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If the U.S. defaults on its debt, what will happen to my bank money? | I have been through default in Ukraine august 1998. That was a real nightmare. The financial system stopped working properly for 1 month, about 30% of businesses went bankrupt because of chain effect, significant inflation and devaluation of currency. So, it is better to be prepared, because this type of processes resu... |
How can contractors recoup taxation-related expenses? | Anything is negotiable. Clearly in the current draft of the contract the company isn't going to calculate or withhold taxes on your behalf - that is your responsibility. But if you want to calculate taxes yourself, and break out the fees you are receiving into several "buckets" on the invoice, the company might agree ... |
What can we conclude/learn from inst. own %? | There are a LOT of reasons why institutional investors would own a company's stock (especially a lot of it). Some can be: The company is in one of the indices, especially big ones. Many asset management companies have funds that are either passive (track index) or more-or-less closely adhere to a benchmark, with the be... |
Why would anyone want to pay off their debts in a way other than “highest interest” first? | Very good Ben, in a more simplistic form: If debt was about math only, we would not have payday lenders, 21% + credit cards, or sub-prime car loans. Yet these things are prevalent. Debt reduction is often about behavior modification. As such small wins are necessary to keep going much like a 12 step program; or, gam... |
What are the benefits of opening an IRA in an unstable/uncertain economy? | Even Gold lost 1/2 of it's value between 1980 and 2000. You would not have fared well if you retired during that period heavily invested in Gold. http://www.usagold.com/reference/prices/history.html You said yourself that one can not foresee what the future will bring. At least IRA's force you to into dollar cost ave... |
Do online repositories of publicly traded companies' financial statements exist? | You can use the Securities Exchange Commission's EDGAR search engine to search all available SEC related filings. https://www.sec.gov/edgar/searchedgar/companysearch.html Top tip: use the fast search on the right to search for the company ticker rather than by company name. |
Is there a standard check format in the USA? | Nope, anything is that has the required information is fine. At a minimum you need to have the routing number, account number, amount, "pay to" line and a signature. The only laws are that it can't be written on anything illegal, like human skin, and it has to be portable, not carved on the side of a building ( for ex... |
How could USA defaulting on its public debt influence the stock/bond market? | This is a speculative question and there's no "correct" answer, but there are definitely some highly likely outcomes. Let's assume that the United States defaults on it's debt. It can be guaranteed that it will lose its AAA rating. Although we don't know what it will drop to, we know it WILL be AA or lower. A triple-A... |
How to invest Rs.10k in India | Rs 10,000 is a small but good amount to begin with. I would suggest you start by investing in some good mutual funds. Do some research, a balance mutual fund is less risky less returns compared to a equity mutual fund. The other option is directly investing in stock market, however this needs some experience and you wo... |
How do I handle taxes on a very large “gift” from my employers? | You should be aware that the IRS considers all gifts of cash or cash equivalents from an employer (the partnership in this case) to an employee (your husband in this case) to be wages, regardless of what the transfer is called by either party, or how it is transferred. I'd strongly recommend that you review IRS publica... |
What is the difference between “good debt” vs. “bad debt”? | The word "good" was used in contrast to "bad" but these words are misused here. There are three kinds of debt: Debt for spending. Never go into debt to buy consumables, go out for a good time, for vacations, or other purchases with no lasting financial value. Debt for depreciating assets, such as cars and sometimes th... |
Why are capital gains taxed at a lower rate than normal income? | To me, the lower tax rate for capital gains is largely due to governments encouraging economic activity. Note that investments usually come from your normal income, which is already taxed. Capital gains tax is essentially punishing people who take the extra effort to put their money into work. If the tax rate is high, ... |
Can dividends be exploited? | In an ideal world Say on 24th July the share price of Apple was $600. Everyone knows that they will get the $ 2.65 on 16th August. There is not other news that is affecting the price. You want to go in and buy the shares on 16th Morning at $600 and then sell it on 17th August at $600. Now in this process you have earne... |
Tax benefits of recycling | They are certainly only suggesting that the money you pay to recycle the bulbs is tax deductible as a donation, assuming that they are indeed a 501(c)(3) non-profit. Donations of goods are only deductible at fair market value. Light bulbs that no longer light up have no market value, so only the payment could possibly ... |
