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What are the benefits of investing to IRA/Roth IRA, 401(k) in comparison to investing in long term CDs? | First, you need to understand the difference in discussing types of investments and types of accounts. Certificate of Deposits (CDs), money market accounts, mutual funds, and stocks are all examples of types of investments. 401(k), IRA, Roth IRA, and taxable accounts are all examples of types of accounts. In general, t... |
Which first time Stocks and Shares ISA for UK, frequent trader UK markets? | I wouldn't only consider the entry/exit cost per trade. That's a good comparison page by the way. I would also consider the following. This depends if you are planning on using your online broker to provide all the information for you to trade. I have lower expectations of my online broker, not meant to be harsh on the... |
What are the best software tools for personal finance? | I use iBank for Mac to keep track of my expenses. I also use the iPhone version since they can sync over Wi-Fi and I can capture expenses right on the spot instead of trying to remember what I spent on when I turn on my laptop. |
Where should I be investing my money? | Don't be too scared of investing in the market. It has ups and downs, but over the long haul you make money in it. You can't jump in and out, just consistently add money to investments that you 1) understand and 2) trust. When I say understand, what I mean is you can follow how the money is generated, either because ... |
What should I do to pick the right consultant to open offshore bank account | It is unusual to need a consultant to open a bank account for you, and I would also be concerned that perhaps the consultant could take the money and do nothing, or continue to demand various sums of money for "expenses" like permits, licenses, identity check, etc. until you give up. Some of the more accepted ways ... |
Vanguard Target Retirement Fund vs. Similar ETF Distribution (w/ REIT) | It looks like an improvement to me, if for no other reason than lowering the expenses. But if you are around 35 years away from retirement you could consider eliminating all bond funds for now. They will pay better in a few years. And the stock market(s) will definitely go up more than bonds over the next 35 years. |
Investing Superannuation Australia | You can make a start to learn how to make better investing decisions by learning and understanding what your current super funds are invested in. Does the super fund give you choices of where you can invest your funds, and how often does it allow you to change your investment choices each year? If you are interested in... |
Why do people use mortgages, when they could just pay for the house in full? | Condensed to the essence: if you can reliably get more income from investing the cost of the house than the mortgage is costing you, this is the safest leveraged investment you'll ever make. There's some risk, of course, but there is risk in any financial decision. Taking the mortgage also leaves you with far greater f... |
Does the USA have a Gold reserve? | The United States is no longer on a gold standard, and the value of its currency is solely founded on the productivity of its economy. So I don't think there's any practical reason for the United States government to explicitly sell off a lot of gold to force the price to crash. In fact I would expect that the price of... |
Will unpaid taxes prevent me from getting a business license? | Generally these things are unrelated. Your tax debt is to agency X, your license is (mostly) from agency Y. If your business involves agency X, then it may be a problem. For example, you cannot get a EA license (IRS Enrolled Agent) if you have unsettled tax debt or other tax compliance issues. You should check Michigan... |
Personal finance web service with account syncing in Germany | As much as I know StarMoney has also a web service for banking. |
Is it possible to allocate pre-tax money to a specific stock? | Whether an investment is pre-tax is determined by the type of account (i.e., tax-advantaged vs ordinary taxable account), but whether you can invest in individual stocks is determined by the provider (i.e., the particular bank where you have the account). These are orthogonal choices. If you want to invest in individ... |
Why do financial institutions charge so much to convert currency? | Is there not some central service that tracks current currency rates that banks can use to get currency data? Sure. But this doesn't matter. All the central service can tell you is how much the rate was historically. But the banks/PayPal don't care about the historical value. They want to know the price that they'l... |
What does an x% inflation rate actually mean? | Inflation is a reflection on the expansion of the money supply, aka debt, being created by a central bank. Fiat currencies usually inflate, because there is no limit to the amount of debt that can be created. The consequences of reckless money supply expansion can be seen throughout history, see Zimbabwe, though there... |
I just made $50K from selling my house. How should I invest the proceeds? | I know an answer has been accepted, but you need an emergency fund, ideally enough to cover at least 3 months of after-tax basic living expenses. As a free-lancer, 6 months would be even better. This isn't a fun way to tie up your money, but it is a prudent way. What if you lose your job, or decide you want to change y... |
