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Withholding for unexpected Short-Term Capital Gains and Penalties | The safe harbor provision is based on the tax you or the prior year. So in 2016 this helped you as your tax was substantially increased from 2015. However, by the same token in 2017 your safe harbor amount is going to be very high. Therefore if 2017 is similar you will owe penalties. The solution here is to make estima... |
How to prevent myself from buying things I don't want | There are a lot of good answers above, all of them will probably work for you in some way or another. One point to note (from the procrastination theme) is that you could invest your free money that you have currently in some investment instrument which would require you to do some paperwork etc. to get out, this way t... |
Buy or sell futures contracts | In general there are two types of futures contract, a put and call. Both contract types have both common sides of a transaction, a buyer and a seller. You can sell a put contract, or sell a call contract also; you're just taking the other side of the agreement. If you're selling it would commonly be called a "sell t... |
When (if) I should consider cashing in (selling) shares to realize capital gains? | How about this rule? Sell 10% of your shares every time they double in price. (of course, only buy stocks that repeatedly double in price) |
How does stabilization work during an IPO? | There are no "rules" about how the price should act after an IPO, so there are no guarantee that a "pop" would appear at the opening day. But when an IPO is done, it's typically underpriced. On average, the shares are 10% up at the end of the first day after the IPO (I don't have the source that, I just remember that f... |
Why are big companies like Apple or Google not included in the Dow Jones Industrial Average (DJIA) index? | In addition to the answers provided above, the weight the Dow uses to determine the index is not the market capitalization of the company involved. That means that companies like Google and Apple with very high share prices and no particular inclination to split could adversely effect the Dow, turning it into essential... |
Withdraw USD from PayPal without conversion to my home currency of EUR? | I just tried doing that on my PP which is in the Netherlands, I have added a USD bank account (from my dutch bank) and they sent the verification amount in Euros, I called the bank and wonder why they didn't let me choose account currency they said it's not possible and if I cashout Dollars that I have in my PP (cause ... |
How can I determine if a FHA loan refinance offer is from a reputable lender | Start with the list of mortgage companies approved to work in your area. There are 80 within 10 miles of my house, and more than 100 in my county. Pick ones you know because they are established businesses in your area, region, or even nationally. A good place to start might be with your current lender. The risk you ... |
Credit card issued against my express refusal; What action can I take? | As far as the banker himself goes, it's a customer service issue. WF is not going to tell you about their internal discipline (or oughtn't, anyway), other than potentially to confirm that the banker does or does not still work there; that's the closest they should get to telling you about it. I'm a (very) former reta... |
Intrinsic value of non-voting shares which don't pay dividends | Even with non-voting shares, you own a portion of the company including all of its assets and its future profits. If the company is sold, goes out of business and liquidates, etc., those with non-voting shares still stand collect their share of the funds generated. There's also the possibility, as one of the comments... |
Is this Employee Stock Purchase Plan worth it when adding my student loan into the equation? | In many ESPP programs (i.e. every one I've had the opportunity to be a part of in my career), your purchase is at a discount from the lower of the stock prices at the start and end of the period. So a before-tax 5% return is the minimum you should expect; if the price of the stock appreciates between July 1 and Decembe... |
Last trade is bought? or sold? | When there is a trade the shares were both bought and sold. In any trade on the secondary market there has to be both a buyer and a seller for the trade to take place. So in "lasttradesize" a buyer has bought the shares from a seller. |
First time consultant, doubts on Taxation | I would look into the possibility that the promise "that no taxes will be withheld" is all about your status as a 'consultant'. They may be meaning you to be treated like a business they buy services from. In Canada the distinction is very watery and I presume the same in India. If you agree to become a business, the... |
What is the name of inverse of synergy? (finance) | You could call it "multiple streams of income" a la Robert Allen and others. Or you could call it "Do once, sell many" or something like that. |
Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? | You are getting totally hosed mate. Assume you live in the house for ten years, can get a normal 30 year mortgage and house prices average at 3% annually You could get a mortgage at 3.8% so your monthly payment would be $560 a month. $60 a month difference over 10 year is $7200 Because you are paying down on a conven... |
What are my options to deal with Student Loan debt collectors? | You have not specified what country you are in. That radically changes everything. In case you are in Canada, there's a great blog that covers bankruptcy and student loans, at http://student-loan-bankruptcy.ca/. Fundamentally, in order to discharge government-backed student loans, you must have ceased to be a student f... |
What are investment options for young married couple with no debt that have maxed out retirement savings? | 4.7 is a pretty low rate, especially if you are deducting that from your taxes. If you reduce the number by your marginal tax rate to get the real cost of the money you end up with a number that isn't far off from inflation, and also represents a pretty low 'yield' in terms of paying off the loan early. (e.g. if you... |
I'm thinking about selling some original artwork: when does the government start caring about sales tax and income tax and such? | If you sell through an intermediate who sets up the shop for you, odds are they collect and pay the sales tax for you. My experience is with publishing books through Amazon, where they definitely handle this for you. If you can find a retailer that will handle the tax implications, that might be a good reason to use th... |
Why would we need a “stop-limit order” for selling? | One practical application would be to protect yourself from a "flash crash" type scenario where a stock suddenly plunges down to a penny due to transient market glitches. If you had a stop-loss order that executed at a penny (for a non-penny stock) it would be probably be voided by the exchange, but you might not want ... |
stock for a particular brand | If you want to invest in the Windows Phone, then you go and find out who makes the Windows Phone i.e. Microsoft. Then you go and decide if Windows Phone is successful will the share price of Microsoft go up (own research/deduction) and if you think that the price of Microsoft has a positive correlation with the Windows... |
What is the incentive for a bank to refinance a mortgage at a lower rate? | What are you missing? Volume. Bank of America is more than willing to refinance a loan from Wells Fargo as long as the loan is still profitable. There are some caveats with that, though. For one, many land have penalties if they are paid off within two or three years. Additionally, the fact that banks are offering to r... |
Long(100%)-Short(-100%) investment explanation | If you mean the percentages of long/short positions within a mutual fund or ETF, then it's a percentage of the total value of the fund portfolio. In that case, positions of 50% in X, -50% in Y are not the same as 100% in X, -100% in Y. If the long and short positions are both for the same asset, then, as D Stanley ment... |
How can I understand why investors think a particular company should have a high PE ratio? | Does the company see itself expanding into new product lines or new territories? What is the current predicted growth for the company's earnings for the next 5 years? These would generally be where I'd look for growth in companies. In the case of Costco, there may be a perception of the company as being a "safe" compan... |
Buying a small amount (e.g. $50) of stock via eToro “Social Trading Network” using a “CFD”? | Concerning the Broker: eToro is authorized and registered in Cyprus by the Cyprus Securities Exchange Commission (CySEC). Although they are regulated by Cyprus law, many malicious online brokers have opened shop there because they seem to get along with the law while they rip off customers. Maybe this has changed in th... |
What is the most effective saving money method? | A trick that works for some folks: "Pay yourself first." Have part of your paycheck put directly into an account that you promise yourself you won't touch except for some specific purpose (eg retirement). If that money is gone before it gets to your pocket, it's much less likely to be spent. US-specific: Note that if y... |
Should the price of fuel in Australia at this point be so high? | Fuel prices are regulated in most countires. The way its regulated differs. Essentially the idea is once the retail prices are up, they are normally kept that level so that a buffer profit is built, now if the fuel prices increase beyond the retail price can still be kept same using the buffer built up. |
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. |
Can I donate short-stock to charity? | With a short position you make your money (profit) when you buy the stocks back to close the position at a lower price than what you bought them at. As short selling is classed as speculation and not investing and you at no time own any actual assets, you cannot donate any short possition to charity. If you did want to... |
