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Do performers pay taxes on comped meals and hotels? | My number one piece of advice is to see a tax professional who can guide you through the process, especially if you're new to the process. Second, keep detailed records. That being said, I found two articles, [1] and [2] that give some relevant details that you might find helpful. The articles state that: Many artists ... |
How does a Value Added Tax (VAT) differ from a Sales Tax? | Sales taxes are charged at the point of purchase, while a VAT is assessed during the production process of the item. In the end, the amount paid by the consumer is the same, but with the VAT, the tax was collected from the manufacturer, instead of the consumer. One of the big arguments for VAT is that it prevents lost ... |
Why are estimated taxes due “early” for the 2nd and 3rd quarters only? | There are too many nuances to the question asked to explore fully but here are a few points to keep in mind. If you are a cash-basis taxpayer (most individuals are), then you are not required to pay taxes on the money that has been billed but not received as yet. If you operate on an accrual basis, then the income acc... |
Value of a call option spread | I think you're missing the fact that the trader bought the $40 call but wrote the $45 call -- i.e. someone else bought the $45 call from him. That's why you have to subtract 600-100. At expiration, the following happens: So $600 + -$100 = $500 total profit. Note: In reality he would probably use the shares he gets fr... |
In today's low interest environment, is it generally more economical to buy or lease a new car in the US? | It's my understand that leasing is never the better overall deal, with the possible exception of a person who would otherwise buy a brand new car every 2 or 3 years, and does not drive a lot of miles. Note: in the case of a company car, Canadian taxes let you deduct the entire lease payment (which clearly has some prin... |
Dad paying for my new home in cash. How can I buy the house from him? | we have little money in cash for a down-payment This is a red flag to me. If you have little money in cash for a down-payment, how are you supposed to be a landlord too? You could try is to do a lease to own from your Dad. Get a renter into the other home for at least a year or more and then close on the house once yo... |
What would happen if the Euro currency went bust? | These rumors are here just to help dollar stay alive. Euro have problems, but they are rather solvable, unlike dollar situation. Even if something wrong would happen - countries would return to their national currencies, mainly Germany & France are important here. This does not means that EuroUnion would be destroyed -... |
Are the sellers selling pre-IPO shares over these websites legitimate or fake? | I think you're right that these sites look so unprofessional that they aren't likely to be legitimate. However, even a very legitimate-looking site might be a fake designed to separate you from your money. There is an entire underground industry devoted to this kind of fakery and some of them are adept at what they do... |
Fringe Benefits (Lodging) for single member S-Corp | If you use "a room or other separately identifiable space" within your apartment exclusively for your business, then you might be able to recoup a fraction of your rent for that. Check the rules for home office at the IRS and adopt a consistent and well-documented approach. (I would pay your full rent out of your perso... |
Can PayPal transfer money automatically from my bank account if I link it in PayPal? | The answer is no. Paypal will always ask for permission before adding or withdrawing money. |
How do you calculate the rate of return (ROR) when buying and selling put options? | What Jaydles said. I think of each strategy in terms of Capital at Risk (CaR). It's a good thing to know when considering any position. And then conveniently, the return is always profit / CaR. With covered calls it's pretty easy. Pay $1000 for stock, receive $80 in premium, net CaR is $920. If you own the stock and w... |
Why do moving average acts as support and resistance? | It's not stopped. Crossing a moving average is considered a signal to buy or sell. Yahoo stock charts offer the ability to add moving averages to the charts, and you can observe all stocks cross the line regularly. As a contrast to Victor's charts, you can see that Apple, over the last two years, has traded above and... |
UK: How to *leave* self select stock and shares ISA (without selling the shares)? | Your existing shares in their existing ISA(s) do not in any way impact on your future ISA allowances. The only thing that uses up your ISA allowance is you paying new cash into an ISA account. So you can leave your existing shares in their existing ISA(s) and simply open new ISA(s) for future contributions which suit y... |
Can I exchange rental property for REIT stock with 1031? | would buying the stock of a REIT qualify as a 'Like-Kind' exchange? Short answer, no. Long answer, a 1031 (Starker) exchange only applies to real estate. From the Wikipedia page on the topic: To qualify for Section 1031 of the Internal Revenue Code, the properties exchanged must be held for productive use in a trade o... |
