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How smart is it to really be 100% debt free? | A Simple Rule to discern between good and bad debt: Does this mean you should never buy a house or car? Of course not. But if you accrue bad debt, make sure that you can handle it and understand the costs and repercussions. |
Why futures has a mark to market concept that is not present in stocks | All margin is marked to market. Option longs do not post margin because long margin trading is forbidden. Equity longs must post margin if cash is borrowed to fund the purchase. Shorts of all kinds must post margin, and the rates are generally the same: a few standard deviations away from the mean daily change of the u... |
Good/Bad idea to have an ETF that encompasses another | You are overthinking it. Yes there is overlap between them, and you want to understand how much overlap there is so you don't end up with a concentration in one area when you were trying to avoid it. Pick two, put your money in those two; and then put your new money into those two until you want to expand into other fu... |
Should I invest in the world's strongest currency instead of my home currency? | A currency that is strong right now is one that is expensive for you to buy. The perfect one would be a currency that is weak now but will get stronger; the worst currency is one that is strong today and gets weak. If a currency stays unchanged it doesn't matter whether it is weak or strong today as long as it doesn't ... |
Is robinhood backed up by an insurance company | robinhood is a member of finra, just like any other broker. as such, they can't legally "lose" your assets. even if they file bankruptcy, you will get your money back. obviously, any broker can steal your assets, but i doubt robinhood is any more likely to steal from you, even if you are rich. here is a quote from an ... |
Do mutual fund companies deliberately “censor” their portfolios/funds? | If I invest in individual stocks I will, from time to time, sell stocks that aren't performing well. If the value of my portfolio has gone up by 10%, then the value of my portfolio has gone up by 10%, regardless of whether selling those stocks is labeled as "delete[ing] failures". Same thing for mutual funds: selling u... |
Is working on a W2 basis, with benefits paid to me, a good idea? | It's hard to answer without knowing all of the details (i.e. what was your salary for each of the options), but I think you probably made a good choice. 1099: Would have required you to pay self-employment tax, but also would have allowed you to deduct business expenses. W2 with benefits: Likely would have been benefic... |
Stocks are traded on secondary markets? | NYSE and Nasdaq are secondary markets where stocks are bought or sold. The process of creating new stocks via IPO or private placements etc are called Private Market. |
Why do stock prices of retailers not surge during the holidays? | While there are lots of really plausible explanations for why the market moves a certain way on a certain day, no one really knows for sure. In order to do that, you would need to understand the 'minds' of all the market players. These days many of these players are secret proprietary algorithms. I'm not quibbling w... |
How can my friend send $3K to me without using Paypal? | Three ideas: PayPal is probably the best/cheapest way to transfer small/medium amounts of money overseas. |
Diversification reduces risk, but does this base on the assumption that expected return of each asset is always in proportion to its risk? | If you are diversifying just for diversification purposes then all you are doing is averaging down your returns. You shouldn't just buy two securities because you think it is safer than putting all your money into one. A better method is to use money management and position sizing to limit your risk and exposure in any... |
Legitimate unclaimed property that doesn't appear in any state directory? | for full disclosure I'm an Independent Contractor and work with Jeff Richman. @ Neil: Question 1: How legitimate is this? If you were never contacted by the company you would never know about the money. Period, end of story. Not trying to be rude but that is the bottom line truth. Look up asset recovery businesses. T... |
Where can one find intraday prices for mutual funds? | This idea does not make sense for most mutual funds. The net asset value, or NAV, is the current market value of a fund's holdings, minus the fund's liabilities, that is usually expressed as a per-share amount. For most funds, the NAV is determined daily, after the close of trading on some specified financial exchange,... |
Corporate Equity Draw vs Income | You tagged with S-Corp, so I assume that you have that tax status. Under that situation, you don't get taxed on distributions regardless of what you call them. You get taxed on the portion of the net income that is attributable to you through the Schedule K that the S-Corp should distribute to you when the S-Corp fil... |
I am the sole owner of an LLC. Does it make a difference if I file as an S-Corp or a sole-member LLC? | S-Corp are taxed very different. Unlike LLC where you just add the profit to your income with S-Corp you have to pay yourself a "reasonable" salary (on w-2) which of course is a lot more paperwork. I think the advantage (but don't hold me accountable for this) is if your S-Corp makes a lot more than a reasonable salary... |
