Question stringlengths 14 166 | Answer stringlengths 3 17k |
|---|---|
How do I know when I am financially stable/ready to move out on my own? | It's hard to financially justify buying a house just for one person to live in. You end up being 'over-housed' (and paying for it). Would you rent a whole house for yourself? A condo might be an option - but TO ME the maintenance fees are hard to take (and they are notorious for increasing dramatically as the building... |
No transaction fee ETF trades - what's the catch? | AFAIK, It's also possible that the ETF company is paying Ameritrade for every trade you make. Even if your brokerage doesn't make you pay a fee to trade ETFs, the company that created and runs the ETF is still making money when you purchase and use their ETFs. See "What motivates each player?" at Yahoo Finance. |
Who receives the money when one company buys another? | It's tempting to think of a corporation as a real thing, because in many respects it seems to be. But it isn't a corporeal thing (despite the root word of the name). It may own corporeal things, and employ corporeal people, but it is not itself a real thing. Borrowing heavily from Prof Joseph Heath: It might be better ... |
What's the fuss about Credit Score / History? | Use credit and pay your bills on time. That's really about it. If you do that, you don't need to think about credit score. It's really a big distraction that is dwelled on too much. |
Business Investment Loss from prior year | You need to give specific dates! In the United States, you have three years to file an amended tax return. https://www.irs.gov/uac/Newsroom/Ten-Facts-about-Amended-Tax-Returns Did the restaurant fail in 2012? If so, that's probably the year to take the loss. If you need to amend your 2012 return, which you filed in 201... |
How will interest rate changes affect my government bonds ETF? | In general, yes. If interest rates go higher, then any existing fixed-rate bonds - and hence ETFs holding those bonds - become less valuable. The further each bond is from maturity, the larger the impact. As you suggest, once the bonds do mature, the fund can replace them at a market price, so the effect tails off. The... |
How to invest in gold at market value, i.e. without paying a markup? | if you bought gold in late '79, it would have taken 30 years to break even. Of all this time it was two brief periods the returns were great, but long term, not so much. Look at the ETF GLD if you wish to buy gold, and avoid most of the buy/sell spread issues. Edit - I suggest looking at Compound Annual Growth Rate an... |
Recommended education path for a future individual investor? | It depends on whether you want a career as a fund manager/ analyst or if you want to be an investor/ trader. A fund manager will have many constraints that a private investor doesn’t have, as they are managing other people’s money. If they do invest their own money as well they usually would invest it differently from... |
Tax consequences of changing state residency? | It also depends on where you work. If you move your home and your job then the date you establish residency in the new state is the key date. All income before that date is considered income for state 1, and all income on or after that date is income for state 2. If there is a big difference in income you will want t... |
Can I request to change 401k offerings from my employer, e.g. to invest in ETFs? | The presence of the 401K option means that your ability to contribute to an IRA will be limited, it doesn't matter if you contribute to the 401K or not. Unless your company allows you to roll over 401K money into an IRA while you are still an employee, your money in the 401K will remain there. Many 401K programs offer ... |
How important is reconciling accounts for a small LLC (Quickbooks)? | I would suggest opening a new account (credit card and bank) for just your business. This protects you in multiple ways, but is no bigger burden for you other than carrying another card in your wallet. Then QB can download the transactions from your website and reconciling is a cinch. If you got audited, you'd be in f... |
Do retailers ever stock goods just to make other goods sell better? | That happens all the time. The best situation for this to happen is when you have several products, each a bit better and a bit more expensive than the other, and you add a new product which is the cheapest. That gets people into the store to look at the cheapest product, and then you show the the next more expensive w... |
Why are taxes on actively managed funds higher than those on index funds? | This depends on the particular index, of course. Capital gains taxes occur when stock is sold (for a profit). This occurs less frequently in an index fund: Where an active manager frequently buys and sells stocks (after all, he wants to be active :-) ), the index fund only sells stocks when the particular stock leaves ... |
How much in cash equivalents should I keep in the bank? [duplicate] | In personal finance circles this is called an Emergency Fund. There are many opinions about how big it needs to be but most seem to come in around 3-6 months worth of your average expenses. Any more than that and you're going to loose money to inflation, less and you will start having problems if you get laid off or ha... |
