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If a company's assets are worth more than its market cap, can one say the shares must be undervalued? | You haven't mentioned how much debt your example company has. Rarely does a company not carry any kind of debt (credit facilities, outstanding bonds or debentures, accounts payable, etc.) Might it owe, for instance, $1B in outstanding loans or bonds? Looking at debt too is critically important if you want to conduct th... |
Why does the share price tend to fall if a company's profits decrease, yet remain positive? | The company's value (which should be reflected in the share price) is not how much money it has in the bank, but something along the lines of 'how much money will it make between now and the end of times' (adjusted for time value of money and risk). So when you purchase a share of a company that has, say, little money ... |
How do you find reasonably priced, quality, long lasting clothing? | According to this http://shine.yahoo.com/event/financiallyfit/cheapest-days-to-shop-online-2301854/ Tuesday is the best day of the week to buy men's apparel. |
Should I pay off a 0% car loan? | Don't pay off the 0% loan. First, set up an automatic monthly payment to ensure you never miss the payment (which could lower your credit score). If you are in Canada, depending on your situation: If you are employed and make more than $50k/year: |
Should I pay more into company pension, or is there a better way to save? | Re: Specifically, am I right in that everything I put on these is deducted from tax, or are there other rules? and Am I correctly understanding this as "anything above £3,600 per year will not be deducted from your tax"? Neither interpretation seems quite right… Unless what you mean is this: The contributions (to a pe... |
Could there be an interest for a company to make their Share price fall? | I'm sure Nintendo made that statement to stem what will clearly be an upset during the next quarterly report. This statement was simply a reminder to investors to avoid the stick price climbing ever higher only to crash when the financial situation of the company isn't significantly different from the prior quarter. T... |
PayPal wants me to “add a bank account”, another funding source. Credit card isn't working. Why? | It's possible the recipient of the payment is not setup to receive funds form PayPal from a credit card, too. |
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... |
How do I get into investing? | Don't do it until you have educated yourself enough to know what you are doing. I hope you won't take this personally, but given that you are wandering around asking random strangers on the Internet how to "get into investing," I feel safe in concluding that you are by no means a sophisticated enough investor to be cho... |
What investments work for these goals? | If you will leave the money invested for a good long while (years) then dividend paying stocks would be appropriate. There are many that pay yields of 3 to 4 percent, which you can take as income or reinvest to compound the growth. There is a lot of good analysis of stocks (and mutual funds that specialize in dividend ... |
401(k) not fully vested at time of acquisition | Probably not. If you were at a small company and asked such a question, you'd get advice and links to erisa or other case law, etc. it's safe to say that a Fortune 500 company such as IBM is going to have their facts in order, and not going to run afoul of the rules in these cases (vesting rules and takeover of other ... |
As a Canadian, what should I invest in if I'm betting that the Canadian real estate will crash? | If you believe you can time the crash, then We all know what comes after a crash… just as we know what comes after the doom, we just don’t know when…. |
How do I pay my estimated income tax? | Congratulations on starting your own business. Invest in a tax software package right away; I can't recommend a specific one but there is enough information out there to point you in the right direction: share with us which one you ended up using and why (maybe a separate question?) You do need to make your FICA taxes ... |
Does borrowing from my 401(k) make sense in my specific circumstance? | I completely agree with Pete that a 401(k) loan is not the answer, but I have an alternate proposal: Reduce your 401(k) contribution down to the 4% that you get a match on. If you are cash poor now and have debts to be cleaned up, those need to be addressed before retirement savings. You'll have plenty of time to mak... |
How are mortgage interest rates determined? | One will find that the fixed 30 year mortgage rate is tightly correlated to the 10 year treasury. An adder of 2-2.5% or so, changing slightly with the rest of the economy, as money can get tight or loose independent of the rate itself. In 2011 we are witnessing low rates yet tough loan standards, this is the phenomenon... |