UK Tax - can I claim expenses against a different tax year? | In some circumstances losses from self-employment can be offset against total income and/or capital gains. If this applies to you may be able to claim back some of the tax taken by PAYE from your day job. You can also to some extent carry the loss backwards into previous tax years or forward into the next one if you c... |
Recent college grad. Down payment on a house or car? | Buy a car. Unless you definitely know you are living in the area for a good long time, avoid buying a house and get a car instead. |
Income tax exemptions for small business? | Yes, you should be able to deduct at least some of these expenses. For expense incurred before you started the business: What Are Deductible Startup Costs? The IRS defines “startup costs” as deductible capital expenses that are used to pay for: 1) The cost of “investigating the creation or acquisition of an active tra... |
Is it safer to send credit card number via unsecured website form or by e-mail? What safer options are there? | Here's one option: Telephone is a lower-tech yet relatively more secure means for transmitting your payment information when a secure web site isn't available. And yet another option: You could send them an encrypted email, but this would require tools (e.g. GPG), setup (public keys), and expertise on their end which... |
Are Certificates of Deposit worth it compared to investing in the stock market? | Another factor to consider, beyond the fact that growth and volatility go together, is that the times when many people will need to liquidate their investments will correlate with the times that many other people need to liquidate their investments, and such correlation will push down the immediate value of those inves... |
Best way to buy Japanese yen for travel? | When I went on vacation to London a few years ago, I looked around at banks with ATM deals with UK banks. I found that B of A had a deal with a UK bank that you could use their ATMs to take out money from your US account for practically no fees. So the week or so before I left, I opened an account at B of A, put a bunc... |
In the stock market, why is the “open” price value never the same as previous day's “close”? | What most of these answers here seem to be missing is that a stock "price" is not exactly what we typically expect a price to be--for example, when we go in to the supermarket and see that the price of a gallon of milk is $2.00, we know that when we go to the cash register that is exactly how much we will pay. This is... |
Why does BlackRock's XIN page show XIN as having only 1 holding? | On BlackRock's XIN page under Key Facts it says the number of holdings as 1. Looking at the top 10 holdings shows EFA as the number 1 holding with a 101% weighting. XIN is "iShares MSCI EAFE Index ETF (CAD-Hedged)", so it takes the underlying component and hedges it to CAD. The underlying component is an ETF itself, E... |
Malaysian real estate: How to know if the market is overheated or in a bubble? | The Motley Fool suggested a good rule of thumb in one of their articles that may be able to help you determine if the market is overheating. Determine the entire cost of rent for a piece of property. So if rent is $300/month, total cost over a year is $3600. Compare that to the cost of buying a similar piece of propert... |
Conservative ways to save for retirement? | It has been hinted at in some other answers, but I want to say it explicitly: Volatility is not risk. Volatility is how much an investment goes up and down, risk is the chance that you will lose money. For example, stocks have relatively high volatility, but the risk that you will lose money over a 40 year period is vi... |
Can't the account information on my checks be easily used for fraud? | That's accurate. Here is another risk with the current checking system, which many people are not aware of: Anyone who knows your checking account number can learn what your balance in that account is. (This is bank-specific, but it is possible at the major banks I've checked.) How does that work? Many banks have a ... |
How to approach building credit without a credit card | Apply for a secured credit card (several financial institutions provide these, including most banks. WalletHub gives you a way to search/filter for these cards quite easily). You will need to deposit funds to cover your credit limit. Deposit as much as they allow, I believe it is 500.00. Pay for EVERYTHING with the ... |
Free “Rich Dad” education, with “free gift”: Is it legitimate, or is it a sales ploy? | Robert Kiyosaki's is basically a get-rich quick author. But to answer your question: It is a sales pitch in disguise. See Marketplace's report on a Kiyosaki seminar, which reveals that the free work shop is a sales pitch for a 3-day work shop which costs several hundred dollars. And the 3-day workshop is a sales pitc... |
Do algorithmic trading platforms typically have live-data access to stock data? | Yes, Interactive Brokers is a good source for live data feeds and they have an API which is used to programmatically access the feeds, you will have to pay for data feeds from the individual data sources though. The stock exchanges have a very high price for their data and this has stifled innovation in the financial ... |
