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How to rescue my money from negative interest? | I'd prefer having it (more or less) fluent at any time, if possible... And the Swiss National Bank (SNB) will do their darndest to make this a costly option. That's exactly the point of negative interest rates. They don't want to help you saving money. So you will have to choose what to give up: liquidity, or profitabi... |
I have $100,000 in play money… what to do? | As you have already good on your retirement kitty. Assuming you have a sufficient cash for difficult situations, explore the options of investing in Shares and Mutual Funds. As you are new to Stock Market, begin slowly by investing into Mutual Funds and ETF for precious metals. This will help you understand and give yo... |
In a competitive market, why is movie theater popcorn expensive? | It's called extracting consumer surplus. Basically I have a bunch of movie goers (who have paid a lot for their tickets). Some of them don't like popcorn, and some do. Of the people in the latter group, there are some who are willing to pay a lot for it. That's partly because I have a select group (rich movie goers) an... |
Pay down on second mortage when underwater? | I think everyone else answered before you added the info about your car loan in your comment. While it makes sense to pay off loans with the highest interest rate first, keep in mind that in most cases you can deduct mortgage interest from your taxable income. So the after-tax rate of interest that you're paying on you... |
How do currency markets work? What factors are behind why currencies go up or down? | According to Soros in "The Alchemy of Finance", exchange rates fluctuations are mostly influenced by: (sorry I do not have the quote here, and I am paraphrasing from the top of my head what I read about a week ago). I mention his point of view as he is one of the most successful hedge fund manager ever, proved his skil... |
What is “beta” for an investment or a portfolio, and how do I use it? | I don't think either of these answers are accurate. A beta of 0 means that your stock/portfolio does not change accordingly or with the market, rather it acts independent. A beta above 0 means the stock follows what the market does. Which means if the market goes up the stock goes up, if the market goes down, the stock... |
Why real estate investments are compared via “cap rate”? | Cap Rate is the yearly return NOT including your mortgage. Everyone will finance the property differently. From 0% - 100% down. This is why Cap Rate is the best way to compare properties. Once you include your finance it is then called Cash-On Cash Return (CCR). |
H&R Block says form 1120 not finalized? IRS won't take it yet? | This form is due March 15. This year, the 15th is Saturday, so the deadline is Monday March 17th. Keep in mind, the software guys would have two choices, wait until every last form is finalized before releasing, or put the software out by late November when 80%+ are good to go. Nothing is broken in this process. Keep... |
Is it okay to be married, 30 years old and have no retirement? | First, I would recommend getting rid of this ridiculous debt, or remember this day and this answer, "you will be living this way for many years to come and maybe worse, no/not enough retirement". Hold off on any retirement savings right now so that the money can be used to crush this debt. Without knowing all of your ... |
What will happen when a bid price is higher than an ask price? | The situation you're proposing is an over-simplification that wouldn't occur in practice. Orders occur in a sequence over time. Time is an important part of the order matching process. Orders are not processed in parallel; otherwise, the problem of fairness, already heavily regulated, would become even more complex. Fi... |
Is it possible to block previously authorized ACH access? | I had a similar situation a while ago, and here's what I learned: What are our options here to ensure that this company can't retry to take our money again via ACH? Close existing account and create a new one that has different account number? Yes. As a temporary solution keep ~$0 balance in the account so that their r... |
Can a car company refuse to give me a copy of my contract or balance details? | Phone conversations are useless if the company is uncooperative, you must take it into the written word so it can be documented. Sent them certified letters and keep copies of everything you send and any written responses from the company. This is how you will get actual action. |
Should I finance a new home theater at 0% even though I have the cash for it? | If you do it, be sure to read what you sign. They'll sign you up on some type of "credit insurance" and not tell you about it. It costs like $10 a month. If you don't sign up for that, you should be fine. I bought my HDTV this way, though I wish I would have saved and paid up front. I'm moving more towards the "cash on... |
Do you know of any online monetary systems? | I recently came across bitcoin, it is what I was really looking for at the time. |
