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Where can I find closed dates for the New York Stock Exchange for the coming year? | You can find the NYSE holiday dates listed on the exchange's own site (already linked in answer above), which should obviously be consulted as the most reliable source; they are also published in an article that I have written here: NYSE Holidays 2016, which provides additional information about traditions and events t... |
historical stock data starting from 1900 | Good day! Did a little research by using oldest public company (Dutch East India Company, VOC, traded in Amsterdam Stock Exchange) as search criteria and found this lovely graph from http://www.businessinsider.com/rise-and-fall-of-united-east-india-2013-11?IR=T : Why it is relevant? Below the image I found the source ... |
Is there a resource for knowing when Annual and Quarterly Reports are coming out? | https://www.google.com/search?q=quarterly+and+annual+financial+report+calendar&oq=quarterly+and+annual+financial+report+calendar&aqs=chrome..69i57.9351j0j7&sourceid=chrome&ie=UTF-8 The third result on Google is: https://www.bloomberg.com/markets/earnings-calendar/us The fourth result on Google is: https://finance.yahoo... |
Should I sell when my stocks are growing? | There is an approach which suggests that each weekend you should review your positions as if they were stocks to be considered for purchase on Monday. I can't offer advice on picking stocks, but it's fair to say that you need to determine if the criteria you used to buy it the first time is still valid. I own a stock t... |
Must a company have a specific number of employees to do an IPO? | Working for a lot of startups, I have seen this cycle. Really it has little to do with making the IPO look good because of number of employees, and is more about making the IPO look good because of planning for the future. Many times an IPO is released, it will be valued at $1.00 (made up) and the market will soar and ... |
Can a CEO short his own company? | It seems also on some international markets this is allowed. http://www.businessinsider.com/li-hejun-shorting-hanergy-2015-5 |
How to deal with IRS response of no action to 83(b) election? | I think you should consult a professional with experience in 83(b) election and dealing with the problems associated with that. The cost of the mistake can be huge, and you better make sure everything is done properly. For starters, I would look at the copy of the letter you sent to verify that you didn't write the yea... |
How can I diversify $7k across ETFs and stocks? | When you are starting out using a balanced fund can be quite advantageous. A balanced fund is represents a diversified portfolio in single fund. The primary advantage of using a balanced fund is that with it being a single fund it is easier to meet the initial investment minimum. Later once you have enough to transiti... |
Roth IRA all in one fund, or not? [duplicate] | In your case, you could very well leave it in something like FFFFX, which for readers is a self balancing fund with a target retirement date of 2040. These funds are a conglomeration of other funds that tend to move more conservatively as time passes. However, I like to put no more than 10% of my portfolio in one fund... |
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... |
I forgot to write the name on the check | If you forgot to put the name on the "pay to the order of" line then anybody who gets their hands on the check can add their name to the check and deposit it at their bank into their account. If it goes to the correct person they will have an easy time making sure that the check is made out correctly. They don't have t... |
Who Bought A Large Number Of Shares? | The reality that the share price did not move shows that there is nothing nefarious going on. It is most likely some mutual fund offloading their position to another fund. You can commonly see the play out at market openings if you have access to level II data. You will see a big block sitting on both sides of the ... |
How to change a large quantity of U.S. dollars into Euros? | You would probably be better off wiring the money from your US account to your French account. That IMHO is the cheapest and safest way. It doesn't matter much which bank to use, as it will go through the same route of SWIFT transfer, just choose the banks with the lowest fees on both sides, shop around a little. |
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... |
How can I find if I can buy shares of a specific company? | Hmm... Well there are several ways to do that: Go to any bank (or at the very least major ones). They can assist you with buying and/or selling stocks/shares of any company on the financial market. They keep your shares safe at the bank and take care of them. The downside is that they will calculate fees for every sing... |
Do Americans really use checks that often? | I still use checks to pay rent and occasionally some bills/liabilities. That said, I did notice an (elderly) lady paying by check at the supermarket a while ago. So is it really common to get a paycheck in the sense that you get a piece of paper? Yes and no. There are some people that opt for the physical paycheck. E... |
