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Money market account for emergency savings | Depends on how urgent your need for the emergency savings might be. If the money market account allows you to get your money in the same amount of time as the savings account then there is no real downside, but if the account takes a few days for you to access and you need your money sooner then you probably shouldn't.... |
Why would anyone buy a government bond? | Building on the excellent explanation by "Miichael Kjörling": Why would you rather "term deposit" your money in a bank and only earn interest of certain percentage but not not invest in stocks / real state and other opportunities where you will not only earn much higher dividends / profit but will have an opportunity f... |
If there's no volume discount, does buying in bulk still make sense? | To Rich Seller's point, we live 1/2 gallon of gas and 30 minute round trip from the supermarket. For the items that are non-perishable, such as bathroom or facial tissue, paper towels, shampoo,soap, toothpaste, etc, there's value in never running out of it. (@JohnFx - your point is well taken. When my daughter was a ... |
Stocks given by company vest if I quit? | Vesting typically stops after you quit. So, if your plan vests 20% per year for 5 years, and you received a one-time stock grant as part of this plan (i.e., ignoring the fact that these often involve new grants each year that vest separately), and you were hired in 2014 and leave at the end of 2016, then you vested 2... |
In the stock market, why is the “open” price value never the same as previous day's “close”? | What most of these answers here seem to be missing is that a stock "price" is not exactly what we typically expect a price to be--for example, when we go in to the supermarket and see that the price of a gallon of milk is $2.00, we know that when we go to the cash register that is exactly how much we will pay. This is... |
Health insurance lapsed due to employer fraud. How to get medications while in transition? | Your doctor may also have free samples available. You could call, explain your situtation and ask to see if they have any free samples. |
What happens when the bid and ask are the same? | In the world of stock exchanges, the result depends on the market state of the traded stock. There are two possibilities, (a) a trade occurs or (b) no trade occurs. During the so-called auction phase, bid and ask prices may overlap, actually they usually do. During an open market, when bid and ask match, trades occur. |
Do classes have to pay sales tax on materials used? | In most jurisdictions, both the goods (raw materials) and the service (class) are being "sold" to the customer, who is the end user and thus the sale is subject to sales tax. So, when your friend charges for the class, that $100 is subject to all applicable sales taxes for the jurisdiction and all parent jurisdictions ... |
What are the procedures or forms for a private loan with the sale of a vehicle? | Draft up a promissory notes. Have a lawyer do it use one of those online contract places if you have simple needs. Your promissory note need to cover Be specific. There are probably a lot more items that can be included, and if a quick internet search is any indication it gets deep fast. http://lmbtfy.com/?q=car+sal... |
Retirement planning: Pension or personal saving/investing? | with me and my wife coming from different countries, and us both living in a non-native country, we have very little clue where we will eventually settle down. The answer depends on where you reside currently, tax rules and ability to move funds. As well as where you plan to settle down and the tax rules there. From wh... |
What are the real risks in “bio-technology” companies? | The risk is that everything could go wrong in any phase at any time or they could run out of cash and go bankrupt waiting for results. Then there is the FDA that might take forever in approving their drug, or not approve it at all. Human trials could go horribly wrong. The company may be incompetent in bringing a produ... |
Understanding the Nasdaq insider trading information | Insiders are prevented from buying or selling shares except at certain periods right after information is disclosed publicly. But. People have bills to pay and kids to put through college and whatnot. So an insider can set up a plan where shares are sold on a specific schedule and they have no control over number of sh... |
How do I find a legitimate, premium credit repair service? | Just a word of warning: Most of the companies that promise to repair your credit are scams or close to them. You could just as easily do yourself what they are going to charge you for. Essentially they write a letter to the credit agencies disputing most or all of the bad stuff on your credit report. When you do that,... |
Is it really possible to get rich in only a few years by investing? | Short answer: Not likely. Long answer: As a rule of thumb, over the long run if you are generating 20% compounded returns on your money consistently, you are doing very good. Since in the average case your 10k would compound to $61.4k YoY, you are very unlikely to be rich in a decade starting with 10k. |
