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My bank refused to do a charge back | You can't make your bank do a charge back. This function is to assist with straight up fraud, not a customer service mistake. (Think spoofed or stolen card or if a vendor intentionally acted fraudulently.) While you may believe what they did is fraud, your bank will require that you provide the vendor with the opportun... |
Can anybody explain “cut their exposure to equities” and “fat and flat range” for me, please? | Someone's (or, a bank's) "exposure to equities" refers to the amount of value which has a risk that fluctuates with the equities market (ie: the stock market). In very broad terms, I think it might make sense to say that exposure to equities could mean, for example, owning many rental properties, if the rental market w... |
What is a good asset allocation for a 25 year old? | In my opinion, the key variable for you (and others) is not age, but "vintage." Your "age" suggests that you were born in the mid-1980s, in the middle of a bull market. The most remunerative investing periods for you are likely to be in your childhood (past) and middle age (forties and early fifties). Also your, "old-o... |
To rebalance or not to rebalance | 'Buy and Hold' Is Still a Winner: An investor who used index funds and stayed the course could have earned satisfactory returns even during the first decade of the 21st century. by By Burton G. Malkiel in The Wall Street Journal on November 18, 2010: "The other useful technique is "rebalancing," keeping the portfolio a... |
Car dealer saying that they cannot see any credit information for my co-applicant. Could this be a scam? | You say Also I have been the only one with an income in our household for last 15 years, so for most of our marriage any debts have been in my name. She has a credit card (opened in 1999) that she has not used for years and she is also a secondary card holder on an American Express card and a MasterCard that are both ... |
What is the difference between fund and portfolio? | Oddly enough, in the USA, there are enough cost and tax savings between buy-and-hold of a static portfolio and buying into a fund that a few brokerages have sprung up around the concept, such as FolioFN, to make it easier for small investors to manage numerous small holdings via fractional shares and no commission wind... |
What is market capitalization? [duplicate] | Market capitalization is one way to represent the value of the company. So if a company has 10 million shares, which are each worth $100, then the company's market capitalization is 1 billion. Large cap companies tend to be larger and more stable. Small cap companies are smaller, which indicates higher volatility. So i... |
Pay off car loan entirely or leave $1 until the end of the loan period? | what you aim to do is a great idea and it will work in your favor for a number of reasons. First, paying down your loan early will save you lots in interest, no brainer. Second, keeping the account open will improve your credit score by 1) increases the number of installment trade lines you have open, 2)adds to your po... |
Early Retirement Options (UK) | Some people put money into Venture Capital Trusts for the yields they offer. The risks are different and they are considered higher risk than ordinary equities; you need to be a sophisticated investor or high net worth individual to consider them. https://www.wealthclub.co.uk/articles/investment-news/why-i-never-sold-v... |
Mortgage sold to yet another servicer. What are my options? | Are my mortgage terms locked in? Who oversees this? Yes your terms like rate, balance, penalties, due dates, are all covered in the mortgage documents. Those will not change. If the mortgage is an adjustable or has a balloon payment those terms will be followed by the new company. That being said, mistakes can be made.... |
When are stock trade fees deducted? | Typically the fees are charged when the order is executed. The only catch I have ever ran into is when an order is partially executed. A good-till-cancel order that gets executed in several blocks over multiple days may get charged a separate commission for each day (but typically not each block). If this is a simple... |
Starting long-term savings account as a college student | Where is the money coming from? If you already have the money (inheritance, gifts or similar) sitting in your account, you can just buy e.g. index funds from Vanguard, Robinhood or other low-cost brokerages. But first you should estimate how much money you need for your studies - it is a bit of a gamble to invest money... |
Shorting stocks: Indicators that a stock will drop? | First utilize a security screener to identify the security profiles you are looking to identify for identifying your target securities for shorting. Most online brokers have stock screeners that you can utilize. At this point you may want to look at your target list of securities to find out those that are eligible ... |
How can a 529 plan help me save for my child's college education? | If you're ready to start a 529 account, it makes a big difference which state you choose (some states have excessive fees). It doesn't have to be your own state, but some states give you tax incentives to stay in-state. What you need to do is check out Clark Howard's 529 Guide and check to see if your state is in the... |