What is the P/E ratio for a company with negative earnings? | Usually their PE ratio will just be listed as 0 or blank. Though I've always wondered why they don't just list the negative PE as from a straight math standpoint it makes sense. PE while it can be a useful barometer for a company, but certainly does not tell you everything. A company could have negative earnings for ... |
To whom should I report fraud on both of my credit cards? | You need to run a virus scan on your computers to make sure you do not have a key-logger program running on either. I would also think about designating one old computer to only access your bank accounts and not do anything but that. If your computer is infected then every time you login your credit cards can be com... |
What is the true value, i.e. advantages or benefits, of building up equity in your home? | A person can finance housing expenses in one of two ways. You can pay rent to a landlord. Or you can buy a house with a mortgage. In essence, you become your own landlord. That is, insta the "renter" pays an amount equal to the mortgage to insta the "landlord," who pays it to the bank to reduce the mortgage. Ideally, y... |
Possible replacement for Quicken | Given your needs, GNUcash will do swimmingly. I've used it for the past 3 years and while it's a gradual learning process, it's been able to resolve most stuff I've thrown at it. Schedule bills and deposits in the calendar view so I can keep an eye on cash flow. GNUcash has scheduled payments and receipts and reconcil... |
Do I even need credit cards? | Like many things, there are pros and cons to using credit cards. The other folks on here have discussed the pros and length, so I'll just quickly summarize: Convenience of not having to carry cash. Delay paying your bills for a month with no penalty. Build your credit rating for a time when you need a big loan, like bu... |
Should I remodel or buy a bigger house? | I am quite sure you can set up an office in your basement for a lot less than $15,000. Don't build any walls, install any flooring, or upgrade the ceiling. Just install more lights and plugs. Set up your desks, bookshelves and what not in whatever corner is furthest from noises like the laundry room or the furnace. The... |
Gift card fraud: To whom to report? How to recover funds? Is the party which issued me the card liable? | Have you checked to see if anything else went missing? Walmart says that because I was not the original purchaser of the gift card, they could not help me directly Just to build on what @littleadv already gave you, my personal experience on this is that none of the companies that you'll likely be dealing with in a si... |
How to stress test an investment plan? | Here are a few things I've already done, and others reading this for their own use may want to try. It is very easy to find a pattern in any set of data. It is difficult to find a pattern that holds true in different data pulled from the same population. Using similar logic, don't look for a pattern in the data from ... |
Asset protection: When should an individual seriously consider shielding their assets? | If your meaning of "asset protection" is buying gold and canned food in the name of a Nevada LLC because some radio guy said so, bad idea. For a person, if you have assets, buy appropriate liability limits with your homeowner/renter insurance policy or purchase an "umbrella" liability policy. This type of insurance is ... |
I am under 18 years old, in the US, my parents have terrible credit, how can I take out a loan? | Depending on the state this might not be possible. Loans are considered contracts, and various states regulate how minors may enter into them. For example, in the state of Oregon, a minor may NOT enter into a contract without their parent being on the contract as well. So you are forced to wait until you turn 18. At th... |
Can I negotiate a credit card settlement by stopping payments? | At no point is it ever a good idea to "stop making payments to show them [you] mean business". When you signed up for the credit card account, you agreed to pay what you charged, and any applicable interested accrued on the accounts. You are legally responsible for that debt, and you can be sued, if they are so incline... |
How can I find a high-risk, high-reward investment that is not strongly correlated with the U.S. economy? | High risk, high reward doesn't really mean anything. The reason that investments are risky is that the investor is clueless. As you gain more information and experience, you reduce the risk. To answer your question, you can consider BRIC ETF's (Brazil, Russia, India and China). They are correlated to the U.S. economy. ... |
Avoiding timing traps with long term index investing | 1) The risks are that you investing in financial markets and therefore should be prepared for volatility in the value of your holdings. 2) You should only ever invest in financial markets with capital that you can reasonably afford to put aside and not touch for 5-10 years (as an investor not a trader). Even then you s... |
How do rich people guarantee the safety of their money, when savings exceed the FDIC limit? | I found out there is something called CDARS that allows a person to open a multi-million dollar certificate of deposit account with a single financial institution, who provides FDIC coverage for the entire account. This financial institution spreads the person's money across multiple banks, so that each bank holds les... |
