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Individual Client or Customer fining or charging a Company a penalty fee | What's the primary factor keeping a consumer from handing out fees as liberally as corporations or small businesses do? Power. Can an individual, or more appropriately, what keeps an individual from being able to charge, fine or penalize a Business? If it could be accomplished, but at a high cost, let's assume it's bas... |
Outstanding car bill, and I am primary but have not driven it for 2 years | What can you do? Pay the loan or face the debt collectors. The finance company don't care who now keeps the car, or who drives it. There's money outstanding on the loan, and your signature on the loan form. That's why co-signing a loan for someone else so often ends in tears. |
Pay or not pay charged-off accounts for mortgage qualification | Your post has some assumptions that are not, or may not be true. For one the assumption is that you have to wait 7 years after you settle your debts to buy a home. That is not the case. For some people (me included) settling an charged off debt was part of my mortgage application process. It was a small debt that a ... |
Quickbooks custom field for computing a value | Custom fields are limited to non-calculated values. Read more here: http://qbblog.ccrsoftware.info/2008/07/custom-fields-in-quickbooks/ To do this you will need an add-on. I would reccomend CCRQInvoice, but only because its the only one I've tried and it worked. More here (this is an order form example, but it work... |
Bi-weekly payment option | Your question is unclear about whether you are moving from bi-weekly payments or to bi-weekly payments. Let's calculate each case. Bi-weekly pay means you will be paid every two weeks. The amount for each payment will be your annual salary divided by 26, possibly with a small decrease (around 0.3%) to account for the f... |
Does the Black-Scholes Model apply to American Style options? | The difference between an American and European option is that the American option can be exercised at any time, whereas the European option can be liquidated only on the settlement date. The American option is "continuous time" instrument, while the European option is a "point in time" instrument. Black Scholes appli... |
Should I pay off a 0% car loan? | I struggle with 0% interest things in my personal life. A responsible me that thinks logically says continue to pay it on time and take advantage of the benefit of the interest free loan you got. It will keep your funds liquid in the case of an emergency, build your credit and teach you self control. Paying it off no... |
When a stock price goes down, does the money just disappears into thin air? | Price and value are two different things. Price is determined by supply and demand. Value does affect the demand. People are willing to pay more if they value the item more but value is not price. |
Why is the dominant investing advice for individuals to use mutual funds, exchanged traded funds (ETFs), etc | Cost. If an investor wanted to diversify his portfolio by investing in the companies that make up the S&P 500, the per-share and commission costs to individually place trades for each and every one of those companies would be prohibitive. I can buy one share of an exchange-traded fund that tracks the S&P 500 for less ... |
What are my options to deal with Student Loan debt collectors? | I had about $16k in student loans. I defaulted on the loans, and they got > passed to a collection type agency (OSCEOLA). These guys are as legitimate as a collection agency can be. One thing that I feel is very sketchy is when they were verifying my identity they said "Does your Social Security Number end in ####. I... |
Scammer wants details and credentials for my empty & unused bank account. What could go wrong? | First off, do not ever tell someone your password. Nobody who actually works for the bank would need your password to access the account. Also, it may or may not be a scam (it almost assuredly is), but it is not a good idea to let someone use your bank account in your name. What if they use your account to launder mone... |
Where to find Vanguard Index Funds? | No, some of Vanguard's funds are index funds like their Total Stock Market Index and 500 Index. In contrast, there are funds like Vanguard PRIMECAP and Vanguard Wellington that are actively managed. There are index funds in both open-end and exchange-traded formats. VTI is the ticker for Vanguard's Total Stock Market E... |
Recent college grad. Down payment on a house or car? | Given the state of the economy, and the potential of a rough near future for us recent grads (i.e. on/off work), I would recommend holding off on large purchases while your life is in flux. This includes both a NEW car and purchasing a house. My short answer is: you need a reliable vehicle, so purchase a used car, fro... |
Why does a stock's price fluctuate so often, even when fresh news isn't available? | according to me it's the news about a particular stock which makes people to buy or sell it mostly thus creates a fluctuation in price . It also dependents on the major stock holder. |
