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Why can it be a bad idea to buy stocks after hours? | During market hours, there are a lot of dealers offering to buy and sell all exchange traded stocks. Dealers don't actually care about the company's fundamentals and they set their prices purely based on order flow. If more people start to buy than sell, the dealer notices his inventory going down and starts upping the... |
How do I figure out the market value of used books? | Text Book values drop rather rapidly and fluctuate quite a bit based on when you are selling (January and August-September when semesters generally start) them. I generally sell my old text books on Amazon for 10-15% less than the peak price over the last 6 months or a year if that much data is available (I use camelca... |
Was this bill forgotten by a medical provider, and do notices need to be sent before collections? | check the DATE OF SERVICE on all your invoices carefully. It's possible you actually DID pay already. Sometimes when a medical provider gets "mostly" paid by a third party insurer, they just drop the (small) remainder, as it's more cost than it's worth if it is a trivial amount. Alternatively, they wait until you sho... |
Are there any other considerations for bonus sacrifice into Pension (UK) | The pension is indeed the clear winner and you haven't missed anything. It's easiest to just compare everything in current numbers as you've done and ignore investment opportunities. Given you expect to pay off your student loan in full, you should consider the repayment as a benefit for you too, so the balance is betw... |
Should I pay off my credit card online immediately or wait for the bill? | It is COMPLETELY no use to pay earlier (during a billing cycle) to better your credit score! Your credit score gets affected ONLY once a month from each creditor, and that happens when they post your monthly statement. Thus, no matter what you do or pay and how many times a month or how many days earlier than your due ... |
How exactly could we rank or value how “rich” a company brand is? | Matt explains the study numbers in his answer, but those are the valuation of the brand, not the value of the company or how "rich" the company is. Presuming that you're asking the value of the company, the usual way for a publicly traded company to be valued is by the market capitalization (1). Market capitalizatio... |
Buying an investment property in Australia - what are the advantages and disadvantages of building a house vs buying an existing one? | When buying investment properties there are different levels of passive investment involved. At one end you have those that will buy an investment property and give it to a real estate agent to manage and don't want to think of it again (apart from watching the rent come in every week). At the other end there are thos... |
How do ETF fees get applied? | The ETF price quoted on the stock exchange is in principle not referenced to NAV. The fund administrator will calculate and publish the NAV net of all fees, but the ETF price you see is determined by the market just like for any other security. Having said that, the market will not normally deviate greatly from the NA... |
Buying a more expensive house as a tax shelter (larger interest deduction)? | Two points You don't really get the full 10,000 annual interest as tax free income. Well you do, but you would have gotten a substantial amount of that anyway as the standard deduction. ...From the IRS.... Standard deduction The standard deduction for married couples filing a joint return is at $11,900 for 2012. The s... |
Higher auto insurance costs: keep car or switch to public transit? | I'm guessing Toronto? Sell the car! Use public transit. Save a ton of money. You can always rent a car for the day or weekend (or use a service like Uber) when necessary at a fraction of the cost of car ownership, and feel good about it! |
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 ... |
High-risk investing is better for the young? Why? | What is the importance or benefit of the assumption that high-risk is preferable for younger people/investors instead of older people? Law of averages most high risk investments [stocks for examples, including Mutual funds]. Take any stock market [some have data for nearly 100 years] on a 15 year or 30 years horizon, t... |
What things are important to consider when investing in one's company stock? | You really have asked two different questions here: I'm interested in putting away some money for my family Then I urge you to read up on investing. Improving your knowledge in investing is an investment that will very likely pay off in the long-term - this can't be answered here in full length, pointers to where to st... |
Buying insurance (extended warranty or guarantee) on everyday goods / appliances? | Most of the consumer products that you buy at retail these days are commodity priced, and have been for a long time. Margins are thin, so if there are retail salespeople milling about, their compensation isn't coming from the TV or computer with a 6% gross margin. It comes from the extended warranty programs (which are... |
