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Clarification on 529 fund | You are faced with a dilemma. If you use a 529 plan to fund your education, the short timeline of a few years will limit your returns that are tax free. Most people who use a 529 plan either purchase years of tuition via lump sum, when the child is young; or they put aside money on a regular basis that will grow tax d... |
Resources to begin trading from home? | As JoeTaxpayer has commented, the markets are littered with the carcasses of those who buy into the idea that markets submit readily to formal analysis. Financial markets are amongst the most complex systems we know of. To borrow a concept from mathematics - that of a chaotic system - one might say that financial ma... |
What are the reasons to get more than one credit card? | 1- To max out rewards. I have 5 different credit cards, one gives me 5% back on gas, another on groceries, another on Amazon, another at restaurants and another 2% on everything else. If I had only one card, I would be missing out on a lot of rewards. Of course, you have to remember to use the right card for the right ... |
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-... |
Why do car rental companies prefer/require credit over debit cards? | I have looked at the conditions of a car rental company, and I believe it provides the answers: Upon pick up of your vehicle, you must present a valid credit card (*) used to make the booking and which must be in the driver´s name. If you do not have a valid credit card we will accept your debit card when you pic... |
How to find out if I have a savings account already? | If you're in the UK, there's a free service here that lets you trace lost bank accounts. If you're in a different country, try Googling to see if that country has a similar service. |
When would one actually want to use a market order instead of a limit order? | After learning about things that happened in the "flash crash" I always use limit orders. In an extremely rare instance if you place a market order when there is a some glitch, for example some large trader adds a zero at the end of their volume, you could get an awful price. If I want to buy at the market price, I ju... |
Feasibility of using long term pattern on short term investments | There are Patterns inside of Patterns. You will see short term patterns (flags / pennants) inside of long term patterns (trend lines, channels) and typically you want to trade those short term patterns in line with the direction of the long term pattern. Take a look at the attached chart of GPN. I would like to recomm... |
Can I evaluate the performance of a company using just OHLC data? | No. The information you are describing is technical data about a stock's market price and trading volume, only. There is nothing implied in that data about a company's financial fundamentals (earnings/profitability, outstanding shares, market capitalization, dividends, balance sheet assets and liabilities, etc.) All yo... |
Is it impossible to get a home loan with a poor credit history after a divorce? | No, it is never impossible to get credit so long as there are no price controls or quotas. In most of the United States, the impetus for housing is so strong that it's one sector of credit that has nearly no price regulation, price in this case being interest rates. Corporate banks will not touch you now because Dodd-F... |
Why is being “upside down” on a mortgage so bad? | Here's a real-life example of why being underwater can be a tad annoying: Your options are: You must choose one. |
Is there a way to buy raw oil today and sell it in 1 year time? | Unless you have the storage and transportation facilities for it, or can come up with the money needed to rent or build those, no -- or not in any significant quantity. Buying oil futures is essentially an on-paper version of the same bet. Futures prices are already taking into account both expectations about price ch... |
Is there a list of OTC stocks being added to the major exchanges? | Reuters has a service you can subscribe to that will give you lots of Financial information that is not readily available in common feeds. One of the things you can find is the listing/delist dates of stocks. There are tools to build custom reports. That would be a report you could write. You can probably get the d... |
US taxation of stock purchase plan for non-resident alien | From my research it looks like its an income NOT effectively connected with the trade of business. This page has the exact details https://www.irs.gov/individuals/international-taxpayers/effectively-connected-income-eci |
How does Robinhood stock broker make money? | Robinhood seems interesting. Some say it's a gimmicky site with a nice UI not an investing or trading platform. From investopedia: 1. For now, the app stays afloat for mainly two reasons. First, the business itself is extremely lean: no physical locations, a small staff, no massive public relations campaigns and only... |
