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Having a separate bank account for business/investing, but not a “business account?” | When I was younger I had a problem with Washington Mutual. Someone had deposited a check in to my account then ran my account negative with a "dupe" of my debit card. WaMu tied up my account for three months while they investigated because it wasn't simply a debit card fraud issue, this was check fraud (so they claim... |
Does an index have a currency? | There's no need for an index to have a currency as its purpose is not to act as an asset but rather to signal investors about the performance of a collection of stocks. An index can be price-weighted, meaning that its value equals the (arithmetic) average of the prices of each stock in the index. With no stock splits, ... |
Pros/Cons of Buying Discounted Company Stock | Is this an employee stock purchase plan (ESPP)? If so, and there is no required holding period, selling right away is essentially a guaranteed bonus with minimal risk. One caveat is that sometimes it takes a while to actually receive the shares at your brokerage, and in the meantime your company may have an earnings re... |
How to find out if I have a savings account already? | If you're in the UK, there's a free service here that lets you trace lost bank accounts. If you're in a different country, try Googling to see if that country has a similar service. |
The doctor didn't charge the health insurance in time, am I liable? | If you read all that paperwork they made you fill out at the emergency room, there is probably something in there explicitly stating that you owe any bills you rack up regardless of what happens with the insurance company. They generally have a disclaimer that filing for you with your insurance company is a courtesy se... |
What's an economic explanation for why greeting cards are so expensive? | It cost a lot of money to pay the poet to make wording, designers/photographers to make the post-cards and miscellaneous staff (Executives, HR, shareholders etc.) These cost are thrown onto the buyers. |
What is the P/E ratio for a company with negative earnings? | When presenting negative P/E values, most brokers and equity analysts show them as "n.m.", which stands for not meaningful. I have never seen a P/E ratio of 0. |
Options on the E-mini S&P 500 Futures at the CME: when were EW3, the weekly Monday options and the weekly Wednesday options introduced? | Why do you care? In any case, you can easily Google the answer... Effective Sunday, April 2, 2017 for trade date Monday, April 3, 2017, and pending all relevant CFTC regulatory review periods, Chicago Mercantile Exchange Inc. (“CME” or “Exchange”) will list Monday Weekly Options on the E-mini Standard and Poor’s St... |
Mutual Fund with Dividends | Generally value funds (particularly large value funds) will be the ones to pay dividends. You don't specifically need a High Dividend Yield fund in order to get a fund that pays dividends. Site likes vanguards can show you the dividends paid for mutual funds in the past to get an idea of what a fund would pay. Growth f... |
Should the poor consider investing as a means to becoming rich? | A cautionary tale: About 25 years ago I decided that I should try my hand at investing in some technology companies. I was in the computer biz but decided that I might suffer from myopia there, so I researched some medical startups. And I did some reasonably good research, given the available resources (the Interne... |
Is Stock Trading legal for a student on F-1 Visa in USA? [duplicate] | You can buy and sell stocks, if you like. You'll have to pay taxes on any profits. And short-term is speculating, not investing, and has high risk |
Pensions, annuities, and “retirement” | With an annuity, you invest directly into an annuity with money you have earned as wages/salary/etc. You pay for it, and trade your payments into the annuity for guaranteed payments from the annuity issuer in the future. The more you pay in before the annuity payments begin, the more you will receive for your annuity p... |
Types of investments with built-in puts or similar safety features | An index annuity is almost the same as Indexed Universal Life, except the equity-index annuity is an investment with a guaranteed minimum return, with sometimes a higher return that is a function of the gain in the stock market, but is not associated with a life insurance policy. After a time, you can convert the EIA ... |
Alternatives to Intuit's PayTrust service for online bill viewing and bill payment? | (Six years later...) I've used CheckFree for over 20 years, and my uncle started using it back in the early 1980s through a 300 baud modem. It has e-bills, EDI bills that you schedule yourself, and will also mail checks to people and small businesses. You can make your payments from an unlimited number of banks, can s... |
Why does the share price tend to fall if a company's profits decrease, yet remain positive? | Aside from the market implications Victor and JB King mention, another possible reason is the dividends they pay. Usually, the dividends a company pays are dependent on the profit the company made. if a company makes less profit, the dividends turn out smaller. This might incite unrest among the shareholders, because t... |