How does Value Averaging work in practice? | Value averaging has you shift the balance of your portfolio over time, not the amount of contributions. So you can only do it if you have a portfolio holding both risky assets (shares etc) and some cash. You start out by making a plan about how much you will contribute every month and at what rate you expect the share... |
How to rescue my money from negative interest? | Withdraw your savings as cash and stuff them into your mattress? Less flippantly, would the fees for a safe deposit box at a bank big enough to hold CHF 250'000 be less than the negative interest rate that you'd be penalized with if you kept your money in a normal account? |
Is it possible to split taxation of funds earned from a crowdfunding campaign over multiple years? | I think you should really start a limited company for this. It'll be a lot simpler to spread the income over multiple years if your business and you have completely separate identities. You should also consult an accountant, if only once to understand the basics of how to approach this. Having a limited company would a... |
Why would a company have 2 listings on the same exchange? | Some companies like Royal Dutch Shell have multiple share classes to suit the tax regimes in Holland and the UK the A shares have dutch withholding tax applied and the B shares dont. Also some split capital investment trusts have multiple share classes http://www.trustnet.com/Education/Split.aspx?ms=1 |
What to do with an expensive, upside-down car loan? | You could do a voluntary repossession. While a repossession never looks good on your credit a voluntary repossession is slightly better. A good friend of mine had a situation like this about 11 years ago. She was in an accident didn't have replacement coverage insurance and was left with a large chunk of debt on a wre... |
What emergencies could justify a highly liquid emergency fund? | I recently drove past Winslow, Arizona and knocked out the fuel pump in my truck. It cost $500 to repair, and the tow would have been another several hundred if I hadn't had a Good Samaritan's club card, since it was the weekend. 2-3 days would not be acceptable in this sort of scenario. And that was just the fuel pump... |
My university has tranfered me money by mistake, and wants me to transfer it back | Confirming whether the payment was an error The simplest method is to confirm manually with the University whether the payment was a mistake and satisfy that between yourselves. If you're concerned it's fraudulant, I recommend calling the University finance office on a phone number you find on their website, or call on... |
Are warehouse clubs like Costco and Sam's Club worth it? | I'm guessing it depends on how much you'd be paying for membership. If you save more than the membership costs you and you actually use the products you buy and they don't get thrown away, then it's worth it. I'm not a member of a warehouse club but I do have a membership for another wholesale outlet, so I know a littl... |
Should I pay off my 50K of student loans as quickly as possible, or steadily? Why? | Two things you should consider about paying off student loans ahead of the 10 year amortization schedule: What interest rate are you paying on your loans? What are you earning on your investments in a balanced mutual fund? When you pay off your student loans you are essentially guaranteed a return of the interest rate ... |
How do dividends of the underlying security in a security futures contract affect the security futures price? | The owner of a long futures contract does not receive dividends, hence this is a disadvantage compared to owning the underlying stock. If the dividend is increased, and the future price would not change, there is an arbitrage possibility. For the sake of simplicity, assume that the stock suddenly starts paying a divide... |
Are stock index fund likely to keep being a reliable long-term investment option? | For index funds to be a poor investment, they would have to perform worse than your alternative investments. In this case, we'll assume the alternative to be the individual stocks. Obviously, it must be possible to pick just the winning stocks and avoid the losing stocks, raising your rate of return... however, sever... |
Is CLM a stock or an ETF? | I find the reg, at last. https://www.sec.gov/cgi-bin/browse-edgar?company=Cornerstone+Strategic+Value+Fund&owner=exclude&action=getcompany Yes, its a common stock. |
Free brokerage vs paid - pros and cons | Emotion aside, you can calculate the cost of the funds you have tied up at the bank. If I can earn 5% in a CD, my "free" checking with minimum $5000 balance really costs me $250/yr. You have money tied up, I understand, but where would you place it otherwise, and at what return? The subject of frequent trading even a... |
How and Should I Invest (As a college 18 year old with minimal living expenses)? | I have about $1K in savings, and have been told that you should get into investment and saving for retirement early. I make around $200 per week, which about $150 goes into savings. That's $10k per year. The general rule of thumb is that you should have six months income as an emergency fund. So your savings should b... |
If there's no volume discount, does buying in bulk still make sense? | To Rich Seller's point, we live 1/2 gallon of gas and 30 minute round trip from the supermarket. For the items that are non-perishable, such as bathroom or facial tissue, paper towels, shampoo,soap, toothpaste, etc, there's value in never running out of it. (@JohnFx - your point is well taken. When my daughter was a ... |
