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How to invest 100k | How to spend the money is up to you. That includes spending money on your house. (This is a safer way to look at it than an "investment". Not that it can't ever be treated as such, but that doing so often makes it easy to justify bad decisions and overspending on the house.) So with regards to the mortgage: So if it's ... |
In USA, what circumstances (if any) make it illegal for a homeless person to “rent” an address? | It depends on the rules in the specific places you stay. Specific places being countries or states. Some states may consider pension payments to be taxable income, others may not. Some may consider presence for X days to constitute residency, X days may be 60 days in a calendar year whether or not those days are co... |
Beginner dividend investor - first steps | Question 1: How do I start? or "the broker" problem Get an online broker. You can do a wire transfer to fund the account from your bank. Question 2: What criticism do you have for my plan? Dividend investing is smart. The only problem is that everyone's currently doing it. There is an insatiable demand for yield, no... |
Currently a Microsoft Money user on PC, need a replacement suitable for Mac | I haven't found a drop-in replacement for MS Money, but I've tried a few of the Mac desktop programs. I settled on Iggsoftware's iBank, which seems to do what I need it to do. It also appears to be able to import transactions from MS Money if you export your accounts as QIF files at the MS Money end, but I never tried ... |
How to invest in Japan's stock market from the UK | Use an exchange traded fund ETF, namely SPDR MSCI Japan EUR Hdg Ucits ETF. It is hedged and can be bought in the UK by this broker State Street Global Advisors on the London Stock Exchange LSE. Link here. Article on JAPAN ETF hedged in Sterling Pound here. |
Is there an advantage to keeping a liquid emergency fund if one also has an untapped line of credit? | Stop trying to make money with your emergency fund. It's purpose is to sit there idly waiting for a bad day. A day when you need that cash (liquid) not in a bank or a line-of-credit. The few dollars you might make trying to chase interest/investments with your emergency fund aren't worth it if a true emergency came up ... |
why do I need an emergency fund if I already have investments? | Emergency funds have a very specific and obvious benefit; you'll have money sitting around in case you need it. A lot of people think a big car repair or some unexpected home repair is an emergency, and that's fine. Emergency also expands up to "I lost my job four months ago and we're a year in to a recession, the st... |
How to respond to a customer's demand for payment extension? | In the event that payment is not made by the due date on the invoice then the transaction is essentially null and void and you can sell the work to another client. For your particular situation I would strongly suggest that you implement a sales contract and agreement of original transfer of work of art for any and all... |
Pay index fund expense ratios with cash instead of fund balance | In many cases the expenses are not pulled out on a specific day, so this wouldn't work. On the other hand some funds do charge an annual or quarterly fee if your investment in the fund is larger than the minimum but lower than a "small balance" value. Many funds will reduce or eliminate this fee if you signup for elect... |
what is this type of stock trade? | I think that pattern is impossible, since the attempt to apply the second half would seem to prevent executing the first. Could you rewrite that as "After the stock rises to $X, start watching for a drop of $Y from peak price; if/when that happens, sell." Or does that not do what you want? (I'm not going to comment on ... |
I'm only spending roughly half of what I earn; should I spend more? | Your Money or Your Life is a great book on this topic. |
Understanding differences between S&P500 index-tracking ETFs | Back in the olden days, if you wanted to buy the S&P, you had to have a lot of money so you can buy the shares. Then somebody had the bright idea of making a fund that just buys the S&P, and then sells small pieces of it to investor without huge mountains of capital. Enter the ETFs. The guy running the ETF, of course, ... |
Can I buy a new house before selling my current house? | I sold my house and had been in the market looking for a replacement house for over 6 months after I sold it. I found someone willing to give me a short term, 3 month lease, with a month to month after that, at an equitable rate, as renters were scarcer than buyers.By the time I found a house, there were bidding wars a... |
How much percent of my salary should I use to invest in company stock? | I agree with the other comments that you should not buy/hold your company stock even if given at a discount. If equity is provided as part of the compensation package (Options/Restrictive Stock Units RSU)then this rule does not apply. As a matter of diversification, you should not have majority equity stake of other co... |
Should I pay off my credit card online immediately or wait for the bill? | It does not matter. Your credit score is affected by late payments, by credit usage and by age of credit. DO NOT PAY LATE. Paying early is only good in that it means you don't pay late. Your credit usage is calculated by percentage of the credit you have that you actually use. Keep your usage to under 20% of your lim... |