What is the best way to get cash from my retirement accounts for a home down payment? | You can withdraw the contributions you made to Roth IRA tax free. Any withdrawals from Roth IRA count first towards the contributions, then conversions, and only then towards the gains which are taxable. You can also withdraw up to $10000 of the taxable portion penalty free (from either the Traditional IRA or the Roth ... |
What are some good ways to control costs for groceries? | Keep a notebook. (or spreadsheet, etc. whatever works) Start to track what things cost as few can really commit this all to memory. You'll start to find the regular sale prices and the timing of them at your supermarkets. I can't even tell you the regular price of chicken breasts, I just know the sale is $1.79-1.99/lb... |
How to acquire assets without buying them? | Assets can be acquired in different ways and for different purposes. I will only address common legal ways of acquiring assets. You can trade one asset for another asset. This usually takes place in the form of trading cash or a cash equivalent for an asset. The asset received should be of equal or greater value than t... |
Does it make sense to buy an index ETF (e.g. S&P 500) when the index is at an all-time high? | In 1929 the Dow Jones Industrial Average peaked at roughly 390 just prior to the Great Depression. It did not return to that level again until 25 years later in 1954. 25 years is a long time to go without any returns, especially if you are a retiree. There is no easy answer with investing. Trying to time the tops and b... |
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... |
Can I use FOREX markets to exchange cash? | Because the standard contract is for 125,000 euros. http://www.cmegroup.com/trading/fx/g10/euro-fx_contractSpecs_futures.html You don't want to use Microsoft as an analogy. You want to use non financial commodities. Most are settled in cash, no delivery. But in the early 80's, the Hunt brothers caused a spectacular sh... |
Are underlying assets supposed to be sold/bought immediately after being bought/sold in call/put option? | When you can exercie your option depends on your trading style. In the american options trading style (the most popular) you're allowed to exercice your options and make profit (if any) whenever you want before the expiration date. Thus, the decision of exercising your option and make a profit out of it does not rely ... |
Didn't apply for credit card but got an application denied letter? | This question has the [united kingdom] tag, so the information about USA or other law and procedures is probably only of tangential use. Except for understanding that no, this is not something to ignore. It may well indicate someone trying to use your id fraudulently, or some other sort of data-processing foul-up that ... |
As a young adult, what can I be doing with my excess income? | You apparently assume that pouring money into a landlord's pocket is a bad thing. Not necessarily. Whether it makes sense to purchase your own home or to live in a rental property varies based on the market prices and rents of properties. In the long term, real estate prices closely follow inflation. However, in some a... |
Is it worth it to reconcile my checking/savings accounts every month? | Account statements and the account information provided by your personal finance software should be coming from the same source, namely your bank's internal accounting records. So in theory one is just as good as the other. That being said, an account statement is a snapshot of your account on the date the statement wa... |
What do people mean when they talk about the central bank providing “cheap money”? What are the implications for the stock market? | Newspapers write a lot about the central bank stopping "cheap money" in the US. What is that exactly and what are the implications for the stock market? An interest rate is simply defined as the price of money. So if money is cheap, it must mean there is a low interest rate compared to normal. If milk is cheap, we're... |
Put-Call parity - what is the difference between the two representations? | Well, the first one is based on the "Pert" formula for continuously-compounded present value, while the second one is the periodically-compounded variant. Typically, the continuously-compounded models represent the ideal; as the compounding period of time-valued money shrinks towards zero, and the discount rate (or in... |
Medium-term money investment in Germany | Due to the zero percent interest rate on the Euro right now you won't find any investment giving you 5% which isn't equivalent to gambling. One of the few investment forms which still promises gains without unreasonable risks right now seems to be real estate, because real estate prices in German urban areas (not so i... |
Is it mandatory to report Capital Loss on line 21 of Schedule D? | On line 21 of Schedule D, you write the smaller of So, in your case, since your Line 16 shows a loss of more than $3000 on Line 21, you write 3000 on Line 21 (the parentheses indicating that is it a negative number are already included on the form). Also, you write (3000) on Form 1040 Line 13. The rest of the loss is a... |