Why are Bank of America and Citi trading so far below book value? | Its not just Citi and BoFA, even Barclays, HSBC and other large Banks are trading below book value in markets they are listed. Are there particular assets that are causing these two banks to be valued lower relative to their book values than the other banks? There no particular assets. Given the current economic situat... |
How to prevent myself from buying things I don't want | My approach won't work for everyone, but I keep a longer list of things I want in my head, preferably including higher value items. I then look at the cost of an item vs the amount of benefit it gets me (either enjoyment or ability to make more money or both). If I only had a few things I wanted, it would be easy to ... |
How smart is it to really be 100% debt free? | Having no debt should be the ultimate goal for every household, IMHO, but at what cost? As an example, I had some clients (before they started working with me) that had outstanding debt when they retired and were gung-ho to pay it off. They opted to take it out of their retirement accounts. They didn't set aside enou... |
Does an owner of a bond etf get an income even if he sells before the day of distribution? | Your ETF will return the interest as dividends. If you hold the ETF on the day before the Ex-Dividend date, you will get the dividend. If you sell before that, you will not. Note that at least one other answer to this question is wrong. You do NOT need to hold on the Record date. There is usually 2 days (or so) be... |
Should I set a stop loss for long term investments? | My broker offers the following types of sell orders: I have a strategy to sell-half of my position once the accrued value has doubled. I take into account market price, dividends, and taxes (Both LTgain and taxes on dividends). Once the market price exceeds the magic trigger price by 10%, I enter a "trailing stop %" ... |
If there's no volume discount, does buying in bulk still make sense? | I agree with Rich Seller. Avoiding a trip to the store is a benefit. Not only do you save the time and hassle, but there's real money saved if a car trip is avoided: I maintain a spreadsheet for all of my car expenses – depreciation, maintenance, insurance, license & registration, gas, etc. Combined with starting & e... |
How to acquire skills required for long-term investing? | I would say that the three most important skills are: Note that some costs are hidden. So, for example, a mutual fund investing in other countries than where you live in may mean the investment target country charges a certain percentage of dividends going to the mutual fund. The mutual fund company doesn't usually wan... |
How do I find out the Earnings Per Share of a Coca Cola Co Share? | You're missing a very important thing: YEAR END values in (U.S.) $ millions unless otherwise noted So 7098 is not $7,098. That would be a rather silly amount for Coca Cola to earn in a year don't you think? I mean, some companies might happen upon random small income amounts, but it seems pretty reasonable to assume ... |
How to read DOJI chart pattern correctly? | Candle stick patterns are generally an indication of possible short term changes in price direction (if a reversal pattern). A doji is such a reversal candle, and should be read as there could be a short term change in the direction of price action. A doji is most effective at peaks or troughs, and the outcome can be a... |
How does investment into a private company work? | Each company has X shares valued at $Y/share. When deals like "Dragon's Den" in Canada and Britain or "Shark Tank" in the US are done, this is where the company is issuing shares valued at $z total to the investor so that the company has the funds to do whatever it was that they came to the show to get funding to do, t... |
Why would you elect to apply a refund to next year's tax bill? | If your refund is so small (like $20 - $25), and it's not worth receiving, it can be put towards next years just to give you a slight edge. |
Estimated Taxes Fall Short of tax liability — how do I pay extra online (Federal and NYS) | If you qualify for the safe harbor, you are not required to pay additional quarterly taxes. Of course, you're still welcome to do so if you're sure you'll owe them; however, you will not be penalized. If your income is over $150k (joint) or $75k (single), your safe harbor is: Estimated tax safe harbor for higher incom... |
Contract job (hourly rate) as a 1099: How much would I be making after taxes? | In addition to taking into account your deductions, as mentioned by @bstpierre, you also need to account for vacation, and other time off such as sick days. You also need to estimate what percentage of the year you expect to be working and pro-rate your salary accordingly. For example it is not uncommon to use 40 week... |
Can someone recommend a book that discusses the differences between types of financial statements? | Why Stocks go up and Down by William H Pike is a great source if you are looking to interpret statements for stock analysis. This book really starts from the beginning and clearly explains with a running example of a fake company. |