Options price vs implied volatility - who drives who? | Currently, when "implied volatility" is spoken, the Black-Scholes-Merton model is implied. This model has been shown to be deficient, thus the Variance Gamma Model should be used. However, as nearly no one uses VG, it can be assumed that BS is still being implied. The BS formula has multiple variables. Some are exter... |
Is the gross amount of US debt dangerous for the small investor? | Not a lot, directly. Your biggest direct risk is that you could buy the debt, and buy it at too high a price (i.e. too low an interest rate) and not make as much money as you ought (and maybe not enough to cover inflation, especially if you buy long-term bonds at low interest rates.) The indirect risks are mostly that ... |
Are there any benefits to investing with a group of friends vs. by myself? | The benefits of pooling your money with others: The drawbacks of pooling your money with others: Practically Speaking - I say go for it. You stand to gain a lot of knowledge about how money works without having too much on the line. Good luck! |
Transfer of stock of non-public company after vesting | If the company is non-public, your hands are tied. Most startups have a Stock Option Plan with specific rules on the shares. In almost all cases, they have a Transferability clause preventing transfers of options and shares unless approved by the company (who would almost always say no). Additionally, they usually have... |
Can vet / veterinary bills be considered deductions (tax-deductible) for Income Tax purposes [Canada]? | No. Medical bills for yourself or your human companions may be: Canada Revenue Seeing-eye dogs and the like also get special treatment Nice Doggie There are pet medical insurance policies; but as they are often priced like human policies, they might exclude your animal if it has a pre-existing condition. Good Luck Scot... |
Options for dummies. Can you explain how puts & calls work, simply? | Here's my attempt at "Options for Kids" "Hey kid... So you have this video game that you paid $50 for that you want to sell two months from now" "Yes, Mr. Video Game Broker, but I want to lock in a price so I know how much to save for a new Tickle Me Elmo for my baby sister." "Ok, for $3, I'll sell you a 'Put' option s... |
Advice for a college student interested in investment opportunities. | Put it in a Vanguard fund with 80% VTI and 20% VXUS. That's what you'll let set for 10-15 years. For somebody that is totally new to investing, use "play money" in the stock market. It's easy for young people to get dreams of glory and blow it all on some stock tip they've seen on Twitter. |
Is dividend included in EPS | No, dividends are not included in earnings. Companies with no earnings sometimes choose to pay dividends. Paying the dividend does not decrease earnings. It does of course decrease cash and shows up on the balance sheet. Many companies choose to keep the dividend at a fixed rate even while the business goes through... |
Should I buy a house with a friend? | I'd be curious to compare current rent with what your overhead would be with a house. Most single people would view your current arrangement as ideal. When those about to graduate college ask for money advice, I offer that they should start by living as though they are still in college, share a house or multibedroomed ... |
How can a company charge a closed credit card? | Wow, I had never heard of this before but I looked into it a bit and Mikey was spot on. It seems that if you don't pay attention to the fine print when making credit card purchases (as most of us tend to skip) many companies have stipulations that allow continued charges if they are recurring fees (monthly, yearly, etc... |
What is a mutual fund “high water mark” and how does it affect performance fees? | With the caveat that you should always read the fine print... Generally, the high water mark is the absolute highest mark at end of any quarter (sometimes month) over all the quarters (months) in the past. Intra-quarter marks don't matter. So, in your example the mark at the end of the second quarter would only be t... |
How can foreign investor (residing outside US) invest in US company stocks? | Instead of SSN, foreign person should get a ITIN from the IRS. Instead of W9 a foreigner should fill W8-BEN. Foreigner might also be required to file 1040NR/NR-EZ tax report, and depending on tax treaties also be liable for US taxes. |
How to calculate how much house I can afford? | There is no simple way to calculate how much house any given person can afford. In the answer keshlam gave, several handy rules of thumb are mentioned that are used as common screening devices to reject loans, but in every case further review is required to approve any loan. The 28% rule is the gold standard for estim... |
How smart is it really to take out a loan right now? | Yes, it's a buyer's market. If one is looking to buy a house, comparing the cost to rent vs own is a start. Buying a property to rent to a stranger is a different issue altogether, it's a business like any other, it takes time and has risk. If today, one has a decent downpayment (20%) and plans to stay in the house fo... |
