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What is the correct pronunciation of CAGR? | Most readers probably know that an acronym is an invented word made up of the initial letters or syllables of other words, like NASA or NATO. Fewer probably know that an initialism is a type of acronym that cannot be pronounced as a word, but must be read letter-by-letter, like FBI or UCLA. A quote from Daily W... |
How to calculate how far a stock price can drop before a broker would issue a margin call? | With your numbers, look at it this way - You borrowed $50. When the stock is $100, you are at 50% margin. What's most important, is that there's margin interest charged, so the amount owed will increase regardless of the stock price. When calculating your return or loss, the interest has to be accounted for or your nu... |
How an ETF reinvests dividends | Let me answer by parts: When a company gives dividends, the share price drops by the dividend amount. Not always by that exact amount for many different reasons (e.g. there are transaction costs if you reinvest, dividend taxes, etc). I have tested that empirically. Now, if all the shareholders choose to reinvest their... |
My medical bill went to a collection agency. Can I pay it directly to the hospital? | Short Answer Collections agencies and the businesses they collect for are two different animals. If you don't want this to hurt your credit I suggest you deal directly with the hospital. Pay the bill, but prior to paying it get something in writing that specifically says that this will not be reported onto your credit.... |
Are there any risks from using mint.com? | With Mint you are without a doubt telling a third party your username and password. If mint gets compromised, or hires a bad actor, technically there isn't anything to stop shenanigans. You simply must be vigilant and be aware of your rights and the legal protections you have against fraud. For all the technical expe... |
Why don't institutions share stock recommendations like Wall Street analysts? | Institutions may be buying large quantities of the stock and would want the price to go up after they are done buying all that they have to buy. If the price jumps before they finish buying then they may not make as great a deal as they would otherwise. Consider buying tens of thousands of shares of a company and the... |
Is it a good investment for a foreigner to purchase a flat/apartment in China? | No, it's not. This could be a great question, but with no background, not so much. Do you live there now? For how long, and how much longer? You say investment, are you looking to live in it or rent it out? I have nothing against China, but I'd not buy anywhere unless the price, location, and timing all were right. |
Sanity check on choosing the term for a mortgage refinance | Have you looked at conventional financing rather than VA? VA loans are not a great deal. Conventional tends to be the best, and FHA being better than VA. While your rate looks very competitive, it looks like there will be a .5% fee for a refinance on top of other closing costs. If I have the numbers correct, you a... |
Stock trading models that use fundamental analysis, e.g. PEG ratios? | Maria, there are a few questions I think you must consider when considering this problem. Do fundamental or technical strategies provide meaningful information? Are the signals they produce actionable? In my experience, and many quantitative traders will probably say similar things, technical analysis is unlikely to pr... |
When a publicly traded company splits into two how are common shares fairly valued, distributed? | How are shareholders sure to receive a fair percentage of each company? At the time the split occurs, each investor owns the same proportion of each new company that they owned in the first. What the investor does with it after that (selling one, for example) is irrelevant from a fairness perspective. Suppose company... |
How does start-up equity end up paying off? | You will probably never see it. The startup at some point may start issuing dividends to the shareholders (which would be the owners, including you if you are in fact getting equity), but that day may never come. If they hire others with this method, you'll likely lose even that 5% as more shares are created. Think ... |
Does a bond etf drop by the amount of the dividend just like an equity etf | It may be true for a bond fund. But it is not true for bond etf. Bond etf will drop by the same amount when it distribute dividend on ex-dividend date. |
Why can't the Fed lower interest rates below zero? | Why can't the Fed simply bid more than the bond's maturity value to lower interest rates below zero? The FED could do this but then it would have to buy all the bonds in the market since all other market participants would not be willing to lend money to the government only to receive less money back in the future. No... |
Receive credit card payment sending my customer details to a credit card processing company? | Yes, there are a bunch. I have used Paypal and it worked quite nicely. I see endless ads these days for Square, a tiny card reader that you plug into a smartphone that lets you swipe the card. (With Paypal you have to type in the credit card number.) |