When is it worth it to buy dividend-bearing stocks? | Yes, they are, and you've experienced why. Generally speaking, stocks that pay dividends will be better investments than stocks that don't. Here's why: 1) They're actually making money. They can finagle balance sheets and news releases, but cash is cash, it tells no lies. They can't fake it. 2) There's less good the... |
Credit card statement dates follow pattern? | My guess: they are giving you a constant number of days between when the bill is sent and when it is due. Due dates are usually set either: same date each month IE the 3rd of each month. same day IE first thursday of the month. Note: due date might vary based on weekends. Number of days in the month - date on bill sh... |
Credit Card Points from Refund | Because your friend isn't going to like the ~2% charge they have to pay to the credit card company on the $10,000 purchase. Credit card companies make money off of transactions. The cardholder normally doesn't pay any transaction fees (and in fact can make a profit via rewards), but the merchant has to pay a certain am... |
How to explain quick price changes early in the morning | You may simply be asking why stocks 'gap up' or 'gap down' when the stock market opens. This is because the price adjusts to news that occurred while the exchanges were closed overnight. Perhaps Asian stocks crashed, or perhaps a news story was released in the New York Times about some major company. There are thousand... |
How much money do you have to make every year before you have to pay tax? | I'm not confident that the requirements for 2017 are up yet, but assuming they don't change much from those of 2016, then probably not if you have no other earnings this year. If you make $500 a month, then you will make $6,000 this year. This is below the filing requirements for most taxpayers, unless you are married... |
Are founders of a company paid dividends? | Depends on if the stock pays a dividend or not. Some companies in their early years may choose to not pay dividends. Your calculations are off as the dividend stated is annual that you'd have to divide by 4 to get what the quarterly amount would be and there can be variances as Ellison's compensation package may well i... |
How to start personal finances? | A few practical thoughts: A practical thing that helps me immensely not to loose important paperwork (such as bank statements, bills, payroll statement, all those statements you need for filing tax return, ...) is: In addition to the folder (Aktenordner) where the statements ultimately need to go I use a Hängeregistrat... |
Should I Use an Investment Professional? | Yes. The investment world is extremely fast-paced and competitive. There are loads of professional traders with supercomputers working day in and day out to make smarter, faster trade decisions than you. If you try to compete with them, there’s a better than fair chance you’ll lose precious time and money, which kind ... |
Understanding option commission costs | The option commissions with IB for trading in the US market are between $0.25 to $0.70 per contract. However if you are looking to trade in Canada, where you are from, their option commission for Canada are $1.50 per contract (as you mention in your question). Note that each contract is for 100 shares, so if you wanted... |
Lending to the bank | The easiest way would be to set up a common savings account. Most of them pay some meager interest rate, and over one night it would be especially meager. A Certificate of Deposit is another way, but you'd have to lock the funds in for an extended period of time. |
Is a car loan bad debt? | Here is another way to look at it. Does this debt enable you to buy more car than you can really afford, or more car than you need? If so, it's bad debt. Let's say you don't have the price of a new car, but you can buy a used car with the cash you have. You will have to repair the car occasionally, but this is generall... |
Paying over the minimum mortgage payment | First off, putting extra cash toward a mortgage early on, when most of the payments are going to interest, is the BEST time. If you pay an extra $1 on your mortgage today, you will save 30 years worth of interest (assuming a 30 year mortgage). If in 29 years you pay an extra dollar, you will only save 1 year worth of ... |
Discussing stock and stock index movement: clarifying percentage vs. points? | As I write this, the NASDAQ Composite is at 2790.00, down 6.14 points from yesterday. To calculate the percentage, you take 6.14 and divide by yesterday's close of 2796.14 to yield 0.22%. In your example, if SPY drops from 133.68 to 133.32, you use the difference of -0.36 and divide by the original, i.e. -0.36/133.68 =... |
If something is coming into my account will it be debit or credit in my account? | The bank will make this even more confusing because they use the terms from their own perspective. From the bank's perspective (printed on your statements) credit: Money into your account (increases the bank's liabilities) debit: Money out of your account (decrease bank liabilities) From your perspective: It depends... |