Equation to determine if a stock is oversold and by how much? | To my knowledge, there's no universal equation, so this could vary by individual/company. The equation I use (outside of sentiment measurement) is the below - which carries its own risks: This equations assumes two key points: Anything over 1.2 is considered oversold if those two conditions apply. The reason for the... |
What is the purpose of property tax? | Property taxes, at least in Canada, are levied by the municipality or city in which the property is situated. For many cities, it is a significant source of income. Part of the justification from the municipal point of view is that the land is serviced, in that it generally has city services like water, sewer, garbage... |
What are the pros and cons of buying an item on installments with zero percent interest? | One small advantage to paying ahead is having an outstanding installment plan may preclude unlocking the phone for use on other carriers, for example during international travel. If unlocking is important, researching the particulars would be in order. I am more familiar with T-Mobile, and will use as a specific exampl... |
Salary equivalency: London vs Berlin | Germany is substantially cheaper than the London . You would need at least double your current income to maintain the same lifestyle in London. Even then, you will likely have to settle for a cramped housing or a long commute. Java developers are largely contractors in the UK. Typical wages and rates can be found at ... |
“Business day” and “due date” for bills | I don't believe Saturday is a business day either. When I deposit a check at a bank's drive-in after 4pm Friday, the receipt tells me it will credit as if I deposited on Monday. If a business' computer doesn't adjust their billing to have a weekday due date, they are supposed to accept the payment on the next business... |
Shorting diluting stocks | It depends on how big the dilution is. Could be a good trade. Do the math yourself, many times nobody else has as all the employees think they are going to get rich because "options" :) |
If a stock doesn't pay dividends, then why is the stock worth anything? | Shareholders can [often] vote for management to pay dividends Shareholders are sticking around if they feel the company will be more valuable in the future, and if the company is a target for being bought out. Greater fool theory |
(Theoretical) Paying credit cards with other credit cards | If you had a CC issuer that allowed you to do bill-pay this way, I suspect the payment would be considered a cash advance that will trigger a fee and a pretty egregious cash advance specific interest rate. It's not normal for a credit payment portal to accept a credit card as payment. If you were able to do this as a ... |
How would I prove my claim in a class action settlement on a “stock misconduct” case when I shorted the stock? | No. You shorted the stock so you are not a shareholder. If you covered your short, again you are not a shareholder as you statement of account must show. You cannot participate in the net settlement fund. |
Paying Off Principal of Home vs. Investing In Mutual Fund | I'm probably going to get a bunch of downvotes for this, but here's my not-very-popular point of view: I think many times we tend to shoot ourselves in the foot by trying to get too clever with our money. In all our cleverness, we forget a few basic rules about how money works: It's better to have 0 debt and a small am... |
When should I walk away from my mortgage? | Very few people's credit is worth $100,000. The average homeowner's credit (family of four with good to very good credit) is worth about $30,000. This is a pure business decision. The bank knew the law when they extended the mortgage to you, and part of the amount they're charging you goes to cover the risk that you mi... |
Is there any US bank that does not charge for incoming wire transfers? | There are banks and credit unions that don't charge fee for incoming wire transfer. You most likely won't get that from big brick and mortar banks like BofA, Citi but if you are doing it regularly, using another bank that offers it free would save you a lot. Since ACH are free, you can transfer money between those bank... |
How to transfer money to yourself internationally? | Transferwise is a new peer-to-peer service that's setup to lower fees for international money transfers: https://transferwise.com |
ETF vs Mutual Fund: How to decide which to use for investing in a popular index? | If you just want to track an index, then ETFs are, generally speaking, the better way. |
Better to get loan from finance company or bank considering the drop of credit score? | If your primary concern is a drop in your credit score, go to a mortgage broker instead of multiple banks and finance companies. Each time you ask a bank or financial institution for a loan, they do a hard pull on your credit rating which costs you a couple of points. Visit a dozen lenders and you'll lose 24 points. Yo... |
