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How to make a decision for used vs new car if I want to keep the car long term? | This is my opinion as a car nut. It depends on what you want out of a car. For your situation (paying cash, want to keep the car long-term but also save money) I recommend seriously considering a slightly used vehicle, maybe 2 or 3 years old, or a "certified pre-owned vehicle". Reasons: Much less expensive than a brand... |
Taxation of shares | If you sell your shares for more than their value at the time you received them (i.e. you make a profit) then you will be liable for capital gains tax - but only if the profit exceeds your annual allowance (£11,100, in tax year 2015-16). This is unrelated to how you came by the shares in the first place. (Note that the... |
Can I sell my home with owner financing when I still have an FHA loan? (and should I?) | You have to pay off the balance on the loan first. Also, FHA loans are not supposed to be used for rental properties. I don't know how you living there for a number of years changes things or how often is that rule enforced but you might need to refinance even if you rent it out. |
Can I transfer my West Australian rock lobster quota units into my SMSF? | SMSFs are generally prohibited from acquiring assets from related parties (whether it is purchased by the SMSF or contributed into the fund). There are some exceptions to the above rule for acquiring related party assets, including: • Listed securities (ie shares, units or bonds listed on an approved stock exchange, su... |
Considering investing in CHN as a dividend stock | CHN is a Closed-End Fund. CHN actually pays out three types of distributions: In the case of CHN, they appear to be paying yearly. The most recent dividend, with exdate of 18 Dec 2014, consisted of $3.4669 of Long-term capital gains and $0.2982 cash dividend. Prior to that, the dividend with exdate of 19 Dec 2013 cons... |
question about short selling stocks | If you had an agreement with your friend such that you could bring back a substantially similar car, you could sell the car and return a different one to him. The nature of shares of stock is that, within the specified class, they are the same. It's a fungible commodity like one pound of sand or a dollar bill. The o... |
Sales Tax Licence/Permit - When is it required and how can I make a use of it as a non-US resident selling in USA? | Disclaimer: I am not a tax specialist You probably need a sales tax permit if you're going to sell goods, since just about every state taxes goods, though some states have exemptions for various types of goods. For services, it gets tricker. There is a database here that lists what services are taxed in what states; i... |
What happens when the bid and ask are the same? | This question is impossible answer for all markets but there are 2 more possibilities in my experience: |
Is it inadvisable to leave a Roth IRA to charity upon death? | I think what those articles are saying is: "If you want to leave some money to charity and some to relatives, don't bequeath a Roth to charity while bequeathing taxable accounts to relatives." In other words, it's not "bad" to leave a Roth IRA to charity, it's just not as good as giving it to humans, if there are huma... |
Super-generic mutual fund type | Since this is your emergency fund, you generally want to avoid volatility while keeping pace with inflation. You really shouldn't be looking for aggressive growth (which means taking on some risk). That comes from money outside of the emergency fund. The simplest thing to do would be to shop around for a different sa... |
How Warren Buffett made his money | Despite Buffett's nearly perfect consistent advice over the past few decades, they don't reflect his earliest days. His modern philosophy seemed to solidify in the 1970s. You can see that Buffett's earliest days grew faster, at 29.5 % for those partners willing to take on leverage with Buffett, than the last half cent... |
Why is the price of my investment only updated once per day? | There is no fundamental, good reason, I think; "that's just how it's done" (which is what all the other answers seem to be saying, w/o coming out and admitting it). Just guessing, but I'll bet most of the reason is historical: Before up-to-the-moment quotes were readily available, that was a bit tedious to calculate/up... |
At what point do index funds become unreliable? | The argument you are making here is similar to the problem I have with the stronger forms of the efficient market hypothesis. That is if the market already has incorporated all of the information about the correct prices, then there's no reason to question any prices and then the prices never change. However, the mec... |
Why might it be advisable to keep student debt vs. paying it off quickly? | There are several ways you can get out of paying your student loans back in the USA: You become disabled and the loan is dismissed once verified by treating doctor or the Social Security Administration. You become a peace officer. You become a teacher; generally K-12, but I have heard from the DOE that teachers at stat... |