Long term drip (dividend reinvestment plan) stock | If you sold the stock for a profit, you will owe tax on that profit. Whether it is taxed as short-term or long-term capital gains depends on how long you held the stock before selling it. Presumably you're going to invest this money into mutual funds or something of that sort. Those may pay dividends which can be reinv... |
How to prevent myself from buying things I don't want | There are a lot of good answers above, all of them will probably work for you in some way or another. One point to note (from the procrastination theme) is that you could invest your free money that you have currently in some investment instrument which would require you to do some paperwork etc. to get out, this way t... |
Are lottery tickets ever a wise investment provided the jackpot is large enough? | The billion dollar jackpot is a sunk cost, a loss for prior bettors. If you had $250M and could buy every ticket combination, you'd be betting that not more than 4 other tickets will win on the next drawing. Even if 5 won, you'd have all the second place, third place, etc tickets, and would probably break even at worst... |
Will a credit card issuer cancel an account if it never incurs interest? | While technically true, a card issuer can cancel your card for almost any reason they want, it's highly unlikely they'll cancel it because you pay your bills! There are many, many people out there that pay their bills in full every month without ever paying a cent in credit card interest. I wouldn't ever purposefully i... |
What are the opportunities/implications of having a designated clearing bank in my home country? | For an individual there will not be much impact immediately. This arrangement will help Corporates and Banks settle payments more easily. - It would typically help companies dealing with Yuan [Buying or selling to China or Countries that accept Yuan as payment] to make payments at a cheaper cost & in less time. - In th... |
What would happen if the Euro currency went bust? | Krugman (Nobel prize in Economy) has just said: Greek euro exit, very possibly next month. Huge withdrawals from Spanish and Italian banks, as depositors try to move their money to Germany. 3a. Maybe, just possibly, de facto controls, with banks forbidden to transfer deposits out of country and limits on cash withdra... |
Is insurance worth it if you can afford to replace the item? If not, when is it? | As a rule, purchasing fairly priced (minus a spread) insurance on items you can afford to replace is a bad idea. However, in addition to the points mentioned in the previous answers, one should note that many types of insurance are UNDERpriced because on average people do not make claims even though they are entitled t... |
What should I be doing to protect myself from identity theft? | I believe the answer is that to protect yourself it is good to get credit protection so you will be notified when new credit is taken in your name. Also, you can use http://www.annualcreditreport.com/ to look at your credit report. HINT: While you do that, and while you are in the TransUnion report, you will have th... |
Short term parking of a large inheritance? | I am sorry for your loss, this person blessed you greatly. For now I would put it in a savings account. I'd use a high yield account like EverBank or Personal Savings from Amex. There are others it is pretty easy to do your own research. Expect to earn around 2200 if you keep it there a year. As you grieve, I'd ... |
Tax considerations for outsourcing freelance work to foreign country | I took littleadv's advice and talked to an accountant today. Regardless of method of payment, my US LLC does not have to withhold taxes or report the payment as payments to contractors (1099/1042(S)) to the IRS; it is simply a business expense. He said this gets more complicated if the recipient is working in the US (... |
Where should my money go next: savings, investments, retirement, or my mortgage? | I frequently advise to go 401(k) up to the match. With no match, I'm not so sure. If you are in the 15% bracket, I'd skip the 401(k). Your standard deduction is $5800 this year, do you itemize? I ask because the 15% bracket ends at $34,500, and I don't know if you manage enough deductions to get under that. But - I'd... |
What is the incentive for a bank to refinance a mortgage at a lower rate? | It can be a good thing for the bank to refinance your loan for you - since you will be keeping the loan at that particular institution. This gives them more time to enjoy the free money you pay them in interest for the remaining life of the loan. Banks that offer "No closing costs" are betting that mortgage payers wil... |
What does it mean if “IPOs - normally are sold with an `underwriting discount` (a built in commission)” | Also, in the next sentence, what is buyers commission? Is it referring to the share holder? Or potential share holder? And why does the buyer get commission? The buyer doesn't get a commission. The buyer pays a commission. So normally a buyer would say, "I want to buy a hundred shares at $20." The broker would then... |
