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Is inflation a good or bad thing? Why do governments want some inflation? | In general the consensus is that a small amount of inflation (usually 1.5-2% per year) is desirable. That is why the Federal Reserve sets its inflation target in that range. The reasons why are quite complex though. One reason is "wage stickiness" - ie., the observed phenomenon that employers don't like to cut wages.... |
Why is short-selling considered more “advanced” than a simple buy? | When you short a stock, you can lose an unlimited amount of money if the trade goes against you. If the shorted stock gaps up overnight you can lose more money than you have in your account. The best case is you make 100% if the stock goes to zero. And then you have margin fees on top of that. With long positions, it's... |
Where to start with personal finance? | Personal finance is a fairly broad area. Which part might you be starting with? From the very basics, make sure you understand your current cashflow: are you bank balances going up or down? Next, make a budget. There's plenty of information to get started here, and it doesn't require a fancy piece of software. This... |
Overpaid Rent Owed By Real Estate | Have you tried complaining to the Real Estate Institute in your state, and if that doesn't work try taking them to Fair Trading. I know from doing some work for real estates that getting money from them is like getting blood from a stone, but you just need to keep bugging them, talk to the manager or director, and tell... |
Am I considered in debt if I pay a mortgage? | If you owe money to someone else then you are in debt, at least in the common meaning of the word. What you happen to own, or what you spent that money on doesn't alter that fact. Are people considered in debt if their only 'debt' is the mortgage/loan for their house, or are these people excluded from the statistic? T... |
Helping my family sell their oil stocks. What to buy? | *("Fee-only" meaning the only money they make is the fee your folks pay directly; no kickbacks from financial products they're selling.) The answer to this is: for God's sake, leave it alone! I commend you on wanting to help your family avoid more losses. You are right, that having most of one's retirement in one stoc... |
On what quantity the Dividend is given in India? | In India, the amount of dividend you get is based on the face value of the stock. If the stock's face value is Rs. 10 and the company announced a dividend of 20%, you will receive Rs.2 per share.To see whether you qualify to receive a dividend, see the ex-dividend date of the company. If you purchased shares before tha... |
How can I find the historical stock price for a specific stock on a specific date? | A quick search showed me that UEP merged into Ameren on Dec 31, 1997, and Ameren still exists today. So I took a look at Ameren's Investor Relations website. Unfortunately, they don't provide historical stock prices prior to Ameren forming, so starting with 1998. However, I've had good luck in the past emailing a c... |
Intro to Investment options for a Canadian | I got started by reading the following two books: You could probably get by with just the first of those two. I haven't been a big fan of the "for dummies" series in the past, but I found both of these were quite good, particularly for people who have little understanding of investing. I also rather like the site, Cana... |
Calculating a stock's price target | The price-earnings ratio is calculated as the market value per share divided by the earnings per share over the past 12 months. In your example, you state that the company earned $0.35 over the past quarter. That is insufficient to calculate the price-earnings ratio, and probably why the PE is just given as 20. So, if ... |
Are there any banks with a command-line style user interface? | There are API libraries available to various banks in various programming languages. For example, in Perl there are many libraries in the Finance::Bank:: namespace. Some of these use screen-scraping libraries and talk to the GUI underneath, so they are vulnerable to any changes the bank makes to their interface, but so... |
Should I pay off my car loan within the year? | Contrary to popular belief, you can build your credit (if that is important to you) without paying a penny in interest. This is done through the responsible use of credit cards, paying the bill in full each month without accruing any interest charges. If I were you, I would pay off the loan today, if possible. After ... |
In what category would I put a loan I took to pay an expense | A loan is most generally a liability, a part of the balance sheet. Expenses & income are part of the income statement. Income is the net of revenues after expenses. The interest is an expense on the income statement, but the loan itself does not reside there unless if it is defaulted and forgiven. Then it would beco... |
Is there a way to buy raw oil today and sell it in 1 year time? | Unless you have the storage and transportation facilities for it, or can come up with the money needed to rent or build those, no -- or not in any significant quantity. Buying oil futures is essentially an on-paper version of the same bet. Futures prices are already taking into account both expectations about price ch... |