Should I Use an Investment Professional? | Yes. The investment world is extremely fast-paced and competitive. There are loads of professional traders with supercomputers working day in and day out to make smarter, faster trade decisions than you. If you try to compete with them, there’s a better than fair chance you’ll lose precious time and money, which kind ... |
If throwing good money after bad is generally a bad idea, is throwing more money after good Ok? | I have heard that investing more money into an investment which has gone down is generally a bad idea*. "Throwing good money after bad" so to speak. Is investing more money into a stock, you already have a stake in, which has gone up in price; a good idea? Other things being equal, deciding whether to buy more st... |
Is 401k as good as it sounds given the way it is taxed? | Your analysis is not comparing apples to apples which is why it looks like investing money in a non-qualified account is better than a 401k (traditional or Roth). For the non-qual you are using post tax dollars (money that has already been taxed). Now on top of that original tax you are also going to pay capital gains... |
Should I pay my Education Loan or Put it in the Stock Market? | I read your question that you have a comfortable amount toward retirement. If not, pad your retirement accounts if possible. If your loan rate is locked at 2.67%, invest that money in the market and pay the loan as agreed. So long as you feel comfortable in your employment and income status for the next few years, I ... |
Bank of the Sierra: Are they legit? How can the checking interest APY be so high? | I believe MrChrister's answer is correct: Since they're FDIC insured, they are "legit." Second, on the seemingly too-good-to-be-true rate: They're basically making up the difference on other fees (not necessarily paid by you) in order to offer you the higher-than-market rate. I'd like to point out two things not ment... |
Passing money through a different account to avoid cash pay-in fees | Let me do the math. .6% * (not large) = really tiny. Since "not large" = "small" , etc. I suggest that even a small chance that you need to explain this to anyone in the future is a sign to avoid the risk. Yes, there are times that it's illegal. A real estate office may not deposit escrow funds into anything but a seg... |
Visitor Shopping in the US: Would I get tax refund? Would I have to pay anything upon departure? | Sales tax and luxury tax is what you will have to pay tax wise, and they are non-refundable (in most cases but the rules vary area to area). This really tripped up some friends of mine I had come from England. The rules are complicated and regional. Sales tax is anywhere from 0% to 10.25% and are not usually applied... |
Allocation between 401K/retirement accounts and taxable investments, as a young adult? | I would say yes, it makes sense to keep some money in taxable accounts. Retirement accounts are for retirement, and the various early withdrawal penalties are designed to enforce that. If you're anticipating using the money before retirement (e.g., for home purchase), it makes sense to keep it out of retirement accou... |
Why don't more people run up their credit cards and skip the country? | I take it the premise of the question is that we're assuming the person isn't worried about the morals. He's a criminal out for a quick buck. And I guess we're assuming that wherever you go, they wouldn't arrest you and extradite you back to the U.S. As others have noted, you can't just walk into a bank the day you gra... |
What is this type of risk-free investment called? | My Credit Union offers a market-linked CD where the investment has FDIC protection if it is held to maturity, but otherwise they are linked with the S&P 500. it comes with this warning: Market-Link CDs are not appropriate for all depositors including clients needing a guaranteed interest payment or seeking full par... |
W8-BEN for an Indian Citizen | According to the Form W-8BEN instructions for Part II, Line 10: Line 10. Line 10 must be used only if you are claiming treaty benefits that require that you meet conditions not covered by the representations you make on line 9 and Part III. For example, persons claiming treaty benefits on royalties must complete this... |
What does it mean when my Money Market account lists both a dividend share and an APY? | The dividend is what represents your ownership in the CU. The APY is a calculated figure that will help you compare apples to apples the return of the investment from many vendors and many types. (I think you CU might have had two different people writing that portion of the website, because the comparisons pages don'... |
W-4 and withholding taxes for self-employed spouse | With your income so high, your marginal tax rate should be pretty easy to determine. You are very likely in the 33% tax bracket (married filing jointly income range of $231,450 to $413,350), so your wife's additional income will effectively be taxed at 33% plus 15% for self-employment taxes. Rounding to 50% means you ... |
