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Digital envelope system: a modern take | My wife and I use a digital form of the envelope system. We call it a budget; we record how much we want to allocate each month to spend--for each category of expense--in a spread sheet. Why use prepaid cards? Why not open a bunch of bank accounts and use debit cards from each if you want to separate the money? You cou... |
What are the fundamental levels that makes a Stock Ideal? (either to sell or buy) | I look at the following ratios and how these ratios developed over time, for instance how did valuation come down in a recession, what was the trough multiple during the Lehman crisis in 2008, how did a recession or good economy affect profitability of the company. Valuation metrics: Enterprise value / EBIT (EBIT = ope... |
Electric car lease or buy? | I might be missing something, but I always understood that leasing is about managing cash-flow in a business. You have a fixed monthly out-going as opposed to an up-front payment. My accountant (here in Germany) recommended: pay cash, take a loan (often the manufactures offer good rates) or lease - in that order. The l... |
Should I sell a 2nd home, or rent it out? | Heres what you need to know: This can be prevented by what a previous renter did to us. This is a smart, kind of a jerky way to do it but its VERY SMART, as long as your property is worth it, raise the rent higher. You must have a very nice, clean, everything working, house. You must be willing to have anything fixed. ... |
Do high interest rates lead to higher bond yields or lower? | It is important to distinguish between cause and effect as well as the supply (saving) versus demand (borrowing) side of money to understand the relationship between interest rates, bond yields, and inflation. What is mean by "interest rates" is usually based on the officially published rates determined by the central ... |
What's a good free checking account? | Here's a hack for getting the "free" checking that requires direct deposit. Some effort to set up, but once everything is in place, it's all autopilot. (If your transfer into savings is higher than your transfer out of savings, you'll build up a nice little stash over time.) I don't know if there are deposit amounts or... |
Most effective Fundamental Analysis indicators for market entry | Unfortunately, there is very little data supporting fundamental analysis or technical analysis as appropriate tools to "time" the market. I will be so bold to say that technical analysis is meaningless. On the other hand, fundamental analysis has some merits. For example, the realization that CDOs were filled with toxi... |
Leasing a car I intend to buy | I have a colleague who always leases cars first. He's very well off, has piles of money in savings, owns a home, and the cherry on top, he could just write a check for the car.... He sees the lease as an insurance policy on the first couple of years of the car's life. If it gets in an accident or he finds something... |
Who performs the blocking on a Visa card? | The request to block the money is made by the Party who sells the product. Based on this request the Bank blocks the funds. Subsequently the Party who sold the product makes a charge against this block. Just to give an easy example; So in the online train booking there are multiple messages sent between the Bank and SN... |
How to determine how much to charge your business for rent (in your house)? | In the UK it all comes down to what HMRC will allow you to charge without taxing you on the "rent profit" and not hitting capital gain tax when you sell the house, it may not all count as your "main home" if some is rented out. (http://www.accountingweb.co.uk/ is a good place to ask this type of questions in the uk) |
Market Making vs Market Taking (Quotes vs Orders) | Quote driven markets are the predecessors to the modern securities market. Before electronic trading and HFTs specifically, trading was thin and onerous. Today, the average investor can open up a web page, type in a security, and buy at the narrowest spread permitted by regulators with anyone else who wants to take th... |
Bank denying loan after “subject-to” appraisal: What to do? | The first red-flag here is that an appraisal was not performed on an as-is basis - and if it could not be done, you should be told why. Getting an appraisal on an after-improvement basis only makes sense if you are proposing to perform such improvements and want that factored in as a basis of the loan. It seems very bi... |
Is there a good strategy to invest when two stock companies either merge or acquisition? | There's an old adage in the equities business - "buy on rumor, sell on fact". Sometimes the strategy is to buy as soon as the rumor is out about a potential merger and then sell off into the news when it is actually announced, since this is normally when the biggest bounce occurs as part of a merger. The other part of... |
What can I expect to pay when meeting my first financial planner? | A complete analysis of your current situation, goals, and formulating a plan to meet those goals, including discussing your risk tolerance cannot be completed during the initial meeting. The first meeting should be him trying to convince you of his skills and services, he will also be collecting the required data from ... |
Where to Park Proceeds from House Sale for 2-5 Years? | As soon as you specify FDIC you immediately eliminate what most people would call investing. The word you use in the title "Parking" is really appropriate. You want to preserve the value. Therefore bank or credit union deposits into either a high yield account or a Certificate of Deposit are the way to go. Because you ... |
Gauge the strength of the resistance level of a stock just using EMA | Firstly, you mean resistance not support, as a support is below the current price and resistance is above the price. Secondly using a MA as support or resistance would mean that that support or resistance level would move up or down as the price moved up or down and would not be static at $25. Generally stocks will ran... |