Are lottery tickets ever a wise investment provided the jackpot is large enough? | Is playing the lottery a wise investment? --Probably not. Is playing the lottery an investment at all? --Probably not though I'll make a remark on that further below. Does it make any sense to play the lottery in order to improve your total asset allocation? --If you follow the theory of the Black Swan, it actually m... |
What are overnight fees? [duplicate] | From the etoro website: In the financial trading industry, rollover is the interest paid or earned for holding currency overnight. Each currency has an interest rate associated with it, and because currencies are traded in pairs, every trade involves two different interest rates. If the interest rate on the currency yo... |
Shifting income to 401k | This will be difficult to achieve. It can be done, but it's very rare to have an agreement where your employer is willing to max out your contribution limit unless you are a partner in the business or a family relation. In this situation the extra employer money would probably come from a profit sharing contribution. ... |
If you want to trade an equity that reflects changes in VIX, what is a good proxy for it? | I'd look at VXX, I believe it closely tracks what you are looking to do. http://www.ipathetn.com/product/VXX/ However, as already noted in other responses, this isn't trading VIX itself (in fact it is impossible to do so). Instead, this ETF gives exposure to short-term SP500 futures contracts, which in theory should b... |
Why buy insurance? | One reason is that insurance gives you tranquility. Without insurance, you live with the uncertainty of not knowing if/when disaster is going to strike. Insurance allows you to trade this uncertainty for regular monthly/yearly payments. |
question about short selling stocks | If you had an agreement with your friend such that you could bring back a substantially similar car, you could sell the car and return a different one to him. The nature of shares of stock is that, within the specified class, they are the same. It's a fungible commodity like one pound of sand or a dollar bill. The o... |
Why do shareholders participate in shorting stocks? | When I have stock at my brokerage account, the title is in street name - the brokerage's name and the quantity I own is on the books of the brokerage (insured by SIPC, etc). The brokerage loans "my" shares to a short seller and is happy to facilitate trades in both directions for commissions (it's a nice trick to get ... |
Is it better to buy US stocks on US stock exchanges as a European? | Liquidity on dual listed equities is rarely the same on both exchanges. More liquidity means you would typically get a better price assuming you execute the trades using the same order types. It's recommended to trade where the liquidity is greater unless your trading method benefits somehow from it being lower. It's i... |
Automatic transaction on credit card to stay active | Put one of your monthly bills on it. (Utility bill, Netflix, monthly donation to charity, etc.) I have several automatic, recurring monthly charges on my credit card. If you don't have any current monthly bills that you want to switch, contact the Red Cross, or a charity of your choice. They would be very happy to cha... |
Taxes for citizen of EU country #1 living in EU country #2 and working from home for non-EU country #3? | You will almost certainly be paying taxes in Czech Republic, short of being American of Eritrean, citizenship has little to no bearing on tax. If you are working from home, you will probably be a contractor. In Romania you would work through either an SRL or you would set up a PFA. Essentially a limited company or a so... |
Prices go up and salary doesn't: where goes delta? | One of the byproducts of free trade is that there is now a global labor market. So companies routinely review their operations and think strategically about where the company is going. Standard options are: Because the disincentives that once existed in the past are gone (the need for humans to do work, tariffs, regula... |
Selling stocks as LIFO or FIFO | According to the IRS, you must have written confirmation from your broker "or other agent" whenever you sell shares using a method other than FIFO: Specific share identification. If you adequately identify the shares you sold, you can use the adjusted basis of those particular shares to figure your gain or loss. ... |
Why can it be a bad idea to buy stocks after hours? | Unless you want to be a short term day trader, then it is not foolish to be an end of day trader. If you are looking to be a medium to long term trader/investor then it is quite acceptable to put orders in after market close. Some would say it is even less risky, because you are not watching the price fluctuate up and ... |
Does borrowing from my 401(k) make sense in my specific circumstance? | The set of circumstances that 401k loans make sense, are very small. As you would expect yours is not one of them. You make 70K per year and need 6500. Interest rate is not your problem, budgeting is the problem. Pay this off in three months not the 48 you are proposing. Why is borrowing from your 401K a bad idea,... |
How to decide on split between large/mid/small cap on 401(k) and how often rebalance | One other thing to consider, particularly with Vanguard, is the total dollar amount available. Vanguard has "Admiralty" shares of funds which offer lower expense ratios, around 15-20% lower, but require a fairly large investment in each fund (often 10k) to earn the discounted rate. It is a tradeoff between slightly l... |