How to reduce mortgage rate with low income but high assets | In your shoes, I would pay off the mortgage with the after tax investments and be done. You have different goals than I do in that you want to keep the debt. So, I would start calling mortgage brokers and asking for someone who does "manual underwriting". Manual underwriting essentially means they use common sens... |
Under what circumstance will the IRS charge you a late-payment penalty for taxes? | In practice the IRS seems to apply the late payment penalty when they issue a written paper notice. Those notices typically have a pay-by date where no additional penalty applies. The IRS will often waive penalties, but not interest or tax due, if the taxpayer presses the issue. |
Is it a good idea to get a mortgage when buying a house, for credit reasons? | It may or may not be a good idea to borrow money from your family; there are many factors to consider here, not the least of which is what you would do if you got in serious financial trouble and couldn't make your scheduled payments on the loan. Would you arrange with them to sell the property ASAP? Or could they easi... |
Why does gold have value? | Why does the value of gold go up when gold itself doesn't produce anything? Why do people invest in gold? Your perception, that the value of gold goes up in the long run, is based on the price of gold measured in your favorite paper currency, for example the US Dollar. An increasing price of gold means that in the visi... |
How to increase my credit score | You need to get yourself a credit card, and use it regularly and also repay on time. This will help increase your credit score. Hope you have a regular job which is bringing in money every month, but having just this isnt enough, get a credit card. |
looking for research tool to plug in and evaluate theoretical historical returns | The professional financial advisors do have tools which will take a general description of a portfolio and run monte-carlo simulations based on the stock market's historical behavior. After about 100 simulation passes they can give a statistical statement about the probable returns, the risk involved in that strategy, ... |
Why buying an inverse ETF does not give same results as shorting the ETF | The most fundamental answer is that when you short a stock (or an ETF), you short a specific number of shares on a specific day, and you probably don't adjust this much as the price wobbles goes up and down. But an inverse fund is not tied to a specific start date, like your own transaction is. It adjusts on an ongoin... |
183 day rule in conjunction with expatriate | There's no "183 days" rule. As a US citizen you must pay taxes on all your income, where you live is irrelevant. |
How do I know when I am financially stable/ready to move out on my own? | One big deciding factor will be what standard of living you want to maintain once you move out. Your parents have had years to get raises, accumulate savings, and establish the standard of living you are used to. Regardless of how much you save up now, you'll still have to be living at or below your means once you m... |
Looking for an ROI formula, brain is broken today | The monthly repayments of the initial $ 300,000 loan can be calculated using this formula: source: Finance Formulas The monthly payment is It is not readily apparent how the formula works, but it is derived by induction from this summation, in which the sum of the discounted future payments are set equal to the presen... |
Theoretically, if I bought more than 50% of a company's stocks, will I own the company? | Owning more than 50% of a company's stock normally gives you the right to elect a majority, or even all of a company's (board of) directors. Once you have your directors in place, you can tell them who to hire and fire among managers. There are some things that may stand in the way of your doing this. First, there may... |
Requirements for filing business taxes? | While she can certainly get an LLC or EIN, it isn't necessarily required or needed. She can file as a sole-proprietor on her (or your joint) taxes by filling out a schedule-C addition to the 1040. Any income or losses will pass through to your existing income situation (from W-2's and such). The general requirement f... |
May I Invest as a non accredited investor? | Does me holding stock in the company make me an accredited investor with this company in particular? No. But maybe the site will let you trade it your shares to another accredited investor. Just ask, if the site operators have a securities lawyer they should be able to accomodate |
Does this sound like a great idea regarding being a landlord and starting a real estate empire? | This is a well worn path and not a bad idea. There are quite a few pitfalls but there are a lot of resources to learn for other people's mistakes. Having a plan and doing your research should help you avoid most of them. Here is some general advice to help get you started on the right foot. Know the market you are i... |