If I go to a seminar held overseas, may I claim my flights on my tax return? | I think you can. I went to Mexico for business and the company paid for it, so if you are self employed you should be able to expense it. |
How risky is it to keep my emergency fund in stocks? | I've read the answers and respect the thought behind them. I'd like to focus on (a) the magnitude of the emergency, and (b) the saving rate of the people affected. 3-6 months is interesting. It's enough not just to fix the car, repair the A/C, etc, but more than enough to lose one's job and recover. (Let's avoid the d... |
Is there a “reverse wash sale” rule? | Yes, the newly bought shares will have a long-term holding period, regardless of when you sell them. In addition, it's only a wash sale if you sold the first shares for a loss; it's not a wash sale if you sold them for a gain. Wikipedia mentions this: When a wash sale occurs, the holding period for the replacement sto... |
Buying a truck to write off on taxes | Assuming your country is the United States there is. See schedule C line 9 and the corresponding instructions. There are many rules associated with this, in some cases the entire purchase can be written off but typically if the truck is only used for business. Most people write off partial usage in the form of cred... |
Invest in (say, index funds) vs spending all money on home? | Rules of thumb? Sure - Put down 20% to pay no PMI. The mortgage payment (including property tax) should be no more than 28% of your gross monthly income. These two rules will certainly put a cap on the home price. If you have more than the 20% to put down on the house you like, stop right here. Don't put more down an... |
How should one structure a portfolio given the possibility that a Total Stock Market Index might decline and not recover for a long time? | Common financial advice is just that - it is common and general in nature and not specific for your financial needs, your goals and your risk tolerance. Regarding the possibility of a US market not going anywhere over a long period of time, well it is not a possibility, it has happened. See chart below: It took 13 yea... |
How are unmarketable market orders (other side of the order book is empty) matched with incoming orders? [duplicate] | I don't have all the answers. On a illiquid stock, such situations do arise and there are specific mechanisms used by exchanges to match the order. It is generally not advisable to use market order on illiquid stock. There are lots of different variations here. I guess this comes down to specifications for individual e... |
If a stock doesn't pay dividends, then why is the stock worth anything? | The company gets it worth from how well it performs. For example if you buy company A for $50 a share and it beats its expected earnings, its price will raise and lets say after a year or two it can be worth around $70 or maybe more.This is where you can sell it and make more money than dividends. |
Should you always max out contributions to your 401k? | My observations is that this seems like hardly enough to kill inflation. Is he right? Or are there better ways to invest? The tax deferral part of the equation isn't what dominates regarding whether your 401k beats 30 years of inflation; it is the return on investment. If your 401k account tanks due to a prolonged m... |
Start Investing - France | You mention you have an LDD. If your income is below a certain threshold (as of today, 19 255 € a year for a single person; quite likely if you're just a student), then you can open a Livret d'épargne populaire (in short, LEP). It works almost exactly the same as a Livret A / LDD, except that: Just like a Livret A / LD... |
Automatic transaction on credit card to stay active | Putting money into your Amazon gift card balance is also a very convenient option, but I like these recurring Red Cross and Wikipedia ideas also. |
Owner-Financed home sale or Land Contract — how to handle the transaction and the ongoing entity? | Great question, but I'm thinking you'll want to get a professional who can look at your specific situation and do it right. I wouldn't go solely on advice here. Having said that, though, my decidedly non-professional advice: The other alternative is to take a bit of a profit hit, and demand that the seller pay cash. ... |
Is there a term for total money owed to you? | Is there a word for that $20k owed? Trade Receivables, Accounts Receivables, or just Receivables Is there a different word for that $30k "hypothetical" total? Current Assets (Includes Inventory and other short term assets) |
How are mortgage interest rates determined? | Sheegan has a great explanation of how the TBA market contributes to mortgage rates. The 30 Year Mortgage rates are closely tied to the 10-Year Treasury. One can track this rate at many stock quoting sites using symbol TNX. |
How smart is it to really be 100% debt free? | 100% debt free is an objective. Being there is good, but as long as you have a plan to get there, are sticking to it and it's moving you towards it at a reasonable rate (e.g. "I will be debt free by the end of 2011."), you should be in good shape. It's when you don't ever expect to be debt free that you have a problem.... |