Why is it possible to just take out a ton of credit cards, max them out and default in 7 years? | I should apply for everything I can on the same day, get approved for as many as I can First it may not sound as easy. You may hardly get 2-3 cards and not dozens. Even if you submit the applications the same day; If you still plan this and somehow get too many cards, and draw huge debt, then the Banks can take this se... |
Are Certificates of Deposit worth it compared to investing in the stock market? | If you want to spend all of your money in the next few years, then a CD protects you from the risk of a bear market. however, if your time horizon is longer than 10 years, then the stock market is a better bet, since it is less effected by inflation risk. also, as you point out average stock returns are much higher, ig... |
Do I need to own all the funds my target-date funds owns to mimic it? | Over time, fees are a killer. The $65k is a lot of money, of course, but I'd like to know the fees involved. Are you doubling from 1 to 2%? if so, I'd rethink this. Diversification adds value, I agree, but 2%/yr? A very low cost S&P fund will be about .10%, others may go a bit higher. There's little magic in creating ... |
How does selling rights issues work in practice? | Do you simply get call options you can sell on an options exchange? No, you don't get call options that you can sell on an options exchange. Rather, you get rights that you can (generally) sell on the stock exchange. The right issue is in essence a call option – in that it behaves like one, but it is not considered a s... |
Renting out rooms in my home, what's the proper way to deal with utilities for tax purposes? | It's the same result either way. Say the bills are $600, and you are reimbursed $400. You'd be able to write off $400 as part of the utilities that are common expenses, but then claim the $400 as income. I'd stick with that, and have contemporaneous records supporting all cash flow. You also can take 2/3 of any other... |
What types of receipts do I need to keep for itemized tax deductions? | I err on the side of saving all of mine for a while. Just toss them in a box at least. A years' worth is about the size of a shoebox. I started doing this because one year, about a week after I tossed my receipts for the year, I realized that I had a fair bit of allotment left on my flexible savings account to use up... |
Hobby vs. Business | You can list it as other income reported on line 21 of form 1040. In TurboTax, enter at: - Federal Taxes tab (Personal in Home & Business) - Wages & Income -“I’ll choose what I work on” Button Scroll down to: -Less Common Income -Misc Income, 1099-A, 1099-C. -The next screen will give you several choices. Choose "Oth... |
Can we estimate the impact of a large buy order on the share price? | If you look at a trade grid you can see how this happens. If there are enough bids to cover all shares currently on the sell side at a certain price, those shares will be bought and increased price quotes will be shown for the bids and ask. If there are enough bids to cover this price, those will get bought and higher ... |
What kinds of information do financial workers typically check on a daily basis? | In addition to the information in the other answer, I would suggest looking at an economic calendar. These provide the dates and values of many economic announcements, e.g. existing home sales, durable orders, consumer confidence, etc. Yahoo, Bloomberg, and the Wall Street Journal all provide such calendars. Yahoo prov... |
Moving 401k balance into self-directed IRA | Your question asks "how" but "if" may be your issue. Most companies will not permit an external transfer while still employed, or under a certain age, 55 or so. If yours is one of the rare companies that permits a transfer, you simply open an IRA with the broker of your choice. Schwab, Fidelity, eTrade, or a dozen oth... |
Is it better to ask for a raise before a spin-off / merger or after? | Corporate restructuring makes everything a flux, so you might as well revisit some core fundamental questions. Here's how to do this professionally: Start floating your CV now. Line up interviews in competing companies. Attend to them. Score a job offer, and have it put into writing, with exact salary, which should be ... |
How do currency markets work? What factors are behind why currencies go up or down? | From my limited experience with foreign exchange... Money is a commodity.. people buy it and sell it like other products.. if "money" is in demand the price goes up.. this is the case when a countries stocks are hot, and you need to purchase that countries currency to buy that stock... I've also seen the currency rise ... |
What happens to options if a company is acquired / bought out? | A lot may depend on the nature of a buyout, sometimes it's is for stock and cash, sometimes just stock, or in the case of this google deal, all cash. Since that deal was used, we'll discuss what happens in a cash buyout. If the stock price goes high enough before the buyout date to put you in the money, pull the trig... |
Difference between Vanguard sp500 UCITS and Vanguard sp500 | The main difference is that VOO trades on US stock exchanges while VUSA/VUSD trade on the London Stock Exchange. (VUSA is listed in British pounds while VUSD is listed in US dollars.) They are essentially the same product, but the fees and legal hurdles for a European citizen to trade on the LSE may be quite different... |