Risks associated with investing in dividend paying stocks for short term income. Alternatives? | Usually when a company is performing well both its share price and its dividends will increase over the medium to long term. Similarly, if the company is performing badly both the share price and dividends will fall over time. If you want to invest in higher dividend stocks over the medium term, you should look for com... |
Are bonds really a recession proof investment? | Bonds by themselves aren't recession proof. No investment is, and when a major crash (c.f. 2008) occurs, all investments will be to some extent at risk. However, bonds add a level of diversification to your investment portfolio that can make it much more stable even during downturns. Bonds do not move identically to t... |
How can people have such high credit card debts? | I'm not sure if the rules in Canada and the US are the same. I'm as amazed as you are by the amounts of debts people have, but I can see how this credit can be extended. Generally, with good credit history and above average pay - it is not unheard of to get about $100K credit limit with a bunch of credit cards. What yo... |
What is the rough estimate of salary value for a taxpayer to pay AMT? | Turbox Tax states the following: "For 2015, the AMT exemption amounts are $53,600 for individual taxpayers, $83,400 for married taxpayers filing jointly and surviving spouses, and $41,700 for married persons filing separately. This is the amount you're allowed to deduct from your taxable income before applying the AMT... |
What is a checking account and how does it work? | A checking account is one that permits the account holder to write demand drafts (checks), which can be given to other people as payment and processed by the banks to transfer those funds. (Think of a check as a non-electronic equivalent of a debit card transaction, if that makes more sense to you.) Outside of the abil... |
Does girlfriend have too much savings, time to invest? | It's time she look into what employer provided retirement plan she can use. She's at the point where she should think about investing for the long term, with retirement in mind. |
Taking out a loan to pay down a mortgage | You're not crazy, but the banks are. Here's the problem: You're taking 100% LTV on property A - you won't be able to get a second mortgage for more than 80% total (including the current mortgage) LTV. That's actually something I just recently learned from my own experience. If the market is bad, the banks might even lo... |
What is the stock warrant's expiration date here? | These warrants do not have a fixed expiration date, rather their expiration date is dependant upon the company completing an acquisition. Thirty days after the acquisition is complete the warrants enter their exercise period. The warrants can then be exercised at any time over the next five years. After five years t... |
Commencing a Pension from an SMSF | No. Disclaimer - As a US educated fellow, I needed to search a bit. I found an article 7 Common SMSF Pension Errors. It implied that there are minimum payments required each year as with our US retirement accounts. These minimums are unrelated to the assets within the account, just based on the total value. The way I r... |
US Self-Employment Tax: Do expenses stack with the 50% SE deduction? | Business expenses reduce business income. The SE tax is paid on business income. The credit for 1/2 the SE tax is based on the amount of SE tax paid. So: |
Trade? Buy and hold? Or both? | You don't seem to be a big fan of trading as you may think it may be too risky or too time consuming being in front of your computer all day long. You also don't seem to be a fan of buy and hold as you don't know what your investments will be worth when you need the funds. How about a combination of the two, sometimes ... |
High Leverage Inflation Hedges for Personal Investors | I assume you're looking for advice, not an actual guaranteed-to-appreciate answer, yes? If you believe Treasury bonds will increase as fast as inflation, that may be the way to go. |
Fractional Reserve Banking and Insolvency | A bank is insolvent when it can no longer meet its short-term obligations. In this example, the bank is insolvent when depositors withdraw more cash than the bank can pay out. In this case, it's probably something in the range of $600-700k, because the bank can borrow money from other banks using assets as collateral.... |
(Legitimate & respectable) strategies to generate “passive income” on the Internet? | One such place where you can sell your photos is iStockPhoto. They are pretty picky about the photos they allow, so you should be a pretty good photographer and have good equipment. It can take a while to build up an interest in your photos, but once you do you can make some decent money off it. My sister is a semi-... |
How to handle taxes related to affiliate marketing? | Is it right that I request form W-9 or form W-8BEN (for non U.S. citizens) from the affiliate users before sending them payments? Not just OK. Required. I know that I have to send form 1099, but I don't know where does this form should go to. Should I send it to the IRS or the affiliate user or both? Both. There'... |