Avoiding Double-Reporting Income (1099-MISC plus 1099-K) | Your clients should not send you 1099-MISC if they paid with a credit card. You can refer them to this text in the instructions for the form 1099-MISC: Payments made with a credit card or payment card and certain other types of payments, including third party network transactions, must be reported on Form 1099-K by... |
What credit card information are offline US merchants allowed to collect for purposes other than the transaction? | Zip code, as well as billing address, is used in conjunction with the Address Verification Service (AVS). AVS is a web (or phone) service that actually verifies the address with the billing address on file with the issuing bank. It does not use the credit card stripe. You can see more information from various source... |
Is it wise to sell company stock to pay down a mortgage? | Simply if your stock is still rising in price keep it. If it is falling in price sell it and pay off your mortgage. To know when to do this is very easy. If it is currently rising you can put a trailing stop loss on it and sell it when it drops and hits your stop loss. A second easy method is to draw an uptrend line un... |
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... |
How can I stop wasting food? | You want to combine a set of techniques to avoid throwing food away. Consider setting aside a weekend day or other non-busy time to do some food prep. Check to see if there is anything in the fridge that needs to be used quickly and prioritize meals that use that item. Make a weekly menu and get your groceries. Chop... |
Definition of “secular” in the context of markets? | Secular means a long term. A secular basis is something done on a long term basis while a secular trend is a long term trend. http://financial-dictionary.thefreedictionary.com/Secular |
Leasing a car I intend to buy | What does not seem reasonable about your plan is the payment and buyout. While $200/month payments are possible (but hard to find), buyouts are more typically in the five figure range. Given that your savings and desired payment for a car is low (the average car payment today is about 450/month), can you really afford... |
What should I do with $4,000 cash and High Interest Debt? | I like the answers others gave, if it's some substantial debt you definitely could go the bankruptcy route but it damages your future, also it's morally unethical to borrow all that money and not intend to pay. Second, if you can pay off the entire balance and clear out the 23% interest than I'd do that first. One less... |
Accepting personal “donations” (not as a non-profit) | Lots of webcomic sites now have "tip jar" links, or let supporters send money via services like Patrion. I presume other kinds of sites have developed similar solutions. I'd suggest you go out, wander the web a bit looking for such, then contact the sites' owners to ask how it's been working for them |
Why would a company with a bad balance sheet be paying dividends? | A simple response is that it's a good political/strategic move. Ford have effectively said, "We know we still have debt, but we think the long term future is so good we can go back to paying dividends." It builds investor confidence and attracts new money. It can also be seen as a way of Ford indicating that they belie... |
Why invest for the long-term rather than buy and sell for quick, big gains? | The stock market's principal justification is matching investors with investment opportunities. That's only reasonably feasible with long-term investments. High frequency traders are not interested in investments, they are interested in buying cheap and selling expensive. Holding reasonably robust shares for longer ... |
Investment / Savings advice in uncertain economy | An alternative to a savings account is a money market account. Not a bank "Money Market" account which pays effectively the same silly rate as a savings account, but an actual Money Market investment account. You can even write checks against some Money Market investment accounts. I have several accounts worth about ... |
Efficient markets hypothesis and performance of IPO shares after lock-up period | There are rules that prevent two of the reactive measures you suggest from occurring. First, on the date of and shortly following an IPO, there is no stock available to borrow for shorting. Second, there are no put options available for purchase. At least, none that are listed, of the sort you probably have in mind. In... |
Ways to invest my saved money in Germany in a halal way? | The UK has Islamic banks. I don't know whether Germany has the same or not (with a quick search I can find articles stating intentions to establish one, but not the results). Even if there's none in Germany, I assume that with some difficulty you could use banks elsewhere in the EU and even non-Euro-denominated. I can'... |
Should I open a credit card when I turn 18 just to start a credit score? | Assuming I only use it to buy things I can afford (which I trust myself to do), essentially treating it as a debit card, is this a good idea? This is definitely a good idea. From my own experience, before I got my first credit card through my local bank (age 18), I tired to apply for a card that has cash back rewar... |
