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Is it a good practice to keep salary account and savings account separate? | In my opinion, separating your money into separate accounts is a matter of personal preference. I can only think of two main reasons why people might suggest separating your bank accounts in this way: security and accounting. The security reasoning might go something like this: My employer has access to my bank account... |
Who determines, and how, the composition of the S&P 500 index? | The S&P 500 index is maintained by S&P Dow Jones Indices, a division of McGraw Hill Financial. Changes to the index are made periodically, as needed. For Facebook, you'll find it mentioned in this December 11, 2013 press release (PDF). Quote: New York, NY, December 11 , 2013 – S&P Dow Jones Indices will make the foll... |
How do I determine how much rent I could charge for a property or location? | Check out the property websites to get an idea of how much, the property in question, could yield as rent. Most give a range and you can get a good idea of it. Just one example from zoopla. Likewise you can refer mouseprice or rightmove and get yourself an idea. Property websites do a lot of data crunching to do an upd... |
How to calculate my estimated taxes. 1099 MISC + Self Employment | There are a couple of things that are missing from your estimate. In addition to your standard deduction, you also have a personal exemption of $4050. So "D" in your calculation should be $6300 + $4050 = $10,350. As a self-employed individual, you need to pay both the employee and employer side of the Social Security ... |
online personal finance software that I can host myself | You can use www.mint.com for most of your requirements. It works great for me, it's free and I'd say is secure. Hosting that kind of service just for your will be time-consuming and not necessarily more secure than most of the stuff that is readily available out there. Good luck. |
How does one typically exit (close out) a large, in-the-money long put option position? | While open interest usually correlates to volume, the mark of liquidity is the bid ask spread. Even when trading options with spreads as large as an ask 2x the bid, a more realistic price that traders are willing to accept lies somewhere in the middle. Any option can easily be exited at intrinsic value: underlying pric... |
How could USA defaulting on its public debt influence the stock/bond market? | Regarding the Summer of 2011 Crisis: There is NO reason that the United States cannot continue borrowing like it is just based on a particular ratio: Debt to GDP. The Debt to GDP ratio right now is around 100%, or 1:1. This means the US GDP is around $14 Trillion and its debt is also around $14 trillion. Other countr... |
401k with paltry match or SPY ETF? | I think you understood much of what I say, in general. Unfortunately, I didn't follow Patches math. What I gleen from your summary is a 1% match to the 10% invested, but a .8% expense. The ETF VOO has a .05% annual fee, a bit better than SPY. A quick few calculations show that the 10% bonus does offset a long run of ... |
Is Amazon's offer of a $50 gift card a scam? | a free $50 looks too good to be true. As others already pointed out, these offers are common to many cards that want you to build loyalty towards a particular company (e.g. airlines cards give lots of mileage for a decent initial spend). Should I get this card for the $50? Why and/or why not? How much do you spend on A... |
Started new job. Rollover previous employer 401k to new 401k, IRA or Roth IRA? | You should never roll a 401(k) to a Roth IRA. If the intention is to do so, you are better off rolling to a traditional IRA, and then converting. (Per the comment below, I should add - if the 401(k) contained post tax money, this portion rolls to a Roth, not a Tradition IRA. You then have the exercise of converting/rec... |
Are there capital gains taxes or dividend taxes if I invest in the U.S. stock market from outside of the country? | The country from which you purchase stock cannot charge you tax on either income or capital gains. Taxation is based on residency, so even when you purchase foreign stock its the tax laws of Malaysia (as your country of residence) that matter. At the time of writing, Malaysia does not levy any capital gains tax and the... |
property owned 50/50 between my brother and me | Not sure what you are talking about. The house isn't part of a business so neither of you can deduct half of normal maintenance and repairs. It is just the cost of having a house. The only time this would be untrue is if the thing that you are buying for the house is part of a special deduction or rebate for that t... |
How do I find a legitimate, premium credit repair service? | Just a word of warning: Most of the companies that promise to repair your credit are scams or close to them. You could just as easily do yourself what they are going to charge you for. Essentially they write a letter to the credit agencies disputing most or all of the bad stuff on your credit report. When you do that,... |