Dividends - Why the push to reinvest? | There is a basis for that if you consider the power of compounding. So, the sooner you re-invest the dividends the sooner the time will give you results (through compounding). There is also the case of the commissions, if they are paid with a percentage of the amount invested they automatically gain more from you. Just... |
I got my bank account closed abruptly how do I get money out? | First, if your account has been closed you should not be able to use your debit card in any format. As you mentioned that you are able to use that so your back account is active. So this indicates it is a scam In case account is closed, bank confirms your address and will send you a cheque for the amount in your accou... |
Advantages of Shareholder over Director in new Company | I know the general principles of acting as a director in a company, and am familiar with the rights of shareholders. In the last ten years or so, I believe Australia has introduced legislation that strongly punishes those directors who do not act in a professional or prudent manner. While I will of course attempt to fu... |
How to invest for the event of a US default? | Lots of opportunities during threats to US debt demand. Most just involve being short the S&P or long the VIX (or short treasury bond futures, or short a US dollar currency pair). Those are the opportunities. And if you are worried about the utility of speculating in US dollars on a decline of the US dollar, then it is... |
Who maintains receipt for employee expense reimbursements? | In the normal course of events, you should receive a separate check for the amount of the purchase, and that amount should not be included in your wages as shown on your W-2 statement. If the amount is included on your paycheck, it should still be listed separately as a non-taxable item, not as part of wages paid. In... |
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 to do if the stock you brought are stopped trading | The Indian regulator (SEBI) has banned trading in 300 shell companies that it views as being "Shady", including VB Industries. According to Money Control (.com): all these shady companies have started to rally and there was a complaint to SEBI that investors are getting SMSs from various brokerage firms to invest in th... |
Investments beyond RRSP and TFSA, in non-registered accounts? | I quite like the Canadian Couch Potato which provides useful information targeted at investors in Canada. They specifically provide some model portfolios. Canadian Couch Potato generally suggests investing in indexed ETFs or mutual funds made up of four components. One ETF or mutual fund tracking Canadian bonds, anothe... |
Reason for “qualified” buyer requirements to exercise stock options/rights spun off from parent company? | The fact that your shares are of a Canadian-listed corporation (as indicated in your comment reply) and that you are located in the United States (as indicated in your bio) is highly relevant to answering the question. The restriction for needing to be a "qualified institutional buyer" (QIB) arises from the parent comp... |
What's the purpose of having separate checking and savings accounts? | If your debit card/ATM card is stolen or lost, someone else might be able to withdraw money from the checking account that it is tied to, or buy things with the card and have the money taken out of the checking account to pay the merchant. Subject to daily withdrawal limits imposed by your bank, a considerable amount o... |
Is my employee stock purchase plan a risk free investment? | It's a risk free investment only if you have 100% warranty that you will be able to sell these stocks for a better price than what you've paid. And that's virtually impossible. I don't think there is any "risk free investment" when stocks are involved. You can try to minimize the risks and consider them low, but IMO it... |
Why do people always talk about stocks that pay high dividends? | Someone who buys a stock is fundamentally buying a share of all future dividends, plus the future liquidation value of the company in the event that it is liquidated. While some investors may buy stocks in the hope that they will be able to find other people willing to pay more for the stock than they did, that's a ze... |
What are the consequences of not respecting a notice period when leaving a job? | When I was pursuing my Business Degree in Canada we were told the standard notice period is 2 weeks on both sides. This means your employer is required to give you at least two weeks notice and you are required to give it as well. If you violate your notice requirement the employer can sue you for lost revenues and etc... |
Buying a car - advice needed | If it costs more to fix the car than the car is worth, then those repairs are not worth it. Hit craigslist and look for another junker that runs, but is in your cash price range. Pay to get it looked at by a mechanic as a condition of sale. Use consumer reports to try and find a good model. Somebody in your position... |
