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Purchasing ETFs when (pretty much) everything else is maxed out | Most ETFs are index funds, meaning you get built in diversification so that any one stock going down won't hurt the overall performance much. You can also get essentially the same index funds by directly purchasing them from the mutual fund company. To buy an ETF you need a brokerage account and have to pay a transacti... |
New to investing — I have $20,000 cash saved, what should I do with it? | I don't agree with others regarding paying off debt ASAP. You only have auto loan and auto loans are actually good for your credit score. With a mere $6k balance, it is not like you are going to have a problem paying off the loan. Not only that you will build your credit score and this will come in handy when you are p... |
Understanding Gift taxes for mortgage downpayment | You are using interchangeably borrow/loan and gift. They are very different. For the mortgage company, they would prefer that the money from friends and family be a gift. If it is a loan, then you have an obligation to pay it back. If they see money added to your bank accounts in the months just before getting the loa... |
Which is better when working as a contractor, 1099 or incorporating? | If you start an LLC with you as the sole member it will be considered a disregarded entity. This basically means that you have the protection of being a company, but all your revenues will go on your personal tax return and be taxed at whatever rate your personal rate calculates to based on your situation. Now here i... |
Strategies for putting away money for a child's future (college, etc.)? | Being in the same situation, and considering that money doesn't need to be available until 2025, I just buy stocks. I plan to progressively switch to safer options as time passes. |
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... |
What happens when a calendar spread is assigned in a non-margin account? | I would think that a lot of brokers would put the restriction suggested in @homer150mw in place or something more restrictive, so that's the first line of answer. If you did get assigned on your short option, then (I think) the T+3 settlement rules would matter for you. Basically you have 3 days to deliver. You'll ge... |
Is the best ask price the ask at the “top” of the order book? What is the “top” of the book? | The best ask is the lowest ask, and the best bid is the highest bid. If the ask was lower than the bid then they crossed, and that would be a crossed market and quickly resolved. So the bid will almost always be cheaper than the ask. A heuristic is that a bid is the revenue of the stock at any given time while the ask... |
Why is everyone saying how desperately we need to save money “in this economy”? | Saving some money for the future is a good idea. But how much to save is a tough question. I retired with a small fraction of what the experts said I would need. Three years later, I can confidently say I did not even need what I had saved. |
A guy scammed me, but he gave me a bank account number & routing number. Can I use that to take out what he owes me? | OK, reading between the lines here it looks like the services offered by your company are of an "adult" (possibly illegal?) nature and that this individual has actually paid you in full for the services rendered up to this point. The wrinkle here is that you say that you've been offered large cash "gifts" in return for... |
How can I tell what is “real” Motley Fool advice? | These advertisements try to take advantage of the short term memory loss of older people. If you keep an old person watching long enough they will forget why they started watching in the first place. Yet they trust themselves and assume that it was for a good reason. So the long winded salespitch succeeds with older pe... |
How to evaluate an annuity | Guaranteed 8.2% annual return sounds too good to be true. Am I right? Are there likely high fees, etc.? You're right. Guaranteed annual return is impossible, especially when you're talking about investments for such a long period of time. Ponzi (and Madoff) schemed their investors using promises of guaranteed return ... |
Stock Option Value correlated to net worth of company | There are a LOT of variables at play here, so with the info you've provided we can't give you an exact answer. Generally speaking, employee options at a startup are valued by a 409a valuation (http://en.wikipedia.org/wiki/Internal_Revenue_Code_section_409A) once a year or more often. But it's entirely possible that t... |
W8-BEN for an Indian Citizen | According to the Form W-8BEN instructions for Part II, Line 10: Line 10. Line 10 must be used only if you are claiming treaty benefits that require that you meet conditions not covered by the representations you make on line 9 and Part III. For example, persons claiming treaty benefits on royalties must complete this... |
Who can truly afford luxury cars? | A used luxury car coming out of lease is usually very affordable. They are usually in good condition, still look relatively new, and are within the same price range as a newer Toyota or Honda. |