Should I make more conservative investments in my company 401(K) if I'm going to leave the job in a couple of years? | My advice would be to invest in the 401k with the same type of funds you'd purchase when you rollover to your IRA. They are both retirement accounts. If the stock market tanks, your 401k balance will be low but you'll also be purchasing stocks at a much cheaper price when you establish your roth. You should create an a... |
United Kingdom: Where to save money for a property deposit | From April 2017 the plan is that there is now also going to be a "Lifetime ISA" (in addition to the Help to Buy ISA). Assuming those plans do not change, they government will give 25% after each year until you are 50, and the maximum you can put in per year will be £4000. Catches: You can only take the money out for c... |
Hypothetical: can taxes ever cause a net loss on otherwise-profitable stocks? | The original post's $16 has two errors: Here is the first scenario: . Tax Liability($) on Net . Cash # of Price Paper Realized Value Time: ($) Shares ($/sh) Profits Profits ($) 1. Start with: ... |
Remortgaging my home to release capital for second property | I've had a hard time finding out details on remortgaging Help to Buy loans myself, but found one article (http://www.thisismoney.co.uk/money/mortgageshome/article-3038831/Help-Buy-borrowers-risk-missing-best-remortgage-deals.html) which points out it IS possible. But also that there aren't many lenders offering such d... |
Are stories of turning a few thousands into millions by trading stocks real? | you'll need 25k to start or 2k in multiple accounts, that way you have access to margin, and don't have to worry about Pattern day trading limits. Be right more than you are wrong. Go up look for 3x potential up vs down risk. Compound daily. you can't double a penny every day every day for a month it becomes to diffic... |
How to pay bills for one month while waiting for new job? | This is just a partial answer, but I believe the following observations are relevant: |
What ETF best tracks the price of gasoline, or else crude oil? | UNG United States Natural Gas Fund Natural Gas USO United States Oil Fund West Texas Intermediate Crude Oil UGA United States Gasoline Fund Gasoline DBO PowerShares DB Oil Fund West Texas Intermediate Crude Oil UHN United States Heating Oil Fund Heating Oil I believe these are as close as you'... |
Should I pay off a 0% car loan? | Between now and October, your $3,000 will earn $30 in your savings account. If you are late on a payment for your 0% loan, your interest rate will skyrocket. In my opinion, the risk is just not worth the tiny gain you are trying to achieve in the savings account. If it was me, I would pay off the loan today. A few mor... |
Extended family investment or pay debt and save | Here's a little different perspective. I'm not going to talk about the quality of the investment, the expected return, or any of the other things you normally talk about when evaluating investments. This is about family, and the most important thing here is the relationships. What you need to do here is look at the di... |
Investing $50k + Real Estate | I would say that, for the most part, money should not be invested in the stock market or real estate. Mostly this money should be kept in savings: I feel like your emergency fund is light. You do not indicate what your expenses are per month, but unless you can live off of 1K/month, that is pretty low. I would bump ... |
What is the difference between equity and assets? | Not to detract from the other answers at all (which are each excellent and useful in their own right), but here's my interpretation of the ideas: Equity is the answer to the question "Where is the value of the company coming from?" This might include owner stakes, shareholder stock investments, or outside investments.... |
What are the tax implications if I do some work for a company for trade, rather than pay? | Such activity is normally referred to as bartering income. From the IRS site - You must include in gross income in the year of receipt the fair market value of goods or services received from bartering. Generally, you report this income on Form 1040, Schedule C (PDF), Profit or Loss from Business (Sole Proprietorship),... |
Is it wise to have plenty of current accounts in different banks? | You should not open bank accounts just to get additional credit cards. You should be careful about carrying too many credit cards and incurring too much debt as you could find yourself in a situation whereby you may not be able to pay off your monthly interest, much less the principal balance. Credit cards are not insu... |
Is there a way to buy raw oil today and sell it in 1 year time? | You can buy the exchange traded fund ETFS WTI Crude Oil (CRUD), amongst other ETFS products. http://funds.ft.com/uk/Tearsheet/Summary?s=CRUD:LSE:USD Note these funds do not 'jump' when the crude oil futures contracts are in contango (e.g. June contract is priced higher than May) and the futures roll-over, as they do mo... |
What are the alternatives to compound interest for a Muslim? | It depends whether you want to be technically compliant with the letter of the law or compliant with the underlying meaning. For instance, in some countries you can find shell companies that do nothing but deal in fixed income instruments (those that you want to avoid) and dividend stocks (those that you might or might... |