Remitting Money To India Towards Home Loan Repayment | If you are still Indian Citizen for Tax purposes, then all your Global Income is taxable [There are certain exemption if you are in certain professions]. So even if you transfer or not transfer the funds to India, it is taxable in India. If you are getting a per day allowance, its exempt, this has to be looked more as ... |
Why does historical price data not go back all the way on Google Finance? | Google Finance and Yahoo Finance have been transitioning their API (data interface) over the last 3 months. They are currently unreliable. If you're just interested in historical price data, I would recommend either Quandl or Tiingo (I am not affiliated with either, but I use them as data sources). Both have the same h... |
What is a subsidy? | It means a government giving out money to encourage a particular product (or service) to be bought or sold. Some people will use the word more loosely to refer to any financial incentive, even if it's not coming from the government. Wikipedia has a list of examples that may be helpful: http://en.wikipedia.org/wiki/Subs... |
Can I get a mortgage from a foreign bank? | You definitely used to be able to (see this BBC article from 2006), and I would imagine that you still can, although I also imagine that it would be more difficult than it used to be, as with all mortgages. EDIT: And here's an article from last year about Chinese banks targeting the UK mortgage market. |
What are the implications of a corporate stock repurchase or share buyback program? | A board authorizes the repurchase of shares because they feel the stock in undervalued. The hope is that the stocks will rise either directly by their repurchase, or in the near term due to the realization that the company is in better shape then the market thought. Eventually those shares will be resold back into the ... |
What does it mean to be “offset against taxable gains”? | Offset against taxable gains means that the amount - $25 million in this case - can be used to reduce another sum that the company would otherwise have to pay tax on. Suppose the company had made a profit of $100 million on some other investments. At some point, they are likely to have to pay corporation tax on that am... |
Why don't people generally save more of their income? | A person who always saves and appropriately invests 20% of their income can expect to have a secure retirement. If you start early enough, you don't need anything close to 20%. Now, there are many good reasons to save for things other than just retirement, of course. You say that you can save 80% of your income, and yo... |
Can someone explain recent AAMRQ stock price behavior to me? | There are things that are clearly beyond me as well. Cash per share is $12.61 but the debt looks like $30 or so per share. I look at that, and the $22 negative book value and don't see where the shareholders are able to recoup anything. |
How can someone invest in areas that require you to be an accredited investor [without qualifying as an accredited investor]? | Unfortunately it is not possible for an ordinary person to become an accredited investor without a career change. Gaining any legal certification in investments typically require sponsorship from an investment company (which you would be working for). There are reasons why these kinds of investments are not available t... |
Where do large corporations store their massive amounts of cash? | You can find out the general types of investments by reading the public corporation 10-Q report that is filed with the SEC it can be accessed via the EDGAR system. It will not tell you what securities they have, but it does identify the short term and long term investments categories and their value. |
Split buying a house 3 ways. How do I approach this? | I would second the advice to not do this. Real estate ownership is complex to begin with, involving a constant stream of maintenance, financing, and other decisions. It is difficult enough to do for a single individual or a family as a unit (a couple), but at least spouses are forced to compromise. Friends are not, an... |
What's the difference between TaxAct and TurboTax? | I typed my information into both last year, and while they were not exactly the same, they were within $10 of each other. For my simple 2009 taxes they were not different in any meaningful way. |
How can contractors recoup taxation-related expenses? | Anything is negotiable. Clearly in the current draft of the contract the company isn't going to calculate or withhold taxes on your behalf - that is your responsibility. But if you want to calculate taxes yourself, and break out the fees you are receiving into several "buckets" on the invoice, the company might agree ... |
What is the best way for me to invest my money into my own startup? | Ask your accountant about convertable preference shares. This would permit you to loan money to your company and then convert the debt to equity, should you so choose, at a later stage. As with the answer by bstpierre, these are all contractual arrangements conducted at arms-length. |
In a competitive market, why is movie theater popcorn expensive? | One explanation is that movie patrons are considering their total willingness to pay for the movie experience so that if the ticket price plus the market price of popcorn is less than their willingness to pay (WTP), the theater has an opportunity to extract more consumer surplus by charging higher than market prices fo... |