Trouble sticking to a budget when using credit cards for day to day transactions? | You can fairly simply make a spreadsheet in your favorite spreadsheet application (or in Google Docs if you want portability). I like to make an overview page that shows how much I take in per month and what fixed bills come out of that, then break the remaining total into four to get a weekly budget. Then, I make one ... |
Price Earnings Ratio | The P/E ratio is a measure of historic (the previous financial year) earnings against the current share price. If the P/E is high, this means that the market perceives a big increase in future earnings per share. In other words, the perception is that this is a fast growing company. Higher earnings may also equate to... |
Can company owners use lay offs to prevent restricted stock from vesting before an acquisition? | Depending on your local laws, such a layoff may be an unlawful act. If the whole purpose of the lay-off is to strip the employees of their RSU's, the employer may be liable and get sued. However, you have to check that with a lawyer licensed in your jurisdiction. In many places there are no laws against this. In any ca... |
Do I pay a zero % loan before another to clear both loans faster? | Your goal of wanting to eliminate your debts early is great. Generally, you can save more money by paying off loans with higher interest rates first. However, it sounds like you are excited about the idea of eliminating one of your car loans in two months. There is nothing wrong with that; it is good to be excited abo... |
Are the “debt reduction” company useful? | From what I understand, they basically hold on to your money while you stop paying your debt. They keep it in an account and negotiate on your behalf. The longer you go without paying, the less the debt collector is willing to take and at some point, they will settle. So they take the money you've been putting into t... |
Investment for beginners in the United Kingdom | a) Go to Money super market and compare all the share dealing accounts and choose one to your liking. b) That depends on one's own circumstances. Nobody can be give you any specific strategies without knowing your financial situation, goals and risk averseness. |
When should you use an actively managed mutual fund in a 401k? | By definition, actively managed funds will underperform passive index funds as a whole. Or more specifically: The aggregate performance of all actively managed portfolio of publicly-tradable assets will have equal performance to those of passively managed portfolios. Which taken with premise two: Actively managed funds... |
What would be a wise way to invest savings for a newly married couple? | First, keep about six months' expenses in immediately-available form (savings account or similar). Second, determine how long you expect to hold on to the rest of it. What's your timeframe for buying a house or starting a family? This determines what you should do with the rest of it. If you're buying a house next ye... |
Should I make more conservative investments in my company 401(K) if I'm going to leave the job in a couple of years? | It doesn't make a difference if you will be keeping it in the 401K or transferring it to an IRA, it is still retirement money that you plan on investing for decades. Pre-Enron many employees invested significant amounts of their retirement funds with the employer. One of the risks was that if a single stock was down a... |
Should you always max out contributions to your 401k? | First, the limit this year is $16,500, $22,000 for age 50 or older. Next, does the company give you any match? If so, how much? Some will match your deposits dollar for dollar up to a certain percent of your pay. If you make $50k and deposit say 6%, that's $3k matched by company, for example. This deposit/match is the ... |
How does refinancing work? | A re-financing, or re-fi, is when a debtor takes out a new loan for the express purpose of paying off an old one. This can be done for several reasons; usually the primary reason is that the terms of the new loan will result in a lower monthly payment. Debt consolidation (taking out one big loan at a relatively low int... |
Is sales tax for online purchases based on billing- or shipping address? | The technical answer is defined by the laws of state you live in but most (all?) states with a sales tax have some form of use tax. Where if you buy something in another state for use in your home state you are technically liable for sales tax on it regardless of whether the merchant charged you tax on it or not. I don... |
Can't the account information on my checks be easily used for fraud? | The bottom line is to keep most of your money in accounts with no check privileges and to not give the account numbers for these accounts to anyone. Keep just enough in your checking account for the checks you are going to write. |
Trading: who takes the money from CAC 40 Or DAX | I am guessing that when you say "FRENCH40" and "GERMAN30" you are referring to the main French and German stock market indices. The main French index is the CAC-40 with its 40 constituent companies. The main German index is the DAX, which has 30 constituents. The US30 is presumably the Dow Jones Index which also has ... |
