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Buying a house, how much should my down payment be? | As observed, there is no answer that will fit all, but below are some considerations: Your monthly requirement is 5000, so you have 3000 left to pay the monthly instalments (EMI). However, if you do pay 3000, you will have no money left for any other activities (holidays etc.) till your EMI is finished Set off a sum, l... |
Are variable rate loans ever a good idea? | It is often the case (more commonly in countries other than the USA) that a fixed-term loan has an early redemption penalty, because the lender themselves will incur a cost for settling the loan early, while a variable-rate loan does not. If this is the situation and you think you might want to pay off the loan early, ... |
Question about MBS and how it pays | A security is a class of financial instrument you can trade on the market. A share of stock is a kind of security, for example, as is a bond. In the case of your mortgage, what happens: You take out a loan for $180k. The loan has two components. a. The payment stream (meaning the principal and the interest) from the... |
What are some time tested passive income streams? | Royalties. (Once you start getting them.) |
Which U.S. online discount broker is the best value for money? | I am very happy with Charles Schwab. I use both their investing tools and banking tool, but I don't do much investing besides buy more shares a random mutual fund I purchase 4 years ago I did once need to call in about an IRA rollover and I got a person on the phone immediately who answered my questions and followed u... |
How smart is it to really be 100% debt free? | My take is that there are many factors to consider when deciding whether to accelerate payment of a debt beyond the require minimum. Ideally you would want to be debt-free with a home owned outright, a pension big enough to lead a nice life for the rest of your days and plenty of savings to cover any unexpected expense... |
Buying & Selling Call Options | If you sold bought a call option then as you stated sold it to someone else what you are doing is selling the call you bought. That leaves you with no position. This is the case if you are talking about the same strike, same expiration. |
What kinds of exchange-traded funds (ETFs) should specifically be avoided? | Stay away from leveraged or synthetic ETFs. This answer talks about why leveraged ETFs are dangerous. There are numerous articles to be found by searching for "leveraged etf". My answer to this question links to one of the more accessible explanations I've read. |
What to do when a job offer is made but with a salary less than what was asked for? | What I do in those cases - assuming I like the job - is ask for a review in 3-months. They usually take this to mean I want a raise-review and give me a raise. What I really want to know is how I'm doing. Some managers will only give feedback in a review instead of every day. |
PayPal wants me to “add a bank account”, another funding source. Credit card isn't working. Why? | I'm guessing that you've reached the value limit of a payment that can be made without linking your account to a bank account. While you want privacy, PayPal wants to not be a money launderer. You may need to seek an alternative way to pay for this if you're trying to be private about it. |
Unusual real estate market with seemingly huge rental returns | I would not claim to be a personal expert in rental property. I do have friends and family and acquaintances who run rental units for additional income and/or make a full time living at the rental business. As JoeTaxpayer points out, rentals are a cash-eating business. You need to have enough liquid funds to endure un... |
How can online trading platforms be trustworthly? | In most countries trading platforms are legally required to be overseen by a regulator, in the US this is the SEC (Securities and Exchanges Commission). This regulatory oversight is required in order to operate (i.e. have clients) in that country and the company will lose the right to operate in that country if they do... |
Is it normal for brokers to ask whether I am a beginner? | In many places there are legal requirements to do so, essentially made to prevent brokers from selling high-risk products as if they were deposits with guaranteed safety of your funds. There also may be prohibitions on offering high-risk/high-return products to beginner customers, e.g. requiring accredited investor sta... |
How do you invest in real estate without using money? | I've been to one of these seminars: a) you can get a loan of up to $700,000 from the company and only have to pay a fixed amount for the use of money, but you have to pay the loan off in nine months. Or b) you can just invest say $50,000 and you'll get a return of say 4%. But what the company does is take all of the... |
Should you always max out contributions to your 401k? | A terrific resource is this article. To summarize the points given: PROS: CONS: There is no generic yes or no answer as to whether you ought to max out your 401(k)s. If you are a sophisticated investor, then saving the income for investing could be a better alternative. Long term capital gains are taxed at 15% in the U... |