Malaysian real estate: How to know if the market is overheated or in a bubble? | FYI...during the housing boom here in the US many people spoke about ever increasing home prices. Many thought home prices could never go down. Until they did. If it seems like it is impossible for home prices to continue to go up then they probably will stop going up at some point, although the rising prices can con... |
Trading large volumes with penny profits per share | Currently my online savings account pays an interest rate of 1.25%. With 100K, I can earn about $104 per month in that account. No risk, no timing, no fuss. So in theory you can make money by small changes in the valuations of stock. However there are often better, risk free options for your money; or, there are muc... |
What's are the differences between “defined contribution” and “defined benefit” pension plans? | Defined Benefit Plans: Defined benefit plans are disappearing because of their high cost to the companies that provide them. When an employee retires, the company must pay his pension for the rest of his life, even longer if the pension includes a survivor option. Thus the company's financial burden grows as more emp... |
I'm getting gouged on prices for medical services when using my HSA plan. How to be billed fairly? | First, as noted in the comments, you need to pay attention to your network providers. If you are unable to pay exorbitant prices out of pocket, then find an in-network medical provider. if you are unhappy with the in-network provider list (e.g. too distant or not specialists), then discuss switching to another plan o... |
Separate bank account for security deposit from tenant | Per Md. REAL PROPERTY Code Ann. § 8-203: (d) (1) (i) The landlord shall maintain all security deposits in federally insured financial institutions, as defined in § 1-101 of the Financial Institutions Article, which do business in the State. (ii) Security deposit accounts shall be maintained in... |
declaring payments to a credit card for a shared expense | If this is a business expense - then this is what is called reimbursement. Reimbursement is usually not considered as income since it is money paid back to you for an expense you covered for your employer with your after-tax money. However, for reimbursement to be considered properly executed, from income tax stand poi... |
Buying from an aggressive salesperson | He sounds like a very bad salesman and I should know, because I was a sales manager at a bike shop which sold bikes from $200 to $10k. Now I had a clear goal, which is to sell as many bikes at the highest price possible, but I didn't do that by making customers uncomfortable. Each customer received different treatment ... |
Is it wise to invest small amounts of money short-term? | Even straight index funds grow at about 6-7%. on average, or over long periods of time. In short time periods (quarters, years), they can fluctuate anywhere from -10% to +20%. Would you be happy if your bank account lost 10% of its value the week before you had to pay the bill for the repairs? Is it appropriate to ... |
Difference between full and mini futures contract | Both of these are futures contracts on the Ibovespa Brasil Sao Paulo Stock Exchange Index; the mini being exactly that, a mini version (or portion) of the regular futures contract. The mini counterpart makes trading the index more affordable to individual investors and hence increase liquidity. |
How do I invest and buy/sell stocks? What does “use a broker” mean? | Very simple. You open an account with a broker who will do the trades for you. Then you give the broker orders to buy and sell (and the money to pay for the purchases). That's it. In the old days, you would call on the phone (remember, in all the movies, "Sell, sell!!!!"? That's how), now every decent broker has an onl... |
Where can I find a company's earnings history for free? | Regulators? SEC, in the US. Its public records for public companies. |
What is the difference between speculating and investing? | Colloquially, there's no difference except for the level of risk (which is an estimate anyway). Classically, investment is creating wealth through improvement or production. Purchasing a house with the intent to renovate and sell it for a profit would be an investment, as the house is worth more when you sell than whe... |
Is this mortgage advice good, or is it hooey? | Jack "The Mortgage Professor" Guttentag provides a thorough analysis of a similar-sounding system: In addition, I had the feeling that customers of Mortgage Relief should have gotten a spreadsheet for their $45, and wondered why they hadn’t? So I set out to develop a spreadsheet of my own that could quantify the benefi... |
Can you sell on the settlement date? | Yes, on the settlement the stock is yours to sell with no risk of freeride or day trading applying. |
Refinancing a vehicle, longer term with extra in the kitty, or shorter term and just make scheduled payment? | It really depends on the answers to two questions: 1) How tight is your budget going to be if you have to make that $530 payment every month? Obviously, you'd still be better off than you are now, since that's still $30 cheaper. But, if you're living essentially paycheck to paycheck, then the extra flexibility of the ... |