Can a put option and call option be exercised for the same stock with different strike prices? | You could have both options exercised (and assigned to you) on the same day, but I don't think you could lose money on both on the same day. The reason is that while exercises are immediate, assignments are processed after the markets close at the end of each day. See http://www.888options.com/help/faq/assignment.jsp f... |
Does the stock market create any sort of value? | It's not a ponzi scheme, and it does create value. I think you are confusing "creating value" and "producing something". The stock market does create value, but not in the same way as Toyota creates value by making a car. The stock market does not produce anything. The main way money enters the stock market is through ... |
Do I need to pay Income Tax if i am running a escrow service in India | Income Tax would only be levied on the 10% commission that you earn and not on the total amount kept in the Escrow Account. |
How to categorize credit card payments? | Using the Transfer category is the best place to put these categories, as that accurately reflects what the transaction is. If you have your credit card and bank account linked in Mint, the debit and credit to both accounts will net to $0 in the category. I would not recommend using "Hide from budget and trends" as so... |
Trading on exchanges or via brokerage companies? | Yes when I place an order with my broker they send it out to the exchange. - For individual investors, what are some cons and pros of trading on the exchanges directly versus indirectly via brokers? I may be mistaken(I highly doubt it), but from my understanding you cannot trade directly through an exchange as a ret... |
Is there a candlestick pattern that guarantees any kind of future profit? | By definition, there are no guaranteed profits. There are sometimes arbitrage opportunities, which are more accessible to some investors than others. In this case, I'm not referring to HFT as that is covered elsewhere on this site already. At certain times, in certain equity markets, candlestick charts were used for p... |
Why do some people go through contortions to avoid paying taxes, yet spend money on expensive financial advice, high-interest loans, etc? | To some extent, I suppose, most people are okay with paying Some taxes. But, as they teach in Intro to Economics, "Decisions are made on the margin". Few are honestly expecting to get away with paying no taxes at all. They are instead concerned about how much they spend on taxes, and how effectively. The classic defens... |
Why can't I short a stock that sells for less than $5? Is there another way to “go short” on them? | If this is the initial transaction, the rules of a short margin account say that if you shorted 1000 share of ABC at $5/share your credit balance would be $5000 from the short plus you would have to put up yourself $5000 cash or $10,000 of marginal securities. So this is not really leveraging using margin. You have to ... |
What are some examples of unsecured loans | Some other unsecured loans that are common: |
Typical return for an IRA? How can I assess if my returns were decent? | There is no typical return for an IRA. Understand that an IRA is not an investment type, it is just an account that gets special tax treatment by the Federal Government. The money in the IRA could be invested in almost anything including Gold, Stocks, Bonds, Cash, CDs, etc. So the question as phrased isn't exactly mean... |
Can increasing my tax withholding from my full-time job cover FICA taxes for my freelance work? | Technically you owe 'self-employment' taxes not FICA taxes because they are imposed under a different law, SECA. However, since SE taxes are by design exactly the same rates as combining the two halves of FICA (employer and employee) it is quite reasonable to treat them as equivalent. SE taxes (and income tax also) are... |
How can I help others plan their finances, without being a “conventional” financial planner? | You know there is a small group of individuals who focus on strictly planning without implementation. They are not securities licensed (no 7,6,66,63 license) so they cannot sell or discuss securities, but they do put together financial plans to help individuals recover from debt and rework spending/saving strategies. T... |
Tools for comparing costs between different healthcare providers? | When I had a high-deductible healthcare plan, I used http://www.ehealthinsurance.com/ to do comparisons among the plans. As far as comparing the costs of specific procedures across providers, I'm not aware of any good ways either. |
Using Loan to Invest - Paying Monthly Installments by Selling Originally Bought Shares | I will add one point missing from the answers by CQM and THEAO. When you take a loan and invest the proceeds, the interest that you pay on the loan is deductible on Schedule A, Line 14 of your Federal income tax return under the category of Investment Interest Expense. If the interest expense is larger than all your ... |