How long to wait after getting a mortgage to increase my credit limit? | My recommendation is to not ask for a credit increase, but just increase the utilization of one card if you have multiple cards, and decrease the utilization of the others, and continue paying off all cards in full each month. In a few months, you will likely be offered a credit increase by the card that is getting ... |
Why could the serious financial woes of some EU member states lead to the end of the Euro? | The Euro is a common currency between various countries in Europe. This means that individual countries give up their traditional sovereign control of their own currency, and cede that control to the EU. Such a system has many advantages, but it also means that individual countries cannot deal with their unique situat... |
Dealership made me the secondary owner to my own car | You are co-signer on his car loan. You have no ownership (unless the car is titled in both names). One option (not the best, see below) is to buy the car from him. Arrange your own financing (take over his loan or get a loan of your own to pay him for the car). The bank(s) will help you take care of getting the titl... |
If gold's price implodes then what goes up? | It seems that you're interested in an asset which you can hold that would go up when the gold price went down. It seems like a good place to start would be an index fund, which invests in the general stock market. When the gold market falls, this would mainly affect gold mining companies. These do not make up a sizable... |
Can I buy stocks directly from a public company? | Yes, you often can buy stocks directly from the company at little or no transaction cost. Many companies have either a Dividend Reinvestment Plan (DRIP) or a Direct Stock Plan (DSP). With these plans, you purchase shares directly from the company (although, often there is a third party transfer agent that handles the... |
Get car loan w/ part time job as student with no credit, no-cosigner but no expenses | Ben already covered most of this in his answer, but I want to emphasize the most important part of getting a loan with limited credit history. Go into a credit union or community bank and talk to the loan officer there in person. Ask for recommendations on how much they would lend based on your income to get the best i... |
Why not pay in full upfront for a car? | Possible (unlikely) reasons: But usually, yeah, if you can pay cash, you should. |
Does the IRS reprieve those who have to commute for work? | Short answer, yes. But this is not done through the deductions on Schedule A. This can happen if the employer creates a Flexible Spending Account (FSA) for its employees. This can be created for certain approved uses like medical and transportation expenses (a separate account for each category). You can contribute amo... |
Why would a company care about the price of its own shares in the stock market? | The fact you are asking this question, the number of up votes, uncovers the real cause of the banking crisis. Answers which mention that shareholders will fire a public company board are on the bottom. It is obvious that a company owners are interested in company value. And should have direct and easy impact on a di... |
Is there a limit on the dollar amount of a personal check? | Like the old American Express commercial: "no preset spending limit". It is really up to the bank(s) in question how big a cheque they are willing to honour. A larger amount would likely be held longer by a receiving institution to ensure that it cleared properly, but nothing written in law (in Canada, that I am aware ... |
US Stock Market - volume based real-time alert | Real-time equity (or any other market) data is not available for free anywhere in the US. It is always delayed by 10-15 minutes. On the other hand, online brokers who target the "day trader" (Interactive Brokers, TD Ameritrade, etc.) offer much closer to real-time data AND feature all the tools/alerts/charts/etc. you ... |
Value investing | The June 2014 issue of Barclays Wealth's Compass magazine had a very nice succinct article on this topic: "Value investing – does a rules-based approach work?". It examines the performance of value and growth styles of investment in the MSCI World and S&P500 arenas for a few decades back, and reveals a surprisingly co... |
Indian resident owning dividend-paying shares in company based in France: Can I save on withholding tax? | France taxes capital / dividend gains accrued in France. Hence you will not be able to reduce this liability. India does have a Double Tax Avoidance Treaty with France and you can claim relief for the tax paid in France. |
Calculating profits for a private fund | Thanks for the answer/comments! The time-based method was something we mooted and something I almost went with. But just to wrap this up, the method we settled on was this: Every time there is an entry or exit into the fund, we divvy out any unrealised market profits/losses according to each person's profit share (base... |