Does reading financial statements (quarterly or annual reports) really help investing? | Yes, especially if you are a value investor. The importance and relevance of financial statements depends on the company. IMO, the statements of a troubled "too big to fail" bank like Citibank or Bank of America are meaningless. In other industries, the statements will help you distinguish the best performers -- if you... |
Does a company's stock price give any indication to or affect their revenue? | Most of stock trading occurs on what is called a secondary market. For example, Microsoft is traded on NASDAQ, which is a stock exchange. An analogy that can be made is that of selling a used car. When you sell a used car to a third person, the maker of your car is unaffected by this transaction and the same goes for s... |
Reinvesting dividends and capital gains | First, do you get charged a commission or other fee for reinvesting? Second, why would capital gains and dividends be grouped together? If the broker charges you for that run away. As Joe explained, it is done as a courtesy. Doesn't this mean if I sell the stock, the profit will be used to buy that stock right back... |
What is the purpose of endorsing a check? | I actually had to go to the bank today and so I decided to ask. The answer I was given is that a check is a legal document (a promise to pay). In order to get your money from the bank, you need to sign the check over to them. By endorsing the check you are attesting to the fact that you have transferred said document... |
As a 22-year-old, how risky should I be with my 401(k) investments? | At 50 years old, and a dozen years or so from retirement, I am close to 100% in equities in my retirement accounts. Most financial planners would say this is way too risky, which sort of addresses your question. I seek high return rather than protection of principal. If I was you at 22, I would mainly look at high r... |
Can I buy only 4 shares of a company? | Yes you can. it's called Odd Lot |
Where can I find a Third Party Administrator for a self-directed solo 401K? | You setup a self-directed solo 401k by paying a one time fee for a company to setup a trust, name you the sole trustee, and file it with the IRS. None of these companies offer TPA because it opens them up to profit leaching liability. After you have your trust setup, you can open a brokerage account or several with any... |
Issuing bonds at discount - computing effective interest rate | Yes, the "effective" and "market" rates are interchangeable. The present value formula will help make it possible to determine the effective interest rate. Since the bond's par value, duration, and par interest rate is known, the coupon payment can be extracted. Now, knowing the price the bond sold in the market, the d... |
Is there a good options strategy that has a fairly low risk? | No. The more legs you add onto your trade, the more commissions you will pay entering and exiting the trade and the more opportunity for slippage. So lets head the other direction. Can we make a simple, risk-free option trade, with as few legs as possible? The (not really) surprising answer is "yes", but there is n... |
Why are some long term investors so concerned about their entry price? | Because buying at discount provides a considerable safety of margin -- it increases the likelihood of profiting. The margin serves to cushion future adverse price movement. Why is so much effort made to get a small percentage off an investment, if one is then willing to let the investment drop another 20% or more w... |
Am I “cheating the system” by opening up a tiny account with a credit union and then immediately applying for a huge loan? | Nope. Credit Unions are for the customers. Since the customers own them, the credit union does what is best for the members. They aren't giving you money, they are loaning it to you for for interest. Furthermore then judged you like any other bank would. High horse moment: I believe the only reason you have to open... |
What reason would a person have to use checks in stores? | Here's another rational reason: Discount. This typically works only in smaller stores, where you're talking directly to the owners, but it is sometimes possible to negotiate a few percent off the price when paying by check, since otherwise they'd have to give a few percent to the credit card company. (Occasionally the ... |
Do stock prices drop due to dividends? | Yes, the stock price drops on official listing. But what gonna happen on first trade after the dividend date, is up to the market. The market is the market, the rules are the rules. I saw prices going up more than once just after the dividend date, exactly because people think will be cheaper. Market doesn't always fol... |
My friend wants to put my name down for a house he's buying. What risks would I be taking? | If you really want to help your friend buy a house, make a counter-offer to buy the house yourself and lease it to your friend, with the option to buy for original purchase cost, plus all interest paid so far to the bank, plus closing costs and other expenses incurred by you, minus payments made so far by the friend. O... |