Pros/cons of borrowing money using a mortgage loan and investing it in a low-fee index fund? | Essentially, what you're describing is a leveraged investment. As others noted, the question is how confident you can be that (a) the returns on the investment will exceed what you're paying in interest, and (b) that if you lose the bet you'll still be able to pay off the loan without severely injuring yourself. I di... |
Any experience with maxing out 401(k)? | Everybody else has given great answers on what to do, but I just want to add some encouragement. Keep saving. Learn to live within your means while saving, and things like houses and cars and new electronics will come. You can always wait a year and save money up for that new TV, but when retirement hits you are out ... |
Why would my job recruiter want me to form an LLC? | The "independent contractor" vs. "employee" distinction is a red herring to this discussion and not at all important just because someone suggested you use your LLC to do the job. Corp-2-Corp is a very common way to do contracting and having an LLC with business bank accounts provides you with more tax deductions (such... |
Best way to buy Japanese yen for travel? | Unless you need extremely large sums of money, I suggest you use an ATM or look for a credit card that has no foreign transaction fees (rare). AFAIK, it's not possible for a retail buyer to purchase currency at the current exchange rate quoted online. You are always going to be paying some spread above that, and the A... |
Is an analyst's “price target” assumed to be for 12 months out? | Analysts normally (oxymoron here) gauge their targets on where the stock is currently and more importantly where it has been. Except for in the case of say a Dryships where it was a hundred dollar stock and is now in the single digits, it is safe to assume that Apple for instance was well over $ 700 and is now at $500,... |
Should an IRA be disclaimed to allow it to be distributed according to a will? | There are two different possible taxes based on various scenarios proposed by the OP or the lawyer who drew up the OP's father's will or the OP's mother. First, there is the estate tax which is paid by the estate of the deceased, and the heirs get what is left. Most estates in the US pay no estate tax whatsoever beca... |
Military Separation | It's not usually a good idea to buy a house as an investment. Buy a house because you want the house, not for an investment. Your money will make more money invested somewhere other than a house. Additionally, based on talking about renting rooms to pay the mortgage and the GI bill, I assume you are planning on going t... |
Should I learn to do my own tax? | Interesting. When you say DIY you mean pencil and paper. For most of us the choice came down to using a professional vs using the software. Your second bullet really hits the point. The tax return is a giant spreadsheet with multiple cells depending on each other. Short of building my own spreadsheet to perform the ta... |
How to calculate my estimated taxes. 1099 MISC + Self Employment | There is a shortcut you can use when calculating federal estimated taxes. Some states may allow the same type of estimation, but I know at least one (my own--Illinois) that does not. The shortcut: you can completely base your estimated taxes for this year on last year's tax return and avoid any underpayment penalty. ... |
Can I get a dumbed down explanation of risk measures used for evaluating stocks? | Standard deviation from Wikipedia : In statistics and probability theory, the standard deviation (represented by the Greek letter sigma, σ) shows how much variation or dispersion from the average exists.1 A low standard deviation indicates that the data points tend to be very close to the mean (also called expe... |
How to learn about doing technical analysis? Any suggested programs or tools that teach it? | Recommended? There's really no perfect answer. You need to know the motivations of the participants in the markets that you will be participating in. For instance, the stock market's purpose is to raise capital (make as much money as possible), whereas the commodities-futures market's purpose is to hedge against produc... |
Do I pay a zero % loan before another to clear both loans faster? | This is a very complicated thing to try to do. There are many variables, and some will come down to personal taste and buying habits. First you need to look at each of the loans and find out two very important things. Some times you pay a huge penalty for paying off a loan early. Usually this is on larger loans (like ... |
How to Buy “Exotic” Bonds as a Low Net Worth Individual? | There are discount brokers which charge lower fees, which ones are accessible to you will depend on your country. Here's a list for the USA: https://the-international-investor.com/comparison-tables/online-discount-stock-brokers-comparison-table But seriously, as a "low net worth individual", the last thing you should b... |