How much more than my mortgage should I charge for rent? | As others have pointed out, you can't just pick a favorable number and rent for that amount. If you want to rent out your house, you must rent it for a value that a renter would agree to. For example there is a house on my street that has been looking for renters for 3 years. They want $2,500 a month. This covers thei... |
If a stock doesn't pay dividends, then why is the stock worth anything? | There are two main ways you can make money through shares: through dividends and through capital gains. If the company is performing well and increasing profits year after year, its Net Worth will increase, and if the company continues to beat expectations, then over the long term the share price will follow and increa... |
How do finance professionals procounce “CECL”? | According to the following links, it is commonly pronounced "Cecil". https://kaufmanrossin.com/blog/bank-ready-meet-cecil/ The proposed model introduces the concept of shifting from an incurred loss model to the current expected credit loss model commonly referred to as CECL (pronounced “Cecil”). http://www.gonzo... |
Do I need to write the date on the back of a received check when depositing it? | You do not need to write anything on the second line. There are a variety of helpful things that you can add, e.g.: For Deposit Only. This tells the bank to deposit the check into your account and ignore other signatures. Your account number. Especially useful when added to "For Deposit Only". A countersignature... |
Looking for a stock market simulation that's as close to the real thing as possible | Many online brokers have a "virtual" or "paper" trading feature to them. You can make trades in near-real time with a fake account balance and it will treat it as though you were making the trade at that time. No need to manage the math yourself - plus, you can even do more complicated trades (One-Cancels-Other/One-T... |
When does it make financial sense to take advantage of employer's tuition reimbursement program? | If you have decided to do the degree, and are simply deciding whether to accept employer funding for it or not, take the funding. I see no difference between "my employer doesn't pay my tuition" and "my employer paid my tuition but I had to pay it back because I moved on". Therefore there is no downside to letting them... |
What is the difference between “good debt” vs. “bad debt”? | From what I've heard in the past, debt can be differentiated between secured debt and unsecured debt. Secured debt is a debt for which something stands good such as a mortgage on your house. You have a debt, but that debt is covered by the value of an asset and if you needed to free yourself of the debt, then you co... |
What's the most conservative split of financial assets for my portfolio in today's market? | This is a somewhat complicated question because it really depends on your personal situation. For example, the following parameters might impact your optimal asset allocation: If you need the money before 3 years, I would suggest keeping almost all of it in cash, CDs, Treasuries, and ultra safe short-term corporate bo... |
When after a companys IPO date can I purchase shares? | You can purchase stock immediately in the open market on the day of the IPO when market opens. Below link gives you more information. http://finance.zacks.com/buy-ipo-stock-3903.html |
Is foreign stock considered more risky than local stock and why? | The value of a foreign stock is subject to fluctuations in the foreign currency value; this is not the case for domestic stocks. |
California resident, Delaware C-Corp - Taxes for 1-person software freelancer? | Supposedly this also means that I am free from having to pay California corporate taxes? Not in the slightest. Since you (the corporate employee) reside in CA - the corporation is doing business in CA and is liable for CA taxes. Or, does this mean I am required to pay both CA taxes and Delaware fees? (In this case,... |
Got charged ridiculous amount for doctor's walk in visit. What are my options? | You should start by calling the clinic and asking them to tell you how the visit was coded. Some clinics have different billing codes based on the complexity of the visit. If you have one thing you are seeing the doctor about, that could be coded differently than if you have 4 things you are seeing the doctor about. In... |
Which % of the global economy is considered “emerging”? | The company that runs the fund (Vanguard) on their website has the information on the general breakdown of their investments of that fund. They tell you that as of July 31st 2016 it is 8.7% emerging markets. They even specifically list the 7000+ companies they have purchased stocks in. Of course the actual investment a... |
Pros & cons of investing in gold vs. platinum? | Platinum use is pretty heavily overweight in industrial areas; according to the linked Wikipedia article, 239 tonnes of platinum was sold in 2006, of which 130 tonnes went to vehicles emissions control devices and another 13.3 tonnes to electronics. Gold sees substantial use as an investment as well as to hedge against... |