Shorting Obvious Pump and Dump Penny Stocks | Assuming you have no non-public material information, it should be perfectly legal. I suspect it's not a great idea for the reasons that Joe outlined, but it should be legal. |
Should I open a credit card when I turn 18 just to start a credit score? | I will disagree with the other answers. The idea that there is some to establish a "credit history" is largely a myth propagated by loaners who see it as positive propaganda to increase the numbers of their prospective customers. You will find some people who claim they were rejected for a card because they had no "cre... |
Formula for recalculation of a bad loan, i.e. where payments were missed? | It sounds like there are no provisions in the loan document for how to proceed in this case. I would view this as creating a brand new loan. The amount owed is going to be (Principal remaining + interest from 2 years + penalties). If you created a new loan for 13 years, that would not be how I would expect a lender ... |
Should I invest in my house, when it's in my wife's name? | The best answer to this question will depend on you and your wife. What is 'fair' for some may not be 'fair' for others. Some couples split expenses 50:50. Some split proportionately based on income. Some pool everything together. What works best for you will depend on your relative incomes, your financial goals, livin... |
What can I replace Microsoft Money with, now that MS has abandoned it? | I used to use Quicken, but support for that has been suspended in the UK. I had started using Mvelopes, but support for that was suspended as well! What I use now is an IPhone app called IXpenseit to track my spending. |
Accounting for reimbursements that exceed actual expenses | I've been in a very similar situation to yours in the past. Since the company is reimbursing you at a flat rate (I assume you don't need to provide documentation/receipts in order to be paid the per diem), it's not directly connected to the $90 in expenses that you mention. Unless they were taking taxes out that woul... |
Due Diligence - Dilution? | You will have to check SEC forms to know this in full. A publicly-traded company will have an amount of publicly tradable shares which can be easily found on their financial reports. But. that is not the only type of equity-like financial instrument that such a company can issue. A previous reply mentions "follow-on" p... |
At what point do index funds become unreliable? | A great deal of analysis on this question relies on misunderstandings of the market or noticing trends that happened at the same time but were not caused by each other. Without knowing your view, I'll just give the basic idea. The amount of active management is self-correcting. The reason people have moved out of act... |
Is there a legal deadline for when your bank/brokerage has to send your tax forms to you? | Many of the custodians (ie. Schwab) file for an extension on 1099s. They file for an extension as many of their accounts have positions with foreign income which creates tax reporting issues. If they did not file for extension they would have to send out 1099s at the end of January and then send out corrected forms. ... |
Are 'no interest if paid in in x months' credit cards worth it? | No, because of the balance transfer fees, which could be 4%. Unless of course you get a deal for 12 months of no payment, and you pay it back in 12 months, in which case a 4% annual interest rate is much less than a loan! At that point you are gambling that you will be responsible with the payments, and the card compan... |
Can an unmarried couple buy a home together with only one person on the mortgage? | It's not typically possible for someone to jointly own the house, who is not also jointly liable for the mortgage. This doesn't matter however, because it is possible for two people to get a mortgage together, where only one person's income is assessed by the lender. If that person could get a mortgage of that amount o... |
US Banks offering Security Tokens in 2012 | Charles Schwab and HSBC offer security tokens. |
What is a clearing bank, in specific, what does RMB clearing bank do? | Clearing means processing unsettled transactions. Specifically - all the money transfers between the banks, in this case. Clearing Bank for RMB business means that all RMB transactions will be cleared through that specific bank. If bank A in Hong Kong gets a check drawn on Bank B in Hong Kong, and the check is in RMB -... |
Explain the HSI - why do markets sometimes appear in sync and other times not? | Contributing factors to the diversion were that: A) China's currency does not float like other major countries' currencies B) China's real estate market didn't have the same lending criteria leading to the level of speculation seen in USA, at the time. |
How can I build up my credit history when I have nearly none | You're going to have a huge problem getting approved for anything as long as you have an unpaid bill on your report. Pay it and make sure its reported as paid in full - ASAP. Once that settled, your credit will start to improve slowly. Can't do anything about that, it will take time. You can make the situation improve ... |
