Question stringlengths 14 166 | Answer stringlengths 3 17k |
|---|---|
How to learn about doing technical analysis? Any suggested programs or tools that teach it? | I recall the name Martin Pring. As my fundamental analysis book from grad school was the work of Graham and Dodd titled Security Analysis, Pring was the author of the books I read on technical analysis. If you've not read his work, your education has a ways to go before you hit the tools. |
Tools to evaluate REITs | REIT's are a different beast than your normal corporate stock (such as $AAPL). Here is a good article to get you started. From there you can do some more research into what you think you will need to truly evaluate an REIT. How To Assess A Real Estate Investment Trust (REIT) Excerpt: When evaluating REITs, you will ... |
How to start personal finances? | A few practical thoughts: A practical thing that helps me immensely not to loose important paperwork (such as bank statements, bills, payroll statement, all those statements you need for filing tax return, ...) is: In addition to the folder (Aktenordner) where the statements ultimately need to go I use a Hängeregistrat... |
Is there anything I can do to prepare myself for the tax consequences of selling investments to buy a house? | If you need less than $125k for the downpayment, I recommend you convert your mutual fund shares to their ETF counterparts tax-free: Can I convert conventional Vanguard mutual fund shares to Vanguard ETFs? Shareholders of Vanguard stock index funds that offer Vanguard ETFs may convert their conventional shares to V... |
Starting off as an investor | You've asked eleven different questions here. Therefore, The first thing I'd recommend is this: Don't panic. Seek answers to your questions systematically, one at a time. Search this site (and others) to see if there are answers to some of them. You're in good shape if for no other reason than you're asking these wh... |
I spend too much money. How can I get on the path to a frugal lifestyle? | For the most part, saving money usually depends upon having a budget and being able to stick to it. The toughest part of budgeting is usually setting it up (how much do I need for X) and sticking to it each month. In regards to sticking to it, there is software that you can use that helps figure out how much you are sp... |
Am I responsible for an annual fee on a credit card I never picked up? | In the end, I was not required to pay the fee. After some frustrating initial attempts, I ended up writing a letter and sending a copy to card services, customer support, complaints and the legal department. It basically said: 1 - I never signed anything. 2 - I spoke to a very aggressive person at the airport who told ... |
Exercising an option without paying for the underlying | It would be nice if the broker could be instructed to clear out the position for you, but in my experience the broker will simply give you the shares that you can't afford, then freeze your account because you are over your margin limit, and issue a margin call. This happened to me recently because of a dumb mistake: o... |
Can a company charge you for services never requested or received? | Here's another example of such a practice and the problem it caused. My brother, who lived alone, was missing from work for several days so a co-worker went to his home to search for him and called the local Sheriff's Office for assistance. The local fire department which runs the EMS ambulance was also dispatched in... |
Settling house with husband during divorce. Which of these two options makes the most sense? | Both seem to be reasonable. To decide you need to guess if the value of the house will go up or down between now and when you sell. If you think the value will go up - reach a calculation agreement now. If you think the value will go down - wait until the house is actually sold. So ya pays yer money, and ya takes yer c... |
Sell a stock and buy a new one | It depends on the broker. The one I use (Fidelity) will allow me to buy then sell or sell then buy within 3 days even though the cash isn't settled from the first transaction. But they won't let me buy then sell then buy again with unsettled cash. Of course not waiting for cash to settle makes you vulnerable to a good ... |
How should I begin investing real money as a student? | Without knowing what you are trying to achieve - make a bit of pocket money, become financially independent, invest for retirement, learn trading to become a trader - I'll give you a few thoughts ... The difficulty you will have trading with $400-600 is that brokerage will be a high proportion of your "profits". I'm n... |
Reconciling transactions reimbursing myself for expenses as self-employed (UK) | Any money that ScottMcGready gives to the company is a personal loan that must be repaid by the company at some point without tax consequences. Any money that the company gives to ScottMcGready is either salary (Scott pays income tax, company counts this as cost), or a dividend (Scott pays dividend tax), or a loan (Sco... |
What are my best options if I don't have a lot of credit lines for housing loans? | The short answer is, with limited credit, your best bet might be an FHA loan for first time buyers. They only require 3.5% down (if I recall the number right), and you can qualify for their loan programs with a credit score as low as 580. The problem is that even if you were to add new credit lines (such as signing up... |