IRA contributions in a bear (bad) market: Should I build up cash savings instead? | The first two answers to this are very good, but I feel like there are a couple of points they left out that were a little too long for comments. First off take a look at the expense percentage,the load fees, and the average turnover ratio for the funds in your retirement account (assuming they are mutual funds). Havin... |
Was this a good deal on a mortgage? | I'm calculating that to about a 7% apr, which given loan rates available today seems a bit high. I wouldn't get too caught up on what that equates to over the life of the loan. There are a lot of forces in play over a 30 year period, namely the time value of money. 30 years from now a dollar will be less valuable i... |
Moving savings to Canada? | Yes, you can put assets in Canadian banks. Will it protect your wealth to a greater extent than the FDIC protection provided by the US Government? Probably not. If you do business or spend significant time in Canada, then having at least some money in Canada makes sense. Otherwise, you're trying to protect yourself ag... |
Should I avoid credit card use to improve our debt-to-income ratio? | For scoring purposes, having a DTI between 1-19% is ideal. From Credit Karma: That being said, depending on the loan type you looking at receiving (FHA, VA, Conventional, etc), there are certain max DTIs that you want to stay away from. As a rule, for VA, you want to try to stay away from 41% DTI. Exceptions are made... |
Ideal investments for a recent college grad with very high risk tolerance? | If you're sure you want to go the high risk route: You could consider hot stocks or even bonds for companies/countries with lower credit ratings and higher risk. I think an underrated cost of investing is the tax penalties that you pay when you win if you aren't using a tax advantaged account. For your speculating acco... |
What is a good size distribution for buying gold? | Diversification is an important aspect of precious metals investing. Therefore I would suggest diversifying in a number of different ways: |
Why Google Finance puts to two decimal places for the trading volumes? | Many brokerages offer automatic dividend reinvestment. It is very infrequent that these dividends are exactly a whole share. So, if you have signed up for automatic dividend reinvestment, many brokerages will reinvest your dividends and assign to you a fractional share. I can't speak for how these shares work with rega... |
At what point should I go into credit card debt? | Financially, it simply doesn't make sense to go into debt here. It may be that living on credit cards for a while gives you a chance to recover psychologically, but financially, it doesn't make sense. But, let's consider the larger picture here. You are unmotivated and directionless, and may be suffering from depressio... |
Why do sole proprietors in India generally use a current account? | Current account offers a lot of benefits for sole proprietors. Think of it like bank account for a company. The bank provides a host of facilities for the company. A sole proprietor does not have enough value as that of a company for a bank but needs similar services. Thus Indian banks offer a toned down version of the... |
How can I diversify investments across currencies in ISA? | You have to check if the investment vehicle you are planning to buy is acceptable for ISA on a case by case. Then if it is allowed by HMRC you have to check that your ISA provider offers those products (the mainstream providers might offer a more limited range of products and you might have to go to change your provide... |
If the U.S. defaults on its debt, what will happen to my bank money? | If you are actually referring to all the political rhetoric and posturing over the debt ceiling issue. That's a long ways from the US actually defaulting on paying debts. A lot of government offices might shut down, but I expect anyone holding US debt to be paid off. (they have the printing presses after all) If tha... |
How would bonds fare if interest rates rose? | 1. Interest rates What you should know is that the longer the "term" of a bond fund, the more it will be affected by interest rates. So a short-term bond fund will not be subject to large gains or losses due to rate changes, an intermediate-term bond fund will be subject to moderate gains or losses, and a long-term bon... |
Transfer from credit to debit | As other answers and comments suggest you are trying to do something... odd to say the least. No one wants to use a credit card to finance a checking/current account because you are creating a debt on that credit card (unless you are in the odd situation where the card is in credit) that will immediately start accruing... |
What would a stock be worth if dividends did not exist? [duplicate] | A share of stock is a small fraction of the ownership of the company. If you expect the company to eventually be of interest to someone who wants to engineer a merger or takeover, it's worth whatever someone is willing to pay to help make that happen or keep it from happening. Which means it will almost always track th... |