If I have all this stock just sitting there, how can I lend it out to people for short selling? | Typically, as an individual, you can't just decide you want to lend out some securities. There is a lot of legalities that must take place in order to engage in such a transaction. It's a regulated industry and the contractual obligations that exist between borrower and seller are taken care of ahead of time by the bro... |
Mutual fund invests in mostly the same stuff as ETF, but has much higher expense ratio? (biotech sector) | Index funds, like IBB, generally lack active management, which equates to lower expenses. This is simply because the target index, the NASDAQ Biotechnology Index in the case of IBB, is composed of known quantities. This means there won't be stock pickers or analysts constantly swapping holdings, increasing the turnover... |
Is it possible for US retail forex traders to trade exotic currencies? | The vast majority of retail Forex brokers are market makers, rather than ECNs. With that said, the one that fits your description mostly closely is Interactive Brokers, is US-based, and well-respected. They have a good amount of exoitcs available. Many ECNs don't carry these because of the mere fact that they make mon... |
few question about debit credit and liabilities | Exactly what accounts are affected by any given transaction is not a fixed thing. Just for example, in a simple accounting system you might have one account for "stock on hand". In a more complex system you might have this broken out into many accounts for different types of stock, stock in different locations, etc. So... |
What effect would a company delisting from the LSE to move to china have on shareholders? | You would still be the legal owner of the shares, so you would almost certainly need to transfer them to a broker than supports the Hong Kong Stock Exchange (which allows you to trade on the Shanghai exchange). In order to delist they would need to go through a process which would include enabling shareholders to conti... |
Where can I find the current price to rent ratio of the locality of my interest? | Chris, this is an arbitrage question with a twist: you cannot treat the location you want to live objectively. For example, why not SoCal instead of Texas? Yes, SoCal's expensive but what if you account for the weather? This question is very interesting for me personally: something I am going to focus on myself, soon, ... |
I carelessly invested in a stock on a spike near the peak price. How can I salvage my investment? | You probably bought the stock near the peak because "it's been up a lot lately." That's the easiest way to lose money. You need to go back and do some basic research. The stock appears to have been expensive around 75. Why is that? The stock seems to be in a "comfortable" level around 45. Why is THAT? Maybe it's too ex... |
Is it okay to be married, 30 years old and have no retirement? | Yes, you should be saving for retirement. There are a million ideas out there on how much is a reasonable amount, but I think most advisor would say at least 6 to 10% of your income, which in your case is around $15,000 per year. You give amounts in dollars. Are you in the U.S.? If so, there are at least two very good ... |
Is legal sending dollars to someone in Mexico, and sending them back for profit? | It is certainly legal to transfer money between people, no matter how often, as long as the money is not originally from illegal sources. If you are gaining in the process, you need to pay taxes on your (net) gain, as on any income; but as always, taxed income is still income. Consider the accumulating transaction cost... |
High credit utilization, some high interest - but credit score not overly bad. How to attack debt in this situation? | The bottom line is you have an income problem. Your car payment seems very high relative to your income and your income is very low relative to your debt. Can you work extra jobs or start a small business to get that income up? In the US it would be fairly easy to work some part time jobs to get that income up abou... |
How do I adjust to a new social class? | Housing, eh? Housing costs are driven by salaries and land availability. Over in the Bay Area, $1500/mo for a nice 1-bedroom apartment is a good deal... but a decent software engineer with ~4 years' experience can get $120k, easily. The standard benchmark of affordability of housing is spending a third of your income o... |
Question about data from FTSE 100 | Open, high, low, close, volume. The hint is that volume on new years day is 0. DC's comment is actually a better answer than mine - when given any data set, you should really know the meaning of each cell/number. |
How can I help my friend change his saving habits? | Budgeting is the key. Saying that you need to eat out less and cook more is good, but ultimately difficult for some people, because it is very difficult to measure. How much eating out is too much? Instead, help him set up a monthly budget. Luckily, he's already got some built-in motivation: He's got a saving goal (tr... |