Pay off car loan entirely or leave $1 until the end of the loan period? | I used to work for Ally Auto (formerly known as GMAC) and I'd advise not to pay off the account unless you need to free up some debt in your credit report since until the account is paid off it will show that you owe your financial institution the original loan amount. The reason why I am saying not to pay-off the acco... |
Theoretically, if I bought more than 50% of a company's stocks, will I own the company? | It is also worth noting that one of the character defining features of a publicly traded company is that the management that is responsible for the day to day operations of the stands independent of those who have ownership. Shareholder of a public company typically don't have influence over the day to day running of t... |
Advantages of Shareholder over Director in new Company | I don't know Australian law, but I will give my US perspective here. The custom in the US is for officers and directors to be indemnified by the corporation, and that LLCs have an even broader power to indemnify (even to remove the duty of loyalty!). Moreover, directors will typically be able to purchase D&O insuranc... |
Snowball debt or pay off a large amount? | Basically, your CC is (if normal) compounded monthly, based on a yearly APR. To calculate the amount of interest you'd pay on each of these accounts in a year, pull up a spreadsheet like Office Excel. Put in your current balance, then multiply it by the annual interest rate divided by 12, and add that quantity to the b... |
What happens if a company I have stock in is bought out? | I've seen many buyouts in my own portfolio, including the company I worked for. There have been several different scenarios: The terms of the deal are subject to the deal -- frankly whatever makes sense to the buyer and that is accepted by the seller. So sometimes brokers charge reorganization fees. check into those ... |
After Market Price change, how can I get it at that price? | Buying stocks is like an auction. Put in the price you want to pay and see if someone is willing to sell at that price. Thing to remember about after hours trading; There is a lot less supply so there's always a larger bid/ask price spread. That's the price brokers charge to handle the stocks they broker over and abov... |
What can I replace Microsoft Money with, now that MS has abandoned it? | www.mint.com is a very good web site that can upload your financial data from your bank and analyze it for you. Security concerns seem to have been addressed reassuringly. |
Someone asks you to co-sign a loan. How to reject & say “no” nicely or politely? | I'm going to be buying a house / car / home theater system in the next few months, and this loan would show up on my credit report and negatively impact my score, making me unable to get the financing that I'll need. |
Why are capital gains taxed at a lower rate than normal income? | There are many reasons, which other answers have already discussed. I want to emphasize and elaborate on just one of the reasons, which is that it avoids double taxation, especially on corporate earnings. Generally, for corporations, its earnings are already taxed at around 40% (for the US - including State income tax... |
Why diversify stocks/investments? | Diversifying is the first advice given to beginner in order to avoid big loss. For example in 2014 the company Theranos was really appealing before it fail in 2016. So a beginner could have invest ALL his money and lose it. But if he has deverified he wouldn't lost everything. As an investor goes from beginner to exper... |
What are the pros and cons of buying a house just to rent it out? | I would suggest the use of a management company to handle a rental property. They will take care of things like collecting rent, coordinating repairs and all the little things that come up when dealing with a renters. They typically charge a percentage of the rent or a flat fee, so make sure you include that in you... |
Can a wealthy investor invest in or make a deal with a company before it goes public / IPO? | Yes, it is common for investors to make equity investments in technology companies pre-IPO. There are technology incubators like Y Combinator that exist to make "angel" investments, which are early-stage equity investments in private technology companies (these investments are sometimes in notes that are convertible t... |
The best credit card for people who pay their balance off every month | The answer today is the Fidelity Rewards Amex. This card pays the highest cash back (2%) on ALL purchases. The answer gets more complicated if you like miles, or you want to use one card for groceries and gas and another for restaurants, etc. But the Fidelity Amex gives you 2% on everything you purchase, automaticall... |
How do I choose 401k investment funds? | I would stay away from the Actively Managed Funds. Index funds or the asset allocation funds are your best bet since they have the lowest fees. What is your risk tolerance? How old are you? I would suggest reading: |