What does it mean if “IPOs - normally are sold with an `underwriting discount` (a built in commission)” | Also, in the next sentence, what is buyers commission? Is it referring to the share holder? Or potential share holder? And why does the buyer get commission? The buyer doesn't get a commission. The buyer pays a commission. So normally a buyer would say, "I want to buy a hundred shares at $20." The broker would then... |
250k USD in savings. What's next? | Find a good financial advisor that is willing to teach you and not just interested in making a commission on your net worth. Talk to them and talk some more. Go slow and don't make impulsive buying decisions. If you don't understand it then don't buy it. Think long term - how do I turn this 250K into 2.5M? Congrats on ... |
How do auto-loan payments factor into taxes for cars that are solely used by dependent(s)? | I don't see how allowing usage of your vehicle is less support than giving money to buy their own vehicle. If that's the only vehicle your mother has - then you're supporting her. Quantifying that support may be difficult though, but if you are providing her all of her needs - it doesn't matter. If she does have income... |
How can one identify institutional accumulation of a particular stock using price and volume data? | A couple ways, but its not a guarantee. You have to have special charts. Instead of each tick being 1 min, 5 min, or whatever, it is a set number of trades. Say 2000. Since retail investors only buy and sell in small amounts, there will be small volume per tick. An institutional investor, however, would have a much mu... |
I'm 23, living at home, and still can't afford my own property. What could I do? | When I was 23, the Toronto housing market was approaching a record high, and I thought, "I must buy a place or I'll be locked out." And I did. Bad decision. I should have waited and saved my money. For the record, I thought I would never recover, but I did. Patience grasshopper. In actual fact the U.K. housing market i... |
What percent of a company are you buying when you purchase stock? | Your question has already been answered, you divide the amount of shares you own * 100% by the total amount of shares. However, I feel it is somewhat misleading to talk about owning a percentage of the company by owning shares. Strictly speaking, shares do not entitle you to a part of the company but instead give you a... |
Can I cash a cashier's check at any bank? | Cashiers check is as good as cash. I use them all the time as banks don't carry over 2-3k anymore. I can bring the cashiers check anywhere and thus cash it for u without an account. It's basically a piece of paper that says these funds are set aside from the issuers account just for and only for the check. That's why i... |
VAT and duties payable when importing personal goods from Switzerland and the Channel Islands to the EU? | http://www.hmrc.gov.uk/customs/tax-and-duty.htm#3 explains the Import VAT situation quite well. As for who enforces and collects it, if you're talking about buying online and having it shipped to you then you'll notice on the parcel a Customs sticker declaring the contents and value. It is the responsibility of the co... |
Can I evaluate the performance of a company using just OHLC data? | No. The information you are describing is technical data about a stock's market price and trading volume, only. There is nothing implied in that data about a company's financial fundamentals (earnings/profitability, outstanding shares, market capitalization, dividends, balance sheet assets and liabilities, etc.) All yo... |
How do I get into investing? | Don't do it until you have educated yourself enough to know what you are doing. I hope you won't take this personally, but given that you are wandering around asking random strangers on the Internet how to "get into investing," I feel safe in concluding that you are by no means a sophisticated enough investor to be cho... |
What is a good asset allocation for a 25 year old? | Check out some common portfolios compared: Note that all these portfolios are loosely based on Modern Portfolio Theory, a theory of how to maximize reward given a risk tolerance introduced by Harry Markowitz. The theory behind the Gone Fishin' Portfolio and the Couch Potato Portfolio (more info) is that you can make mo... |
Should I make additional payments on a FHA loan, or save up for a refinance? | You would have to do the specific math with your specific situation to be certain, but - generally speaking it would be smarter to use extra money to pay down the principle faster on the original loan. Your ability to refinance in the future at a more favorable rate is an unknowable uncertainty, subject to a number of ... |
Why would you ever turn down a raise in salary? | I don't know of a situation where rejecting a raise would make sense. Often, one can be in a phaseout of some benefit, so that even though you're in a certain tax bracket, the impact of the next $100 is greater than the bracket rate alone. Taxation of social security benefits is one such anomaly. It can be high, but ne... |