Account that is debited and account that is credited | Strictly speaking the terms arise from double entry book keeping terminology, and don't exactly relate to their common English usage, which is part of the confusion. All double entry book keeping operations consist of a (debit, credit) tuple performed on two different books (ledgers). The actual arithmetic operation p... |
In 2015, why has the price of natural gas been plummeting? | You do not hold leveraged ETF for longer than a few days. You have UGAZ and DGAZ, both 3x leveraged, one longs one shorts. What happens if you buy both? You don't get 0% return. In fact, you get -10% return if you hold both for 3 months. No matter what happens, they both go down in long term. Call it Leverage Deca... |
why if change manufacturing of a product not change the price for the buyer? | In highly developed and competitive industries companies tread a continuous and very fine line between maximising shareholder profits by keeping prices up while making products as cheaply as possible, vs competitors lowering prices when they work out a way to make equivalents cheaper. In the short run you will quite of... |
Do credit checks affect credit scores? | Hard pulls you give your explicit permission to run do affect your credit. Soft pulls do not. While hard pulls affect your score, they don't affect it much. Maybe a couple few point for a little while. In your daily activities, it is inconsequential. If you are prepping to get a mortgage, you should be mindful. Sim... |
Is it a bet on price fluctuations and against the house? | The answer depends on the specific instrument to which you are referring. It is possible to make straight bets that are cash-settled and in which the underlying commodity or instrument will never be bought or sold. It is also possible to have such a contract be settled in the underlying (if the cash value is appropria... |
Mortgage interest income tax deduction during year with a principal residence change | http://www.irs.gov/publications/p936/ar02.html#en_US_2010_publink1000229891 If you still own it, you get to deduct all of it. In my taxes I did online with TaxAct, it asked if I lived there or not and it just mattered which form it filed for me. With having tenants it was a 'business' form and I assume it would be a s... |
Tax me more: Can I pay extra to the government so I don't have to deal with all this paperwork? | Perhaps the real question you are asking is "How can the tax code be fixed to make it simple for everyone (including me), and what would it take to effect those changes"? There are really two causes for the complexity of the tax code. Many of those who enter Government hold a desire for power, and Government uses the t... |
Should I use regular or adjusted close for backtesting? | You would have to compare your backtesting to what you will be doing in real trading, and try to have the backtesting as close to your real trading as possible. Note: you may never get the backtesting to match your real trading exactly but you need to get as close as possible. The whole purpose of backtesting is to che... |
Do Americans really use checks that often? | Many small businesses are still cash and check. For example my landlord does not take credit card or online transfer. My choices are cash and check, and I prefer checks for the paper trail. |
Starting with Stocks or Forex? | I would advise against both, at least in the way you are discussing it. You seem to be talking about day-trading (speculating) in either stock or currency markets. This seems ill-advised. In each trade, one of three things will happen. You will end up ahead and the person you buy from/sell to will end up behind. You wi... |
Theoretically, if I bought more than 50% of a company's stocks, will I own the company? | Owning more than 50% of a company's stock normally gives you the right to elect a majority, or even all of a company's (board of) directors. Once you have your directors in place, you can tell them who to hire and fire among managers. There are some things that may stand in the way of your doing this. First, there may... |
How can I cash in a small number of delisted US shares? TLAB | If you held the shares directly, the transfer agent, Computershare, should have had you registered and your address from some point on file. I have some experience with Computershare, it turned out when Qwest restarted dividends and the checks mailed to the childhood home my parents no longer owned, they were able to ... |
Is it possible to make money off of a private company? | Yes, but only if they're looking for investors. You would need to contact them directly. Unless you're looking to invest a significant sum, they may not be interested in speaking with you. (Think at least 6 figures, maybe 7 depending on their size and needs). This is otherwise known as being a Venture Capitalist. Some ... |
Does girlfriend have too much savings, time to invest? | It's time she look into what employer provided retirement plan she can use. She's at the point where she should think about investing for the long term, with retirement in mind. |