Stocks and Shares ISA: What are the options for “near cash equivalents”? | You can actually hold cash in your account as long as the manager has reason to believe it is awaiting investment. As for your question, some near cash equivalents are: It's difficult to go into more detail about which investments are eligible due to the variety of risk characteristics, but you can certainly find inves... |
How can I get a home loan within 2 years of bankruptcy? | There are a few loan programs that grant exceptions to bankruptcy requirements in the event of extenuating circumstances that can be proven to be outside of your control (i.e. massive medical bills that you used bankruptcy to settle, etc.) however, in order to make the case for this exemption, you would need to make a ... |
Dad paying for my new home in cash. How can I buy the house from him? | There are quite some options, but without additional information, I can only provide examples. Last year I had the option to buy a house, but I decided against it because in my area it is getting harder and harder every year to sell it at a reasonable price. But if I had bought a house, my mother would have lent me the... |
Transfer car loan for better interest rate | The key word you are looking for is that you want to refinance the loan at a lower rate. Tell banks that and ask what they can offer you. |
Is there such a thing as “stock insurance”? | Put options are basically this. Buying a put option gives you the right but not the obligation to sell the underlying security at a certain date for a fixed price, no matter its current market value at that time. However, markets are largely effective, and the price of put options is such that if you bought them to cov... |
My employer doesn't provide an electronic pay stub and I need one to get a car loan | You have a few options and sometimes challenges help us improve our situation. First, you can not borrow to buy a car. Reducing the massive depreciation that cars undergo will help you be wealthier. It is hard to find a good use car that you can buy for cash, but it will play out best for your finances in the long ru... |
401(k) Investment stategies | Ending up with nothing is an unlikely situation unless you invest 100% in a company stock and the company goes under. In order to give you a good answer we need to see what options your employer gives for 401k investments. The best advice would be to take a list of all options that your employer allows and talk with a ... |
effect of bond issue on income statement | No, it would not show up on the income statement as it isn't income. It would show up in the cash flow statement as a result of financing activities. |
What is the best credit card for someone with no credit history | If you've never had a credit card before a likely reason can be due to lack of credit history. You can apply for a department store card. Nordstroms, Macy's, Target will often grant a small line of credit even with no history. Target would be my first attempt as they have a wide selection of every day items, improving ... |
Buying and selling the same stock | Unfortunately, we don't know your country, but I'd guess "Not US" with the hint being your use of the word bugger in a comment. Realized profits are taxed by all tax authorities I'm aware of, i.e. the Tax Man in every country. Annually, so that you can let the profits run during the year, and offset by the losses duri... |
If the co-signer on my car loan dies, can the family take the car from me like they're threatening to? | My family members, particularly my aunt (his daughter), are telling me that when my grandpa dies they are taking my car. Bring this up with Grandpa. If this is what he wants to have happen, then help him make it happen before you finish paying $12,000 on a car worth only $6,000. Let the Aunt and other relatives deal ... |
College student - I'm a 'dependent' and my parents won't apply for the Parent PLUS loan or cosign a private loan | My son is in a similar situation where he is 21 and in college. My wife and I claimed him as a dependant on our taxes last year. He had still been able to get some student loans as a dependant as well as scholarships. I have told him that we will not cosign on a loan for him. It isn't because we don't like our son, it ... |
what is difference between stock and dividend? | From Wikipedia - Stock: The stock (also capital stock) of a corporation constitutes the equity stake of its owners. It represents the residual assets of the company that would be due to stockholders after discharge of all senior claims such as secured and unsecured debt. Stockholders' equity cannot be withdrawn... |
Do options always expire on third Friday of every month | Prior to 2005, the only SPY options that existed were the monthly ones that expire on the third Friday of every month. But in 2005, the Chicago Board Options Exchange introduced SPY weekly options that expire every Friday (except that there is no weekly option that expires on the same day as a monthly option). These ... |
What market conditions favor small cap stocks over medium cap stocks? | Small cap companies are just smaller, so the risk for them to fail is higher but the potential for higher returns is also higher. |