How can a school club collect money using credit cards? | Large and small universities have procedures in place regarding the use of the universities name, logo, facilities, and budget. They should have in place guidelines regarding the collection and use of funds from members, and participants. These guidelines are what allows you to have an account with the university. Gene... |
What happens to your ability to borrow money based on our joint finances? | The bank will consider total of both parties income for the loan qualification. Provided both parties will be listed on the mortgage. |
If a country can just print money, is global debt between countries real? | Debt can be denominated either in a currency the country controls or a currency the country doesn't control. If the debt is denominated in a currency the country controls then they have the option of "printing their way out of it". That option doesn't come for free, it will devalue their currency on the global market a... |
What factors make someone buy or sell a stock? | why sell? Because the stock no longer fits your strategy. Or you've lost faith in the company. In our case, it's because we're taking our principal out and buying something else. Our strategy is, basically, to sell (or offer to sell) after the we can sell and get our principal out, after taxes. That includes divide... |
Is it possible to trade CFD without leverage? | Generally not, however some brokers may allow it. My previous CFD Broker - CMC Markets, used to allow you to adjust the leverage from the maximum allowed for that stock (say 5%) to 100% of your own money before you place a trade. So obviously if you set it at 100% you pay no interest on holding open long positions over... |
Data source for historical intra-day bid/ask price data for stocks? | FreeStockCharts.com keeps some intra-day trading history. You have to create an account to look up individual stocks. Once you create a free account you can get intra-day trading history for the last month (Hourly for past month, 15 minutes for past week, 1 minute for past day). Going back past one month and it only... |
Why can low volume move a stock price drastically? | In a sense, yes. There's a view in Yahoo Finance that looks like this For this particular stock, a market order for 3000 shares (not even $4000, this is a reasonably small figure) will move the stock past $1.34, more than a 3% move. Say, on the Ask side there are 100,000 shares, all with $10 ask. It would take a lot... |
Is buying a home a good idea? | It certainly seems like you are focusing on the emotional factors. That's your blind spot, and it's the surest path to a situation where your husband gets to say "I told you so". I recommend you steer straight into that blind spot, and focus your studies on the business aspects of buying and owning homes. You shoul... |
How is someone tax exempt at Walmart in Canada? | The short answer is you're tax exempt if the tax laws say you are. There are a bunch of specific exemptions based on who you are, what you're buying and why. Taking British Columbia as an example. One exemption is supplies for business use: Some exemptions are only available to certain purchasers in certain circumstan... |
What traditionally happens to bonds when the stock market crashes? | It depends. Very generally when yields go up stocks go down and when yields go down stocks go up (as has been happening lately). If we look at the yield of the 10 year bond it reflects future expectations for interest rates. If the rate today is very low but expectations are that the short term rates will go up that ... |
Why invest for the long-term rather than buy and sell for quick, big gains? | Every time you buy or sell a share for some price, somebody must have thought that that was exactly the right moment to sell or buy that share at that price (and to trade with you). Every time a trade is made, both sides think they are doing the smart thing. Most of the time, one will turn out to be wrong, the other ri... |
Yahoo Finance shows incorrect data | Yes, I see the same problem. Google's version seems to be correct, however. |
Is there a way I can get bid/ask price data on the NSE in real time? | Buy Data products from NSE. You will get historical order book. The Live order book may not be available. https://www.nseindia.com/supra_global/content/dotex/data_products.htm This link has all the data products that NSE can provide |
UK: Personal finance book for a twenty-something | Public sector and private industry retirement plans, taxation and estate planning would be the most substantial differences between the two countries. The concepts for accumulating wealth are the same, and if you are doing anything particularly lucrative with an above average amount of risk, the aforementioned differen... |
When the Reserve Bank determines the interest rates, do they take the house prices into account? | The Central Banks sets various rate for lending to Banks and Paying interest to Banks on excess funds. Apart from these the Central Banks also sets various other ratios that either create more liquidity or remove liquidity from Market. The CPI is just one input to the Central Bank to determine rate, is not the only de... |