Company asking for card details to refund over email | If it is a well known company that wants to give you a refund, I would not worry about giving them your credit card number. However, I would never type my credit card number into an e-mail message. E-mail messages are very insecure, and can be read by many people along its way to the destination. They also can be arch... |
Apartment lease renewal - is this rate increase normal? | I think people are missing the most obvious thing. The yearly rate increases are just part of the landlord schtick and it is good business for them. My grandmother owned several large apartment complexes. She would raise rates for any resident that had been there between 1-5 years by 5-7% a year. Even when she had ... |
Do I make money in the stock market from other people losing money? | In gambling, the house also takes a cut, so the total money in the game is shrinking by 2-10 percent. So if you gain $100, it's because other people lost $105, and you do this for dozens of plays, so it stacks up. The market owns companies who are trying to create economic value - take nothing and make it something. ... |
Why are residential investment properties owned by non-professional investors and not large corporations? | Because the returns are not good. One of the big drivers in Australia is "negative gearing": if your investment loses money you can offset losses against your tax on other income. Institutional investors and corporations are in the business of making money: not losing it. Housing market investors are betting that these... |
Automatic transaction on credit card to stay active | Putting money into your Amazon gift card balance is also a very convenient option, but I like these recurring Red Cross and Wikipedia ideas also. |
How are Share Awards and Sales Treated? | You likely received the shares as ordinary income for services of $10k, since they withheld taxes at granting. Separately, you likely had a short term capital loss on sale of $2k, since your holding period seems to have been under one year. |
How can I check my credit score? | http://annualcreditreport.com/ That's the official site for getting your free yearly credit report (one free per year from each of the 3 reporting bureaus). |
Can we estimate the impact of a large buy order on the share price? | Orders large enough to buy down the current Bid and Ask Book are common. This is the essential strategy through which larger traders "Strip" the Bid or Ask in order to excite motion in a direction that is favorable to their interests. Smaller traders will often focus on low float/small cap tickers, as both conditions t... |
Why would anyone want to pay off their debts in a way other than “highest interest” first? | If you have a debt that has very low interest now, but you are aware that it's not going to stay that way (0% introductory APR on a credit card, for example), it can make sense to pay that off before the higher rate kicks in. |
Would I ever need credit card if my debit card is issued by MasterCard/Visa? | I was hoping to comment on the original question, but it looks to me like the asker lives in the EU, where credit cards are a lot less common and a lot of the arguments (car rental, building up of credit etc) brought forward by people living in the US just don't apply. In fact especially airlines (and other merchants)... |
Possibility of donations in an educational site | You can have a way for people to pay, i.e. some kind of payment gateway. Run as Business: Best create a company and get the funds there. This would be treated as income of the website and would be taxed accordingly. One can deduct expenses for running the website, etc. Run as Charity: Register as one, however the cause... |
Why is stock dilution legal? | Stock dilution is legal because, in theory, the issuance of new shares shouldn't affect actual shareholder value. The other answers have explained fairly well why this is so. In practice, however, the issuance of new shares can destroy shareholder value. This normally happens when the issuing company: In these cases, ... |
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 ... |
Should I take contributions out of my Roth IRA to live off of? | Take another job. From a personal finance perspective this is the wrong reason to dip into a retirement account. You will lose so much ground towards actually retiring. Sure you won't be taxed, but you will be missing so much opportunity where that money won't be working for your retirement. The off-topic answer to ... |
Missing 401(k) dividends | Your investment is probably in a Collective Investment Trust. These are not mutual funds, and are not publicly traded. I.e. they are private to plan participants in your company. Because of this, they are not required* to distribute dividends like mutual funds. Instead, they will reinvest dividends automatically, incre... |
Pros & cons in Hungary of investing retirement savings exclusively in silver? What better alternatives, given my concerns? | This sound like a very bad idea. If you invest exclusively in silver, your investment is not diversified in any way. This is what I would call risky. Have a look at index funds and ETFs and build a diversified portfolio. It does not take much time, and you don't need to let it do by someone else. They are risky too, bu... |