Can two or more people own 1 stock in the US? | A share of stock is an asset not much different than any other asset. If the share is being held in a joint account, it's being jointly owned. If the share is being held by a company with multiple owners then the share is owned by the various owners. If you're married and in a community property state, then it's tec... |
401(k) not fully vested at time of acquisition | Probably not. If you were at a small company and asked such a question, you'd get advice and links to erisa or other case law, etc. it's safe to say that a Fortune 500 company such as IBM is going to have their facts in order, and not going to run afoul of the rules in these cases (vesting rules and takeover of other ... |
Why do cash back credit cards give a higher rate for dining and gasoline purchases? | I am not sure but probably it depends upon the cut the credit card company receives from the merchant. For Hotels such as dining etc. the cut could be more. Again, periodically, many merchants join with the card company to launch promotions. It could be part of such promotions. Apart from class of merchants, these poin... |
Nanny taxes and payroll service | Whether to employ a payroll service to handle the taxes (and possibly the payroll itself) is a matter that depends on how savvy you are with respect to your own taxes and with using computers in general. If you are comfortable using programs such as Excel, or Quicken, or TurboTax, or TaxAct etc, then taking care of pay... |
Are you preparing for a possible dollar (USD) collapse? (How?) | There are two basic ways you can separate your investments from the dollar (or any other currency). |
What are the advantages of paying off a mortgage quickly? | Considering that it's common for the monthly mortgage payment to be 25% of one's income, it's an obvious advantage for that monthly burden to be eliminated. The issue, as I see it, is that this is the last thing one should do in the list of priorities: The idea of 'no mortgage' is great. But. You might pay early and h... |
Advice on replacing my savings account | Liquid cash (emergency, rainy day fund) should be safe from a loss in value. Mutual funds don't give you this, especially stock funds. You can find "high yield" savings accounts that are now at around .8% to .9% APY which is much better than .05% and will hopefully go up. Barclays US and American Express are two big... |
Are 'per trade' fees charged on every order or just once per stock? | You will be hit every time, once every buy order and once every sell order. Commissions to the broker are paid every time they do something for you. This is true regardless if it is a security in which you are already invested. It is true regardless if you make or lose money. It is just as sure as death and taxes. |
What are my options other than stock piling money in a savings account? | I think you need to understand the options better before you go around calling anything worthless... $11k in a 1% savings account gets you just over $100 each year. Obviously you're not buying Ferraris with your returns but it's $100 more than your checking account will pay you. And, you're guaranteed to get your mo... |
How to Explain “efficient frontier” to child? | I would let them get their hands dirty, learn by practicing. Below you can find a simple program to generate your own efficient frontier, just 29 lines' python. Depending on the age, adult could help in the activity but I would not make it too lecturing. With child-parent relationship, I would make it a challenge, no e... |
Typical discount for cash purchase on $1+ million homes? | First, I assume you understand that 'Cash Offer' doesn't mean you really show up with cash (in a duffel bag...), but is an expression that designates that you don't need a mortgage approval, but have the money in your accounts. The advantages for the seller are With both cases depending on the seller's situation, there... |
Simplifying money management | Many banks will allow you to open multiple accounts. Create a secondary checking account that has no automatic withdrawals and doesn't allow overdraft. This is the account you'll use for you discretionary spending. Get an account with a debit card and always use it as a debit card (never as a credit card, even if it... |
What is the correct answer for percent change when the start amount is zero dollars $0? | In computing, you'd generally return naa%, for 'not a number'. Could you not put '-%' to show there is no value at this point? Surely the people seeing this aren't idiots and understand the charge on 0 is 0? |
Homeowners: How can you protect yourself from a financial worst-case scenario? | Think about your priorities in life. Everybody is a little different. In my case I have a wife and child, so these are priorities for me, and you might have your own depending on your story. So if I lost my job, and I have no more money coming in (unemployment insurance runs out, savings depleted) then the bank can h... |
1040 or 1040NR this time? | Since you were a nonresident alien student on F-1 visa then you will be considered engaged in a trade or business in the USA. You must file Form 1040NR. Here is the detailed instruction by IRS - http://www.irs.gov/Individuals/International-Taxpayers/Taxation-of-Nonresident-Aliens |