What is 'consolidating' debt and why do people do it? | Debt consolidation is basically getting all your debt into one loan. This is possibly more convenient, and lets you close the other accounts (in the case of credit cards, preventing you from incurring any more debt). Ideally, your consolidated debt will have a better interest rate, so it saves you money as well. If you... |
How does the yield on my investments stack up against other investors? | It can be pretty hard to compute the right number. What you need to know for your actual return is called the dollar-weighted return. This is the Internal Rate of Return (IRR) http://en.wikipedia.org/wiki/Internal_rate_of_return computed for your actual cash flows. So if you add $100 per month or whatever, that has to ... |
Better to get loan from finance company or bank considering the drop of credit score? | If your primary concern is a drop in your credit score, go to a mortgage broker instead of multiple banks and finance companies. Each time you ask a bank or financial institution for a loan, they do a hard pull on your credit rating which costs you a couple of points. Visit a dozen lenders and you'll lose 24 points. Yo... |
Can a trade happen “in between” the bid and ask price? | I can think of the following situations in which one could see a trade occur between the visible best bid & offer: 1) on a public exchange, people have posted hidden limit orders with either bid prices above the best visible bid or offers below the best visible offer, and incoming orders have executed against this hidd... |
Calculating the profit earned from a leveraged futures contract | I'm not entirely sure about some of the details in your question, since I think you meant to use $10,000 as the value of the futures contract and $3 as the value of the underlying stock. Those numbers would make more sense. That being said, I can give you a simple example of how to calculate the profit and loss from a ... |
Does Technical Analysis work or is it just a pointless attempt to “time the market”? | Technical Analysis in general is something to be cognizant of, I don't use a majority of studies and consider them a waste of time. I also use quantitative analysis more so than technical analysis, and prefer the insight it gives into the market. The markets are more about predicting other people's behavior, psycholog... |
Where does the stock go in a collapse? | If we can agree that 2010 was closer to the low of 2009 than 2007 then the rich did all the buying while the super-rich did all the selling. http://www2.ucsc.edu/whorulesamerica/power/wealth.html Looks like the rich cleaned up during the Tech Crash too, but it looks like the poor lost faith. That limited data makes it ... |
How does a public company turn shares into cash? | how do they turn shares into cash that they can then use to grow their business? Once a Company issues an IPO or Follow-On Public Offer, the company gets the Money. Going over the list of question tagged IPO would help you with basics. Specifically the below questions; How does a company get money by going public in an... |
What actions can I take against a bank for lack of customer service? | Figure out who regulates the bank. Complain to your state banking/consumer affairs department. Complain to your state Attorney General. The Feds regulate most banks too, there are several different agencies, and I believe the way they regulate banks has changed recently. Try contacting the US Comptroller of the Currenc... |
Does renting a room on AirBnB make all interest taxable? | What theyre fishing for is whether the money was earned in the U.S. It's essentially an interest shelter, and/or avoiding double taxation. They're saying if you keep income you make outside the US in a bank inside the US, the US thanks you for storing your foreign money here and doesn't tax the interest (but the nat... |
Are services provided to Google employees taxed as income or in any way? | In many countries, giving something free to the employee is considered a taxable income equivalent, and taxes have to be paid on it. As it cannot be assigned to specific employees, the company pays a flat tax on it, so it actually costs the company more. Also, not all employees value it equally, or consider it as a par... |
When is the best time to put a large amount of assets in the stock market? | The one thing we know for certain is that holding large amounts of cash isn't ideal - inflation will eat away at your wealth. It's understandable that you're hesitant to put all your wealth in common stock. The S&P 500's price/earnings is 18.7 right now - a little high by historical standards. But consider that the S&P... |
Should Emergency Funds be Used for Infrequent, but Likely, Expenses? | For me, the emergency fund is meant to cover unexpected, but necessary expenses that I didn't budget for. The emergency fund allows me to pay for these things without going into debt. Let's say that my car breaks down, and I don't have any money in my budget for fixing it. I really need to get my car fixed, so I spen... |
Trader Fostering Program on Futures Day Trading | I am a bit at a loss as to how you can read the same book, that inspired Warren Buffet, and take away that trading 600 contracts per month is a way to prosperity. As a fellow engineer I can say with assurance this speculation scheme is doomed to failure. Crossing out the word gamble was a mistake. Instead you shoul... |
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