What economic, political and other factors influence mortgage rates (and how)? | If you owned a bank how would you invest the bank's money? Typically banks are involved in loaning out money to businesses, people, and government at a higher interest rate then what they are paying to depositors. This is the spread and how they make money. If the bank determines that the yields on government bonds i... |
I am a contractor with revenue below UK's VAT threshold. Should I register for VAT? | If you are providing VAT-liable services (you probablly are) and you register normally for VAT then you will be able to reclaim VAT on your buisness purchases but you will have to charge VAT to your clients. So the question really comes down to will your clients regard you adding VAT to their invoices as a price increa... |
What does it mean to be “offset against taxable gains”? | Offset against taxable gains means that the amount - $25 million in this case - can be used to reduce another sum that the company would otherwise have to pay tax on. Suppose the company had made a profit of $100 million on some other investments. At some point, they are likely to have to pay corporation tax on that am... |
Total gain of portfolio including sold stocks? | You could create your own spreadsheet of Cash Flows and use the XIRR function in Excel: The formula is: |
Effect of Job Change on In-Progress Mortgage Application | I recommend you ask this question to a qualified mortgage broker. We just closed on our first house. My wife & I have had several years of stable jobs, good credit scores, and a small side business with 1040 Schedule-C income... and we were surprised by the overwhelming amount of documentation we needed for the loan.... |
Is threatening to close the account a good way to negotiate with the bank? | From the bank's perspective, they are offering a service and within their rights to charge appropriately for that service. Depending on the size of their operation, they may have considerable overhead costs that they need to recoup one way or another to continue operating (profitably, they hope). Traditionally, banks w... |
PayPal wants me to “add a bank account”, another funding source. Credit card isn't working. Why? | I'm guessing that you've reached the value limit of a payment that can be made without linking your account to a bank account. While you want privacy, PayPal wants to not be a money launderer. You may need to seek an alternative way to pay for this if you're trying to be private about it. |
Best way to invest money as a 22 year old? | Most important: Any gains you make from risking this sum of money over the next few years will not be life changing, but if you can't afford to lose it, then losses can be. Rhetorical question: How can you trust what I say you should do with your money? Answer: You can't. I'm happy to hear you're reading about the stoc... |
Is insurance worth it if you can afford to replace the item? If not, when is it? | As many other posters have pointed out, unless you know (and your insurer doesn't) that because of any reason you are more likely than the average to damage your computer, insuring it doesn't really make a lot of sense if you can comfortably replace it should the worst happen. In this particular case of a laptop, insur... |
Why is everyone saying how desperately we need to save money “in this economy”? | I would add to the other excellent answers that another factor besides just high unemployment numbers is the fear people have regarding the "financial" aspects of the country, that is the value of stocks and the value of the dollar. When the economy is sluggish it means people aren't buying enough, therefore companies... |
Why does BlackRock's XIN page show XIN as having only 1 holding? | EFA must be bought and sold in US dollars. XIN allows people to buy and sell EFA in Canadian dollars without exposing their investment to unpredictable swings in the USD/CAD ratio. This is what's known as a currency-hedged instrument. Now, why the chart sums up to over 100% is anyone's guess. Presumably it's the resu... |
When does giving a gift “count” for tax year? | Based on past case law, a check made payable to qualified charity and delivered (e.g., placed in the mail on 12/31 would count as delivered as it is out of the hands of the donor) would fall under the "constructive receipt doctrine". However, for non-charitable gifts (e.g., gifts to family members) it is the date the c... |
Is gold really an investment or just a hedge against inflation? | Gold is a commodity. It has a tracked price and can be bought and sold as such. In its physical form it represents something real of signifigant value that can be traded for currency or barted. A single pound of gold is worth about 27000 dollars. It is very valuable and it is easily transported as opposed to a car w... |