Are traders 100% responsible for a stock's price changes? | Yes, the value of a stock is completely, 100% determined by what people are willing to pay for it in conjunction with what people who have it are willing to sell it for. If something really bad happened to a company, like their only factory burned to the ground, and the traders didn't care, then I guess, in that scenar... |
Are the stocks of competitor companies negatively correlated? | In theory, say we had two soft drink companies, and no other existed. On Jan 1, they report they each had 50% market share for the past year. Over the next year, one company's gain is the other's loss. But over the year, for whatever reason, the market has grown 10% (all the stories of bad water helped this), and while... |
Why might it be advisable to keep student debt vs. paying it off quickly? | Like all other loan-vs-savings questions, it depends on the terms of the loan. If you have a choice, the usual answer is to pay off the loan with the worst terms (which usually means the highest interest rate) first, and only start with savings when you've paid off all the high-interest loans entirely. If your student ... |
How to trade “exotic” currencies? | Use a currency ETF. there are many. Specific to your question there is WisdomTree Dreyfus Brazilian Real Fund (BZF) I don't happen to find a currency ETF for Thailand, so the closest you could come to a Thai currency fund would be something that's an Index fund ETF that is based on an index in the Thai Market such as... |
online personal finance software that I can host myself | You can use www.mint.com for most of your requirements. It works great for me, it's free and I'd say is secure. Hosting that kind of service just for your will be time-consuming and not necessarily more secure than most of the stuff that is readily available out there. Good luck. |
Should I cash out my Roth IRA to pay my mother's property tax debt, to avoid foreclosure on her home? | First, I'm really sorry to hear about your mother. My wife was recently diagnosed with Stage 4 cancer, so I know that there is a possibility that your mind is in "survival" mode, trying to preserve as much as you can in the way of things that you can effect (that's how I've been feeling recently). Having a loved one wi... |
Why can't online transactions be completed outside of business hours? | Generally, unless you're doing a wire transfer, bank transactions are processed in batches overnight. So the credit card company won't be able to confirm your transfer until the next business day (it may take even longer for them to actually receive the money). |
Why invest for the long-term rather than buy and sell for quick, big gains? | Playing the markets is simple...always look for the sucker in the room and outsmart him. Of course if you can't tell who that sucker is it's probably you. If the strategy you described could make you rich, cnbc staff would all be billionaires. There are no shortcuts, do your research and decide on a strategy then stick... |
Will unpaid taxes prevent me from getting a business license? | Generally these things are unrelated. Your tax debt is to agency X, your license is (mostly) from agency Y. If your business involves agency X, then it may be a problem. For example, you cannot get a EA license (IRS Enrolled Agent) if you have unsettled tax debt or other tax compliance issues. You should check Michigan... |
Is Mint allowed to share user data with other Intuit entities? | I wound up asking Mint over email so I'll share the answer I received: Thank you for contacting Mint.com. From my understand you want to know if Mint can transfer data to other Intuit products and vice versa. Let me address your concern based from what I can see on my tools. Upon confirming, while Mint and other I... |
Tenant wants to pay rent with EFT | Alternative solution with possibly better results: Use a 3rd party to transfer money between both of you. 2 Services you may want to look at: Rent share might be the best option. We are using it to split payment between 3 people in our unit. The owner is getting a single check that appears to be coming from all of us. ... |
Huge return on investment, I feel like im doing the math wrong | And now it is at about $3. Many times "skeletons" are bought and inflated for various reasons. Some are legitimate (for example a private business merging into a defunct but public corporation to avoid wasting resources on going public), some are not (mainly pump-and-dump scams that are using "skeletons"). I don't know... |
Should I take a student loan to pursue my undergraduate studies in France? | Stripping away the minutia, your question boils down to this: Should I take a loan for something that I may not be able to repay? The correct answer, is "No". |
Option trading: High dollar value stock option and equity exposure | Seems like you are concerned with something called assignment risk. It's an inherent risk of selling options: you are giving somebody the right, but not the obligation, to sell to you 100 shares of GOOGL. Option buyers pay a premium to have that right - the extrinsic value. When they exercise the option, the option imm... |