Paid cash for a car, but dealer wants to change price | Let me get this straight. I would stand my ground. Your son negotiated in good faith. Either they messed up, or they are dishonest. Either way your son wasn't the one supposed to know all the internal rules. I don't think it matters if they cashed the check or not. I would tell them if they have cashed it, that is even... |
What are some good, easy to use personal finance software? [UK] | CashBase has a web app, an iPhone app and an Android app, all sync'ed up. It doesn't integrate with banks automatically, but you can import bank statements as CSV. Disclaimer: I'm CashBase's founder. |
Joint Account for Common Earnings | Do not use a shared bank account. One of you can cash/deposit the check in your personal account and then either pay the others in the group cash or write them a check. You open yourself up to many, many problems sharing a bank account and/or money. Treat it like a business as far as income goes, but I would not rec... |
Can I default on my private student loans if I was an international student? | What are the consequences if I ignore the emails? If you ignore the emails they will try harder to collect the money from you until they give up. Unlike what some other people here say, defaulting on a loan is NOT a crime and is NOT the same as stealing. There is a large number of reasons that can make someone unable t... |
How can I determine how much my car insurance will cost me? | Don't be afraid to shop around. Every couple of years when it's time to renew my auto insurance I call a couple of places to see if I can get a better deal. It's especially important to do this as you get older (because your rates go down assuming you keep a clean driving record). Also as your life changes, e.g. if you... |
What are the tax consequences if my S corporation earns money in a foreign country? | Be careful here: If ACME were in California, I would pay taxes on USD 17,000 because I had revenue of 20,000 and expenses of 3,000. To CALIFORNIA. And California taxes S-Corps. And, in addition, you'd pay $800 for the right of doing business in the State. All that in addition to the regular Federal and State taxes to... |
Investing small amounts at regular intervals while minimizing fees? | You could just commingle your funds. That way, she also learns how to keep track of things and how to figure things out, rather just learning to have the guy at the brokerage hand her an account statement which she blindly accepts. It might cause some tax problems though if the money grows to be substantial. |
Legitimate unclaimed property that doesn't appear in any state directory? | You can't blame companies like 'Legal Claimant Services' for making a profit by providing this service. That is capitalism and it is the way of the world. It is just like any other business you can do yourself - from making dinner to cutting your own grass. If you choose to do it yourself, you save money but you also ... |
To rebalance or not to rebalance | 'Buy and Hold' Is Still a Winner: An investor who used index funds and stayed the course could have earned satisfactory returns even during the first decade of the 21st century. by By Burton G. Malkiel in The Wall Street Journal on November 18, 2010: "The other useful technique is "rebalancing," keeping the portfolio a... |
Why ever use a market order? | What you are saying is a very valid concern. After the flash crash many institutions in the US replaced "true market orders" (where tag 40=1 and has no price) with deep in the money limit orders under the hood, after the CFTC-SEC joint advisory commission raised concerns about the use of market orders in the case of l... |
Apartment lease renewal - is this rate increase normal? | There has been almost no inflation during 2014-2015. do you mean rental price inflation or overall inflation? Housing price and by extension rental price inflation is usually much higher than the "basket of goods" CPI or RPI numbers. The low levels of these two indicators are mostly caused by technology, oil and food p... |
Setting up auto-pay. Should I use my bank that holds mortage or my personal bank? | Depending on your bank you may receive an ACH discount for doing automatic withdrawals from a deposit account at that bank. Now, this depends on your bank and you need to do independent research on that topic. As far as dictating what your extra money goes towards each month (early payments, principal payments, interes... |
Over the long term, why invest in bonds? | Bonds provide protections against stock market crashes, diversity and returns as the other posters have said but the primary reason to invest in bonds is to receive relatively guaranteed income. By that I mean you receive regular payments as long as the debtor doesn't go bankrupt and stop paying. Even when this happens... |
Online tool to connect to my bank account and tell me what I spend in different categories? | I'm not convinced this is completely possible without additional data. I'm categorizing my purchases now, and I keep running into things like "was this hardware store purchase for home repair, hobby tools and supplies, cookware, ..." Ditto for department stores, ditto for cash purchases which appear only as an ATM wit... |