If a stock has only buyers and no sellers how does its price go up? | Depending on what currency the price is quoted in and is originally sold, currency fluctuation can also carry over onto the price in your currency. An example for that would be bitcoin prices which sometimes show heavy ups and downs in one currency, but seem totally stable in another and can be tracked back to changed ... |
Principal 401(k) managed fund fees, wow. What can I do? | Would anything happen if you bring this issue to the attention of the HR department? Everyone in the company who participates in the 401(k) is affected, so you'd think they'd all be interested in switching to a another 401k provider that will make them more money. |
Including the region where you live in your investment portfolio? | Diversification is just one aspect in an investment portfolio. The other aspects in Investment are Risk Taking Ability, Liquidity, Local Regulations, Tax benefits, Ease & Convenience, Cost of carrying out transactions etc. Investing in other regions is prone FX risk and other risks depending on the region of investment... |
Benefits of Purchasing Company Stock at a Discount | If your purchases are done at year end, but the money withheld over that 12 month period, the 17% return is for an average time of 6 months, and the return annualizes to 38% or so. All due respect to Alex B, the return would be 100/85 as he states, if the investment were funded in January and sold in December. But this... |
Why is property investment good if properties de-valuate over time? | When you buy a property the house or the building goes down in value every year (it gets depreciated) similar to when you drive a new car out of the lot. However, it is the land that increases in value over time. As land becomes scarcer the value of land in that area will increase in value, as does land in sought after... |
Is there an advantage to keeping a liquid emergency fund if one also has an untapped line of credit? | An emergency fund is your money, sitting in a bank, that you can use for emergency purposes. A line of credit is somebody else's money, that they've provisionally promised to let you borrow. But they can change their mind at any time. |
15 year mortgage vs 30 year paid off in 15 | Your calculations are correct if you use the same mortgage rate for both the 15 and 30 year mortgages. However, generally when you apply for a 15 year mortgage the interest rate is significantly less than the 30 year rate. The rate is lower for a number of reasons but mainly there is less risk for the bank on a 15 ye... |
Is losing money in my 401K normal? | Depends on how the money is invested within the 401k... but in general, prices move both up and down with a long-tem bias toward up. Think of it this way: with fund shares priced lower now, you are getting shares cheaper than when you entered the plan. So this dip is actually working in your favor, as long as you are ... |
Should I sell a 2nd home, or rent it out? | Option A - you sell the house and then use the money to pay off a portion of your second mortgage. The return on that investment is 5.5% a year, or $1925 net. Option B - you rent it out, that will bring you $5220 (435 x 12), more than 2.5 times option A. That's not counting any money going towards the principal of the... |
How and why does the exchange rate of a currency change almost everyday? | Money is money because people believe it is money. By "believe it is money", I mean that they expect they will be able to turn it into useful goods or services (food, rent, houses, truckloads full of iron ore, mining equipment, massages at the spa, helicopter rides, iPads, greenhouses, income streams to support your fu... |
Rent or buy with 0 down | In the situation you describe, I would strongly consider purchasing. Before purchasing, I would do the following: Think about your goals. Work with good people. Set a budget. Be able to handle surprises. If buying a home makes sense, you can do the following after buying: |
In-laws moving in (financial/tax implications)? | You are "pool[ing] the sales from both houses as downpayment on the new house." But they are going to pay you rent. Your question as it stands, just opens more questions. What, exactly is the ownership of the new house? If your's (and your wife's) was the money a gift? Ignoring the gift, if that's what it is, and if ... |
First time investor and online brokerage accounts | First, let me say that $1000 is not that much of amount to invest in stocks. You need to remember that each transaction (buy/sell) has fees, which vary between $4-$40 (depending on the broker, you mentioned Scottrade - they charge $7 per transaction for stocks and about twice as much for some mutual funds). Consider th... |
If I invest in securities denominated in a foreign currency, should I hedge my currency risk? | Like most other investment decisions - it depends. Specifically in this case it depends upon your view of the FX (Foreign Exchange) market over the next few years, and how sensitive you are to losses. As you correctly note, a hedge has a cost, so it detracts from your overall return. But given that you need to repatria... |