Calculate Estimated Tax on Hobby Business LLC | You are on the right track, for tax purposes its all ordinary income at the end of 2016. If the free lance "employer" will withhold fed,state and local tax, then that takes care of your estimated tax. If they can't or won't, you will need to make those estimates and make payments quarterly for the fed and state tax at ... |
Switch from DINK to SIWK: How do people afford kids? | I see three areas of concern for your budget: This is way high. I am not sure how much of a house you live in, but the total of these two numbers should be around 25% not 41%. I am a person that considers giving an important part of wealth building, and gives to my local church. But as one other person has rightly sa... |
Digital envelope system: a modern take | While Googling answers for a similar personal dilemma I found Mvelopes. I already have a budget but was looking for a digital way for my husband and I to track our purchases so we know when we've "used the envelope". It's a free app. |
Teaching school kids about money - what are the real life examples of math, budgeting, finance? | I am a numbers guy, the math is great. Instead of "jane was twice her son's age when he married, and is now 1.5 times his age....." questions in math class, I think the math problems should mostly have dollar/pound signs in front of them. In general, I like the idea of relating to the kids' situations as much as possi... |
Set different trigger and sell price for Trailing Stop Limit | It will depend largely on your broker what type of stop and trailing stop orders they provide. Saying that, I have not come across any brokers yet that offer limit orders with trailing stop orders. Unlike a standard stop order where you can either make it a market stop order or a limit stop order, usually most brokers... |
How can I improve my credit score if I am not paying bills or rent? | Buy a car. Vehicle loans, like mortgages, are installment loans. Credit cards are revolving lines of credit. In the US, your credit score factors in the different types of credit you have. Note that there are several methods for calculating credit scores, including multiple types of FICO scores. You could buy a car and... |
Do I pay a zero % loan before another to clear both loans faster? | This is more of an interesting question then it looks on first sight. In the USA there are some tax reliefs for mortgage payments, which we don’t have in the UK unless you are renting out the property with the mortgage. So firstly work out the interest rate on each loan taking into account any tax reliefs, etc. Then y... |
New 1099 employee with Cobra insurance | While COBRA premiums are not eligible to be a "business" expense they can be a medical expense for personal deduction purposes. If you're itemizing your deductions you may be able to deduct that way. However, you will only be able to deduct the portion of the premium that exceeds 10% of your AGI. Are you a full time ... |
Long term saving: Shares, Savings Account or Fund | RED FLAG. You should not be invested in 1 share. You should buy a diversified ETF which can have fees of 0.06% per year. This has SIGNIFICANTLY less volatility for the same statistical expectation. Left tail risk is MUCH lower (probability of gigantic losses) since losses will tend to cancel out gains in diversified po... |
If the co-signer on my car loan dies, can the family take the car from me like they're threatening to? | Possession is 9/10 of the law, and any agreement between you and your grandfather is covered under the uniform commercial code covering contracts. As long as your fulfilling your obligation of making payments, the contract stands as originally agreed upon between you and the lender. In short, the car is yours until y... |
What is the maximum number of options I can buy if the price is $0.01? | Options trading at $.01 have the same position limits as other options. Self regulatory organizations set the position limits for options which can be 250,000 contracts on one side of the book, as an example. Weeklies that are expiring soon have lots of liquidity while trading at $0.01, you can see this in Bank of Amer... |
Calculating the total capital of a company? | Total Capital This is a very old fashioned term that really is mostly only used in the finance industry today, like when everyone was obsessed with "bank capital". Total Capital = Preferred Equity + Common Equity + Liabilities True blue preferred shares are almost only used by financial companies, banks specifically. ... |
What is the fair value of a stock given the bid and ask prices? Is there such a relationship? | None of the above. The fair value is a term used to describe an analytical result of projecting the company's future dividends and profits into a present value. Such estimates are published by the likes of Morningstar, S&P and Value Line. It is quite common for a stock to trade well above or below such estimated fair... |