Is losing money in my 401K normal? | My two cents: I am a pension actuary and see the performance of funds on a daily basis. Is it normal to see down years? Yes, absolutely. It's a function of the directional bias of how the portfolio is invested. In the case of a 401(k) that almost always mean a positive directional bias (being long). Now, in your case I... |
Can I rely on my home equity to finance large home repairs? | Yes, a HELOC is great for that. I just had my roof done last month (~$15K, "ugh") and pretty much every major contractor in my area had a 0% same-as-cash for at least 12 months. So that helps - any balance that I don't bank by 11/15/2015 will be on the HELOC. |
Short Selling Specific to India | In India the Short is what is called in other markets call as "Naked Short" [I think I got the right term]. It means that you can only short sell intra day and by the end of the day you have to buy back the shares [at whatever price, if you don't; the exchange will do it by force the next day]. In other markets the Int... |
I made an investment with a company that contacted me, was it safe? | You can contact the french agency for stock regulation and ask them : http://www.amf-france.org/ |
The Benefits/Disadvantages of using a credit card | Credit card interest rates are obscene. Try to find some other kind of loan for the furnishings; if you put things on the card, try to pay them off as quickly as possible. I should say that for most people I do recommend having a credit card. Hotels, car rental agencies, and a fair number of other businesses expect to ... |
Best way to start investing, for a young person just starting their career? | If your employer offers a 401(k) match, definitely take advantage of it. It's free money, so take advantage of it! |
How can I improve my credit score if I am not paying bills or rent? | US based so I don't know how closely this translates to the UK, but generally speaking there are three things that contribute to a strong credit score. Length/volume of credit history. This is a combination of how many accounts appear in your history along with how long they have been open. Having a series of accounts... |
Is it possible for me to keep my credit card APR at 0% permanently? | If you pay your statement balance in full before the due date you will never pay a cent in interest no matter what your interest rate is.* In fact, I don't even know what my interest rates are. Credit card companies offer this sort of thing in the hopes you will spend more than you can afford to pay completely in thos... |
Covered Call Writing - What affects the price of the options? | There are some excellent responses to this question at the time of this post. I have had the greatest success writing 1-month options. The 2 main reasons are as follows: With little time to expiration as stated in the question the implied volatility of the option is dictating the premium. Looking for the highest premiu... |
How risky is it to keep my emergency fund in stocks? | A major danger of keeping "emergency" funds in the form of stocks is that many of the scenarios where one would need quick access to the money will also momentarily depress the stock market. Someone whose emergency funds were in some other form could avoid selling stocks during a momentary downturn, but someone who ha... |
How to invest in Japan's stock market from the UK | Use an exchange traded fund ETF, namely SPDR MSCI Japan EUR Hdg Ucits ETF. It is hedged and can be bought in the UK by this broker State Street Global Advisors on the London Stock Exchange LSE. Link here. Article on JAPAN ETF hedged in Sterling Pound here. |
What differentiates index funds and ETFs? | I think that assuming that you're not looking to trade the fund, an index Mutual Fund is a better overall value than an ETF. The cost difference is negligible, and the ability to dollar-cost average future contributions with no transaction costs. You also have to be careful with ETFs; the spreads are wide on a low-volu... |
Snowball debt or pay off a large amount? | I want to know if I cut the citi card in half for example, how much would the min payment go down? If you goal is to become debt-free, the minimum payment shouldn't matter. Even if the minimum payment goes down, continue your current payment amount (or more, if you can afford it) until the balance is paid off. Paying t... |
Is there any benefit to investing in an index fund? | when the index is altered to include new players/exclude old ones, the fund also adjusts The largest and (I would say) most important index funds are whole-market funds, like "all-world-ex-US", or VT "Total World Stock", or "All Japan". (And similarly for bonds, REITS, etc.) So companies don't leave or enter these in... |
Emulating a 'long straddle' without buying or selling Options? | Up until your strategy's money losing leg is stopped out, you have zero PnL, while a straddle has lost time value but may gain from price movements - all the PnL at that time you cannot capture with your strategy. Also stop loss cannot guarantee your price. |