Is it ok to use a check without a pre-printed check number? | They are valid checks, but you're going to get hassled when you try to use them. There's a perception that people using starter checks are more likely to bounce or otherwise be troublesome. When more payments were made with checks, some vendors would not accept checks with low numbers either! Checks are very cheap to g... |
Efficient International money transfer | Wiring is the best way to move large amounts of money from one country to another. I am sure Japanese banks will allow you to exchange your Japanese Yen into USD and wire it to Canada. I am not sure if they will be able to convert directly from JPY to CND and wire funds in CND. If you can open a USD bank account in... |
Why do companies have a fiscal year different from the calendar year? | Maybe it's just because of the foundation date. If I start a company on August 1st, I would like its FY starts on that date too, in order to track my first whole year. Would be quite useless to finish my year on December, after just five months. I want to have data of my first year after a twelve months activity. |
What is the difference between speculating and investing? | Speculation is when someone else makes an investment you don't like. The above is tongue in cheek, but is a serious answer. There are several attempts at separating the two, but they turn into moral judgements on the value of a pure "buy and hold" versus any other investment strategy (which is itself doubtful: is short... |
How to calculate car insurance quote | Former software developer at an insurance company here (not State Farm though). All of the above answers are accurate and address how the business analysts come up with factors on which to rate your quote. I wanted to chime in on the software side here; specifically, what goes into actually crunching those numbers to p... |
One of my stocks dropped 40% in 2 days, how should I mentally approach this? | If you own the stock today, it doesn't matter what it traded for yesterday. If XYZ is trading for $40 and you own it, ask yourself if it's worth buying today for $40. If it isn't, you may want to consider selling it and buying something that is worth $40. |
Negative properties of continuously compounded returns | You cannot use continuous compounding for returns less than or equal to 100% because a natural logarithm can only be taken for a positive amount. This answer includes the accurate way to ascertain r, for which many people use an approximation. For example, using -20% monthly return for 12 months:- -0.2 -0.223144 0.068... |
What is the best way to learn investing techniques? | Given what you state you should shop around for an advisor. Think of the time required to pursue your strategies that you list? They already have studied much of what you seek to learn about. Any good investor should understand the basics. This is Canadian based but many of the concepts are universal. Hope you find it ... |
What is a good rental yield? | You will find Joe.E, that rents have increased considerably over the last 4 to 5 years in Australia. You can probably achieve rental yields of above 5% more than 20km from major Cities, however closer to cities you might get closer to 5% or under. In Western Sydney, we have been able to achieve rental yields close to 7... |
Can I do periodic rollovers from my low-perfoming 401k to an IRA? | You need to check with your employer. It is called an in-service rollover and it is up to your employer on whether or not it is allowed. There are a lot of articles on it but I would still talk to a professional before making the decision. And there are some new laws in place that put at least some responsibility on yo... |
How do currency markets work? What factors are behind why currencies go up or down? | The fiat currency is the basis for currency markets - that is, currency that is not made of precious metals. The factors that influence what the value of a fiat currency are the state of the country's economy, what the gov't says the value should be, their fiscal policies, as well as what the currency is trading at. ... |
Pros & cons of investing in gold vs. platinum? | It is only wise to invest in what you understand (ala Warren Buffet style). Depending on how much money you have, you might see fit to consult a good independent financial advisor instead of seeking advice from this website. A famous quote goes: “Those who say, do not know. Those who know, do not say” |
If I plan to buy a car in cash, should I let the dealer know? | In the UK at least, dealers definitely want you to take finance. They get benefits from the bank (which are not insubstantial) for doing this; these benefits translate directly to increased commission and internal rewards for the individual salesman. It's conceivable that the salesman will be less inclined to put himse... |
Is keeping old credit cards and opening new credit cards with high limits and never using an ideal way to boost credit scores? | I disagree with the reply. Your both impressions are correct. - Do not close old credit cards because they keep your credit rating high (fico score) - Also low utilization that credit cards report to credit rating companies, improves your rating. |