What's the best way to manage all the 401K accounts I've accumulated from my past jobs? | Open an investment account on your own and have them roll the old 401K accounts into either a ROTH or traditional IRA. Do not leave them in old 401k accounts and definitely don't roll them into your new employer's 401K. Why? Well, as great as 401K accounts are, there is one thing that employers rarely mention and the 4... |
End-of-season car sales? | Manufacturers sometimes give incentives to car dealers to ensure that the prior year models are sold out before the year is up. However, dealers are usually pretty smart on only ordering the cars they know they can sell before this happens. Also, manufacturers are usually pretty good about only producing enough vehic... |
What argument(s) support the claim that long-term housing prices trend upward? | Several people have mentioned the obvious: inflation. But let's assume we are talking about real (inflation adjusted) prices. One argument is that populations keep rising while the land does not change. So the price of homes in desirable places gets pushed up and people move to second-best locations, pushing those pr... |
Is Amazon's offer of a $50 gift card a scam? | The most likely reason for this card is that Amazon has an arrangement with the issuer (I believe that that used to be Chase; may have changed since). Such an arrangement may allow Amazon to take the risk of chargebacks, etc. in return for the issuer handling the mechanics of billing. This is advantageous for Amazon,... |
Which colors can one use to fill out a check in the US? | Keep in mind that many checks are being cashed via scanner or photo. These can be home based, business based or ATM based systems. The key requirement is that the software has to be able to distinguish the "written" parts from the background parts. If the image doesn't have enough contrast for the edge detection to wor... |
I have about 20 000 usd. How can invest them to do good in the world? | Shariah compliant investments attempt to achieve your "ethical investing" ideals. Many countries around the world have a long list of shariah compliant investments and lots of journalists will go great lengths to reveal when a company is not really shariah compliant. Standard & Poors (S&P), an American financial servic... |
On what time scales are stock support and resistance levels meaningful? | Support and resistance only works as a self-fulfilling prophecy. If everyone trading that stock agrees there's a resistance at so-and-so level, and it is on such-and-such scale, then they will trade accordingly and there will really be a support or resistance. So while you can identify them at any time scale (although ... |
Dry cleaners lost $160 pants, what should I do? | I really like Rocky's answer, some more info: Keep in mind there is no limit on punitive damages. You could sue for the pants (160) + the filling fee (50) + a reasonable hourly rate to compensate your time (assume 200) + punitive damages of 4590 (assume 5000 limit on small claims court). When facing a suit of 5000, ... |
ETFs are a type of mutual fund, correct? | Your question is one of semantics. ETFs and mutual funds have many things in common and provide essentially the same service to investors with minimal differences. It's reasonably correct to say "An ETF is a mutual fund that..." and then follow up with some stuff that is not true of a typical mutual fund. You could ... |
Married, 55, grown kids: Should I buy life insurance, or invest in stocks? The ultimate decision | Life insurance is not an investment -- by definition, since the companies need to take a profit out of it, the average amount paid in exceeds the amount paid out, yielding a negative rate of return. Get life insurance if your death would cause severe financial hardship for someone. If you have sufficient savings that y... |
Having trouble with APR calculation | I have answered your question in detail here https://stackoverflow.com/questions/12396422/apr-calculation-formula The annuity formula in FDIC document is at first finding PVIFAD present value annuity due factor and multiplying it with annuity payment and then dividing it by an interest factor of (1+i) to reduce the ann... |
Who could afford a higher annual deductible who couldn't afford a higher monthly payment? | It's simple. Most people don't spend $6000 a year in medical care. As for myself, there's probably only $400 or less, mostly in annual checkups and the like. If you are the type to require more medical care, then you will pay more per month. I know a person with asthma, kidney stones, and inflammatory issues. This per... |
Why invest in becoming a landlord? | Let me add a few thoughts that have not been mentioned so far in the other answers. Note that for the decision of buying vs. renting a home i.e. for personal use, not for renting out there's a rule of thumb that if the price for buying is more than 20 year's (cold) rents it is considered rather expensive. I don't know... |
Do Americans really use checks that often? | Ever since my apartment complex started accepting rent payments online, I've almost never written a check. I use my debit card for everything. And I get paid by direct deposit. |