What if 40% of the remaining 60% Loan To Value (ratio) is not paid, or the borrower wants to take only 60% of the loan? | This is the meat of your potato question. The rephrasing of the question to a lending/real estate executive such as myself, I'd ask, what's the scenario? "I would say you're looking for an Owner Occupied, Super Jumbo Loan with 20% Down or $360K down on the purchase price, $1.8 mil purchase price, Loan Amount is ~$1.45 ... |
How do freight derivatives like Forward Freight Agreements (FFAs) work? | The product descriptions for FFA swaps and options can be found here: http://www.lchclearnet.com/freight/ffas/products.asp The index (e.g. the BFA) is based on the settlement prices of the P2, P2A, and C4 contracts and the panamax TC routes. As such it's just a performance index and replicates the returns you'd get f... |
Is there a standard check format in the USA? | Many years ago, I worked on software that had to print the date, payee, and amounts on pre-printed checks. Other than the MICR line (which had a particular placement with respect to the bottom edge and required a particular font in a particular point size), most aspects of the check layout and format were up to the pa... |
How long do wire transfers take? | The experience I have with wire transfers is from Australia to the US. These transfers can take up to 5 business dates (i.e. a whole week including the non-business days of the weekend). I would have thought intra-European transfers would be quicker, given how behind most US (regional) banks are in their electronic tra... |
What is the purpose of endorsing a check? | In my experience, you don't need to endorse a check with a signature to deposit it into your account. You do if you are exchanging the check for cash. Businesses usually have a stamp with their account number on them. Once stamped, those checks are only able to be deposited into that account. Individuals can do the... |
Non US-resident, need to file 83b election TODAY with the IRS - I have an SSN but it says “valid for work only with DHS auth” - is this OK? | Google that "valid for work..." phrase. You'll find that you have a SSN; it is valid for many purposes; it is valid for obtaining work, only when accompanied by DHS authorization. Doesn't anyone know how to use commas anymore? |
Is there such a thing as a deposit-only bank account? | Usually the most significant risk scenarios here are: Third parties can abuse your routing/account numbers to initiate debits, but this is a type of fraud that is easily traced. It can happen, but it is more likely that it would be a scenario where you were specifically targeted vs. the victim of some random fraud. Def... |
W8-BEN for an Indian Citizen | According to the Form W-8BEN instructions for Part II, Line 10: Line 10. Line 10 must be used only if you are claiming treaty benefits that require that you meet conditions not covered by the representations you make on line 9 and Part III. For example, persons claiming treaty benefits on royalties must complete this... |
What size “nest egg” should my husband and I have, and by what age? | For most people, a million dollars is about right. Here's the back of the napkin math that you should consider to find your own estimate: If you take 1 and divide it by 2, that's roughly the size of the nest egg you'll need to live indefinitely. For example, if your retirement investments are earning 5% a year, and you... |
Are you preparing for a possible dollar (USD) collapse? (How?) | I recently finished reading a book that you may be interested in based on your question, The Ultimate Suburban Survivalist Guide. The author begins with a discussion of why he thinks the US economy and currency could collapse. It gets a little scary. Then he goes into great detail on commodities, specifically gold. The... |
If I believe a stock is going to fall, what options do I have to invest on this? | Aganju has mentioned put options, which are one good possibility. I would suggest considering an even easier strategy: short selling. Technically you are borrowing the stock from someone and selling it. At some point you repurchase the stock to return to the lender ("covering your short"). If the stock price has fal... |
What options do I have at 26 years old, with 1.2 million USD? | If you can still work, I think a very good course of action would be to invest the majority of the money in low-cost index funds for many years. The reason is that you are young and have plenty of time to build a sizable retirement fund. How you go about this course of action depends on your comfort level with managing... |
What to do with a distribution as a young person? | I have money to invest. Where should I put it? Anyone who answers with "Give it to me, I'll invest it for you, don't worry." needs to be avoided. If your financial advisor gives you this line or equivalent, fire him/her and find another. Before you think about where you should put your money, learn about investing. Tak... |
Can I send a money order from USPS as a business? | Sure you can. You can fill in whatever you want in the From section of a money order, so your business name and address would be fine. The price only includes the money order itself. You can hand deliver it yourself if you want, but if you want to mail it, you'll have to provide an envelope and a stamp. Note that, si... |