How to deal with activist targeting of individual stocks? | The easiest way to deal with risks for individual stocks is to diversify. I do most of my investing in broad market index funds, particularly the S&P 500. I don't generally hold individual stocks long, but I do buy options when I think there are price moves that aren't supported by the fundamentals of a stock. All of ... |
What return are you getting on your money from paying down a mortgage on a rental property? | As Chris pointed out: If your expenses are covered by the income exactly, as you have said to assume, then you are basically starting with a $40K asset (your starting equity), and ending with a $200K asset (a paid for home, at the same value since you have said to ignore any appreciation). So, to determine what you hav... |
What Did Benjamin Graham Mean by Earnings Stability in The Intelligent Investor? | Please note that the following Graham Rating below corresponds to five years: Earnings Stability (100% ⇒ 10 Years): 50.00% Benjamin Graham - once known as The Dean of Wall Street - was a scholar and financial analyst who mentored legendary investors such as Warren Buffett, William J. Ruane, Irving Kahn and Walter J. Sc... |
Is there any sort of tax write off for unfulfilled pay checks? | If you don't receive a W2, there are 2 scenarios you should consider: If you have reason to believe that scenario 1 is accurate, then you could file your taxes based on the last valid paycheck you received. If you have reason to believe that scenario 2 is accurate, then you need to do some extra math, but fortunately i... |
What are my options for this high interest student loan? | There is no magic formula to this, quite simply: earn, cut expenses, and pay. It sounds like you can use a little bit of help in the earning area. While it sounds like you are career focused (which is great) what else can you do to earn? Can you start a low cost of entry side business? Examples would include tutor... |
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 ... |
Does a bid and ask price exist for indices like the S&P500? | You can trade an index by using a Contract For Difference, or CFD. Various brokers offer this method and the spreads are quite low. They tend to widen outside of market hours, and not all brokers offer the same spreads. I would look for a broker that offers the lowest spread on the index you are interested in. You shou... |
How risky is it to keep my emergency fund in stocks? | I know this is heresy but if you have funds for significantly more than 6 months of expenses (let's say 12 months), how risky would it be to put it all into stock index funds? Quite risky as if you do need to dip into it, how fast could you get the cash? Also, do you realize the tax implications when you do sell th... |
Is it necessary to pay tax if someone lends me money to put into my mortgage? | A revocable trust? Else the title would be his...vs recieving a gift that large. Make it a business investment like a holding company. And use the trust as agreement to shares. |
Is house swapping possible? | You would have to find someone in the other state who wanted to swap. This is conceivable but difficult if you want the houses to be the same value. How do you find the one person who lives in the right place now and wants to move to the right area? The normal way this situation is handled is to simply put your hou... |
Does it make sense to trade my GOOGL shares for GOOG and pocket the difference? | Too much fiddling with your portfolio if the difference is 3-4% or less (as it's become in recent months). Hands off is the better advice. As for buying shares, go for whichever is the cheapest (i.e. Goog rather than Googl) because the voting right with the latter is merely symbolic. And who attends shareholders' me... |
Who can truly afford luxury cars? | I'll read between the lines: you're (justifiably) feeling smart about how you manage your money: debt-free, smart about your spending, saving for retirement, etc. But you're looking at all those fancy cars and feeling a little left out. And Americans especially have a love for automobiles -- it's not just transportatio... |
What does the term “match the market” mean? | If your returns match the market, that means their rate of return is the same as the market in question. If your returns beat the market, that means their rate of return is higher. There's no one 'market', mind you. I invest in mutual funds that track the S&P500 (which is, very roughly, the U.S. stock market), that tra... |
How big of a mortgage can I realistically afford? | My primary concerns. There seems to still be a fair bit of distressed property (forclosures etc) on the market at current, which might well keep prices down for the next year or so that it takes to finish flushing that stuff out of the market. The gist I get from most experts/pundits is that There will be good deals a... |
Does financing a portfolio on margin affect the variance of a portfolio? | Variance of a single asset is defined as follows: σ2 = Σi(Xi - μ)2 where Xi's represent all the possible final market values of your asset and μ represents the mean of all such market values. The portfolio's variance is defined as σp2 = Σiwi2σi2 where, σp is the portfolio's variance, and wi stands for the weight of th... |
How to double-entry bookkeep money incoming from sold items | If you were a business, all your assets would have a dollar value, so when you sold them you'd decrease the amount of assets by that amount and increase in cash, and if there was a profit on the sale it would go in as income, if there was loss it would count as a cost (or a loss)... so if there was a profit it would in... |
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... |
How to understand the caculation of interest for credit cards? | Suppose you have been paying interest on previous charges in the past. Your monthly statement is issued on April 12, and (since you just received your income tax refund), you pay it off in full on April 30. You don't charge anything to the card at all after April 12. Thus, on April 30, your credit card balance shows... |