How can I find a list of all North American ETF's including symbols? | You can use www.etfdb.com and search on geography. |
Should I buy out my brother on a property we will inherit before making improvements? | If your father is still able to make financial decisions and sign contracts, I see a better option. Have your father borrow against his equity to finance the renovation. Example: the house is worth 400 now. He can borrow 100 against that. He spends it on the addition, making the house worth 500, with the same 400 of e... |
Should I invest in a Health Insurance +1 policy from my Employer? | One thing to look into is if there is an extra fee for covering a spouse under you plan, if she is covered under her own employer's plan. I know that my wife's company charges around $100-$200 a year if I was to be covered under her plan, since I am eligible for the coverage where I work. As far as tax issues, there s... |
How do I know if a dividend stock is “safe” and not a “dividend yield trap”? | zPesk has a great answer about dividends generally, but to answer your question specifically about yield traps, here are a few things that I look for: As with everything, if it looks too good to be true, it probably is. A 17% yield is pretty out of this world, even for a REIT. And I wouldn't bet on it holding up. Co... |
What is the smartest thing to do in case of a stock market crash | Precious metals also tend to do well during times of panic. You could invest in gold miners, a gold or silver ETF or in physical bullion itself. |
Having a separate bank account for business/investing, but not a “business account?” | You don't specify which country you are in, so my answers are more from a best practice view than a legal view.. I don't intend on using it for personal use, but I mean it's just as possible. This is a dangerous proposition.. You shouldn't co-mingle business expenses with personal expenses. If there is a chance this w... |
New car cash vs finance | The question is about the dealer, right? The dealer isn't providing this financing to you, Alfa is, and they're paying the dealer that same "On the Road" price when you finance the purchase. So the dealer gets the same amount either way. The financing, through Alfa, means your payments go to Alfa. And they're willin... |
Home Valuation in a Dodgy neighborhood | Over the last ten years you have reaped the benefits of a good financial decision. (Presumably your low mortgage has freed up money for other financial priorities.) There would be no harm in making a clean break by selling as is. On the other hand, the resale value would probably be rather low considering the conditio... |
JCI headache part 2: How to calculate cost basis / tax consequences of JCI -> ADNT spinoff? | OK, I found this filing by JCI on the SEC website: U.S. Federal Income Tax Consequences of the Distribution to U.S. Holders For U.S. federal income tax purposes, the distribution will not be eligible for treatment as a tax-free distribution by Johnson Controls with respect to its stock. Accordingly, the distribution wi... |
How can my friend send $3K to me without using Paypal? | If wire transfer through your bank does not work then perhaps one of the more popular money transfer services may be what you are looking for such as MoneyGram or Western Union. Now these rely on a trusted "registered" third party to do the money transfer so you need to make sure that you are working with a legitimate ... |
Why would a long-term investor ever chose a Mutual Fund over an ETF? | First, it's not always the case that ETFs have lower expenses than the equivalent mutual funds. For example, in the Vanguard family of funds the expense ratio for the ETF version is the same as it is for the Admiral share class in the mutual fund version. With that in mind, the main advantages of a mutual fund over a... |
How can I improve my credit score if I am not paying bills or rent? | You can improve your credit score simply by being an authorized user on someone's credit card account. They don't even physically have to give you a card to use, they can just add you to the account as an authorized user and your credit score will be affected. Be forewarned though, it can be negatively impacted as we... |
Advice for a college student interested in investment opportunities. | Over a period of time most mutual funds do not perform better that an index fund. Picking and buying individual stock can be a great learning experience. |
Double-entry accounting: how to keep track of mortgage installments as expenses? | Because a paying down a liability and thus gaining asset equity is not technically an expense, GnuCash will not include it in any expense reports. However, you can abuse the system a bit to do what you want. The mortgage payment should be divided into principle, interest, and escrow / tax / insurance accounts. For exa... |
What should my finances look like at 18? | I was in a similar situation at age 18/19, but not making quite as much money. I maxed out an IRA and bought savings bonds, although rates were decent then. I did flitter away about half of what I earned, which in retrospect was probably dumb. But I had a good time! |
