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If someone gives me cash legally, can my deposit trigger an audit for them? | Am I right to worry about both of these? Of course. Who carries $75K in cash for no good reason? Your friend got the cash from somewhere, didn't he? If its legit - there's paper trail to show. Same for your parents. If you/they can show the legit paper trail - there's nothing to worry about, the hassle, at worse, is a ... |
Personal Loan issuer online service | http://www.calcamo.net/loancalculator/simulation/fixed-rate-loan.php5 This website is a calculator only and has some extra features that take into account late payments, paying extra to reduce principal, and has the ability to export amortization table to excel that you could use to keep track of the loan. If you are... |
For a major expensive home renovation (e.g. addition, finished basement, or new kitchen) should one pay cash or finance with a loan? Would such a loan be “good” debt? | The reason for borrowing instead of paying cash for major renovations should be the same for the decision about whether to borrow or pay cash for the home itself. Over history, borrowing using low, tax-deductible interest while increasing your retirement contributions has always yielded higher returns than paying off ... |
How to share income after marriage and kids? | I started out thinking like you but I quickly realised this was a bad approach. You are a team, aren't you? Are you equals or is one of you an inferior of lower value? I think you'll generate more shared happiness by acting as a team of equals. I'd pool your resources and share them as equals. I'd open a joint account ... |
Is this mortgage advice good, or is it hooey? | Sounds fishy - taking out more debt to pay the main mortgage down faster? There are a couple of issues I can see: I would think that a much more sensible strategy with a lot less risk is to save up extra cash and send your lender a check every quarter or six months. |
Deferring claim of significant purchase of RRSPs | You can defer RRSP deductions like you've suggested. Here's an article from the CBC about it: http://www.cbc.ca/news/business/taxseason/story/2010/03/15/f-taxseason-delay.html |
Why should a company go public? | The reason to go public is to get money. Not to be snarky, but your question is like asking, "Why should a company try to sell its products, when if they just piled them up in a warehouse they wouldn't have to worry about shipping and customer complaints and collecting sales tax?" The answer, of course, is because they... |
Is it unreasonable to double your investment year over year? | I know it may not last longer but i was able to 2.5x my wealth over last 2 years.(2016, 2017 cont) I was successfully able to convert 70k into 452k in 21months. Now at this amount, I am really worried and want to take all the profit. I agree that I have been lucky with these returns but it was not all outright luck. No... |
Which is better when working as a contractor, 1099 or incorporating? | If you start an LLC with you as the sole member it will be considered a disregarded entity. This basically means that you have the protection of being a company, but all your revenues will go on your personal tax return and be taxed at whatever rate your personal rate calculates to based on your situation. Now here i... |
How to exclude stock from mutual fund | Owning a stock via a fund and selling it short simultaneously should have the same net financial effect as not owning the stock. This should work both for your personal finances as well as the impact of (not) owning the shares has on the stock's price. To use an extreme example, suppose there are 4 million outstanding... |
Where can I find the dividend history for a stock? | I second @DumbCoder, every company seems to have its own way of displaying the next dividend date and the actual dividend. I keep track of this information and try my best to make it available for free through my little iphone web app here http://divies.nazabe.com |
Is there a candlestick pattern that guarantees any kind of future profit? | By definition, there are no guaranteed profits. There are sometimes arbitrage opportunities, which are more accessible to some investors than others. In this case, I'm not referring to HFT as that is covered elsewhere on this site already. At certain times, in certain equity markets, candlestick charts were used for p... |
Does it make sense to buy a house in my situation? | Personally I would hold off on buying a house until you have the credit card paid down even more or paid off completely so that it is one less bill you have to worry about and once it is paid off you free up that much more money to maintain the home. Likewise, you also have a lot of variables right now and the resoluti... |
What does “Settling your Debt” entail, and how does it compare to other options? | These agencies consolidate your debt and make it an easy monthly instalment for you. They also try to negotiate with credit cards. They do so for a fee. Other option is to not pay the debt. During this time , expect credit cards to keep sending you bills and reminders and ways to contact you. Once it is not paid for a ... |