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. |
Confirm Dividend Yield | There are lots of provisos, but in general you are correct. The provisos, off the top of my head: The only fees will be any brokerage fees when you purchase the stock. I haven't seen any handling fees when you get the dividend, but it may depend on how you hold the stock. |
Is 0% credit card utilization worse than 1-20% credit card utilization for any reason other than pure statistics? | Having no utilization makes you an outlier, it's an unusual circumstance for most people, and the scoring model cannot make any predictions based on it. If you think of it from the underwriter's perspective, zero utilization could mean all sorts of things... are you dead? indigent? unable to work? When you buying a pr... |
Why are Rausch Coleman houses so cheap? Is it because they don't have gas? | Not only are they high volume but also most finish materials are very basic. For example lighting fixtures, most builders put ceiling fans in all bedrooms ($75) where Rausch coleman uses a flush mount ($15) in the spare bedrooms. Same with flooring they use a vinyl plank where most builders use wood. This can be $1sqf... |
What percentage of my stock portfolio should be international (non-US) stocks? | Without knowing anything else about you, I'd say I need more information. If all of your investments are in stocks, then that's not really diversified, regardless of how many stocks you own. There are other things to invest in besides stocks (and bonds, for that matter). What countries? "International" is pretty broa... |
What if 40% of the remaining 60% Loan To Value (ratio) is not paid, or the borrower wants to take only 60% of the loan? | I wanted to know that what if the remaining 40% of 60% in a LTV (Loan to Value ratio ) for buying a home is not paid but the borrower only wants to get 60% of the total amount of home loan that is being provided by lending company. Generally, A lending company {say Bank] will not part with their funds unless you first ... |
What are investment options for young married couple with no debt that have maxed out retirement savings? | 4.7 is a pretty low rate, especially if you are deducting that from your taxes. If you reduce the number by your marginal tax rate to get the real cost of the money you end up with a number that isn't far off from inflation, and also represents a pretty low 'yield' in terms of paying off the loan early. (e.g. if you... |
Brent crude vs. USD market value | It's standard to price oil in US$. That means that if the US$ gets stronger, the prices of oil drops even if its "intrinsic value" remains constant. Same thing happens for other commodities, such as gold. Think of the oil price in barrels/$. If the denominator (value of the $) goes up, then the ratio tends to go do... |
Buy securities at another stock exchange | Also important to keep in mind is the difference in liquidity. The stock could be very liquid in 1 exchange but not in another. When times get bad, liquidity could dry up 1 one exchange, which results in a trading discount. |
Want to buy above market price? | Buy and sell orders always include the price at which you buy/sell. That's how the market prices for stocks are determines. So if you want to place a buy order at 106, you can do that. When that order was fulfilled and you have the stock, you can place a sell order at 107. It will be processed as soon as someone places... |
Looking to buy a property that's 12-14x my income. How can it be done? | What options do I have? Realistically? Get a regular full time job. Work at it for a year or so and then see about buying a house. That said, I recently purchased a decent home. I am self-employed and my income is highly erratic. Due to how my clients pay me, my business might go a couple months with absolutely no ... |
Joint Account for Common Earnings | Short Answer: Go to the bank and ask them about your options for opening a business account. Talk to an attorney about the paperwork and company structure and taxes. Long Answer: You and your buddies jointly own an unincorporated business. This is called a partnership. Yes, there is paperwork involved in doing it prope... |
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... |
Corporate Equity Draw vs Income | You tagged with S-Corp, so I assume that you have that tax status. Under that situation, you don't get taxed on distributions regardless of what you call them. You get taxed on the portion of the net income that is attributable to you through the Schedule K that the S-Corp should distribute to you when the S-Corp fil... |
Smart to buy a house in college? | Of course, I know nothing about real estate or owning a home. I would love to hear people's thoughts on why this would or would not be a good idea. Are there any costs I am neglecting? I want the house to be primarily an investment. Is there any reason that it would be a poor investment? I live and work in a college t... |