Is it possible to know the probability that a trade is successful? | If you had a trading system, and by trading system I mean the criteria setup that you will take a trade on, then once a setup comes up at what price will you open the trade and at what price you will close the trade. As an example, if you want to buy once price breaks through resistance at $10.00 you might place your b... |
Should I keep most of my banking, credit, and investment accounts at the same bank? | I've had all my account with the same bank for all my life. Generally, the disadvantage is that if I want some kind of product like a credit extension or a mortgage, I have the one bank to go to and if they don't want to help me I'm out of luck. However, occasionally there are also perks like the bank spontaneously off... |
Sales Tax: Rounded Then Totaled or Totaled Then Rounded? | Taxes should not be calculated at the item level. Taxes should be aggregated by tax group at the summary level. The right way everywhere is LINE ITEMS SUMMARY PS:If you'd charge at the item level, it would be too easy to circumvent the law by splitting your items or services into 900 items at $0.01 (Which once rounded ... |
Why are capital gains taxed at a lower rate than normal income? | I think this question is very nearly off-topic for this site, but I also believe that a basic understanding of the why the tax structure is what it is can help someone new to investing to understand their actual tax liability. The attempt at an answer I provide below is from a Canadian & US context, but should be simil... |
How do I handle taxes on a very large “gift” from my employers? | You're right about your suspicions. I'm not a professional (I suggest you talk to a real one, a one with CPA, EA or Attorney credentials and license in your State), but I would be very cautious in this case. The IRS will look at all the facts and circumstances to make a claim, but my guess would be that the initial cla... |
Calculation, timing, and taxes related to profit distribution of an S-corp? | We will bill our clients periodically and will get paid monthly. Who are "we"? If you're not employed - you're not the one doing the work or billing the client. Would IRS care about this or this should be something written in the policy of our company. For example: "Every two months profits get divided 50/50" They ... |
Will the popularity of index funds cause a pricing bubble in the stocks that make up an index? | With regard to commodity futures, a paper released in January 2010 by Aulerich, Irwin, and Garcia, concluded that index funds have essentially no impact on commodity futures. Looking at stocks, a stock that gets included in a major index does increase in price. It increases its turnover by 27% and increases its price b... |
Will the ex-homeowner still owe money after a foreclosure? | Yes, the borrower is responsible for paying back the full amount of the loan. Foreclosure gives the bank possession of the property, which they can (and do) sell. Any shortfall is still the borrower's responsibility. But, no, the bank can't sell the property for a dollar; they have to make a reasonable effort. Usually ... |
Can paying down a mortgage be considered an “investment”? | From what I've read, paying down your mortgage -- above and beyond what you'd normally pay -- is indeed an investment but a very poor form of investment. In other words, you could take that extra money you'd apply towards your mortgage and put it in something that has a much higher rate of return than a house. As an ex... |
Are non-residents or foreigners permitted to buy or own shares of UK companies? | It's easy to own many of the larger UK stocks. Companies like British Petroleum, Glaxo, and Royal Dutch Shell, list what they call ADRs (American Depositary Receipts) on the U.S. stock exchanges. That is, they will deposit local shares with Bank of NY Mellon, JP Morgan Chase, or Citicorp (the three banks that do this t... |
Financing Education through Credit Card or Student Loans | I would use student loans and avoid credit card debt if debt is your only option. Here are the advantages I see: Disadvantages: |
What are the marks of poor investment advice? | Proverbs 11:14 states: "For lack of guidance a nation falls, but many advisers make victory sure." Asking here is a good start. You'll (hopefully) get a few opinions. |
What does Dividend 165% mean in stock market? | Do not confuse the DIV (%) value and the dividend yield. As you can see from this page, the DIV (%) is, as you say, 165%. However, the dividend yield is 3.73% at the time of writing. As the Investopedia page referenced above says: The payout ratio is calculated as follows: Annual Dividends per Share / Earnings per Sh... |
Small withdrawals from IRA | First - Welcome to Money.SE. You gave a lot of detail, and it's tough to parse out the single question. Actually, you have multiple issues. $1300 is what you need to pay the tax? In the 25% bracket plus 10% penalty, you have a 65% net amount. $1300/.65 = Exactly $2000. You withdraw $2000, have them (the IRA holder) wit... |