What could be the harm in sharing my American Express statements online? | Call me overly paranoid, but letting unknown people know your charges and your personal information is asking for trouble. They know who you are and how to find you and how much money you typically make. If they are decent people - okay, but otherwise they have good ground for comitting a crime against you - blackmail ... |
When a stock price goes down, does the money just disappears into thin air? | Yes and no. There is no actual money involved - just assumed value. Imagine you own a picture that you painted yourself, and all your friends agree it is worth 1000 $. You feel like you have a 1000 $-picture. Now a guy with some more knowledge visits you, and tells you that it is really only worth about a 100 $. Did yo... |
Why is financial data of some public companies not available on Yahoo Finance? | http://www.pacificrubiales.com/investor-relations/reports.html does have financial reports on their website for the example you list. There is the potential for some data to not be easily imported into a format that Yahoo! Finance uses would be my guess for why some data may be missing though an alternative explanatio... |
At what interest rate should debt be used as a tool? | It's not so much the rate of the debt as it is the total cost of the debt relative to the gain you expect to see from using it to purchase something of value. I've known people who were quite happy to pay 12% on personal loans used to buy investment properties for flipping. They're happy to pay that because convention... |
Financing Education through Credit Card or Student Loans | If you are very sure, say 90%, that you'll pay the zero percent card off before paying interest, that would be my choice. Less certainty than that, I think the 6.8% over a longer term is less of a cash flow issue, and you can still pay it in full upon getting the job bonus. |
Does an employee have the right to pay the federal and state taxes themselves instead of having employer doing it? | No. An employer is legally obliged to deduct taxes from your pay cheque and send them to the IRS. The only way round that is to either provide evidence of deductions that would reduce your tax bill to nothing, or to become self-employed. |
US Bank placing a hold on funds from my paycheck deposit: Why does that make sense? | It is possible that they only do the hold on the first deposit from a given source. It is probably worth asking if they intend to do the hold on every paycheck or just the first one. |
Is income from crypto-currencies taxed? | Mining is income at the value at time of earning, I would use an index like XBX to determine price. Asset appreciation is capital gains. These aspects of crypto-assets are not a gray area in the US financial sector, and have been addressed for almost half a decade now. |
How to invest in Japan's stock market from the UK | Use an exchange traded fund ETF, namely SPDR MSCI Japan EUR Hdg Ucits ETF. It is hedged and can be bought in the UK by this broker State Street Global Advisors on the London Stock Exchange LSE. Link here. Article on JAPAN ETF hedged in Sterling Pound here. |
What is a typical investment portfolio made up of? | Most people carry a diversity of stock, bond, and commodities in their portfolio. The ratio and types of these investments should be based on your goals and risk tolerance. I personally choose to manage mine through mutual funds which combine the three, but ETFs are also becoming popular. As for where you keep your p... |
Where can I get interesting resources on Commodities? | I would recommend that go through some forums where commodities topics be discussed so that if you have some issues related any point in commodities investment you will easily get your question sort out. |
standard method for learning more about a specific sector? (particularly biotech sector) | The important piece here is not necessarily understanding intimate details of biological engineering per se, but rather understanding how the business operates as a singular unit. It is also important to understand the business case for a firm, the evolution of demand for its products/services and the cost of its reven... |
Why don't banks give access to all your transaction activity? | I would say a lot of the answers here aren't quite right. The main issue here is that banking is a highly oligopolous industry - there are few key players (the UK, for example, has only 5 major banks operating under a variety of brands: it's all the same companies underneath) and the market is very, very hard to enter ... |
Will a stop order get triggered if the floor is hit and trading is halted? | quantycuenta is right, if a halt is in place, then no trading will occur, simple as that. But in the practice of risk management it is a little different. Want to remind you that you are assuming that trading is halted immediately upon the drop in price. That doesn't always happen, so if there is any time between the a... |
Unrealized Profit & Loss for Non-Stock Securities | Suddenly its not just comparing the current price to the price of the contract, or is it? Sure it is. Suppose you bought 100 option contracts (each for 100 shares) and paid a $1 per share premium ($10,000 total). Now those options are trading for $1.50 per share. You have an unrealized $0.50 gain per share, or $5,00... |