What do these options trading terms mean? | With stocks, you can buy or sell. If you sell first, that's called 'shorting.' As in "I think linkedin is too high, I'm going to short it." With options, the terminology is different, the normal process is to buy to open/sell to close, but if you were shorting the option itself, you would first sell to open, i.e you ar... |
How are mortgage payments decided? [duplicate] | It has nothing to do with forcing people to pay off their debt; in that case it would make better sense to have people pay off debt rather than interest. It is because you want to have your actual payment stay the same each month, which is easier for the vast majority of people to comprehend and put into their budget. ... |
Why do people buy stocks that pay no dividend? | You can think of the situation as a kind of Nash equilibrium. If "the market" values stock based on the value of the company, then from an individual point of view it makes sense to value stock the same way. As an illustration, imagine that stock prices were associated with the amount of precipitation at the company's... |
What's the best online tool that can track my entire portfolio including gains/losses? | Google Portfolio does the job: https://www.google.com/finance/portfolio You can add transaction data, view fundamentals and much more. |
Why does a long/purchased call option have a long position in the option itself? | It will be helpful to establish some definitions: Long "Long" is financial slang for "to have possession of an asset", legally, and "to debit an asset", financially. Short "Short" is financial slang for "to be liable for an asset", legally, and "to credit an asset", financially. Option "Option" is financial slang for... |
Economics of buy-to-let (investment) flats | Seems like a bad deal to me. But before I get to that, a couple of points on your expenses: Onward. You value a property by calculating its CAP rate. This is what you're calculating, except it does NOT include interest like you did -- that's a loan to you, and has no bearing on whether the unit itself is a good investm... |
Should one invest in smaller valued shares in higher amounts, or higher valued shares in smaller amounts? | There's a case to be made that companies below a certain market cap have more potential than the higher ones. Consider, Apple cannot grow 100 fold from its current value. At $700B or so in value, that would be a $70T goal, just about the value of all the combined wealth in the entire US. At some point, the laws of lar... |
Need help with the psychology of investing: past failures and future fears | I would read any and all of the John Bogle books. Essentially: We know the market will rise and fall. We just don't know when specifically. For the most part it is impossible to time the market. He would advocate an asset allocation approach to investing. So much to bonds, tbills, S&P500 index, NASDAQ index. In ... |
Are bonds really a recession proof investment? | During the hyperinflation of the Wiermer republic, corporate stocks and convertible bonds were thought second only to the species (gold, silver etc) as the only secure currencies. As Milton Friedman proved, inflation is caused solely by the monetary token supply increasing faster than productivity. In the past, days ... |
The Benefits/Disadvantages of using a credit card | Everyone else seems to have focused (rightly so) on the negatives of credit cards (high interest rates) and why it is important to pay them off before interest starts accruing. Only Marin's answer briefly touched on rewards. To me, this is the real purpose of credit cards in today's age. Most good rewards cards can g... |
When are equal-weighted index funds / ETFs preferable to market-cap-weighted funds? | Equal-weight ETFs remove the large cap bias found in most popular indexes. What results behaves very much like a small-cap or mid-cap index. Observe RSP vs IJR over a 5 year period: IJR (iShares S&P SmallCap 600 ETF) vs RSP (Rydex S&P Equal Weight ETF) I'm not sure if equal-weighting is worth the reduced efficiency. M... |
So the vending machine tore my $5 in pieces. What now? | There is usually contact information for the owner of the machine printed somewhere on it. Call that number. If it is in a business you could always try the clerk. Whether you get your money back is up to that person, I suppose. |
How might trading volume affect future share price? | Volumes are used to predict momentum of movement, not the direction of it. Large trading volumes generally tend to create a price breakout in either positive or negative direction. Especially in relatively illiquid stocks (like small caps), sudden volume surges can create sharp price fluctuations. |
Scam or Real: A woman from Facebook apparently needs my bank account to send money | If it's not the classic scam described in Daniel Anderson's answer, then it's probably money laundering. In that case, the woman would actually wire you money, which you have to wire to someone else she names. This is done to enter illegally gained money into the regular money circulation, hiding the trail. If this is ... |