Is it a good idea to get a mortgage when buying a house, for credit reasons? | It may or may not be a good idea to borrow money from your family; there are many factors to consider here, not the least of which is what you would do if you got in serious financial trouble and couldn't make your scheduled payments on the loan. Would you arrange with them to sell the property ASAP? Or could they easi... |
My company owed taxes for many years, An accountant asked me to ignore it and register a new one. Is it a right thing to do? | I think the first step is to get an accountant whose advice you believe. Your accountant is far better placed to advise you on what sounds like a fairly complicated, fairly high stakes corporate arrangement than the internet. I would go back to the accountant and get him to explain in writing what his specific advice ... |
What type of pension should I get? | If your new employer has a Final Salary or defined benefit type pension scheme, join it. DB plans are attractive because they are often less a risk for the employee. If your employer has a defined contribution scheme and contributes to it, join it and contribute at least up to the maximum amount that they will match – ... |
Why is the breakdown of a loan repayment into principal and interest of any importance? | The other answers have touched on amortization, early payment, computation of interest, etc, which are all very important, but I think there's another way to understand the importance of knowing the P/I breakdown. The question mentions the loan payment as "cash outflow". That is true, but from an accounting perspective... |
For very high-net worth individuals, does it make sense to not have insurance? | Let's face it: most people pay more in insurance premiums than they "get back" in claims. I put "get back" in quotes because, with very few exceptions, the money paid out in claims does not go to the insured, but to others, such as doctors and hospitals. But even if you ignore the question who does the money actually... |
How is Discover different from a Visa or a MasterCard? | Each of those is a network. Merchants displaying their logos - participate in their network and will accept cards that bear the same logo. Most merchants participate in more than one network. Discover is mostly used in the US, while Visa, Mastercard and American Express are more widely spread in the world (Amex less, V... |
Is it wise to invest in a stock with a large Div yield? | IMO, what it seems like you've done is nothing more than having screened out a company worth further investigation. The next step would be a thorough analysis of the company's past financials and current statements to arrive at your own opinion / forecast of the immediate and far future of the company's prospects. Typ... |
Should I make partial pre-payments on an actuarial loan? | The contract is not very clear. As much as I can understand it will still help if you make part prepayments. In an Rule 78 or Actuarial method, the schedule is drawn up front and the break-up of interest and principal for each month is calculated ahead. At the beginning both the reducing balance method as well as Actua... |
I got my bank account closed abruptly how do I get money out? | This is very possibly a scam. The way the scam works is that the scammers send you a letter and demand you call the telephone number. But the telephone number belongs to the scammers, not the bank. When you call the number, they will 'authenticate' you by asking you a bunch of questions. They will then have enough info... |
What evidence exists for claiming that you cannot beat the market? | common sentiment that no investor can consistently beat the market on returns. I guess its more like very few investor can beat the market, a vast Majority cannot / do not. What evidence exists for or against this? Obviously we can have a comparison of all investors. If we start taking a look at some of the Actively M... |
Payroll taxes on exercised stock options | To explain the capital gains part of the question, non qualified stock options (NSOs) are always treated like earned income and have payroll taxes withheld. It's advantageous for the company to issue these because they can deduct them as expenses just as they do your salary. Articles talking about capital gains would p... |
Pros & cons of buying gold directly vs. investing in a gold ETF like GLD, IAU, SGOL? | Owning physical gold (assuming coins): Owning gold through a fund: |
22-year-old inherited 30k from 529 payout - what is the best way to invest? | Look through the related questions. Make sure you fund the max your tax advantaged retirement funds will take this year. Use the 30k to backstop any shortfalls. Invest the rest in a brokerage account. In and out of your tax advantaged accounts, try to invest in index funds. Your feeling that paying someone to manag... |
Why buy a vertical spread if I could instead buy a naked call? | Figured it out. Vertical spreads significantly reduce the amount of "buying power" on the account needed vs. buying / selling pure calls / puts. So even though the transaction fees may more double in some instances, it may be worth it in order to operate with pricier underlying instruments. Spreads are also considere... |