How do I go about finding an honest & ethical financial advisor? | If your financial needs aren't complex, and mostly limited to portfolio management, consider looking into the newish thing called robo-advisers (proper term is "Automated investing services"). The difference is that robo-advisers use software to manage portfolios on a large scale, generating big economy of scale and t... |
1.4 million cash. What do I do? | I'm still recommending that you go to a professional. However, I'm going to talk about what you should probably expect the professional to be telling you. These are generalities. It sounds like you're going to keep working for a while. (If nothing else, it'll stave off boredom.) If that's the case, and you don't touch ... |
Is keeping old credit cards and opening new credit cards with high limits and never using an ideal way to boost credit scores? | Problems with your plan (in no particular order) there is a limit, once they have decided that you have enough credit they won't offer any more. If the economy changes (like it did in 2008) they can reduce the limit on existing accounts. If you don't use them, they may decide to close them. Using existing cards will en... |
W-4 and withholding taxes for self-employed spouse | With your income so high, your marginal tax rate should be pretty easy to determine. You are very likely in the 33% tax bracket (married filing jointly income range of $231,450 to $413,350), so your wife's additional income will effectively be taxed at 33% plus 15% for self-employment taxes. Rounding to 50% means you ... |
How are people able to spend more than what they make, without going into debt? | Rich people use debt for various reasons. The question should not assume that billionaires don't use debt. They also pay lower interest rates on that debt because they have enough collateral that their debt is safer than a typical mortgage. Many rich people will use interest only mortgages on their primary residences s... |
Online tool to connect to my bank account and tell me what I spend in different categories? | I'm not convinced this is completely possible without additional data. I'm categorizing my purchases now, and I keep running into things like "was this hardware store purchase for home repair, hobby tools and supplies, cookware, ..." Ditto for department stores, ditto for cash purchases which appear only as an ATM wit... |
I'm only spending roughly half of what I earn; should I spend more? | Keep saving or investing, but set aside a relatively modest amount for "fun money". That way, you can go have a good time without thinking too much about what you're spending within the limits you spend for yourself. You don't need to spend lavishly to have a good time! Not having the stress on your shoulders of worry... |
How to use a companion fare if the total fare cost is more than the companion fare limit | You must buy both tickets in 1 transaction and the purchased ticket cannot be purchased with miles. You'll pay full price (technically a "paid published coach airfare") for the first ticket and enter in your discount code for the companion fare which will ring up as $99 + fees ($118 in your example). If the regular pri... |
What kind of life insurance is cheaper? I'm not sure about term vs. whole vs. universal, etc | All life insurance is pretty much the same when it comes to cost. You can run the numbers over certain time period and the actual cost of insurance is about the same. A simplified way to explain life insurance and the differences between them below: The 3 characteristics of life insurance: There are 5 popular types of ... |
Do credit checks affect credit scores? | I've seen my score dip a little bit after every hard pull. (Admittedly, a fako score.) You apply for credit or for a credit increase and your score is going to dip. Any check that is not intended to grant credit (either an existing creditor rechecking, or when you check your own credit) has no effect on your score. ... |
Has anyone compared an in-person Tax Advisor to software like Turbo Tax? | I have fairly simple tax returns and my experience was that TurboTax software produced roughly the same result as human accountant and costs much less. The accountant was never able to find any deductions that the program couldn't find. Of course, if you have business, etc. you probably need an accountant to help you ... |
Basic questions about investing in stocks | A stock represents your share of ownership in a corporation. All of these shares indicate towards your part of ownership in a corporation a shareholder, stockholder or a shareowner in a company. In order to get a stock, be sure to secure the assistance of a licensed stockbroker to buy securities on your behalf. Yes, an... |
Put idle savings to use while keeping them liquid | I'd have a look at Capital One's Online account too, they've got 1.35% interest rate with 10% bonus if you have over $15k deposited. It is still low like all interest rates, but at least it is on top (or at least close)! |
Is buying or selling goods for gold or silver considered taxable? | Of course. The rationale is exactly the same as always: profit is taxed. The fact that you use intermediate barter to make that profit is irrelevant. To clarify, as it seems that you think it makes a difference that no money "changed hands". Consider this situation: So far your cost is $10000. How will the tax authorit... |