What price can *I* buy IPO shares for? | It depends a large part on your broker's relationship with the issuing bank how early you can participate in the IPO round. But the nature of the stock market means the hotter the stock and the closer to the market (away from the issuing bank) you have to buy the higher the price you'll pay. The stock market is a secon... |
Credit card interest calculator with grace period & different interest rate calculation methods? | I thought it was such a useful suggestion that I went ahead and created them. I'm sure you're not the only one who could derive some benefit from them, I know I will. http://www.investy.com/tools When I have some additional time, I will add the option for grace-periods, but for now I wanted to get them up so you could ... |
How prudent would it be to invest (stocks/equity) in businesses that are based on Cash transactions? | Every listed company needs to maintain book of accounts, when you are investing in companies you would have to look at what is stated in the books and along with other info decide to invest in it. |
Where does the money go when I buy stocks? | When you buy a share of stock, you are almost always buying from someone who previously purchased that share and now wants to sell it. The money -- minus broker's fee -- goes to that other investor, which may be a person, a company (rarely the company that issued the stock, but that will occasionally be the case), an i... |
If I'm going to start doing my own taxes soon, do I need to start keeping receipts for everything? | The other reason you might want to keep receipts is if you do any freelancing or contract work, for your business expenses. You can take a picture of the receipts with your phone, or scan them - you don't have to keep the paper copies. |
What accounted for DXJR's huge drop in stock price? | Imagine you have a bank account with $100 in it. You are thinking about selling this bank account, so ask for some bids on what it's worth. You get quotes of around $100. You decide to sell it, but before you do, you take $50 out of it to have in cash. Would you expect the market to still pay $100 for the account? The ... |
Does the currency exchange rate contain any additional information at all? | No. An exchange rate tells you the exchange rate, that's all. Changes in exchange rates are a little more interesting because they suggest economic changes (or anticipation of such), but since the exchange rate is the composite of many economic forces, determining what changes may be in action from an exchange rate c... |
Legitimate unclaimed property that doesn't appear in any state directory? | for full disclosure I'm an Independent Contractor and work with Jeff Richman. @ Neil: Question 1: How legitimate is this? If you were never contacted by the company you would never know about the money. Period, end of story. Not trying to be rude but that is the bottom line truth. Look up asset recovery businesses. T... |
Alternative means of salary for my employees | You can't Your problem is that no one will value you new currency call it bytecoin. People will ask why is the bytecoin worth anything and you don't have an answer. You employees will have worthless currency and be effectively making under minimum wage. Its the same as if you printed Charles dollars with your face... |
How to calculate the price of a bond based with a yield to Maturity, term and annual interest? | Like all financial investments, the value of a bond is the present value of expected future cash flows. The Yield to Maturity is the annualized return you get on your initial investment, which is equivalent to the discount rate you'd use to discount future cash flows. So if you discount all future cashflows at 6% annu... |
Clarification on 529 fund | Yes, maybe. The 529 is pretty cool in that you can open an account for yourself, and change the beneficiary as you wish, or not. In theory, one can start a 529 for children or grandchildren yet unborn. Back to you - a 529 is not deductible on your federal return. It grows tax deferred, and tax free if used for approv... |
Brent crude vs. USD market value | I don't think the two are particularly linked. While Brick is right in that the price of oil is denominated in dollars, I don't think that's responsible for most of the movement here. Oil has been weak for intrinsic reasons related to oil: supply/demand imbalance, largely. (Oil also was way over-priced back when it w... |
Where to find CSV or JSON data for publicly traded companies listed with their IPO date? | Here is a list to Yahoo! Finance API. Not sure how much longer this will be support though: https://code.google.com/p/yahoo-finance-managed/wiki/YahooFinanceAPIs |
If I have all this stock just sitting there, how can I lend it out to people for short selling? | One alternative strategy you may want to consider is writing covered calls on the stock you have "just sitting there". This will allow you to earn a return (the premium from the calls) without necessarily having to give up your holding. As a brief overview, "options" are derivatives that give the holder the right (or ... |
What happens if a company you hold short merges with another company? | I don't have anything definitive, but in general positions in a company are not affected materially by what is called a corporate action. "Corp Actions" can really be anything that affects the details of a stock. Common examples are a ticker change, or exchange change, IPO (ie a new ticker), doing a split, or merging w... |