In what state should I register my web-based LLC? | I would prefer to see you register in your home state, and then focus on making money, rather than spending time looking to game the system to save a few bucks. People worry way too much about these trivial fees when they should be focused on making their business successful. Get registered, get insurance, and then p... |
How can I improve my credit score if I am not paying bills or rent? | So you work, and give a small irregular amount to you parents. You live with very low expenses. Assuming you make a bit below the average salary in the UK, you should be able to save around £1000. If you found a part time job could you save double? I bet you could. So why do you need credit? Why do you need a cred... |
Ethics and investment | There are the Dow Jones Sustainability Indices. I believe the reports used to create them are released to the public. This could be a good place to start. |
Why would you ever turn down a raise in salary? | Sometimes it's not entirely about take-home pay. A pay raise can affect other things like: These things need to be considered since they also affect quality of life. |
Can ETF's change the weighting of the assets they track | They can rebalance and often times at a random manager's discretion. ETF's are just funds, and funds all have their own conditions, read the prospectus, thats the only source of truth. |
Why is it rational to pay out a dividend? | Paying out dividends and financing new projects with debt also lessens the agency problem. The consequences of a failed project are greater when debt is used, so the manager now has a greater incentive to see that the project is a success. This, in addition to the paid divided is a benefit to the shareholder. If equity... |
Why don't share prices of a company rise every other Friday when the company buys shares for its own employees? | Pre-Enron many companies forced the 401K match to be in company shares. That is no longer allowed becasue of changes in the law. Therefore most employees have only a small minority of their retirement savings in company shares. I know the ESOP and 401K aren't the same, but in my company every year the number of partici... |
How does delta of an option change with time if underlying price is constant? | So, this isn't always the case, but in the example provided the option is most likely in the money or near the money since the delta is nearly 1 - indicating that a $1 move in the underlying results in a $0.92 move in the option - this will happen when the expiration is very far out or the option is in the money. As ex... |
Advantages of Shareholder over Director in new Company | I know the general principles of acting as a director in a company, and am familiar with the rights of shareholders. In the last ten years or so, I believe Australia has introduced legislation that strongly punishes those directors who do not act in a professional or prudent manner. While I will of course attempt to fu... |
What are the pitfalls of loaning money to friends or family? Is there a right way to do it? | There are two levels to consider here: That said, before loaning/giving anyone money ask yourself if it is good for them. If they have problems managing their money, or holding down a job, and you give them money, they are just going to come back for more later. In this type of situation, you shouldn't give/loan them... |
Are Index Funds really as good as “experts” claim? | Simply put, you cannot deterministically beat the market. If by being informed and following all relevant news, you can arrive at the conclusion that company A will likely outperform company B in the future, then having A stocks should be better than having B stocks or any (e.g., index based) mix of them. But as the wh... |
What are investment options for young married couple with no debt that have maxed out retirement savings? | You can't max out your retirement savings. There are vehicles that aren't tax-advantaged that you can fund after you've exhausted the tax-advantaged ones. Consider how much you want to put into these vehicles. There are disadvantages as well as advantages. The rules on these can change at any time and can make it ha... |
How can I get a mortgage I can't afford? | Save up a bigger downpayment. The lender's requirement is going to be based on how much you finance, not the price of the house. |
Buying from an aggressive salesperson | From your question and how you have framed it, I get you find Agressive Sales tactics disturb the buying process for you. ;) I understand because I also find the whole process of Research / Negotiating / Buying / Owning / Using is all on one continuum, so anything that ruins the process will likely lose the sale or enj... |
What is the minimum lot size (number of shares) for the London Stock Exchange? | Good question! It seems to me that there is no minimum order size for shares trading on the LSE. Please note, I couldn't find an definite answer, but: According to the "International Order Book" document (see: http://www.londonstockexchange.com/traders-and-brokers/rules-regulations/change-and-updates/stock-exchange-not... |
