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Can someone help me understand my student loans? | First to actually answer the question "how long at these rates/payments?"- These is nothing magic or nefarious about what the bank is doing. They add accrued interest and take your payment off the new total. I'd make higher payments to the 8.75% debt until it's gone, $100/mo extra and be done. The first debt, if you ... |
Canadian accepting money electronically from Americans | I am not aware of a version of Interac available in the U.S., but there are alternative ways to receive money: Cheque. The problem with mailed cheques is that they take time to deliver, and time to clear. If you ship your wares before the cheque has cleared and the cheque is bad, you're out the merchandise. COD. How th... |
Car Loan upside down--refinance before selling? | As for refinancing: Many institutions charge up-front fees when doing any type of vehicle loan. Typically this is in the neighborhood of 1% the value of the loan, with a floor of $100 (although this may vary by lender). However, for the loan the be secured by the vehicle, the principle value must be less than the colla... |
Pros & cons of investing in gold vs. platinum? | @Michael Kjörling answered why platinum is in demand like it is. But it missed some of the significant risks so I will address some of them. Platinum is much more rare than gold. But not because there is less platinum than gold just that the known existing platinum veins are smaller and more disbursed. So if a larg... |
In US, is it a good idea to hire a tax consultant for doing taxes? | Good professional tax advice is expensive. If your situation is simple, then paying someone doesn't give you more than you could get from a simple software package. In this case, doing your own taxes will save you money this year, and also help you next year, as your situation grows steadily more complex. If you don't... |
What is the meaning of “writing put options”? | Write means sell to open. It is called that because options writers are creating (i.e. writing) new contracts. No such thing as "reading" an option. |
What's “wrong” with taking money from your own business? | I'm no expert on this, but I would say that, if you own the business entirely yourself, there is nothing terribly wrong with using it for your own purposes as you would any other asset that you own. What is wrong is not keeping accurate records that distinguish between your money and the business's. As you say, this ... |
what does “private equity structures” mean? | Private equity firms have a unique structure: The general partners (GP's) of the firm create funds and manage the investments of those funds. Limited partners (LP's) contribute the capital to the funds, pay fees to the GP's, and then make money when the funds' assets grow. I believe the article is saying that ultra hi... |
How might trading volume affect future share price? | As said previously, most of the time volume does not affect stock prices, except with penny stocks. These stocks typically have a small volume in the 3 or 4 figure range and because of this they typically experience very sharp rises and drops in stock prices, contrasting normal stocks that go up and down constantly eve... |
What makes a Company's Stock prices go up or down? | I always liked the answer that in the short term, the market is a voting machine and in the long term the market is a weighing machine. People can "vote" a stock up or down in the short term. In the long term, typically, the intrinsic value of a company will be reflected in the price. It's a rule of thumb, not perfec... |
What governs the shape of price history graphs? | Let me see if I can restate your question: are speculative investments more volatile (subject to greater spikes and drops in pricing) than are more long-term investments which are defined by the predictability of their dividend returns? The short answer is: yes. However, where it gets complicated is in deciding whethe... |
Market Hours and Valuations | Company values (and thus stock prices) rely on a much larger time frame than "a weekend". First, markets are not efficient enough to know what a companies sales were over the past 2-3 days (many companies do not even know that for several weeks). They look at performance over quarters and years to determine the "valu... |
Why does a ETN that is supposed to track Crude Oil like UWTI show constant decline every year? And am I an idiot for investing in it? | After looking at both S&P GSCI Crude Oil Index Excess Return (INDEXSP:SPGSCLP) and CS VS 3x LC ETN NYSEARCA: UWTI they seem to track well (using Google Finance). I'm not seeing where your statement this ETN loses whether oil is gaining or not holds true. Both have posted a year-over-year loss. In the past year the ... |
Are there any disadvantages to DHA Investment Properties? | Well, I am an investor/ Lessor under DHA properties. Oflate, DHA lost it identity as a Govt agency and try to imitate a worst (not the best) real eastate agent. Every year rental valuation is a drama or waste of time and money to lessor. They pull down the rent by 10 to 22% and ask for a secondary valuation for no reas... |