Paying off a loan with a loan to get a better interest rate | Dude- my background is in banking specifically dealing with these scenarios. Take my advice-look for a balance transfer offer-credit card at 0%. Your cost of capital is your good credit, this is your leverage. Why pay 4.74% when you can pay 0%. Find a credit card company with a balance transfer option for 0%. Pay no in... |
What is the fastest way to retire, using passive income on real estate | You can't calculate how many houses it will take. To do so you would have to know how much you can charge in rent compared to how much is costs to run that particular location. If the desirability of that location changes, so does the ability to rent the place, and so does the amount you can charge. It is possible to c... |
How would IRS treat reimbursement in a later year of moving expenses? | I believe moving reimbursement has to be counted as income no matter when you get it. I'd just put it under miscellaneous income with an explanation. |
Would it make sense to take a loan from a relative to pay off student loans? | I have recently been the lender to a couple people. It was substantially less money (~$3k), but I was trusting their good faith to pay me back. As a lender, I will never do it again. Reasons, Overall, not worth it. |
Why are American-style options worth more than European-style options? | The value of an option has 2 components, the extrinsic or time value element and the intrinsic value from the difference in the strike price and the underlying asset price. With either an American or European option the intrinsic value of a call option can be 'locked in' any time by selling the same amount of the under... |
Are there any dangers in publicly sharing my personal finance data? | Status alone shouldn't be a problem. A fellow blogger publishes a blogger list at Rock Star Finance where he lists nearly 1000 personal finance bloggers web sites. You can see that many of them publicly offer their numbers. What you need to consider is whether you are anonymous, or if friends and family will know it'... |
Does a stay at home mom need term life insurance? | Another source of insurance can be through the working spouses employment. Some companies do provide free or low cost coverage for spouses without a need for a physical exam. The risk is that it might not be available at the amount you want, and that if the main spouse switches companies it might not be available with ... |
What increases your chance of being audited? | Here is an article that claims to know something about it. Here are a selection of quotes: The IRS says there are several ways a return can be selected for audit and the first is via the agency's computer-scoring system known as Discriminant Information Function, or DIF. The IRS evaluates tax returns based on IRS formu... |
Why do stock brokers charge fees | Retail brokers and are generally not members of exchanges and would generally not be members of exchanges unless they are directly routing orders to those exchanges. Most retail brokers charging $7 are considered discount brokers and such brokers route order to Market Makers (who are members of the exchanges). All brok... |
Should I pay more than 20% down on a home? | A few thoughts off the top of my head: Advantages of more than 20% down: Disadvantages of more than 20% down: |
Why does a stock price drop as soon an I purchase several thousand shares at market price? | Any time a large order it placed for Buy, the sell side starts increasing as the demand of Buy has gone up. [Vice Versa is also true]. Once this orders gets fulfilled, the demand drops and hence the Sell price should also lower. Depending on how much was the demand / supply without your order, the price fluctuation wou... |
Historical company performance data | Morningstar has that 10 history at http://financials.morningstar.com/ratios/r.html?t=JNJ®ion=usa&culture=en-US |
As an investing novice, what to do with my money? | A lot of people on here will likely disagree with me and this opinion. In my opinion the answer lies in your own motives and intentions. If you'd like to be more cognizant of the market, I'd just dive in and buy a few companies you like. Many people will say you shouldn't pick your own stocks, you should buy an in... |
That “write your own mortgage” thing; how to learn about it | It sounds like you are describing "seller-financed" mortgages (also sometimes called "self-financed", where "self" is the seller). In essence the buyer and seller enter into a legal contract (a promissory note) that specifies the payment schedule, interest rate, etc. The nature of the agreement is similar to the kind... |
Is stock trading based more on luck than poker playing? | This depends strongly on what you mean by "stock trading". It isn't a single game, but a huge number of games grouped under a single name. You can invest in individual stocks. If you're willing to make the (large) effort needed to research the companies and their current position and potentialities, this can yield lar... |