Should I invest $35,000 for 3-5 months? [duplicate] | Is it possible to profit from some of this money in the short term before I need to access it? Sure, it's possible. But if the stock market decides to "correct" (or even crashes), you'll be in a world of hurt. Thus, since it's so important that you not lose this money, just stick it in an online bank earning 1.2%, and... |
Are SPDR funds good for beginners? | No, SPDR ETFs are not a good fit for a novice investor with a low level of financial literacy. In fact, there is no investment that is safe for an absolute beginner, not even a savings account. (An absolute beginner could easily overdraw his savings account, leading to fees and collections.) I would say that an inves... |
What are the ramifications of lawsuits over “breaches of fiduciary duty” for the average shareholder? | Mostly these are results of arguments between shareholders. These suits come when shareholders alleged that directors didn't act in their best interests. Unless its a class action suit, I'd say there's no ramifications for an average shareholder. |
What's the best way to make money from a market correction? | Depends on how long you're willing to invest for. Broadly speaking, the best (by which I mean, more reliably repeatable) way to make money from market corrections is to accept them as a fact of life, and not sell in a panic when they happen, such that the money you already invested can ride back up again. Put another w... |
Is there any advantage to owning equity in a company compared to a royalty agreement? | Each way you go is a little bit of a gamble. Owning equity in the company is best in situations where you can trade and sell that equity, or where the dilution of your royalty product would affect your returns, or if you can maintain a certain equity stake without working at the company or if you can hold out on taki... |
Expecting to move in five years; how to lock mortgage rates? | First consider the basic case of what you are asking: you expect to have a future obligation to pay interest, and you are concerned that the rate when you pay it, will be higher than the rate today. In the simplest case, you could theoretically hedge that risk by buying an asset which pays the market interest rate. As ... |
Algorithmic trading in linux using python | You can have a look at betabrokers. It's an simulated stock trading platform which is entirely email-based. You start with 10 000$ and you make transactions with commands in the subject line of the email (e.g. "buy 250$ AAPL" or "cover 20 shares of AAPL"). It should be straightforward to add an email interface to your ... |
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. |
I'm only spending roughly half of what I earn; should I spend more? | Heck no, don't spend more! I saved a ton of money when I got my first real job. You won't always be able to do this. Save a bundle while you can. |
How can banks afford to offer credit card rewards? | Michael Pryor's answer is accurate to the actual question asked. The current accepted answer from Dheer is not entirely true but roughly provides an overview of the different entities involved in a typical transaction, with some wrong terminologies, corrected and improved below. The issuing bank, the one that issues t... |
Should I have a higher credit limit on my credit card? | If you want to stay in the sub 30% range to avoid 'high utilization' on your card, make sure your credit is > 3.33x your usage. For your numbers, a 2500 limit would probably keep you out of 'high utilization'. The primary reason to do this is to stay off your lender's 'high risk' list. Due to the risk perceived by CC... |
Do I have to explain the source of *all* income on my taxes? | @RonJohn's answer for pallet of $20's is right for the specific case. For the general case of all income, it depends on whether or not the the source of the income was potentially criminal. https://www.forbes.com/sites/timtodd/2015/11/16/a-win-for-the-5th-amendment-at-the-tax-court/ I am not a lawyer, but reading that ... |
Investment strategy for 401k when rolling over soon | You will be rolling over the proceeds, since you can only deposit cash into an IRA. However, this should probably not affect your considerations much since the pre-rollover sale is non-taxable within the 401k and the period of roll-over itself (when the cash is uninvested) is relatively short. So, whatever investments ... |
Is insurance worth it if you can afford to replace the item? If not, when is it? | Insurance is for events that are both and Unexpected and, for many people, catastrophic events are, for example, sickness, disability, death, car accidents, house fires, and burglaries, for which you may buy health, disability, life, auto, home, and renter's insurance. It may be catastrophic for a family relying on a ... |
Can the risk of investing in an asset be different for different investors? | Capping the upside while playing with unlimited downside is a less disciplined investment strategy vis-a-vis a stop-loss driven strategy. Whether it is less risky or high risky also depends on the fluctuations of the stock and not just long-term movements. For example, your stop losses might get triggered because of a ... |
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