Why should I choose a business checking account instead of a personal account? | Some benefits of having a business checking account (versus a personal checking account) are: The first 3 should be pretty easy to determine if they are important to you. #4 is a little more abstract, though I see you have an LLC taxed as a sole proprietorship, and so I'm guessing protecting your personal assets may ha... |
Can a company charge you for services never requested or received? | I have had a couple of businesses do this to me. I simply ask them to come over to talk about the bill. Sometimes this ends it. If they come over then I call the cops to file a report on fraud. A lot of times the police will do nothing unless they have had a load of complaints but it certainly gets the company off ... |
How to protect a Stock you still want to own from a downturn? | Of the two, an option is a more reliable but more expensive means to get rid of a stock. As sdg said, a put option is basically an insurance policy on the stock; you pay a certain price for the contract itself, which locks in a sale price up to a particular future date. If the stock depreciates significantly, you exerc... |
Does getting a 1099 from another state count as working in another state if I was physically in my home state? | You might need to check yes... but I would check out New York's nonresident income tax requirements... My guess is yes if you meet the requirements, but I am not an expert nor do I work in the accounting or legal field. Check out New York's nonresident tax page explaination |
The formula equivalent of EBITDA for personal finance? | This should not be taken to be financial advice or guidance. My opinions are my own and do not represent professional advice or consultation on my part or that my employer. Now that we have that clear... Your idea is a very good one. I'm not sure about the benefits of a EBITDA for personal financial planning (or for f... |
Where do countries / national governments borrow money from? | There no legal framework that allows states like the US or countries in Europe to default on their debt. Should congress pass a law to default the US supreme court is likely to nullify the law. |
250k USD in savings. What's next? | A good answer to the question really depends on where you want to live, ultimately. Where you want to live pretty much dictates your investment priorities. If you want to invest in "terrain" so you can build a house next to all the "cool," people in Guayaquil that should be your first priority. Your new wife may have a... |
Transferring money from 403B to 401K? | You can move money from a 403b to a 401k plan, but the question you should ask yourself is whether it is a wise decision. Unless there are specific reasons for wanting to invest in your new employer's 401k (e.g. you can buy your employer's stock at discounted rates within the 401k, and this is a good investment accordi... |
What things are important to consider when investing in one's company stock? | Check how long you have to hold the stock after buying it. If you can sell reasonably soon and your company is reasonably stable, you're unlikely to lose and/or be taxed and/or pay enough in fees to lose more than the 30% "free money" they're giving you. Whether you hold it longer than the minimum time depends partly ... |
Who determines, and how, the composition of the S&P 500 index? | The S&P 500 index is maintained by S&P Dow Jones Indices, a division of McGraw Hill Financial. Changes to the index are made periodically, as needed. For Facebook, you'll find it mentioned in this December 11, 2013 press release (PDF). Quote: New York, NY, December 11 , 2013 – S&P Dow Jones Indices will make the foll... |
Deductible expenses paid with credit card: In which tax year would they fall? | I'm a CPA and former IRS agent and manager. Whether you are a cash or accrual basis taxpayer, you get to deduct the expense when your card is charged. Think of it this way: You are borrowing from the credit card company or bank that issued the credit card. You take that money to make a purchase of a product or service.... |
Why are Rausch Coleman houses so cheap? Is it because they don't have gas? | They are cheap because they are made from cheap material. All the homes in my addition are Ruasch Coleman and a lot of them are having issues (Oklahoma). Several are around 5 years old and have already had to get new roofs. On our neighborhood FB page there have been complaints with the plumbing system and flooding ... |
Placing limit order and stop loss on same stock at same time | if it opens below my limit order What exactly are you trying to achieve here? If your limit order is for 100 and the stock opens "below" your limit order, say 99, then it is obviously going to buy it automatically. also place a stop loss on the same order Most brokers allow limit + stop loss order at the same time o... |
What is the best way to invest in gold as a hedge against inflation without having to hold physical gold? | Since GLD is priced as 1/10 oz of gold, I'd call it the preferred way to buy if that's your desire. I believe gold is entering classic bubble territory. Caveat emptor. A comment brought me back to this question. My answer still applies, the ETF the best way to buy gold at the lowest transaction cost. The day I posted ... |