What did John Templeton mean when he said that the four most dangerous words in investing are: ‘this time it’s different'? | Essentially, he means "one ignores history at their own peril". We often hear people arguing that "the old rules no longer apply". Whether it be to valuations, borrowing, or any of the other common metrics, to ignore the lessons of the past is to invite disaster. History shows us that major crises in the markets usu... |
Paying restaurants in cash instead of credit card - how signficant is this? | You know those perks/benefits that you don't want to give up? Those are funded by the fees you are trying to eliminate by paying cash. The credit card company makes money by interest, merchant fees, and other fees such a annual fees. They give you perks to generate more transactions, thus bringing in more merchant fees... |
What is the stock warrant's expiration date here? | These warrants do not have a fixed expiration date, rather their expiration date is dependant upon the company completing an acquisition. Thirty days after the acquisition is complete the warrants enter their exercise period. The warrants can then be exercised at any time over the next five years. After five years t... |
Receive money from US Client to Myself in India by selling services | Depending on how tech savvy your client is you could potentially use bitcoin. There is some take of indian regulators stopping bitcoin exchanges, meaning it might be hard to get your money out in your local country but the lack of fees to transfer and not getting killed on the exchange rate every time has a huge impact... |
I'm upside down on my car loan and need a different car, what can I do? | I am new to the site and hope I can help! We just purchased a used car a few weeks ago and used dealer's finance again so that's not the issue here. I want to focus on what you can do to resolve your issue and not focus on the mistakes that were made. 1 - DO NOT PURCHASE A NEW CAR! Toyota Camrys are great cars that wi... |
What are the alternatives to compound interest for a Muslim? | I cannot tell you what is or is not allowed under Islamic law. What I can tell you is that when most investors talk about the "power of compound interest," they are not actually necessarily talking about interest! The idea of the magic of compound interest is that when you receive an interest payment on your investment... |
Can preventive health checkup be claimed as a separate expense from medical expenses? | Deduction for Health Checkup is allowed under Section 80D and is allowed to everyone whether Salaried or Business/Professional. However, Exemption for Medical Reimbursement of Rs. 15000 is allowed under a different section. A salaried employee can take benefit of both Medical Reimbursement of Rs. 15,000 as well as Pre... |
What's the best application, software or tool that can be used to track time? | There are tonnes, and tonnes of things out there, but you have to be careful what you search for. Be specific about what you want. If you search for "time sheet" for example, you'll just get a bucket of stuff having to do with stylesheets, because there's more of that around. The most common type of small tool for tr... |
Any tax advantage for registering a residential house as a business? (I want to apply legal pressure to my landlord) | To the best of my knowledge, in California there's no such thing as registering a place as a business. There's zoning (residential/commercial/mixed/etc), and there's "a business registered at a place". But there's no "place registered as a business". So you better clarify what it is that you think your landlord did. It... |
Do rental car agencies sell their cars at a time when it is risky for the purchaser? | A premium car rental agency will sell a car which is working very well and quite far from the verge of breaking apart. They don't want to take the risk that one of their premium customers paying premium rates receives a worn-looking car which runs less than absolutely perfect (or even breaks down). They need to keep up... |
Townhouse or stand-alone house for a first home? | Houses tend to appreciate more than condos. Houses are also more expensive. So it's a choice. You mention your girlfriend will be buying it with you. Take the time now to decide what will happen if you split up and put it in writing. Are you splitting the downpayment and mortgage 50/50? If not things can get complicate... |
Are there any investment strategies which take advantage of an in-the-money option price that incorporates no “time value”? | you asked for strategies which use deep in the money options: dividend mispricing can use deep in the money options, basically its an arbitrage play on ex-dividend dates. and any kind of spread can use deep in the money options, depending on how wide you want your spread to be |
Facebook buying WhatsApp for 19 Billion. How are existing shareholders affected? | Of course it is a dilution of existing shareholders. When you buy milk in the supermarket - don't you feel your wallet diluted a little? You give some $$$ you get milk in return. You give some shares, you get Watsapp in return. That's why such purchases must go through certain process of approval - board of directors (... |
