will help you, especially if you have Finance:Quote set up (to pull securit... |
Employer reported ESPP ordinary income on wrong year's W-2 | Based on the statement in your question you think it should have been on the 2014 W-2 but it was included on the 2015 W-2. If you are correct, then you are asking them to correct two w-2 forms: the 2014 form and the 2015 form. You will also have to file form 1040-x for 2014 to correct last years tax forms. You will hav... |
How much money should I lock up in my savings account? | Edited answer, given that I didn't address the emergency fund aspect originally: None. You've said you don't feel comfortable locking it away where you wouldn't be able to get to it in an emergency. If you don't like locking it away, the answer to "How much money should I lock up in my savings account?" is none. On a m... |
How should I choose an additional retirement investment plan? | It's a hard decision to make. Especially without knowing the complete contract details. I would in general stay away from financial "advisors" like tecis or other pyramid selling companies ("Strukturvertriebe" in german). They usually only offer a very limited range of products. In most cases they sell only 1 or 2 prod... |
Why did the Swiss National Bank fix the EUR/CHF exchange rate at CHF 1.20? | Due to the issues in the Eurozone, many foreign investors were buying Swiss Francs as a hedge against a Euro devaluation. They were in effect treating the Franc like gold, silver or some other commodity with perceived intrinsic value. This causes huge problems from the Swiss, as the value of the Franc increased and the... |
I carelessly invested in a stock on a spike near the peak price. How can I salvage my investment? | Is there anyway to salvage my investment for short-term? No. If by "salvage" you mean "get back as much as you paid", the only way to salvage it is to wait as long as you consider "short-term" and see if goes up again. If by "salvage" you mean "get some money back", the only thing you can do to guarantee that is sell... |
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... |
Foolish to place orders before the market opens? | If you are in it for the long run and are not worried about intra day fluctuations and buying within + or - 1% you would be better off going for a market order as this will make sure you buy it on the day. If you use limit orders you risk missing out on the order if prices gap and start rising in the morning. Another ... |
What considerations are there for making investments on behalf of a friend? | If you want to do #1, then you should form an "investment club." This is an entity that is recognized by the SEC and the IRS. From the SEC: An investment club is a group of people who pool their money to make investments. Usually, investment clubs are organized as partnerships and, after the members study different in... |
Evidence for timing market in the short run? | Timing the market and by extension the efficient market hypothesis is one of the most hotly debated subjects in finance academia. If you are to believe the majority of finance professors and PHD's out there chances of timing a market like the NYSE, NASDAQ or LSE is not possible. If you are to take into account the huge... |
How do you translate a per year salary into a part-time per hour job? | If you're really a part-time worker, then there are some simple considerations.... The remote working environment, choice of own hours, and non-guarantee of work availability point to your "part-time" situation being more like a consultancy, and that would normally double or triple the gross hourly rate. But if they're... |
What is the best way to determine if you should refinance a mortgage? | Our mortgage provider actually took the initiative to send us a refinance package with no closing costs to us and nothing added to the note; took us from a 30-year-fixed ~6.5% note to a 15-year-fixed ~5% note, and dropped the monthly payment in the process. You might talk to your existing lender to see if they would d... |
How to get a grip on finance? | I think this question is perfectly on topic, and probably has been asked and answered many times. However, I cannot help myself. Here are some basics however: Personal Finance is not only about math. As a guy who "took vector calculus just for fun", I have learned that superior math skills do not translate into super... |
Privacy preferences on creditworthiness data | See the first item in the list: For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Note that there's no option for you to limit this sharing. Credit reporting is the business need of the b... |
Is it worth it to buy TurboTax Premier over Deluxe if I sold investments in a taxable account? | Here are the lists for the tax forms that Deluxe and Premier include. I think you'll be fine with Deluxe because it sounds like all you need is the Schedule D/8949 forms. Deluxe actually includes most investment related forms. |
Should you keep your stocks if you are too late to sell? | If the stock starts to go down DO NOT SELL!! My reasoning for this is because, when you talk about the stock market, you haven't actually lost any money until you sell the stock. So if you sell it lower than you bought it, you loose money. BUT if you wait for the stock to go back up again, you will have made money. |