Early Exercise and 83(b) Election | You mention "early exercise" in your title, but you seem to misunderstand what early exercise really means. Some companies offer stock options that vest over a number of years, but which can be exercised before they are vested. That is early exercise. You have vested stock options, so early exercise is not relevant. (I... |
How are proceeds from writing covered calls taxed? | The tax comes when you close the position. If the option expires worthless it's as if you bought it back for $0. There's a short-term capital gain for the difference between your short-sale price and your buyback price on the option. I believe the capital gain is always short-term because short sales are treated as sho... |
Is an analyst's “price target” assumed to be for 12 months out? | Analysts normally (oxymoron here) gauge their targets on where the stock is currently and more importantly where it has been. Except for in the case of say a Dryships where it was a hundred dollar stock and is now in the single digits, it is safe to assume that Apple for instance was well over $ 700 and is now at $500,... |
Electric car lease or buy? | I would like to add that from my own research, a pro to leasing over buying a new vehicle would be that with the lease the entire 7,500 federal incentive is applied directly to the lease, or so they say. If you buy a new car you get a 7,500 federal tax incentive also but if you dont have 7,500 bucks in taxes this wont ... |
How do you find reasonably priced, quality, long lasting clothing? | According to this http://shine.yahoo.com/event/financiallyfit/cheapest-days-to-shop-online-2301854/ Tuesday is the best day of the week to buy men's apparel. |
How long can a company keep the money raised from IPO of its stocks? | You realize that most of the money raised through the IPO process doesn't go into the company's bank account? Those shares were shares that were held by the investors and original owners and it's those prior pre-IPO shareholders that got their money back along with a tidy profit. The cash on its books was there before... |
Is working on a W2 basis, with benefits paid to me, a good idea? | It's hard to answer without knowing all of the details (i.e. what was your salary for each of the options), but I think you probably made a good choice. 1099: Would have required you to pay self-employment tax, but also would have allowed you to deduct business expenses. W2 with benefits: Likely would have been benefic... |
Advantages of paying more of your mortgage while you know you won't continue to live there your whole life | It's pretty simple - the less money you owe the less interest you pay. Paying down debt gives a guaranteed return of the interest rate of the debt. So paying off your starter loan is equivalent to a 4% return. That's not a bad return in the current environment so it makes sense to do it unless you can find an invest... |
Why are the banks and their customers in the United States still using checks? [duplicate] | In a system where electronic payment is well developed you can consider the following 2 scenarios: Now let us zoom in. Regardless of what costs are actually charged, it should not be hard to see which system is most (real cost) efficient once electronical payments are well developed. And so, the conclusion is not hard ... |
Why do people always talk about stocks that pay high dividends? | The answer, for me, has to do with compounding. That drop in price post-ex-div is not compounded. But if you reinvest your dividends back into the stock then you buy on those post-ex-div dips in price and your money is compounded because those shares you just bought will, themselves, yeald dividends next quarter. Also... |
What can I take from learning that a company's directors are buying or selling shares? | This could be another reason. "Companies buy their own stock in the market place to reduce the number of shares outstanding, and thus boosts the earnings per share. It also boosts the stock price, which benefits management that has stock options. " Taken from this article. http://www.forbes.com/sites/investor/2014/01/... |
Is this investment opportunity problematic? | Adding to what others have said, if the mortgage for the new house is backed by the federal government (e.g., through FHA or is to be sold to Fannie Mae/Freddie Mac) you would be violating 18 USC § 1001, which makes making intentionally false statements to any agent or branch of the federal government a crime punishabl... |
Calculating Pre-Money Valuation for Startup | The value of a business without proven profits is really just a guess. But to determine what % ownership the VC takes some measure must be used. He is asking the OP to start the negotiations. So you start high - higher than you will settle for. The value of the business should always be WAY more the $$ you have put ... |
Why are credit cards preferred in the US? | Credit card fraud protection (by law), credit card cash back programs (provided by most CC issuers), and debit card fees (commonly imposed by the merchant). The crux is that with CC transactions, a small percentage is remitted to the issuing bank. Since the banks are already making money hand over fist on CC's, they i... |
