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How does a delta signify the probability of expiring in the money | Just for clarification, delta and probability of expiring in the money are not the same thing. What the guy meant was that delta is usually a close enough approximation to the probability. One way to think about it is to look at the probabilities and deltas of In the Money, Out of the Money, and At the Money options. I... |
Is 401k as good as it sounds given the way it is taxed? | Be sure to consider the difference between Roth 401K and standard 401K. The Roth 401K is taxed as income then put into your account. So the money you put into the Roth 401K is taxed as income for the current year, however, any interest you accumulate over the years is not taxed when you withdraw the money. So to break... |
Buying a house 50/50 | This question is really a variation of rent vs buy. Try looking at it this way - If you bought it 50/50 and rented it out, what would you both get? Now, moved in, you are effectively collecting that rent, but half is your own money, half is from the partner. Is the half you are getting the from the partner equal to 1... |
Higher returns from international markets? | Tricky question, basically, you just want to first spread risk around, and then seek abnormal returns after you understand what portions of your portfolio are influenced by (and understand your own investment goals) For a relevant timely example: the German stock exchange and it's equity prices are reaching all time hi... |
What can cause rent prices to fall? | Sure! Anything that affects the balance of supply and demand could cause rent prices to fall. I'll betcha rent prices in Wilmington, Ohio collapsed when the biggest employer, DHL, shut down. An economic depression of any sort would cause people to substitute expensive rentals for cheaper ones, putting downward pressure... |
Do I have to explain the source of *all* income on my taxes? | Nah. Fill it in on the line that says "Other Income" with type of "5th Amendment". There's lots of reasons why you might want to do this, and it's the government's job to find out which one, and they're not allowed to use the bare fact that you put 5th Amendment there to open an investigation. |
Are limit orders safe? | I assume you're talking about a sell order, not a buy order. When you place a limit sell order, your order is guaranteed to be placed at that price or higher. If the market is currently trading much higher than the price of your sell order, then your mistakenly low limit order will be essentially a market order, and w... |
How do you find reasonably priced, quality, long lasting clothing? | Use resources like Consumer Reports and recommendations from like-minded friends to figure out brands which have a reputation for making quality clothes. Then trust, but verify. Ideally have a friend who sews a lot go with you on a clothing expedition if you don't know how to determine quality in clothing. People w... |
Interactive Brokers Margin Accounts | Scenario 1 - When you sell the shares in a margin account, you will see your buying power go up, but your "amount available to withdraw" stays the same until settlement. Yes, you can reallocate the same day, no need to wait until settlement. There is no margin interest for this scenario. Scenario 2 - If that stock is... |
At what point do index funds become unreliable? | Private investors as mutual funds are a minority of the market. Institutional investors make up a substantial portion of the long term holdings. These include pension funds, insurance companies, and even corporations managing their money, as well as individuals rich enough to actively manage their own investments. ... |
Which type of investments to keep inside RRSP? | Everything else can be held inside or outside your registered account depending on your investment or tax needs |
How long should I keep my bills? | Shred it all. You might want to keep a record going back at most a year, just in case. But just in case of what? What is a good idea is to have an electronic record. It's a good practice to know how your spending changes over time. Beyond that, it's just a fire hazard. The thing is, I know I'm right in the above p... |
Why is the price of my investment only updated once per day? | Mutual funds are only traded once per day, while other securities can be traded any time during the day. Mutual funds are actually a collection of other things that have value, such as stocks. The price of a mutual fund is calculated at the end of the day after the market closes by looking at how much the collection of... |
What is a trust? What are the different types of trusts? | Trusts are a way of holding assets with a specific goal in mind. At its simplest, a trust can be used to avoid probate, a sometimes lengthy process in which a will is made public along with the assets bequeathed. A trust allows for fast transfer and no public disclosure. Depending on the current estate tax laws (the de... |