What is a W-8 form, and how should I fill it in? | The IRS W-8BEN form (PDF link), titled "Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding", certifies that you are not an American for tax purposes, so they won't withhold tax on your U.S. income. You're also to use W-8BEN to identify your country of residence and corresponding tax ide... |
How Should I Start my Finance Life and Invest? | I'd suggest looking at something like the Dummies series of books for this. Something like: Sometimes the books are combined into one big book. This would be the best bet. It's were I started. Every time I wondered something I just looked it up and learned. They are perfectly fine for the novice. Hope this helps. |
How to report a personal expense for an LLC partnership paid in one year and reimbursed in another? | You report it when the expense was incurred/accrued. Which is, in your case, 2014. There's no such thing as "accounts payable" on tax forms, it is an account on balance sheet, but most likely it is irrelevant for you since your LLC is probably cash-based. The reimbursement is a red-herring, what matters is when you pai... |
Want to buy a car but have not enough money | When your dream car is not just 200 times your disposable income but in fact 200 times your whole monthly salary, then there is no way for you to afford it right now. Any attempt to finance through a loan would put you into a debt trap you won't ever dig yourself out. And if there are any car dealerships in your count... |
I have more than $250,000 in a US Bank account… mistake? | If you were married the 250K protection can be expanded by the use of joint and individual accounts. A separate limit also exists for IRA accounts. With out those options you will have to put some additional money into another banking institution. This could be a bank or credit union. You have to be careful to make su... |
Why doesn’t every company and individual use tax-havens to pay less taxes? | Many of the Financial intermediaries in the business, have extraordinary high requirements for opening an account. For example to open an account in Credit Suisse one will need 1 million US dollars. |
What to do if my aging father is sustaining a hobby that is losing several thousand dollars every month? | If this was going on in the UK, I would try to get a mental capacity assessment done on the father. There are laws that stop you taking advantage of people that don’t understand what is going on; these laws could be used against the manager, but only if you can clearly prove that the father does not understand that the... |
Small investing for spending money? | Just to offer another alternative, consider Certificates of Deposit (CDs) at an FDIC insured bank or credit union for small or short-term investments. If you don't need access to the money, as stated, and are not willing to take much risk, you could put money into a number of CDs instead of investing it in stocks, or j... |
Principal 401(k) managed fund fees, wow. What can I do? | Would anything happen if you bring this issue to the attention of the HR department? Everyone in the company who participates in the 401(k) is affected, so you'd think they'd all be interested in switching to a another 401k provider that will make them more money. |
Why don't companies underestimate their earnings to make quarterly reports look better? | You need to distinguish a company's guidance from analysts' estimates. A company will give a revenue/earnings guidance which is generally based on internal budgets. The guidance may be aggressive or conservative - some managements are known to be conservative and the market will take that into account to form actual e... |
Are real estate prices memory-less? | I would argue no. It's easy to correlate home prices based on size, neighborhood, school district, condition and other factors, such as property taxes. In fact, real estate people and government assessors use those characteristics to assess property value. The demographics of a home will drive desirability/demand for t... |
Where do I invest my Roth IRA besides stock market and mutual funds? | In general, investors with a long period of time until they would need to withdraw the cash are best off holding mostly equities. While the dividends that equities would return are less than the interest you would get in peer-to-peer lending, over long periods of time not only do you get the dividends from equity inve... |
How to invest in stocks without using an intermediary like a broker? Can shares be bought direct? | Agree with Michael here. The exchanges help you more than they will hurt. It begs the question why you want to avoid exchanges and the brokers since they do provide a valuable service. If you want to avoid big fees, most of the discount brokerages have tiny fees these days (optionshouse is down to $4), plus many have d... |
Why are for-a-fee wires faster than 2+ day free ACH | ACH transfers are the evolution of paper check clearing houses. Transactions are conducted in bulk and do not immediately settle -- the drawer and drawee still retain liability for a period of days or weeks after the transaction date. (I'd suggest looking to the legal definition of a check or draft to understand this b... |