If a startup can always issue new shares, what value is there to stocks/options? | It's called "dilution". Usually it is done to attract more investors, and yes - the existing share holders will get diluted and their share of ownership shrinks. As a shareholder you can affect the board decisions (depends on your stake of ownership), but usually you'll want to attract more investors to keep the compan... |
Accepting personal “donations” (not as a non-profit) | I would be inclined to back the 'tip jar' weblink idea, this is very prolific within the Twitch community, as a method of tipping and thereby supporting content creators. I know that there are numerous tutorials on how to set up 'tip' sites for such usage, so that may point you in the right direction. Also you could tu... |
At what point should I go into credit card debt? | You're situation is actually pretty solid except for the job part. I definitely understand the existential meltdown in your 30s. Luckily you're in web design and have an in-demand job. Maybe go to a code school/design immersive to add some new skills and reinvigorate yourself. If mental health needs to be addressed abo... |
How secure is my 403(b)? Can its assets be “raided”? | The simple answer is that with the defined contribution plan: 401k, 403b, 457 and the US government TSP; the employer doesn't hold on to the funds. When they take your money from your paycheck there is a period of a few days or at the most a few weeks before they must turn the money over to the trustee running the prog... |
Claiming business expenses for a business with no income | Yes you can claim your business deductions if you are not making any income yet. But first you should decide what structure you want to have for your business. Either a Company structure or a Sole Trader or Partnership. Company Structure If you choose a Company Structure (which is more expensive to set up) you would cl... |
How can a Canadian get exposure to safe haven currencies? | If S&P crashes, these currencies will appreciate. Note that the above is speculation, not fact. There is definitely no guarantee that, say, the CHF/CAD currency pair is inversely linked to the performance of the US stock market when measured in USD, let alone to the performance of the US stock market as measured in CAD... |
How does a online only bank protect itself against fraud? | There are Cyber Security and Reporting Standards which Financial Service Provider (Banks and Financial services where customers deposit and/or transact fiat currency) You can find a comprehensive list on Wikipedia under Cyber security standards Depending on the geographic location there might be local Govt requirements... |
Making $100,000 USD per month, no idea what to do with it | Your #1 problem is the Government both in it's form as a taxation outfit and as a 'law and order' outfit. You'd be very surprised at how fast a bank seizes your bank account in response to a court order. Purchase 100 Mexican 50 Peso Gold (1.2 oz/ea). These coins are cheap (lowest cost to get into) and will not be re... |
Does a company's stock price give any indication to or affect their revenue? | Look at the how the income statement is built. The stock price is nowhere on it. The net income is based on the revenue (money coming in) and expenses (money going out). Most companies do not issue stock all that often. The price you see quoted is third parties selling the stock to each other. |
Is my mother eligible for SNAP? | If she lives by herself, my guess would be that she qualifies as a household of one. Either way, her monthly income is below the threshold, so she should be eligible. Per the linked website The only way to determine if your household is eligible for SNAP benefits is to apply. I'd say it's worth a try. |
Capital Gains Tax - Does this apply only to the actual “gains” or to the entire amount of my sale? | You normally only pay taxes on the difference between the sale price and the cost basis of the asset. In your example, you would probably pay taxes on the $10 difference, not the full sale price of $110. If you paid a commission, however, you would be taxed on your gain minus the commission you paid. Since you held the... |
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... |
Should I invest $35,000 for 3-5 months? [duplicate] | Yes, and there are several ways, the safest is a high-yield savings account which will return about 1% yearly, so $35 per month. That's not extremely much, but better than nothing (you probably get almost zero interest on a regular checking account). |
Buy stock in Canadian dollars or US? | General advice for novice investors is to have the majority of your holdings be denominated in your home currency as this reduces volatility which can make people squeamish and, related to your second question, prevents all sorts of confusion. A rising CAD actually decreases the value (for you) of your current USD stoc... |