Evaluating an endowment policy for its fairness against other tax saving options in India such as PPF, EPF and even FDs | Or am missing something? Yes. The rate of 8.53 is illustration. There is no guarantee that the rate will be applicable. My yearly premium is Rs. 26289. On this amount I will save tax of Rs. 7887. So net premium is Rs. 18402. The other way to look at this is invest Rs 26289 [or actually less of Eq Term Deposit premium]... |
What should I be doing to protect myself from identity theft? | Here are a handful of measures I take myself: I check my credit reports once in a while and look for anything out of the ordinary. If somebody calls me on the telephone claiming to be from my bank or credit card company, utility, etc. I ask for their number, check it, and call them back. I don't give personal informat... |
Is it really possible to get rich in only a few years by investing? | Short answer: Not likely. Long answer: As a rule of thumb, over the long run if you are generating 20% compounded returns on your money consistently, you are doing very good. Since in the average case your 10k would compound to $61.4k YoY, you are very unlikely to be rich in a decade starting with 10k. |
Are these really bond yields? | Yes those are really yields. A large portion of the world has negative yielding bonds in fact. This process has been in motion for the past 10 years for very specific reasons. So congratulations on discovering the bond market. |
First job: Renting vs get my parents to buy me a house | Personally, I started renting out because I couldn't afford to buy a place but now I'm quite comfortably past that point. My three main issues are: These views aren't for everyone but I find it hard to seriously contemplate dealing with 2 while 1 and 3 are issues. To be honest, I found that I learned a lot sharing a... |
Need something more basic than a financial advisor or planner | Yes, there is a profession that does exactly what you're looking for. It's called a fee-only financial advisor. These are professionals who (in the United States) enter into a fiduciary relationship with a client, meaning they are legally required to put your financial interests above all other considerations (such as... |
Simple and safe way to manage a lot of cash | Overall I think your idea is sound. The key here is to choose that 401k provider wisely and have a specific asset allocation plan (like Joe mentioned) Summary of this approach: Pluses: Minuses: I'd consider Vanguard for simple, no frills investing. If you're looking to get into choosing stocks, check out the Motley F... |
When can you use existing real estate as collateral to buy more? | You put 20% down and already owe the 80% or $80k, so you don't have the ability to borrow $100k or even $20k for that matter. As LittleAdv stated, the banks have really tightened their lending criteria. Borrowing out more than 80% carries a high premium if you can get it at all. In your example, you want the property ... |
Is there any way to buy a new car directly from Toyota without going through a dealership? | As others have addressed the legality in their answers, I want to address the idea of the dealership being 'a middleman'. A dealership serves more of a purpose than just 'middlemanning' a car to a consumer. Actually, they consume a great deal of risk. Let's remember that a dealership is really an extension of the OEM, ... |
As an independent contractor, should I always charge the client the GST/HST? | Hourly rate is not the determinant. You could be selling widgets, not hours. Rather, there's a $30,000 annual revenue threshold for GST/HST. If your business's annual revenues fall below that amount, you don't need to register for GST/HST and in such case you don't charge your clients the tax. You could still choose t... |
How do I find a good mutual fund to invest 5K in with a moderately high amount of risk? | Just find a low cost S&P 500 index fund, and spend your time reading The Great Mutual Fund Trap instead of wasting your time and money picking actively managed funds. |
What could cause a stock to trade below book value? | all of these examples are great if you actually believe in fundamentals, but who believes in fundamentals alone any more? Stock prices are driven by earnings, news, and public perception. For instance, a pharma company named Eyetech has their new macular degeneration drug approved by the FDA, and yet their stock price ... |
Why does selling and then rebuying stock not lead to free money? | You are misunderstanding what makes the price of a stock go up and down. Every time you sell a share of a stock, there is someone else that buys the stock. So it is not accurate to say that stock prices go down when large amounts of the stock are sold, and up when large amounts of the stock are bought. Every day, the... |
How to handle Client Deposits in Xero (or any finance software, really) | I haven't worked with Xero before, but can't you just set it up as accounts payable? Put in an accounts payable for the contract. When the client makes a payment, the accounts payable goes down and the cash goes up. |
Are companies like EquityZen legitimate and useful? | Stuff I wish I had known, based on having done the following: Obtained employment at a startup that grants Incentive Stock Options (ISOs); Early-exercised a portion of my options when fair market value was very close to my strike price to minimize AMT; made a section 83b) election and paid my AMT up front for that tax... |