Is the need to issue bonds a telltale sign that the company would have a hard time paying coupons? | Apple is currently the most valuable company in the world by market capitalisation and it has issued bonds for instance. Amazon have also issued bonds in the past as have Google. One of many reasons companies may issue bonds is to reduce their tax bill. If a company is a multinational it may have foreign earnings that ... |
How can I figure out how a stock's price would change after I buy shares? | Stock price is based on supply and demand. Unless the stock you are looking to buy usually has very low volume trading 100 shares isn't likely to have any effect on price. There are many companies that have millions or tens of millions of shares trade daily. For stocks like that 100 shares is barely a trivial percentag... |
Is it possible as a non-Indian citizen to create an Indian bank account (denominated in rupees) that can exchange & repatriate its funds? | No, in your situation it is not possible. Mostly, only three types of accounts are available to individuals: So, a complete foreigner can open account in India, only if he is working in India, a type of Savings account, and that account too will be linked to his resident status. If he leaves work, he needs to close thi... |
What is buying pressure? | Buying pressure is when there are more buy orders than sell orders outstanding. Just because someone wants to buy a stock doesn't mean there's a seller ready to fill that order. When there's buying pressure, stock prices rise. When there's selling pressure, stock prices fall. There can be high volume where buying an... |
Is foreign stock considered more risky than local stock and why? | The value of a foreign stock is subject to fluctuations in the foreign currency value; this is not the case for domestic stocks. |
Pros and Cons of Interest Only Loans | The advantage of interest only mortgages is that they can increase your cashflow as you are only paying the interest and not any part of the principle. We have most of our investment loans on interest only for 10 years. When we got the loans about 6 to 7 years ago our LVR was only 60% and the property prices have incre... |
ETF's for early retirement strategy | This is the chart going back to the first full year of this fund. To answer your question - yes, a low cost ETF or Mutual fund is fine. Why not go right to an S&P index? VOO has a .05% expense. Why attracted you to a choice that lagged the S&P by $18,000 over this 21 year period? (And yes, past performance, yada, yad... |
Auto Insurance: Adding another car to the existing policy (GEICO) | tl;dr: Call them. I'd be very surprised if you have a problem. I used to have have a policy with Geico, and would pay for my car insurance 6 months at a time. About 2 months into my last period, I purchased a house. Unfortunately, Geico didn't offer homeowners insurance in my state, so I ended switching to another comp... |
ISA - intra year profits and switching process | An ISA is a much simpler thing than I suspect you think it is. It is a wrapper or envelope, and the point of it is that HMRC does not care what happens inside the envelope, or even about extractions of funds from the envelope; they only care about insertions of funds into the envelope. It is these insertions that are l... |
How important is disability insurance, e.g. long-term, LTD? Employer offers none | (Oops - I had been meaning to come back to this Q. sooner. Just saw my reminder, so here goes.) Shortly before this question was asked, I actually read a good blog post on the subject of disability insurance at Evolution of Wealth - 7 Ways Your Group Disability Will Fail. I know the OP doesn't have group disability (a... |
Comparing keeping old car vs. a new car lease | Regarding the opportunity cost comparison, consider the following two scenarios assuming a three-year lease: Option A: Keep your current car for three years In this scenario, you start with a car that's worth $10,000 and end with a car that's worth $7,000 after three years. Option B: Sell your current car, invest proce... |
Should I charge my children interest when they borrow money? | Because this is Money.SE and you're connecting it to offspring, I'd think about a discussion with them to get their agreements. From my perspective, anything (my wife and) I have will go to offspring in the end. As such, everything borrowed and not repaid simply reduces the estate by that much. Among multiple offspring... |
Why don't banks print their own paper money / bank notes? | There is absolutely no logical reason why each nation does not own and control banking and thus the supply of money. Any system including the financial system works exactly the same way, regardless of ownership. Banking depends solely on the confidence of the customers/investors. Therefore when a sovereign nation/sta... |
What can a CPA do that an EA cannot, and vice versa? | Enrolled Agents typically specialize only in tax matters. Their status allows them to represent clients before the IRS (which a CPA can also do) See the IRS site regarding Enrolled Agents Their focus is much narrower than a CPA and you would only hire them for advice or representation with tax related matters. (e.g. ... |
Why is a stock that pays a dividend preferrable to one that doesn't? | Dividend paying stocks are not "better" In particular shareholders will get taxed on the distribution while the company can most likely invest the money tax free in their operations. The shareholder then has the opportunity to decide when to pay the taxes when they sell their shares. Companies pay dividends for a c... |