Why do gas stations charge different amounts in the same local area? | One factor I haven't seen mentioned is volume. Suppliers will charge a slightly lower price to the station if they buy in full tanker truck loads instead of smaller quantities. Where I am this is probably still the largest factor in price spread with all newer bigger stations being 20-30 cents cheaper than the old sm... |
Why do banks require small businesses to open a business bank account instead of a cheaper personal one? | The bank won't let you because: Differences in required account features — Business accounts have different features (many of them legal features) that are required by businesses. For instances: Do you want to be able to deposit cheques that are written out to your business name? You need a business account for that. Y... |
Is there a mathematical formula to determine a stock's price at a given time? | I found the answer. It was the Stock Ticker that I was looking for. So, if I understand correctly the price at certain moment is the price of the latest sale and can be used to get a global picture of what certain stock is worth at that certain instant. |
Swap hedging a currency hedge | I decided to try this in order to get a feel of it. As far as the interest rates are concerned, it works. You can set it up and forget about holding time as long as the rates and positions stay within a range. The problem is that currency volatility turns the interest paid for shorting USD/JPY into noise at best. And i... |
Why is Insider Trading Illegal? | @sdg - If you can be flippant, I can be pedantic. Insider Trading is not illegal. Any employee of a company can be an insider, yet most of their trades are perfectly legal. What is illegal is trading on Inside Information. Such information may be available to those within a company, or those who have some contact with ... |
Why is there so much interest on home loans? | APR stands for "annual percentage rate." This means when you see a loan with a 6% rate, it is 6% per year. On a $100,000 mortgage, where you aren't paying much of the principal down at first, a 6% rate would have you paying nearly $6,000 in interest in the first year alone. |
The Benefits/Disadvantages of using a credit card | I just want to stress one point, which has been mentioned, but only in passing. The disadvantage of a credit card is that it makes it very easy to take on a credit. paying it off over time, which I know is the point of the card. Then you fell into the trap of the issuer of the card. They benefit if you pay off stuff ov... |
Is it a good idea to rebalance without withdrawing money? | Yes, rebalancing with new money avoids capital gains taxes and loads (although if you're financially literate enough to be thinking about rebalancing techniques, I'm surprised to hear that you're invested in funds with loads). On the other hand, if it's taking you years to rebalance, then: (a) you are not rebalancing a... |
Why buy insurance? | One reason is that insurance gives you tranquility. Without insurance, you live with the uncertainty of not knowing if/when disaster is going to strike. Insurance allows you to trade this uncertainty for regular monthly/yearly payments. |
Why is mortgage interest deductible in the USA for a house you live in? | Taxes are a tool for achieving social policy goals. While Americans consider "Socialism" to be a curse, the US is in fact quite socialistic. Mostly towards corporations, but sometimes even the normal people, not only the "Corporation are people, my friend" (M. Romney) get some discounts. The tax deduction on mortgage i... |
How do I protect money above the FDIC coverage limit? | Be very careful to hold on tight to your money! I agree with paying for an investment advisor, but I would say use at least two to get different viewpoints, and get credentials and references! Don't let relatives convince you to invest in their business, or help them out, or any other such nonsense. Real estate still i... |
What size “nest egg” should my husband and I have, and by what age? | Here's another answer on the topic: Saving for retirement: How much is enough? An angle on it this question made me think of: a good approach here is to focus on savings rate (which you can control) rather than the final number (which you can't, plus it will fluctuate with the markets and make you nervous). For example... |
Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? | First, this was never an arrangement for you to build equity, this was an arrangement for them to speculate on another house under the guise of teaching you a life lesson like responsibility or something contrived. The only way you profit from this is if the value of the house goes up and you sell it. You get 25% of th... |
Priced out of London property market. What are my accommodation investment options? | Be radical! (I assume you are not working for a city bank getting paid “city wages” – e.g. you are one of the 99% of people in London or more “normal” income.) House prices and rents in London and anywhere within reasonable commuting distances are now so high that couples in reasonable jobs often have to rent rooms in ... |