What happens to my savings if my country defaults or restructures its debt? | Remove your money. If you do not need this money for some time, you can convert it to Gold, and now is a good time to buy. Gold is not expected to decrease much in price as we're already at the bottom of the employment cycle and the Depression is already begun and will take about two years to grip the world. |
S-Corp and distributions | Does the corporation need the money for its ongoing business? If so, don't transfer it. If not, feel free. This decision has nothing to do with whether the corporation made money in any particular year. |
Accounting Entry for Selling a Covered Call | Option contracts typically each represent 100 shares. So the 1 call contract you sold to open (wrote) grants the buyer of that option the right to purchase your 100 shares for $80.00 per share any time before the option expiration date. You were paid a gross amount of $100 (100 shares times $1.00 premium per share) for... |
Is there any way to know how much new money the US is printing? | The Fed doesn't exactly have a specific schedule when they decide to create a new dollar. Instead, they engage in open market operations, creating and destroying money as is necessary to preserve a certain interest rate for lending and borrowing. It's an ongoing process. When the Fed meets periodically and they see tha... |
How much percent of my salary should I use to invest in company stock? | One such strategy I have heard for those who have this opportunity is to purchase the maximum allowed. When the window to sell opens, sell all of your shares and repurchase the most you can with the amount you gained (or keep an equivalent to avoid another transaction fee). This allows you to buy at a discount, and spr... |
What is the best strategy for after hours trading? | First you will need a plan stating three main points: You will have to decide what criteria you will use to answer these points. You might use Fundamental Analysis to find what to buy and Technical Analysis to decide when to buy and when to sell (your buy and sell triggers). Once you have a Trading Plan in place you wo... |
Website for managing personal cash inflow and outflow, applicable to India? | I like Pocketsmith for simple cashflow forecasting. I use Moneycenter for more complex tracking. |
Weekly budgets based on (a variable) monthly budget | Try reading about budgeting. Make a list of all income coming in and all expenses going out. Eliminate any unnecessary expenses and try to increase income, which could include a part-time second job. Try to always put a portion of the income away as savings - try 10%, but if this is too hard to start with try saving ... |
Ways to invest my saved money in Germany in a halal way? | What is not permitted in Islam is the practice of making unethical or immoral monetary loans that unfairly enrich the lender. Originally, usury meant interest of any kind. A loan may be considered usurious because of excessive or abusive interest rates or other factors. But In case of financial markets, people borrow m... |
Taxes: Sold House this Year, Buying Next Year | To your first question: YES. Capital gains and losses on real-estate are treated differently than income. Note here for exact IRS standards. The IRS will not care about percentage change but historical (recorded) amounts. To your second question: NO Are you taxed when buying a new stock? No. But be sure to record t... |
What are some time tested passive income streams? | You could buy debt/notes or other instruments that pay out periodically. Some examples are If there is an income stream you can discount the present value and then buy it/own the rights to income stream. Typically you pay a discounted price for the face value and then receive the income stream over time. |
When to hire an investment professional? | I don't know what you mean by 'major'. Do you mean the fund company is a Fidelity or Vanguard, or that the fund is broad, as in an s&P fund? The problem starts with a question of what your goals are. If you already know the recommended mix for your age/risk, as you stated, you should consider minimizing the expenses, ... |
ESPP advantages and disadvantages | The typical deal is you can put 10% of your gross pay into the ESPP. The purchase will occur on the last deposit date, usually a 6 month period, at a 15% discount to the market price. So, the math is something like this: Your return if sold the day it's purchased is not 15%, it's 100/85 or 17.6%. Minor nitpick on my p... |
Paid part of my state refund back last year; now must declare the initial amount as income? | If you get 1099-G for state tax refund, you need to declare it as income only if you took deduction on state taxes in the prior year. I.e.: if you took standard deductions - you don't need to declare the refund as income. If you did itemize, you have to declare the refund as income, and deduct the taxes paid last year ... |
Why is there so much interest on home loans? | Interest rates are always given annually, to make them comparable. If you prefer to calculate the rate or the total interest for the complete time, like 10 years or 15 years or 30 years, it is simple math, and it tells you the total you will pay, but it is not helpful for picking the better or even the right offer for ... |