Comparing the present value of total payment today and partial payments over 3 months | What's the present value of using the payment plan? In all common sense the present value of a loan is the value that you can pay in the present to avoid taking a loan, which in this case is the lump sum payment of $2495. That rather supposes the question is a trick, providing irrelevant information about the stock ma... |
What is the correct answer for percent change when the start amount is zero dollars $0? | There are some assumptions which can be made in terms of the flexibility you have - I will start with the least flexible assumption and then move to more flexible assumptions. If you must put down a number 1, your go-to for this("Change the start period to 1"), is pretty good, and it's used frequently for other divide-... |
I received $1000 and was asked to send it back. How was this scam meant to work? | This was most likely a scam, although I do know of cases where a transfer intended for one company ended up in the bank account of another company. I am not entirely sure what happened afterwards, but I think the receiving company was asked to return the transfer back to the originating account. Still, even if this wa... |
Why do stock prices change? [duplicate] | In addition to D. Stanley's very fine answer, the price of stocks change as a result of changing market conditions and the resulting investor estimation of its effect on the company's future earnings. Take these examples. Right now, in the USA, there is a housing shortage; that is, there are fewer houses available for ... |
Is the Canadian Securities Course (CSC) enough to get started in the finance industry in Canada? | Wikipedia says "The Canadian Securities Course (CSC) offered by the Canadian Securities Institute (CSI) is the initial course required for becoming licensed to work within the Canadian securities industry (outside Quebec) as a securities dealer or securities agent." Src: Candian Securities Course EfficientMarket Canada... |
Taxable Website Ad Revenue | I'm not a tax advisor, but I've done freelance work, so... If any of your side-business revenue is reported on a 1099, you're now a business owner, which is why Schedule C must be filled out. As a business owner, minimum wage doesn't apply to you. All revenue is income to you, and you owe taxes on the profit, after sub... |
Losing Money with Norbert's Gambit | When you hold units of the DLR/DLR.U (TSX) ETF, you are indirectly holding U.S. dollars cash or cash equivalents. The ETF can be thought of as a container. The container gives you the convenience of holding USD in, say, CAD-denominated accounts that don't normally provide for USD cash balances. The ETF price ($12.33 an... |
Are stock index fund likely to keep being a reliable long-term investment option? | When you are putting your money in an index fund, you are not betting your performance against other asset classes but rather against competing investments withing the SAME asset class. The index fund always wins due to two factors: diversity, and lower cost. The lower cost attribute is essentially where you get your ... |
Standard Deviation with Asset Prices? | Some years ago, two "academics," Ibbotson and Sinquefield did these calculations. (Roger) Ibbotson, is still around. So Google Roger Ibbotson, or Ibbotson Associates. There are a number of entries so I won't provide all the links. |
Should I negotiate a lower salary to be placed in a lower tax bracket? | No. In a marginal tax system, only additional dollars that push you into a higher bracket are taxed at that higher rate. If you would pay 15% on $73800, then when you earn over $73800, you will still only pay 15% of the $73800, plus 25% of the extra amount over $73800. As far as a marginal income tax affects things,... |
For a major expensive home renovation (e.g. addition, finished basement, or new kitchen) should one pay cash or finance with a loan? Would such a loan be “good” debt? | The crucial question not addressed by other answers is your ability to repay the debt. Borrowing is always about leverage, and leverage is always about risk. In the home improvement loan case, default comes with dire consequences-- to extinguish the debt you might have to sell your home. With a stable job, reliable ... |
When applying for a mortgage, can it also cover outstanding debts? | Yes, but should you be even trying to get a mortgage if you can't aford at least a 5% deposit? Prove you do want the house by doing without a new car for a few years... |
If a stock doesn't pay dividends, then why is the stock worth anything? | Not sure how this has got this far with no obvious discussion about the huge tax advantages of share buy backs vs dividend paying. Companies face a very simple choice with excess capital - pay to shareholders in the form of a taxable dividend, invest in future growth where they expect to make more than $1 for every $1... |
Why would a tender offer be less than the market price? | As an addition to Chris Rea's excellent answer, these tender offers are sometimes made specifically to cast doubt on the current market price. For instance, a large public company that contracts with a smaller supplier or service company, also public, might make a tender offer below market price. The market will look a... |