Transfer $70k from Wells Fargo (US) to my other account at a Credit Union bank | Making a payment of any amount is usually legal, although of course the specific circumstances matter, and I'm not qualified to give legal advice. Just had to throw in that disclaimer not because I think there's a problem here, but because it is impossible to give a definite answer to a legal question in a specific sit... |
Is there any circumstance in which it is necessary to mark extra payments on a loan as going to “principal and not interest”? | I had a car loan through GMAC and extra money was applied to future payments. At one point, I received a statement telling me I had 15 months until my next payment was due because I had not marked extra payments as going to principal. |
Pay for a cheap car or take out a loan? | If you buy a new car, the odds that it will require repairs are fairly low, and if it does, they should be covered by the warranty. If you buy a used car, there is a fair chance that it will need some sort of repairs, and there probably is no warranty. But think about how much repairs are likely to cost. A new car thes... |
What determines a tax resident in Florida | Plenty of retired people do stay in the US for longer than 60 days and don't pay taxes. In this IRS document 60 days stay appears to be the test for having a 'substantial presence' in the US, which is part of the test for determining residency. However the following is also written: Even if you meet the substantial pre... |
Should I buy ~$2200 of a hot stock or invest elsewhere? | Your debt is insane. Forget investing, pay off your debt. You owe 100% of your salary, with only one smallish asset (6K in the bank). Sure you have a car, but the value of the car is falling rapidly and can be taken to near zero by a simple accident. Once you have your debts paid off (or at least to a reasonable le... |
How to share income after marriage and kids? | What equal percentage of both you and your girlfriend's income will cover the essential household expenses? Although we earned different amounts, both of us turned over half our income over to the household. Between us this percentage slice from each of our earnings neatly covered all the essentials. The amounts cont... |
What is a “retail revolving account,” and does it improve my credit score? | To add to what others have said, INSTALLMENT CREDIT is a stronger factor when building credit. An installment credit is essentially a loan with a fixed repay amount such as a student loan and a car loan. Banks (when it comes to buying your first home) want to see that you are financially able to repay a big debt (car l... |
How can I determine which stores are regarded as supermarkets for a rewards credit card? | Each company that has an account with the credit card network has to classify themselves as a particular type of business. The credit card company uses that classification to catagorize the transaction on your statement. If you buy a T-shirt at a grocery, amusement park, gas station, or resturant; the transaction will... |
Why is there such disparity of max contribution limits between 401K accounts and regular IRA accounts? | IRAs were invented to help individuals save for retirement. 401(k)s were invented to help corporations provide more compensation to highly valued employees. |
Found an old un-cashed paycheck. How long is it good for? What to do if it's expired? | Look up escheatment. Companies that have unclaimed property are supposed to send it to your State government. They should have a unclaimed property department of some sort. In short, the company is going to have to pay either you, or your State (In Your Name) so they have to pay it either way. It would be easier for th... |
What is inflation? | Inflation refers to the money supply. Think of all money being air in a balloon. Inflation is what happens when you blow more air in the balloon. Deflation is what happens when you let air escape. Inflation may cause prices to go up. However there are many scenarios possible in which this does not happen. For example, ... |
what if a former employer contributes to my 401k in the year following my exit? | According to the IRS, you can still put money in your IRA. Here (https://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Retirement-Topics-IRA-Contribution-Limits) they say: Can I contribute to an IRA if I participate in a retirement plan at work? You can contribute to a traditional or Roth IRA whether or not y... |
ESPP cost basis and taxes | This answer fills in some of the details you are unsure about, since I'm further along than you. I bought the ESPP shares in 2012. I didn't sell immediately, but in 2015, so I qualify for the long-term capital gains rate. Here's how it was reported: The 15% discount was reported on a W2 as it was also mentioned twice... |
What should I do with $4,000 cash and High Interest Debt? | If we're including psychological considerations, then the question becomes much more complicated: will having a higher available credit increase the temptation to spend? Will eliminating 100% of a small debt provide more positive reinforcement than paying off 15% of a larger debt? Etc. If we're looking at the pure fina... |
What is the difference between fund and portfolio? | Oddly enough, in the USA, there are enough cost and tax savings between buy-and-hold of a static portfolio and buying into a fund that a few brokerages have sprung up around the concept, such as FolioFN, to make it easier for small investors to manage numerous small holdings via fractional shares and no commission wind... |