Why was S&P 500 PE Ratio so high on May 2009 | Asking why the p/e was so high is best answered "because reported earnings were so low". Recall that the S&P500 bottomed in early March 2009 when the panic of the financial crisis reached exhaustion. As noted on the page you have linked, the reported p/e ratios are computed using reported earnings from the trailing tw... |
Where was the huge scandal in the Wells Fargo scandal? | The Wells Fargo scandal was and still is a big deal because Wells Fargo opened over 1.5 million unauthorized bank and credit card accounts. The credit card accounts were opened without authorization, which means people's credit scores and reports were pulled without permission. That is considered fraud and identity the... |
Where should I park my rainy-day / emergency fund? | I am using ING for my emergency savings, but sometime last year I discovered SmartyPig. As of 4/24/2010 they offer 2.1%, which is even better than the 1 year CDs at most banks. I've switched two small accounts to SmartyPig and plan to switch my emergency savings. Their accounts are geared around monthly contributions, ... |
5/1 ARM: Lifetime cap, First Adjustment Cap, Margin, and Annual Cap? | If the base rate is USD LIBOR, you can compute this data directly on my website, which uses futures contracts and historical data to create interest rates scenarios for the calculations: http://www.mortgagecalculator3.com/ If your rate index is different, you can still create your own scenarios and check what would hap... |
Is there a Canadian credit card which shows holds? | As for PC Mastercard like stated by @nullability, VISA Desjardins list the "Pending Authorizations" almost instantly (the time it's take to get back home) in AccesD (Their Web portal for managing accounts). |
Investing in dividend-yielding stocks with money borrowed from margin account? | My gut is to say that any time there seems to be easy money to be made, the opportunity would fade as everyone jumped on it. Let me ask you - why do you think these stocks are priced to yield 7-9%? The DVY yields 3.41% as of Aug 30,'12. The high yielding stocks you discovered may very well be hidden gems. Or they may ... |
Can you explain the mechanism of money inflation? | An economy produces goods and services and people use money to pay for those goods and services. Money has value because people believe that they can buy and sell goods and services with it in that economy. How much the value of money is, is determined by how much money there is in comparison to goods and services (su... |
Should you keep your stocks if you are too late to sell? | The price at which a stock was purchased is a sunk cost--that is, you cannot go back in time and reverse the decision you made to purchase that stock. Another example of a sunk cost would be purchasing a non-refundable, non-transferable movie ticket. Sunk costs have the tendency to create a cognitive bias in which we... |
How does my broker (optionsXpress) calculate probabilities that the stock will hit a certain price? | Their algorithm may be different (and proprietary), but how I would to it is to assume that daily changes in the stock are distributed normally (meaning the probability distribution is a "bell curve" - the green area in your chart). I would then calculate the average and standard deviation (volatility) of historical r... |
Is there data and proof that a diversified portfolio can generate higher returns than the S&P 500 Index? | While it's definitely possible (and likely?) that a diversified portfolio generates higher returns than the S&P 500, that's not the main reason why you diversify. Diversification reduces risk. Modern portfolio theory suggests that you should maximize return while reducing risk, instead of blindly chasing the highest r... |
Have plenty of cash flow but bad credit | A) The Credit Rating Agencies only look at the month-end totals that are on your credit card, as this is all they ever get from the issuing bank. So a higher usage frequency as described would not make any direct difference to your credit rating. B) The issuing bank will know if you use the credit with the higher frequ... |
Ways to establish credit history for international student | I would like to establish credit history - have heard it's useful to gain employment and makes it easy to rent an apartment? Higher credit scores will make it easier with landlords, that's true. As to employment - they do background checks, which means that they usually won't like bad things, but won't care about the... |
Is the contribution towards Employment Insurance (EI) wasted if I never get fired, or are my premiums refunded? | It is not wasted: it bought you peace of mind. Perhaps you would have had peace of mind without it, because of the particular industry you are in. But people from any industry can get sick or give birth, and not all industries are as evergreen as people think. A number of my onetime programmer colleagues now drive a tr... |
High credit utilization, some high interest - but credit score not overly bad. How to attack debt in this situation? | The bottom line is you have an income problem. Your car payment seems very high relative to your income and your income is very low relative to your debt. Can you work extra jobs or start a small business to get that income up? In the US it would be fairly easy to work some part time jobs to get that income up abou... |