Is it possible to be subject to cash withdrawal even if you don't use ATM? | Probably not. I say probably because your credit card's terms of service may treat certain purchases (I'm thinking buying traveler's checks off-hand) as cash advances. See also this question. |
Why are bank transactions not instant? | It is a rather complex system, but here is a rough summary. Interbank tranfers ultimately require a transfer of reserves at the central bank. As a concrete example, the bank of england system is the rtgs. Only the clearing banks and similar (e.g. bacs) have access to rtgs. You can send a chaps payment fairly quickly, b... |
Sale of jointly owned stock | They may be confused. The combination of "my wife received stock when younger" and "her father just died" leaves questions. A completed gift, when she was a kid, means she has a basis (cost) same as the original owner of that stock. This may need to be researched. The other choice is that she gets a price based on the ... |
Using 2 different social security numbers | Social security number should only be needed for things that involve tax withholding or tax payment. Your bank or investment broker, and your employer, need it so they can report your earnings. You need it when filing tax forms. Other than those, nobody should really be asking you for it. The gym had absolutely no goo... |
Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? | Talk to your parents, and find out if you are reducing the debt or not. Find buyers, sell the place now and get out the deal. Of course you will have to wait to get a good price on it. Short term you haven't lost that much, but long term you will. Take your 25%, and use it as a down payment on a regular bank mortgag... |
Beginner questions about stock market | 1st question: If I bought 1 percent share of company X, but unfortunately it closed down because of some reason as it was 1 million in debt. Since I had 1 percent of it shares, does it mean I also have to pay the 1 percent of it's debt? Stock holders are not liable for anything more than their current holdings. ... |
How can I invest my $100? | You could also start a business. I ran a project called the Thousand Rand Challenge a few years ago in South Africa where we supported people in starting a business for about $100 each. Some of them were surprisingly profitable. You can find a few ideas at the wiki site. |
How to rescue my money from negative interest? | You could buy Bitcoins. They are even more deflationary than Swiss Francs. But the exchange rate is currently high, and so is the risk in case of volatility. So maybe buy an AltCoin instead. See altcoin market capitalization for more information. Basically, all you'd be doing is changing SwissFrancs into Bitcoin/AltC... |
What happens to my stocks when broker goes bankrupt? | Here is my perception of the situation, obtained from reading Degiro's Client Agreement. If Degiro shuts down, it will notify you about the fact at least one month in advance, and you will have enough time to order a transfer of your positions to a different broker. If Degiro shuts down unexpectedly, your assets will r... |
Oversimplify it for me: the correct order of investing | Money is a tool. Here is an "oversimplified" order of investments: |
Is there a good book that talks about all the type of products to invest? | There is no magical book that talks about the thousands of investment instrument types that are available ranging from brown fields land up to CDS futures and beyond. In addition to the huge number the depth of understanding ranges from knowing that a security type exists all the way up to being able to mark the instru... |
How can I improve my credit score if I am not paying bills or rent? | When you say "promptly paying off the outstanding balance", do you mean you pay it off literally as soon as you have incurred the debt? It is important to actually let the debt post on a statement before you pay it off. If you pay it off before the statement posts then this won't help your credit at all. Once the state... |
How can I calculate a “running” return using XIRR in a spreadsheet? | Set your xirr formula to a very tall column, leaving lots of empty rows for future additions. In column C, instead of hardcoding the value, use a formula that tests if it's the current bottom entry, like this: =IF(ISBLANK(A7),-C6, C6) If the next row has no date entered (yet), then this is the latest value, and make it... |
When is an IPO considered failure? | Just skimming through the Wikipedia article on airberlin, I notice there is more to the story than simply "airberlin's IPO failed, so they postponed it and did it anyways." 3 points to keep in mind about IPOs: 1) An IPO is the mechanism for taking a private company and setting it up for shares to be owned by "the publ... |