Optimize return of dividends based on payout per share | The term you're looking for is yield (though it's defined the other way around from your "payout efficiency", as dividend / share price, which makes no substantive difference). You're simply saying that you want to buy high-yield shares, which is a common investment strategy. But you have to consider that often a high-... |
How can I withdraw money from my LLC? | What you're asking about is called a "distribution" when it comes to an LLC. It's basically you paying yourself some or all of the proceeds of the business, depending on how you're set up. You can pay yourself distributions on a regular schedule, say monthly, or you can do it at the end of the year. Whatever you do i... |
How do I manage my portfolio as stock evaluation criteria evolve? | Don't sell. Ever. Well almost. A number of studies have shown that buying equal amounts of shares randomly will beat the market long term, and certainly won't do badly. Starting from this premise then perhaps you can add a tiny bit extra with your skill... maybe, but who knows, you might suck. Point is when buying y... |
Cosigning - cosigner won't pay and won't give any information or transfer asset | Is your name on the title at all? You may have (slightly) more leverage in that case, but co-signing any loans is not a good idea, even for a friend or relative. As this article notes: Generally, co-signing refers to financing, not ownership. If the primary accountholder fails to make payments on the loan or the reta... |
What will happen when a bid price is higher than an ask price? | It depends on the sequence in which the order [bid and ask] were placed. Please read the below question to understand how the order are matched. How do exchanges match limit orders? |
What's the catch with biweekly mortgage payments? | When you pay monthly, you're making 12 payments / year. Assuming you have a payment of $1000/mo, that's $12,000/year that you're paying for your mortgage. When you opt for bi-weekly, they're saying that you can pay half of your mortgage ($500) bi-weekly (can be configured to align with your paycheck). Since there are ~... |
Should I get a personal loan to pay on my mortgage to go “above water” to qualify for a refinance? | If you have a mortgage backed by FHA, Fannie, or Freddie I would hold off. There is talk of a new plan that would allow refi's on mortages that were underwater. I would expect rates to stay about the same for the forseeable future. Take that money you would spend each month on the personal loan and stick it into you... |
How to share income after marriage and kids? | I started this off as a comment to Joe's answer, but it got rather messy in that form so I'll just post it as a separate answer instead. I suggest that you read Joe's answer first. I believe you are overthinking this. First, you really should be discussing the matter with your girlfriend. We can provide suggestions, bu... |
What risks are there acting as a broker between PayPal and electronic bank transfers? | There are several red flags here. can they get my bank account info in any way from me transferring money to them? Probably yes. Almost all bank transactions are auditable, and intentionally cause a money track. This track can be followed from both sides. If they can use your bank account as if they were you, that is a... |
Split buying a house 3 ways. How do I approach this? | I would second the advice to not do this. Real estate ownership is complex to begin with, involving a constant stream of maintenance, financing, and other decisions. It is difficult enough to do for a single individual or a family as a unit (a couple), but at least spouses are forced to compromise. Friends are not, an... |
What do I need to do to form an LLC? | You can file an LLC yourself in most states, although it might be helpful to use a service if you're not sure what to do to ensure it is correct. I filed my LLC here in Colorado online with the Secretary of State's office, which provided the fill-in-the-blank forms and made it easy. In the U.S., taxation of an LLC is ... |
Can I contribute to an IRA from investment income? | Traditional IRA contributions can be made if you have compensation and the amount of the contribution is limited to the smaller of your compensation and $5500 ($6000 if age 50 or more). Note that compensation (which generally means earnings form working) is not just what appears on a W-2 form as salary or wages; it ca... |
Where are all those unsold vehicles? | When the 2016 models come out, the dealership marks down the 2015 model and then it sells pretty fast. The process doesn't take that long in the car market because the 2015 models are just as good as the 2016 so if they are just a little cheaper, they will sell quickly. If you want a 2008 Audi that has never sold, yo... |
From ACH direct debit to Prepaid card? | This would be exactly the sort of product that a thief would want, if they had got ahold of some account numbers and wanted to steal the money from those accounts, in a way that would let them spend it as conveniently as possible. That should explain why I think it's unlikely that any such product exists. |