What's the fuss about Credit Score / History? | Credit Unions have long advocated their services based on the fact that they consider your "character." Unfortunately, they are then at a loss to explain how they determine the value of your character, other than to say that you're buddies & play pool together so they'll give you a loan. Your Credit History / Score is... |
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 property taxes get deducted 100% from the Annual Tax Return or only a fraction of them? | In 2012, the standard deduction is $5950 for a single person. Let's assume you are very charitable, and by coincidence you donate exactly $5950 to charity. Everything that falls under itemized deductions would then be deductible. So, if your property tax is $6000, in your example - Other adjustments come into play, ... |
Why is retirement planning so commonly recommended? | You don't have to retire. But the US government and other national governments have programs that allow you to set aside money when you are young to be used when you are older. To encourage you to do this, they reduce your taxes either now or when your are older. They also allow your employer to match your funds. In t... |
Would I ever need credit card if my debit card is issued by MasterCard/Visa? | The question should be - do you need a debit card? Other than American Express I have to tell my other credit card issuers to not make my cards dual debit/credit. Using a debit card card can be summed up easily - It creates a risk of fraud, errors, theft, over draft, and more while providing absolutely no benefit. I... |
Do Americans really use checks that often? | When you start at a new job here in the U.S., the default means of payment is usually a paper check. Most folks will quickly set up direct deposit so that their employer deposits their paycheck directly into their personal bank account - the incentive to do so is that you receive your funds faster than if you deposit a... |
What emergencies could justify a highly liquid emergency fund? | I suppose this could really depend on the part of the world you're in, but there are still many instances of "emergencies" that need "cash". You have to decide how much cash is the right amount, but I still recommend having $1,000 or so in liquid cash. It can really make a huge difference. Let me give a few examples. ... |
Do I even need credit cards? | The key part of your question is the "so far". So you didn't need a credit card today, or yesterday, or last month - great! But what about tomorrow? The time may come when you really need to spend a little more than you have, and a credit card will let you do that, at a very modest cost if you pay it off promptly (n... |
Working abroad in Australia, what is involved financially and administratively? | If you think there is no complication in your application and you can easily satisfy all criteria you can do the process yourself without using any agent and save few thousand dollars. I have done myself. Another cost Chris forgot to mention is the medical examination cost which is mandatory. If your certificates and d... |
Would open source credit score formulas be feasible? | The major bureaus use the Fair Isaac scoring model, for the most part. Here's an excerpt from a web site (Versions of the FICO scoring model) to explain: One of the first things a newcomer to this board learns is the difference between FICO and FAKO scores. FAKO refers to the non-FICO scores offered by various compani... |
How can I stop wasting food? | Try to choose less perishable items. Besides canned and bottled are adequate for some foods, and frozen foods for a wider range, such as vegetables and prepared foods. Dairy has a limited life, but some types live longer, like yogurt. Fruits like apples and oranges will last a good deal longer in the fridge (bananas... |
First Time Home Buyers - Down Payment, PMI and Points | 1 - For FHA loans PMI is required for mortages where there is not at least 20% equity. Bank Financed Non-FHA loans may have other standards. If you are getting an FHA loan ,if possible put down 20% so that you do not have to pay PMI. That said your PMI costs should be reduced by the size of your down payment since t... |
I'm thinking about selling some original artwork: when does the government start caring about sales tax and income tax and such? | First - get a professional tax consultation with a NY-licensed CPA or EA. At what point do I need to worry about collecting sales taxes for the city and state of New York? Generally, from the beginning. See here for more information on NYS sales tax. At what point do I need to worry about record-keeping to report the ... |
What is meant by a market that is technically strong | A technically strong stock or market is simply a stock or market which is up-trending and has been up-trending for a while. Just as a fundamentally strong stock is one with good fundamentals (a stock that is healthy and making higher profits year after year and continually improving), a technically strong stock has a h... |
How long does it take for a Tangerine no-fee money-transfer email to be delivered? | I phoned Tangerine; they enlightened me. It generally takes 2 hours for the email to arrive. Next, the recipient must open the email, click the link, and enter their bank account number. They'll generally receive the money 2-3 business days after that. This forum post suggests that the delays are due to systemic risk m... |