Dividends - Why the push to reinvest? | A dividend is a cash disbursement from the company. The value of the company goes down the same amount of the dividend, so it is analogous to having money in a savings account and taking a withdrawal every month. Obviously you are going to have less in the end than if you just kept the money in the account. suppose t... |
I spend too much money. How can I get on the path to a frugal lifestyle? | I agree with the first poster- the first step is to measure your spending and put it down into raw numbers. Once you have the raw numbers, you will feel a natural inclination to improve on those numbers. Set yourself a daily target for cash / incidental expenses. It doesnt have to be a crazy target - just something you... |
Which is the better strategy for buying stocks monthly? | To optimize your return on investment, you need to buy low and sell high. If you knew that one stock had hit rock bottom, and the others had not, buying the low stock would be the best. However, unless you can predict the future, you don't know if any individual stock has hit the bottom, or if it will continue to drop... |
What sort of tax treatment does a charitable micro-lending loan incur? | Lending is not a charitable contribution. Its an investment. If the loan becomes a bad debt - you'll have to show that it had become a bad debt. For example - bankruptcy declaration. You'll have to show an arm's length transaction, for example - real intention to repay (evidenced by payments of principal and interest m... |
Found Mistake on 2013 1120S Form | I don't know if it's common or necessary to include capital stock as a liability? Yes, if you look at the title of the nonasset part of the balance sheet it actually is titled "Liabilities and Shareholders' Equity". Your capital stock is a component of Equity. This sounds like it was reported in a reasonable manner. ... |
Visitor Shopping in the US: Would I get tax refund? Would I have to pay anything upon departure? | Yes, you get a refund but only in a couple of states. If you are visiting Louisiana (e.g. New Orleans), there is sales tax refund on tangible items purchased at tax-free stores and permanently removed from the United States (http://www.louisianataxfree.com) . Clothes, shoes, makeup.. these are all items you can claim a... |
Is it a good idea to teach children that work is linearly related to income? | As a parent I think you absolutely have to teach them that income is related to work because (for most people at least) it's a more fundamental principle than budgeting, investments, interest, etc. Once they've learned that the primary source of income is work, then you can start teaching them what to do with it, i.e. ... |
Can I get my property taxes lowered? | The question is whether the assessment is in line with surrounding homes. If my 1500 sq ft house on 1/4 acre is assessed far higher than a similar sized house/land nearby, I'd have a case. +/- 10% can be for age/quality, but 25% or more, I'd investigate. mhoran is right, values for different purposes need not align. A ... |
What can I take from learning that a company's directors are buying or selling shares? | This could be another reason. "Companies buy their own stock in the market place to reduce the number of shares outstanding, and thus boosts the earnings per share. It also boosts the stock price, which benefits management that has stock options. " Taken from this article. http://www.forbes.com/sites/investor/2014/01/... |
How can my friend send $3K to me without using Paypal? | Many banks offer online payment. He can add a payee and just type your name and address in. The bank will mail the check out if they cannot deliver payment electronically. Edit: Recently I came across this (Citibank Global Transfer), you and your friend should see if your bank offers a similar service. Citibank require... |
What is a “closed-end fund”? How is a closed-end fund different from a typical mutual fund? | A closed-end fund is a collective investment scheme that is closed to new investment once the fund starts operating. A typical open-ended fund will allow you to buy more shares of the fund anytime you want and the fund will create those new shares for you and invest your new money to continue growing assets under mana... |
Employer rollover from 403b to 401k? | 403b plans are used by school districts, colleges and universities, nonprofit hospitals, charitable foundations and the like for their employees while 401k plans are used by most everybody else. I would suspect that a school district etc can use a 401k plan instead of a 403b plan if it chooses to do so, but the reverse... |
Is there any instance where less leverage will get you a better return on a rental property? | More leverage means more risk. There is more upside. There is also more downside. If property prices and/or rents fall then your losses are amplified. If you leverage at 90% then a 5% fall means you've lost half your money. |
What are the common income tax deductions used by “rich” salaried households? | From Rich Dad, Poor Dad. 3 Major Things: With rental real estate, in addition to mortgage interest, you also deduct property taxes, and must claim depreciation (cost of house / 27.5 years) Business Expenses. For example, buy a yacht and put it in a charter fleet. Deduct interest on the loan, depreciation of the asset, ... |