Should you diversify your bond investments across many foreign countries? | The Vanguard Emerging Market Bond Index has a SEC yield of 4.62%, an expense ratio of 0.34%, a purchase fee of 0.75%, and an average duration of 6.7 years. The Vanguard Emerging Market Bond Index only invests in US Dollar denominated securities, so it is not exposed to currency risk. The US Intermediate Term Bond Ind... |
Do I need to own all the funds my target-date funds owns to mimic it? | Over time, fees are a killer. The $65k is a lot of money, of course, but I'd like to know the fees involved. Are you doubling from 1 to 2%? if so, I'd rethink this. Diversification adds value, I agree, but 2%/yr? A very low cost S&P fund will be about .10%, others may go a bit higher. There's little magic in creating ... |
How can I legally and efficiently help my girlfriend build equity by helping with a mortgage? | There is no simple, legally reasonable, way for her to build equity by helping out with your mortgage, without her having a claim to your mortgage. The only 'equitable' thing she can do is rent from you. If you want her to be building equity, have her start and fund a brokerage account for herself. If you have an affi... |
How can I lookup the business associated with a FEIN? | If it is Texas company, you can try doing a taxable entity search on the Texas Comptroller website. |
What tax can I expect on US stocks in a UK ISA? | non-resident aliens to the US do not pay capital gains on US products. You pay tax in your home country if you have done a taxable event in your country. http://www.investopedia.com/ask/answers/06/nonusresidenttax.asp#axzz1mQDut9Ru but if you hold dividends, you are subject to US dividend tax. The UK-US treaty should t... |
Do rental car agencies sell their cars at a time when it is risky for the purchaser? | I've been told by staff in my local car hire agency that they get such big discounts that they actually make money selling the cars, so they replace all their cars every six months (in the UK the number plate indicates when the car was registered, in six month periods). This suits the manufacturers, because it means th... |
Invest in (say, index funds) vs spending all money on home? | Here in the UK, the rule of thumb is to keep a lot of equity in your home if you can. I assume here that you have a lot of savings you're considering using. If you only have say 10% of the house price you wouldn't actually have a lot of choice in the matter, the mortgage lender will penalise you heavily for low deposit... |
When buying a call option, is the financial stability of the option writer relevant? | In the case of regulated, exchange-traded options, the writer of an options contract is obliged to maintain a margin with their broker, and the broker is obliged to maintain a margin with the clearing house. (Institutional writers of options will deal directly with the clearing house.) In the event that the writer is ... |
How to open a Mega Money Market account without an ssn? | According to the IRS: Aliens who are not eligible to apply for a U.S. social security number, or who do not meet the Social Security Administration's evidence requirements for an SSN, may apply for an Individual Taxpayer Identification Numbers (ITIN) from the Internal Revenue Service if they have a valid tax r... |
Should I use my non-tax advantaged investment account to pay off debt? | If what you are paying in interest on the debt is a higher percentage than what your investments are returning, the best investment you can make is to pay off the debt. If you're lucky enough to be paying historically low rates (as I am on my mortgage) and getting good returns on the investments so the latter is the hi... |
Is there a significant danger to market orders as opposed to limit orders? | If you want your order to go through no matter what then you should be using market orders rather than limit orders. With limit orders you may get the price you are after or better but you are not guaranteed to get your order transacted. With a market order you are guaranteed to get you order transacted but may get a p... |
How can I increase my hourly pay as a software developer? | You are paid hourly? I would have expected most IT people to be on salary Depends what your boss is like, he might be easy going and just give a raise if you ask for it. Failing that, do some self improvements, learn something new, take a course, maybe take some PHP certifications or even java certifications? Then at l... |
Further Understanding of Wash Sale Rules | Once you own no shares for 31 days, it's game over. Even though the accounting has wash sales to consider, in the end, gains and losses all cancel to one net position of break even, gain or loss. It's when there are shares remaining at the end of a period of time that the wash sale rules really impact the numbers. |