What assets would be valuable in a post-apocalyptic scenario? | Barton Biggs's book Wealth, War and Wisdom aims to answer the question of what investments are best-suited to preserving value despite large-scale catastrophes by looking at how various investments and assets performed in countries affected by WWII. In Japan, stocks and urban land turned out to be good investments; in... |
Avoiding sin stock: does it make a difference? | This question drives at what value a shareholder actually provides to a corporation, and by extent, to the economy. If you subscribe for new shares (like in an Initial Public Offering), it is very straightforward to say "I have provided capital to the corporation, which it is using to advance its business." If you buy ... |
What's the best way to make money from a market correction? | If you are sure you are right, you should sell stock short. Then, after the market drop occurs, close out your position and buy stock, selling it once the stock has risen to the level you expect. Be warned, though. Short selling has a lot of risk. If you are wrong, you could quite easily lose all $80,000 or even substa... |
Is it really possible to get rich in only a few years by investing? | Yes, it's possible. However, it's not likely, at least not for most people. Earning a million is not that difficult, but when you talk about billions that's an entirely different story. I think the key point that you're missing is leverage. It's common knowledge that Warren Buffett likes to have a huge cash warchest at... |
Why would someone buy a way out-of-the-money call option that's expiring soon? | It could be that the contracts were bought at cheaper prices such as $.01 earlier in the day. What you see there with the bid and ask is the CURRENT bid and CURRENT ask. The high ask price means there is no current liquidity, as someone is quoting a very high ask price just in case someone really wants to trade that pr... |
Calculate time to reach investment goals given starting balance? | Here's a formula; I had to go over to SEMath, use their MathJax to compose the answer and then paste this screen shot. As a result, I can't fix a typo: "ST" is the same as "St" |
Can I open a personal bank account with an EIN instead of SSN? | According to IRS Publication 1635, Understanding your EIN (PDF), under "What is an EIN?" on page 2: Caution: An EIN is for use in connection with your business activities only. Do not use your EIN in place of your social security number (SSN). As you say your EIN is for your business as a sole proprietor, I would also ... |
Ideal investments for a recent college grad with very high risk tolerance? | If you have been putting savings away for the longer term and have some extra funds which you would like to take some extra risk on - then I say work yourself out a strategy/plan, get yourself educated and go for it. If it is individual shares you are interested then work out if you prefer to use fundamental analysis, ... |
HELOC vs. Parental Student Loans vs. Second Mortgage? | First of all, I'm happy that the medical treatments were successful. I can't even imagine what you were going through. However, you are now faced with a not-so-uncommon reality that many households face. Here's some other options you might not have thought of: I would avoid adding more debt if at all possible. I wo... |
How can I help my friend change his saving habits? | Get him the book "Total Money Makeover" (http://www.amazon.com/Total-Money-Makeover-Classic-Financial/dp/1595555277/ref=sr_1_1?ie=UTF8&qid=1448904191&sr=8-1&keywords=total+money+makeover) and tell him to follow the baby steps. If he comes to you again or doesn't follow your advice, remind him to follow the baby steps. ... |
Should market based health insurance premiums be factored into 6 months emergency fund savings? | The guideline for the size of an emergency fund is just a guideline. I've usually heard it expressed as "3 to 6 months," but everyone has a different idea of exactly how big it should be. The purpose of the fund is to give you enough cash to be able to pay for unexpected expenses that have come up that you have not bu... |
Does the Black-Scholes Model apply to American Style options? | Black-Scholes is "close enough" for American options since there aren't usually reasons to exercise early, so the ability to do so doesn't matter. Which is good since it's tough to model mathematically, I've read. Early exercise would usually be caused by a weird mispricing for some technical / market-action reason whe... |
What's an economic explanation for why greeting cards are so expensive? | As one answer points out, people buying greeting cards care little about whether they cost 25 cents or $5. Those are both small amounts of money and it's not something you buy often---also people feel the need to spend money because it's a gift. On the supplier side, it should be noted that the cost of cards has littl... |
How are stock buybacks not considered insider trading? | Buybacks do not increase the company's value. Cash is traded for outstanding shares. This is similar to a dividend, but instead of cash, investors receive a rising share-price. Whether an investor prefers a cash dividend or capital gains is less important than the outcome that their investment is gaining value for them... |