How do I evaluate reasonability of home improvement projects? | The exact answers depend on what you're going to do and what you started with and what your local market is like ... But a bit of websearching (and/or asking a good general contractor) will yield a table of typical improvement in sale price from various renovations. One thing you'll discover is that unless you are star... |
Is it legal if I'm managing my family's entire wealth? | All the other answers posted thus far discuss matters from the perspective of US tax laws and are unanimous in declaring that what the OP wants to do is indeed a very bad idea. I fully agree: it is a bad idea from the perspective of US tax laws, and is likely a bad idea from the perspective of Indian tax laws too, but ... |
Is it practical to take actual delivery on a futures contract, and what is the process? | Not all futures contracts are deliverable. Some futures are specified as cash settlement only. In the case of deliverable contracts, part of the specification of a futures contract will be the delivery locations. As per my answer to your previous question, please see the CME Rulebook for details of delivery points fo... |
How might trading volume affect future share price? | There tends to be high volume around big changes in stock price. The volume of a stock does not remain constant and the term "fat fingers" can influence price.--> http://www.bloomberg.com/news/2014-10-01/that-japanese-fat-finger-can-absolutely-happen-in-u-s-.html That being said keshlam is 99% right when it comes to a ... |
Advice on low-risk long-term strategy for extra cash? | I can think of three things you might do: Talk to a fee-only adviser. As the comments suggest, this would only be one or two sessions to lay out what all you have, establish what you want it to do, and write a plan that you are comfortable carrying out yourself. What do your 401k and Roth IRA look like? If you mean for... |
Find out the difference between two stocks of the same company (how to identify ADRs, etc) | Generally, when I run across this kind of situation, I look for the Investor Relations section of the corporate website for a 'Stock Information' (or similar) tab or link. This usually contains information explaining the different shares classes, how they relate (if at all), voting and/or dividend rights, and taxatio... |
How can I cash in a small number of delisted US shares? TLAB | If you held the shares directly, the transfer agent, Computershare, should have had you registered and your address from some point on file. I have some experience with Computershare, it turned out when Qwest restarted dividends and the checks mailed to the childhood home my parents no longer owned, they were able to ... |
How to make money from a downward European market? | Trying to make money on something going down is inherently more complicated, risky and speculative than making money on it going up. Selling short allows for unlimited losses. Put options expire and have to be rebought if you want to keep playing that game. If you are that confident that the European market will com... |
Is there a good forum where I can discuss individual US stocks? | The motley fool is one of the best places. Other good communities are Yahoo Finance, Seeking Alpha, and Investors Place. I also recently created a chat room connected to this site to discuss stocks/funds/etc. with other money.stackexchange users. http://chat.stackexchange.com/rooms/263/investing |
Should you always max out contributions to your 401k? | As long as you're in a lower tax bracket - you would probably be better off paying the taxes now, and investing into the Roth IRA/401K. However, you should be investing for your retirement now, and not later, because of the compounding effect, and also you'll gain the employer matching (if available). |
Retirement formula for annual compound interest with changing principal | The equation is the same one used for mortgage amortization. You first want to calculate the PV (present value) for a stream of $50K payments over 20 years at a10% rate. Then that value is the FV (future value) that you want to save for, and you are looking to solve the payment stream needed to create that future val... |
Digital envelope system: a modern take | Envudu (envudu.com) looks very promising, and I think what they are planning to put out will do essentially everything you want. It's a single prepaid card, but with a connected app. On the app you choose which budget category you're going to spend on next, and then swipe your card. Your purchase gets deducted from tha... |
Is is possible to dispute IRS underpayment penalties? | When you say "set aside," you mean you saved to pay the tax due in April? That's underpaying. It's a rare exception the IRS makes for this penalty, hopefully it wasn't too large, and you now know how much to withhold through payroll deductions. Problem is, this wasn't unusual, it was an oversight. You have no legitima... |
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