Why invest in IRA while a low-cost index fund is much simpler? | Lots of good answers. I'll try and improve by being more brief. For each option you will pay different taxes: Index Fund: Traditional IRA Roth IRA You can see that the Roth IRA is obviously better than investing in a taxable account. It may not be as obvious that the traditional IRA is better as well. The reason ... |
Should I invest in real estate to rent, real estate to live in, or just stocks and bonds to earn 10-15%? | To be completely honest, I think that a target of 10-15% is very high and if there were an easy way to attain it, everyone would do it. If you want to have such a high return, you'll always have the risk of losing the same amount of money. Option 1 I personally think that you can make the highest return if you invest i... |
What benefits are there to having a Pension (Retirement Account) In Ireland? | Here's an Irish government publication that should give you some background information to get you started. In a nutshell, you get tax benefits, but cannot withdraw money without penalty until you reach retirement age. |
UK Contractor with Limited Company | I know a guy on a much higher rate than me, about £500 per day, and he claims to pay around 18% tax which has me bewildered Your acquaintance may be using a tax efficient, or "marketed avoidance" product identical or similar to those required to be registered or declared under DOTAS legislation in the UK. If this is ... |
Can dividends be exploited? | No, the dividends can't be exploited like that. Dividends settlement are tied to an ex-dividend date. The ex-dividend, is the day that allows you to get a dividend if you own the stock. Since a buyer of the stock after this date won't get the dividend, the price usually drop by the amount of the dividend. In your case ... |
Can I buy a new house before selling my current house? | The two most common scenarios are: Since you have more control of timing when you are the buyer compared to when you are the seller, #1 is probably more common, however, a good real estate attorney should be able to walk you through your options should #2 come up. Fortunately, many real estate attorneys do not charge y... |
What happens when the bid and ask are the same? | This question is impossible answer for all markets but there are 2 more possibilities in my experience: |
Family suggests my first real estate. Advice? | Do not borrow to invest in real estate. The interest payments will eat up most of your profit (the property management fees might eat up the rest), and you will have significant risk with tenant issues, property value, etc. Many people have made it work - many also lose everything. Real estate can be a great investme... |
Credit card closed. Effect on credit score (USA) | You need to find out if the credit card has been reporting these failed automated payments as late or missed payments to your credit report. To do this, go to annualcreditreport.com (the official site to get your free credit reports) and request your report from all three bureaus. If you see late or missing payments re... |
HELOC vs. Parental Student Loans vs. Second Mortgage? | Thank God you have your child back, it is so awesome that you finally found a medical treatment that worked. It must have been a truly trying time in your lives. That situation is an important template in personal finance. Through no fault of your own, a series of events occurred that caused you to spend far more m... |
Why does a long/purchased call option have a long position in the option itself? | Being long the call is being long the option. The call is a type of option. A put is a type of option If you buy a call, you are long an option and long the underlying asset. If you buy a put, you are long an option and short the underlying asset. |
Should I finance a used car or pay cash? | One additional reason to pay with cash rather than financing is that you will be able to completely shut down the dealership from haggling over finance terms and get right to the point of haggling over the cost of the car (which you should always do). |
LLC in states with customers with and without employees in the state | If I hire someone in Utah to do sales for me over the phone, and he works out of his home, am I required to register an LLC or file my current one as a foreign entity in Utah? Yes, since you've established presence in Utah. You'll register your current LLC in Utah, no point creating another one. If my sales guy, or... |
How much will a stock be worth after a merger? | It depends. If you accept the offer, then your stock will cease existing. If you reject the offer, then you will become a minority shareholder. Depending on the circumstances, you could be in the case where it becomes illegal to trade your shares. That can happen if the firm ceases to be a public company. In that ... |
Why can Robin Hood offer trading without commissions? | They make money off you by increasing the spread you buy and sell your stocks through them. So for example, if the normal spread for a stock was $10.00 for a buy and $10.02 for a sell, they might have a spread of $9.98 for the buy and $10.02 for the sell. So for an order of 1000 shares (approx. $10000) they would make... |