How can I pay for school to finish my degree when I can't get a student loan and have bad credit? | a) Talk to the financial aid counselors at your school. There's a very good chance they have at least a partial solution for you. Let them know your dependency status has changed (if it has). I declared myself to be financially independent from my parents (I really was) and qualified for more aide. b) How much austerit... |
Where do short-term traders look for the earliest stock related news? | I work for a fund management company and we get our news through two different service providers Bloomberg and Thomson One. They don't actually source the news though they just feed news from other providers Professional solutions (costs ranging from $300-1500+ USD/month/user) Bloomberg is available as a windows instal... |
Why don't SPY, SPX, and the e-mini s&p 500 track perfectly with each other? | As Ross says, SPX is the index itself. This carries no overheads. It is defined as a capitalization-weighted mixture of the stocks of (about) 500 companies. SPY is an index fund that tries to match the performance of SPX. As an index fund it has several differences from the index: |
Frustrated Landlord | If you're losing money or breaking even, you own a bad investment. The problem you have is that you are emotionally invested in your tenant. That isn't a bad thing in general but it's costing you money and, unless interest rates fall enough to justify a refi or property taxes go down in your area, that's kind of unlik... |
Why do US retirement funds typically have way more US assets than international assets? | You need growth in your retirement fund. Sad to say but the broad U.S. marks still has better growth perspective than the emerging markets. Look at China they are only at 6.7% growth for next year the same as this year. Russia's economy is shrinking. These are the other two super powers of 2015. The USA is still the b... |
What are some time tested passive income streams? | Renting a house out using a management company is mostly passive income. Earning affiliate income from companies that pay on a recurring basis is closer to passive income. |
Should I pay off a 0% car loan? | The question posted was, "Should I pay off a 0% car loan"? The poster provided a few details: I'm ahead on 0% interest car loan. I don't have to make a payment until October. I currently owe $3,000 and I could pay it all off. Should I do that or leave that money in my savings account that earns 2% interest? The questio... |
What are the options for a 19-year-old college student who only has about $1000? | Kid, you need to start thinking in thresholds. There are several monetary thresholds that separate your class from a more well funded class. 1) You cannot use margin with less than $2000 dollars Brokers require that you have at least $2000 before they will lend to you 2) In 2010, Congress banned under 21 year olds from... |
Will paying off my car early hinder my ability to build credit? | Don't fuss about your credit score when you're paying 9%. Get rid of the loan as fast as you can. Period. |
Why an inner suburbs small apartment considered a risky investment | The banks see small apartments as a higher risk because usually very small apartments are harder to sell, especially during a falling market when there is an oversupply of these apartments. The price of small apartments will also fall a lot quicker in a falling market. Regarding yield vs capital growth - the emphasis h... |
What are “trailing 12-month total returns”? | Total Return is the percent change in value (including andy dividends) of an instrument. The "trailing 12-month" means that your starting point is the value 12 months ago. So the formula is: where V is the value of the instrument on the reference date, V0 is the value of the instrument 12 months prior to the referenc... |
What are the reasons to get more than one credit card? | Another reason is that the amount of unused credit you have is a positive factor on your credit score. It's generally easier to open several different accounts for $X dollars each with different banks than to get your current bank to raise your limit severalfold in a single go. Your current bank has to worry about wh... |
Should I try to negotiate a signing bonus? | I was able to request a modest advance on my salary when I started my first job out of college, for essentially the same reason. Alternatively, you might consider requesting a small personal loan from friends or family. If you have a credit card that can cover things like grocery expenses for that period, this may also... |
Why is gold not a good investment? | Gold is not really an investment at all, because it doesn't generate an income. It's only worth money because people think it's worth money (it has some industrial uses, but most gold is used as a store of value and not for industrial purposes), not because of its income stream. |
Is my employee stock purchase plan a risk free investment? | It's a risk free investment only if you have 100% warranty that you will be able to sell these stocks for a better price than what you've paid. And that's virtually impossible. I don't think there is any "risk free investment" when stocks are involved. You can try to minimize the risks and consider them low, but IMO it... |