Self-employed individual 401k self, match, and profit sharing contribution limits? | I can only address this part of it: For instance with a 10k net income, 9293 is the limit for 401k from employee. How is this calculated? I believe this limit is total for all sources too, which I'm confused about. How it's calculated is that when you are self-employed you also pay the employer portion of the FICA taxe... |
How websites like Google have access to stock market data? | To quote their disclaimer: Data is provided by financial exchanges and may be delayed as specified by financial exchanges or our data providers. Google does not verify any data and disclaims any obligation to do so. That means that they buy it from a reseller such as IDC. It probably differs in source between the diffe... |
Wash sale rules between tax advantaged and regular accounts | From the IRS Section 1091. Loss from Wash Sales of Stock or Securities Section 1091(a) provides that in the case of any loss claimed to have been sustained from any sale or other disposition of shares of stock or securities where it appears that, within a period beginning 30 days before the date of such sale or dispos... |
What is expense growth in this diagram? | The "c." is probably circa, or "about." Regulatory settlements is in blue because it's negative; the amount is in parentheses, which indicates a loss. WB and CB might be wholesale banking and commercial banking? BAU probably means "business as usual" or things that don't directly apply to the project. Incremental inve... |
Paying myself a distribution caused a negative Owner's Equity account balance? Is this normal? | It's not abnormal for a company that is as young as yours seems to be. It seems (based on what little I know), that you have debts, or accounts payable that were formerly covered by the $200 cash, but now aren't, because you paid it to yourself. For now, you're "entitled" to pay yourself a draw or a salary. But if you ... |
Prepaying a loan: Shouldn't the interest be recalculated like a shorter loan? | A few years ago I had a 5 year car loan. I wanted to prepay it after 2 years and I asked this question to the lender. I expected a reduction in the interest attached to the car loan since it didn't go the full 5 years. They basically told me I was crazy and the balance owed was the full amount of the 5 year car loan. T... |
How can I calculate the volatility(standard deviation) of a stock price? and/or ROI (return on investment) of a stock? | the "how" all depends on your level of computer savvy. Are you an Excel spreadsheet user or can you write in programming languages such as python? Either approach have math functions that make the calculation of ROI and Volatility trivial. If you're a python coder, then look up "pandas" (http://pandas.pydata.org/) - it... |
Effect on Bond asset allocation if Equity markets crash? | what will happen to the valuation of Tom's bond holdings after the equity crash? This is primarily opinion based. What will happen is generally hard to predict. Bond Price Bump due to Demand: Is a possible outcome; this depends on the assumption that the bonds in the said country are still deemed safe. Recent Greece e... |
If I have no exemptions or deductions, just a simple paycheck, do I HAVE to file taxes? | If you took advantage of options like a home buyers plan (HBP) you definitely need to file since you must designate how much of the plan to repay. Your employer does not know about what you do with your money so cannot take this into account for the withheld taxes. If you do not report repayment of the HBP it will be... |
Why do credit card transactions take up to 3 days to appear, yet debit transactions are instant? | Take a look at http://en.wikipedia.org/wiki/Payment_gateway There is essentially a lead time between when the transaction is made and when it is settled, 2-3 business days is the lead time for settlement. The link explains the process step-by-step |
The Benefits/Disadvantages of using a credit card | If you can use and pay off your credit card in full every month, there are plenty of benefits including improved credit, reward points and more. Many fall into the trap of just making the minimum payments and facing high interest charges or missing payments and getting a hit on their credit reports. To start off, put ... |
Is there any reason not to buy points when re-financing with intent not to sell for a while? | In such a situation, is there any reason, financial or not, to NOT pay as many points as mortgage seller allows? I can think of a few reasons not to buy points, in the scenario you described: If interest rates decrease you could be better off refinancing to a lower rate than buying points now. If buying points reduce... |
Where can publicly traded profits go but to shareholders via dividends? | Where can publicly traded profits go but to shareholders via dividends? They can be retained by the company. |
Can a CEO short his own company? | mhoran_psprep has answered the question well about "shorting" e.g. making a profit if the stock price goes down. However a CEO can take out insurance (called hedging) against the stock price going down in relation to stocks they already own in some cases. But is must be disclosed in public filings etc. This may be d... |