What investment strategy would you deduce from the latest article from Charles Munger? | So, I've read the article in question, "Basically, It's Over". Here's my opinion: I respect Charlie Munger but I think his parable misses the mark. If he's trying to convince the average person (or at least the average Slate-reading person) that America is overspending and headed for trouble, the parable could have b... |
Avoiding Double-Reporting Income (1099-MISC plus 1099-K) | Your clients should not send you 1099-MISC if they paid with a credit card. You can refer them to this text in the instructions for the form 1099-MISC: Payments made with a credit card or payment card and certain other types of payments, including third party network transactions, must be reported on Form 1099-K by... |
Am I considered in debt if I pay a mortgage? | Yes, a mortgage is debt. It's unique in that you have a house which should be worth far more than the mortgage. After the mortgage crisis, many found their homes under water i.e. worth less than the mortgage. The word debt is a simple noun for money owed, it carries no judgement or negative connotation except when it... |
How come I can't sell short certain stocks? My broker says “no shares are available” | Shorts are difficult because you have to find someone to lend the stock to you. In contrast, put options don't require that. They also have some nice properties like you're only out the contract price. The options chain for BSFT will give you an idea of where the market is. Keep in mind that BSFT only IPO'd last year ... |
Do stocks give you more control over your finances than mutual funds? | In my opinion, the ability to set a sell or buy price is the least of my concerns. Your question of whether to choose individual stocks vs funds prompts a different issue for me to bring to light. Choosing stocks that beat the market is not simple. In fact, a case can be made for the fact that the average fund lags th... |
What ways are there to invest in stocks, options, indexes, etc, and where should one start (what funds)? | Ryan's suggestion to index for your main strategy is dead on. Your risk is highest with one given stock, and decreases as you diversify. Yet, picking the stocks one at a time is an effort, when done right, it's time consuming. For what one can say about Jim "mad money" Cramer, his advice to spend an hour a month studyi... |
Tax benefits to buying stocks on Dec 31 vs. one day later? | For a long term gain you must hold the stock a year and a day, so, the long term hold period will fall into 2015 regardless. This is the only tax related issue that occurs to me, did you have something else in mind? Welcome to Money.SE. |
Where do countries / national governments borrow money from? | The answers provided so far as good and informative, but I just thought I'd add one small point... There are super-national organisations that commonly lend to governments, in particular those in the developing the world. The World Bank and IMF (International Monetary Fund) are the two primary ones. Also quite notably,... |
Which is the better strategy for buying stocks monthly? | To optimize your return on investment, you need to buy low and sell high. If you knew that one stock had hit rock bottom, and the others had not, buying the low stock would be the best. However, unless you can predict the future, you don't know if any individual stock has hit the bottom, or if it will continue to drop... |
Is it better to ask for a raise before a spin-off / merger or after? | I would guess that before the spin-off, more money would be available In my experience the reverse is true. The finance folks go into overdrive tightening everything up so that budget forecasts for the transition period are as accurate and predictable as possible. This can be true 6 months out, 12 months out, etc - dep... |
If throwing good money after bad is generally a bad idea, is throwing more money after good Ok? | The principle behind the advice to not throw good money after bad is better restated in economics terms: sunk costs are sunk and irrelevant to today's decisions. Money lost on a stock is sunk and should not affect our decisions today, one way or the other. Similarly, the stock going up should not affect our decision... |
Terminology: What are the labels associated with a share called? | If the first one is literally a company name, then 'company name' is fine. However, companies can issue shares more than once, and those shares might be traded separately, so you could have 'Google ordinary', 'Google preference', 'Google ordinary issue B'. Seeing the name spelled out in full like this isn't as common a... |
Which account type to use for claimable expense I pay upfront for my employer? | I used Quicken, so this may or may not be helpful. I have a Cash account that I call "Temporary Assets and Liabilities" where I track money that I am owed (or that I owe in some cases). So if I pay for something that is really not my expense, it is transferred to this account ("transferred" in Quicken terms). The pay... |
Should I “hedge” my IRA portfolio with a life cycle / target date mutual fund? | I choose lifecycle funds because I am placing faith (perhaps foolishly) that a full time fund manager knows better what to pick than I. The same reason I go with mutual funds in general apply to to why I also have the lifecycle funds. Presently my diversification strategy is really just index funds and lifecycle fund... |