Should I pay off my car loan within the year? | Typically the power of capitalized interest would work in your favor and you could carry the loan paying it down while investing the original sum which would earn interest. BUT you aren't going to get any sort of return to compare with 15% so pay off that loan immediately. Also contrary to popular belief (and reiterate... |
Where Can The Fully Diluted Outstanding Shares Of A Company Be Found? | You can calculate the fully diluted shares by comparing EPS vs diluted (adjusted) EPS as reported in 10K. I don't believe they report the number directly, but it is a trivial math exercise to reach it. The do report outstanding common stock (basis for EPS). |
Is insurance worth it if you can afford to replace the item? If not, when is it? | Generically, like farnsy noted in the other answer, you will only come ahead in dollar terms when you are significantly riskier than the average insuree. Otherwise the insurance company would have higher rates to make a profit. In the case of Apple Care there can arguably be other factors involved. If you did not insur... |
Incorporating, issuing stock and evaluating it | No. Mark-to-market valuation relies on using a competitive market of public traders to determine the share price --- from free-market trading among independent traders who are not also insiders. Any professional valuation would see through the promotional nature of the share offer. It is pretty obvious that the purc... |
Transferring money from 403B to 401K? | You can move money from a 403b to a 401k plan, but the question you should ask yourself is whether it is a wise decision. Unless there are specific reasons for wanting to invest in your new employer's 401k (e.g. you can buy your employer's stock at discounted rates within the 401k, and this is a good investment accordi... |
If a stock doesn't pay dividends, then why is the stock worth anything? | Stock has value to the buyer even if it does not currently pay dividends, since it is part ownership of the company (and the company's assets). The owners (of which you are now a part) hire managers to make a "dividend policy decision." If the company can reinvest the profits into a project that would earn more than t... |
How to rescue my money from negative interest? | You might want to talk with your financial planner about any or all of the following: as well as Some of these offer the guarantee of a minimal amount of interest, as well as the ability to take a loan out against the cash value, without lapsing the policy. They may also offer certain tax advantages depending upon you... |
What's the best way to make money from a market correction? | There are a few ways to make money from a market correction: |
Where can I find company filing information in Singapore? | If you are refering to company's financial reports and offerings, the required source for companies to disclose the information is the SGX website (www.sgx.com) under the Company Disclosure tab. This includes annual statements for the last 5 years, prospectus for any shares/debentures/buy back/etc which is being offer... |
How are the $1 salaries that CEOs sometimes take considered legal? | Taxable fringe benefits are included in taxable wages for the purpose of FLSA. So when those executives get to use company cars or company jets that value is "wage" even if it isn't salary. |
American taxes if living outside the US and get paid by US company on a US bank account | I agree with Joe, having the money deposited to the US bank account may land you in trouble. Technically, a US business paying a foreigner must withhold 30% of the payment, unless a tax treaty says otherwise. The US business should do that based on your W8-BEN/W8-ECI form that you should have given to the business befo... |
Can somebody give a brief comparison of TSP and IRAs? | Ideally, one would contribute the maximum amount you're allowed to both the TSP and an IRA. For the 2015 tax year, that would be $18,000 for the TSP and $5,500 for the IRA (if you're 50 or older, then you can add an additional catch up amount of $6,000 to the TSP and $1,000 to the IRA). If, like most people, you cannot... |
How do amortization schedules work and when are they used? | An amortization schedule is often used to produce identical payments for the term (repayment period) of a loan, resulting in the principal being paid off and the debt retired at the end of the loan. This is in contrast to an interest only, or balloon loan. These loans require little or no payment against the balance of... |
Questioning my Realtor | A mortgage lender will not usually lend more than they could get if they had to repossess the property and sell it to recover their investment (in the U.S. it is generally accepted that 80% of market value is the golden number that makes the mortgage work). That's why an appraisal is required. Even with 50% down, the ... |
How to get started with savings, paying off debt, and retirement? | I agree with the other answers here. You need to pay off your debts first, so that you can take the money you would have been spending on debt payments and make retirement contributions instead. The longer they hang around, the more you pay in interest and the more they are a risk to you. Imagine if you or your spou... |