Should I get cash from credit card at 0% for 8 months and put it on loans? | If there is any fee at all on the cash advance, and zero interest on the student loans (for now), it's not worth it mathematically. And for only 8 months of "free" money, it's rare for it to be worth it overall. You need to save a significant amount either by having a good net interest rate (e.g., saving 20% on anothe... |
Dollar-cost averaging: How often should one use it? What criteria to use when choosing stocks to apply it to? | Why do people keep talking about 401K's at work? That is NOT dollar cost averaging. DCA refers to when you have a large sum of money. Do you invest it all at once or spread it out over several smaller purchases over a period of time? There really isn't a "when" should I use it. It is simply a matter of where your ... |
What am I actually buying when trading in CFDs | The product itself is a derivative as it derives its value from another stock or commodity. It's similar to a US option, which offers (in the case of a 'call') the right, but not the obligation to buy a stock at a predetermined price before a certain date. But, unlike the US option, instead of buying the stock, the co... |
What are the best software tools for personal finance? | Excel Pros: Cons: |
If I believe a stock is going to fall, what options do I have to invest on this? | Shorting Stocks: Borrowing the shares to sell now. Then buying them back when the price drops. Risk: If you are wrong the stock can go up. And if there are a lot of people shorting the stock you can get stuck in a short squeeze. That means that so many people need to buy the stock to return the ones they borrowed tha... |
Would I qualify for a USDA loan? | All the above advices plus this: For you first house, you should start smaller. Buy a 100k or less condo if possible, then grow from there. You sell every 5 years or so when the market is favorable and you will slowly get to that nice 250k house. |
Is short selling a good hedging strategy during overzealous market conditions? | The problem with short would be that even if the stock eventually falls, it might raise a lot in the meantime, and unless you have enough collateral, you may not survive till it happens. To sell shares short, you first need to borrow them (as naked short is currently prohibited in US, as far as I know). Now, to borrow... |
What is good growth? | In One Up on Wall Street, Peter Lynch suggested that there are six major aspects to choosing growth stocks: |
give free budgeting advice | They've asked you, so your advice is welcome. That's your main concern, really. I'd also ask them how much, and what kind of advice. Do they want you to point them to good websites? On what subjects? Or do they want more personal advice and have you to look over their bank accounts and credit card statements, provi... |
Advice for college student: Should I hire a financial adviser or just invest in index funds? | Exactly what you do with the money depends on various personal choices you'll have to make for yourself. Investing your money in Vanguard index funds such as the ones you mentioned is certainly one smart move. However, I think you're quite right to be suspicious of an advisor with a 1% fee. In many cases, such advis... |
Do I owe taxes in the US for my LLC formed in the US but owned by an Indian citizen? | This is a complicated question that relies on the US-India Tax Treaty to determine whether the income is taxable to the US or to India. The relevant provision is likely Article 15 on Personal Services. http://www.irs.gov/pub/irs-trty/india.pdf It seems plausible that your business is personal services, but that's a fa... |
2 houses 450k each or one 800k? | Having someone else paying you rent is always going to be the better deal financially. The question is, what does $450k buy in the neighborhood in which you want to live, vs $800k? I'm going to assume you can afford either option (buying a $450k home and not selling, or an $800k home and selling your current one) wheth... |
Why is retirement planning so commonly recommended? | I like many of the answers, but here is a summary of reasons: Almost everyone will retire, and it is almost certain that government or company pensions schemes will not alone give you a lifestyle you would like in retirement. Money invested early is worth much more in retirement than money invested late, thanks to the ... |
Preferred vs Common Shares in Private Corporation | To follow up on Quid's comment, the share classes themselves will define what level of dividends are expected. Note that the terms 'common shares' and 'preferred shares' are generally understood terms, but are not as precise as you might believe. There are dozens/hundreds of different characteristics that could be wri... |
Why not just invest in the market? | Let me start by giving you a snippet of a report that will floor you. Beat the market? Investors lag the market by so much that many call the industry a scam. This is the 2015 year end data from a report titled Quantitive Analysis of Investor Behavior by a firm, Dalbar. It boggles the mind that the disparity could be... |
Dividends - Why the push to reinvest? | There can be a good reason if you own shares issued in a different country: For example, if you are in the UK and own US shares and take the dividend payments, you get some check in US dollars that you will have to exchange to UK£, which means you pay fees - mostly these fees are fixed, so you lose a significant percen... |