How to build a U.S. credit history as a worker on a visa? | In the US, money talks and bullshit walks. You can skip any credit history requirement if you demonstrate your ability to pay in a very obvious way. Credit history is just a standardized way of weeding out people that cannot reliably pay, instead of having to listen to an individual's excuses about how the bank overdra... |
Should I buy a home or rent in my situation? | Another reason, and to me the main reason not to buy a house if you're in your early 20s (regardless of your income), is mobility. If you rent, you can move pretty much whenever you want after the first year of your rental lease is up, even before then in some cases. If your fiancee finishes school and gets a great job... |
No-line-of-credit debit card? | I think what you are looking for is a secured credit card. They are mostly used by people who have ruined their credit and want to rebuild it, but it might also serve your purpose. Essentially you deposit some money in an account and the credit card can be used up to the amount left in the account. Each month when you... |
Is my employee stock purchase plan a risk free investment? | There would be small generic risk that the company stock goes down real fast by more than 15% in a specific event to the company [fraud, segment company operates suffers a shock, etc] or a generic event to the stock market like recent events of Greece etc. |
How does sales tax holiday change tax? | I believe you are confusing sales tax with income tax. The tax holidays in the US are only for sales tax. Consumers purchasing certain goods during the tax holiday do not have to pay sales tax like they normally would. Effectively the price is slightly lower during those days with the purpose of giving people an extra ... |
Why does my bank suddenly need to know where my money comes from? | Most likely this is connected with new banking regulations related to the Patriot Act, which require banks to be much more inquisitive about their customers and their money. The requirements are mostly about new accounts, but there may be some provisions to backfill this information for existing accounts. |
Selling mutual fund and buying equivalent ETF: Can I 1031 exchange? | I don't believe you can do that. From the IRS: Finally, certain types of property are specifically excluded from Section 1031 treatment. Section 1031 does not apply to exchanges of: I highlighted the relevant items for emphasis. |
What are some time tested passive income streams? | There are lots of different ways to generate passive income. What is Passive Income? Basically it is income you receive without having to consistently work for it i.e. paid to do your day job or get paid by the hour; instead you do the work once and then receive ongoing payments like a recording artist getting paid ro... |
How do I get bill collectors who call about people I know to stop calling me? | I had a similar situation, except the debtor had no connection to us whatsoever, other than holding our phone number previously. We tried going through channels to deal with it, and had no success. At the end of the day, I was very abusive to the people calling, and forwarded the number to a very irritating destination... |
Should I pay off my car loan within the year? | Generally, banks will report your loan to at least one (if not all three) credit bureaus - although that is not required by law. The interest you're paying, in addition to your insurance isn't justifiable for building credit. I would recommend paying the car off and then perhaps applying for a secure credit card if you... |
Evidence for Technical Analysis [duplicate] | To answer your original question: There is proof out there. Here is a paper from the Federal Reserve Bank of St. Louis that might be worth a read. It has a lot of references to other publications that might help answer your question(s) about TA. You can probably read the whole article then research some of the other ... |
Does the bid/ask concept exist in dealer markets? | Why would there not be a bid and ask? Dealers make their money in the spread between what they buy it from one entity for and what they sell it to another entity for. This doesn't mean they have to do it auction-style, but they'll still have a different buy price from a sell price, hence "bid" and "ask". |
What happens if a bank loses your safe deposit box? | Unfortunately assets placed in a safety deposit box are not covered under the Federal Deposit Insurance Program (FDIC). Unless the bank is found to be negligent in the way it handled or protected your safety deposit box, neither them nor their private insurance company will reimburse you for the loss. Find out if in th... |
Are “hard money loans” meant only for real estate? | From Wikipedia: A hard money loan is a specific type of asset-based loan financing through which a borrower receives funds secured by the value of a parcel of real estate. Hard money loans are typically issued at much higher interest rates than conventional commercial or residential property loans and are almost never ... |