What could a malicious party potentially achieve by having *just* a name, account number, and sort code? | I think the answer to this must differ from country to country. I have lived in several countries where the normal everyday way of making a payment is to instruct my bank to transfer the money to the recipient's account. Of course this means I must know his name, SC and account number – but this is an accepted part o... |
What's the catch with biweekly mortgage payments? | When you pay monthly, you're making 12 payments / year. Assuming you have a payment of $1000/mo, that's $12,000/year that you're paying for your mortgage. When you opt for bi-weekly, they're saying that you can pay half of your mortgage ($500) bi-weekly (can be configured to align with your paycheck). Since there are ~... |
New to investing — I have $20,000 cash saved, what should I do with it? | As @mbhunter says, make sure you pay off any debt you have first. Then, it's a good idea to keep some or all of your savings as an emergency fund. If you use every last dime to pay for a house, you'll have no cushion available when something breaks down. The most common recommendation I've seen is to have 3-6 months... |
Info about managment compansation schemes in publicly traded companies | Converting the comment from @MD-Tech into answer How or where could I find info about publicly traded companies about how stock owner friendly their compensation schemes are for their board and officers? This should be available in the annual report, probably in a directors' remunerations section for most companies |
Is it prudent to sell a stock on a 40% rise in 2 months | Depends entirely on the stock and your perception of it. Would you buy it at the current price? If so, keep it. Would you buy something else? If so, sell it and buy that. |
Value of a call option spread | You have to look at the real price of the share to calculate the value of the spread. 42$ at the start, 46$ at the end. Think of it this way: When price was 42$ the call 45$ was out of the money, worth 100$ of time value only=100 the call 40$ was in the money and worth 200$ of intrinsic + 100 time value=300 the differ... |
Bucketing investments to track individual growths | Some personal finance packages can track basis cost of individual purchase lots or fractions thereof. I believe Quicken does, for example. And the mutual funds I'm invested in tell me this when I redeem shares. I can't vouch for who/what would make this visible at times other than sale; I've never had that need. For th... |
What effect would sovereign default of a European country have on personal debt or a mortgage? | This is a hard question to answer. Government debt and mortgages are loosely related. Banks typically use yields on government bonds to determine mortgage interest rates. The banks must be able to get higher rates from the mortgage otherwise they would buy government bonds. Your question mentions default so I'm assu... |
If a stock doesn't pay dividends, then why is the stock worth anything? | The company gets it worth from how well it performs. For example if you buy company A for $50 a share and it beats its expected earnings, its price will raise and lets say after a year or two it can be worth around $70 or maybe more.This is where you can sell it and make more money than dividends. |
How to decide which private student loan is right for me? | I speak from a position of experience, My BS and MS are both in Comp Sci. I know very little about loans or finances. That is very unfortunate as you are obviously an intelligent human being. Perhaps this is a good time to pause your formal education and get educated in personal finance. To me, it is that important. ... |
If I deposit money as cash does it count as direct deposit? | Well, it's directly depositing money in your account, but Direct Deposit is something completely different: https://en.wikipedia.org/wiki/Direct_deposit Direct deposits are most commonly made by businesses in the payment of salaries and wages and for the payment of suppliers' accounts, but the facility can be used for ... |
Professional investment planning for small net-worth individual in bearish market | There is no magic bullet here. If you want professional management, because you think they know more about entry and exit points for short positions, have more time to monitor a position, etc... (but they might not) try a mutual fund or exchange traded fund that specializes in shorts. Note: a lot of these may not ha... |
What is the p/e ratio? | The price to earnings ratio is a measure of the company's current share price compared to the annual net earnings per share. The other way to think about this is the number of years a company would take to pay back the share price if the earnings stay constant. This ignores factors like inflation and can be used as a... |