Are multiple hard inquiries for a specific loan type okay? | Assuming I don't need any other new lines of credit, can I get pre-qualified repeatedly (and with different banks) with impunity? Yes, but only for a limited period. FICO says: Hard inquiries are inquiries where a potential lender is reviewing your credit because you've applied for credit with them. These include credi... |
How many days do I have to hold a stock before it is considered a capital gain by the CRA? | You don't have to wait. If you sell your shares now, your gain can be considered a capital gain for income tax purposes. Unlike in the United States, Canada does not distinguish between short-term vs. long-term gains where you'd pay different rates on each type of gain. Whether you buy and sell a stock within minutes... |
What is the point of the stock market? What is it for, and why might someone want to trade or invest? | In finance, form is function, and while a reason for a trade could be anything, but since the result of a trade is a change in value, it could be presumed that one seeks to receive a change in value. Stock company There may have been more esoteric examples, but currently, possession of a company (total ownership of its... |
How to calculate cash loss over time? | It helps to put the numbers in terms of an asset. Say a bottle of wine costs 10 dollars, but the price rises to 20 dollars a year later. The price has risen 100%, and your dollars have lost value. Whereas your ten used to be worth 100% of the price of bottle of wine, they now are worth 50% of the risen price of a bottl... |
What is the meaning of realization in finance? | Realization is, literally, when something is made real. For example, let's say that you own some stock. You bought the stock for $1000, and after many years the stock is worth $10,000. Your investment has gained $9,000. However, you don't actually have this $10,000; you just own stock that is supposedly worth $10,00... |
Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? | yes and no its definitely not charitable as they are making money of off you but depending on the outside conditions if you had to pay a mortgage on that condo with only 35k in payments to start off it would more than likely exceed 500 dollars a month however there would always be a point were the mortgage would end an... |
Can I profit from anticipating a drop in value? | To expand on the comment made by @NateEldredge, you're looking to take a short position. A short position essentially functions as follows: Here's the rub: you have unlimited loss potential. Maybe you borrow a share and sell it at $10. Maybe in a month you still haven't closed the position and now the share is trad... |
Saving money in college while paying for college | I wouldn't recommend trying to chase a good return on this money. I'd just put it into a savings account of some sort. If you can get a better interest rate with an online account, then feel free to do that. I'd recommend using this money to pay for as much of college out of pocket as you can. The more student loan... |
How to value employee benefits? | Health insurance varies wildly per state and per plan and per provider - but check them out to have a baseline to know what it should cost if you did it yourself. Don't forget vacation time, too: many contract/comp-only jobs have no vacation time - how much is that 10 or 15 days a year worth to you? It effectively mean... |
Is it possible to see option prices from the past? | Yes, past option prices are available for many options, but as far as I know not for free. You can get them from, for example, OptionMetrics. Probably there are other providers as well, which may be cheaper for an individual or small institution. OptionMetrics data comes from the National Best Bid and Offer. Probabl... |
Bank will not accept loose change. Is this legal? | Is this even legal? How can a bank refuse to deposit legal tender in the United States? Legal for all debts, public or private, doesn't mean quite what I used to think, either. Per The Fed: This statute means that all United States money as identified above is a valid and legal offer of payment for debts when tend... |
Is it ever logical to not deposit to a matched 401(k) account? | The original question was aimed at early payment on a student loan at 6%. Let's look at some numbers. Note, the actual numbers were much lower, I've increased the debt to a level that's more typical, as well as more likely to keep the borrower worried, and "up at night." On a $50K loan, we see 2 potential payoffs. A ... |
Switch from DINK to SIWK: How do people afford kids? | If you want to have your wife stay home with kids, you'll have to make a plan to get there. As you point out, your situation right now won't support this. Create a budget that will work for you with a single income -- a "zero based" budget, not a budget based on your current expense structure. Figure out what you can a... |