Can I buy stocks directly from a public company? | As far as I know, the answer to this is generally "no." The closest thing would be to identify the stock transfer company representing the company that you want to hold and buy through them. (I have held this way, but I don't know if it's available on all stocks.) This eliminates the broker, but there's still a "midd... |
When is the best time to put a large amount of assets in the stock market? | The one thing we know for certain is that holding large amounts of cash isn't ideal - inflation will eat away at your wealth. It's understandable that you're hesitant to put all your wealth in common stock. The S&P 500's price/earnings is 18.7 right now - a little high by historical standards. But consider that the S&P... |
Is keeping track of your money and having a budget the same thing? | A budget is a plan for spending money in the future. Tracking spending is only looking at what happened in the past. Many people only track their spending, a proper budget can be key to achieving financial goals. You might earn enough and not spend frivolously enough that you aren't hamstrung by lack of a budget, but ... |
how much of foreign exchange (forex/fx) “deep liquidity” is really just unbacked leverage and what is the effect? | In essence the problem that the OP identified is not that the FX market itself has poor liquidity but that retail FX brokerage sometimes have poor counterparty risk management. The problem is the actual business model that many FX brokerages have. Most FX brokerages are themselves customers of much larger money center ... |
Do I need to pay Income Tax if i am running a escrow service in India | Income Tax would only be levied on the 10% commission that you earn and not on the total amount kept in the Escrow Account. |
What does the term “match the market” mean? | If your returns match the market, that means their rate of return is the same as the market in question. If your returns beat the market, that means their rate of return is higher. There's no one 'market', mind you. I invest in mutual funds that track the S&P500 (which is, very roughly, the U.S. stock market), that tra... |
Switch from DINK to SIWK: How do people afford kids? | It is simple: G-d provides :). EDIT: By "it" I mean the answer to the question asked. Raising kids is not so simple; G-d does provide :). |
How do you find an ethical, honest independent insurance broker in Canada? | How do you find an ethical, honest practitioner of any business? One: Make a small transaction with them and see how they treat you. If they cheat you on something small, don't give them a chance with something big. Two: Ask family and friends for recommendations. Three: Get information from public sources, like web si... |
I can't produce a title for a vehicle I just traded | If your fiancée took a title loan out on your truck you won't be able to trade it in for another vehicle until you pay the loan. The dealer will likely take your "slightly newer" truck back because you won't be able to produce the title for the trade until the other debt is settled. Title loans are a terrible idea. You... |
Why use accounting software like Quickbooks instead of Excel spreadsheets? | Since this is a cooperative I'm guessing your partners may want to be able to view the books so another key point you may want to consider is collaboration. QuickBooks desktop has all of these same issues because it is meant to be used on a single desktop. We're in an age of mobile devices, and especially in a busines... |
mortgage vs car loan vs invest extra cash? | First off, the "mortgage interest is tax deductible" argument is a red herring. What "tax deductible" sounds like it means is "if I pay $100 on X, I can pay $100 less on my taxes". If that were true, you're still not saving any money overall, so it doesn't help you any in the immediate term, and it's actually a bad i... |
Why do stock prices of retailers not surge during the holidays? | That's a pretty good question for a six-year-old! In addition to the good answers which point out that expectations are priced in, let's deny the premises of the question: Sales do not increase the value of a company; a company could be, for example, losing money on every sale. Share prices are (at least in theory) cor... |
Is it legal if I'm managing my family's entire wealth? | Aside from the fact that there are massive problems with taxes, liability, fiduciary responsibility, and (assuming you're accepting any sort of compensation at all) licensing. The mere fact that you're asking this question indicates that you're probably not suitably qualified to handle this for others. Why not have som... |
How can you possibly lose on investments in stocks? | If you're talking about a single stock, you greatly underestimate the chances of it dropping, even long-term. Check out the 12 companies that made up the first Dow Jones Industrial Average in 1896. There is probably only one you've heard of: GE. Many of the others are long gone or have since been bought up by larger co... |