How far into the future is a stock future? How do stock futures work? | Futures are an agreement to buy or sell something in the future. The futures "price" is the price at which you agree to make the trade. This price does not indicate what will happen in the future so much as it indicates the cost of buying the item today and holding it until the future date. Hence, for very liquid pr... |
Malaysian real estate: How to know if the market is overheated or in a bubble? | I don't buy the "house prices will always increase due to the increased cost of raw materials" argument. In a lot of countries you will find that the cost of (re)building a property is substantially lower than its perceived sale value. If it wasn't, there would be no incentive for developers to take the risk of buying ... |
What to do if my aging father is sustaining a hobby that is losing several thousand dollars every month? | You've already counted the cost. It will cost your family ~$10,000 per month until your father dies, or until there's no money left, to enable him to pretend that he is a successful business owner. I'd ask him when he thinks business is going to pick up again. He may be honest with himself. Or, ask him to consider wha... |
How much more than my mortgage should I charge for rent? | I think you are trying to figure out what will be a break-even rental rate for you, so that then you can decide whether renting at current market rates is worth it for you. This is tricky to determine because future valuations are uncertain. You can make rough estimates though. The most uncertain component is likely to... |
What expenses do most people not prepare for that turn into “emergencies” but are not covered by an Emergency Fund? | insurance premiums My annual car premium always caught me off guard until I set up a dedicated savings account for it. |
Is Stock Trading legal for a student on F-1 Visa in USA? [duplicate] | As an F1 student, I have been investing (and occasionally buying and selling within few weeks) for several years, and I have never had problems (of course I report to IRS gains/losses every year at tax time). On the other hand, the officer in charge of foreign students at my school advised me to not run ads on a websit... |
Non-qualified Savings Plan vs. 401(k) for Highly Compensated Employee | 401k plans are required to not discriminate against the non-HCE participants, and one way they achieve this is by limiting the percentage of wages that HCEs can contribute to the plan to the average annual percentage contribution by the non-HCE participants or 3% whichever is higher. If most non-HCE employees contribu... |
Why invest for the long-term rather than buy and sell for quick, big gains? | Someone entering a casino with $15 could employ a very simple strategy and have a better-than-90% chance of walking out with $16. Unfortunately, the person would have a non-trivial chance (about one in 14) of walking out with $0. If after losing $15 the person withdrew $240 from the bank and tried to win $16, the pers... |
Should I pay off my 50K of student loans as quickly as possible, or steadily? Why? | If you make paying off those loans a priority, you will find money where you can and also look for stuff to sell around your home and also look for as much extra work as you can stand. |
What do these numbers mean for the S&P? | USB is the ticker for US Bancorp. The numbers to me look like their prediction of the return for the day, I could be wrong but I think that's what it is. |
Why can't you just have someone invest for you and split the profits (and losses) with him? | because the market price for good investment advice isn't that low. investment advice is subject to market pricing just like any other good or service. if you are good enough at investing that you seek increased volatility opportunities, you will have no trouble finding investors willing to give you a share of the ups... |
How to start investing/thinking about money as a young person? | There are books like, "The Millionaire Mind" that could be of interest when it comes to basics like living below your means, investing what you save, etc. that while it is common sense, it is uncommonly done in the world. Something to consider is how actively do you want your money management to be? Is it something t... |
Buying from an aggressive salesperson | My advice is to quit worrying about the salesman's tactics. They are a distraction. What do you want? How much are you willing to pay for it. If you want the instrument, decide how much you want to pay for it. Round down to the next even hundred. Take that much in $100 bills. Put the money in his hand and say, "... |
Is short selling a good hedging strategy during overzealous market conditions? | Right, wrong or indifferent I see account gains of nearly 50% so far this year; now being January 23, 2016. That is mostly staying on the short side. I am not adverse to long positions at all; only hop to the other side when the tide turns. I will probably end up castrating myself on the fence at some point. |
How should I prepare for the next financial crisis? | A somewhat provocative (but not unserious) proposal: Rent, don't buy a house to live in. In 2007/8, the thing that got many people in deep trouble is their mortgage. It's not a productive investment but a speculative bet on what was in fact a bubble and a class of assets that is notoriously slow to recover after a slum... |