Would every FX currency pair or public stock that is under the 30 level using Relative Strength Index (RSI) be an undervalued pair? | No, and using a 37 year old formula in finance that is as simple as: should make it obvious technical analysis is more of a game for retail traders than investment advice. When it comes to currencies, there are a myriad of macroeconomic occurrences that do not follow a predictable timescale. Using indicators like RSI o... |
Owning REIT vs owning real estate - which has a better hypothetical ROI? | You've already hit on the big difference. If you buy a property, you've made a big commitment, for better or worse. If you bought wisely, you'll be very happy. If not, you could go bankrupt. An REIT spreads out the risk, but the reward isn't as great. There's less barrier to entry in buying shares of an REIT than the... |
Previous owner of my home wants to buy it back but the property's value is less than my loan… what to do? | How about doing a Lease Option with a very long term and a very early "option" for the guy buying. Essentially he will be making your mortgage payments for the next couple few years. Much less paperwork for the both of you that way. See a lawyer for the paperwork, from my limited experience with a real estate lawyer ... |
Bid-ask price Question | (12 * 100) * 1.01 = 1212 Assuming the $12 ask can absorb your whole 100 share order. |
Online stock screener to find stocks that are negatively correlated to another stock/index? | You may want to have a look at DiversifyPortfolio which will give you the info you want plus quite a bit more. They offer various tools all related to stock correlation and diversification. You'll be able to create heatmaps and various other charts showing stock correlations. It also has several scans which allow you t... |
Why is tax loss harvesting helpful for passive investing? | I wrote a detailed article on Tax Loss Harvesting to show the impact on returns. For my example, I showed a person in the 15% bracket. In years with no loss, they trade to capture gains at 0% long term rate, thus bumping their basis up. In years with losses, they tax harvest for a 15% effective 'rebate' on that loss. ... |
Why can it be a bad idea to buy stocks after hours? | The sentiment is because between closing and opening a lot can happen, and between opening and the time your order actually goes through, even more can happen. An after-hours trade has an extra amount of short-term risk attached; the price of a stock at the opening bell is technically the same as its price as of the c... |
Foreign company incorporated in US and W9 | According to the W9 instructions you are considered a U.S. person if: According to the following section, it looks like a C corporation may be easier then an LLC: All of this information can be found here: http://www.irs.gov/pub/irs-pdf/fw9.pdf Hope this helps! |
Work on the side for my wife's company | My understanding (I am not a lawyer or tax expert) is that you are not allowed to work for free, but you can pay yourself minimum wage for the hours worked. There are probably National Insurance implications as well but I don't know. The main thing is, though, that if HMRC think that you've set up this system as a tax ... |
Retirement planning 401(k), IRA, pension, student loans | None of your options seem mutually exclusive. Ordinarily nothing stops you from participating in your 401(k), opening an IRA, qualifying for your company's pension, and paying off your debts except your ability to pay for all this stuff. Moreover, you can open an IRA anywhere (scottrade, vanguard, etrade, etc.) and f... |
Why REIT prices are not going down while bonds are being hammered? | I don't like REITs because they are more closely correlated to the movement of the stock market. They don't really do the job of diversifying a portfolio because of that correlation. When the stock market dropped in 2008, REITs were hammered as well because the housing bubble burst. Bonds went up, and if you rebalance... |
What does a well diversified self-managed investment portfolio look like? | Diversification is spreading your investments around so that one point of risk doesn't sink your whole portfolio. The effect of having a diversified portfolio is that you've always got something that's going up (though, the corollary is that you've also always got something going down... winning overall comes by pickin... |
Recovering over-contribution to Social Security between two employers? | This is a common occurrence when somebody has multiple jobs in one year. The employer can't know if you have reached the annual limit. They know to stop when you have hit the maximum for their company, but don't have information on the other jobs. In fact the IRS doesn't let them factor in the other jobs. They have to ... |
Pay Yourself With Credit Card Make Money With Cash Back [duplicate] | This is basically a form of credit card kiting, it's not necessarily illegal but it can be. It is, however, against the TOS in pretty much every merchant agreement (including Paypal and Square), so you'd most likely have your account suspended, and the merchant could pursue legal action if they felt they could prove in... |
Optimal way to use a credit card to build better credit? | In addition to the already good answers: I am assuming you are playing a long game and have no specific need for a high credit score in the next couple of years. This list is just good practice that will raise you score. |