Protecting Gains: Buying a Put vs. Leveraged Bear Market vs. Liquidating Long Positions? | Buying a put is hedging. You won't lose as much if the market goes down, but you'll still lose capital: lower value of your long positions. Buying an ultrashort like QID is safer than shorting a stock because you don't have the unlimited losses you could have when you short a stock. It is volatile. It's not a whole ... |
Where do web sites get foreign exchange currency rate / quote information? | The prices quoted are for currency pairs traded on the foreign exchange market. For currencies traded on these exchanges, the exchange rates of a given currency pair are determined by the market, so supply and demand, investor confidence, etc. all play a role. EBS and Reuters are the two primary trading platforms in th... |
How much hassle is it inheriting shares? | If you prefer the stock rather than cash, you might find it easier to take the cash, report it, and then buy the same stock from within your own country. |
At what interest rate should debt be used as a tool? | This is a very interesting question. I'm going to attempt to answer it. Use debt to leverage investment. Historically, stock markets have returned 10% p.a., so today when interest rates are very low, and depending on which country you live in, you could theoretically borrow money at a very low interest rate and earn 10... |
Is there a rule that a merchant must identify themself when making a charge | In some case the customer wants the name to be cryptic or misleading. They don't want to advertise the true nature of the business they visited. In other cases the transaction may be reported through another business. A few years ago the local PTA was having a silent auction as a fundraiser. A local business allowed th... |
Best way to invest money as a 22 year old? | What is the goal of the money? If it is to use in the short term, like savings for a car or college, then stick it in the bank and use it for that purpose. If you really want this money to mean something, then in my opinion you have only one choice: Open a ROTH IRA with something like Vanguard or Fidelity and invest ... |
Should I be filling out form W-9 for somebody I sold used equipment to? | They are a business. You're not a corporation. They paid you more than $600 during the year, so they're supposed to send 1099 to you and the IRS about it. They need your taxpayer certification (W9) for that. They were supposed to ask for it before they paid you, but yes - they're supposed to ask for it. |
Where should I be investing my money? | Pay off your debt. As you witnessed, no "investment" % is guaranteed. But your debt payments are... so if you have cash, the best way to "invest" it is to pay off your debt. Since your car is depreciating while your house may be appreciating (don't know but it's possible) you should pay off your car loan first. You... |
What should I do with my paper financial documents? | I won't add to the timelines, as I agree or don't care but my two cents are |
Where to find the 5 or 10 year returns for a mutual fund? | Yahoo's primary business isn't providing mutual fund performance data. They aim to be convenient, but often leave something to be desired in terms of completeness. Try Morningstar instead. Their mission is investment research. Here's a link to Morningstar's data for the fund you specified. If you scroll down, you'll... |
What is a formula for calculating equity accumulated while repaying car loan? | By the sounds of things, you're not asking for a single formula but how to do the analysis... And for the record you're focusing on the wrong thing. You should be focusing on how much it costs to own your car during that time period, not your total equity. Formulas: I'm not sure how well you understand the nuts and b... |
Are bonds really a recession proof investment? | Bonds by themselves aren't recession proof. No investment is, and when a major crash (c.f. 2008) occurs, all investments will be to some extent at risk. However, bonds add a level of diversification to your investment portfolio that can make it much more stable even during downturns. Bonds do not move identically to t... |
If a stock doesn't pay dividends, then why is the stock worth anything? | Remember that long term appreciation has tax advantages over short-term dividends. If you buy shares of a company, never earn any dividends, and then sell the stock for a profit in 20 years, you've essentially deferred all of the capital gains taxes (and thus your money has compounded faster) for a 20 year period. For ... |
company market capitalization to total (annual) stock market capitalization | Market cap is speculative value, M = P * W, where W is stock (or other way of owning) percentage of ownership, P - price of percentage of ownership. This could include "outside of exchange" deals. Some funds could buy ownership percentage directly via partial ownership deal. That ownership is not stock, but fixed-type ... |
“No taxes to be paid with owning Berkshire” | It depends on your investment profile but basically, dividends increase your taxable income. Anyone making an income will effectively get 'lower returns' on their investments due to this effect. If you had the choice between identical shares that either give a dividend or don't, you'll find that stock that pays a divid... |