How do I choose 401k investment funds? | Here is the "investing for retirement" theoretical background you should have. You should base your investment decisions not simply on the historical return of the fund, but on its potential for future returns and its risk. Past performance does not indicate future results: the past performance is frequently at its bes... |
Making a big purchase over $2500. I have the money to cover it. Should I get a loan or just place it on credit? | It is going to save you more money in the long run to pay at once with cash. If you take out a loan, you will pay interest on the balance, costing you money. If you pay off the balance immediately, there is no difference between the options and your question becomes irrelevant. There is no credit rating benefit to pla... |
What are some good ways to control costs for groceries? | Please stay away from snakes. Don't use a credit card to buy your food. Those credit companies will eat you alive. Those are reward points they're giving you. It's like the casino giving you a free $50 to start out with. They designed the game. They are going to win. As for groceries, if you are a coupon clipper, check... |
Should a high-school student invest their (relative meager) savings? | If you have no immediate need for the money you can apply the Rule of 72 to that money. Ask your parent's financial advisor to invest the money. Based on the rate of return your money will double like clockwork. At 8% interest your money will double every 9 years. 45 years from now that initial investment will have ... |
How to pay bills for one month while waiting for new job? | A traditional bank is not likely to give you a loan if you have no source of income. Credit card application forms also ask for your current income level and may reject you based on not having a job. You might want to make a list of income and expenses and look closely at which expenses can be reduced or eliminated. Us... |
What is the Blue Line in these stock Charts? | The curved lines (on my screen orange, yellow and pink) are simple moving averages. The fuchsia and blue straight lines are automatically generated trend lines. Those lines are attempting to show how a stock is trending by showing potential bounce points and are commonly used in technical analysis (TA). |
Value of put if underlying stays below strike? | $15 - $5 = $10 How did you possibly buy a put for less than the intrinsic value of the option, at $8.25 So we can infer that you would have had to get this put when the stock price was AT LEAST $6.75, but given the 3 months of theta left, it was likely above $7 The value of the put if the price of the underlying asset ... |
Shares; are they really only for the rich/investors? | Put £50 away as often as possible, and once it's built up to £500, invest in a stockmarket ETF. Repeat until you retire. |
Making your first million… is easy! (??) | Easy. Start with 2 millions and lose only one. Jokes aside, if you want a million USD, you should be asking yourself how you can produce products or services worth $5 millions. (expect the extra to be eaten up by taxes, marketing, sales, workforce...) If by investment you mean making risky bets on the stock market, you... |
If I put a large down payment (over 50%) towards a car loan, can I reduce my interest rate and is it smart to even put that much down? | I had a strange experience buying a new car. They were offering a deal of 0.9% interest on the loan but only if the loan was above a certain amount. Below that amount, the interest rate was something like 3%. Given the amount I was willing to put down, it was cheaper to put less down and get the lower interest rate.... |
Are there any benefits to investing with a group of friends vs. by myself? | In most markets, there are fixed fees known as commissions. For instance, with a retail broker in the stock market, you can expect every trade to cost you $7.00 as an example, it is $7.00 regardless of if you place a trade for $25 or $25,000. You will see that just opening the trade, with a smaller amount, will eat up ... |
Weekly budgets based on (a variable) monthly budget | Try reading about budgeting. Make a list of all income coming in and all expenses going out. Eliminate any unnecessary expenses and try to increase income, which could include a part-time second job. Try to always put a portion of the income away as savings - try 10%, but if this is too hard to start with try saving ... |
Any experience with maxing out 401(k)? | You want to take the hit now. There are tons of calculators out there, but the rule of 70 should be enough to help convince you: Assume you can put an extra $10k in a 401k now, or keep it. If you pay ~30% in taxes, you can have either: A) $7k now, or: B) What $10K will grow to in your 40 years till retirement less ... |
Can paying down a mortgage be considered an “investment”? | I think there are a few facets to this, namely: Overall, I wouldn't concentrate on paying off the house if I didn't have any other money parked and invested, but I'd still try to get rid of the mortgage ASAP as it'll give you more money that you can invest, too. At the end of the day, if you save out paying $20k in int... |
How to decide on limits when purchasing/selling stocks? | You said your strategy was to put it into a index fund. But then you asked about setting stock limits. I'm confused. Funds usually trade at their price at the end of the day, so you shouldn't try to time this at all. Just place your order. If you are buying ETFs, there is going to be so much volume on the market th... |