Trading: who takes the money from CAC 40 Or DAX | I am guessing that when you say "FRENCH40" and "GERMAN30" you are referring to the main French and German stock market indices. The main French index is the CAC-40 with its 40 constituent companies. The main German index is the DAX, which has 30 constituents. The US30 is presumably the Dow Jones Index which also has ... |
FOK order type: can they be market or limit orders? | The SEC reference document (PDF) explains order types in more detail. A fill-or-kill order is neither a market order nor a limit order; instead it's something in between. A market order asks to be filled at the best available price, whatever that price might be when the order gets to the exchange. Additionally, if the... |
Using Loan to Invest - Paying Monthly Installments with Monthly Income | I hope I'm misunderstanding your plan... you want to invest in a way that will make SO MUCH that you pay back all of the loan payments with investment gains? Like the answer I gave on the preceding question, and like @littleadv's comment/mhoran's answers... don't do this. No good will come of it. This strategy require... |
What is the difference between “good debt” vs. “bad debt”? | When I look at debt I try to think of myself as a corporation. In life, you have a series of projects that you can undertake which may yield a positive net present value (for simplicity, let's define positive net present value as a project that yields more benefit than its cost). Let's say that one of the projects tha... |
Can someone explain how government bonds work? | The short of it is that bonds are valued based on a fundamental concept of finance called the "time value of money". Stated simply, $100 one year from now is not the same as $100 now. If you had $100 now, you could use it to make more money and have more than $100 in a year. Conversely, if you didn't invest it, the $10... |
Why do stores and manufacturers use mail in rebates? A scam, or is there a way to use them effectively? | Unfortunately too many companies view a Mail in rebate as an unwelcome cost instead of as a customer interaction issue, and it gives the company a bad reputation when someone gets stiffed on the mail in rebate, and it also has basically ruined the concept to a large degree. Many people will simply regard the rebate as ... |
When should I start saving/investing for my retirement? | Start as early as possible and you will want to kiss your younger self when you get to retirement age. I know you (and everyone else at that age) thinks that they don't make enough to start saving and leans towards waiting until you get established in your career and start making better money. Don't put it off. Save so... |
Unemployment Insurance Through Options | Options do act, somewhat, like insurance.... However.... An insurance policy will not have such short term expiration time frames. A 20 year term life insurance policy can be thought of as insurance with an expiration. But the expiration on options is in weeks, not decades. So (IMO) options make terrible insurance pol... |
income tax for purchased/sold short term & long term shares | No Tax would have been deducted at the time of purchase/sale of shares. You would yourself be required to compute your tax liability and then pay taxes to the govt. In case the shares sold were held for less than 1 year - 15% tax on capital gains would be levied. In case the shares sold were held for more than 1 year -... |
Why do people buy new cars they can not afford? | Many reasons So in general you are paying more for peace of mind when you buy a new car. You expect everything to be working and if not you can take it back to the dealer to have them fix it for free. |
Estimate probability distribution of profit on investment | There is no simple answer to that, because no one knows exactly what the probability distribution of S&P 500 returns is. Here is a sketch of one possible way to proceed. Don't forget step 4! The problem is that the stock market is full of surprises, so this kind of "backtesting" can only reliably tell you about what a... |
Shares; are they really only for the rich/investors? | Put £50 away as often as possible, and once it's built up to £500, invest in a stockmarket ETF. Repeat until you retire. |
Home owners association for houses, pro/cons | As I understand it the basic premiss of a HOA is to ease communication between neighbors and help work towards common community goals. As I understand it the reality is that the HOA works to keep the community homogenous so there are no "sore thumb" neighbors. As to why look for one or avoid one. If you would want ... |
Tax me more: Can I pay extra to the government so I don't have to deal with all this paperwork? | Actually, if you don't care about paying a bit more, either hire an accountant and dump the paper on them, or (may be cheaper but a bit more work) spring for tax software. Modern tax programs can often download most of your data directly. If you don't care about claiming deductions you can skip a lot of the rest. I'm p... |