How do you choose which mortgage structure is appropriate when buying a home? | Go for 15 years loan - Lower interest rate over 2-5 years period. If you can afford to pay 20% down then please do. Do not assume the average ROI will +(8-10%). It all depends on market and has variable factors like city, area and demand. |
Any Ubiquitous Finance App That is on Mac, iOS and Windows? | As I have said before on this site, I personally use Moneydance. They have Mac, Linux and Windows support, and recently added an iOS mobile version that syncs with the desktop. I have only used the Mac "desktop" version, and it seems to function well, but have not tried the other platforms, nor the iOS version. I have ... |
How does a no-limit charge card affect your credit score? | Apparently it is up to the credit card company on how they want to report your available balance. Another disadvantage to the no-limit credit card may not be apparent to most people, but it is something noted by organizations like The Motley Fool, which is expert in many issues of finance and investment. Part... |
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... |
Why does financial investor bother to buy derivatives and then hedge the position? | There are a number reasons to hedge a position. Here are some of the more common: |
Is there a term for the risk of investing in an asset with a positive but inferior return? | I'd question whether a guaranteed savings instrument underperforming the stock market really is a risk, or not? Rather, you reap what you sow. There's a trade-off, and one makes a choice. If one chooses to invest in a highly conservative, low-risk asset class, then one should expect lower returns from it. That doesn... |
Is there a way I can get bid/ask price data on the NSE in real time? | Quite a few Banks/brokers offer direct terminals to NSE where you can see live prices. |
What ways are there to invest in stocks, options, indexes, etc, and where should one start (what funds)? | Ryan's suggestion to index for your main strategy is dead on. Your risk is highest with one given stock, and decreases as you diversify. Yet, picking the stocks one at a time is an effort, when done right, it's time consuming. For what one can say about Jim "mad money" Cramer, his advice to spend an hour a month studyi... |
Capitalize on a falling INR | By no means is this a comprehensive list, but a few items to consider: |
I'm upside down on my car loan and need a different car, what can I do? | Before buying a new car, determine whether you really need one! If there's an automotive discussion, you should ask there FIRST to get opinions on how much all-wheel-drive helps. You may not want to change cars at all. Remember, most of us in the Northeast are NOT driving all-wheel-drive vehicles, and all cars have all... |
Does modifying an order cancel the old one and submit a new one | Limit books are managed by exchanges. If an order is not immediately filled, it is sent to the book. From there, orders are generally executed on price-time-priority. The one major exception is the precedence hide-not-slide orders have over earlier placed visible slidden limit orders since unslidden orders are treate... |
What can I replace Microsoft Money with, now that MS has abandoned it? | I use http://moneydance.com/ it has Mac, Windows and Linux versions and works well for my needs. |
Is it usual for a tradesperson not to charge VAT? | Assuming this to be in the UK, and I suspect the rules are similar elsewhere, this indeed may be true. There is a threshold beneath which a business does not have to register for VAT - currently a turnover of £81,000. A non VAT registered business does not charge VAT but also cannot reclaim the VAT on their business e... |
Why do banks encourage me to use online bill payment? | Another reason for banks to push this is sitckyness. Once you have all of your bills setup, its more trouble to change banks. This reduces the customer turnover rate, which lowers their costs. |
What college degree should I pursue to learn about stock and forex markets? | Financial Economics, although, as I understand it, not all colleges offer this major. |
What does an x% inflation rate actually mean? | Individual product prices do not necessarily rise at inflation rates. What inflation means is that the purchasing power of one unit of currency decreases by x% in a year, which is typically measured by looking at a broad spectrum of products in an economy and extrapolating to "all products". So for all products acros... |
How did my number of shares get reduced? | How can they reduce the number of shares I hold? They may have purchased them. You don't say what stock it is, so we can only speculate. Let's say that the stock is called PENNY. So they may have taken your 1600 PENNY shares and renamed them to 1600 PENNYOLD shares. Then they created a new $5 PENNY share and gave y... |
Do I make money in the stock market from other people losing money? | Do I make money in the stock market from other people losing money? Not normally.* The stock market as a whole, on average, increases in value over time. So if we make the claim that the market is a zero-sum game, and you only make money if other people lose money, that idea is not sustainable. There aren't that many p... |
