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Reason for “qualified” buyer requirements to exercise stock options/rights spun off from parent company? | An option gives you the legal right to buy stock. However, you cannot exercise a stock option unless you have the ability to buy the stock. In the United States, securities not fully registered with the SEC for public sale cannot be purchased except by qualified investors. |
Can I participate in trading Facebook shares on their IPO day from any brokerage? | Any retail equity brokerage will give you access to the NYSE, and thus Facebook shares as they become available. However, it is important to note that you nor any retail investor will be able to purchase FB at the IPO prices ($33-38 IIRC). The only people who will be able to buy in at that price are the underwriting ... |
Why do some online stores not ask for the 3-digit code on the back of my credit card? | nan |
Getting live data from Yahoo! Finance for the National Stock Exchange of India (NSE)? | I wouldn't think so. If you read the list of features listed on the page you referred to, notice: Track Stocks It looks like it is restricted to the major U.S. stock markets. No mention of India's NSE. |
For a single company listed in multiple exchanges in different countries, are the shares being offered the same? | Yes and no. There are two primary ways to do this. The first is known as "cross listing". Basically, this means that shares are listed in the home country are the primary shares, but are also traded on secondary markets using mechanisms like ADRs or Globally Registered Shares. Examples of this method include Vodafone... |
How to tell if an option is expensive | One way is to compare the implied volatility with the realised volatility over a period similar to the time left to expiry. However there are plenty of reasons why the implied may be higher than the historical, for example because the market volatility has increased overall or because the underlying company is going to... |
Options for Cash only Buyout due to Company Merger | What are my options, if any, in how to deal with a buyout that forced me to sell, and accept cash only for my Florida USA company shares? Options are limited; |
How to determine contractor hourly rate and employee salary equivalents? | Here are a few points to consider: Taxes: As a consultant, you will be responsible for the employer portion of the Social Security and Medicare taxes, and you might have to pay for state unemployment insurance and state disability insurance, as well. Office expenses: As a consultant, you may be required to buy your own... |
Shouldn't a Roth IRA accumulate more than 1 cent of interest per month? | There are a couple of misconceptions I think are present here: Firstly, when people say "interest", usually that implies a lower-risk investment, like a government bond or a money market fund. Some interest-earning investments can be higher risk (like junk bonds offered by near-bankrupt companies), but for the most par... |
Where should I park my rainy-day / emergency fund? | Something with an FDIC guarentee, so a bank. With an emergency fund, I think the 'return of capital' is more important than the 'return on the capital', so I'm fine with putting it in a standard savings account in a local bank(not an internet account) even if it pays next to nothing. The beauty is that since the bank i... |
Why does the share price tend to fall if a company's profits decrease, yet remain positive? | In a rational market, the market caps (total value of all shares of the company) should be determined by the expected future profits of the company, plus the book value (that is the value of all assets that the company holds). The share price is then calculated as market caps divided by number of shares - a company wor... |
Lost credit card replaced with new card and new numbers. Credit score affected? | This will have no effect on your credit score. Even though your credit card account number is changing, it is still the same account, so your history of payments and age of accounts will remain unchanged. |
Can a merchant charge you more in the US if you want to use a credit card? | This isn't so much a legal issue, the prohibition on giving discounts was written into the merchant agreements that most of the major credit card companies enforced on businesses that accepted their credit cards. That is, until the recent Financial Reform Bill (2010) passed Congress. It changes everything. (The logic o... |
Does the sale of personal items need to be declared as income on my income taxes? | I doubt it. In the States you would only owe tax if you sold such an item at a profit. "garage sales" aren't taxable as they are nearly always common household items and sale is more about clearing out one's attic/garage than about profit. Keep in mind, if I pay for a book, and immediately sell it for the same price, ... |
Has the likelihood of getting a lower interest rate by calling & asking been reduced by recent credit card regulations? | I don't know that this can actually be answered objectively. Maybe it can with some serious research. (Read: data on what the issuers have been doing since the law went into affect.) Personally, I think the weak economy and general problems with easy credit are a bigger issue than the new rules. Supposedly, there is... |