Work as a contractor for my current employer rather than become a full time employee after my graduation for health insurance continued coverage | There are several assumptions you made, that don't match the current laws: Costs: COBRA: |
Where can I find the dividend history for a stock? | Google Finance gives you this information. |
Is 401k as good as it sounds given the way it is taxed? | Don't forget inflation. With a Roth 401k (or IRA), you don't pay any taxes on inflationary or real gains. You pay taxes at the beginning and then no more taxes (unless you invest money after you distributed from it). With a regular, taxable investment account (not a 401k or IRA), you pay taxes on the initial amoun... |
Capital losses on early-purchased stock? | Yes When exercising a stock option you will be buying the stock at the strike price so you will be putting up your money, if you lose that money you can declare it as a loss like any other transaction. So if the stock is worth $1 and you have 10 options with a strike at $0.50 you will spend $500 when you exercise your ... |
Why do banks finance shared construction as mortgages instead of financing it directly and selling the apartments in a building? | Banks should be risk averse by default. They make loans to people and businesses after measuring their ability to repay. After they approve a big project loan like an apartment building, they don't give all the money to the builders upfront. They give money as progress is made and they make sure the funds are not bein... |
How can rebuilding a city/large area be considered an economic boost? | It certainly creates an opportunity for the re-distribution of wealth. Money will be transferred from insurance companies to construction companies. Businesses that go under will be replaced by ones that survived. Some companies will make a profit out of this, but as you have already figured out, no new wealth is cre... |
Companies that use their cash to buy back stock, issue dividends, etc. — how does this this typically affect share price? | So far buying of own by own companies like Apple, is concerned it will surely raise the price of the script. At some level, the share prices are a factor of supply and demand at a given price. Apple being a very demanded script, its supply in the market goes down with the buy back. After a while, this will surely make ... |
Malaysian real estate: How to know if the market is overheated or in a bubble? | I don't buy the "house prices will always increase due to the increased cost of raw materials" argument. In a lot of countries you will find that the cost of (re)building a property is substantially lower than its perceived sale value. If it wasn't, there would be no incentive for developers to take the risk of buying ... |
Business Expense - Car Insurance Deductible For Accident That Occurred During a Business Trip | As a general rule, you must choose between a mileage deduction or an actual expenses deduction. The idea is that the mileage deduction is supposed to cover all costs of using the car. Exceptions include parking fees and tolls, which can be deducted separately under either method. You explicitly cannot deduct insuran... |
How to change a large quantity of U.S. dollars into Euros? | To transfer US$30,000 from the USA to Europe, ask your European banker for the SWIFT transfer instructions. Typically in the USA the sending bank needs a SWIFT code and an account number, the name and address of the recipient, and the amount to transfer. A change of currency can be made as part of the transfer. The... |
How to make money from a downward European market? | The best way to make money on a downward market is to buy at the bottom, sell at the top. Lather, rinse, repeat. |
Car finance (loan) insurance requirements (store car) | Very generally speaking if you have a loan, in which something is used as collateral, the leader will likely require you to insure that collateral. In your case that would be a car. Yes certainly a lender will require you to insure the vehicle that they finance (Toyota or otherwise). Of course, if you purchase a ve... |
Is there a general guideline for what percentage of a portfolio should be in gold? | It depends on what your goals are, your age, how much debt you have, etc. Assuming -- and we all know what happens when you assume -- that your financial life is otherwise in order, the 5% to 10% range you're talking about isn't overinvesting. You won't have a lot of company; most people don't own any. One comment on ... |
Long term investment for money | I'd open the Roth IRA account and fund for 2015 and 2016. For the very long term, I'd learn about index funds, specifically a low cost S&P mutual fund or ETF. |
How to pay with cash when car shopping? | I have in the last few years purchased several used cars from dealers. They have handled it two different ways. They accepted a small check ~$1,000 now, and then gave me three business days to bring the rest as a cashiers check. They also insisted that I submit a application for credit, in case I needed a loan. They a... |
What should I consider when I try to invest my money today for a larger immediate income stream that will secure my retirement? | TL:DR: You should read something like The Little Book of Common Sense Investing, and read some of the popular questions on this site. The main message that you will get from that research is that there is an inescapable connection between risk and reward, or to put it another way, volatility and reward. Things like gov... |