If something is coming into my account will it be debit or credit in my account? | It sounds like you're mixing a simple checkbook register with double-entry bookkeeping. Do you need a double-entry level of rigor? Otherwise, why not have two columns, one for income (like a paycheck) and one for expenses (like paying a cable bill)? Then add up both columns and then take the difference of the sums to ... |
How much does it cost to build a subdivision of houses on a large plot of land? | You can hire a builder to build for you on a lot that you would be happy to live on with utilities already connected. Subdividing a large piece of land gets a little more complicated. What easements exist, and what new easements would need to be created when connecting utilities? Would all of the lots already have stre... |
What is a good open source Windows finance software | You really shouldn't be using class tracking to keep business and personal operations separate. I'm pretty sure the IRS and courts frown upon this, and you're probably risking losing any limited liability you may have. And for keeping separate parts of the business separate, like say stores in a franchise, one approach... |
How (or is it necessary) to rebalance a 401k with only one index fund? | Rebalance is across asset-classes which are mutually independent [like stocks and bonds; they may be inversely correlated at times as when stocks go down, bonds go up] 80%-20% (stock-bond) split is good for a young investor [say in 30s, some suggest 110-age as a good stock allocation percentage]. Here rebalance is done... |
What makes an actual share valuable? [duplicate] | What benefit do I get from buying a share The value of any financial asset is its ability to generate cash in the future, and thus the "value" of a share is heavily influenced by the dividends it pays and the equity value. The equity value can be calculated different ways. Two common ways are to just take "book" value... |
Index ETF or Index mutual fund - standard brokerage account | The main difference between a mutual fund and an ETF are how they are bought and sold (from the investors perspective). An ETF is transacted on the open market. This means you normally can't buy partial shares with your initial investment. Having to transact on the open market also means you pay a market price. The mar... |
How to spend more? (AKA, how to avoid being a miser) | The key question is this - What brings you happiness? How much is this behavior actually making you miserable? It's possible, and important, to find balance between frugality and as you say, being a miser. It's also important to understand the diminishing return, and to value not just your hour of time but your happin... |
Does gold's value decrease over time due to the fact that it is being continuously mined? | As one can see here, the world population is growing. Assuming worldwide demand for gold is a function of population, the question you have to ask is whether gold mining outpaces population growth. Just eyeballing it, I'd say they're about even although annual production is far noisier. Keep in mind that gold extractio... |
What purchases, not counting real estate, will help me increase my cash flow? | Mutual funds can be relatively low risk and a good starting point. Really it depends on you. What are your goals? This is a pretty open ended question. These can all be low risk and provide some return. Note "Less Knowledge" is never a good qualifier for an investment. Your money is your business and you are entitled... |
Does high frequency trading (HFT) punish long-term investment? | Not really. High frequency traders affect mainly short term investors. If everyone invested long-term and traded infrequently, there would be no high frequency trading. For a long term investor, you by at X, hold for several years, and sell at Y. At worst, high frequency trading may affect "X" and "Y" by a few pennies ... |
Why do some online stores not ask for the 3-digit code on the back of my credit card? | The truth is that Visa does not require a merchant to enter the cvv number before authorizing a transaction. The only information that is really needed is the credit card number and expiration date. |
Which Earnings Figure for Graham's “Stock Selection for the Defensive Investor”? | In the Income Statement that you've linked to, look for the line labeled "Net Income". That's followed by a line labeled "Preferred Dividends", which is followed by "Income Available to Common Excl. Extra Items" and "Income Available to Common Incl. Extra Items". Those last two are the ones to look at. The key is that ... |
Why do 10 year-old luxury cars lose so much value? | +1 They are over priced to begin with - More specifically they are expensive to create exclusivity, which raises their value to people who value that kind of thing. Perhaps folks who buy those cars aren't buying them for value or quality or performance, but are buying them for the badge and the intangible factors. I f... |