Switch from DINK to SIWK: How do people afford kids? | How do people do it? Firstly, I'd advise you to explicitly budget all taxes. The reason is because taxes get complicated when you have a child deduction. Not that raising a child is profitable post taxes, but it can change your perspective. SIWKs with high income get by just fine. The rest sacrifice. They buy less hous... |
Need to change cash to cashier's check without bank account (Just arrived to the US) | the easiest thing would be to go to walmart and stock up on 1000$ money orders paying a 70 cents fee for each. your landlord would almost certainly accept money orders, but double check first just in case. i say stock up because you can't get a money order for more than 1000$ and they usually won't let you buy more tha... |
What is the best way to help my dad consolidate his credit card debt at a lower rate? | Are you doing the right thing? Yes, paying back some of the expense of college is a great way to show your gratitude. Could your sister also pitch in a little to help pay the debt down? Will you get approved for a $30,000 unsecured loan? You don't mention your credit rating but that will have an effect obviously. You m... |
Where can I lookup accurate current exchange rates for consumers? | Current and past FX rates are available on Visa's website. Note that it may vary by country, so use your local Visa website. |
How can I tell if this internet sales manager is telling me the real “true cost” of a new car to the dealer | I don't buy new cars anymore, but I've helped family members negotiate prices on new cars recently. There are various online services to see the average price paid, as well as the low outliers. I've looked at truecar.com for instance to see what others have paid within 50 miles of my zip-code. I think the only way for ... |
Should I save for my children's university education in Canada, or am I better off paying off loans and gaining debt room? | At the very least I'd look closely at what you could get from the RESP (Registered Education Savings Plan). Depending on your income the government are quite generous with grants and bonds you can get over $11,000 of 'free' money if you qualify for everything CESG - Canada Education Savings Grant By applying for the C... |
Where to start with finding good companies to invest? | There obviously is not such a list of companies, because if there were the whole world would immediately invest in them. Their price would rise like a rocket and they would not be undervalued anymore. Some people think company A should be worth x per share, some people think it should be worth y. If the share price is ... |
What do these numbers mean? (futures) | The other answer covers the mechanics of how to buy/sell a future contract. You seem however to be under the impression that you can buy the contract at 1,581.90 today and sell at 1,588.85 on expiry date if the index does not move. This is true but there are two important caveats: In other words, it is not the case tha... |
How are exchange rates decided for each country? | Rates are arrived at by the cumulative buying and selling on the foreign exchange market, much the same way that stock prices are arrived at. If there are more people wanting to buy dollars with euros, EUR/USD goes down. If more people want to buy euros with dollars, then EUR/USD goes up. The initial rate was about $... |
Which kind of investment seems feasible to have more cashflow every week or month? | Over the long run, you can expect to do about as well as the market itself. Depending on what time period you view, the stock market has typically provided returns of approximately 10%. Some years it is up, some years it is down. You may think you can get better returns, but you are mistaken. You may be able to do bett... |
What is the best way to help my dad consolidate his credit card debt at a lower rate? | I agree with you that you need to consolidate this debt using a loan. It may be hard to find a bank or credit organization that will give you an unsecured personal loan for that much money. I know of one, called Lending Club (Disclaimer - I'm an investor on this platform. Not trying to advertise, it's just the only pl... |
What percentage of my portfolio should be in individual stocks? | I find the question interesting, but it's beyond an intelligent answer. Say what you will about Jim Cramer, his advice to spend "an hour per month on each stock" you own appears good to me. But it also limits the number of stocks you can own. Given that most of us have day jobs in other fields, you need to decide how ... |
Where do expense ratios show up on my statement? | I don't think that you'll notice a difference in the NAV in a fund with fees that are low as the Vanguard Total Stock Market Fund. Their management fees are incorporated into the NAV, but keep in mind that the fund has a total of $144 billion in assets, with $66 billion in the investor class. The actual fees represent ... |
Why should a company go public? | The purpose is to go public but also to generate more wealth. The real money comes when market values you at a price more than your cash flow. If a company brings in $1000 of cash flow, then that is what the employees and owners have to distribute among themselves. But if they are likely to increase to $2000 next and $... |