How can I deal with a spouse who compulsively spends? | Perhaps it seems harsh, but I would get separate accounts: credit cards, savings, retirement, all the way down the line. Your only joint account should be for paying mortgage/rent and other bills. And as another poster said, delete all your saved info from browsers &c. Perhaps you even need to set up separate user i... |
Is being a landlord a good idea? Is there a lot of risk? | Buying a property and renting it out can be a good investment if it matches your long term goals. Buying an investment property is a long term investment. A large chunk of your money will be tied up with the property and difficult to access. If you put your money into dividend producing stocks you can always sell th... |
Paid credit card bill, but money didn't leave my checking account [duplicate] | This is normal for credit cards. As long as you make the credit card company's cutoff time, they will make the funds available on your credit card rather than make you wait for them to actually get the funds from your bank. The amount of time this takes actually can vary significantly from bank to bank. You do want to... |
Is there any flaw in this investment scheme? | The process of borrowing shares and selling them is called shorting a stock, or "going short." When you use money to buy shares, it is called "going long." In general, your strategy of going long and short in the same stock in the same amounts does not gain you anything. Let's look at your two scenarios to see why. W... |
Does this sound like a great idea regarding being a landlord and starting a real estate empire? | This is a reasonable idea and many people have done it. But there are some risks that you need to mitigate. This is a viable business model, but it is a business and you need to treat it as such and expect to work quite hard at it. |
Townhouse or stand-alone house for a first home? | Houses tend to appreciate more than condos. Houses are also more expensive. So it's a choice. You mention your girlfriend will be buying it with you. Take the time now to decide what will happen if you split up and put it in writing. Are you splitting the downpayment and mortgage 50/50? If not things can get complicate... |
What gives non-dividend stocks value to purchasers? [duplicate] | Dividends are not fixed. A profitable company which is rapidly expanding, and thus cash-strapped may very well skip dividends, yet that same fast growth makes it valuable. When markets saturate, and expansion stops, the same company may now have a large free cash flow so it can pay dividends. |
New car cash vs finance | The question is about the dealer, right? The dealer isn't providing this financing to you, Alfa is, and they're paying the dealer that same "On the Road" price when you finance the purchase. So the dealer gets the same amount either way. The financing, through Alfa, means your payments go to Alfa. And they're willin... |
Using 2 different social security numbers | Social security number should only be needed for things that involve tax withholding or tax payment. Your bank or investment broker, and your employer, need it so they can report your earnings. You need it when filing tax forms. Other than those, nobody should really be asking you for it. The gym had absolutely no goo... |
What are the downsides that prevent more people from working in high-income countries, and then retiring in low-income (and cost of living) ones? | I was at a restaurant in NYC, 1st Avenue and 63rd street. I don't recall how the conversation started, but the woman at the next table remarked how none of her friends from the West side, 9th avenue or thereabout, would visit her. Less than 2 miles away, yet in their minds, too far. Your question isn't likely to be ans... |
Can dues and subscriptions expenses be deducted 100% to calculate taxable income in an LLC company? | IRS Publication 529 is the go-to document. Without being a tax professional, I'd say if the dues and subscriptions help you in the running of your business, then they're deductible. You're on your own if you take my advice (or don't). ;) |
When do I sell a stock that I hold as a long-term position? | The psychology of investing is fascinating. I buy a stock that's out of favor at $10, and sell half at a 400% profit, $50/share. Then another half at $100, figuring you don't ever lose taking a profit. Now my Apple shares are over $500, but I only have 100. The $10 purchase was risky as Apple pre-iPod wasn't a company ... |
Why would analysts recommend buying companies with negative net income? | Companies in their earliest stages will likely not have profits but do have the potential for profits. Thus, there can be those that choose to invest in companies that require capital to stay in business that have the potential to make money. Venture Capital would be the concept here that goes along with John Bensin's... |
What's the catch with biweekly mortgage payments? | Another thing to consider is that paying extra principal (either via one of these services, or by including something extra with your normal mortgage payment and designating that it go to principal rather than be held to reduce next month's payment, or just sending an additional payment to the bank and designating it a... |