Why do banks encourage me to use online bill payment? | It’s more convenient for both you and the bank; its much simpler to handle things electronically than it is to go through paperwork. Also, its eco-friendly and by saying that they care about the environment, banks earn brownie points with environmentally-conscious customers. |
Does freedom to provide services allow me contracting in Germany without paying taxes there (but in my home EU country)? | Also within Germany the tax offices usually determine which tax office is responsible for you by asking where you were more than 180 days of the year (if e.g. you have a second flat where you work). That's a default value, though: in my experience you can ask to be handled by another tax office. E.g. I hand my tax decl... |
What happens if I just don't pay my student loans? | Collection agencies will eventually find you if you work for an employer that uses the credit bureaus for pre-employment screening, or you sign up for utilities or services that check your credit, or you enter into public record any other way (getting arrested, buying land, etc.). Such inquiries will put you on the gri... |
What's the formula for profits and losses when I delta hedge? | You don't mention any specific numbers, so I'll answer in generalities. Say I buy a call option today, and I short the underlying stock with the delta. The value will be the value of the option you bought less the value of the stock you are short. (your premium is not included in the value since it's a sunk cost, but i... |
What happens if futures contract seller defaults? | MD-Tech answered: The answer is in your question: derivatives are contracts so are enforced in the same way as any other contract. If the counterparty refuses to pay immediately they will, in the first instance be billed by any intermediary (Prime Broker etc.) that facilitated the contract. If they still refuse to pay... |
ADR listed in PINK | Pink Sheets is not a stock exchange per se, and securities traded through it are not as "safe" as the ones on a stock exchange regulated by SEC. Many companies are traded there because they failed to comply with the SEC regulations, or are bankrupt or don't want the level of reporting to the public that the SEC regulat... |
Taking Losses To Save On Tax | Tax questions require that you specify a jurisdiction. Assuming that this is the US, you owe Federal income tax (at the special long-term capital gains tax rate) on the net long-term capital gains (total long-term capital gains minus total long-term capital losses) and so, yes, if these two were your only transactions... |
What is the best way to stay risk neutral when buying a house with a mortgage? | To avoid risk from rising interest rates, get a fixed rate mortgage. For the life of the mortgage your principal and interest payments will remain the same. Keep in mind that the taxes and insurance portion of your monthly payment may still go up. Because you own the property, the costs to maintain the property are you... |
How do I explain why debt on debt is bad to my brother? | I'm not sure how much living expenses are there but half of $12,600 in the US would be a decent monthly income. I agree that debt on debt would just add to his problems, sort of like quicksand, the interest will just makes a person sink deeper and deeper. It seems like it might take some more radical options here to... |
Long term investing alternative to mutual funds | Typically mutual funds will report an annualized return. It's probably an average of 8% per year from the date of inception of the fund. That at least gives some basis of comparison if you're looking at funds of different ages (they will also often report annualized 1-, 3-, 5-, and 10- year returns, which are probably ... |
In the stock market, why is the “open” price value never the same as previous day's “close”? | Prices reflect all available information. (Efficient markets hypothesis) A lot can happen between the time a stock closes on one day and opens on another. Particularly in a heavily traded stock such as IBM. Basically, you have a different "information set" the following day, which implies a different price. The instanc... |
Is there any “Personal” Finance app that allows 2 administrators? | We use mint for just that. We have a "shared" account. We each have the mobile app and share the same pin for the application (not our phones -- you can set a pin in the settings on the application). Thus we each share a login to the site, where we have setup all of our accounts. In the "Your Profile" link at the top o... |
When an insider discloses a stock trade are they required to execute? | No. And furthermore, canceling based on insider information is not considered insider trading. SEC Interpretation from October of 2000: (a) Does the act of terminating a plan while aware of material nonpublic information result in liability under Section 10(b) and Rule 10b-5? No. Section 10(b) and Rule 10b-5 apply "in... |