Are lottery tickets ever a wise investment provided the jackpot is large enough? | According to a financial adviser I spoke to, lottery is the riskiest of investments, whereas cash is the safest. Everything else falls between these 2 extremes. |
How Do Scammers / Money Launderers Profit From Loans To Victims | What was the true reason they wanted to use my accounts for? We wouldn't know the true reason. The scammer can do multiple things. What exactly he would do in your case ... I am very eager to know what a person was up to who would give to me so much information about themselves. I know some of you will jump on the chan... |
Using credit cards online: is it safe? | Why do online services ask for all those CVV codes and expiration date information, if, whenever you poke the card out of your wallet, all of its information becomes visible to everyone in the close area? What can I do to secure myself? I'd guess that's to protect the card company, not you. The number of the card is g... |
Can Health-Releated Services be a Business Expense? | Chris, since you own your own company, nobody can stop you from charging your personal expenses to your business account. IRS is not a huge fan of mixing business and personal expenses and this practice might indicate to them that you are not treating your business seriously, and it should classify your business as a h... |
Mutual Fund with Dividends | There are two independent sets of terms we need to define in order to answer your question. I am trying to understand the difference between Value, Blend, and Growth These are different categories of mutual funds: Value: discounted or undervalued stocks. This is often measured by a difference between the stock's price... |
Why doesn't change in accounts receivable on balance sheet match cash flow statement? | QUICK ANSWER What @Mike Haskel wrote is generally correct that the indirect method for cash flow statement reporting, which most US companies use, can sometimes produce different results that don't clearly reconcile with balance sheet shifts. With regards to accounts receivables, this is especially so when there is a ... |
Schwab wants to charge me interest on the money I received for selling TSLA short | I agree with Mark. I was quite confuse about the short position at first but then I did a lot of learning and found out that as long as you have enough cash to cover your margin requirement you do not pay any interest since you do not have a debit on your margin balance. This is not true for a long position though, s... |
How and where to get the time series of the values USDEUR? | The Federal Reserve Bank publishes exchange rate data in their H.10 release. It is daily, not minute by minute. The Fed says this about their data: About the Release The H.10 weekly release contains daily rates of exchange of major currencies against the U.S. dollar. The data are noon buying rates in New York for c... |
Would parking at a parking lot near or in my residence prevent me from paying for it with my transit FSA? | No, it doesn't look like you can use the employee benefit to pay for parking near your home. The definition for "qualified parking" is in the Internal Revenue Code Section 132 ("Certain Fringe Benefits") (f) (5) (c): (C) Qualified parking The term “qualified parking” means parking provided to an employee on or near the... |
Debit card for minor (< 8 y.o.) | It seems the age restriction for the Capital One MONEY account has been removed; I just read the entire terms and conditions and there's no minimum age requirement. I just finished opening Capital One MONEY accounts for a child who is <5 and a child <8. Both now have activated debit cards and online access. Their accou... |
Is 0% credit card utilization worse than 1-20% credit card utilization for any reason other than pure statistics? | you can relate everything on a credit report, and how things are calculated, to life scenarios. thats a 100% fact, and thats what people need to go by when designing their credit dicipline/diet. utilization: any kind of resource in life. water, food, energy, and etc. who would you want to live with more, the guy that j... |
How do I hedge stock options like market makers do? | Buying the underlying asset will not completely hedge you, only what lies above 155 dollars (strike + price of option) - you still have the risk of losing everything but 5. You have a maximum earnings-potential of 55 dollars (strike of 150 - investment of 100 + option of 5) but you have a risk of losing 95$ (investment... |
Home Valuation in a Dodgy neighborhood | Bad areas are tough to value as a owner-occupied property, because the business model for being a slumlord is to rent apartments in absentia, usually to tenants receiving goverment subsidies such as Section 8 vouchers. The vouchers are based on a prevailing rent, which are often on par with nice suburban apartment comp... |
How to make use of EUR/USD fluctuations in my specific case? | Remember that converting from EU to USD and the other way around always costs you money, at least 0.5% per conversion. Additionally, savings accounts in EU and USA have different yields, you may want to compare which country offers you the best yields and move your money to the highest yielding account. |