Planning to invest in stock, age 16 | First of all, since you're 16 - you will not invest in anything. You cannot, you're a minor. You cannot enter contracts, and as such - you cannot transact in property. Your bank accounts are all UGMA accounts. I.e.: your guardian (or someone else who's the trustee on the account) will be the one transacting, not you. Y... |
Why does a stock's price fluctuate so often, even when fresh news isn't available? | In addition to what @George Marian said, a very large portion of trades are from computer programs trained to make trades when certain apparent patterns are observed. Since these programs are not all designed in the same way, much of the supply and demand is a result of different algorithms with different "opinions" o... |
How can I deal with a spouse who compulsively spends? | Perhaps it seems harsh, but I would get separate accounts: credit cards, savings, retirement, all the way down the line. Your only joint account should be for paying mortgage/rent and other bills. And as another poster said, delete all your saved info from browsers &c. Perhaps you even need to set up separate user i... |
Is there a standard check format in the USA? | Nope, anything is that has the required information is fine. At a minimum you need to have the routing number, account number, amount, "pay to" line and a signature. The only laws are that it can't be written on anything illegal, like human skin, and it has to be portable, not carved on the side of a building ( for ex... |
Switching Roth IRA ( from American Funds to Vanguard) | You can have as many IRA accounts as you want (whether Roth or Traditional), so you can have a Roth IRA with American Funds and another Roth IRA with Vanguard if you like. One disadvantage of having too many IRA accounts with small balances in each is that most custodians (including Vanguard) charge an annual fee for... |
Is it wise to have plenty of current accounts in different banks? | Its actually a good thing. The #1 factor to your credit score is your credit utilization. So if you don't spend money unwisely and they don't have any annual fee I would keep them and use them each twice a year to keep them in your credit mix. |
Why is short-selling considered more “advanced” than a simple buy? | The margin rules are also more complicated. A simple buy on a non-margin account will never run into margin rules and you can just wait out any dips if you have confidence the stock will recover. A "simple" short sell might get you a call from your broker that you have a margin call, and you can't wait it out without... |
How can I claim tax back from whilst I was working in Austria? | I don't have any specific situation on the situation in Austria, but in general there are a few things that you should keep in mind. First of all, the official website of the Austrian tax authorities appears to be this one: https://www.bmf.gv.at/steuern/startseite-steuern.html. There is an English page there, but it is... |
Do credit checks affect credit scores? | Hard pulls you give your explicit permission to run do affect your credit. Soft pulls do not. While hard pulls affect your score, they don't affect it much. Maybe a couple few point for a little while. In your daily activities, it is inconsequential. If you are prepping to get a mortgage, you should be mindful. Sim... |
Is giving my girlfriend money for her mortgage closing costs and down payment considered fraud? | With the standard "I am not a lawyer" disclaimer, consider this question: If you and your girlfriend split up sometime after purchasing the house but before getting married, would you expect her to repay you for the closing costs and downpayment? That is, if you write her a check for $5k, and 6 months after she signs ... |
Buying a home without a Real Estate Agent - Who should I get to do the paperwork? | Save yourself a lot of trouble you both agree on a Real Estate Attorney to prepare all the paperwork (ie. contract) and conduct the closing for or with the Title Company. Then you both split the normal costs of the transaction. (Real simple professionally handled and you both save the 6%) |
Are those “auto-pilot” programs a scam or waste of time? | Genuine (nearly) passive income can be had from some kinds of investing. Index funds are an example of a mostly self-managing investment. Of course investment involves some risk (the income is essentially paying you for taking that risk) and returns are reasonable but proportional to the risk -- IE, not spectacular unl... |
What should I look for when looking for stocks that are 'on-sale'? | It might seem like the PE ratio is very useful, but it's actually pretty useless as a measure used to make buy or sell decisions, and taken largely on its own, pretty useless becomes utterly and completely useless. Stocks trade at prices based on future expectations and speculation, so that means if traders expect a co... |
Where can one find intraday prices for mutual funds? | Mutual funds don't have intraday prices. They have net asset values which are calculated periodically (daily or weekly or any other period depending on the fund). |