Are TD e-Series Funds worthwhile, or am I better off with ETFs? Why or why not? | TD e-series index funds are great for regular contributions every paycheck since there is no trading commission. The personal finance blog "Canadian Couch Potato" has great examples of what they call "model portfolios" and one consists of entirely TD e-series index funds. Check it out: http://canadiancouchpotato.com... |
What percent of my salary should I save? | What percent of my salary should I save? is tightly coupled with its companion, What size “nest egg” should my husband and I have, and by what age? Interestingly, Mr.Christer's answer, 10%, is the number that plugs into the equation that I reference. Jay's 25X rule is part of this. We start with the assumption that one... |
How do I hedge stock options like market makers do? | Buying the underlying asset will not completely hedge you, only what lies above 155 dollars (strike + price of option) - you still have the risk of losing everything but 5. You have a maximum earnings-potential of 55 dollars (strike of 150 - investment of 100 + option of 5) but you have a risk of losing 95$ (investment... |
Should I sell my stocks when the stock hits a 52-week high in order to “Buy Low, Sell High”? | You asked for advice, so I'll offer it. Trying to time the market is not a great strategy unless you're sitting in front of a Bloomberg terminal all the time. Another person answering your question suggests the use of index funds; he's likely to be right. Look up "asset allocation." What you want to do is decide that... |
Why are American-style options worth more than European-style options? | An option is an instrument that gives you the "right" (but not the obligation) to do something (if you are long). An American option gives you more "rights" (to exercise on more days) than a European option. The more "rights," the greater the (theoretical) value of the option, all other things being equal, of course. T... |
It is worth using a discount stock broker? I heard they might not get the best price on a trade? | Always use limit orders never market orders. Period. Do that and you will always pay what you said you would when the transaction goes through. Whichever broker you use is not going to "negotiate" for the best price on your trade if you choose a market order. Their job is to fill that order so they will always buy it ... |
Is there any circumstance in which it is necessary to mark extra payments on a loan as going to “principal and not interest”? | I had a car loan through GMAC and extra money was applied to future payments. At one point, I received a statement telling me I had 15 months until my next payment was due because I had not marked extra payments as going to principal. |
Is compounding interest on investments a myth? | So my Question is this, in reality is investment in equities like the stock market even remotely resemble the type of growth one would expect if investing the same money in an account with compounding interest? Generally no as there is a great deal of volatility when it comes to investing in stocks that isn't wel... |
Selling a car with a lien | You could have the buyer go to the bank with you so that he can get evidence that the loan will be paid in full and that the lien will be lifted. The bank won't sign over the title (and lift the lien) until the loan is paid back in full. DMV.org has a pretty good section about this. (Note: not affiliated with the actua... |
Should I open a credit card when I turn 18 just to start a credit score? | Definitely not. Credit cards only exist to suck you into the soulless corporate system. What you want to remember here is that you can't trust banks, so you'll want to convert all your savings into some durable asset, say, bitcoins for example, and then hoard them like Smaug until after the Fall. |
Is there an advantage to keeping a liquid emergency fund if one also has an untapped line of credit? | An emergency fund is your money, sitting in a bank, that you can use for emergency purposes. A line of credit is somebody else's money, that they've provisionally promised to let you borrow. But they can change their mind at any time. |
Is there a Canadian credit card which shows holds? | As for PC Mastercard like stated by @nullability, VISA Desjardins list the "Pending Authorizations" almost instantly (the time it's take to get back home) in AccesD (Their Web portal for managing accounts). |
When's the best time to sell the stock of a company that is being acquired/sold? | I'm not sure what you expect in terms of answers, but it depends on personal factors. It pretty well has to depend on personal factors, since otherwise everyone would want to do the same thing (either everyone thinks the current price is one to sell at, or everyone thinks it's one to buy at), and there would be no trad... |
How do I invest in the S&P 500? | The S&P 500 is a stock market index, which is a list of 500 stocks from the largest companies in America. You could open a brokerage account with a broker and buy shares in each of these companies, but the easiest, least expensive way to invest in all these stocks is to invest in an S&P 500 index mutual fund. Inside an... |