Can my spouse be the primary signer on my car's loan? | Go to your local bank or credit union before talking to a dealership. Ask them if putting both names on the loan makes a difference regarding rates and maximum loan you qualify for. Ask them to run the loan application both ways. Having both names on the loan helps build the credit of the spouse that has a lower score.... |
Definition of gross income (Arizona state tax filing requirements) | I would suggest reading through page 1 of the Arizona Nonresident form instructions at the web address below: https://www.azdor.gov/Portals/0/ADOR-forms/TY2015/10100/10177_inst.pdf To quote: "You are subject to Arizona income tax on all income derived from Arizona sources. If you are in this state for a temporary or tr... |
Harmony Gold Mining Company is listed on the NYSE and JSE at different prices? | On NYSE it isn't the equity which is listed but is an ADR(American Depositary Receipt). Source A negotiable certificate issued by a U.S. bank representing a specified number of shares (or one share) in a foreign stock that is traded on a U.S. exchange. ADRs are denominated in U.S. dollars, with the underlying security ... |
What is a 10 Year Treasury Note and How Can it be Used to Calculate the Intrinsic Value of a Stock? | It's a form of debt issued by the United States Treasury. As the name implies, a 10-year note is held for 10 years (after which you get the face value in cash), and it pays interest twice per year. It's being used in the calculator to stand for a readily available, medium-term, nearly risk-free investment, as a means o... |
I have savings and excess income. Is it time for me to find a financial advisor? | Is my financial status OK? If not, how can I improve it? Based on the fact that you have $100K in the bank and no debts your situation is OK. You don't have credit card debt or an underwater car loan, though the fact you are thinking about a car and a home shows you have started to put some thought into planning. Is no... |
How much does it cost to build a subdivision of houses on a large plot of land? | The estimated cost of $200 sqft of living space is achievable by builders who are following one the their standard plans. They build hundreds of homes each year across the region using those standard plans. They have detailed schedules for constructing those homes, and they know exactly how many 2x4s are need to build ... |
Buying a multi-family home to rent part and live in the rest | Disadvantage is that tenant could sue you for something, and in an unfavorable judgement they would have access to your house as property to possess. You could lose the house. Even if you make an LLC to hold the house, they'll either sue you or the LLC and either way you could lose the house. This might be why the land... |
Why doesn't Japan just divide the Yen by 100? | What benefit vs. what cost? Benefit - none that I can think of. Cost - massive. Every system that handles money would need to re-value overnight, every store would need to re-price. In many ways it would be simpler and maybe even cheaper to introduce a new currency. |
Is it normal that US Treasury bills(0.07%) yield smaller than interest rate(0.25%)? | Maybe someone will have more details, but a couple of things come to mind immediately: |
Is it ok to use a check without a pre-printed check number? | For the clearing house, only the routing number and the check amount [which gets encoded before its presented to clearing] is important. The check numbers were put in as a fraud prevention mechanism to ensure that one check was only presented once and that it was issued to a particular account. Typically issued in sequ... |
If I have $1000 to invest in penny stocks online, should I diversify risk and invest in many of them or should I invest in just in one? | There's a grey area where investing and speculating cross. For some, the stock market, as in 10% long term return with about 14% standard deviation, is too risky. For others, not enough action. Say you have chosen 10 penny stocks, done your diligence, to the extent possible, and from a few dozen this is the 10 you lik... |
How to determine duration of a common stock whose dividends grow in perpetuity? | The Dividend Discount Model is based on the concept that the present value of a stock is the sum of all future dividends, discounted back to the present. Since you said: dividends are expected to grow at a constant rate in perpetuity ... the Gordon Growth Model is a simple variant of the DDM, tailored for a firm in "st... |
Is it true that 90% of investors lose their money? | Very likely this refers to trading/speculating on leverage, not investing. Of course, as soon as you put leverage into the equation this perfectly makes sense. 2007-2009 for example, if one bought the $SPX at its highs in 2007 at ~$1560.00 - to the lows from 2009 at ~$683.00 - implicating that with only 2:1 leverage a... |
How bad is it to have a lot of credit available but not used? | I never give advice but I will now because you are getting poor advice. I run between 820 and 835 for a FICO score and have for years. I have a Discover, AMEX, VISA and MC. I have over 200,000 dollars of credit and I never EVER pay interest. I pay off the cards every month. So, does it matter how much credit you h... |