Are my purchases of stock, mutual funds, ETF's, and commodities investing, or speculation? | Every investment comes with a risk. There is also a bit of speculation involved. In there is an anticipation that one expects the value to go up in normal course of events. By your definition "If I buy this equipment, I could produce more widgets, or sell more widgets," as an investment. Here again there is an anticipa... |
Should I pay half a large balance this month before I get my CC statement? | It will reduce the credit ding you will take but why does it matter? Next cycle when it's paid off your credit score will go back to where it was. Unless you're looking for a loan right now and your credit is marginal why worry about it? |
How to declare foreign gift of nearly $10,000 | Actually banks aren't required to (and don't) report on 8300 because they already report $10k+ cash transactions to FinCEN as a Currency Transaction Report (CTR), which is substantively similar; see the first item under Exceptions in the second column of page 3 of the actual form. Yes, 8300 is for businesses, that's wh... |
Debit card for minor (< 8 y.o.) | In the UK, the Osper card would do the trick exactly. The closest thing I can find in the US is the USAA Youth accounts which appear to be what you need but have some restrictions on mobile access until the youth is 13. |
Wash sale rules in India (NSE/BSE) | Looks like there are no specific rule in India to prevent Wash sales. See the link below. http://economictimes.indiatimes.com/wealth/personal-finance-news/investors-can-rejig-portfolio-book-short-term-loss-to-save-tax/articleshow/7812788.cms?intenttarget=no |
What risks are there acting as a broker between PayPal and electronic bank transfers? | This sounds like a scam. Did they email you out of the blue to offer you this 'job', by any chance, and you'd never heard of them before? That's an incredibly large red flag in and of itself. While I don't know quite what the scam is likely to be, here's how I would suggest it might work: Other variants are possible - ... |
Is it bad practice to invest in stocks that fluctuate by single points throughout the day? | Eventually, you'll end up buying a stock at or near a high-water mark. You might end up waiting a few years before you see your "guaranteed" $100 profit, and you now have $5K to $10K tied up in the wait. The more frequently you trade, the faster your money gets trapped. There are two ways to avoid this problem: 1) Do... |
How much should a new graduate with new job put towards a car? | In a very similar situation as yours, I bought a used motorcycle for $3000. It was still reasonably new, very reliable, and with California weather, you can use it year-round. It reduced my time in traffic, and it had very low fuel and maintenance costs. The biggest expense was tires. The biggest pitfall in buying a mo... |
When's the best time to sell the stock of a company that is being acquired/sold? | This happened to me recently. What became the final offer was a cash buy-out of all of our shares rather than a conversion. The cash buy-out was higher than the company's original asking price and than the stock ever went on the market before hand. I was extremely pleased to have held on to the stock until the end. ... |
File bankruptcy, consolidate, or other options? | If your parents' business isn't viable (regardless of what combination of the economy or their management of it caused it not to be viable) it would seem that you'd be throwing good money after bad to save it. If the whole thing gets paid off, then they get rid of the debt, but the economy will still be in the tank and... |
How can my friend send $3K to me without using Paypal? | Three ideas: PayPal is probably the best/cheapest way to transfer small/medium amounts of money overseas. |
Purpose of having good credit when you are well-off? | there are several reasons you might want good credit even if you could afford to pay for all your expenses in cash. having pointed out all the above reasons to have good credit, it is probably worth noting that many people with good credit choose to not borrow simply because they are more comfortable with the risks of ... |
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... |
Why are banks providing credit scores for free? | I think the biggest reason is price; it's a lot cheaper now than it was to offer these. That's because for the most part, when you get a credit score for free, you're not getting a true FICO score. You're getting instead a VantageScore. VantageScore was created by the three credit bureaus, and as such they can offer ... |
My account's been labeled as “day trader” and I got a big margin call. What should I do? What trades can I place in the blocked period? | You need to contact the trading company and ask them what's going on. If it's simply a matter of needing to add more cash because you are now classified as a day trader, then call them, ask them what you need to do to not be considered a day trader, and do that. It would likely consist of not trading for a week and the... |