What is the purpose of endorsing a check? | So the bank can (theoretically) compare that signature to the ID you provide, showing that the names and signatures match and that you are the person to whom the check was written. |
Virtual currency investment | I don't know much about paypal or bitcoin, but I can provide a little information on BTC(Paypal I thought was just a service for moving real currency). BTC has an exchange, in which the price of a bitcoin goes up and down. You can invest in to it much like you would invest in the stock market. You can also invest in e... |
Why does Yahoo Finance and Google Finance not match historical prices? | The difference is that Yahoo is showing the unadjusted price that the security traded for on that date, while google is adjusting for price splits. This means that Google is showing how much you would have had to pay to get what is now one share. Since 1979, JNJ has split 3-for-1 once, and 2-for-1 four times. 3x2x2x2x2... |
Shared groceries expenses between roommates to be divided as per specific consumption ratio and attendance | For a personal finance forum, this is too complicated for sustained use and you should find a simpler solution. For a mathematical exercise, you are missing information required to do the split fairly. You have to know who overlaps and when to know how to do the splits. For an extreme example, take your dates given:... |
Selling mutual fund and buying equivalent ETF: Can I 1031 exchange? | I don't believe you can do that. From the IRS: Finally, certain types of property are specifically excluded from Section 1031 treatment. Section 1031 does not apply to exchanges of: I highlighted the relevant items for emphasis. |
UK university student finance - should I use my sponsorship money to pay the debt? | Let me run some simplistic numbers, ignoring inflation. You have the opportunity to borrow up to 51K. What matters (and varies) is your postgraduation salary. Case 1 - you make 22K after graduation. You pay back 90 a year for 30 years, paying off at most 2700 of the loan. In this case, whether you borrow 2,800 or 28,00... |
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? | The traditional E-mini S&P500 options (introduced on 09/09/97) already expire on the 3rd Friday, so there's no need for another "weekly" option that expires at the same time. |
Do I need to pay quarterly 1040 ES and 941 (payroll)? | Don't overthink it. As an employee, whether of your own corporation or of someone else, you get a salary and there are deductions taken out. As the owner of a business you get (hopefully) business profits as well. And, in general, you often have other sources of income from investments, etc. Your estimated tax payments... |
Is it possible to buy UK Consols (perpetuities)? | Selftrade does list them. Not sure if you'll be able to sign up from the US though, particularly given the FATCA issues. |
Investment strategies for young adults with entrepreneurial leanings? | Diversity of risk is always a good idea. The cheapest equity-based investment (in terms of management costs) is some form of tracker or indexed fund. They're relatively low risk and worth putting in a fixed amount for long-term investment. I agree with Ngu Soon Hui, you're going to need a lot of cash if you decide to... |
Tenant wants to pay rent with EFT | In Britain it's standard practice to use an electronic bank transfer, otherwise known as a "standing order" for the monthly rent payment. Many letting agents insist on it here in Britain. It's rare to hear of fraud. It is possible to setup a Direct Debit with the account numbers, as happened in a famous case where Jere... |
For very high-net worth individuals, does it make sense to not have insurance? | The general answer to this is "yes". When you're dealing with single-digit millionaires, the answer is that their insurance habits and needs are basically the same as everyone else. When you get into the double digit and triple digit millionaires, or people worth billions, they have additional options, but those basi... |
Why do the 1 and 2 euro cent coins exist and why are they used? | While dealing with US pennies and not 1 and 2 cent euro pieces, you may find this Wikipedia article of interest and analogous: Penny debate in the United States This article briefly summarizes both the arguments for and against retaining the one cent piece. The arguments against include: Arguments for preservation inc... |
Why are options created? | At my soon to be legendary Stock Options Cafe, I recently wrote an article "Betting On Apple at 9 to 2." It described a trade in which a 35% move in a stock over a fixed time (2 years) would result in a 354% gain in one's bet. In this case, the options serve to create remarkable leverage for speculators. In general, o... |
Why does Yahoo miss some mutual fund dividends/capital gains? | This looks more like an aggregation problem. The Dividends and Capital Gains are on quite a few occassions not on same day and hence the way Yahoo is aggregating could be an issue. There is a seperate page with Dividends and capital gains are shown seperately, however as these funds have not given payouts every year, i... |