Why does gold have value? | Gold's value starts with the fact that its supply is steady and by nature it's durable. In other words, the amount of gold traded each year (The Supply and Demand) is small relative to the existing total stock. This acting as a bit of a throttle on its value, as does the high cost of mining. Mines will have yields that... |
Can I use balance transfer to buy car? | You do not say what country you are in. This is an answer for readers in the UK. Most normal balance transfer deals are only for paying off other credit cards. However there are "money transfer" deals that will pay the money direct to your bank account. The deals aren't as good as balance transfer deals but they are of... |
Can PayPal transfer money automatically from my bank account if I link it in PayPal? | Practically, as an ebay buyer I have never seen any way to keep a balance in paypal and top it off from my bank account under my own control. It is all automated, and as I seem to recall linking with a bank account or credit card was necessary to get some kind of "confirmed address" status out of Paypal so that eBay s... |
Borrow from 401k for down payment on rental property? | Another option you might consider is rolling over some of that 401K balance into a self-directed IRA or Solo 401K, specifically one with "checkbook privileges". That would permit you to invest directly in a property via your IRA/401K money without it being a loan, and preserving the tax benefits. (You may not be able t... |
Are lottery tickets ever a wise investment provided the jackpot is large enough? | Others have already explained why lotteries have negative expected value, so in that sense it is never wise to buy a lottery ticket. I will provide an alternative view, that it is not always unwise to buy a lottery ticket even though the expected value of the lottery ticket is lower than its cost (i.e. a loss). The qu... |
How to trade fundamentally good stocks over the short to medium term? | Your question is a bit odd in that you are mixing long-term fundamental analysis signals which are generally meant to work on longer time frames with medium term trading where these fundamental signals are mostly irrelevant. Generally you would buy-and-hold on a fundamental signal and ride the short-term fluctuations ... |
Suitable Vanguard funds for a short-term goal (1-2 years) | If you want to invest in the stock market, whether over a shorter period of 1 to 2 years or over a longer period of 10 or 20 years or longer you need to take some precautions and have a written investment plan with a risk management strategy incorporated in your plan. Others have said that 1 to 2 years is too short to ... |
Should I pay off my car loan within the year? | First, don't owe (much) money on a car that's out of warranty. If you have an engine blow up and repairs will cost the lion's share of the car's bluebook value, the entire car loan immediately comes due because the collateral is now worthless. This puts you in a very miserable situation because you must pay off the c... |
On what dates do the U.S. and Canada release their respective federal budgets? | Canada does not have a set date on which a (Federal) budget plan is unveiled. In 2011 it was June 6th. In 2012 it was March 29th and in 2013 it was 21st March. |
Does a failed chargeback affect my credit score? | If this chargeback failed then would it negatively affect my credit score? A credit score is a measure of how dependable of a borrower you are. Requesting a refund for not receiving goods not delivered as promised, whether it is successful or it fails, should not impact your credit score since it has no implications on... |
How to graph the market year over year? for example Dow Jones Index | Instead of using the actual index, use a mutual fund as a proxy for the index. Mutual funds will include dividend income, and usually report data on the value of a "hypothetical $10,000 investment" over the life of the fund. If you take those dollar values and normalize them, you should get what you want. There are so ... |
Is an RRSP always “self-directed”? What makes a “self-directed” RRSP special? | The term self-directed generally refers to RRSP accounts where the account holder has not only the ability to determine a basic investment asset mix (such as can be accomplished even with a limited selection of mutual funds) but, more specifically, the self-directed account holder has a much wider choice of financial i... |
One of my stocks dropped 40% in 2 days, how should I mentally approach this? | Don't throw good money after bad. If you bought on the peak of an event like news/earnings hoping for more and ignored its value than you might be doomed. Determine the stocks value and see it as a buying opportunity if it's still sweet. If not buy more carefully. Those kinds of moves in that range you must have been ... |
Short term parking of a large inheritance? | What are the options available for safe, short-term parking of funds? Savings accounts are the go-to option for safely depositing funds in a way that they remain accessible in the short-term. There are many options available, and any recommendations on a specific account from a specific institution depend greatly on th... |