How to calculate ownership for property with a partner | i would recommend that you establish a landlord/tenant relationship instead of joint ownership (ie 100% ownership stake for one of you vs 0% for the other). it is much cleaner and simpler. basically, one of you can propose a monthly rent amount and the other one can chose to be either renter or landlord. alternatively... |
Does a budget comprise expenses, and/or revenue? | Budget means both expenses and revenue. In quite a few cases, say personal finance, typically one refers to budget more from expenses point of view as the revenue is typically fixed/known [mostly salary]. The Operating budget and capital budget are laid out separately as Operating budget gives out day to day expenses... |
How much time does a doctor's office have to collect balance from me? | Seems like the doctor's office is not very organized. Ask for a line itemized bill. You want the date and the specific service(s) performed on those dates. If the bill seems fair and correct, try to negotiate cash discount payment. Ask how much they would settle for if you paid cash. If it is higher than you were think... |
How should I handle taxes for Minecraft server donations? | First to clear a few things up. It is definitely not a gift. The people are sending you money only because you are providing them with a service. And for tax purposes, it is not a "Donation". It has nothing to do with the fact that you are soliciting the donation, as charitable organizations solicit donations all t... |
Can one get a house mortgage without buying a house? | I've never heard of a loan product like that. Yes, if they keep the funds in an account, it is no risk to the bank, but they would essentially need to go through the loan process twice for the same loan: when you pick a house, they need to reevaluate everything, along with appraising and approving the house. Even if y... |
What is the principle of forming an arbitrage strategy? | Arbitrage is basically taking advantage of a difference in price. Generally extending to "in different places for the same thing". A monetary version would be interlisted stocks, that is stocks in companies that are on both the NYSE/Nasdaq and Toronto stock exchanges. If somebody comes along and buys a large number o... |
Getting Cash from Credit Card without Fees | You said: Use a credit card (to get my 3% Cash back) to withdraw cash ... Then you said: Is there any way to do this without paying a cash advance fee (or any fees in general)? Right there you have stated the inconsistency. Withdrawing cash using a credit card is a cash advance. You may or may not be charged a fee fo... |
What is approximate tax deduction for this scenario? | House rent allowance:7500 House Rent can be tax free to the extent [less of] Medical allowance : 800 Can be tax free, if you provide medical bills. Conveyance Allowance : 1250 Is tax free. Apart from this, if you invest in any of the tax saving instruments, i.e. Specified Fixed Deposits, NSC, PPF, EPF, Tution Fees, EL... |
historical stock data starting from 1900 | Robert Shiller published US Stock Market data from 1871. Ken French also has historical data on his website. Damodaran has a bunch of historical data, here is some historical S&P data. |
Weekly budgets based on (a variable) monthly budget | Developing self-discipline in his spending habits is a prerequisite for dealing with a (sometimes low) variable income. While it might feel like a roller coaster ride going from boom to bust, develop steady frugal spending habits will ease a lot of that pressure. |
At what point should I go into credit card debt? | Borrowing money to pay living expenses will not last long. Also, banks and credit card agencies are very expert at detecting people who try to live off of debt (as you might expect) and they will cut you off completely as soon as they figure out what you are doing. As a general rule, if you go six months without paying... |
Why does FlagStar Bank harass you about payments within grace period? | A quick Google search for FlagStar Bank shows that this is their standard practice. Quite a few people are complaining about the robo-calls they start receiving on the 5th of every month and FlagStar's response is usually something along the lines of "we're required to do so". First and foremost, confirm the terms of y... |
Can I claim mileage for traveling to a contract position? | The short answer is yes you can, but you have to make sure you do it correctly. If you are employed by a tech company that does contract work at a separate location and you don't get reimbursed by your employer for travel expenses, you can claim the mileage between your home and location B as a business expense, but t... |
What is a “margin-call” and how are they enforced? | Simplest way to answer this is that on margin, one is using borrowed assets and thus there are strings that come with doing that. Thus, if the amount of equity left gets too low, the broker has a legal obligation to close the position which can be selling purchased shares or buying back borrowed shares depending on if ... |
Better approach to close loans? | It is typically best to pay minimum payments to 2 of the loans and pay aggressively on the third loan. Some will tell you to pay the highest interest rate loan off first because "personal finance" is about "finance" and mathematically that saves you the most interest. Some will tell you to pay the smallest balance loan... |