Where can I find accurate historical distribution data for mutual funds? | In the case of a specific fund, I'd be tempted to get get an annual report that would disclose distribution data going back up to 5 years. The "View prospectus and reports" would be the link on the site to note and use that to get to the PDF of the report to get the data that was filed with the SEC as that is likely w... |
Paying myself a distribution caused a negative Owner's Equity account balance? Is this normal? | It's not abnormal for a company that is as young as yours seems to be. It seems (based on what little I know), that you have debts, or accounts payable that were formerly covered by the $200 cash, but now aren't, because you paid it to yourself. For now, you're "entitled" to pay yourself a draw or a salary. But if you ... |
Was this a good deal on a mortgage? | Some part of the payment is probably also going for tax escrow, insurance payments, probably PMI if you aren't putting at least 20% down. Get a complete breakdown of the costs. Remember to budget for upkeep. And please see past discussion of why buying a home at this point in your career/life may be very, very prematu... |
How to find trailing 5-year stock returns for 1980s? | I dont know if this data is available for the 1980s, but this response to an old question of mine discusses how you can pull stock related information from google or yahoo finance over a certain period of time. You could do this in excel or google spreadsheet and see if you could get the data you're looking for. Quote... |
If I plan to buy a car in cash, should I let the dealer know? | Ditto other answers, but I'd add there's a lot of psychology going on in a sale. If you're paying cash, you presumably have a pretty fixed upper limit on what you can spend. But if you're getting a loan, a large increase in the price of the car may sound like just a small addition to the monthly payment. Also, these da... |
Why do non-electronic stock exchanges (with floor traders) still exist? | For the second part, no most NYSE trades are done electronically. |
Understanding stock market terminology | One of the most useful ways to depict Open, High, Low, Close, and Volume is with a Candlestick Chart. I like to use the following options from Stockcharts.com: http://stockcharts.com/h-sc/ui?s=SPY&p=D&yr=0&mn=3&dy=0&id=p57211761385 |
Evaluating stocks useless? | Is evaluating stocks just a loss of time if the stock is traded very much? Not at all! Making sound investment decisions based on fundamental analysis of companies will help you to do decide whether a given company is right for you and your risk appetite. Investing is not a zero-sum game, and you can achieve a positive... |
How can I remove the movement of the stock market as a whole from the movement in price of an individual share? | I use StockCharts for spread charting. To take your question as an example, here is the chart of Apple against Nasdaq. |
What's “wrong” with taking money from your own business? | I'm no expert on this, but I would say that, if you own the business entirely yourself, there is nothing terribly wrong with using it for your own purposes as you would any other asset that you own. What is wrong is not keeping accurate records that distinguish between your money and the business's. As you say, this ... |
Pay off car loan entirely or leave $1 until the end of the loan period? | There's two scenarios: the loan accrues interest on the remaining balance, or the total interest was computed ahead of time and your payments were averaged over x years so your payments are always the same. The second scenarios is better for the bank, so guess what you probably have... In the first scenario, I would pa... |
Pay off car loan entirely or leave $1 until the end of the loan period? | If I were you, I would pay off the car loan today. You already have an excellent credit score. Practically speaking, there is no difference between a 750 score and an 850 score; you are already eligible for the best loan rates. The fact that you are continuing to use 5 credit cards and that you still have a mortgage ... |
How can I calculate the volatility(standard deviation) of a stock price? and/or ROI (return on investment) of a stock? | the "how" all depends on your level of computer savvy. Are you an Excel spreadsheet user or can you write in programming languages such as python? Either approach have math functions that make the calculation of ROI and Volatility trivial. If you're a python coder, then look up "pandas" (http://pandas.pydata.org/) - it... |
How does LLC ownership work in relation to U.S. tax law? | It really depends. If it is offered as compensation (ie in leiu of, or in addition to salary or cash bonus) then it would be reportable income, and if sold later for a profit then that would be taxable as gains. If this share is purchased as an investment at current value then it would be treated like other securitie... |