Historical data files for NYSE/NASDAQ daily open/close price data? | I think Infochimps has what you are looking for: NYSE and NASDAQ. |
What scrutiny to expect if making large purchase with physical cash? [duplicate] | http://www.consumerismcommentary.com/buying-house-with-cash/ It looks like you can, but it's a bad idea because you lack protection of a receipt, there's no record of you actually giving the money over, and the money would need to be counted - bill by bill - which increases time and likelihood of error. In general, p... |
Fetching technical indicators from yahoo api | Still working on exact answer to question....for now: (BONUS) Here is how to pull a graphical chart with the required data: Therefore: As r14 = the indicator for RSI. The above pull would pull Google, 6months, line chart, linear, large, with a 50 day moving average, a 200 day exponential moving average, volume, an... |
How to take advantage of home appreciation | Assuming "take advantage" means continue to build wealth, as opposed to blow it all on a fancy holiday... Downgrade As you already note, you could downgrade/downsize. This could happen via moving to a smaller house in the same area, or moving to an area where the cost of buying is less. HELOC Take out a Home Equity L... |
what is difference between stock and dividend? | From Wikipedia - Stock: The stock (also capital stock) of a corporation constitutes the equity stake of its owners. It represents the residual assets of the company that would be due to stockholders after discharge of all senior claims such as secured and unsecured debt. Stockholders' equity cannot be withdrawn... |
What are the advantages of doing accounting on your personal finances? | In my opinion, every person, regardless of his or her situation, should be keeping track of their personal finances. In addition, I believe that everyone, regardless of their situation, should have some sort of budget/spending plan. For many people, it is tempting to ignore the details of their finances and not worry ... |
Buying a multi-family home to rent part and live in the rest | You are a "strategic" investor, which is to say that you are in the best position to evaluate the deal because you already live there. Others don't have this advantage going in, which is why they might not be inclined to do what you're doing. Your biggest advantage is that you know at least one tenant. In essence, you ... |
TD Webbroker.ca did not execute my limit sell order even though my stock went .02 over limit | On most exchanges, if you place a limit order to sell at 94.64, you will be executed before the market can trade at a higher price. However most stocks in the US trade across several exchanges and your broker won't place your limit order on all exchanges (otherwise you could be executed several times). The likeliest re... |
Why is stock dilution legal? | Alot of these answers have focused on the dilution aspect, but from a purely legal aspect, there are usually corporate bylaws that spell out what kind of vote and percentage of votes is needed to take this type of action. If all other holders of stock voted to do this, so 90% for, and you didn't, so 10% against, it's ... |
New to investing — I have $20,000 cash saved, what should I do with it? | Another thought: Higher education in the US is frightfully expensive with the sticker price for a 4-year undergraduate degree at a decent private college us sitting at around $250,000 and rising fast. Consider starting a 529 savings plan especially if you planning on more kids. |
Work on the side for my wife's company | My understanding (I am not a lawyer or tax expert) is that you are not allowed to work for free, but you can pay yourself minimum wage for the hours worked. There are probably National Insurance implications as well but I don't know. The main thing is, though, that if HMRC think that you've set up this system as a tax ... |
Retirement Savings vs. Student Loan payments | You can play with the numbers all you like (and that's good), however, here is a different way to look at it. The debt you have is risk. It limits your choices and eats your cash flow. Without the debt, you can invest at a much greater rate. It frees up you cash flow for all the things you might want to do, or decide ... |
What's an economic explanation for why greeting cards are so expensive? | It'll all about the marketing. If you don't get a "real" greeting card for that important birthday or anniversary or whatever, the recipient may thing you're being cheap for using a card you printed out yourself. So you pay $6 for a card because you feel like you have to. Hallmark advertises with those sappy TV commerc... |
What publicly available software do professional stock traders use for stock analysis? | Bloomberg is very popular, especially for researching individual companies. Market QA and Factset are popular for analyzing data. Microsoft Excel and Matlab are very common for analyzing the data. Lots of time traders will take data from Bloomberg, Market QA, Factset or where ever, and then actually preform their anal... |
Subsets and Splits
No community queries yet
The top public SQL queries from the community will appear here once available.