Calculation of Loss for GM Bonds and Cost Basis of New Issues | I will say in advance this is not a great answer, but I had a similar experience when I owned a CIT bond that defaulted. I ended up getting stock plus 5 newly issued bonds as a replacement for my defaulted bond. My broker had no clue on cost basis and didn't even try for the new securities, I called the "hotline" setup... |
Are U.S. salaries typically measured/reported before tax, or after tax? | In the U.S., virtually all salaries are expressed as "gross salaries", which are before the taxes that the individual must pay on their income. The numbers shown in the links are almost certainly gross salary figures. However, the "gross salary" is not the entire "total compensation" number, which is the total value of... |
Why buy insurance? | It's not a betting game, insurance policy is not akin to a casino bet. While the odds are probably low, the damage of an event may be devastating. Insurance allows mitigating that potential devastating damage, if it occurs. |
Company wants to sell all of its assets, worth more than share price? | The stock exchange here serves as a meeting place for current shareholders who want to sell their shares to someone else. This has nothing to do with liquidation, which is a transaction between the company and its shareholders. A company does not have to be listed on an exchange to make distributions to shareholders. |
Should I include retirement funds in calculating my asset allocation? | Personally, I do asset allocation separately for personal investing and for retirement investing, as I the two have vastly different purposes and I have vastly different goals for each. YMMV depending on how you view your non-retirement investments, and how close you are to retirement. |
Are there extra fees for a PayPal Premier account? | If you are using paypal to sell items online, you need a Premier (or better) account rather than personal. Paypal states: Our fees are the same for Personal, Premier, and Business accounts. [...] If you use your PayPal account to request money from someone, you'll be charged a fee when you receive the payment. |
I have about 20 000 usd. How can invest them to do good in the world? | In the UK, one quirky option in this area (OK, admittedly it's not a passive) is the "Battle Against Cancer Investment Trust" (BACIT). Launched in 2012, it's basically a fund-of-funds where the funds held charge zero management charges or performance fees to the trust, but the trust then donates 1% of NAV to charity e... |
Is Weiss Research, Inc. a legitimate financial research company? | It is a scam organization praying on fear of the simple minded. The facts Edelson presents are not accurate - http://www.sec.gov/litigation/admin/2006/ia-2525.pdf |
Withholding for unexpected Short-Term Capital Gains and Penalties | Assuming U.S. law, there are "safe harbor" provisions for exactly this kind of situation. There are several possibilities, but the most likely one is that if your withholding and estimated tax payments for 2016 totaled at least as much as your tax bill for 2015 there's no penalty. For the full rules, see IRS Publicatio... |
Can I buy and sell a house quickly to access the money in a LISA? | Your first home can be up to £450,000 today. But that figure is unlikely to stay the same over 40 years. The government would need to raise it in line with inflation otherwise in 40 years you won't be able to buy quite so much with it. If inflation averages 2% over your 40 year investment period say, £450,000 would buy... |
Why do companies have a fiscal year different from the calendar year? | I can think of a few good reasons: A company, especially public, usually wants their fourth-quarter earnings to be the strongest of the year. That ends each fiscal year on a high note for the company and its investors, which helps public sentiment and boosts stock prices. So, travel agencies and airlines usually like e... |
What are the usual terms of a “rent with an option to buy” situation? | In most cases an rent with option to buy is structured as follows: The renter/buyer will place a deposit/premium (not the same as a security deposit) that purchases the option( the right ) to buy the home at a future date at a specific price. The renter / buyer will often pay extra rent in addition to market rent. Man... |
Can we estimate the impact of a large buy order on the share price? | There are two distinct questions that may be of interest to you. Both questions are relevant for funds that need to buy or sell large orders that you are talking about. The answer depends on your order type and the current market state such as the level 2 order book. Suppose there are no iceberg or hidden orders and th... |
I can make a budget, but how can I get myself to consistently follow my budget? | Give all your money as well as your budget requirements to someone you really trust. Tell them to give you ONLY what your budget allows. As long as both of you take this seriously, this method will be very effective. |
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