What increases your chance of being audited? | Here's a few things: |
Which banks have cash-deposit machines in Germany? | In my experience Sparkasse or VR Bank have them quite often. They stick out in my mind because when you make a withdrawal you have to reach in to get your money instead of it spitting it out. I'm always afraid its going to chop my hand off. |
Saving $1,000+ per month…what should I do with it? | In your situation I suggest: In terms of what to spend it on, one tax preparer I knew said he would ask his wealthy clients (ones with real net worth) what they spent their money on, and it was almost always travel. We agree, memories from our trips are ones that last a lifetime. I can't say much else you buy gives y... |
Why are real-term bond yields systematically declining, and what does it mean for investors? | On a longer time scale, the plot thickens: It almost looks random. A large drop in real rates in the mid-70s, a massive spike in the early 80s, followed by a slow multi-decade decline. The chaos doesn't seem to be due to interest rates. They steadily climbed and steadily fell: All that's left is inflation: First, ... |
When I google a ticker like XLE or something, I see a price which updates frequently (about every second or so), where can I find this for options? | You probably will not find to many places if any that give you live quotes on options because for the general public there is not that high of a demand. Most people do not even know what stock options are. You can get update on some sites like CNBC, but you will have refresh constantly to get the latest option prices.... |
What is a Master Limited Partnership (MLP) & how is it different from plain stock? | My question is: absent the corporate shield, to what extent are partners liable for a serious disaster or accident such as the BP Gulf incident. IN other words, if an oil pipeline had a major spill or explosion in which there were serious liabilities, to what extent would this effect the owners of a listed partnership ... |
Query regarding international transaction between governments | $USD, electronic or otherwise, are not created/destroyed during international transactions. If India wants to buy an F-16s, at cost $34M USD, they'll have to actually acquire $34M USD, or else convince the seller to agree to a different currency. They would acquire that $34M USD in a few possible ways. One of which is ... |
Can my employer limit my maximum 401k contribution amount (below the IRS limit)? | Highly Compensated Employee Rules Aim to Make 401k's Fair would be the piece that I suspect you are missing here. I remember hearing of this rule when I worked in the US and can understand why it exists. A key quote from the article: You wouldn't think the prospect of getting money from an employer would be nerve-w... |
What are some simple techniques used for Timing the Stock Market over the long term? | I can think of a few simple and quick techniques for timing the market over the long term, and they can be used individually or in combination with each other. There are also some additional techniques to give early warning of possible turns in the market. The first is using a Moving Average (MA) as an indication of wh... |
What are my options to deal with Student Loan debt collectors? | You have not specified what country you are in. That radically changes everything. In case you are in Canada, there's a great blog that covers bankruptcy and student loans, at http://student-loan-bankruptcy.ca/. Fundamentally, in order to discharge government-backed student loans, you must have ceased to be a student f... |
Advantages/Disadvantages to refinancing online? | For what its worth, I recently closed on a 30 year refinance mortage with an agent I found through Zillow. The lender has a perfect 5/5 reputation score, whose office was located within 5 miles of my house, and as suggested by justkt on MrChrister's response, I checked out the business on the better business bureau an... |
Best way to invest money as a 22 year old? | Hopefully this $1000 is just a start, and not the last investment you will ever make. Assuming that, there are a couple of big questions to consider: One: What are you saving for? Are you thinking that this is for retirement 40 or 50 years from now, or something much sooner, like buying a car or a house? You didn't say... |
Will prices really be different for cash and cards? | I would say minimal price differences. Stores will need to remain competative, and the difference (if any) will likely be to cover the cost of the transaction that Visa and other card companies charge them. |
In general, is it financially better to buy or to rent a house? | Which is generally the better option (financially)? Invest. If you can return 7-8% (less than the historical return of the S&P 500) on your money over the course of 25 years this will outperform purchasing personal property. If you WANT to own a house for other reason apart from the financial benefits then buy a house.... |