When's the best time to sell the stock of a company that is being acquired/sold? | What's your basis? If you have just made a 50% gain, maybe you should cash out a portion and hold the rest. Don't be greedy, but don't pass up an opportunity either. |
One of my stocks dropped 40% in 2 days, how should I mentally approach this? | If you own the stock today, it doesn't matter what it traded for yesterday. If XYZ is trading for $40 and you own it, ask yourself if it's worth buying today for $40. If it isn't, you may want to consider selling it and buying something that is worth $40. |
How to interpret these explanatory graphs (about option strategies)? | The blue line is illustrating the net profit or loss the investor will realise according to how the price of the underlying asset settles at expiry. The x-axis represents the underlying asset price. The y-axis represents the profit or loss. In the first case, the investor has a "naked put write" position, having sold ... |
Do you know of any online monetary systems? | I recently came across bitcoin, it is what I was really looking for at the time. |
Will having a secondary signee with bad credit on a mortgage raise or lower interest? | between two people purchasing a house together, one with good and one with bad credit, will having both persons on the loan raise the interest rates. If the house deed is on both names, generally the Bank would insist the loan should also be on both of your names. This to ensure that Bank has enough leverage to recover... |
I received $1000 and was asked to send it back. How was this scam meant to work? | I would have asked for the intended recipient's account number and pursue sending the money there. If it's the same as yours (except for one digit) that would be a good sign. But even here, the crook could send money to dozens of different accounts, all off by one digit, just to make it look authentic. I'm going with s... |
Do stock prices really go down by the amount of the dividend? | Here is one study http://rfs.oxfordjournals.org/content/7/4/711.short I quote from the abstract "In a variety of tests, marginal price drop is not significantly different from the dividend amount. Thus, over the last several decades, one-for-one marginal price drop has been an excellent (average) rule of thumb." |
High Leverage Inflation Hedges for Personal Investors | $10k isn't really enough to make enough money to offset the extremely high risks in investing in options in this area. Taking risks is great, but a sure losing proposition isn't a risk -- it's a gamble. You're likely to get wiped out with leveraged options, since you don't have enough money to hedge your bets. Timing i... |
Helping girlfriend accelerate credit score improvement | In the short term what does it matter if she has poor credit? Just let it ride and focus on the important things. In the long term the most important part is "completing the divorce". That is separating all parts of her financial life from her ex-husband. This might mean she takes possession of the house and has him... |
Why are currency forwards needed? | Suppose you're a European Company, selling say a software product to a US company. As much as you might want the US company to pay you in Euros they might insist (or you'll lose the contract) that you agree pricing in USD. The software is licensed on a yearly recurring amount, say 100K USD per year payable on the 1st ... |
Shorting versus selling to hedge risk | The word 'hedge' emerges from early agriculture when farmers would ask the market for a minimum buy price for each crop they planted. They used this method to stop loss against any major losses. Investors today use this strategy when they are unsure of what the market will do. A perfect hedge reduces your risk to noth... |
Is it possible to take advantage of exceptions to early withdrawal penalties on a 401(k)? | Your question doesn't make much sense. The exceptions are very specific and are listed on this site (IRS.GOV). I can't see how you can use any of the exceptions regularly while still continuing being employed and contributing. In any case, you pay income tax on any distribution that has not been taxed before (which wou... |
Cost basis allocation question: GM bonds conversion to stock & warrants | This is a bit complicated because of all the moving parts, but is a little simpler because the two warrants are now publicly traded. The main rule appears to be that your cost should be apportioned into the bases for the pieces you received by the proportions of the prices established in the market on the first day of... |
Why most of apple stock price since 10years have been gained overnight? | I'll answer this question: "Why do intraday traders close their position at then end of day while most gains can be done overnight (buy just before the market close and sell just after it opens). Is this observation true for other companies or is it specific to apple ?" Intraday traders often trade shares of a company ... |
Can someone help me understand my student loans? | Paying the minimum balance on a loan can be DEVASTATING and is highly UN-RECOMMENDED. It is important you understand your loan and the terms associated with it. Loans are given for a period of time but if you pay the minimum it does NOT mean you will pay it all off by the end. When paying a loan money is applied to the... |