How to find out the amount of preferred stock of Coca Cola Company? | You can find this in the annual report. Preferred value is not the same as common value. |
Why are index funds called index funds? | Because they track an index. Edited: The definition of the word in this case meaning "something used or serving to point out; a sign, token, or indication" from Meaning #3 I presume therefore you are asking what an index is? There are many variations of what makes up an Index but in short it is a representation of som... |
Where to invest proceeds from home sale to be used to buy new house within five years? | For a two year time frame, a good insured savings account or a low-cost short-term government bond fund is most likely the way I would go. Depending on the specific amount, it may also be reasonable to look into directly buying government bonds. The reason for this is simply that in such a short time period, the stock ... |
Cash out 401k for house downpayment | Does it ever make sense? Yes, but almost never. If you're in a situation where you're invested in something with low rates (think government securities) or cash equivalents, then you do need to think about rate spread as you mention. Does the savings over the life over the mortgage beat out the 35% hit now, plus all t... |
What evidence or research suggests that mid- or small-capitalization stocks should perform better than large caps? | From Dimson, Elroy, Paul Marsh, and Mike Staunton. Triumph of the Optimists: 101 Years of Global Investment Returns. Princeton, N.J: Princeton University Press, 2002: Disappointingly, the small firm effect has not proved the road to great riches since soon after its discovery, the US size premium went into reverse.... |
What's a good free checking account? | The best bank with least amount of gotchas is Alliant Credit Union. I did a lot of research and finally decided on this bank. I did a comparative study between ING, Ally and Alliant and found Alliant to be superior than the the other two. More about my study: http://www.moneycone.com/a-bank-thats-better-than-ally-... |
If the housing market is recovering, why would a REIT index ETF (e.g. VNQ) not be performing well? | To round out something that @Chris W. Rea pointed out, the business that a REIT is in will be either A) Equity REIT... property management, B) mortgage REIT... lending, or C) hybrid REIT (both). A very key point about why REITs broadly have been struggling lately, (and this would show up in the REIT indices/ETFs you'v... |
Will the ex-homeowner still owe money after a foreclosure? | Generally, yes, although not in all states. According to this article in Time: But in non-recourse states — Alaska, Arizona, California, Connecticut, Florida, Idaho, Minnesota, North Carolina, North Dakota, Texas, Utah, and Washington — the bank has no recourse beyond the repossession of the property. As for the quest... |
Strategy for investing large amount of cash | What you put that money into is quite relevant. It depends on how soon you will need some, or all, of that money. It has been very useful to me to divide my savings into three areas... 1) very short term 'oops' funds. This is for when you forget to put something in your budget or when a monthly bill is very high this... |
What to do with your savings in Japan | The reason for these low interests is that the Japanese central bank is giving away money at negative interests to banks. Yes, negative. So, short of opening your own bank, you'll have to either choose less liquid investments or more risky ones. Get Japanese government bonds. Not a great interest, band not that liquid,... |
What is the rationale behind stock markets retreating due to S&P having a negative outlook on the USA? | Many of the major indices retreated today because of this news. Why? How do the rising budget deficits and debt relate to the stock markets? The major reason for the market retreating is the uncertainty regarding the US Dollar. If the US credit rating drops that will have an inflationary effect on the currency (a... |
How do I calculate ownership percentage for shared home ownership? | Accounting for this properly is not a trivial matter, and you would be wise to pay a little extra to talk with a lawyer and/or CPA to ensure the precise wording. How best to structure such an arrangement will depend upon your particular jurisdiction, as this is not a federal matter - you need someone licensed to advise... |
Do any publically available documents from IR or SEC include all patents the company holds? | It appears as others have said that companies are not required to state this on as any sort of Asset. I remembered a friend of mine is a lawyer specializing in Intellectual Property Rights so asked him and confirmed that there's no document companies are required to file which states all patent holdings as assets. Ther... |
First time home buyer. How to negotiate price? | Advice from a long-time flipper You negotiate price based on four factors and none of these are set in stone: How much you love the house. Is this house a 100 out of 100 for you or a 85 or a 75. How much have you compromised. What is the likelihood that you will find a house that will make you just as happy or at lea... |