What exactly can a financial advisor do for me, and is it worth the money? | A financial planner can help with investments, insurance, estate planning, budgeting, retirement planning, saving for college, tax planning/prep, and other money topics. One way to get a sense is to look at this Certified Financial Planner topic list. Another idea is to look at this book (my favorite I've read) which c... |
Any advantage to exercising ISO's in company that is not yet public? | As far as I know, the AMT implications are the same for a privately held company as for one that is publicly traded. When I was given my ISO package, it came with a big package of articles on AMT to encourage me to exercise as close to the strike price as possible. Remember that the further the actual price at the ti... |
Personal Tax Deduction for written work to a recognized 501c3 | If it's work you'd be producing specifically for this organization, that would not be deductable. Per Publication 526, Charitable Deductions, "You can't deduct the value of your time or services, including: … The value of income lost while you work as an unpaid volunteer for a qualified organization." On the other hand... |
Why is Net Asset Value (NAV) only reported by funds, but not stocks? | The (assets - liabilities)/#shares of a company is its book value, and that number is included in their reports. It's easy for a fund to release the net asset value on a daily basis because all of its assets (stocks, bonds, and cash) are given values every day by the market. It's also necessary to have a real time va... |
What can I replace Microsoft Money with, now that MS has abandoned it? | I have used Quicken for over 10 years. It has always provided the information I needed and I have always received good support from Intuit. |
Does dividend on 401K have any effect on gains | It appears from your description that the 401k account has the automatic dividend reinvestment policy, and that the end result is exactly the same as the external account with the same policy. I.e.: no difference, the dividend affected the 401k account in exactly the same way it affected the external account. The only ... |
Saving/ Investing a lump sum | In my mind, when looking at a five year period you have a number of options. You didn't specify where you are based, which admittedly makes it harder, to give you good advice. If you are looking for an investment that can achieve large gains, equities are impossible to ignore. By investing in an index fund or other div... |
How does a public company turn shares into cash? | how do they turn shares into cash that they can then use to grow their business? Once a Company issues an IPO or Follow-On Public Offer, the company gets the Money. Going over the list of question tagged IPO would help you with basics. Specifically the below questions; How does a company get money by going public in an... |
Are my purchases of stock, mutual funds, ETF's, and commodities investing, or speculation? | Every investment comes with a risk. There is also a bit of speculation involved. In there is an anticipation that one expects the value to go up in normal course of events. By your definition "If I buy this equipment, I could produce more widgets, or sell more widgets," as an investment. Here again there is an anticipa... |
What happens to people without any retirement savings? | There are a host of programs in the US to help low/no-income seniors: Many states discount property taxes for the elderly as well. Not a dream retirement, but plenty of people are provided for without having prepared for retirement whether due to poor decisions or unfortunate circumstances. |
Do rental car agencies sell their cars at a time when it is risky for the purchaser? | A premium car rental agency will sell a car which is working very well and quite far from the verge of breaking apart. They don't want to take the risk that one of their premium customers paying premium rates receives a worn-looking car which runs less than absolutely perfect (or even breaks down). They need to keep up... |
Am I legally allowed to offset the tax I pay on freelance work? (UK) | Yes, you can deduct from your taxable profits (almost) any expenses incurred in the course of your business. See here for HMRC's detailed advice on the subject. The fact that you have salaried PAYE employment as well makes no difference. |
Can someone recommend a book that discusses the differences between types of financial statements? | Why Stocks go up and Down by William H Pike is a great source if you are looking to interpret statements for stock analysis. This book really starts from the beginning and clearly explains with a running example of a fake company. |
Can an ETF, open at a price other than what the pre-market was at? | If you're talking about an ETF trading on Arca, it's probably because of the opening auction: The match price is the price that maximizes the volume that can be executed within the Auction Collars. The Core Open Auction will use the match price closest to the closing price of the previous trading day (based on normal m... |
What kind of life insurance is cheaper? I'm not sure about term vs. whole vs. universal, etc | Term is the way to go. Whole/universal are basically a combo of term and savings, so buy term life insurance and invest the difference in cost yourself. You should make a lot more that way (as far as savings go) than by buying whole life. By the time term life gets too expensive to be worth (when you're a lot older) yo... |