How do you measure the value of gold? | There is no such thing as intrinsic value. Gold has value because it is rare and has a market. If any of those things decline, the value plunges. The question of whether gold is overvalued or not is complicated and depends on a lot of factors. The key question in my mind is: Is gold more valuable in terms of US dollar... |
Should you diversify your bond investments across many foreign countries? | Adding international bonds to an individual investor's portfolio is a controversial subject. On top of the standard risks of bonds you are adding country specific risk, currency risk and diversifying your individual company risk. In theory many of these risks should be rewarded but the data are noisy at best and addi... |
What is a negotiable security and how are they related to derivatives? | As Dheer pointed out, Wikipedia has a good definition of what a negotiable instrument is. A security is an instrument or certificate that signifies an ownership interest in something tangible. 1 share of IBM represents some small fraction of a company. You always have the ability to choose a price you are willing to p... |
Using financial news releases to trade stocks? | In the U.S., publicly traded companies are under the rules of Regulation Fair Disclosure, which says that a company must release information to all investors at the same time. The company website and social media both count as fair disclosure, because every investor has access to those outlets, but a press release new... |
Entering the stock market in a poor economy | Buy low and sell high. Right now stocks are cheap (or at least cheapish). If you wait for better forecasts, the price will be higher. They might go down still farther, but no one knows for sure when that will happen, or where the bottom is -- despite what the talking heads on TV say. Remember that what you really c... |
What does it mean to long convexity of options? | First lets understand what convexity means: Convexity - convexity refers to non-linearities in a financial model. In other words, if the price of an underlying variable changes, the price of an output does not change linearly, but depends on the second derivative (or, loosely speaking, higher-order terms) of the... |
A-B-C Class Shares: What's the difference? | Classes of shares are not necessarily standardized. Some share classes have preference above others in the event of a liquidation. Some share classes represent a different proportion of ownership interest. Any time you see multiple share classes, you need to research what is different for that specific corporation. |
What are the advantages of paying off a mortgage quickly? | From my experience and friends' experiences, I can say that there are advantages and disadvantages for paying off your mortgage quickly. Basically, it depends on these factors: the type of the mortgage, its interest rate, your financial stability, your skills in making investments and other outside factors, such as inf... |
Is leveraging notoriety to raise stock prices illegal in the US? | Yes, there are legal problems with what he did. To prevent fraud, the US government regulates who can give public investment advice and how they can do it. If you're getting paid to advise an individual, you have to pass certain examinations and maintain ongoing government certification. If you hold a position in a sto... |
Is it normal that US Treasury bills(0.07%) yield smaller than interest rate(0.25%)? | Im not sure if its normal/sensical/healthy, and that is kind of opinion based. But there is a reason for it. Certain rules and regulations passed recently are causing companies or institutions to shift to bonds from cash. Fidelity, for example, is completely converting its $100 billion dollar cash fund to short term bi... |
Why buy bonds in a no-arbitrage market? | It is my understanding that banks pay less than the going rate on savings accounts and require that the person who takes out a loan pay more than the going rate. That is how the bank gets its money. Usually the going rate is affected by the current inflation rate (but that has not been true for the last few weeks). So... |
Is there any chance for a layperson to gain from stock exchange? [duplicate] | It depends what you mean by 'gain'. Over long period of times the market increases so using a blind monkey with a dart or index fund should be sufficient to get an average returns. The key difference is that changes in currency are close to zero sum game while money in equity or bonds is actually used for something (bu... |
Why buy stock of a company instead of the holding company who has more than 99% of the stocks | Also VW has more brands, i.e. is more diversified This isn't necessarily a good thing for investing. It makes the company less likely to go down, but it limits your portfolio. For example, say you think that Hyundai is a good alternative to Volkswagen (VW) but really like Audi. If you buy VW, you get some Audi but a... |