Is interest on a personal loan tax deductible? | When you pay interest on a loan used to fund a legitimate investment or business activity, that interest becomes an expense that you can deduct against related income. For example, if you borrowed $10k to buy stocks, you could deduct the interest on that $10k loan from investment gains. In your case, you are borrowing... |
Confused about google portfolio chart | You bought 1 share of Google at $67.05 while it has a current trading price of $1204.11. Now, if you bought a widget for under $70 and it currently sells for over $1200 that is quite the increase, no? Be careful of what prices you enter into a portfolio tool as some people may be able to use options to have a strike pr... |
Are prepayment penalties for mortgages normal? | It's not uncommon to have a small penalty if you pre-pay the mortgage in a short time. After all, making the loan isn't free for the bank. But as Nathan says, if a bank is planning to try very hard to stop you from giving them money, there is probably a reason. Try to convince your wife: there is nothing inherently wr... |
Online tools for monitoring my portfolio gains/losses in real time? | The trick is real time. I like to wake up in the morning, turn on my computer and see at a glance the gain or loss data on each of my stock and bond at that moment. Companies like Ameritrde offer them, but you have to enroll and trade stock in them. |
Other than being able to borrow to invest, how is a margin trading account different from a cash account? | Two more esoteric differences, related to the same cause... When you have an outstanding debit balance in a margin the broker may lend out your securities to short sellers. (They may well be able to lend them out even if there's no debit balance -- check your account agreement and relevant regulations). You'll never... |
Paying tax for freelance work while travelling | Having freelanced myself in South America I could give you a sound advice BUT you would first need to answer some questions. 1) How long do you plan on being in South America? At the end of 2017 will you be back in Ireland or still being in South America? In other words was is your country of residence for tax purpose... |
How often do typical investors really lose money? | So how often do investors really lose money? The short answer is, every day. Let's first examine your assumptions: If the price of the share gets lower, the investor can just wait until it gets higher. What are the chances that it won't forever, or for years? There are many stocks whose price goes down and then dow... |
Trading : how to deal with crashes (small or big) | caveat: remember that complex derivatives can be very bad for your wealth (even if you FULLY understand them). |
Negative interest rates and search for yield | Can it be so that these low-interest rates cause investors to take greater risk to get a decent return? With interest rates being as low as they are, there is little to no risk in banking; especially after Dodd-Frank. "Risk" is just a fancy word for "Will I make money in the near/ long future." No one knows what the a... |
Interest on security deposits paid to landlords, in Michigan? | NO. The legislation requires the landlord to deposit it in a bank. Check out pages 7-10 of the linked document. There is no mention of interest. The second clause, I believe, is probably for large landlords who hold hundreds of thousands of dollars of security. http://www.legislature.mi.gov/documents/publications/... |
Does borrowing from my 401(k) make sense in my specific circumstance? | You're getting great wisdom and options. Establishing your actionable path will require the details that only you know, such as how much is actually in each paycheck (and how much tax is withheld), how much do you spend each month (and yearly expenses too), how much spending can you actually cut or replace, how comfort... |
0% APR first 12 months on new credit card. Can I exceed that 30% rule of thumb and not hurt my credit score? | Your utilization ratio history is irrelevant to its impact on your credit score. If you run up 80% of your utilization In January, then pay it back to 10% in March, your score in March will reflect the new reduced ratio with no memory of the 80% utilization last month. With that said, don't go around overspending just... |
Buying from an aggressive salesperson | I have a very simple rule. For anything other than trivial purchases (a small fraction of my monthly income), the only final decision I will make in the presence of a salesperson is "No". After I have the terms nailed down, and still feel that I am likely to buy the item, I leave the store, car dealership etc., and thi... |
Did my salesman damage my credit? What can I do? | This shows the impact of the inquiries. It's from Credit Karma, and reflects my inquiries over the past two years. In my case, I refinanced 2 properties and the hit is after this fact, so my score at 766 is lower than when approved. You can go to Credit Karma and see how your score was impacted. If in fact the first in... |