Buying a house, how much should my down payment be? | Mortgage qualification is typically done based on pretax income. To keep the math easy, let's assume $10K/month gross. A well written loan allows 28% or $2800 to be used for the mortgage and property tax. Property tax varies, but 1% is the average of the 2 states mentioned. This results in $7500/yr property or $625/mo... |
Can my spouse be the primary signer on my car's loan? | If your spouse wishes to buy a car and finance it with a car loan, they are free to do so. Once they have bought a car, they are free to let you use it. However, if you are the owner of the car, the loan is going to have to be in your name. Your spouse can't get a loan backed by an asset they don't own. They could get ... |
What is the next step to collect money after a judgment has been ignored? | On the off chance that your indebted person is unwilling to pay and you know they have the methods, it's a great opportunity to utilize your neighborhood sheriff. You have three alternatives to gather: a bank exact, wage garnishment, or a land lien. It sounds like you'll have to contact your nearby police/sheriff's sp... |
Where can I trade FX spot options, other than saxobank.com? | You can trade currency ETF options on IB. It is SIPC insured; the options are just like vanilla options in Saxo. |
Do I purchase stocks or not? | You didn't give enough information. What is your goal? What is your financial situation? A discount to buy company stock can seem very tempting. I was tempted by it myself, gee, almost 20 years ago. I still own some of the stock. But I held mutual funds first. There are two disadvantages that have disuaded me fr... |
Is trading stocks easier than trading commodities? | There are a number of ways trading stocks is easier than commodities: But the main and most important reason is that over long periods stocks in general will tend to outperform inflation as you are investing money in enterprises that generally try to become more productive over time. Whereas commodities in the long te... |
What evidence exists for claiming that you cannot beat the market? | Will the investor beat the benchmark for a given period will follow a Bernoulli distribution -- each period is a coin toss, and heads mean the investor beat the market for that period. I can't prove the negative that there is no investor ever whose probability function p = 1, but you can statistically expect a number... |
Minor stakes bought at a premium & valuation for target company | Imagine that I own 10% of a company, and yesterday my portion was valued at $1 Million, therefore the company is valued at $10 Million. Today the company accepts an offer to sell 1% of the company for $500 Thousand: now my portion is worth $5 Million, and company is worth $50 Million. The latest stock price sets the v... |
Should I have a higher credit limit on my credit card? | I'm the contrarian on this forum. Since you asked a "should I ..." question, I'm free to answer "No, you shouldn't increase your limit. Instead, you should close it out". A credit card is a money pump - it pumps money from your account to the bank's profit margins. When I look at my furniture and the bank's furniture, ... |
Why is it possible to just take out a ton of credit cards, max them out and default in 7 years? | It may become difficult to rent a car or a hotel room. It may affect your ability to get a job. Some employers now check credit reports and disqualify candidates with a poor credit report. It may affect your ability to get a security clearance or professional bonding. It may affect your ability to find housing. Many la... |
Is it worth investing in Index Fund, Bond Index Fund and Gold at the same time? | Taking into account that you are in Cyprus, a Euro country, you should not invest in USD as the USA and China are starting a currency war that will benefit the Euro. Meaning, if you buy USD today, they will be worth less in a couple of months. As for the way of investing your money. Look at it like a boat race, startin... |
Why deep in the money options have very low liquidity | One reason might be the 100% margin requirement on long options. Suppose I want to go long AAPL. I could get a deep ITM call or buy shares. $12,700 for 100 shares, with it's 25% margin requirement is like around $3200 locked up cash. Combine with a deep OTM Jan 2017 $70 strike put for $188, would give a $3400 margi... |
The Benefits/Disadvantages of using a credit card | Everyone else seems to have focused (rightly so) on the negatives of credit cards (high interest rates) and why it is important to pay them off before interest starts accruing. Only Marin's answer briefly touched on rewards. To me, this is the real purpose of credit cards in today's age. Most good rewards cards can g... |
Ideas on how to invest a relatively small amount of British pounds | First I assume you are resident for tax purposes in the UK? 1 Put 2000 in a cash ISA as an emergency fund. 2 Buy shares in 2 or 3 of the big generalist Investment trusts as they have low charges and long track records – unless your a higher rate tax payer don’t buy the shares inside the ISA its not worth it You cou... |