For the first time in my life, I'm going to be making real money…what should I do with it? | On the one hand, it's a great idea to open a Roth IRA now, once you've got the cash to contribute. It's a tax designation sounds like it would fit your meager earnings this year. The main reason to open one now rather than later is that some types of withdrawls require the account be aged 5 years. But you can also with... |
Resources on Buying Rental Properties | The book HOLD: How to Find, Buy, and Rent Houses for Wealth by Chader et al. was one of the best I've read on the subject. It has all of the basics, explanations, examples, and gives you real-life assumptions for your inputs when you do your analysis. It does contain some less-relevant information now that was more rea... |
How does a bank make money on an interest free secured loan? | Generally speaking, an interest-free loan will be tied to a specific purchase, and the lender will be paid something by the vendor. The only other likely scenario is an introductory offer to try to win longer-term more profitable business, such as an initial interest-free period on a credit card. Banks couldn't make mo... |
Why does the share price tend to fall if a company's profits decrease, yet remain positive? | You are omitting how the company made 120 million in the previous year and may be facing a shrinking market and thus have poor future prospects. If the company is shrinking, what will the shares be worth down the road. Remember companies like AOL or Blackberry? There was a time they had big profits before things change... |
When should I start an LLC for my side work? | An LLC is overkill for 99% of 1 man small businesses. Side-businesses should remain as sole proprieterships until they get much larger and need the benefits of the LLC laws. You can still bill through a company name if you want to start building a brand: And set aside 25% of your gross income for Uncle Sam. He wants yo... |
Clarify on some Stocks Terminology | Volume is measured in the number of shares traded in a given day, week, month, etc. This means that it's not necessarily a directly-comparable measure between stocks, as there's a large difference between 1 million shares traded of a $1 stock ($1 million total) and 1 million shares traded of a $1000 stock ($1 billion t... |
Free brokerage vs paid - pros and cons | The first consideration for the banking part of your portfolio is safety. In the United States that is FDIC protection, or the equivalent for a Credit Union. The second consideration is does it have the level of service you need. For this I mean the location of branches, ATMs, or its online services meet your needs for... |
I carelessly invested in a stock on a spike near the peak price. How can I salvage my investment? | You probably bought the stock near the peak because "it's been up a lot lately." That's the easiest way to lose money. You need to go back and do some basic research. The stock appears to have been expensive around 75. Why is that? The stock seems to be in a "comfortable" level around 45. Why is THAT? Maybe it's too ex... |
Who creates money? Central banks or commercial banks? | Scenario 1 is typically the better description. If commercial banks were allowed to simply "create" money, they wouldn't be in the mess they're in now. In the U.S., the central bank is the Federal Reserve or Fed, and is the only entity (not the government, not the banks, not the people) that is allowed to create money ... |
What happens to people without any retirement savings? | I'm afraid you have missed a few of the outcomes commonly faced by millions of Americans, so I would like to take a moment to discuss a wider range of outcomes that are common in the United States today. Most importantly, some of these happen before retirement is ever reached, and have grave consequences - yet are ofte... |
How can rebuilding a city/large area be considered an economic boost? | The people who benefit are large engineering and construction companies, manufacturers of construction equipment, bankers and lawyers. So in the world of realpolitik that we live in, the misery of millions of "other people" is spun as a net benefit, because "we" benefit from that misery. |
Should I start investing in property with $10,000 deposit and $35,000 annual wage | I would strongly, strongly advise against it. Others here are answering the question of, having decided to invest in property, how one ought to ensure that one invests in the right property. What has not really been discussed here is the issue of diversification. There are a number of serious risks to property investme... |
Will an ETF immediately reflect a reconstitution of underlying index | AAPL will not drop out of NASDAQ100 tomorrow. From your own quote: The fund and the index are rebalanced quarterly and reconstituted annually |
What's a good personal finance management web app that I can use in Canada? | Now, keep in mind I'm biased because I'm an engineer at this company, but FutureAdvisor.com provides advice on your savings and investments. We currently help users optimize their portfolios for retirement savings, but plan on rolling our more savings goals in the future. |