Options vs Stocks which is more profitable | As already noted, options contain inherent leverage (a multiplier on the profit or loss). The amount of "leverage" is dictated primarily by both the options strike relative to the current share price and the time remaining to expiration. Options are a far more difficult investment than stocks because they require that ... |
High expense ratio funds - are they worth it? | Over the past five years, QFVOX has returned 13.67%, compared to the index fund SPY that has returned 50.39%. SEVAX has lost 23.96%. AKREX has returned 81.82%. In two of your three examples, you would have done much better in an index fund with a very low expense ratio as suggested. While one can never, as you see, mak... |
How can put options be used to buy shares at a lower price? | If you are looking for a simple formula or buying order / strategy to guarantee a lower buying price, unfortunately this does not exist. Otherwise, all investors would employ this strategy and the financial markets would no longer have an validity (aka arbitrage). Buying any investment contains a certain level of ris... |
Quantiative Easing fuels stock markets, but why? | There's a premium or discount for various stocks subject to influence by the alternatives available to investors, meaning investments are susceptible to the principle of supply and demand. This is easily seen when industries or business models get hot, and everybody wants a tech company, a social media company, or a so... |
How does sales tax holiday change tax? | I believe you are confusing sales tax with income tax. The tax holidays in the US are only for sales tax. Consumers purchasing certain goods during the tax holiday do not have to pay sales tax like they normally would. Effectively the price is slightly lower during those days with the purpose of giving people an extra ... |
A calculator that takes into account portfolio rebalancing? | R has really good package that lets you calculate the return of rebalanced portfolios. The package is called: PerformanceAnalytics (see: http://www.inside-r.org/packages/cran/PerformanceAnalytics/docs/Return.portfolio). I quickly wrote a small script for you that lets you do exactly what you want. Code: By default the... |
International (ex-US) ETFs with low exposure to financial sector? | Another European financial ETF that you could sell short is the iShares MSCI Europe Financials Sector Index Fund (EUFN). It's traded on American exchanges, so it should be easier to access if you're in the United States. It is a relatively low-volume issue, however, so it may be difficult to locate shares to short, and... |
What are some pre-tax programs similar to FSA that I can take advantage of? | There is a dependent care spending account for child care related expenses. Also Medical and Dental expenses over a certain % of your income maybe deductible on your tax return. |
What drives the stock of bankrupt companies? | What drives the stock of bankrupt companies? The company's potential residual assets. When a company goes bankrupt it is required to sell its assets to pay off its debts. The funds raised from selling assets go to the following entities: The usual order of debt repayment, in terms of the lender, will be the government... |
Merchant dispute with airline over missed flight, and which credit cards offer protection? | EDIT To answer what I think you question is: I do not know of anything other than trip cancellation insurance. And you must be very careful that the policy you purchase for your trip covers the circumstance you described. Essentially, you opted not to take the flight. Not all trip cancellation policies will cover th... |
Should I re-allocate my portfolio now or let it balance out over time? | I would not sell unless the stock is starting to fall in price. If you are a long term investor you can review the weekly chart on a weekly basis to determine if the stock is still up-trending. Regarding HD below is a weekly chart for the last 4 years: Basically if the price is making Higher Highs (HH) and Higher Lows... |
An online casino owes me money and wants to pay with a wire transfer. Is this safe? | Someone online asking for your bank account info never has your best interests at heart. They can send you a check and while it may take a while to really clear, they can't use it to suck money out of your account. Be very cautious. |
Investing small amounts at regular intervals while minimizing fees? | I think your best bet would be commission-free ETFs, which have no minimum and many have a share price under $100. Most online brokerages have these now, e.g. Vanguard, Fidelity, etc. Just have to watch out for any non-trading fees brokerages may charge with a low balance. |
How is money actually made from the buying or selling of options? | Today SPY (The S&P ETF) trades at $128. The option to buy at $140 (this is a Jan '13 call) trades for $5. I buy the call, for $500 as they trade in 100 lots. The S&P skyrockets to 1500 and SPY to $150. The call trades for $11, as it still has a month or two before expiring, so I sell it, and get $1100. The S&P rose 1... |