How does a tax exemption for an action = penalty for inaction? | What it means is that you can always come up with alternative framings where the difference between two options is stated as a gain or a loss, but the effect is the same in either case. For instance, if I offer to sell a T-shirt for $10 and offer a cash discount of $1, you pay $10 if buying with a credit card or $9 if... |
Why does my car loan interest go up despite making payments on-time? | Interest is calculated daily. Doing the math: Between 6-17 and 7-25 are 38 days, 200.29 / 38 = 5.27 interest per day. Between 7-25 and 8-17 are 23 days. 120.02 / 23 = 5.22 interest per day. The minimal difference is because the principal has already gone down a little bit. So you should expect ~5.20 x number of days fo... |
Choosing which ESPP stocks to sell? | the difference would be taxes... Lets say you have two lots, one with a 10 dollar gain, and one with a 20 dollar gain. And lets say you decide to sell one lot this year, and the other lot in 10 years. AND, lets say that it turns out the stock price is exactly the same in ten years as it is when you sell the first lo... |
Why use accounting software like Quickbooks instead of Excel spreadsheets? | I would add to your reasons: Would you mow an entire lawn with a string trimmer just because you can, or would you buy a lawnmower? Use the right tool for the job. |
Receive credit card payment sending my customer details to a credit card processing company? | Yes, there are a bunch. I have used Paypal and it worked quite nicely. I see endless ads these days for Square, a tiny card reader that you plug into a smartphone that lets you swipe the card. (With Paypal you have to type in the credit card number.) |
Buying a house for a shorter term | If there are a lot of houses for sale, can you be sure that in a year or two you can sell yours? How long does the average house in that area stay on the market before it is sold? What percentage of houses never get sold? If it can't be sold due to the crowded market you will be forced to rent the house. The question ... |
Should I sell my individual stocks and buy a mutual fund | I would normally take a cautious, "it depends" approach to answering a question like this, but instead I'm going to give you a blunt opinionated answer based solely on what I would do: Even the crap. Get rid of them and get into the boring low fee mutual funds. I was in a similar situation a few years ago, almost. My ... |
Complete Opposite Calculations and Opinions - Using Loan to Invest - Paying Monthly Installments with Monthly Income | The advice you were given in the other question was don't do it. The math is not the issue. The interest structure is not the issue. But there is a significant chance that you could lose money on the deal. If you invested your money in a NASDAQ heavy position in January 2000, you are still waiting to break even in Nove... |
How can I determine if leaving a lower paying, tax advantaged, job for a higher paying one makes sense financially? | You'd be moving from 33.5K of taxable income + 16.5K of untaxable income, to 65K of taxable income (worst case). So the question is whether the net from the extra 31.5K of taxable income is more than the 16.5K, and since marginal tax rates in the relevant brackets are no more than 32% according to the table you posted ... |
How best to grow my small amount of money starting at a young age? [duplicate] | while not stated, if you have any debt at all, use the $3000 to pay it off. That's the best investment in the short term. No risk and guaranteed reward. College can invite all sorts of unexpected expenses and opportunities, so stay liquid, protect working capital. |
Meaning of “credit” | You're looking at the "wrong" credit. Here's the Wikipedia article about the bookkeeping (vs the Finance, that you've quoted) term. |
When shorting a stock, do you pay current market price or the best (lowest) available ask price? | I would never use a market order. Some brokerages have an approval process your short-sale goes through before going to market. This can take some time. So the market prices may well be quite different later. Some brokerages use a separate account for short sales, so you must get their approval for the account befor... |
Buying a home - brokerage fee | I feel like you didn't actually read your agent's agreement, which should say where the money actually comes from. You sign it so that your agent can get paid by the listing agency from the net brokerage fees which the buyer pays. In the United States, "real estate agents are prohibited from being paid a commission dir... |
What are the ramifications of lawsuits over “breaches of fiduciary duty” for the average shareholder? | As an investor, I try to interpret the suits as an attempt to in some way influence the actions of the company - and not, usually, as a serious legal threat (or as likely to lead to serious legal consequences). My (shallow) understanding (as a non-lawyer) is that the requirements for a lawsuit to be filed as class-acti... |
When paying estimated quarterly taxes, can I prorate the amount based on the irregular payment due dates? | Varying the amount to reflect income during the quarter is entirely legitimate -- consider someone like a salesman whose income is partly driven by commissions, and who therefore can't predict the total. The payments are quarterly precisely so you can base them on actual results. Having said that, I suspect that as lo... |