Do I have to pay a capital gains tax if I rebuy different stocks? | Probably. It sounds like you're looking for a 1031-exchange for stocks and bonds. From the wikipedia page for 1031-exchanges: To qualify for Section 1031 of the Internal Revenue Code, the properties exchanged must be held for productive use in a trade or business or for investment. Stocks, bonds, and other properties... |
Investment in mutual fund in India for long term goals | Buy only 'Direct' Plans, not regular. - Demat providers won't sell Direct plans, that you can do it through https://www.mfuindia.com Make sure expense ratio < 2.5% (With direct plans it will be much lesser) I hope these points will help you to take a better decision. |
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 ... |
Determining the minimum dividend that should be paid from my S corporation | There are no dividends from S-Corp. There are distributions. Big difference. S-Corps fill form 1120S and schedule K-1 per shareholder. In the schedule all the income of your S-Corp will be assigned to various categories that you will later copy to your personal tax return as your personal income. It is not dividend inc... |
Where should I invest to hedge against the stock market going down? | Sometimes the simple ways are the best: |
Options strategy - When stocks go opposite of your purchase? | If you buy a call, that's because you expect that the stock will go up. If it does not go up, then forget about buying more calls as your initial idea seems to be wrong. And I don't think that buying a put to make up for the loss will work either, the only thing that is sure is that you will pay another premium (on a s... |
Why UK bank charges are not taken account when looking on interest for taxation? | Because your profit from the capital IS 100 quid. Capital gains is not like running a business and doesn't come with tax deductions. It's up to you to pick saving scheme that maximizes your profit (either via low costs or highest possible rate). |
Can individuals day-trade stocks using High-Frequency Trading (HFT)? | I just finished a high frequency trading project. Individuals can do it, but you need a lot of capital. You can get a managed server in Times Square for $1500/month, giving you access to 90% of the US exchanges that matter, their data farms are within 3 milliseconds of distance (latency). You can also get more servers ... |
How to prevent myself from buying things I don't want | There's a reason that you get a discount code: to make you feel like you're getting a deal. A deal is what you get when there was something that you were already going to buy, and you got it for a lower price than you were going to originally spend on it. If you learn to look at "rewards" as a marketing ploy that is de... |
Why do governments borrow money instead of printing it? | My own simple answer is that it will affect and reduce productivity (e.g. Zimbabwe). it will also cause inflation which mean that no one will want to work for production again. |
Understanding highly compensated employees within 401ks | There are some nuances with HCE definition. To answer your questions. It's compensation as defined by the plan. Usually it's gross comp, but it can exclude things like fringe benefits, overtime pay, commissions, bonuses, etc. The compensation test is also a look-back test, meaning that an EE is determined to be an HCE ... |
Purchasing options between the bid and ask prices, or even at the bid price or below? | People must simply be willing to match your orders if they know about it. You can sniff orders out if you can see them or predict them. For instance, you can look at an order book and decide who you want to get filled at, especially if you are looking at different quotes from different exchanges. So you can get a "bett... |
Online Return Policies | If you paid by credit card, file a dispute with the credit card company. They will credit you the money immediately while they investigate. The burden of proof will then be on the merchant. Keep your documents handy in case you need them: USPS receipt, proof of delivery, copies of all correspondance, etc. File the cred... |
how derivatives transfer risk from one entity to another | When you buy a call option, you transfer the risk to the owner of the asset. They are risking losing out on gains that may accumulate in addition to the strike price and paid premium. For example, if you buy a $25 call option on stock XYZ for $1 per contract, then any additional gain above $26 per share of XYZ is misse... |
What's the catch with biweekly mortgage payments? | Interest is a fee that you pay in order to use someone else's money. Once you've made the deal, pretty much anything you do that reduces the total interest that you pay does so by reducing the time for which you get to use their money. As an extreme example, consider a thirty-year interest-only loan, with a balloon pay... |