Do large market players using HFT make it unsafe for individual investors to be in the stock market? | In some senses, any answer to this question is going to be opinion based - nobody outside of HFT firms really know what they do, as they tend to be highly secretive due to the competitive nature of the activity they're engaged in. What's more, people working at HFT firms are bound by confidentiality agreements, so even... |
How do you access an OFX server? | This page, under the "OFX" section, has pointers to an OFX 2.0 spec (pdf). You're looking for the info starting at page 18, section 1.2.1: Clients use the HTTP POST command to send a request to the previously acquired Uniform Resource Locator (URL) for the desired financial institution. The URL presumably identifies a ... |
Is it unreasonable to double your investment year over year? | Not at all impossible. What you need is Fundamental Analysis and Relationship with your investment. If you are just buying shares - not sure you can have those. I will provide examples from my personal experience: My mother has barely high school education. When she saw house and land prices in Bulgaria, she thought i... |
Do I pay a zero % loan before another to clear both loans faster? | This is a very complicated thing to try to do. There are many variables, and some will come down to personal taste and buying habits. First you need to look at each of the loans and find out two very important things. Some times you pay a huge penalty for paying off a loan early. Usually this is on larger loans (like ... |
What is the best cross-platform GPL personal finance tool available? | I use "Money Manager Ex" which is a Windows application I use on PC to log my transactions and for simple statistic. They have two versions, simple standlone application and self-hosted web app. |
“Infinite Banking” or “Be Your Own Bank” via Whole Life Insurance…where to start? | Keep in mind that the only advantage that using a tax favored account gives you is tax-free growth of the cash value of the policy. This "Infinite Banking" spin isn't some sort of new revolution in money management, its just a repackaging of techniques that people have been using for years to manage tax liability with ... |
Investment property information resources | I personally found the "For Dummies" books, on property investment, very helpful and a great primer. I found them unbiased and very informative, laying out the basic principles. Depending on your knowledge it can provide you with enough of a foundation to have an informed conversation with banks/real estates etc. Watc... |
Claiming business expense from personal credit card | or just input it in my accounting software along with receipts, and then when I'm doing taxes this would go under the investment or loses (is it somewhere along that line)? Yes, this. Generally, for the long term you should have a separate bank account and charge card for your business. I started my business (LLC) ... |
Is there any drawback in putting all my 401K into a money market fund? | Yes. There are huge disadvantages to saving money in a money market account. Money market account can be a good place to save some of your emergency fund, because it's basically a cash account and you can withdraw from it at will, with few delays. It's liquid. |
Why is the stock market rising after Trump's attack on the TPP? | Everything is worth what its purchaser will pay for it - Publilius Syrus It could be that, despite predictions from experts to the contrary, investors believe that renegotiating trade deals will have a positive affect on the economy, despite the upheaval uncertainty, and risk that it brings. Keep in mind that, as Pete... |
Buy securities at another stock exchange | Different exchanges sometimes offer different order types, and of course have different trading fees. But once a trade is finished, it should not matter where it was executed. |
Is it worth it to reconcile my checking/savings accounts every month? | I quit diligently reconciling monthly statements some years before everything was online, when I realized that for years before that, every time I thought I found a mistake, it was always my own error. I was spending a fair amount of time (over the years) doing something that wasn't helping me. So I quit. That said, I ... |
How to get rid of someone else's debt collector? | As a former debt collector myself, I can tell you that we did occasionally get someone claiming that they weren't who they really were. However, it was pretty obvious who was telling the truth after a while. Above all else, just be calm and polite. Technically, you can also say "do not call this number again" and they ... |
How to compare the value of a Masters to the cost? | I am a bit unsure of why the interest rate is relevant. Are you intending on borrowing the money to go to school? If you cannot pay cash, then it is very likely a bad idea. Many people are overcome by events when seeking higher education and such a loan on a such a salary could devastate you financially. So I find... |