How much financial information should a buyer give an estate agent? | My guess is they are fishing for business for their in-house finance person. In the UK, all the estate agency chains (and many of the smaller outfits) have financial advice firms they are affiliated with, often to the extent that a desk in each branch will be for 'the finance guy' (it's usually a guy). The moment you s... |
What is the “Bernanke Twist” and “Operation Twist”? What exactly does it do? | To understand the Twist, you need to understand what the Yield Curve is. You must also understand that the price of debt is inverse to the interest rate. So when the price of bonds (or notes or bills) rises, that means the current price goes up, and the yield to maturity has gone down. Currently (Early 2012) the shor... |
How are long-term/short-term capital gains tax calculated on restricted stock? | Fidelity has a good explanation of Restricted Stock Awards: For grants that pay in actual shares, the employee’s tax holding period begins at the time of vesting, and the employee’s tax basis is equal to the amount paid for the stock plus the amount included as ordinary compensation income. Upon a later sale of the sha... |
Once stock prices are down, where to look for good stock market deals? | Do your own research There are hundreds of places where people will give you all sorts of recommendations. There is as much noise in the recommendations as there is in the stock market itself. Become your own filter. You need to work on your own instinct. Pick a couple of sectors and a few stocks in each and study them... |
why do I need an emergency fund if I already have investments? | Let me first start by defining an emergency fund. This is money which is: Because emergency's usually need to be deal with ASAP, boiler breaks, gears box in a car. Generally you need these to be solved as soon as possible, because ou depend on these things working and you can't budget for this type of expenditure using... |
15 year mortgage vs 30 year paid off in 15 | Other people have belabored the point that you will get a better rate on a 15 year mortgage, typically around 1.25 % lower. The lower rate makes the 15 year mortgage financially wiser than paying a 30 year mortgage off in 15 years. So go with the 15 year if your income is stable, you will never lose your job, your app... |
Effect of Job Change on In-Progress Mortgage Application | I just closed on a refi last week Thursday. The app went to the lender mid to late May. The lender called my employer for an employment verification on the Monday before closing. I would wait till after the loan funds to change jobs. FWIW, we signed on Thursday afternoon, escrow had to FedEx the originals to the lender... |
Should I fund a move by borrowing or selling other property assets? | It is a lot easier to make money when you are not in debt. If you can sell the apartment, get rid of your existing mortgage and buy the new house outright, that is probably the best course of action. |
How should I save money if the real interest rate (after inflation) is negative? | (Real) interest rates are so low because governments want people to use their money to improve the economy by spending or investing rather than saving. Their idea is that by consuming or investing you will help to create jobs that will employ people who will spend or invest their pay, and so on. If you want to keep thi... |
How are mortgage interest rates determined? | Mortgage or other interest rates are determined by the banks on cost of funds, risk and operating cost. The Fed raises money from the markets by issuing Tresury Bonds at a specified rate. This rate at which it raises money varies depening on the economy. Thus there are 2 rates: the rate at which banks can borrow mone... |
Can I buy only 4 shares of a company? | One of my university professors suggested doing this systematically to get access to shareholder meetings where there is typically a nice dinner involved. As long as the stock price + commission is less than the price of a nice restaurant it's actually not a bad idea. |
Most common types of financial scams an individual investor should beware of? | Investing in a business can be daunting and risky, so it is not for everyone. The most common pitfalls are mentioned here: Beyond that: It all sounds a bit like "Don't trust anyone" and sadly, this is true when there's a lot of money involved. So be prepared and do your homework, this sometimes will save you more mon... |
Would I ever need credit card if my debit card is issued by MasterCard/Visa? | You ask about the difference between credit and debit, but that may be because you're missing something important. Regardless of credit/debit, there is value in carrying two different cards associated with two different accounts. The reason is simply that because of loss, fraud, or your own mismanagement, or even the b... |
Close to retirement & we may move within 7 years. Should we re-finance our mortgage, or not? | Refinance, definitely. Go for Fixed 15 years, which will leave you with the same remaining time for the loan that you have now, but a much lower interest (you can find below 4%, if you look hard enough). You might end up with lower payments and higher portion of interest to deduct from your taxes. win-win. If you're co... |
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! |