Difference between a mortgage and buy-to-let in UK | Another factor that makes Buy to let more expensive is the risk involved. With a buy to let you are dependent on finding a tenant that will keep regular payments. if the property is left empty you need to finance the mortgage yourself putting you under financial strain and raising risk. Also as Chis mentioned they are ... |
How does the world - in aggregate - generate a non-zero return? | It appears that you have bought into the Communist lie. Milton Friedman lats it all out so well. No transaction ever occurs unless both sides in the transaction benefit. Let's say you are out for a walk. While walking you feel hungry. You find two quarters ($0.50) in your pocket. You enter the nearest convenience sto... |
How smart is it to really be 100% debt free? | Keep in mind that you NEED to have a cash reserve. Blindly applying all stray cash to debt reduction is a bad idea. Your lenders do not care about your balance. All they care about is your NEXT payment. It is therefore imperative that you have a cash reserve that can carry these payments for several months. Having... |
Could someone place an independent film on the stock market? | Stock is a part ownership of a business. First there has to be a business that people want to own part of because they expect to make a profit from that ownership. Nobody is going to be interested if the business isn't worth anything. In other words: sure, you could try to start a movie production house to make this ... |
What are the implications of a corporate stock repurchase or share buyback program? | A stock buy back reduces the number of stocks available on the open market. Since stocks are literally a share in ownership a buy back of the stock then when the company repurchases it has the effect of increasing the percent of ownership of the company of each stock. Zynga has a Market Cap of ~1810M so a 200M buy bac... |
When do I sell a stock that I hold as a long-term position? | For what it's worth -- and I realize this isn't directly an answer to the question -- one of the advantages of sticking with mutual funds, beyond their being inherently diversified, is that it removes a lot of the temptation to try to time the market. When you need money, you sell shares in such a way that it maintains... |
Should I sell my stocks to reduce my debt? | Obviously, you should not buy stock when the option is to pay down your debt. However, your question is different. Should you sell to reduce debt. That really depends on your personal situation. If you were planning to sell the stock anyway, go ahead and reduce your loans. Check out how the stock is doing and what the ... |
Why does Yahoo Finance's data for a Vanguard fund's dividend per share not match the info from Vanguard? | In the context of EDV, 4.46 is the indicated dividend rate. The indicated dividend rate is the rate that would be paid per share throughout the next year, assuming dividends stayed the same as prior payment. sources: |
If a stock doesn't pay dividends, then why is the stock worth anything? | Most companies get taken over eventually. More to the point, ANY company with a public float over 50 percent that's large and viable enough to fall on people's radar screens will get taken over if its stock price is "too low" relative to its long term prospects. It is the possibility of a takeover, as much as anything... |
How much money are you actually trading with options? | You would have paid $880.00 plus commission in this case, and made $85 before commissions. How much you would have made on expiration depends on the price that TSLA has on April 1, which hasn't come yet. If it expires worthless, you typically don't pay a commission but you will have lost the full $880. If it expires ... |
Where can I find open source portfolio management software? | Have you looked into GnuCash? It lets you track your stock purchases, and grabs price updates. It's designed for double-entry accounting, but I think it could fit your use case. |
Insurance company sent me huge check instead of pharmacy. Now what? | Option 4: Go talk with someone in person at an office of the Insurance company. They have helped me several times with things like this. They can get everyone involved on a conference call and make something happen. But you have to go in. Calling is a good way to waste time and get nowhere, they will throw the issue ba... |
Having a separate bank account for business/investing, but not a “business account?” | When I was younger I had a problem with Washington Mutual. Someone had deposited a check in to my account then ran my account negative with a "dupe" of my debit card. WaMu tied up my account for three months while they investigated because it wasn't simply a debit card fraud issue, this was check fraud (so they claim... |
What factors should I consider in picking a bond? | just pick a good bond and invest all your money there (since they're fairly low risk) No. That is basically throwing away your money and why would you do that. And who told you they are low risk. That is a very wrong premise. What factors should I consider in picking a bond and how would they weigh against each other? ... |