Is there anything comparable to/resembling CNN's Fear and Greed Index? | Lipper publishes data on the flow of funds in / out of stock and bond funds: http://www.lipperusfundflows.com Robert Shiller works on stock market confidence indices that are published by Yale: http://som.yale.edu/faculty-research/our-centers-initiatives/international-center-finance/data/stock-market-confidence |
Why does the Fed use PCE over CPI? | The reason is in your own question. The answer is simple. They use that code to tax the product otherwise it would just be out of pocket expenses. |
Are Index Funds really as good as “experts” claim? | Two main points to answer this in my opinion. First, most people don't start with say half a million dollar to buy all the stocks they need in one shot but rather they accumulate this money gradually. So they must make many Buys in their lifetime. Similarly, most people don't need to withdraw all their investment in on... |
Are binary options really part of trading? | As far as I have read, yes binary option is a part of trading. I saw tutorials on many sites like investopedia.com , verifyproducts.com etc. which clearly shows that in binary options, trader has to take a yes or no position on the price of any underlying asset and the resulting payoff will be either all or nothing. Du... |
Which types of insurances do I need to buy? | It sounds like you're putting all your extra money into insurances because you feel that one can never have too much insurance. That's a very bad idea, financially. Basically it means you'll end up giving your money away to insurance companies in order to satisfy that feeling. Do realize that the expected value of ever... |
Ideal investments for a recent college grad with very high risk tolerance? | I am in a very similar situation as you (software engineer, high disposable income). Maximize your contributions to all tax-advantaged accounts first. From those accounts you can choose to invest in high risk funds. At your age and date-target funds will invest in riskier investments on your behalf; and they'll do it w... |
What is the fair value of a stock given the bid and ask prices? Is there such a relationship? | If you need to show that the sale/purchase was at FMV, then showing that you made a trade on a public exchange with an unrelated counterpart is enough to establish FMV. However, this is only one of the possible "fair market value" definitions. This is usually used to determine basis or value for tax purposes. For valua... |
Is there a standard check format in the USA? | Nope, anything is that has the required information is fine. At a minimum you need to have the routing number, account number, amount, "pay to" line and a signature. The only laws are that it can't be written on anything illegal, like human skin, and it has to be portable, not carved on the side of a building ( for ex... |
Can you explain the mechanism of money inflation? | In simple terms, inflation is a result of too much money chasing too few goods, i.e. there is an imbalance between demand and supply. The demand exceeds the supply. With all other things being constant it leads to increase in price, i.e. inflation. |
Why is gold not a good investment? | If you buy a gold brick and put it in a pillow, after one year you still have one gold brick. People may value it more than before or less then before, but it's still the one gold brick you had. If you buy a cow and put it on a pasture, after one year you have a fatter cow and plenty of milk. You now have more of the c... |
High expense ratio funds - are they worth it? | The 10 year comparison between your fund and the S&P 500 - I'd say more, but not sure it's needed. |
A check I received was lost. My options? | Lost checks happen occasionally, and there are procedures in place (banking & business) to handle the situation. First and foremost you need to: Note: The money is legally yours, so the company is obligated to work with you here. If they refuse to cancel or reissue the check, at a minimum you'll want to contact the s... |
Calculate a weekly payment on a loan when payment is a month away | You'd have to look at the terms of the loan to be sure, but if the interest compounds weekly then you'd have to calculate the effect of 3 compounding periods, then compute for weekly payments. The balance after 3 weeks would be: Using Excel's PMT function for that principal balance, I get a weekly payment of $189.48. ... |
Where should I invest to hedge against the stock market going down? | If you believe the stock market will be down 20-30% in the next few months, sell your stock holdings, buy a protective put option for the value of the holdings that you want to keep. That would be hedging against it. Anything more is speculating that the market will fall. |
How does high frequency trading work if money isn't available for 2-3 days after selling? | As previously answered, the solution is margin. It works like this: You deposit e.g. 1'000 USD at your trading company. They give you a margin of e.g. 1:100, so you are allowed to trade with 100'000 USD. Let's say you buy 5'000 pieces of a stock at $20 USD (fully using your 100'000 limit), and the price changes to $20... |
Avoiding Capital Gains Long Term | Yes, you could avoid capital gains tax altogether, however, capital gains are used in determining your tax bracket even though they are not taxed at that rate. This would only work in situations where your total capital gains and ordinary income kept you in the 0% longterm capital gains bracket. You can't realize a mi... |