Schedule C: where to deduct service fees on income? | Putting them on line 10 is best suited for your situation. According to Quickbooks: Commissions and Fees (Line 10) Commissions/fees paid to nonemployees to generate revenue (e.g. agent fees). It seems like this website you are using falls under the term "nonemployees". |
Any good software for value investment? | As @littleadv and @DumbCoder point out in their comments above, Bloomberg Terminal is expensive for individual investors. If you are looking for a free solution I would recommend Yahoo and Google Finance. On the other side, if you need more financial metrics regarding historic statements and consensus estimates, you s... |
Will the stock market continue to grow forever? | The answer to your question depends on what you mean when you say "growth". If you mean a literal increase in the aggregate market capitalization of companies, across the entire market, then, no, this sort of growth is not possible without concomitant economic growth. The reason why is that the market capitalization ... |
Who owns historical valuations about equity such as stocks and index funds? | I expect that data may be copyright. Data that's published (e.g. on a newsfeed or web site) is subject to terms of use. Standard & Poor's web site says, about the Shiller indexes, Who do I contact at S&P to license my use of these indices? Questions regarding licensing the S&P/Case-Shiller Home Price Indices ... |
In which country can I set up a small company so that I pay a lower rate of corporate tax? | There are countries out there that are known as tax havens, where they offer companies low or no taxes on earned revenue. I haven't looked into this in over a decade, but recall that countries like the Cayman Islands, Switzerland, Ireland, and Nauru, to name a few fit that tag. But like bstpierre stated, there's a reas... |
How could strike price for new shares be higher than the market price | Berkshire Hathaway issues first ever-negative coupon security from back in 2002 had this part: The warrants will give the holder the right to purchase either shares of the Company's class A or class B common stock at the holder’s option. The initial exercise price represents a 15% premium over the closing price o... |
Why are stocks having less institutional investors a “good thing”? | Its pretty much always a positive to have large institutional investors. Here's a few cases where I can see an argument against large institutional investors: In recent years, we've seen corporate raiders and institutional investors that tend to influence management in ways that are focused on short term gain. They'll ... |
Is it better to ask for a raise before a spin-off / merger or after? | I would guess that before the spin-off, more money would be available In my experience the reverse is true. The finance folks go into overdrive tightening everything up so that budget forecasts for the transition period are as accurate and predictable as possible. This can be true 6 months out, 12 months out, etc - dep... |
List of Investments from safest to riskiest? | With every caveat that Rick said plus many many more lets have some fun. One common way to measure risk is volatility of returns roughly how much the value of your asset jumps around. Interestingly, the following ordering is fairly similar for many other common measures of risk. The first three on the list would be m... |
My boss wants to buy me a gift. How do I account for taxes for this? | Gifts given and received between business partners or employers/employees are treated as income, if they are beyond minimal value. If your boss gives you a gift, s/he should include it as part of your taxable wages for payroll purposes - which means that some of your wages should be withheld to cover income, social sec... |
Did I get screwed in taxes on a mutual fund dividend payment? | No, not screwed. This is just an artifact of the tax code and year end dividends. You paid a tax, and in return, got a higher basis. When you sell, you will have less profit, therefore less tax to pay than the guy who bought right after the dividend. You can call the fund company if you want to buy later this year. O... |
Why would anyone buy a government bond? | Building on the excellent explanation by "Miichael Kjörling": Why would you rather "term deposit" your money in a bank and only earn interest of certain percentage but not not invest in stocks / real state and other opportunities where you will not only earn much higher dividends / profit but will have an opportunity f... |
Options vs Stocks which is more profitable | First, to mention one thing - better analysis calls for analyzing a range of outcomes, not just one; assigning a probability on each, and comparing the expected values. Then moderating the choice based on risk tolerance. But now, just look at the outcome or scenario of 3% and time frame of 2 days. Let's assume your inv... |
Why don't institutions share stock recommendations like Wall Street analysts? | Primarily because they don't want big price movements when they are in the market. If they spook the markets, either they have to buy at a higher price, or they sell at a lower price or they decrease the price of their holdings(which isn't always a big factor). The 3 situations they didn't want to be in the first place... |