What is the best way to invest in gold as a hedge against inflation without having to hold physical gold? | GLD, IAU, and SGOL are three different ETF's that you can invest in if you want to invest in gold without physically owning gold. Purchasing an ETF is just like purchasing a stock, so you're fine on that front. Another alternative is to buy shares of companies that mine gold. An example of a single company is Randgold... |
Buying my first car out of college | I know I came a little late to this discussion but let me give you my opinion. I think that purchasing the BMW is a terrible investment for obvious reasons. Once you drive the car off the dealer's lot the car loses anywhere from 5-10k in value immediately. Its a terrible investment and something that you will regret in... |
Multiple hard inquiry for a single loan from car dealer? | (I'm a bit surprised that nobody talked about the impact of multiple inquiries on a loan, since OP is concerned with credit building. Probably an answer as opposed to a comment is justified.) Yes. In fact when you shop for auto loan you are expected to have your credit score/report be pulled by different banks, credit ... |
Tax implications of holding EWU (or other such UK ETFs) as a US citizen? | My understanding is that EWU (and EWUS) are both traded on US stock markets (NYSE & BATS), and as such these are not classified as PFIC. However, they do contain PFICs, so iShares takes the responsibility of handling the PFICs they contain and make adjustments in December. This contains the information about the adjust... |
Figuring out an ideal balance to carry on credit cards [duplicate] | One key point that other answers haven't covered is that many credit cards have a provision where if you pay it off every month, you get a grace period on the interest. Interest doesn't accrue at all unless you rollover a non-zero balance. But if you do, you pay interest on the average balance, not the rolled-over ba... |
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... |
Organizing Expenses/Income/Personal Finance Documents (Paperless Office) | I'm trying to organize my financial papers as well. I have a Fujitsu ScanSnap and it's tearing through my papers like a hot knife through butter (i.e. awesome). Here's how I'm addressing organizing the paper. I'm organizing mine a little bit organically. Here are the main parts: So anyway, all that to say that it's n... |
What is the opposite of a sunk cost? A “sunk gain”? | In the second example you are giving up future free cash flows in exchange for a capital gain on the original investment. With that respect the money you will not gain will be the difference of the future cash flows ( net of related costs) minus the net gain on the panel you have sold. The financial result can be con... |
Do you have to be mega-rich to invest in companies pre-IPO? | No you don't have to be super-rich. But... the companies do not have to sell you shares, and as others mention the government actively restricts and regulates the advertising and sales of shares, so how do you invest? The easiest way to obtain a stake is to work at a pre-IPO company, preferably at a high level (e.g. ... |
Should I continue to invest in an S&P 500 index fund? | You have a good thing going. One of the luxuries of being invested in an index fund for the long term is that you don't have to sweat the inevitable short term dips in the market. Instead, look at the opportunity that presents itself on market dips: now your monthly investment is getting in at a lower price. "Buy low, ... |
Looking for a stock market simulation that's as close to the real thing as possible | I have a free account on http://optionshouse.com/ that allows me to invest fake money into different stocks and test their tracking software. It is free and easy to do, just create an account there and they give you $4000 (fake) to invest in the stock market. They do this so that you can test their tracking and other a... |
How can I check my credit score? | Check with your bank. As of January, 2015, the following banks and credit unions are offering free credit-scores: Announced, in the pipeline: Source: Banks to offer FICO credit scores for free Personal Experience: I've been receiving free FICO score from my credit union for more than 6 months now. Advice: Most people ... |
Where do large corporations store their massive amounts of cash? | Short term investments, treasuries, current accounts. |
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... |
How do rich people guarantee the safety of their money, when savings exceed the FDIC limit? | The FDIC has been pretty good at recovery lost money from failed banks. The problem is the temporary loss from immediate needs. The best thing for anyone to do is diversify in investments and banks with adequate covered insurance for all accounts. Immediate access to available cash is always a priority that should be g... |
Is there legal reason for restricting someone under 59-1/2 from an in-service rollover from a 401K to an IRA? | Yes, this is restricted by law. In plain language, you can find it on the IRS website (under the heading "When Can a Retirement Plan Distribute Benefits?"): 401(k), profit-sharing, and stock bonus plans Employee elective deferrals (and earnings, except in a hardship distribution) -- the plan may permit a distribution ... |