What exactly can a financial advisor do for me, and is it worth the money? | There are several types of financial advisors. Some are associated with brokerages and insurance companies and the like. Their services are often free. On the other hand, the advice they give you will generally be strongly biased toward their own company's products, and may be biased toward their own profits rather tha... |
What should I be aware of as a young investor? | Disclaimer - I am 51. Not sure how that happened, because I remember being in my late teens like it was yesterday. I've learned that picking individual stocks is tough. Very tough. For every Apple, there are dozens that go sideways for years or go under. You don't mention how much you have to invest, but I suggest (A... |
Is there any reason not to put a 35% down payment on a car? | Makes sense so long as you can afford it while still maintaining at least six months living reserves. The sooner you own outright a decreasing asset the better which should be considered when selecting your loan term. However, with today's low rates and high performing stock market you may want to consider allowing tha... |
Contributing factors to historical increase in trading volume | Prior to 1975, commissions for trading stock on the NYSE were fixed at 1% of the amount of the trade. In 1975, the SEC made fixed commission rates illegal, giving rise to discount brokers offering much reduced commission rates. Simultaneously, Electronic Communications Networks (ECNs) gained market share as alternati... |
Why is retirement planning so commonly recommended? | If you can afford it, there are very few reasons not to save for retirement. The biggest reason I can think of is that, simply, you are saving in general. The tax advantages of 401k and IRA accounts help increase your wealth, but the most important thing is to start saving at an early age in your career (as you are doi... |
Do I even need credit cards? | People have credit cards for various reasons depending upon their personal situation and uses You don't need to have a Credit Card if you don't have a reason to. But most people do. |
What are some time tested passive income streams? | I owned and managed a few residential properties. At one time the net cash flow was on the order of $1000 per month. But it was work. Lots of work. I was managing about 7 units. This does not count the gains in capital appreciation which were significant. Using a management company would have put the cash flow at... |
What happens to an options contract during an all stock acquisition? | According to this article: With an all-stock merger, the number of shares covered by a call option is changed to adjust for the value of the buyout. The options on the bought-out company will change to options on the buyer stock at the same strike price, but for a different number of shares. Normally, one option is for... |
Relative worth of investment versus spending for the economy | I believe you're looking for some sort of formula that will determine how changes in savings, investing, and spending will affect economic growth. If such a formula existed (and worked) then central planning would work since a couple of people could pull some levers to encourage more savings, or more investing, or mor... |
Merits of buying apartment houses and renting them | I am not going to argue the merits of investing in real estate (I am a fan I think it is a great idea when done right). I will assume you have done your due diligence and your numbers are correct, so let's go through your questions point by point. What would be the type of taxes I should expect? NONE. You are a real ... |
What expenses do most people not prepare for that turn into “emergencies” but are not covered by an Emergency Fund? | While it is true that homeowners insurance will cover emergencies, it is very important to check and make sure that your policy is covering everything that it needs to. A great example is what happened to all of those without flood insurance in Tennessee last year. You may opt not to get additional coverage, but then y... |
How can I buy shares of oil? I'm told it's done through ETFs. How's that related to oil prices per barrel? | While we're not supposed to make direct recommendations, and I am in no way advising anything, USO an ETF that buys light sweet crude oil futures with the intention of mirroring the price movements of oil. |
When are equal-weighted index funds / ETFs preferable to market-cap-weighted funds? | In market cap weighted index there is fairly heavy concentration in the largest stocks. The top 10 stocks typically account for about 20% of the S&P 500 index. In Equal Weight this bias towards large caps is removed. The Market Cap method would be good when large stocks drive the markets. However if the markets are ge... |
Using Loan to Invest - Paying Monthly Installments with Monthly Income | I think we are mixing this up. If you invest using loan, and are paying the loan out of your pocket and leaving the loan in investment, then there is no way you are making more money. Had you directly invested the same money in market instead of EMI, you would end up gaining more. Take a Loan of 100000, Year Int say 5.... |