Can a company block a specific person from buying its stock? | A more serious problem: how do you know who's really buying your stock? "Shell companies" are an increasingly obvious problem in corporate and tax accountability. There are jurisdictions where companies can be created with secret lists of directors and shareholders. If stock is bought by one of these companies, it is v... |
Merits of buying apartment houses and renting them | Insurance - get estimate from an insurance agent who works with policies for commercial real estate. See comments below regarding incorporation. Taxes - if this was basic income for a simple LLC, estimating 25-40% and adjusting over time might work. Rental property is a whole different prospect. Financial experts wh... |
Is foreign stock considered more risky than local stock and why? | It is very important to note the strength and reputation of the country's regulatory agency. You cannot assume the standards of say the SEC (US Securities and Exchange Commission) apply in other countries (even well-developed ones). These regulations force companies to disclose certain information to inform and protect... |
Tax deductions on empty property | A real estate business could offset income from occupied property with costs from vacant property held for speculation. For speculation, you can let a building rot, then get it reassessed. If the jurisdiction assesses part or all of the tax bill on the value of improvements, this can drop the annual tax bill signific... |
Why so much noise about USA's credit rating being lowered? | The credit scale is deceptive, it goes: AAA, AA, A, BBB, BBB-, BB+, BB, B, CCC, CC, C, D. In reality it should be A,B,C,D,E, F, G,H, I, etc. The current scale does not reflect with clarity the ranking of risks and ratings. AA is much worse than AAA, but the uncertainty involved can be scary. Check out these corporate a... |
What happens when a company stops trading? (pink sheets) | What will happen if the stock price just continues to decline? Nothing. What would happen if folks just stop trading it? Nothing. What if the company goes private? Then they will have to buy you out based on some agreed upon price, as voted by the board and (potentially) approved by the shareholders. Depending on the ... |
What are the implications of a corporate stock repurchase or share buyback program? | A board authorizes the repurchase of shares because they feel the stock in undervalued. The hope is that the stocks will rise either directly by their repurchase, or in the near term due to the realization that the company is in better shape then the market thought. Eventually those shares will be resold back into the ... |
Is it possible to make money by getting a mortgage? | To keep the math simple, say you are in the 25% federal tax bracket. Your 4% mortgage effectively costs you 3%. Did Mr Advisor tell you what he suggests investing the money in? Borrowing at 3% net to put the money in .1% CDs makes little sense. And for most people, investing it in the stock market hoping to come out ah... |
Exercising an option without paying for the underlying | Unless you want to own the actual shares, you should simply sell the call option.By doing so you actual collect the profits (including any remaining time-value) of your position without ever needing to own the actual shares. Please be aware that you do not need to wait until maturity of the call option to sell it. Also... |
Where can I find recent information about which major shareholders changed their positions in a given stock? | For the united States forms must be submitted electronically with the Securities and Exchange Commission , they also must be posted to company websites. |
Does material nonpublic information cover knowledge of unannounced products? | So is knowledge of unannounced products simply not considered material nonpublic information? Well "material" is relative but it certainly is nonpublic information. And trading based on that information would likely be considered illegal if it is actually material. Many companies require that employees with material... |
How long should I keep my tax documents, and why? | How long you need to keep tax records will depend on jurisdiction. In general, if you discard records in a period of time less than your tax authority recommends, it may create audit problems down the road. ie: if you make a deduction supported by business expense receipts, and you discard those receipts next year, the... |
Why have I never seen a stock split? | You haven't seen one because you haven't looked for one properly. You can set a google alert for stock split and get information about major issues splitting their stocks quite regularly, as well as a daily dose of recommendations from people without a say in the matter for big companies to split their stock. Stock spl... |
Why I cannot find a “Pure Cash” option in 401k investments? | There is no zero risk option! There is no safe parking zone for turbulent times! There is no such thing as a zero-risk investment. You would do well to get this out of your head now. Cash, though it will retain its principle over time, will always be subject to inflation risk (assuming a positive-inflation environmen... |
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