Should you keep your stocks if you are too late to sell? | The stock price is not only based on the general market trend and the stock's current profitability and prospects, but is also based on prediction of how the stock's prospects might change in the future. In almost every case, there are professional investors analysing the stock's future prospects and considering whethe... |
Are stock investments less favorable for the smaller investor? | You have got it wrong. The profit or loss for smaller investor or big investor is same in percentage terms. |
5/1 ARM: Lifetime cap, First Adjustment Cap, Margin, and Annual Cap? | Interest rates are at a record low and the government is printing money. You can get a fixed rate loan at a rate equal to inflation in a healthy economy. Unless you know that you are moving in < 5 years, why would you expose yourself to interest rate risk when rates are about as close to zero as they can be? If your th... |
Deducting business expenses paid for by gift card | To quote the answer you linked to: Perhaps the simplest way to think about this is you can only deduct an expense that you actually incur. In other words, the expense should show up on a bank or CC statement. So, if your business purchased the $1000 gift card for $800, you should see a $800 charge appearing on a busine... |
What does the term “match the market” mean? | If your returns match the market, that means their rate of return is the same as the market in question. If your returns beat the market, that means their rate of return is higher. There's no one 'market', mind you. I invest in mutual funds that track the S&P500 (which is, very roughly, the U.S. stock market), that tra... |
Ticker symbols differences between Yahoo Finance and BestInvest | BestInvest is a UK site looking at that URL, base on the "co.uk" ending. Yahoo! Finance that you use is a US-based site unless you add something else to the URL. UK & Ireland Yahoo! Finance is different from where you were as there is something to be said for where are you looking. If I was looking for a quarter dollar... |
Getting over that financial unease? Budgeting advice | Budgeting is a tool for planning, not for execution. It sounds like you don't have a problem BUDGETING (planning what to spend on what things) but rather with the execution of your plan. That is - living frugally. This is primarily an issue of self control and personal psychology - not an issue with the mechanics of bu... |
How can I improve my credit score if I am not paying bills or rent? | Buy a car. Vehicle loans, like mortgages, are installment loans. Credit cards are revolving lines of credit. In the US, your credit score factors in the different types of credit you have. Note that there are several methods for calculating credit scores, including multiple types of FICO scores. You could buy a car and... |
Would it ever be a bad idea to convert a traditional IRA to a Roth IRA with the following assumptions? | Even if you're paying a lot of taxes now, you're talking marginal dollars when you look at current contribution, and average tax rate when making withdrawals. IE, if you currently pay 28% on your last dollar (and assuming your contribution is entirely in your marginal rate), then you're paying 28% on all of the Roth c... |
What is the point of the stock market? What is it for, and why might someone want to trade or invest? | I rather like The Ascent of Money, by Niall Ferguson. This comes in several formats. There's a video version, a written version (ISBN-13: 978-1594201929), and an audio version. This book covers the history of financial instruments. It covers the rise of money, the history of bonds and stocks, insurance and hedge funds,... |
If the co-signer on my car loan dies, can the family take the car from me like they're threatening to? | If you've been paying on the car for three years, it's possible that your credit is in a place where you don't need a co-signer any more. See if your bank will re-fi with you as the sole debtor. If they won't do it, find another institution who will. The re-fi will take your grandpa off the loan, and whichever instit... |
Individual Investor Safe Reinvest Gains Strategy? | Your idea is a good one, but, as usual, the devil is in the details, and implementation might not be as easy as you think. The comments on the question have pointed out your Steps 2 and 4 are not necessarily the best way of doing things, and that perhaps keeping the principal amount invested in the same fund instea... |
Capital Gains Tax with Multiple 'buy' Transactions per Stock (U.S.) | From 26 CFR 1.1012(c)(1)i): ... if a taxpayer sells or transfers shares of stock in a corporation that the taxpayer purchased or acquired on different dates or at different prices and the taxpayer does not adequately identify the lot from which the stock is sold or transferred, the stock sold or transferred is charged ... |
Do market shares exhaust? | Yes, all the shares of a publicly traded company can be purchased. This effectively takes the company private so that it's no longer traded on a stock market. Here are some examples: EDIT: to answer your edited question... the corporation can issue more stock. However that would dilute the value of existing shares. T... |