How to calculate ownership for property with a partner | i would recommend that you establish a landlord/tenant relationship instead of joint ownership (ie 100% ownership stake for one of you vs 0% for the other). it is much cleaner and simpler. basically, one of you can propose a monthly rent amount and the other one can chose to be either renter or landlord. alternatively... |
how does one start an investing club (as a company)? | As for the letting the "wise" people only make the decisions, I guess that would be a bit odd in the long run. Especially when you get more experienced or when you don't agree with their decision. What you could do, is make an agreement that always 3/4 (+/-) of the partners must agree with an investment. This promotes ... |
Is it a wise decision to sell my ESPP stock based on this situation? | ESPP tax treatment is complicated. If you received a discount on the purchase of your stock, that discount is taxable as ordinary income when you sell the stock. Any profit about the market value when the stock was purchased is taxed based upon the holding period of the stock. If you have held the stock less than a y... |
Do you avoid tax when taking a home equity loan? | Why would someone invest in other instruments (e.g. stocks) to pay for childrens' college education when the capital gains on those are taxed, unlike a home equity loan? Many tax advantageous vehicles exist for the purpose of saving for college education such as 529 plans, Roth IRAs, Series EE and I bonds. Tax and ... |
Why do people always talk about stocks that pay high dividends? | The upvoted answers fail to note that dividends are the only benefit that investors collectively receive from the companies they invest in. If you purchase a share for $100, and then later sell it for $150, you should note that there is always someone that purchases the same share for $150. So, you get $150 immediately... |
Is it possible to physically own a share certificate in a company? | Yes, this is possible with some companies. When you buy shares of stock through a stock broker, the shares are kept in "street name." That means that the shares are registered to the broker, not to you. That makes it easy to sell the stock later. The stock broker keeps track of who actually owns which shares. The s... |
Is dividend included in EPS | Not quite. The EPS is noted as ttm, which means trailing twelve months --- so the earnings are taken from known values over the previous year. The number you quote as the dividend is actually the Forward Annual Dividend Rate, which is an estimate of the future year's dividends. This means that PFE is paying out more i... |
Will my Indian debit card work in the U.S.? | Whether your card will work, I believe, depends on the institution that issued it. You'll just have to try. What I can tell you, is that the process of using a debit card or credit card in the US is fairly straight forward. If your card has a chip, you'll 'insert' your card, chip end first, into the bottom slot of the ... |
If the U.S. defaults on its debt, what will happen to my bank money? | I have been through default in Ukraine august 1998. That was a real nightmare. The financial system stopped working properly for 1 month, about 30% of businesses went bankrupt because of chain effect, significant inflation and devaluation of currency. So, it is better to be prepared, because this type of processes resu... |
Are stock purchases on NASDAQ trackable to personal information? | The broker will probably submit records to the IRS, so there isn't anonymity at that level... |
The doctor didn't charge the health insurance in time, am I liable? | I had a similar issue take place at a hospital when the repeatedly billed the "wrong me" -- a stale insurance record left behind from when I was a dependent on my parent's insurance a decade earlier. They ended up billing me for anesthesia when I had a major surgery (everything else was billed to the correct insurance.... |
Taking out a loan to pay down a mortgage | You have the 2 properties, and even though the value of property B is less than the amount you owe on it hopefully you have some equity in propery A. So if you do have enough equity in property A, why don't you just go to the one lender and get both property A and B refinanced under the same mortgage. This way hopefull... |
Why do governments borrow money instead of printing it? | Yes - Simply put, printing money is called "monetizing the debt" and would result in some nasty inflation. It's a no-no as it quickly devalues the currency and makes it far more difficult to borrow in the future, an entire generation will remember getting burned by it. If, say, Canada's currency were suddenly worth hal... |
When will the U.K. convert to the Euro as an official currency? | I can't see it happening because most of the population seems to be against it, even if their reasoning on the whole is wrong. Theoretically, people are against the Euro here as a result of national pride. If it's the best thing to do for the good of the country then national pride shouldn't be taken into account. It'd... |