Is is possible to take a mortgage using Bitcoin as collateral? | This doesn't make any sense. For the people who ask you this, suggest that they borrow the money to invest with you. They can use their bitcoins as collateral for the loan. That way, they get the same benefit and your company doesn't go out of business if the price of bitcoin drops, even temporarily, because the loan b... |
Should my husband's business pay my business? | Just from my own experience (I am not an accountant): In addition to counting as 'business income' (1040 line 12 [1]) your $3000 (or whatever) will be subject to ~15% self-employment tax, on Schedule SE. This carries to your 1040 line ~57, which is after all your 'adjustments to income', exemptions, and deductions - s... |
Why are banks providing credit scores for free? | Why are banks all of a sudden providing people their credit scores for free? Because it is a really good idea. On an ABC Bank website, it has: "Check your credit score for free" button. You click it. Not only will it come up with a credit score, but it could also trigger a marketing workflow. If it is direct mail... |
Is there a way to tell how many stocks have been shorted? | Generally the number of shares of a U.S. exchange-listed stock which have been shorted are tracked by the exchange and reported monthly. This number is usually known as the open short interest. You may also see a short interest ratio, which is the short interest divided by the average daily volume for the stock. The ... |
How much is an asset producing $X/month is worth? | The simplest way is just to compute how much money you'd have to have invested elsewhere to provide a comparable return. For example, if you assume a safe interest rate of 2.3% per year, you would need to have about $520,000 to get $1,000/month. |
How can I detect potential fraud in a company before investing in them? | Most of the information we get about how a company is running its business, in any market, comes from the company. If the information is related to financial statements, it is checked by an external audit, and then provided to the public through official channels. All of these controls are meant to make it very unlikel... |
How much should a new graduate with new job put towards a car? | As an absolute basic in life you always need 1 month's salary free and clear sitting in the bank. You do not have this. You don't even get to count that. It's what Napoleon would refer to as an "iron reserve": you have to have this. You actually won't even have this for some two or three months. Note that you have a st... |
Is it possible for credit card companies to check credit score in India? | Is it possible for the card issuing banks to check my score without my permission? As far as I understand these things, that is exactly the whole purpose of these sorts of credit-rating institutions. The banks and other financial businesses are their customers. They exist to serve those customers. Their relationship, i... |
Little hazy on how the entire RSU's and etrade works | (I'm assuming the tag of United-states is accurate) Yes, the remaining amount is tax free -- at the current price. If you sell at exactly the original price, there is no capital gain, no capital loss. So you've already payed the taxes. If you sell and there is a capital gain of $3000, then you will pay taxes on the $... |
What are some sources of information on dividend schedules and amounts? | I second the Yahoo! Finance key stats suggestion, but I like Morningstar even better: http://quote.morningstar.com/stock/s.aspx?t=roic They show projected yield, based on the most recent dividend; the declared and ex-dividend dates, and the declared amount; and a table of the last handful of dividend payments. Back to ... |
Why do people buy insurance even if they have the means to overcome the loss? | For a car, you're typically compelled to carry insurance, and picking up "comprehensive" coverage (fire, theft, act of god) is normally cheap. If the car was purchased with a loan, the lender will stipulate that you carry comprehensive and collision insurance. People buy insurance because it limits their liability. In... |
Bank statements - should I retain hardcopies for tax or other official purposes (or keep digital scanned copies)? | In the UK Directgov don't specify anything more than "records", which leads me to think that a digital copy might be acceptable. With regards to bank statements, individuals (i.e. not self-employed, or owning a business) need to keep them for between 12 and 15 months after your tax return, depending on when you filed i... |
How do I screen for stocks that are near to their 52 weeks low | There is a great 3rd party application out there that I use (I am a broker) along with my internal analysts and other 3rd party sources. VectorVest has a LOT of technical information, but is very easy to use. It will run any kind of screen you like, including low 52 week numbers. (No, I don't get anything for recomm... |
Mortgage vs. Cash for U.S. home buy now | Buying now with a mortgage gets you: Waiting to buy with all cash gets you: These are also some of the pros or cons for the rent or buy dilemma that Paul mentioned in comments to the OP. This is a very complex, multi-faceted question, that would not respond well to being put into any equation or financial model. Most p... |
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