Better rate for investment between CD or savings | Excel has two functions you can use: Your question has the CD with a APR and the savings account that mentions both APR and APY. So convert them both to APY to compare them. The savings account (2.27 APY) will return more money based on the numbers in your question (2.27% vs 1.56%) The previous part was the math part o... |
Less than a year at my first job out of college, what do I save for first? | I wish I was in your shoes with the knowledge I have in my head. financial goal setting is a great plan at your age. In my humble opinion you don't want to save for anything... you want to invest as much as you can, create a corporation and have the corporation invest as much as possible. When there is enough monthly c... |
What does “balance sheet banks” mean in this context? | The balance sheet for a bank is the list of assets and liabilities that the bank directly is responsible for. This would be things like loans the bank issues and accounts with the bank. Banks can make both "balance sheet" loans, meaning a loan that says on the balance sheet - one the bank gains the profits from but ho... |
How can home buying be considered a sound investment with all of that interest that needs to be paid? | Your question isn't great, but I will attempt to answer this piece as it seems really the root of your personal finance question: I want to convince my wife to make this move because it will save us at least 800 month, but she fails to see how buying a second home is financially sound because we have to lose our sa... |
I am a contractor with revenue below UK's VAT threshold. Should I register for VAT? | If you are providing VAT-liable services (you probablly are) and you register normally for VAT then you will be able to reclaim VAT on your buisness purchases but you will have to charge VAT to your clients. So the question really comes down to will your clients regard you adding VAT to their invoices as a price increa... |
Can I take money from my employee stock and put it towards another stock? | The question is for your HR department, or administrator of the plan. How long must you hold the employee shares before you are permitted to sell? Loyalty to your company is one thing, but after a time, you will be too heavily invested in one company, and you need to diversify out. One can cite any number they wish, 5%... |
I have around 60K $. Thinking about investing in Oil, how to proceed? | Royalty trusts track oil prices (they're a pure play on ownership of a portfolio of mineral rights and do not otherwise have the operations that the oil companies themselves have). Many publicly traded ones listed at the embedded wikipedia link. Oil tankers are having a bang up business right now as described in the... |
Does the IRS reprieve those who have to commute for work? | No. Regular W2 employees cannot deduct housing or transportation costs related to their employment. However, in the US, many employers offer Parking and/or Transit FSA programs which are usually collectively referred to a Commuter Benefits FSA programs, this is particularly common among larger employers with locatio... |
Will I always be able to get a zero-interest credit card? | No. There is no guarantee that credit card issuing banks will always use 0% introductory rates to entice anyone. |
Why are estimated taxes due “early” for the 2nd and 3rd quarters only? | nan |
Why do people buy insurance even if they have the means to overcome the loss? | In addition to stoj's two good points I'll add a couple more reasons: 3) In some situations there are secondary factors involved that can make it a good deal. These normally amount to cases where you can buy the insurance with pre-tax dollars but would have to pay the bills with post-tax dollars. 4) Insurance compan... |
Why does the calculation for percentage profit vary based on whether a position is short vs. long? | Simple math: 50-25=25, hence decline from 50 to 25 is a 50% decline (you lose half), while an advance from 25 to 50 is 100% gain (you gain 100%, double your 25 to 50). Their point is that if you have more upswings than downswings - you'll gain more on long positions during upswings than on short positions during downsw... |
Is there any advantage to owning equity in a company compared to a royalty agreement? | Each way you go is a little bit of a gamble. Owning equity in the company is best in situations where you can trade and sell that equity, or where the dilution of your royalty product would affect your returns, or if you can maintain a certain equity stake without working at the company or if you can hold out on taki... |
Is there any chance for a layperson to gain from stock exchange? [duplicate] | Currencies are a zero-sum game. If you make money, someone else will lose it. Because bank notes sitting in a pile don't create anything useful. But shares in companies are different, because companies actually do useful things and make money, so it's possible for all investors to make money. The best way to benefit is... |
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