Can capital gains be used to fund an IRA with tax advantages? | IRA contribution must be from your earned income in the sense that you cannot contribute to IRA more than you have in earned income. If all your income is capital gains - you cannot contribute anything to IRA. Once you're within the income limit restriction, it doesn't matter what other money you have, because as you s... |
Better to rent condo to daughter or put her on title? | @Pete B.'s answer is good, but there's an important note to consider for tax purposes. It's too large for a comment, so I'm adding it as an answer. And that is: you cannot claim the property as a rental property under certain conditions. This affects things like claiming mortgage interest (which you don't have), and ... |
How do i get into investing stocks [duplicate] | 50 (dollars, Euros?) is a very small amount to invest. The first time I ever bought stock I picked a winner. It went up by about 40% in the first few months. I sold it and lost money. How? I only bought 10 shares at $7.50 each. The profit was less than the two commissions for buying and selling (about $17 a piece). If ... |
How to rescue my money from negative interest? | You could buy Bitcoins. They are even more deflationary than Swiss Francs. But the exchange rate is currently high, and so is the risk in case of volatility. So maybe buy an AltCoin instead. See altcoin market capitalization for more information. Basically, all you'd be doing is changing SwissFrancs into Bitcoin/AltC... |
Should a high-school student invest their (relative meager) savings? | IMHO It is definitively not too early to start learning and thinking about personal finances and also about investing. If you like to try stock market games, make sure to use one that includes a realistic fee structure simulation as well - otherwise there'll be a very unpleasant awakening when switching to reality... ... |
How does historical data get adjusted for dividends, exactly? | If you download the historical data from Yahoo, you will see two different close prices. The one labeled 'Close' is simply the price that was quoted on that particular day. The one labeled 'Adj Close' is the close price that has been adjusted for any splits and dividends that have occurred after that date. For example... |
Is 0% credit card utilization worse than 1-20% credit card utilization for any reason other than pure statistics? | The whole point of a credit report and, by extension, a credit score, is to demonstrate (and judge) your ability to repay borrowed funds. Everything stems from that goal; available credit, payment history, collections, etc all serve to demonstrate whether or not you personally are a good investment for lenders to purs... |
Why do most banks in Canada charge monthly fee? | Arguably, "because they can". Canada's banking industry is dominated by five chartered banks who by virtue of their size, pretty much determine how banking is done in Canada. Yes, they have to abide by government regulation, but they carry enough weight to influence government and to some extent shape the regulation t... |
How to determine how much to charge your business for rent (in your house)? | Your best approach is to assess rent levels in your local area for offices of a similar size. You need to take into account all the usuals - amenities, parking, etc, just as if your home-office was provided by a third-party. Get your $/sq ft and work out the monthly amount. With this figure, you need to then work out w... |
Is issuer's bank allowed to charge fee when cashing check? | Some banks charge their own customers if they make use of a teller. That is what you are doing. You are going to a bank where you are not a customer and requesting a transaction that requires a teller. If you cash the check by going though your bank, the issuer's bank only handles it as a non-teller transaction. |
Does my net paycheck decrease as the year goes on due to tax brackets filling up? | H.R. basically consults Publication 15 (this is the link to 2015) to determine how much to hold, based on filing status, exemptions, and pay amount. What's described here is a form of estimation, or, in other words, H.R. withholds what would be your actual taxes, dividing across the number of paychecks you receive. Ass... |
Paid cash for a car, but dealer wants to change price | As others have said, if the dealer accepted payment and signed over ownership of the vehicle, that's a completed transaction. While there may or may not be a "cooling-off period" in your local laws, those protect the purchaser, not (as far as I know) the seller. The auto dealer could have avoided this by selling for a ... |
What cost basis accounting methods are applicable to virtual currencies? | The only "authoritative document" issued by the IRS to date relating to Cryptocurrencies is Notice 2014-21. It has this to say as the first Q&A: Q-1: How is virtual currency treated for federal tax purposes? A-1: For federal tax purposes, virtual currency is treated as property. General tax principles applicable to p... |