How is not paying off mortgage better in normal circumstances? | There are several reasons: |
What size “nest egg” should my husband and I have, and by what age? | I would focus first on maxing out your RRSPs (or 401k) each year, and once you've done that, try to put another 10% of your income away into unregistered long term growth savings. Let's say you're 30 and you've been doing that since you graduated 7 years ago, and maybe you averaged 8% p.a. return and an average of $50k... |
Cost basis allocation question: GM bonds conversion to stock & warrants | Your final tax basis could not be determined until June 14, 2012, the first day of separate trading of all four securities that you received from the GM bankruptcy reorganization. |
Do market shares exhaust? | If the share is listed on a stock exchange that creates liquidity and orderly sales with specialist market makers, such as the NYSE, there will always be a counterparty to trade with, though they will let the price rise or fall to meet other open interest. On other exchanges, or in closely held or private equity scena... |
How can I determine if leaving a lower paying, tax advantaged, job for a higher paying one makes sense financially? | It looks like a coin toss. What you have isn't bad at all. If you have enough free time with your $50k job to do extra stuff on the side, you can use that time to build a business. You're obviously a go-getter type, so this might suit you. Which job is closer to your calling? All other things being equal, the more f... |
I am Brasilian resident, how to buy shares on NYSE? | I am not sure what a Brazilian equivalent is but you could just do an ADR. Keep in mind that when you are investing in a foreign company there are certain currency risks that you may need to consider. |
2008-2009 Stock Market Crash — what caused the second drop? | First, I would like to use a better chart. In my opinion, a close of day line chart obscures a lot of important information. Here is a daily OHLC log chart: The initial drop from the 1099.23 close on Oct 3 was to 839.8 intraday, to close at 899.22 on Oct 10. After this the market was still very volatile and reached... |
What debts are both partners liable for in a 'community property' state? | I know one piece of information that can help you (in a macabe sort of way) - from what my wife has told me, if your partner dies, you are not responsible for paying for their debts, especially student loans. I expect the same thing for credit cards - if someone were to happen to charge $2,000 on their credit card and ... |
Why could rental costs for apartments/houses rise while buying prices can go up and down? | At 5%, this means you expect rents to double every 14 years. I bought a condo style apartment 28 years ago, (sold a while back, by the way) and recently saw the going rate for rents has moved up from $525 to $750, after all this time. The rent hasn't increased four fold. If rents appear to be too low compared to the c... |
Company asking for card details to refund over email | A bona-fide company never needs your credit card details, certainly not your 3-digit-on-back-of-card #, to issue a refund. On an older charge, they might have to work with their merchant provider. But they should be able to do it within the credit card handling system, and in fact are required to. Asking for details... |
Should we prepay our private student loans, given our particular profile? | See my recent answer to a similar question on prepaying a mortgage versus investing in IRA. The issue here is similar: you want to compare the relative rates of funding your retirement account versus paying down your debt. If you can invest at a better rate than you are paying on your debt, with similar risk, then you ... |
Calculating Pre-Money Valuation for Startup | Putting a dollar amount on the valuation of a start up business is an art form that often has very little at all to do with any real numbers and more to do with your "salesman" abilities when talking with the VC. That said, there are a few starting points: First is past sales, the cost of those sales and a (hopefully) ... |
Retirement planning 401(k), IRA, pension, student loans | You asked specifically about the ROTH IRA option and stated you want to get the most bang for your buck in retirement. While others have pointed out the benefits of a tax deduction due to using a Traditional IRA instead, I haven't seen anyone point out some of the other differences between ROTH and Traditional, such a... |
What is high trading volume in a stock indicative of? Is high liquidity a good thing or a bad thing? | Stocks with a low average daily trading volume ("thinly traded stocks") will also tend to have higher spreads. So you'll tend to pay more when you buy and get less when you sell. |
Ballpark salary equivalent today of “healthcare benefits” in the US? | As others have said, it depends entirely on what benefits are provided, and how much of the cost of those benefits is paid by the employer and how much is paid by the employee, and compare that to what it would cost to obtain the necessary/equivalent coverage without employer assistance. In my case, my employer pays mo... |
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