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... |
Should I pay off my car loan within the year? | Something I'd like to plant firmly into your mind - If you're able to save up enough money to buy the things you want outright, credit will be of little use to you. Many people find once they've accumulated very good credit scores by use of good financial habits, that they rarely end up using credit, and get little out... |
Why are index funds called index funds? | Because they track an index. Edited: The definition of the word in this case meaning "something used or serving to point out; a sign, token, or indication" from Meaning #3 I presume therefore you are asking what an index is? There are many variations of what makes up an Index but in short it is a representation of som... |
How to divide a mortgage and living area fairly? | I suggest that you first decide on what %'s of the home value you each have a legal claim to. Then split the mortgage using the same %'s. Then, if someone feels their % is slightly higher, they are compensated because they 'own' a correspondingly higher share of the house. Use the same %'s for downpayments (which may m... |
Buying a house. I have the cash for the whole thing. Should I still get a mortgage to get the homeowner tax break? | Getting a mortgage for the interest write-off is like buying packs of baseball cards for the gum. That said, I'd refer you to The correct order of investing as much of that question really overlaps with this. This question boils down to priorities, the best use of the funds. There are those who suggest that a mortgage ... |
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... |
When the market price for a stock is below a tender offer's price, is it free money (riskless) to buy shares & tender them? | It is not a "riskless" transaction, as you put it. Whenever you own shares in a company that is acquiring or being acquired, you should read the details behind the deal. Don't make assumptions just based on what the press has written or what the talking heads are saying. There are always conditions on a deal, and there... |
In 2015, why has the price of natural gas been plummeting? | Don't try to catch a falling knife. The fact that the prices were falling for this long means that the professional traders in this market expect gas prices to keep going down. This may be for many reasons, which they know much better than you do. So it's likely that gas will keep falling for a while longer. Wait until... |
I want to invest in Gold. Where do I go and buy it? | I do not know anything about retail investing in India, since I am in the US. However, there are a couple of general things to keep in mind about gold that should be largely independent of country. First, gold is not an investment. Aside from a few industrial uses, it has no productive value. It is, at best, a hedge ag... |
Online Return Policies | If you paid by credit card, file a dispute with the credit card company. They will credit you the money immediately while they investigate. The burden of proof will then be on the merchant. Keep your documents handy in case you need them: USPS receipt, proof of delivery, copies of all correspondance, etc. File the cred... |
Why do some people say a house “not an investment”? | One reason I have heard (beside to keep you paying rent) is the cost of maintenance and improvements. If you hire someone else to do all the work for you, then it may very well be the case, though it is not as bad as a car. Many factors come into play: If you are lucky, you may end up with a lot that is worth more t... |
IRS “convenience of the employer” test when employee lives far from the office | I'm not a tax professional, but as I understand it, you are not expected to commute from San Francisco to Boston. :) If your employer has not provided you with an external office, then yes, you have very likely met the "convenience of the employer" test. However, to take the home office deduction, there are many requi... |
investing - where to trade online? (Greek citizen) | The Greek Piraeus Bank offers such services for trading stocks in Athens Stock Exchange (ASE) and in addition 26 other markets including NASDAQ, NYSE and largest European ones (full list, in Greek). Same goes for Eurobank with a list of 17 international markets and the ability to trade bonds. BETA Securities has also a... |
Why should the P/E ratio of a growth stock match its percentage earnings growth rate? | This is only a rule of thumb. Peter Lynch popularized it; the ratio PE/growth is often called the Lynch Ratio. At best it's a very rough guideline. I could fill up this page with other caveats. I'm not saying that it's wrong, only that it's grossly incomplete. For a 10 second eyeball valuation of growth stocks, it's fi... |
How can you possibly lose on investments in stocks? | Easiest thing ever. In fact, 99% of people are loosing money. If you perform worse then 10% annually in cash (average over 5-10 years), then you better never even think about trading/investing. Most people are sitting at 0%..-5% annually. They win some, loose some, and are being outrun by inflation and commissions. In ... |