What is the rationale behind stock markets retreating due to S&P having a negative outlook on the USA? | When people (even people in the media) say: "The stock market is up because of X" or "The stock market is down because of Y", they are often engaging in what Nicolas Taleb calls the narrative falacy. They see the market has moved in one direction or another, they open their newspaper, pick a headline that provides a pl... |
When should I walk away from my mortgage? | How much is rent in your area? You should compare a rental payment versus your mortgage payment now, bearing in mind the opportunity cost of the difference. Let's say that a rental unit in your area that has the same safety & convenience as your house costs $1600 per month to rent, and your mortgage is $2400. By stayin... |
Filing Taxes for Two Separate Jobs Being Worked at the Same Time? | Welcome to the wonderful but oft confusing world of self-employment. Your regular job will withhold income for you and give you a W2, which tells you and the government how much is withheld. At the end of the year uber will give you and the government a 1099-misc, which will tell you how much they paid you, but nothin... |
Does Tennessee have anything like a principal residence exemption? | There's no homestead property tax exemption in TN. According to the TN comptroller site: Exemptions Exemptions are available for religious, charitable, scientific, and nonprofit educational uses, governmental property, and cemeteries. Most nongovernmental exemptions require a one-time application and approval by ... |
Employer 401K thru Fidelity - Investment options | The target date investment will automatically reduce equity exposure and increase bond exposure as it approaches retirement date. If you are unlikely to make adjustments as you get older, you may be setting yourself up for more risk down the road. Only you can decide what level of risk you can tolerate as you chase h... |
Why do 10 year-old luxury cars lose so much value? | They are overpriced to begin with. One reason is the fact that they are luxury cars. A second, related reason, is that they tend to push the technology envelope. All cars depreciate drastically the minute they are driven off the lot. This a good argument for buying a car that is 1-2 years old. The higher you are,... |
Why is short-selling considered more “advanced” than a simple buy? | In addition to the higher risk as pointed out by @JamesRoth, you also need to consider that there are regulations against 'naked shorting' so you generally need to either own the security, or have someone that is willing to 'loan' the security to you in order to sell short. If you own a stock you are shorting, the IRS... |
Saving for a down payment on a new house, a few years out. Where do we put our money next? | Rewards cards charge the merchant more to process. So the card is making money when you use it. So if your concern is for the cards going away because they are losing money... That is not going to happen because you use it too much. If their business model has them losing money because they are giving away more rewa... |
What percent of a company are you buying when you purchase stock? | As you can see at https://www.google.com/finance?q=NASDAQ%3AAAPL the number of apple shares at this very moment is 5.25B, so if you have 1 share you own 1 / 5.25B of the company. |
Do banks give us interest even for the money that we only had briefly in our account? | Ditto @MichaelBorgwardt Just to get concrete: I just checked one bank in India and they say they are paying 4% on savings accounts. I don't know what you're getting or if 4% is typical in India, but it's at least an example. So if the bank pays interest based on average daily balance, and you left the money in the bank... |
Investing Account Options | Immediately move your Roth IRA out of Edward Jones and into a discount broker like Scottrade, Ameritrade, Fidelity, Vanguard, Schwab, or E-Trade. Edward Jones will be charging you a large fraction of your money (probably at least 1% explicitly and maybe another 1% in hidden-ish fees like the 12b-1). Don't give away s... |
How can I help my friend change his saving habits? | If he's not used to cooking, recipes might not be enough. Maybe he needs cooking lessons. I used to think if you could read, you could cook -- but I grew up "helping" my mom in the kitchen and in the process learning what all the instructions in cookbooks meant. But it also might just be force of habit, in which case a... |
Paying over the minimum mortgage payment | First off, putting extra cash toward a mortgage early on, when most of the payments are going to interest, is the BEST time. If you pay an extra $1 on your mortgage today, you will save 30 years worth of interest (assuming a 30 year mortgage). If in 29 years you pay an extra dollar, you will only save 1 year worth of ... |
Are there tax liabilities (in the US) for having a US bank account while I am abroad? | I don't think so in your case. Unless the account generates so much interest income that it became reportable (I don't know the exact limit, but I think it's in the hundreds if not thousands of dollars, you might get a 1099 form if it generates over $10 of interest income, but you don't have to file taxes if your overa... |
Optimal way to use a credit card to build better credit? | If you have self control and a good handle on your finances, which it sounds like - I suggest the following: Note: #3 is important - if you're not able to pay it off each month don't do this because it will cost you a lot in interest. Make sure to check how interest is calculated in case you don't pay it off in full or... |