Where can I find announcements of official GDP figures for the US and other countries? | For immediate availability, by far the fastest (and cheapest) way to get macroeconomic figures as they are released, is by following (verified) Twitter accounts of the respective Central bank and institutions alike. Indeed, Twitter is the new trader tape. |
Why aren't bond mutual funds seeing huge selloffs now? | The Fed sets the overnight borrowing costs by setting its overnight target rate. The markets determine the rates at which the treasury can borrow through the issuance of bonds. The Fed's actions will certainly influence the price of very short term bonds, but the Fed's influence on anything other than very short term ... |
Will I have to pay taxes for Australia if I have an Australian bank account? | If you are a resident of New Zealand for tax purposes, you will be taxed in New Zealand on all of your "worldwide income". This is income derived from New Zealand as well as income derived from all other countries Source: http://www.ird.govt.nz/international/nzwithos/income/overseas-income-index.html Another link that ... |
Tax benefits to buying stocks on Dec 31 vs. one day later? | For a long term gain you must hold the stock a year and a day, so, the long term hold period will fall into 2015 regardless. This is the only tax related issue that occurs to me, did you have something else in mind? Welcome to Money.SE. |
When looking at a mutual fund, how can you tell if it is a traditional fund or an ETF? | An Exchange-Traded Fund (ETF) is a special type of mutual fund that is traded on the stock exchange like a stock. To invest, you buy it through a stock broker, just as you would if you were buying an individual stock. When looking at a mutual fund based in the U.S., the easiest way to tell whether or not it is an ETF ... |
What tax rules apply to selling of digital goods, specifically in-game currencies? | Believe it or not, unless you directly contact an accountant with experience in this field or a lawyer, you may have a tough time getting a direct answer from a reputable source. The reason is two fold. First, legally defining in-game assets is exceptionally difficult from a legal/taxation stand point. Who really ow... |
Buying from an aggressive salesperson | As described by the other answers, there are pretty harmless explanations for that behaviour. You could be slightly worried because he gave you exceptionally good deals for both instruments, but that's neither here nor there. Maybe he simply prices all items way up to be able to give a great discount on either sale. Yo... |
Is candlestick charting an effective trading tool in timing the markets? | Candlesticks and TA are a relic of pre-computer trading, period. Market makers use sophisticated algorithms not for trading, but manipulations. |
Indian equivalent of Vanguard S&P 500 | Also, when they mean SP500 fund - it means that fund which invests in the top 500 companies in the SP Index, is my understanding correct? Yes that is right. In reality they may not be able to invest in all 500 companies in same proportion, but is reflective of the composition. I wanted to know whether India also has a ... |
Are junk bonds advisable to be inside a bond portfolio that has the objective of generating stable income for a retiree? | I let someone else pick and chose which junk bonds to buy and which to sell. So instead of holding individual bonds in my portfolio I hold an ETF that is managed by a man with a PHD and which buys junk bonds. I get a yearly 15.5% ROI, paid monthly. Buy and hold and you can get a good return for the rest of your life... |
Stocks and Bonds in Roth IRA vs non-tax-advantaged | You should definitely favor holding bonds in tax-advantaged accounts, because bonds are not tax-efficient. The reason is that more of their value comes in the form of regular, periodic distributions, rather than an increase in value as is the case with stocks or stock funds. With stocks, you can choose to realize all t... |
Can I write off (deduct) expenses in a period where my corporation makes no money? | Your corporation would file a corporate income tax return on an annual basis. One single month of no revenue doesn't mean much in that annual scheme of things. Total annual revenue and total annual expenses are what impact the results. In other words, yes, your corporation can book revenues in (say) 11 of 12 months of ... |
How smart is it to really be 100% debt free? | 100% debt free is an objective. Being there is good, but as long as you have a plan to get there, are sticking to it and it's moving you towards it at a reasonable rate (e.g. "I will be debt free by the end of 2011."), you should be in good shape. It's when you don't ever expect to be debt free that you have a problem.... |
Taxing GoFundMe Donations | To echo part of stannius' response. If it's taxable, there would be tax on $19,999, just a bit less than on $20,000. Your uncle may have a credential, and members here may not, but still he may be mistaken. Or he could be giving you advice on how to skirt the law. The taxability and the $20,000 threshold are unrelated... |
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