Thinking of doing an MBA: Is an $80K top MBA school better than a $24K online MBA school? | If you can get into the top school, it's a no-brainer to go that route. An MBA at a top school will not only give you an education taught by world-renowned professors but also a large network of students and alumni. |
What factors should I consider when evaluating index funds? | Your link is pointing to managed funds where the fees are higher, you should look at their exchange traded funds; you will note that the management fees are much lower and better reflect the index fund strategy. |
Paying Off Principal of Home vs. Investing In Mutual Fund | The mathematically correct answer is to invest, because you'll get a higher rate of return. I think that answer is bunk -- owning your home free and clear is a huge burden lifted off of your shoulders. You're at an age where you may find a new job, business, personal or other opportunities will be easier to take advant... |
Tax me more: Can I pay extra to the government so I don't have to deal with all this paperwork? | Currently, the answer is no, you cannot get out of filing a tax return. As noted in the comments, if you want to pay more to get out of the drudgery of working on your return, you can pay an accountant to do it for you. You are not alone in thinking that the current income tax system in the U.S. is overly complicated.... |
How do I report this cash bonus/tip on income tax return? | How do I report this on our income tax return? You should include it on Line 7 of your Form 1040. Additionally, you should report the extra payment to your employer if it was greater that $20. You can use From 4070 to do this if your employer does not provide you with a form. And finally, you are right, you should Fo... |
In a competitive market, why is movie theater popcorn expensive? | In my experience, there's usually only one or two theatres within a small city. Maybe a few more in larger cities, but those are also larger areas. So there really isn't much competition. Sure, there are other places to get popcorn, but not movie theatre popcorn. It won't be lathered with 4000 calories worth of tasty b... |
Cash flow implications of converting primary mortgaged residence to rental | You have some of the math right, but are missing a few things. Here's what I can offer - if I leave anything out, someone please expand or clarify. Rental income can be reduced by mortgage interest and maintenance costs (as you mentioned), but also by property tax payments, association fees, insurance costs, landlord e... |
Can paying down a mortgage be considered an “investment”? | Paying down your mortgage saves lots of interest. With a long term mortgage you end up paying twice us much to the bank than the sales price of the house. Even low mortgage interests are higher than short term bonds. The saving of those interest are as much an investment as the interest you get from a bond. However, be... |
Other than being able to borrow to invest, how is a margin trading account different from a cash account? | Probably the most significant difference is the Damocles Sword hanging over your head, the Margin Call. In a nutshell, the lender (your broker) is going to require you to have a certain amount of assets in your account relative to your outstanding loan balance. The minimum ratio of liquid funds in the account to the lo... |
Found an old un-cashed paycheck. How long is it good for? What to do if it's expired? | The check is just barely over 6 months old. I suspect it will go through with no issues. |
I am a contractor with revenue below UK's VAT threshold. Should I register for VAT? | (1) Should I register for VAT? – If it is below the threshold amount it is purely voluntary. If you register for VAT, you would have to charge VAT and then do returns every quarter. If you can take up this bit of hassle, it doesn't make much of a difference. One thing you need to consider: you get 1% discount during y... |
Is a stock's trade size history publicly available? | That is called a 'volume chart'. There are many interactive charts available for the purpose. Here is clear example. (just for demonstration but this is for India only) 1) Yahoo Finance 2) Google Finance 3) And many more Usually, the stock volume density is presented together (below it) with normal price vs time chart... |
Computer vendor not honoring warranty. What's the next step? | You're probably best off going to a different store to fix the computer. Right now you don't have "damages." You could sue him but, there's no thing to sue for. If you sue for your original costs, you'd have to return the computer and probably only receive a portion of your original costs, less court filing fees. If ... |
Is it true that the price of diamonds is based on a monopoly? | Yes, the De Beers Group of Companies is a diamond cartel that had complete control of the diamond market for most of the 20th century. They still control a sizable portion of the market and their effort at marketing (particularly with the slogan "A Diamond is Forever") has done much to inflate the market for diamonds i... |
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