Return on asset (ROA) value for a stock is reported differently on Yahoo Finance and MarketWatch | Why there is this huge difference? I am not able to reconcile Yahoo's answer of 5.75%, even using their definition for ROA of: Return on Assets Formula: Earnings from Continuing Operations / Average Total Equity This ratio shows percentage of Returns to Total Assets of the company. This is a useful measure in analyzi... |
How can I avoid international wire fees or currency transfer fees? | My preferred method of doing this is to get a bank draft from the US in Euros and then pay it into the French bank (my countries are Canada and UK, but the principle is the same). The cost of the bank draft is about $8, so very little more than the ATM method. If you use bigger amounts it can be less overall cost. The ... |
how does one start an investing club (as a company)? | Taxes are the least of your concerns. Your friends need licenses. Although this COULD be avoided entirely with certain craftily worded disclaimers and exemptions and the WAY that money is given to them. |
Additional credit card with different limit on same account? | Generally not. Since authorized user cards are the same account and the difference between the two (the original and the AU card) are minimal. Note, there's nothing technically stopping banks from offering this as a feature, two cards do have identifiers that indicate they're separate cards, but the banks concern for ... |
Wardrobe: To Update or Not? How-to without breaking the bank | We have a ton of student loan debt (mostly mine) and right now, I'm on a strict 'replace' only budget. I have some shirts I put elbow holes in that I'm only keeping around as a reminder to replace them. I wait until there is a deal of some sort (50% off or BOGO Free) unless I really need it - a white dress shirt for ... |
Should I have to pay income tax on contribution to home office rent from company? | This is essentially a reimbursement of your expense. Since you can deduct the expense, the fact that the reimbursement is taxable doesn't affect you much. You deduct your home office expenses on your annual tax return using form 8829. See the IRS site for more details. If you're asking about the UK tax, there may be so... |
What to do when a job offer is made but with a salary less than what was asked for? | In my experience of doing software development for a little longer than I care to remember, salaries are always assumed to be negotiable. I know you said you don't like haggling (a lot of people don't) but you'll have to get used to that and you might have to be a little more flexible. Being able to negotiate something... |
Diagnostic Questions to Determine if Renter intends to pay | Assuming the renter was properly vetted, the only question worth asking is "what has changed in your life?" Perhaps one of the earners has lost a job, or has moved out because a couple has broken up. If nothing has changed but they just don't feel like paying you, start the eviction process. If something has changed an... |
Negatives to increased credit card spending limit? [duplicate] | https://money.stackexchange.com/a/79252/41349 https://money.stackexchange.com/a/79261/41349 Adding to @Chris H answer about damage limitation Online purchases could include phone/tablet app purchases, which could be an issue if you have children or you are a victim of fraud. First link from googling "Kid racks up almo... |
Pay Yourself With Credit Card Make Money With Cash Back [duplicate] | The idea is old as dirt, and some millions of people had it before you. Credit card swipes cost you between 2.4 and 4.5%, depending on the cards, the provider, and the amounts, plus potentially a fixed small amount per swipe. Of course, a 2% cash back card cost more than 2% to swipe; and a 3% cash back card cost more t... |
When does a pricing error become false advertising? | It's definitely annoying, but it's not necessarily false advertising. There is no rule or law that says they have to fix a pricing error at all, let alone within a certain period of time. Unfortunately they have no obligation to do business with you unless they take (and keep) your money. If they canceled the order and... |
What is the process of getting your first share? | I think I understand what you're trying to achieve. You just want to see how it "feels" to own a share, right? To go through the process of buying and holding, and eventually selling, be it at a loss or at a gain. Frankly, my primary advice is: Just do it on paper! Just decide, for whatever reason, which stocks to buy... |
Determine share price from S-1 for company that was bought before going public | The value of a share depends on the value of the company, which involves a lot more than the value of its assets -- it requires making decisions about what you think will happen to the company in the future. That's inherently not something that can be reduced to a single formula, at least not unless you can figure out ... |
Why don't banks give access to all your transaction activity? | Things are the way they are because they got that way. - Gerald Weinberg Banks have been in business for a very long time. Yet, much of what we take for granted in terms of technology (capabilities, capacity, and cost) are relatively recent developments. Banks are often stuck on older platforms (mainframe, for instan... |