Precious metal trading a couple questions | Limited Price is probably equivalent to the current par value of a "limit order". Markets move fast, and if the commodity is seeing some volatility in the buy and sell prices, if you place an ordinary buy order you may not get the price you were quoted. A "limit order" tells your broker or whomever or whatever is makin... |
How and why does the exchange rate of a currency change almost everyday? | The basic idea is that money's worth is dependent on what it can be used to buy. The principal driver of monetary exchange (using one type of currency to "buy" another) is that usually, transactions for goods or services in a particular country must be made using that country's official currency. So, if the U.S. has so... |
Can I profit from selling a PUT on BBY? | Yes, theoretically you can flip the shares you agreed to buy and make a profit, but you're banking on the market behaving in some very precise and potentially unlikely ways. In practice it's very tricky for you to successfully navigate paying arbitrarily more for a stock than it's currently listed for, and selling it ... |
Is there lesser or no tax on assets? | US federal tax law distinguishes many types of income. For most people, most of their income is "earned income", money you were paid to do a job. Another category of income is "capital gains", money you made from the sale of an asset. For a variety of reasons, capital gains tax rates are lower than earned income tax ra... |
How to get started with the stock market? [duplicate] | There's several approaches to the stock market. The first thing you need to do is decide which you're going to take. The first is the case of the standard investor saving money for retirement (or some other long-term goal). He already has a job. He's not really interested in another job. He doesn't want to spend thousa... |
How to invest in a specific market without investing in a specific company? | You need to hope that a fund exists targeting the particular market segment you are interested in. For example, searching for "cloud computing ETF" throws up one result. You'd then need to read all the details of how it invests to figure out if that really matches up with what you want - there'll always be various trad... |
Are reimbursements from company taxable,and do I need to deduct them? | I'm assuming that you're in the US. In that case, the answer is that it depends on how your company set up its reimbursement plan. The IRS recognizes "accountable" and "nonaccountable" plans. Accountable plans have to meet certain requirements. Anything else is nonaccountable. If you are reimbursed according to an... |
Why would people sell a stock below the current price? | Firstly, if a stock costs $50 this second, the bid/ask would have to be 49/50. If the bid/ask were 49/51, the stock would cost $51 this second. What you're likely referring to is the last trade, not the cost. The last trading price is history and doesn't apply to future transactions. To make it simple, let's define ... |
Can one use dollar cost averaging to make money with something highly volatile? | As you mentioned in the title, what you're asking about comes down to volatility. DCA when purchasing stock is one way of dealing with volatility, but it's only profitable if the financial instrument can be sold higher than your sunk costs. Issues to be concerned with: Let's suppose you're buying a stock listed on th... |
How can I figure out how a stock's price would change after I buy shares? | It depends on many factors, but generally, the bid/ask spread will give you an idea. There are typically two ways to buy (or sell) a security: With a limit order, you would place a buy for 100 shares at $30-. Then it's easy, in the worst case you will get your 100 shares at $30 each exactly. You may get lucky and have ... |
Why ever use a market order? | The original poster's concern is valid. Sometimes, market orders do get executed at seemingly ridiculous prices. In addition to Victor's reasons for using a market order, sometimes a seller does not care how low the price is. For example, after a company goes broke, its stock continues to trade for a while. This all... |
Is short selling a good hedging strategy during overzealous market conditions? | I saw that an answer hasn't been accepted for this yet: Being bearish is a good hedging strategy. But being hedged is a better hedging strategy. The point being that not everything in investments is so binary (up, and down). A lot of effective hedges can have many more variables than simply "stock go up, stock go down"... |
Primary residence converted to a rental property & tax implications | Schedule E is the form you'll use. It lists nearly all deductions you can take for a rental. TurboTax Deluxe will handle it and it includes State Filing. |
For very high-net worth individuals, does it make sense to not have insurance? | Yes, and the math that tells you when is called the Kelly Criterion. The Kelly Criterion is on its face about how much you should bet on a positive-sum game. Imagine you have a game where you flip a coin, and if heads you are given 3 times your bet, and if tails you lose your bet. Naively you'd think "great, I should ... |