How can I find out what factors are making a stock's price rise? | A few days ago they launched Fannie Mae Guaranteed Multifamily Structures (link) but who knows? It's a penny stock now. Google Finance is pretty good at marking news right on the chart for a particular stock. That's how I tracked that piece of news down. Can't say that it precipitated a lot of people buying the stoc... |
Investing in a growth stock periodically | I would encourage you to read The Warren Buffett Way. Its a short read and available from most libraries as an audio book. It should address most of the ignorance that your post displays. Short term prices, offered in the market, do not necessarily reflect the future value of a company. In the short term the marke... |
Please explain the relationship between dividend amount, stock price, and option value? | There are a few reason why the stock price decreases after a dividend is paid: What's the point of paying a dividend if the stock price automatically decreases? Don't the shareholders just break even? Companies have to do something with their profits. They beholden to their shareholders to make them money either by in... |
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... |
What is the formula for determining estimated stock price when I only have an earning per share number? | Stock price = Earning per share * P/E Ratio. Most of the time you will see in a listing the Stock price and the P/E ration. The calculation of the EPS is left as an exercise for the student Investor. |
Double-entry accounting: how to keep track of mortgage installments as expenses? | If your mortgage is an interest only one then the full amount of the payment you make should be to an expense account perhaps called mortgage interest. If the mortgage is a repayment mortgage you need to split the amount of the payment between such an expense account called mortgage interest and between a liability acc... |
Why would a restaurant offer a very large cash discount? | Another possible reason for this is to benefit the servers. When patrons pay with a credit card, they usually tip on the credit card too. If patrons are more likely to pay with cash, then the servers will get more cash tips. Even if the restaurant is completely honest with their books, the servers may not be. Having a ... |
What home improvements are tax deductible? | As noted above but with sources An improvement materially adds to the value of your home, considerably prolongs its useful life, or adapts it to new uses. You must add the cost of any improvements to the basis of your home. You cannot deduct these costs. Source Page 11, Adjusted Basis, Improvements Second, A re... |
How does the importance of a cash emergency fund change when you live in a country with nationalized healthcare? | Unanticipated unemployment is usually the triggering factor for drawing on an emergency fund. Ask yourself: what happens if I lose my job tomorrow? Or my spouse becomes unemployed? What happens if I become disabled and can't work for x amount of time? Sure, you can discount your chances of needing such a fund if you ha... |
Why does short selling require borrowing? | Concerning the general problem of short selling and the need to borrow shares to complete the transaction : Selling short is a cash transaction. Unlike a futures contract, where a short seller is entering into a legal agreement to sell something in the future, in the case of short selling a share the buyer of the shar... |
Finding a good small business CPA? | Consult your local Small Business Administration office - they may have resources that can help you find what you're looking for. |
How smart is it to really be 100% debt free? | Keep in mind that you NEED to have a cash reserve. Blindly applying all stray cash to debt reduction is a bad idea. Your lenders do not care about your balance. All they care about is your NEXT payment. It is therefore imperative that you have a cash reserve that can carry these payments for several months. Having... |
When shorting a stock, do you pay current market price or the best (lowest) available ask price? | When you want to short a stock, you are trying to sell shares (that you are borrowing from your broker), therefore you need buyers for the shares you are selling. The ask prices represent people who are trying to sell shares, and the bid prices represent people who are trying to buy shares. Using your example, you cou... |
What am I actually buying when trading in CFDs | CFDs (Contracts for Difference) are basically a contract between you and the broker on the difference in price of the underlying between the time you open a position and close a position. You are not actually buying the underlying. With share CFDs, the outcome is a bit like buying the underlying shares on margin. You p... |
What evidence exists for claiming that you cannot beat the market? | No such evidence exists, because many people do beat the market. And many people fail to earn market rate of return. The way you achieve the former is generally to take risks that also increase the likelihood of the latter. The amount of time and effort you invest may bias that result, but generally risk and potential ... |
For the first time in my life, I'm going to be making real money…what should I do with it? | Your attitude is great, but be careful to temper your (awesome) ambition with a dose of reality. Saving is investing is great, the earlier the better, and seeing retirement at a young age with smooth lots of life's troubles; saving is smart and we all know it. But as a college junior, be honest with yourself. Don't y... |