Do I even need credit cards? | There are numerous reasons that go beyond the immediate requirement for access to credit. Many people just plain don't like carrying cash. Before electronic debit cards became mainstream about the only way to pay for online services was with a credit card. This has now changed just about everywhere except a large num... |
How credible is Stansberry's video “End of America”? | I know nothing about the guy, but I think the "premium" products (Penny stock recommendations, a newsletter devoted to earning 12% per year, every year, etc) sold by his firm speak for themselves. |
Pros and cons of bond ETF versus traditional bond mutual fund? | Bond ETFs are just another way to buy a bond mutual fund. An ETF lets you trade mutual fund shares the way you trade stocks, in small share-size increments. The content of this answer applies equally to both stock and bond funds. If you are intending to buy and hold these securities, your main concerns should be purc... |
Will ADR holder be taxed twice | Surprisingly enough, this one isn't actually all that complicated. No, you will not be taxed twice. Dividends are paid by the company, which in this case is domiciled in Spain. As a Spanish company, the Spanish government will take dividend witholding tax from this payment before it is paid to a foreign (i.e. non-Spa... |
What should I do with my $10K windfall, given these options? | I recommend fixing the roof. You're going to pay for it eventually, either as an emergency repair or a concession at sale. |
Further Understanding of Wash Sale Rules | Once you own no shares for 31 days, it's game over. Even though the accounting has wash sales to consider, in the end, gains and losses all cancel to one net position of break even, gain or loss. It's when there are shares remaining at the end of a period of time that the wash sale rules really impact the numbers. |
Borrow from 401k for down payment on rental property? | Another option you might consider is rolling over some of that 401K balance into a self-directed IRA or Solo 401K, specifically one with "checkbook privileges". That would permit you to invest directly in a property via your IRA/401K money without it being a loan, and preserving the tax benefits. (You may not be able t... |
Ex-dividend date and time zones | Ex-Date is a function of the exchange, as well as the dividend. Consider Deutsche Bank AG, DB on the NYSE, DKR on Xetra. For a given dividend, each exchange sets the ex-date for trades on that exchange. (See http://www.sec.gov/answers/dividen.htm for a description of how it works in the US; other exchanges/countries a... |
Investment property information resources | I personally found the "For Dummies" books, on property investment, very helpful and a great primer. I found them unbiased and very informative, laying out the basic principles. Depending on your knowledge it can provide you with enough of a foundation to have an informed conversation with banks/real estates etc. Watc... |
Who receives the money when one company buys another? | It's tempting to think of a corporation as a real thing, because in many respects it seems to be. But it isn't a corporeal thing (despite the root word of the name). It may own corporeal things, and employ corporeal people, but it is not itself a real thing. Borrowing heavily from Prof Joseph Heath: It might be better ... |
Married, 55, grown kids: Should I buy life insurance, or invest in stocks? The ultimate decision | The following is from Wikipedia - Term life insurance (with very minor editing) Because term life insurance is a pure death benefit, its primary use is to provide coverage of financial responsibilities, for the insured. Such responsibilities may include, but are not limited to, consumer debt, dependent care... |
What data does a seller receive when I pay by credit card? | It depends on the seller. If the seller wants, they can collect the information from you and send it to the payment gateway. In that case, they of course have everything that you provide at some point. They are not supposed to keep the security code, and there are rules about keeping the credit card number safe. T... |
Dividend vs Growth Stocks for young investors | First, what Daniel Carson said. Second, if you're getting started, just make sure you are well diversified. Lots of growth stocks turn into dividend stocks over time-- Microsoft and Apple are the classic examples in this era. Someday, Google will pay a dividend too. If you're investing for the long haul, diversify an... |
What does volume and huge daily price increases say about stock prices? | Stock B could be considered to be more risky because it seems to be more volatile - sharp rises on large volume increases can easily be followed by sharp drops or by further rises in the start of a new uptrend. However, if both A and B are trading on low volume in general, they can both be more on the risky side due t... |
How to know which companies enter the stock market? | Market Watch has an IPO calender with details of upcoming IPOs that should provide most of the information you need. |
Why are options created? | In general economic theory, there are always two markets created based on a need for a good; a spot market (where people who need something now can go outbid other people who need the same thing), and a futures market (where people who know they will need something later can agree to buy it for a pre-approved price, ev... |
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