How does a CFD work behind the scenes? | There are several ways that the issuers profit from CFDs. If the broker has trades on both sides (buy and sell) they can net the volumes off against each other and profit off the spread whilst using the posted margins to cover p&l from both sides. Because settlement for most securities is not on the same day that the o... |
Finding stocks following performance of certain investor, like BRK.B for Warren Buffet | Since nobody seems to have an answer here is the list I've came up so far: I'll keep adding to the list - also feel free to edit or comment if can add to the list. |
How much more than my mortgage should I charge for rent? | The rent will be determined by: the rent being charged on similar houses near you. Your mortgage and other costs (very unfortunately!) have no bearing, at all, on the price you will get. |
Finance, Cash or Lease? | Now, to buy in full (and essentially have zero savings), buy in part (£10000 deposit, followed by a loan of £4000) or PCP/HP more of the value? So, you are assessing if the car is worth having with either none or only 4,000 in savings. This is the most critical information you have provided. My outright opinion is to... |
How would I use Google Finance to find financial data about LinkedIn & its stock? | Your analysis is correct. The income statement from Google states that LinkedIn made $3.4 million in 2010 - the same number you backed into by using the P/E ratio. As you point out, the company seems overvalued compared to other mature companies. There are companies, however, that posts losses and still trade on exc... |
How are long-term/short-term capital gains tax calculated on restricted stock? | Is the Grant Date or the Vest Date used when determining the 12-month cutoff for long-term and short-term capital gains? You don't actually acquire the stock until it's vested, so that is the date and price used to determine your cost basis and short-term/long-term gain/loss. The grant date really has no tax bearing. ... |
Received mysterious K-1 form, seeking answers | You should contact the company and the broker about the ownership. Do you remember ever selling your position? When you look back at your tax returns/1099-B forms - can you identify the sale? It should have been reported to you, and you should have reported it to the IRS. If not - then you're probably still the owner. ... |
How to use stocks certificate as a gift to a teenager? | Yes, depending on what you're trying to achieve. If its just a symbolic gift - you can use a service like this. There are several companies providing this service, look them up, but the prices are fairly the same. You'll end up getting a real stock certificate, but it will cost a lot of overhead (around $40 to get the ... |
401(k) Investment stategies | Ending up with nothing is an unlikely situation unless you invest 100% in a company stock and the company goes under. In order to give you a good answer we need to see what options your employer gives for 401k investments. The best advice would be to take a list of all options that your employer allows and talk with a ... |
For the first time in my life, I'm going to be making real money…what should I do with it? | Your attitude is great, but be careful to temper your (awesome) ambition with a dose of reality. Saving is investing is great, the earlier the better, and seeing retirement at a young age with smooth lots of life's troubles; saving is smart and we all know it. But as a college junior, be honest with yourself. Don't y... |
Can I buy and sell a house quickly to access the money in a LISA? | Your first home can be up to £450,000 today. But that figure is unlikely to stay the same over 40 years. The government would need to raise it in line with inflation otherwise in 40 years you won't be able to buy quite so much with it. If inflation averages 2% over your 40 year investment period say, £450,000 would buy... |
What are the advantages/disadvantages of a self-directed IRA? | The main advantage and disadvantage I can see in a scenario like this are - how savvy and good an investor are you? It's a good way to create below-market average returns if you're not that good at investing and returns way above market average if you are... |
What laws/regulations are there regardings gifts in the form of large sums of money? | This depends on the country(ies) involved. US citizen/resident giving gifts is required to pay a gift tax. The recipient of the gift, however, pays nothing. The value of the gift at the time of the gift-giving is used to determine the tax, and an exclusion of $14000 per person per year (as of 2013) is available to allo... |
Does my net paycheck decrease as the year goes on due to tax brackets filling up? | Most countries with income tax, including the USA, design their withholding system so that in straightforward cases, tax is withheld from each month's paycheck on an annualized basis: tax for a month is calculated on the assumption that you will keep earning the same monthly amount for the rest of the year, and the wit... |
Question about being a resident | This sort of involves personal finance, and sort of not. But it's an interesting question, so let's call it on topic? Short answer: yes. Long answer: it depends who's asking. If you're trying to qualify for in-state tuition, for example, you need to have been in state for a certain amount of time. For tax purposes, the... |