Merits of buying apartment houses and renting them | I am not going to argue the merits of investing in real estate (I am a fan I think it is a great idea when done right). I will assume you have done your due diligence and your numbers are correct, so let's go through your questions point by point. What would be the type of taxes I should expect? NONE. You are a real ... |
Can my company buy my personal debt? | When your debt is forgiven, you have to consider the amount written off as an ordinary income item (with the exclusion of the debt originated from the purchase of primary home). If you're trying to write the debt off from your taxes - then it won't work. Even if you can expense the debt forgiveness, you will incur tax ... |
Main source of the shares/stocks data on the web | To expand on keshlam's answer: A direct feed does not involve a website of any kind. Each exchange publishes its order/trade feed(s) onto a packet network where subscribers have machines listening and reacting. Let's call the moment when a trade occurs inside an exchange's matching engine "T0". An exchange then publi... |
Are cashiers required to check a credit card for a signature in the U.S.? | Per their merchant agreements, Visa and MasterCard say that the signature on the back of the card is the proper way to identify the card holder. If a card is not signed, the merchant is supposed to check your ID and make you sign the card before accepting it for payment. Merchants are not allowed the require an ID fo... |
Should I try to negotiate a signing bonus? | You asked about a signing bonus and were told the conditions that would be required to get one. It does not appear that you will qualify, but you do have another option. Ask if you can start earlier. Some times they can't change the start date. They might have a contractual issue with the customer and the customer is s... |
Why is auto insurance ridiculously overpriced for those who drive few miles? | There is plenty of over-rationalisation in the majority of these answers, when the simple answer is that it is simply down to statistics. Say an insurer had two pieces of information about two separate drivers: annual mileage, and whether they had had an accident in the last 3 years. Driver A drives 10,000 miles a year... |
If I deposit money as cash does it count as direct deposit? | As RonJohn points out, direct deposit is something very different. What's going on here is that they are trying to exclude the "customers" that open the account simply for the premium and then close it again as soon as the terms of the offer have been met. Most people have only one regular source of direct deposit mo... |
Higher auto insurance costs: keep car or switch to public transit? | I've lived this decision, and from my "anecdata": do #3 I have been car-free since 2011 in a large United States city. I was one month into a new job on a rail line out in the suburbs, and facing a $3000 bill to pass state inspection (the brakes plus the emissions system). I live downtown. I use a combination of tra... |
Other than being able to borrow to invest, how is a margin trading account different from a cash account? | Two more esoteric differences, related to the same cause... When you have an outstanding debit balance in a margin the broker may lend out your securities to short sellers. (They may well be able to lend them out even if there's no debit balance -- check your account agreement and relevant regulations). You'll never... |
My friend wants to put my name down for a house he's buying. What risks would I be taking? | That "something" you are signing means you are liable for the mortgage payments - yes, all of them - if he can't or won't pay at any point. The limit on what the bank will lend him based on his salary is there for a reason - they don't expect him to be able to keep up repayments if they lend him more (or more precisel... |
How long do you have to live somewhere to be a resident for tax purposes? | It's not so much about time but about intent. If your intent is to move there permanently, it would be when you arrive in the state for the purposes of living there (i.e. not from a while before that when you went to check a place out or for an interview). I believe that most (if not all) states expect you to get a D... |
Can I buy put options on an ADR? | Some ADRs have standardized options that trade on US exchanges. If your stock/ADR is one of those, then you find the put option through most brokerages that deal with stock options and trade the option like you would on a regular stock. If your ADR does not have standardized options, then your options will depend on ... |
Can I pay off my credit card balance to free up available credit? | Banks only send your balance to credit bureaus once a month; usually a few days after your statement date. Thus, as long as your usage is below 10% in that date range, you're ok. Regarding paying it off early: sure. Every Sunday night, I pay our cards' charges from the previous week. (The internet makes this too eas... |
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