Should I open a credit card when I turn 18 just to start a credit score? | I want to recommend an exercise: Find all the people nearby who you can talk to in less than 24 hours about credit cards: Your family, whoever lives with you, and friends. Now, ask each of them "what's the worst situation you've gotten yourself into with a credit card?" Personally, the ratio of people who I asked who h... |
Safe method of paying for a Gym Membership? | I've worked in gyms for 9 years. Here's a few things I've seen: 1)Contracts aren't necessarily a terrible thing if you know that you are going to stay for a while, just know the terms you're signing up for. 2)Be aggressive and relentless with the membership salesman, don't be afraid to put your own price out there and... |
In the stock market, why is the “open” price value never the same as previous day's “close”? | Prices reflect all available information. (Efficient markets hypothesis) A lot can happen between the time a stock closes on one day and opens on another. Particularly in a heavily traded stock such as IBM. Basically, you have a different "information set" the following day, which implies a different price. The instanc... |
May I claim money earned but not received in 2012 | If you didn't receive the money in 2012 or have constructive receipt you really can't claim the income. If the company is going to give you a 1099 for the work they aren't going to give you one until next year and if you claim it this year you will have a hard time explaining the income difference. On the other hand if... |
Can I exchange rental property for REIT stock with 1031? | would buying the stock of a REIT qualify as a 'Like-Kind' exchange? Short answer, no. Long answer, a 1031 (Starker) exchange only applies to real estate. From the Wikipedia page on the topic: To qualify for Section 1031 of the Internal Revenue Code, the properties exchanged must be held for productive use in a trade o... |
Turning 30 and making the right decision with my savings and purchasing home | I love the idea of #1, keep that going. I don't think #2 is very realistic. Given the short time frame putting money at risk for a higher yield may not work in your favor. If it was me, I'd stick to a "high interest" savings account (around 1%). I don't mind #3 either, however, I'd be socking whatever you could to mo... |
Buying shares in employer's company during IPO | its the best investment you can have specially with the company you work for and IPO, if i was you i would invest in more then just the minimum since its IPO. ask you your manager or supervisor how much are they buying the stocks for if they are doing it the go for it you'll be okay just keep track of it regular someti... |
Is it beneficial to my credit score if I close my youngest credit lines while preserving my current credit utilization rate? | I wrote How Old is Your Credit Card? some time ago. The answer is yes, this helps the credit score, but this factor, age of accounts, is pretty minimal. Grabbing deals, as you did, I'm actually down to a "C" for this part of my score, but still maintain a 770 score. |
What does “interest rates”, without any further context, generically refer to? | Generically, interest rates being charged are driven in large part by the central bank's rate and competition tends to keep similar loans priced fairly close to each other. Interest rates being paid are driven by what's needed to get folks to lend you their money (deposit in bank, purchase bonds) so it's again related.... |
That “write your own mortgage” thing; how to learn about it | The other answers are talking about seller financing. There is another type of arrangement that might be described as "writing your own mortgage," where the buyer arranges his (or her) own financing. Instead of using a bank, a buyer might find his own investor to hold the mortgage for him. An example would be if I we... |
Can you sell stocks/commodities for any price you wish (either direct or market)? | You answered your own question "whether someone buys is a different thing". You can ask any price that you want. (Or given an electronic brokerage, you can enter the highest value that the system was designed to accept.) The market (demand) will determine whether anyone will buy at the price you are asking. A better st... |
Building financial independence | While I can appreciate you're coming from a strongly held philosophy, I disagree strongly with it. I do not have any 401k or IRA I don't like that you need to rely on government and keep the money there forever. A 401k and an IRA allows you to work within the IRS rules to allow your gains to grow tax free. Additionall... |
Is it impossible to get a home loan with a poor credit history after a divorce? | No, it is never impossible to get credit so long as there are no price controls or quotas. In most of the United States, the impetus for housing is so strong that it's one sector of credit that has nearly no price regulation, price in this case being interest rates. Corporate banks will not touch you now because Dodd-F... |