Why do interest rates increase or decrease? | My answer is specific to the US because you mentioned the Federal Reserve, but a similar system is in place in most countries. Do interest rates increase based on what the market is doing, or do they solely increase based on what the Federal Reserve sets them at? There are actually two rates in question here; the Wikip... |
Working out of India for UK company from 1 Jan 2016 on contract | Work under UK umbrella company. By this you are thinking of creating a new legal entity in UK, then its not a very great idea. There will be lot of paperwork, additional taxes in UK and not much benefit. Ask UK company to remit money to Indian savings bank account Ask UK company to remit money to Indian business ba... |
What choices should I consider for investing money that I will need in two years? | Investing $100k into physical gold (bars or coins) is the most prudent option; given the state of economic turmoil worldwide. Take a look at the long term charts; they're pretty self explanatory. Gold has an upward trend for 100+ years. http://www.goldbuyguide.com/price/ A more high risk/high reward investment woul... |
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... |
Where can I buy stocks if I only want to invest a little bit at a time, and not really be involved in trading? | I don't want to get involved in trading chasing immediate profit That is the best part. There is an answer in the other question, where a guy only invested in small amounts and had a big sum by the time he retired. There is good logic in the answer. If you put in lump sum in a single stroke you will get at a single pr... |
Why would this FHA refinance cause my mortgage insurance payment to increase so much? | In the spring of this year FHA increased their rates for Mortgage Protection insurance. (I am looking for a good refernceon the government website) Non Government reference Annual MIP For an FHA Streamline Refinance that replaces a FHA loan endorsed on, or after, June 1, 2009, the annual MIP varies based on loan type a... |
I carelessly invested in a stock on a spike near the peak price. How can I salvage my investment? | Is there anyway to salvage my investment for short-term? No. If by "salvage" you mean "get back as much as you paid", the only way to salvage it is to wait as long as you consider "short-term" and see if goes up again. If by "salvage" you mean "get some money back", the only thing you can do to guarantee that is sell... |
Shared groceries expenses between roommates to be divided as per specific consumption ratio and attendance | So your whole approach, and the attempt to scale this is flawed. You will alienate roomates, provoke arguments, and make everyone's life more difficult. There are too many variables and unforeseen possibilities. For instance: "Why should I have to pay for Joe to go buy the expensive organic milk when I'm fine with t... |
Does VSMAX invest in smaller companies than FSEVX? | You are comparing apples and oranges: the charts show the capital appreciation excluding dividends. If you include dividends and calculate a total return over that period you see VSMAX up 132% vs. FSEVX up 129%, i.e. quite close. That residual difference is possibly due to a performance difference between the two bench... |
Is there anything I can do to prepare myself for the tax consequences of selling investments to buy a house? | Don't let tax considerations be the main driver. That's generally a bad idea. You should keep tax in mind when making the decision, but don't let it be the main reason for an action. selling the higher priced shares (possibly at a loss even) - I think it's ok to do that, and it doesn't necessarily have to be FIFO? It... |
Should I get cash from credit card at 0% for 8 months and put it on loans? | On the face, this appears a sound method to manage long run cumulative interest, but there are some caveats. Maxing out credit cards will destroy your credit rating. You will receive no more reasonable offers for credit, only shady ones. Though your credit rating will rise the moment you bring the balance back down t... |
How does giving to charity work? | If I donate $10,000 to charity then I can deduct that $10,000 from my income and not pay income taxes on it. So if I make $50,000 a year then I will only pay income taxes on $40,000 instead of $50,000 since I donated $10,000 to charity. This is what is meant when charity contributions are said to be tax deductible. D... |
Is the need to issue bonds a telltale sign that the company would have a hard time paying coupons? | Apple is currently the most valuable company in the world by market capitalisation and it has issued bonds for instance. Amazon have also issued bonds in the past as have Google. One of many reasons companies may issue bonds is to reduce their tax bill. If a company is a multinational it may have foreign earnings that ... |
A calculator that takes into account portfolio rebalancing? | R has really good package that lets you calculate the return of rebalanced portfolios. The package is called: PerformanceAnalytics (see: http://www.inside-r.org/packages/cran/PerformanceAnalytics/docs/Return.portfolio). I quickly wrote a small script for you that lets you do exactly what you want. Code: By default the... |
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