What is the meaning of “writing put options”? | Writing options means "selling" options and "put" options are contracts to sell a defined security (the underlying), at a specific date (expiration date) and at a specific price (strike price). So, writing put options simply mean selling to others contracts to sell. Your profit is limited to the premium but your loss m... |
Does a bond etf drop by the amount of the dividend just like an equity etf | No, they do not. Stock funds and bonds funds collect income dividends in different ways. Stock funds collect dividends (as well as any capital gains that are realized) from the underlying stocks and incorporates these into the funds’ net asset value, or daily share price. That’s why a stock fund’s share price... |
Why most of apple stock price since 10years have been gained overnight? | I'll answer this question: "Why do intraday traders close their position at then end of day while most gains can be done overnight (buy just before the market close and sell just after it opens). Is this observation true for other companies or is it specific to apple ?" Intraday traders often trade shares of a company ... |
If I were to get into a life situation where I would not be able to make regular payments, do lenders typically provide options other than default? | The answer is generally yes. Depending on your circumstances and where you live, you may be able to get help through a federal, state, or lender program that: |
Where can I find open source portfolio management software? | Take a look at this: http://code.google.com/p/stock-portfolio-manager/ It is an open source project aimed to manage your stock portfolio. |
Understanding stock market terminology | Opening - is the price at which the first trade gets executed at the start of the trading day (or trading period). High - is the highest price the stock is traded at during the day (or trading period). Low - is the lowest price the stock is traded at during the day (or trading period). Closing - is the price at which t... |
What could cause a stock to trade below book value? | A company's stock value is indicative of the market's collective belief of the future of the company. The relationship of between price and book value will vary according to the quality of the company, the category of stock, etc. In extreme cases, say Bank of America, the stock trades at a fraction of book, because BOA... |
Long term investment for money | I recommend you two things: I like these investments because they are not high risk. I hope this helps. |
I have about 20 000 usd. How can invest them to do good in the world? | One of the best things you can do for this purpose, while getting a modest ROI on a passive investment, is invest in a company that profitably does whatever you want to see more of. For example, you could invest in a for-profit company that sells needed goods to low-income people at lower prices. Something like Wal-Ma... |
Should I have a higher credit limit on my credit card? | I wouldn't say you should have any particular limit, but it can't hurt to have a higher limit. I'd always accept the increase when offered, and feel free to request it sometimes, just make sure you find out if it will be a hard or soft inquiry, and pass on the hard inquires. From my own experience, there doesn't seem t... |
Equity As Part of Compensation | With LLCs, the operation agreement can define different shares for different kinds of income or equity, and different partners may be treated differently. In essence, you can end up with a different stock class for each partner/member. So you need to read the grant document and the OA really carefully to know what you'... |
Investment strategy for a 20 year old with about 30k in bank account | If you have already maxed your TSP contributions, the "401k" for military folks, you could consider a Traditional IRA contribution. They are tax-deductible, based on some limits, so it may reduce your tax liability. Many online services (Vanguard, Fidelity, etc.) offer quick and free setup of Traditional IRA accounts. ... |
Is there any reason not to put a 35% down payment on a car? | I suggest you buy a more reasonably priced car and keep saving to have the full amount for the car you really want in the future. If you can avoid getting loans it helps a lot in you financial situation. |
Calculate price to earning and price to sale value for given dataset | Too calculate these values, information contained in the company's financial statements (income, balance, or cashflow) will be needed along with the price. Google finance does not maintain this information for BME. You will need to find another source for this information or analyze another another symbol's financial... |
What is market order's relation to bid ask spread? | Because in the case for 100/101, if you wanted to placed a limit buy order at top of the bid list you would place it at 101 and get filled straight away. If placing a limit buy order at the top of 91 (for 90/98) you would not get filled but just be placed at the top of the list. You might get filled at a lower price if... |