Equity prices during currency devaluation — Mexico 1994 | Yes, this phenomenon is well documented. A collapse of an economy's exchange rate is coincidented with a collapse in its equities market. The recent calamities in Turkey, etc during 2014 had similar results. Inflation is highly correlated to valuations, and a collapse of an exchange rate is highly inflationary, so ... |
Latest China devaluation (24/08/2015) and the affect on house prices in UK | No. There is no indication that the recent decline will have an impact on the house market in the UK. The reason(s) for the downward move these last few weeks are mainly due to: The last two points caused the Chinese government to decide to devaluate the Yuan. This in turn triggered an unforeseen panic attack among inv... |
How much do big firms and investors affect the stock market? | The price of a company's stock at any given moment is established by a ratio of buyers to sellers. When the sellers outnumber the buyers at a given price, the stock price drops until there are enough people willing to buy the stock to balance the equation again. When there are more people wanting to purchase a stock ... |
Carry-forward of individual losses, with late-filed past taxes [US] | Is Jim right to be worries? Yes, since the statute of limitations for refunds for 2012 is close and he might lose any tax refunds he might be entitled to for that year. Also, the pattern itself may raise some flags of suspicion and trigger audits, both because of such a variance in income and because of the medical exp... |
If I have 10,000 stocks to sell with 23 B market cap | First a quick terminology correction: I believe you're proposing selling 10,000 shares of the stock of a company, not "10,000 stocks". When you sell, you need to decide whether you're selling for a specific minimum price or just selling for whatever price you can get. If you set a specific lower limit on asking price, ... |
Is stock in a company considered a good or a service, or something else? | Stock is ownership. And whether the thing you own is a good or service irrelevant. The ownership itself is all that matters. Ownership = service ??? Ownership = good ??? Maybe the problem is your trying to fit a verb into a noun-based categories? |
Employer options when setting up 401k for employees | If you were looking to maximize your ability to save in a qualified plan, why not setup a 401K plan in Company A and keep the SEP in B? Setup the 401K in A such that any employee can contribute 100% of their salary. Then take a salary for around 19K/year (assuming under age 50), so you can contribute and have enough t... |
How much of my capital should I spend on subscribing to a stock research company? | To complement farnsy's answer, I want to warn people against market prediction scams. If they give uniformly distributed buy/sell predictions to 256 people, one of them will get eight correct predictions in a row. They are trading a few cents of Amazon server time for 3% of your capital. |
Is it accurate to say that if I was to trade something, my probability of success can't be worse than random? | One key piece missing from your theory is the bid/ask spread. If you buy a stock for $10, you usually can't immediately turn around and sell it for $10. You can only sell it for whatever someone is willing to pay for it. So virtually any random investment (stocks, bonds, forex, whatever) immediately loses a small amou... |
15 year mortgage vs 30 year paid off in 15 | Why won't anyone just answer the original question? The question was not about opportunity cost or flexibility or family expenses. There are no right answers to any of those things and they all depend on individual circumstances. I believe the answer to the question of whether paying off a 30-year mortgage in 15 years ... |
Why would anyone want to pay off their debts in a way other than “highest interest” first? | I wouldn't advocate it, but one reason to pay a lower interest rate is if you have $990 on a $1000 limit credit card with 6% interest and $5000 on a $15k limit card at 10% interest. Having $500 to pay in a month and putting it on the lower interest would free up a greater percentage of credit on that card and could pot... |
Why do people buy insurance even if they have the means to overcome the loss? | There are a couple of reasons that a person might choose to use insurance even if they could handle the financial loss if something went wrong. They know their risk better than the insurance company. While it might seem odd at first glance that an individual can be better at assessing risk than a large company with tho... |
What is Fibonacci values? | Usually when a stock is up-trending or down-trending the price does not go up or down in a straight line. In an uptrend the price may go up over a couple of days then it could go down the next day or two, but the general direction would be up over the medium term. The opposite for a downtrend. So if the stock has been ... |
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