How to find out the amount of preferred stock of Coca Cola Company? | From The Coca-Cola Company website, section for Investors: Stock History, Issues Year 1919 Original issue -- 600,000 shares 100,000 preferred, par $100 each 500,000 common, without nominal or par value 1926 Eliminated 100,000 preferred in November. This means there were preferred shares issued in 1919. However, all pre... |
Who can truly afford luxury cars? | Each of us makes our own way in life, making choices based upon or own needs and desires. Some of us choose to live simple lives, others choose more complex lives where we earn and spend more. There are several points which one should examine and consider. Consider that the market for new cars is not the entire populat... |
Harmony Gold Mining Company is listed on the NYSE and JSE at different prices? | The quotes on JSE are for 100 share lots. The quotes on NYSE are for single shares. That still leaves some price difference, but much less than you calculated. (EDIT: Equivalently, the price is quoted in 1/100th of a Rand. The Reuter's listing makes this explicit since the price is listed as ZAc rather than ZAR. ht... |
Why are residential investment properties owned by non-professional investors and not large corporations? | As other answers have pointed out, professional real estate investors do own residential investment properties. However, small residential units typically are not owned by professional real estate investors as your experience confirms. This has a fairly natural cause. The size of the investment opportunity is insuffici... |
Interactive Brokers: IOPTS and list of structured products | I think an IOPT is a Dutch warrant. Someone else might understand what this is. |
What would a stock be worth if dividends did not exist? [duplicate] | Unrealistic assumption, but I'll play along. Ultimately, dividends would exist because some innovative shareholder of some company, at some time, would desire income from their investment and could propose the idea of sharing the profit. Like-minded investors also desiring income could vote for dividends to come into e... |
At what interest rate should debt be used as a tool? | This post has a great discussion on the topic. Basically, there is no single interest rate above which you should pay off and below which you should keep. You have to keep in mind factors such as |
Yahoo Finance not showing detailed information for foreign stocks | The cause of incomplete/inaccurate financial data's appearing on free sites is that it is both complicated and expensive to obtain and parse these data. Even within a single country, different pieces of financial data are handled by different authorities. In the US, for example, there is one generally recognized autho... |
Is building a corporation a good option? | Creating a corporation is not necessarily less taxes. In fact, you'll face the problem of double taxation, and since you must pay yourself a reasonable salary, if your corporation doesn't earn much to give you as dividend after the salary, and/or your tax bracket is low, you'll in fact may end up paying more taxes. Als... |
Execute or trade an options contract? | Here is the answer for #3 from my brokerage: Your math is correct. Typically, option traders never take delivery of the stock simply to then turn around and sell it at the higher price that the stock is trading at. You wold always expect the option to have a higher value that simply selling the stock at market price. T... |
Do governments support their own bonds when their value goes down? | who issued stock typically support it when the stock price go down. No, not many company do that as it is uneconomical for them to do so. Money used up in buying back equity is a wasteful use of a firm's capital, unless it is doing a buyback to return money to shareholders. Does the same thing happen with government b... |
Why does an option lose time value faster as it approaches expiry | This is because volatility is cumulative and with less time there is less cumulative volatility. The time value and option value are tied to the value of the underlying. The value of the underlying (stock) is quite influenced by volatility, the possible price movement in a given span of time. Thirty days of volatilit... |
How should I prepare for the next financial crisis? | A somewhat provocative (but not unserious) proposal: Rent, don't buy a house to live in. In 2007/8, the thing that got many people in deep trouble is their mortgage. It's not a productive investment but a speculative bet on what was in fact a bubble and a class of assets that is notoriously slow to recover after a slum... |
Can individuals day-trade stocks using High-Frequency Trading (HFT)? | Yes you can, but to do so successfully, you need lots of money. You also need to be able to meet the criteria for being classified as a "professional trader" by the IRS. (If not, you'll be buried in paperwork.) The fact that you're asking about it here probably means that you do not have enough money to succeed at HFT. |
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