Using a FOREX platform to actually change money | If you wanted to spend money in another country, a specialist credit card would be the most cost-effective way. Near-spot exchange rate, zero-loading, no/low ATM fees. Likewise a pre-paid debit card would also allow for money transfer across borders. If this is the right situation, FOREX trading platforms are overkill ... |
Why does capital gains tax apply to long term stock holdings? | It's a matter of social policy. The government wants people to make long term investments because that would lead to other long-term government goals: employment, manufacturing, economical growth in general. While speculative investments and day-trading are not in any way discouraged, investments that contribute to the... |
If I exercise underwater ISOs, can I claim a loss? | No, because you didn't lose anything. When you exercise ISO "at loss" you're buying stock without a discount, that's it. |
How much should a new graduate with new job put towards a car? | What are your goals in life? If one of them is to appear wealthy then buying a high price import is a great place to start. You certainly have the salary for it (congratulations BTW). If one of your goals is to build wealth, then why not buy a ~5000 to ~6000 car and have a goal to zero out that student loan by the e... |
Rate of return of stock index | The return from one day to the next is based on the Day's closing price. To be clear - opening prices can be quite different from the prior day close. In your example, they are pretty close, but this is not always the case. Just pull a larger data set to observe this. The above aside, dividends are not reflected in t... |
When should you use an actively managed mutual fund in a 401k? | By definition, actively managed funds will underperform passive index funds as a whole. Or more specifically: The aggregate performance of all actively managed portfolio of publicly-tradable assets will have equal performance to those of passively managed portfolios. Which taken with premise two: Actively managed funds... |
Bond prices: Why is a high yield sometimes too good to be true? | Looking at the list of bonds you listed, many of them are long dated. In short, in a rate rising environment (it's not like rates can go much lower in the foreseeable future), these bond prices will drop in general in addition to any company specific events occurred to these names, so be prepared for some paper losses.... |
Buying a small amount (e.g. $50) of stock via eToro “Social Trading Network” using a “CFD”? | Concerning the Broker: eToro is authorized and registered in Cyprus by the Cyprus Securities Exchange Commission (CySEC). Although they are regulated by Cyprus law, many malicious online brokers have opened shop there because they seem to get along with the law while they rip off customers. Maybe this has changed in th... |
Why do people always talk about stocks that pay high dividends? | If you assume the market is always 100% rational and accurate and liquid, then it doesn't matter very much if a company pays dividends, other than how dividends are taxed vs. capital gains. (If the market is 100% accurate and liquid, it also doesn't really matter what stock you buy, since they are all fairly priced, o... |
I spend too much money. How can I get on the path to a frugal lifestyle? | I would highly recommend the Dave Ramsey book "The Total Money Makeover". I read it about 5 years ago and my financial situation has slowly but steadily been improving ever since. |
Friend was brainwashed by MLM-/ponzi investment scam. What can I do? | First, there are MLM businesses that are legitimate and are not Ponzi schemes; I actually work with one (I will not name it lest I give the impression of trying to sell here). One thing I learned was how to respond when a prospect raises objections related to the actual scams, which are abundant; the answer being to po... |
Is it ever logical to not deposit to a matched 401(k) account? | The other answers assumed student loan debt -- and for that, it's rarely worth it (unless your company only offers managed plans w/ really bad returns, or the economy recovers to the point where banks are paying 5% again on money market accounts) ... but if it's high rate debt, such as carrying a credit card debt, and ... |
What are the pros and cons of buying a house just to rent it out? | Lets consider what would happen if you invested $1500/mo plus $10k down in a property, or did the same in a low-cost index fund over the 30 year term that most mortgages take. The returns of either scenarios cannot be guaranteed, but there are long term analyses that shows the stock market can be expected to return ab... |
Options for Cash only Buyout due to Company Merger | What are my options, if any, in how to deal with a buyout that forced me to sell, and accept cash only for my Florida USA company shares? Options are limited; |
Tax considerations for selling a property below appraised value to family? | Is this legal? If the purpose of the sale at that price is to defraud somebody else, you could have a legal issue. For example if the purpose was to make yourself appear poorer to make you eligible for government aid; Or to increase your chances of getting a college grant; or to not have to pay money to your spouse as... |