How does one determine the width of a candlestick bar? | You could theoretically use any time period unit, but 1 minute and 30 minute seem to be the most common and useful. Especially for active traders. This also has the added advantage of giving you useful insight into the trade volumes throughout the day; assuming that is also included on the chart. I think most inclu... |
Is it acceptable to receive payment from U.S. in Indian saving bank account via PayPal? | It is fine to receive payments into Indian Savings Bank account. There are no restriction on deposits. There are only restrictions on number of withdrawls in a quarter. A Current[a.k.a Checking] account makes it easier to manage. You haven't asked about tax, but I you may already know you would need to pay taxes irres... |
Possibility to buy index funds and individual funds in a Canadian TFSA | This page from the CRA website details the types of investments you can hold in a TFSA. You can hold individual shares, including ETFs, traded on any "designated stock exchange" in addition to the other types of investment you have listed. Here is a list of designated stock exchanges provided by the Department of Fina... |
Using stock markets in Europe, how can I buy commodities / resources, to diversify my portfolio? | I recommend avoiding trading directly in commodities futures and options. If you're not prepared to learn a lot about how futures markets and trading works, it will be an experience fraught with pitfalls and lost money – and I am speaking from experience. Looking at stock-exchange listed products is a reasonable appro... |
How to get 0% financing for a car, with no credit score? | Is it possible to get a 0% interest rate for car loan for used car in US? Possible? Yes. It's not illegal. Likely? Not really. $5K is not a very high amount, many banks won't even finance it at all, regardless of your credit score. I suggest you try local credit unions, especially those that your employer is sponsori... |
Comparison between buying a stock and selling a naked put | Yes, of course there have been studies on this. This is no more than a question about whether the options are properly priced. (If properly priced, then your strategy will not make money on average before transaction costs and will lose once transaction costs are included. If you could make money using your strategy,... |
Do corporate stock splits negate share repurchase programs? | Companies do both quite often. They have opposite effects on the share price, but not on the total value to the shareholders. Doing both causes value to shareholders to rise (ie, any un-bought back shares now own a larger percentage of the company and are worth more) and drops the per-share price (so it is easier to ... |
What should I consider when I try to invest my money today for a larger immediate income stream that will secure my retirement? | I don't understand the OP's desire " I'd love to have a few hundred dollars coming in each month until I really get the hang of things. " When growing your wealth so that it will be large enough in retirement to throw off enough profits to live on ... you must not touch the profits generated along the way. You must r... |
Invest in ESPP Single Stock or General Market | Make sure to check the language describing the 'discount'. The company may be matching your contribution by 5% instead of a discount. You will likely be taxed on the match as compensation and your benefit would net to less than 5%. The next risk is that you've increased your exposure if your company does poorly. In... |
What is the difference between a structured collar and a normal collar in finance? | Let's start with a definition: A Collar is a protective strategy for a position in the underlying instrument created by purchasing a put and selling a call to partially pay for the put option purchased or vice versa. Based on that definition, there are two different types of collars. Each is a combination of two simple... |
Do Banks Cause Inflation? What are other possible causes? | There are several causes of inflation. One is called cost push — that is, if the price of e.g. oil goes up sharply (as it did in the 1970s), it creates inflation by making everything cost more. Another is called demand pull: if labor unions bargain for higher wages (as they did in the 1960s), their wage costs push up p... |
What is insider trading exactly? | Insider trading is any trading done on material non-public information relating to an instrument. If my sister, who works for a drugs testing company, tells me that stage 3 trials of a drug look like they will fail and I trade on that information (probably by shorting a company's stock) that is insider trading. If an ... |
If a company's assets are worth more than its market cap, can one say the shares must be undervalued? | Imagine a poorly run store in the middle of downtown Manhattan. It has been in the family for a 100 years but the current generation is incompetent regarding running a business. The store is worthless because it is losing money, but the land it is sitting on is worth millions. So yes an asset of the company can be wor... |
30% share in business | Get involved a lawyer and Accountant. Without it you may not be sure what you are getting. What exactly will 30% mean for me? It will mean exactly what gets written in contract. It can mean you are owner of 30% of the company. If this is structured as partnership, it would also mean you are party to 30% loss. It can me... |