Vanguard Target Retirement Fund vs. Similar ETF Distribution (w/ REIT) | It looks like an improvement to me, if for no other reason than lowering the expenses. But if you are around 35 years away from retirement you could consider eliminating all bond funds for now. They will pay better in a few years. And the stock market(s) will definitely go up more than bonds over the next 35 years. |
How can I trade in U.S stock exchange living in India by choosing the broker in U.S? | It is more easier if you select a Broker in India that would allow you these services. The reason being the broker in India will follow the required norms by India and allow you to invest without much hassel. Further as the institution would be in India, it would be more easy for resolving any disputes. ICICI Direct an... |
Are mutual funds a good choice for a medium to low risk investment with a two year horizon? | First, you don't state where you are and this is a rather global site. There are people from Canada, US, and many other countries here so "mutual funds" that mean one thing to you may be a bit different for someone in a foreign country for one point. Thanks for stating that point in a tag. Second, mutual funds are me... |
If a stock has only buyers and no sellers how does its price go up? | Depending on what currency the price is quoted in and is originally sold, currency fluctuation can also carry over onto the price in your currency. An example for that would be bitcoin prices which sometimes show heavy ups and downs in one currency, but seem totally stable in another and can be tracked back to changed ... |
Is it bad etiquette to use a credit or debit card to pay for single figure amounts at the POS | Intellectually and logically, it shouldn't bother me for a second to charge something for a buck. It's a losing proposition for the merchant, but their immediate business costs should be of little concern to me. (They're making a choice to sell that item to me at that price and by accepting that means of payment, rig... |
Personal finance software for Mac that can track stocks and mutual funds? (Even manual updating of share prices will do.) | Quicken for Mac will track stocks and mutual funds and allows you to set the "home" currency. |
Totally new to finance, economy, where should I start? | I'd start with learning how to read a company's financial statement and their annual report. I would recommend reading the following: All three books are cheap and readily available. If you really want to enhance your learning, grab a few annual reports from companies' websites to reference as you learn about different... |
Self-employed individual 401k self, match, and profit sharing contribution limits? | It seems I can make contributions as employee-elective, employer match, or profit sharing; yet they all end up in the same 401k from my money since I'm both the employer and employee in this situation. Correct. What does this mean for my allowed limits for each of the 3 types of contributions? Are all 3 types ded... |
Is it normal to think of money in different “contexts”? | All value given to products is subjective and is different from person to person. It can also vary for the same person from year to year, month to month, day to day, or even hour to hour as a person analyzes different products and prices to determine which imparts the most value to him or her at a given point in time.... |
Get free option quotes | In addition, since you asked for Montreal, you can get the quotes directly. http://www.m-x.ca/nego_cotes_en.php |
What is title insurance, and should I get title insurance for my home? | If or when you "own" your land outright you need to try and get the land patent on it. That is the supreme form of title to it. It goes back to when the land was acquired by the U.S. (from Britian, France, etc.) by treaty. Treaties trump even our Constitution. When you have a land patent.........IT'S YOURS! That link i... |
Will my wife's business losses offset my income on a joint tax return? | First, filing status. If you and your wife are legally married, you should be filing your tax returns as married, either jointly or separately. In the US, "head of household" has a specific meaning and is for unmarried people who are supporting one or more relatives, per the IRS. If you are working full-time and your w... |
What should I consider when factoring fluctuating exchange rates into risk/return of overseas stock trading? | Which of these two factors is likely to be more significant? There is long term trend that puts one favourable with other. .... I realise that I could just as easily have lost 5% on the LSE and made 5% back on the currency, leaving me with my original investment minus various fees; or to have lost 5% on both. Yes that... |
Freelancer in India working for Swiss Company | I have some more inputs to investigate: India has dual tax avoidance treaty signed with european countries so that NRIs dont pay tax in both countries. Please check if India has some agreement with Swiss Also for freelance job that is delivered from India, u need to make sure where you have to pay taxes as you are stil... |
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