I'm 23, living at home, and still can't afford my own property. What could I do? | You have made the most important first step by starting to think about your money, well done. Firstly pay of all credit cards as quickly as you can and start to live within your means. Until you have paid of your credits cards don’t spend any money of unnecessary items, e.g. Once your credit cards are paid off you can... |
What is a straddle? | Came across this very nice video which explains the "Long Straddle". Thought will share the link here: http://www.khanacademy.org/finance-economics/core-finance/v/long-straddle |
Visiting vacation rental with immediate family | No, you cannot deduct it. There's no business substance in such a trip, it is your vacation, and as such cannot be claimed as an expense against the rental income. You may be able to deduct the coffee you buy for the meeting with the property manager while there, but there's no way you can justify a 7-10 days vacation ... |
Why do more floating shares mean less volatility for the stock? | More shares mean less volatility because it takes a larger number of trades, a larger number of shares per trade, or a combination of both to raise or lower the stock price. Institutional investors (mutual funds, pensions, hedge funds, other investment firms, etc) are the sorts of organizations with the large amounts o... |
Ways to trade the Euro debt crisis | Short the Pound and other English financial items. Because the English economy is tied to the EU, it will be hit as well. You might prefer this over Euro denominated investments, since it's not exactly clear who your counterpart is if the Euro really crashes hard. Meaning suppose you have a short position Euro's ver... |
Is the return on investment better with high or low dividends? | Someone (I forget who) did a study on classifying total return by the dividend profiles. In descending order by category, the results were as follows: 1) Growing dividends. These tend to be moderate yielders, say 2%-3% a year in today's markets. Because their dividends are starting from a low level, the growth of divid... |
Is it ever a good idea to close credit cards? | It is an issue of both utilization and average age of accounts. If your cards with $0 balances on them are: A) newer cards than the ones you are carrying balances on and you don't want them B) much lower limit cards than the ones you are carrying balances on then you can raise your score by closing them, as the utiliza... |
Online tutorials for calculating DCF (Discounted Cash Flow)? | Here's a link to an online calculator employing the Discounted Cash Flow method: Discounted Cash Flows Calculator. Description: This calculator finds the fair value of a stock investment the theoretically correct way, as the present value of future earnings. You can find company earnings via the box below. ... |
First time homeowner and getting a mortgage? | If you have good credit, you already know the rate -- the bank has it posted in the window. If you don't have good credit, tell the loan officer your score. Don't have them run your credit until you know that you're interested in that bank. Running an application or prequal kicks off the sales process, which gets very ... |
Is it OK to use a credit card on zero-interest to pay some other credit cards with higher-interest? | good vs "bad" debt in the context of that post. At least in the UK this can be a good tactic to reduce the cost of credit card debt. Some things to consider |
Minor stakes bought at a premium & valuation for target company | In some cases, when a company purchases a minor stake, they often intend to increase the size of the stake over time. As a reference, note that Coca Cola has increased their stake in Green Mountain Coffee Roasters (GMCR) over time. It also adds some "support" to the price because these investors may be willing to step ... |
First Time Home Buyers - Down Payment, PMI and Points | The question Why would refinancing my mortgage increase my PMI, even though rates are lower? contains a decent discussion of PMI. It's based on the total amount you borrow, not just the difference to 80% LTV. For easy math, Say you put 15% down on a $100K house. Your PMI is 1.1%, not on the 'missing' $5000, but on the... |
Best starting options to invest for retirement without a 401k | First, check out some of the answers on this question: Oversimplify it for me: the correct order of investing When you have determined that you are ready to invest for retirement, there are two things you need to consider: the investment and the account. These are separate items. The investment is what makes your mone... |
Why would people sell a stock below the current price? | Why would people sell below the current price, and not within the range of the bid/ask? There are many scenarios where this is deliberate but all of them boil down to the fact that the top level's bid doesn't support the quantity you're trying to sell (or is otherwise bogus[1]). One scenario as an example: You're day-t... |