What is the lifespan of a series of currency? | US currency doesn't expire, it is always legal tender. I can see some trouble if you tried to spend a $10,000 bill (you'd be foolish to do so, since they are worth considerably more). Maybe some stores raise eyebrows at old-style $100's (many stores don't take $100 bills at all), but you could swap them for new style ... |
How to check the paypal's current exchange rate? | PayPal does charge a premium, both for sending and receiving. Here's how you find their rates: |
What one bit of financial advice do you wish you could've given yourself five years ago? | When I was contracting I wish I had joined a tax efficient umbrella organisation rather than just work as a sole trader. I also wish I had put money aside to pay my taxes rather than just spend it all. :( |
Closing a futures position | Futures exchanges are essentially auction houses facilitating a two-way auction. While they provide a venue for buyers and sellers to come together and transact (be that a physical venue such as a pit at the CME or an electronic network such as Globex), they don't actively seek out or find buyers and sellers to pair th... |
Am I considered in debt if I pay a mortgage? | The expression "in debt" when talking about a person's financial affairs means that the sum of debit balances on all accounts exceeds the sum of credit balances on all accounts. A mortgage account is not excluded from that. This definition also does not consider whether any of the debt is secured, or ownership of as... |
Is there an online service that provides public company information through a public API? | I don't know of any free API's for these data, but I'll provide what information I can. Compiling all of this information from the EDGAR system and exposing an interface to it requires a fair amount of work and maintenance, so it's usually market data companies that have the motivation and resources to provide such int... |
Learn investing as a programmer | My master's thesis was on using genetic algorithms and candle stick method. If you are familiar, the AI was used to answer questions like "what is a long day", which is not formally defined in most candle stick texts. So in theory unlimited potential for learning including teaching machines to learn. Wall street pa... |
Why is mortgage interest deductible in the USA for a house you live in? | Well quite a few countires have tax breaks on the first house you own ... this is typically to promote people to have atleast one house of their own ... having a house of your own provides lot more stability in the long run ... and without tax breaks it makes it difficult for quite a few to own a house ... the tax brea... |
What determines the price of fixed income ETFs? | The literal answer to your question 'what determines the price of an ETF' is 'the market'; it is whatever price a buyer is willing to pay and a seller is willing to accept. But if the market price of an ETF share deviates significantly from its NAV, the per-share market value of the securities in its portfolio, then an... |
Is there any way to buy a new car directly from Toyota without going through a dealership? | As someone who was just recently a salesman at Honda, I'd recommend buying a Honda instead :). If you really prefer your Toyota, I always found quote-aggregation services (Truecar, I'm blanking on others) very competitive in their pricing. Alternatively, you could email several dealerships requesting a final sale price... |
How hard for US customers make payments to non-resident freelancer by wire transfer? | Can you tell me please, is it really hard to make international wire transfer for payment my job and can i resolve this problem without using third party services? This is mostly a barrier, the form at times is quite complicated. For Russia, one has to enter "Purpose of remittance" ... at times select intermediate bank... |
How to protect yourself from fraud when selling on eBay UK | Just ship using a reputable courier (definitely not Yodel or Hermes!) that requires and obtains a surname and signature which you can view on their website (Citylink, Parcel Force to name a couple). Then remember to submit the tracking details when you mark the item as shipped on eBay. If the buyer is still brazen enou... |
Why do credit cards require a minimum annual household income? | I don't know, but I can guess. You'll notice the Elite card has higher rewards. A card might want to convince merchants that they represent high end buyers, and use that to negotiate higher merchant discounts. Issuing bank: "Our 10 million card holders are sophisticated and have lots of discretionary income. If you don... |
Why does FlagStar Bank harass you about payments within grace period? | One option is to try to get a month ahead on your mortgage payments. Rather than using the current month's rent to pay the current month's mortgage payments, try to use the previous month's rent to pay the current month's mortgage payments. This should allow you to pay on time rather than late but not unacceptably la... |
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