If I have AD&D through my employer, should I STILL purchase term life insurance? | Most likely, yes. AD&D is insurance against a specific type of peril. Life insurance is, too, but there are fewer exceptions to payout. I'd imagine that you'd have to die by accident, or be dismembered but not die, for it to pay out. The exceptions in the policy are what you need to be concerned about. If loss of yo... |
Tax benefits of recycling | If a business incurs expenses in the process of its trading, generally those expenses are deductible. Disposing of waste is generally held to be a deductible expense. |
What should I be aware of as a young investor? | You can't get much better advice for a young investor than from Warren Buffet. And his advice for investors young and old, is "Put 10% of the cash in short‑term government bonds, and 90% in a very low‑cost S&P 500 index fund." Or as he said at a different time, "Most investors, both institutional and individual, will f... |
Why do banks insist on allowing transactions without sufficient funds? | The laws about this changed in 2010 with the new Overdraft Protection Law HR 1261. § 140B. (c) Consumer consent opt-In.—A depository institution may charge overdraft coverage fees with respect to the use of an automatic teller machine or point of sale transaction only if the consumer has consented in writing, in... |
Which dividend bearing stock should be chosen by price? | In the scenario you describe, the first thing I would look at would be liquidity. In other words, how easy is it to buy and sell shares. If the average daily volume of one share is low compared to the average daily volume of the other, then the more actively traded share would be the more attractive. Low volume shar... |
What happens to options after a stock split? | It will be similar to what you have said -- the options price will adjust accordingly following a stock split - Here's a good reference on different scenarios - Splits, Mergers, Spinoffs & Bankruptcies also if you have time to read Characteristics & Risks of Standardized Options |
Is dividend taxation priced in derivatives? | No. Black Scholes includes a number of variables to calculate the value of the derivative but taxation isn't one of them. Whether you are trading options or futures, the dividend itelf may be part of the equation, but not the tax on said dividend. |
Found an old un-cashed paycheck. How long is it good for? What to do if it's expired? | Look up escheatment. Companies that have unclaimed property are supposed to send it to your State government. They should have a unclaimed property department of some sort. In short, the company is going to have to pay either you, or your State (In Your Name) so they have to pay it either way. It would be easier for th... |
Are buyouts always for higher than the market value of a stock? | Can a company not bargain with a dying company for example and buy a falling stock at lower than market value? Of course. If the shareholders agree to it. But why would they, if the market value is higher, agree to sell to someone who offers less? If there's a compelling reason - it can happen. It might happen during... |
Finding stocks following performance of certain investor, like BRK.B for Warren Buffet | A couple points, first you don't point out what investors you want to invest with, and second BRK.B does not track anything; it is just a very small slice of his entire holdings BRK.A minus the voting rights. One solid way to go would be to buy BRK.B and also a tech ETF like QQQ, or XLK, ..or both. |
Is there any downside to using temporary credit card numbers with subscription services? | I did just what you suggest. The card company honored the charge, they told me the temporary number was solely for the purpose of assigning a number to one vendor/business. So even though I set a low limit, the number was still active and the card company paid the request. Small price to pay, but it didn't go as I wish... |
How do I evaluate reasonability of home improvement projects? | If you're looking for some formula, I don't think one exists. People talk about this all the time and give conflicting advice. If there was a proven-accurate formula, they wouldn't be debating it. There are basically 3 reasons to do a home improvement project: (a) Correct a problem so that you prevent on-going damage t... |
What is the meaning of “Closed Short” ,“Opened Long” ,“Scaled Out” and “Scaled In”? | Opened Long - is when you open a long position. Long means that you buy to open the position, so you are trying to profit as the price rises. So if you were closing a long position you would sell it. Closed Short - is when you close out a short position. Short means that you sell to open and buy back to close. With a s... |
Is Weiss Research, Inc. a legitimate financial research company? | This company was a reputable rating agency for many years. See Weiss Research website, ratings section for a very different perspective on Martin Weiss's work than the websites with which he is now associated. I checked both links provided, and agree with the questioner in every way: These appear to be highly questiona... |
Subsets and Splits
No community queries yet
The top public SQL queries from the community will appear here once available.