Tax implications of diversification | (All for US.) Yes you (will) have a realized long-term capital gain, which is taxable. Long-term gains (including those distributed by a mutual fund or other RIC, and also 'qualified' dividends, both not relevant here) are taxed at lower rates than 'ordinary' income but are still bracketed almost (not quite) like ordin... |
Should I invest my money in an ISA or Government bonds? (Or any other suggestion) | So you are off to a really good start. Congratulations on being debt free and having a nice income. Being an IT contractor can be financially rewarding, but also have some risks to it much like investing. With your disposable income I would not shy away from investing in further training through sites like PluralSite... |
Should my husband's business pay my business? | I agree with some of the points of the other answers but why not avoid all the guesswork? I highly recommend you not charge him now. Wait until the end of the year when you have much more information about both of your companies and then you can run the numbers both ways and decide if it would benefit you (collectively... |
Hearing much about Dave Ramsey. Which of his works is best in describing his “philosophy” about money? | His books: The Total Money Makeover - This is a very step by step approach to what he teaches about how to handle money. Financial Peace - This is a more philosophical approach to the same topics. More idea and less application based. You can catch his radio show online for free - or an hour podcast each day in the it... |
Do algorithmic traders make money from short-term or long-term gains? | Algorithmic trading essentially banks on the fact that a price will fluctuate in tiny amounts over short periods of time, meaning the volatility is high in that given time frame. As the time frame increases the efficiency of algorithmic trading decreases and proper investment strategies such as due diligence, stock scr... |
Is there a debit card that earns miles (1 mile per $1 spent) and doesn't have an annual fee? | I don't know of any that are comparable to credit cards. There's a reason for that. Debit cards, being newer, have a much lower interchange rate. Since collecting on debt is risky and less predictable, rewards / miles are paid from those interchange fees. This means with a debit card there's less money to pay you with.... |
How to invest in a currency increasing in value relative to another? | Forex trading contracts are generally fairly short dated as you mention. Months to weeks. Professional forex traders often extend the length of their bet by rolling monthly or quarterly contracts. Closing a contract out a few days before it would expire and reopening a new contract for the next quarter/month. This ... |
Why did the stock chart for Facebook's first trading day show an initial price of $42 when the IPO price was $38? | I'd add, this is actually the way any stock opens every day, i.e. the closing price of the prior day is what it is, but the opening price will reflect whatever news there was prior to the day's open. If you watch the business news, you'll often see that some stock has an order imbalance and has not opened yet, at the n... |
Are buyouts always for higher than the market value of a stock? | 1) Yes, buyouts are always higher than the trading price. 2) ANYTHING can be negotiated. There is no rule saying buyouts have to be higher. |
Conservative ways to save for retirement? | Buy gold, real coins not paper. And do not keep it in a bank. |
Can I use losses from sale of stock to offset capital gains from sale of property | Capital losses from the sale of stocks can be used to offset capital gains from the sale of a house, assuming that house was a rental property the whole time. If it was your principal residence, the capital gains are not taxed. If you used it as both a rental and a principal residence, then it gets more complicated: ... |
Why should we expect stocks to go up in the long term? | Stocks "go up 5-7% every year. This has been true for the last 100 years for the S&P500 index...." This was true in the 20th century in America. It was not true (over the whole century) for other major countries like Germany, Russia, Japan, or China. (It was more or less true for Britain and certain Commonwealth countr... |
Should I really pay off my entire credit card balance each month or should I maintain some balance? | I think you got the message mixed up a little: Racking up big balances can hurt your scores, regardless of whether you pay your bills in full each month. What's typically reported to the credit bureaus, and thus calculated into your scores, are the balances reported on your last statements. (That doesn't mean paying ... |
Is buying a home a good idea? | The New York Times offer a remarkably detailed Buy vs Rent calculator. You enter - From all of this, it advises the break-even rent, when monetarily, it's equal. I'd suggest you keep a few things in mind when using such a tool. Logic, common sense, and a Nobel prize winner named Robert Shiller all indicate that housi... |
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