In Canada, how bad must your credit be for a denial of a Secured Credit Card? | A bank or credit card agency can deny your application for pretty much any reason. That said, it's extremely unlikely they'd do so for a secured credit card. This is because the credit is secured. If your sister is to get a card with, say, a $1000 limit, she will have to provide $1000 in security. This means the banks ... |
Ask for credit decrease | I agree with JoeTaxpayer that you will be better off in the end if you can just not use your card you are better off in the long run. That said if you are determined to get a card you can control go to a credit union or local bank. Most of them will give you the credit limit you want. This may provide you with a car... |
How is a stop order price different from an ask price | Stop order is triggered when the market reaches the price you set. Until then - its not on the books. Your understanding is wrong in that you don't go to read the definition of the term. |
How best to grow my small amount of money starting at a young age? [duplicate] | Congrats! That's a solid accomplishment for someone who is not even in college yet. I graduated college 3 years ago and I wish I was able to save more in college than I did. The rule of thumb with saving: the earlier the better. My personal portfolio for retirement is comprised of four areas: Roth IRA contributions, 4... |
Does payment in goods count as “income” for tax purposes? | The IRS defines income quite specifically. On the topic What is Taxable and Nontaxable Income, they note: You can receive income in the form of money, property, or services. This section discusses many kinds of income that are taxable or nontaxable. It includes discussions on employee wages and fringe benefits, and inc... |
Is it worth buying real estate just to safely invest money? | No one has addressed the fact that your loan interest and property taxes are "deductible" on your taxes? So, for the first 2/3 years of your loan, you will should be able to deduct each year's mortgage payment off your gross income. This in turn reduces the income bracket for your tax calculation.... I have saved 1000... |
Should I finance a used car or pay cash? | There are several factors here. Firstly, there's opportunity cost, i.e. what you would get with the money elsewhere. If you have higher interest opportunities (investing, paying down debt) elsewhere, you could be paying that down instead. There's also domino effects: by reducing your liquid savings to or below the mini... |
Taxes paid in USA for sending money to parents in India | I'm not certain about international transfers, but that amount is large enough that it could be subject to gift tax. https://www.irs.gov/Businesses/Small-Businesses-&-Self-Employed/Frequently-Asked-Questions-on-Gift-Taxes Note that the threshold for this tax is "per person, per person". For example, if you gave your fa... |
Why would refinancing my mortgage increase my PMI, even though rates are lower? | Is that an FHA loan you have? And you're wanting to do one of those low cost FHA re-fi's, right? The answer is that in between when you first got that loan and now, the government's changed the rules on PMI for FHA loans. It more than doubled the amount of monthly PMI you have to pay. The new rates, efective April 18t... |
Why do 10 year-old luxury cars lose so much value? | Few people actually buy BMW's. Most are leased, because if you're the type of person who wants to drive a BMW, you're going want a new one regularly. Here's the lifecycle of a BMW or other luxury car: By the time you hit ten years, you have a rapidly depreciating asset because the average Joe doesn't really want an ol... |
How can I improve my auto insurance score? | Move to a small town in an insurance friendly state. - Certian states like Florida are considered high risk for doing business for insurance companies. Get a (relatively)new midsize sedan in white, tan, or brown. These colors are the least likely to get stolen and the modern midsized sedan is considered the safest v... |
Are there disadvantages to day trading ETFs? | ETFs are well suited to day trading, but you should be mindful of the bid-ask spread. See article: Commission-free ETFs are a great way to save money, but watch the bid-ask spread too. Bid-ask spread is largely a function of liquidity, or the volume of buyers and sellers for an asset during a particular moment in tim... |
Can saving/investing 15% of your income starting age 25, likely make you a millionaire? | The really simple answer is that compound interest is compound not linear. Money invested for longer earns more interest, and the sooner you start investing, the longer it has to earn interest. These ideas come out of pension investment where 65 is the usual retirement age and what you invest in the 1st ten years of ... |
Personal Tax Deduction for written work to a recognized 501c3 | If it's work you'd be producing specifically for this organization, that would not be deductable. Per Publication 526, Charitable Deductions, "You can't deduct the value of your time or services, including: … The value of income lost while you work as an unpaid volunteer for a qualified organization." On the other hand... |