Why does ExxonMobil's balance sheet show more liabilities than assets? | I believe you are missing knowledge of how to conduct a ratio analysis. Understanding liquidity ratios, specifically the quick or acid-test ratio will be of interest and help your understanding. http://www.investopedia.com/terms/a/acidtest.asp Help with conducting a ratio analysis. http://www.demonstratingvalue.org/res... |
Insurance company sent me huge check instead of pharmacy. Now what? | nan |
What is the “substantial difference” that might occur in the google shares? [duplicate] | Presumably you're talking about the different share class introduced in the recent stock split, which mean that there are now three Google share classes: Due to the voting rights, Class A shares should be worth more than class C, but how much only time will tell. Actually, one could very well argue that a non-voting sh... |
Can dividends be exploited? | In addition to the other answers it's also noteworthy that the stock exchanges themselves adjust the price quotes via their ex-div mechanism. All limit orders present in the book when the stock goes ex-div will be adjusted by the dividend. Which means you can't even get "accidentally" filled in the very unlikely case ... |
Is the interest on money borrowed on margin in/for an RRSP considered tax deductible? | I believe your question is based on a false premise. First, no broker, that I know of, provides an RRSP account that is a margin account. RRSP accounts follow cash settlement rules. If you don't have the cash available, you can't buy a stock. You can't borrow money from your broker within your RRSP. If you want to bo... |
If throwing good money after bad is generally a bad idea, is throwing more money after good Ok? | Is investing more money into a stock that you already have a stake, in which has gone up in price a good idea? What you describe here is a good idea when the stock keeps up-trending. The way to do it is say you have originally bought $1000 worth of shares, then the next purchase you buy $500 worth, then $250 worth. It ... |
Do gift cards expire? Does a gift certificate's value depreciate? How long can I keep them for? | It depends on: In Canada, Ontario, Manitoba, Alberta and Nova Scotia have each enacted legislation to stop gift cards/certificates from expiring. Cards issued before the effective date are still subject to the old rules. The legislation came into effect: There are several common themes: There are still some unusual e... |
Can you explain this options calls & puts quote table to me? | (Note: I am omitting the currency units. While I strongly suspect it's US$ I don't know from the chart. The system works the same no matter what the currency.) A call or a put is the right to sell (put) or buy (call) shares at a certain price on a certain day. This is why you see a whole range of prices. Not all pos... |
Is there a NY tax form to use when one is missing a K-1 (or 1065) from an LLC? | Form 10-K is filed by corporations to SEC. You must be thinking of form 1065 (its schedule K) that a partnership (and multi-member LLC) must file with the IRS. Unless the multi-member LLC is legally dissolved, it must file this form. You're a member, so it is your responsibility, with all the other members, to make sur... |
What is a trade exchange and are they reputable or not? | I think this is off topic, but here is a stab: So these are cashless. It could be a way to smooth out the harsh reality of capitalism (I overproduced my product, I have more capacity than I can sell) and I can trade those good to other capitalists who similarly poorly planned production or capacity. Therefore the mark... |
Historical share price at exact day and time | An alternative to paying thousands of dollars for historical prices by the minute: Subscribe to real time data for as low as USD$1.5/month from your broker, then browse the chart. |
Why do people buy stocks that pay no dividend? | Shares in a company represent a portion of a company. If that company takes in money and doesn't pay it out as a dividend (e.g. Apple), the company is still more valuable because it has cold hard cash as an asset. Theoretically, it's all the same whether your share of the money is inside the company or outside the comp... |
Is it worth it to reconcile my checking/savings accounts every month? | My wife and I are paid every two weeks. I go on line see the exact deposit, add it to register, and see what checks cleared. In effect, I reconcile twice per month, and the statement can't be different that what their system tells me. Since the online site shows "last statement balance" I feel there's no need to bother... |
How do annual risks translate into long-term risks? | The short answer is the annualised volatility over twenty years should be pretty much the same as the annualised volatility over five years. For independent, identically distributed returns the volatility scales proportionally. So for any number of monthly returns T, setting the annualization factor m = 12 annualises t... |
Malaysian real estate: How to know if the market is overheated or in a bubble? | The Motley Fool suggested a good rule of thumb in one of their articles that may be able to help you determine if the market is overheating. Determine the entire cost of rent for a piece of property. So if rent is $300/month, total cost over a year is $3600. Compare that to the cost of buying a similar piece of propert... |
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