Why do stocks go up? Is it due to companies performing well, or what else? [duplicate] | The value of a stock ultimately is related to the valuation of a corporation. As part of the valuation, you can estimate the cash flows (discounted to present time) of the expected cash flows from owning a share. This stock value is the so-called "fundamental" value of a stock. What you are really asking is, how is ... |
Total price of (AAPL option strike price + option cost) decreases with strike price. Why? | Think about it this way. If the strike price is $200, and cost of the option is $0.05. $200 + $0.05 is $200.05. That does not mean that the price of buying the option is more. Neither is the option writer going to pay you $70 to buy the contract. When you are buying options, you can only have a limited downside and th... |
What is the difference between shares and ETF? | A mutual fund has several classes of shares that are charged different fees. Some shares are sold through brokers and carry a sales charge (called load) that compensates the broker in lieu of a fee that the broker would charge the client for the service. Vanguard does not have sales charge on its funds and you don't n... |
Why are auto leases stubbornly strict about visa status and how to work around that? | When getting a car always start with your bank or credit union. They are very likely to offer better loan rate than the dealer. Because you start there you have a data point so you can tell if the dealer is giving you a good rate. Having the loan approved before going to the dealer allows you to negotiate the best dea... |
Who can truly afford luxury cars? | A while back I sold cars for a living. Over the course of 4 years I worked for 3 different dealerships. I sold new cars at 2 and used at the last one. When selling new cars I found that the majority of people buying the higher end cars honestly shouldn't have been - 80%+. They almost always came in owing more on the... |
What is the best asset allocation for a retirement portfolio, and why? | Aggressiveness in a retirement portfolio is usually a function of your age and your risk tolerance. Your portfolio is usually a mix of the following asset classes: You can break down these asset classes further, but each one is a topic unto itself. If you are young, you want to invest in things that have a higher retur... |
I am looking for software to scan and read receipts | NeatReceipts come up from time to time on woot.com. You can read up on the discussions which typically include several user testimonials at these past sales: |
mortgage vs car loan vs invest extra cash? | A point that hasn't been mentioned is whether paying down the mortgage sooner will get you out of unnecessary additional costs, such as PMI or a lender's requirement that you carry flood insurance on the outstanding mortgage balance, rather than the actual value/replacement cost of the structures. (My personal bugbear... |
Insurance broker - Online vs. physical location? | Traditional insurance agent guy here. There is no right answer in my opinion because your individual needs cannot be generalized. There are a variety of factors that influence the price charged to you including but not limited to your past claims history, geographic location, credit profile, and the carrier's book... |
How to acquire skills required for long-term investing? | Far and away the most valuable skill in investing, in my opinion, is emotional fortitude. You need to have the emotional stability and confidence to trust your decision making and research to hold on down days. |
Trouble sticking to a budget when using credit cards for day to day transactions? | The trick to using a credit card responsibly is accounting. With your old system, you were paying for everything out of your savings account. Everytime you had an expense, it was immediately withdrawn from your savings account, and you saw how much money you had left. Now, with a credit card, there isn't any money bei... |
Relative worth of investment versus spending for the economy | I believe you're looking for some sort of formula that will determine how changes in savings, investing, and spending will affect economic growth. If such a formula existed (and worked) then central planning would work since a couple of people could pull some levers to encourage more savings, or more investing, or mor... |
What happens when a (Internation) Central securities depository goes bankrupt? | There is no generic answer and it would depend on case to case basis. CSD are built on strong foundation in the sense they would have very low cost base and generally would not go bankrupt. However if such a situation as CSD provide an essential role, the regulator, central bank and Government would all step in to pr... |
What is a good rental yield? | The rule of thumb I have always heard and what we rent our rental house at is 1% per month at the minimum (in the US). The rent has to cover the mortgage, the property taxes, the homeowners insurance, your income taxes (on the rent), the maintenance of the property and the times when the property is vacant. Even at 1% ... |
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