What's a reliable way for a non-permanent resident alien in the USA to get an auto loan? | You have figured out most of the answers for yourself and there is not much more that can be said. From a lender's viewpoint, non-immigrant students applying for car loans are not very good risks because they are going to graduate in a short time (maybe less than the loan duration which is typically three years or mor... |
What is a reasonable salary for the owner and sole member of a small S-Corp? | The answer depends on this: If you had to hire someone to do what you are doing in the S-corp, what would you pay them? If you are doing semi-unskilled work part-time, then $20k might be reasonable. If you are a professional working full time, it's too low. Don't forget that, in addition to "billable" work, you are ... |
How do UK Gilts interest rates and repayments work? | A title such as "5% Treasury Gilt 2020" expresses the nominal yield. In other words, 5% is the yield you will receive if you are able to buy the Gilt at the nominal (issue) price of GBP100. Of course, you will not be able to buy such a Gilt in today's market for the nominal price of GBP100. It will be trading at a co... |
How to calculate 1 share movement | Unless other people believe you have a reason for selling at a lower price, your sale probably has no lasting effect at all on the market. Of course, if people see you dump a few million dollars' worth of shares at a discount, they may be inclined to believe you have a reason. But if you just sell a few, they will conc... |
Option trading: High dollar value stock option and equity exposure | You're forgetting the fundamental issue, that you never have to actually exercise the options you buy. You can either sell them to someone else or, if they're out of the money, let them expire and take the loss. It isn't uncommon at all for people to buy both a put and call option (this is a "straddle" when the strike... |
I am looking for software to scan and read receipts | Scanning receipts is easy and any decent scanner will do a good job for you. The difficult part is the software that 'extracts' the data. Today there is no software that can do this really well because there is just too great a range of receipts (e.g. handwritten receipts, receipts in foreign languages, etc.). For this... |
Must a company have a specific number of employees to do an IPO? | Working for a lot of startups, I have seen this cycle. Really it has little to do with making the IPO look good because of number of employees, and is more about making the IPO look good because of planning for the future. Many times an IPO is released, it will be valued at $1.00 (made up) and the market will soar and ... |
How does Portfolio Turnover affect my investment? | may result in more taxes when Fund shares are held in a taxable account. When the fund manager decides to sell shares of a stock, and those shares have grown in value, that growth is a capital gain. If that fund is part of a taxable account then the investors in the fund will have to declare that income/gain on their... |
Why do some people go through contortions to avoid paying taxes, yet spend money on expensive financial advice, high-interest loans, etc? | An example, where I live. When you buy a house, the seller wants 'black' money. This is because that way the seller pays less taxes. However, it's not smart for the buyer to pay in black, as the tax reductions are lower. Eventually, when the buyer tries to sell the house, he has to declare the difference, so a higher b... |
Are multiple hard inquiries for a specific loan type okay? | Assuming I don't need any other new lines of credit, can I get pre-qualified repeatedly (and with different banks) with impunity? Yes, but only for a limited period. FICO says: Hard inquiries are inquiries where a potential lender is reviewing your credit because you've applied for credit with them. These include credi... |
Why are fund managers' average/minimum purchase price from form 13F the same? | The GuruFocus Link is just reporting the high and low price of the quarter. Price Range (Average) – The estimated trade prices. The average price is calculated from the time weighted average during the period. If no price range is shown, the trade prices are estimated trade prices, which are more accurate estima... |
Does Implied Volatilty factor in all known future events? | In short, yes. Implied volatility will capture any expected upcoming material announcements. There is also supply/demand impact bundled in which may inflate an option price, and by extension increase implied volatility. OTM and ITM options are particularly predisposed to this phenomenon -- which is of course at odds wi... |
What happens if I just don't pay my student loans? | employed under the table and doesn't have a bank account If I could make that size 10,000,000 font I would. Your friend likely also isn't paying taxes. The student loan penalties will be nothing compared to what the IRS does to you. Avoid taking financial advice from that person. |
My landlord is being foreclosed on. Should I confront him? | If John signs the lease he is entitled to stay there for the duration of the lease regardless of the foreclosure status. http://www.nolo.com/legal-encyclopedia/renters-foreclosure-what-are-their-30064.html I would suggest that signing a year lease (even by email), with the plan to leave as early as possible is a good... |
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