Can a company donate to a non-profit to pay for services arranged for before hand? | People put conditions on donations all the time. They donate to the Red Cross for a specific disaster. The donate money to a church for the building fund. They donate money to a hospital to buy a new x-ray machine. They donate money to the scouts for a new dining hall. It is possible to donate money to a non-profit fo... |
Why is stock dilution legal? | Here's another way that I look at it: Say you and me were 50-50 partners in a small business. Suppose we wanted to expand our business but that needed money. Someone (let's call him Warren) has the money we need & hence in return for the money we offer Warren an equal stake in the business. i.e. All three of us own 3... |
What does this mean? SELL -10 VERTICAL $IYR 100 AUG 09 32/34 CALL @.80 LMT | SELL -10 VERTICAL $IYR 100 AUG 09 32/34 CALL @.80 LMT 1) we are talking about options, these are a derivative product whose price is based on 6 variables. 2) options allow you to create risk out of thin air, and those risks come with shapes, and the only limit is your imagination (and how much your margin/borrowing cos... |
Analyze stock value | A Bloomberg terminal connected to Excel provides the value correcting splits, dividends, etc. Problem is it cost around $25,000. Another one which is free and I think that takes care of corporate action is "quandl.com". See an example here. |
Is it possible to know the probability that a trade is successful? | No. Like Keshlam said, unless you have a crystal ball there is no sure thing. However based on the things you said in your question, you could be better off doing some back testing. With your findings, you can then set up trades in your favor but again it's not 100%. You may also want to check out quant finance stackex... |
Should the poor consider investing as a means to becoming rich? | A cautionary tale: About 25 years ago I decided that I should try my hand at investing in some technology companies. I was in the computer biz but decided that I might suffer from myopia there, so I researched some medical startups. And I did some reasonably good research, given the available resources (the Interne... |
Should the bank cover money lost due to an unsuccessful transfer? | Since the transaction was not your bank's mistake (but a decision by the Indian government) why should your bank bear the cost of the unsuccessful transaction? Your bank charged a fee for a service that you were willing to pay for. You might be able to negotiate a full or partial refund, and I have done the same with m... |
Paying estimated taxes in a quarter with losses | Yes, if you're caught up you can skip the quarter. |
What is value investing? What are the key principles of value investing? | Value investing is an investment approach that relies on buying securities below their intrinsic values. There are two main concepts; one is the Intrinsic Value and the other is Margin of Safety. Intrinsic value is the value of the underlying business - if we are talking about stocks - that can be calculated through c... |
Why are some funds only recommended for investors starting out? | A suitable mix of index funds IS a great option if you don't want to spend a lot of time and effort micromanaging your money. If you find amusement in pushing numbers around, you may be able to do better. Notice: MAY. If you have multiple millions, you can hire someone of that sort to push the numbers around for you. T... |
Friend was brainwashed by MLM-/ponzi investment scam. What can I do? | As others have stated, it will be very difficult for you to turn your friend around. He has already demonstrated great commitment. What can I do? There may be other people (perhaps mutual friends of you and this man) who are in danger. He may try to get them into this (as he apparently tried to with you). If this was m... |
Should a high-school student invest their (relative meager) savings? | If you're not rich, investing money will produce very small return, and is a waste of your resources. If you want to save until you die, then go for it (that's what investment companies want you to do). I suggest invest your money in building a network of friends who will be future asset for you. A group of friends hel... |
What do these numbers mean? (futures) | No, it means that is only the notional value of that underlying asset of that contract, generally. The contract specification itself is listed on the exchange's websites, and there are really no assumptions you can make about a particular contract. Where S&P futures have one set of specifications, such as what it actua... |
Buying a small amount (e.g. $50) of stock via eToro “Social Trading Network” using a “CFD”? | As many people here have pointed out, a CFD is a contract for difference. When you invest in stock at eToro, you buy a CFD reflecting a bid on the price movement of the underlying stock, however, you do not actually own the stock or hold any rights shareholders have. The counterparty to the CFD is eToro. When you close... |
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