Investing for Dummys | Books are a great place to start, Jason Kelly's The Neatest Little Guide to Stock Market Investing will give you a broad foundation of the stock & bond market. |
What to bear in mind when considering a rental home as an investment? | What are the most important facts to keep in mind as I consider this? IMHO, the most important consideration to keep in mind is - do you really want to be in the landlord business, and if so, how much experience do you have in this business? |
Dealing with Form 1099 | Am I required to send form 1099 to non-US citizens who are not even residing in the US? Since they're not required to file US taxes, do I still have to send the form to them? That's tricky. You need to get W8/W9 from them, and act accordingly. You may need to withhold 30% (or different percentage, depending on tax trea... |
How should I be contributing to my 401(k), traditional or Roth? | The Finance Buff discusses why the Roth 401k is often disadvantaged compared to a Traditional 401k in the article The Case Against the Roth 401k, including the following reasons (paraphrased): Contributions to the 401k come from the "top" of your highest tax bracket rate but withdrawals fill in from the "bottom". For ... |
What happens if I just don't pay my student loans? | Never forget that student lenders and their collection agencies are dangerous and clever predators, and you, the student borrower, are their legal prey. They look at you and think, "food." My friend said she never pays her student loans and nothing has happened. She's wrong. Something has happened. She just doesn't kn... |
Should I pay my Education Loan or Put it in the Stock Market? | The fact that you are planning to sell the property does not make paying down the mortgage a bad idea. Reducing the principal immediately reduces the amount of interest you are paying every month. Run the numbers to see how much money that actually saves you over the time you expect to hold the loan. |
Property Trust - who or what is the Owner? | I am not a lawyer, and I am assuming trusts in the UK work similar to the way they work in the US... A trust is a legally recognized entity that can act in business transactions much the same way as a person would (own real property, a business, insurance, investments, etc.). The short answer is the trust is the owner ... |
Automatic transaction on credit card to stay active | Put one of your monthly bills on it. (Utility bill, Netflix, monthly donation to charity, etc.) I have several automatic, recurring monthly charges on my credit card. If you don't have any current monthly bills that you want to switch, contact the Red Cross, or a charity of your choice. They would be very happy to cha... |
1040 or 1040NR this time? | 1040 or 1040NR depends on whether you are a resident alien or nonresident alien -- 1040/1040A/1040EZ for resident aliens, and 1040NR/1040NR-EZ for nonresident aliens. Determining whether you are a resident is somewhat complex, and there is not enough information in your question to determine it. Publication 519 is the ... |
Should I trade in a car I own to lower my payments on a new lease? | Trade-in values are generally below what you can get in a private sale. To directly answer your question, you should sell the crossover yourself and use the balance to purchase your new vehicle. I would encourage you to use the $9k to finance directly without a lease, especially if you are planning on financing after t... |
What economic, political and other factors influence mortgage rates (and how)? | Without commenting on whether or not it's needed I don't think we are going to see a QE3 and all the political pressure is for some reason to start raising rates. Regardless of how it plays out it's safe to say that the Fed Rate isn't going any lower. You should also watch closely what happens to Fannie and Freddie.... |
What are the differences between gold/siver “coin” vs. “round”? | littleadv gave a great answer, but neglected to mention one thing. Modern minted coins usually only contain a (high) percentage of a precious metal. For example pre-1965 quarters are 90% silver and 10% other, to maintain strength and durability. Rounds of silver bullion are usually .9999%, or fine, silver, which is c... |
Owner-Financed home sale or Land Contract — how to handle the transaction and the ongoing entity? | If you do the financing, get a large down payment and make a short loan. Do not expose yourself to risk with a 30 year note, and get some major money up front so the buyer has some skin in the game and will continue to make payments. |
Should I find a regular job or continue doing what am doing? | This might sound harsh, but the first thing I would suggest is to stop making excuses. I wasn't able to continue due to pressure from college and family The college I went to was horrible. Employers can very easily hire foreign work-force for very cheap; for example as a citizen if I work $10 an hour, they can get... |
Using simple moving average in Equity | A shorter term MA would be used for short term changes in price whilst a long term MA would be used for longer term movements in price. A 200 day SMA is widely used to determine the trend of the stock, simply a cross above the 200 day SMA would mean the stock may be entering an uptrend and a cross below that the price... |