Should I use a bank or a credit union for my savings account? | In practical terms, these days, a credit union IS a small "savings and loan" bank -- the kind of bank that used to exist before bankers started making money on everything but writing loans. They aren't always going to offer higher interest and/or cheaper loans than the bank-banks, but they're almost always going to be ... |
Are spot market ,regular market and ready market same in stock trading if not then what is the difference? | So, the term "ready market" simply means that a market exists in which there are legitimate buy/sell offers, meaning there are investors willing to own or trade in the security. A "spot market" means that the security/commodity is being delivered immediately, rather at some predetermined date in the future (hence the t... |
If there's no volume discount, does buying in bulk still make sense? | I agree with Rich Seller. Avoiding a trip to the store is a benefit. Not only do you save the time and hassle, but there's real money saved if a car trip is avoided: I maintain a spreadsheet for all of my car expenses – depreciation, maintenance, insurance, license & registration, gas, etc. Combined with starting & e... |
Is it commonly possible to buy an “Option for a Mortgage at a specific Interest Rate”? | I think the answer to this is just "no." It's not commonly available to have the option to obtain a mortgage at a fixed amount and fixed rate, especially over a timeframe like the 5 yrs you mentioned in your question. There would be several practical problems with such a thing, including but not limited to: As was no... |
Should I use regular or adjusted close for backtesting? | You would have to compare your backtesting to what you will be doing in real trading, and try to have the backtesting as close to your real trading as possible. Note: you may never get the backtesting to match your real trading exactly but you need to get as close as possible. The whole purpose of backtesting is to che... |
Prices go up and salary doesn't: where goes delta? | I expected a word or two on the price elasticity of demand here :) Andrey, Your question needs slight revision in its current form. Rising prices actually do not mean increased profitability for a company. The quantity they sell also pays a huge part and actually is correlated to the price at which they sell the goods ... |
For a mortgage down-payment, what percentage is sensible? | I think anything from 10% on demonstrates a reasonable ability to save. I would consider ongoing debt level a better indicator than the size of the down payment. It's been my experience that, without exception, there is a direct correlation between a persons use of revolving credit and their ability to manage their mo... |
What's the benefit of a credit card with an annual fee, vs. a no-fee card? | Just to make this a little less vauge, I will base everything on the Mercedes Benz American Express (MB AMEX) card, which is the closest to a $100 annual fee I found on American Express's website. The benefits of a card with an annual fee generally are worth the cost if (and only if) you spend enough money on the card,... |
What is expense growth in this diagram? | The "c." is probably circa, or "about." Regulatory settlements is in blue because it's negative; the amount is in parentheses, which indicates a loss. WB and CB might be wholesale banking and commercial banking? BAU probably means "business as usual" or things that don't directly apply to the project. Incremental inve... |
A University student wondering if investing in stocks is a good idea? | Contrary to most other advise given here, I'd recommend (in your situation) not to invest in stock (yet). There are some 'hidden' cost to investing that will eat your profit and in the end, that's why you are investing. Banks will charge for buying, selling and maintaining stock as well as for cashing dividends. Depend... |
How should we organize our finances to effectively plan and prepare for an retirement in next 10 years? | Wow! First, congratulations! You are both making great money. You should be able to reach your goals. Are we on the right track ? Are we doing any mistakes which we could have avoided ? Please advice if there is something that we should focus more into ! I would prioritize as follows: Get on the same page. My first re... |
In a house with shared ownership, if one person moves out and the other assumes mortgage, how do we determine who owns what share in the end? | The ownership of the house depends on what the original deed transferring title at the time of purchase says and how this ownership is listed in government records where the title transfer deed is registered. Hopefully the two records are consistent. In legal systems that descended from British common law (including ... |
Should I talk about my stocks? | I like your question and think it is a pretty good one. Generally speaking I would not suggest talking about your stock picks or wealth. Here is why: 1) Most people are broke. Seventy-eight percent of the US population report living paycheck to paycheck. More than a majority do not have enough in savings to cover ... |
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