Why does money value normally decrease? | Currently, the quantity theory of money is widely accepted as an accurate model of inflation in the long run. Consequently, there is now broad agreement among economists that in the long run, the inflation rate is essentially dependent on the growth rate of money supply. However, in the short and medium term inflation ... |
For a car, what scams can be plotted with 0% financing vs rebate? | Here's a number-crunching example of how the "Zero interest rate" offer is misleading. Suppose the offer is that a car "costs $24,000.00 with zero percent financing over 24 months" or as an alternative, "$3,000.00 off for cash". Ignore the hype: the quoted prices and the quoted interest rates. Look at what really ha... |
What is meant by “priced in”? | I think the first misconception to clear up is that you are implying the price of a stock is set by a specific person. It is not. The price of a stock is equal to the value that someone most recently traded at. If Apple last traded at $100/share, then Apple shares are worth $100. If good news about Apple hits the marke... |
Historical company performance data | Morningstar has that 10 history at http://financials.morningstar.com/ratios/r.html?t=JNJ®ion=usa&culture=en-US |
Why can't you just have someone invest for you and split the profits (and losses) with him? | because the market price for good investment advice isn't that low. investment advice is subject to market pricing just like any other good or service. if you are good enough at investing that you seek increased volatility opportunities, you will have no trouble finding investors willing to give you a share of the ups... |
What considerations are there for making investments on behalf of a friend? | Pool their money into my own brokerage account and simply split the gains/losses proportional to the amount of money that we've each contributed to the account. I'm wary of this approach due to the tax implications and perhaps other legal issues so I'd appreciate community insight here. You're right to be wary. Y... |
What is the p/e ratio? | PE ratio is the current share price divided by the prior 4 quarters earnings per share. Any stock quote site will report it. You can also compute it yourself. All you need is an income statement and a current stock quote. |
Full-time work + running small side business: Best business structure for taxes? | You should look into an LLC. Its a fairly simple process, and the income simply flows through to your individual return. It will allow you to deduct supplies and other expenses from that income. It should also protect you if someone sues you for doing shoddy work (even if the work was fine), although you would need ... |
Tax consequences when foreign currency changes in value | If you buy foreign currency as an investment, then the gains are ordinary income. The gains are realized when you close the position, and whether you buy something else go back to the original form of investment is of no consequence. In case #1 you have $125 income. In case #2 you have $125 income. In case #3 you have ... |
Is Amazon's offer of a $50 gift card a scam? | a free $50 looks too good to be true. As others already pointed out, these offers are common to many cards that want you to build loyalty towards a particular company (e.g. airlines cards give lots of mileage for a decent initial spend). Should I get this card for the $50? Why and/or why not? How much do you spend on A... |
When are investments taxed? | This answer is about the USA. Each time you sell a security (a stock or a bond) or some other asset, you are expected to pay tax on the net gain. It doesn't matter whether you use a broker or mutual fund to make the sale. You still owe the tax. Net capital gain is defined this way: Gross sale prices less (broker fees f... |
Do real nappies (reusable / cloth diapers) really save money? | I don't think they do. And here's why. If you don't want your child to get skin irritation, you need to watch closely and change the "nappy" right when it got wet. For newborns it means like every 2 hours. It creates a big pile of laundry, but the main thing — additional burden on mother. So, even if you save a little ... |
How can a person protect his savings against a country default? | The default of the country will affect the country obligations and what's tied to it. If you have treasury bonds, for example - they'll get hit. If you have cash currency - it will get hit. If you're invested in the stock market, however, it may plunge, but will recover, and in the long run you won't get hit. If you're... |
Can you buy gift cards at grocery store to receive a higher reward rate? | In a similar situation I wrote about How I Made $4,000+ on a Cash Back Credit Card Offer. The total was actually $4550, and was from an insane offer from a new credit card my bank advertised. 10% cash back on all spending during the first 90 days. I wondered if gift card purchases counted, and more than store cards, I ... |
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