How to spend more? (AKA, how to avoid being a miser) | I spend hours researching two comparable products to try to save $3. Me too! I have also argued for hours with customer support to get $5/month off a bill (that's $60/year!), and I feel guilty every time I eat out or do something remotely luxurious, like getting fries with my $1 McChicken. Geez, even when I play video ... |
Is buying a lottery ticket considered an investment? | There is a clear difference between investing and gambling. When you invest, you are purchasing an asset that has value. It is purchased in the hopes that the asset will either increase in value or generate income. This definition holds true whether you are investing in shares of stock, in real estate, or in a comic b... |
What is the difference between a stop order and a stop limit order? | An attempt at a simple answer for the normal investor: A normal investor buys stock then later sells that stock. (This is known as "going long", as opposed to "going short"). For the normal investor, a stop order (of either kind) is only used when selling. A stop-loss sell order (or stop sell) is used to sell your sto... |
Can I move my 401k to another country without paying tax penalty? | I doubt that there is an arrangement with any country that would allow you to transfer money out of a 401(k) and roll it over to another country that isn't governed by US Tax Laws without taking a distribution. The US government won't let you pull out like that without taking its cut. There may be, but I'd be surprise... |
What's the benefit of opening a Certificate of Deposit (CD) Account? | Others have pointed out why one typically chooses a CD: to lock in an interest rate that's higher than most other savings accounts (at the expense of having quick access to your money). While most savings accounts have practically 0% return, there are high yield savings accounts out there with little to no strings that... |
Can I withdraw from my Roth IRA retirement account to fund a startup? | Yes, it is possible to withdraw money from your Roth IRA before retirement (but I wouldn't necessarily advise you to do so.) Here's the good news, and the bad news: The good news: Unlike a traditional IRA, money contributed to a Roth IRA is done so on an after-tax basis, meaning you don't benefit from a tax deduction ... |
Is it normal for brokers to ask whether I am a beginner? | In many places there are legal requirements to do so, essentially made to prevent brokers from selling high-risk products as if they were deposits with guaranteed safety of your funds. There also may be prohibitions on offering high-risk/high-return products to beginner customers, e.g. requiring accredited investor sta... |
Which set of earnings is used to work out the P/E of a stock | This is a note from my broker, CMC Markets, who use Morningstar: Morningstar calculate the P/E Ratio using a weighted average of the most recent earnings and the projected earnings for the next year. This may result in a different P/E Ratio to those based solely on past earnings as reported on some sites and other publ... |
Why buy insurance? | One reason is that insurance gives you tranquility. Without insurance, you live with the uncertainty of not knowing if/when disaster is going to strike. Insurance allows you to trade this uncertainty for regular monthly/yearly payments. |
Uncashed paycheck 13 years old | Under US law, a bank is not obligated to honor a check that is more than six months old. § 4-404. BANK NOT OBLIGED TO PAY CHECK MORE THAN SIX MONTHS OLD. A bank is under no obligation to a customer having a checking account to pay a check, other than a certified check, which is presented more than six months after its ... |
Question about car loan payment | You can earn significantly more than 0.99% in the stock market. I'd pay the $450/month and invest the rest in a (relatively conservative) stock market fund, making monthly withdrawals for the car note. |
Exercise ISO or NSO in solo 401k? | You have a Solo 401(k). You can fund it with cash, or I believe, with shares of your own company. You can't pull in other assets such as the ISOs from another employer. I see why that's desirable, but it's not allowed. You wrote "this will mitigate all tax complications with employee stock options." But - you can't t... |
Are forward curves useful tools for trading decisions and which informations can be gathered from them? | As far as trading is concerned, these forward curves are the price at which you can speculate on the future value of the commodity. Basically, if you want to speculate on gold, you can either buy the physical and store it somewhere (which may have significant costs) or you can buy futures (ETFs typically hold futures ... |
When can you adjust for (and re-allow) a disallowed year-end (December) wash-sale loss? | Disallowed losses are created when you buy a stock */- 30 days of a sale at a loss. When you sell and have no shares left, the loss is taken. You can't have no shares and leftover disallowed loss. |
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