Why have I never seen a stock split? | Are you sure you're not just looking at prices that are adjusted for the split, e.g. Yahoo? For example, Gilead Sciences (GILD) split a few months ago, but if you look at a price chart, there isn't an interruption even though the split is clearly marked. (Look in the past six months; it split in January). However, you ... |
How to invest 100k | How to spend the money is up to you. That includes spending money on your house. (This is a safer way to look at it than an "investment". Not that it can't ever be treated as such, but that doing so often makes it easy to justify bad decisions and overspending on the house.) So with regards to the mortgage: So if it's ... |
Personal taxes for Shopify / Paypal shop? | (do I need to get a W9 from our suppliers)? Will PayPal or Shopify send me a 1099k or something? Do not assume that you'll get paperwork from anyone. Do assume that you have to generate your own paperwork. Ideally you should print out some kind of record of each transaction. Note that it can be hard to view older tr... |
Does an industry 'standard' have any affect on when a stock might split? | You ask if Tesla being a car company should feel a pressure to split their stock because their share price is much higher than the other car companies. But is Tesla a car company? It was founded by Elon Musk who founded PayPal and SpaceX. He sees him self as the next generation of entrepreneurs that came after Jobs and... |
Large BUY LIMIT orders' effect on a stock's price | If an offered price is below what people are willing to sell for, it is simply ignored. (What happens if I offer to buy lots of cars as long as I only have to pay $2 each? Same thing.) |
How do I factor dividends and yield into the performance of a security? | Instead of a price chart can use a performance chart, which is usually expressed as a percentage increase from the original purchase price. To factor in the dividends, you can either add in all of your dividends to the final price, or subtract the accumulated dividends from your cost basis (the initial price). |
Why do Dealers/Brokers hold Inventory in Stocks? | The difficulty is that you are thinking of a day as a natural unit of time. For some securities the inventory decisions are less than a minute, for others, it can be months. You could ask a similar question of "why would a dealer hold cash?" They are profit maximizing firms and, subject to a chosen risk level, will a... |
Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? | If I understand you situation correctly, then the accepted answer is extremely misleading and incorrect. Your arrangement with your parents is definitely unreasonable. It is definitely not "similar to an interest-only loan". In an interest-only loan, like you can get from a bank, you will loan a sum of money, which you... |
Are stores that offer military discounts compensated by the government? | This story is about military grocery stores - i.e.: grocery stores for military personnel on military bases. There are no discounts for military personnel in a regular grocery store. But they may have subsidised prices in grocery stores located inside a military installation, and these are those stores that the story i... |
Can you beat the market by investing in double long ETFs? [duplicate] | You miss the step where the return being doubled is daily. Consider you invested $100 today, went up 10%, and tomorrow you went down 10%. Third day market went up 1.01% and without leverage - got even. Here's the calculation for you: day - start - end 1 $100 $120 - +10% doubled 2 $120 $96 - -10% do... |
How and Should I Invest (As a college 18 year old with minimal living expenses)? | The $1K in funds are by default your emergency fund. If absolutely necessary, emergency funds may need to come from debt, a credit capacity, focus on building credit to leverage lower rates for living expenses eventually needed. Profitable organizations & proprietors, borrow at a lower cost of capital than their return... |
Isn't the subtraction of deprecation and amortization redundant in the calculation of Owner's Earnings? | This formula is not calculating "Earnings". Instead, it is calculating "Free Cash Flow from Operations". As the original poster notes, the "Earnings" calculation subtracted out depreciation and amortization. The "Free Cash Flow from Operations" adds these values back, but for two different reasons: |
Which institutions in Canada offer true read-only guest accounts? | Converting fideli comment to answer I don't think any Canadian bank offers this capability for online banking. However, there seems to be a fierce push right now at most banks to improve their online banking platform so they may be open to the suggestion of guest accounts |
Should I open a Roth IRA or invest in the S&P 500? | Anytime you invest in stocks, you do that inside an investment account - such as the type you might open at ETrade, Vanguard, Fidelity or Charles Schwab. Once you have the account and fund it, you can tell the system to invest some/all of your money in When you open your investment account, their first question will... |
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