Is it possible to be subject to cash withdrawal even if you don't use ATM? | Probably not. I say probably because your credit card's terms of service may treat certain purchases (I'm thinking buying traveler's checks off-hand) as cash advances. See also this question. |
Why is gold not a good investment? | Gold since the ancient time ( at least when it was founded) has kept its value. for example the french franc currency was considered valuable in the years 1400~ but in 1641 lost its value. However who owned Gold back then still got value. The advantage of having gold is you can convert it to cash easily in the world. ... |
Dividend yield for multiple years? | Dividend yield is a tough thing to track because it's a moving target. Dividends are paid periodically the yield is calculated based on the stock price when the dividend is declared (usually, though some services may update this more frequently). I like to calculate my own dividend by annualizing the dividend paymen... |
Are variable rate loans ever a good idea? | I have an example that may be interesting for your question. My grandfather had a tennis club around 35 years ago, and some other businesses. Some investments went bad and he was heading for bankruptcy due to the tennis club's expensive payments. So he asked to renegotiate a variable rate rather than a fixed rate, even... |
How far into the future is a stock future? How do stock futures work? | Futures are an agreement to buy or sell something in the future. The futures "price" is the price at which you agree to make the trade. This price does not indicate what will happen in the future so much as it indicates the cost of buying the item today and holding it until the future date. Hence, for very liquid pr... |
Why can it be a bad idea to buy stocks after hours? | During market hours, there are a lot of dealers offering to buy and sell all exchange traded stocks. Dealers don't actually care about the company's fundamentals and they set their prices purely based on order flow. If more people start to buy than sell, the dealer notices his inventory going down and starts upping the... |
What can I take from learning that a company's directors are buying or selling shares? | A pattern of high level people buying or selling is a sign, positive or negative. An individual, not so much. He can be selling to diversify, trying to keep his investments from being all in the company. He can be selling to pay his large bills. Same reasons any of us might be selling an investment to have cash to use. |
What happens if one brings more than 10,000 USD with them into the US? | Bad plan. This seems like a recipe for having your money taken away from you by CBP. Let me explain the biases which make it so. US banking is reliable enough for the common citizen, that everyone simply uses banks. To elaborate, Americans who are unbanked either can't produce simple identity paperwork; or they got ... |
What is a Master Limited Partnership (MLP) & how is it different from plain stock? | MLP stands for master limited partnership. Investors who buy into one are limited partners, rather than shareholders, and have their taxable income reported on K-1s, rather than 1099s. MLPs are engaged in businesses (e.g. real estate, natural resources) that generate a lot of cash that doesn't need to be "reinvested," ... |
Does a market maker sell (buy) at a bid or ask price? | The everyday investor buys at the ask and sells at the bid but the market maker does the opposite This is misleading; it has nothing to do with being either an investor or a market maker. It is dependent on the type of order that is submitted. When a market trades at the ask, this means that a buy market order has inte... |
Data source for historical intra-day bid/ask price data for stocks? | FreeStockCharts.com keeps some intra-day trading history. You have to create an account to look up individual stocks. Once you create a free account you can get intra-day trading history for the last month (Hourly for past month, 15 minutes for past week, 1 minute for past day). Going back past one month and it only... |
Are there any statistics that support the need for Title Insurance? | I'm really surprised at the answers here. Claims/year per region isn't a statistic that is meaningful here... you need to think about the risk factors and the purpose of the insurance. First, what does title insurance do? It protects you against defects in the deed -- defects that may crop up and mean that your mortgag... |
Capital improvement and depreciation in restaurant LLC | First, you should probably have a proper consultation with a licensed tax adviser (EA/CPA licensed in your State). In fact you should have had it before you started, but that ship has sailed. You're talking about start-up expenses. You can generally deduct up to $5000 in the year your business starts, and the expenses ... |
What are the costs to establish an LLC and to maintain it? | The cost will be around $300-$500 if you do it correctly it in Florida and can be over a $1,000 if you do it in New York (New York is more expensive due to a publication requirement that New York has for LLC’s). The price ranges I’ve given include filing, state fees, getting a tax ID number (EIN), operating agreement,... |
Someone asks you to co-sign a loan. How to reject & say “no” nicely or politely? | No, I don't mix business and personal affairs. |
Downside to temporarily lowering interest rates? | it is possible that if you do not accept the offer, they will try offering you an even lower rate. if they offered you close to 0%, you could start carrying a balance and find a better use for the cash you would have spent paying it off. there are plenty of investments with a guaranteed return of over 0%. personally, ... |
What should a 21 year old do with £60,000 ($91,356 USD) inheritance? | What a lovely position to find yourself in! There's a lot of doors open to you now that may not have opened naturally for another decade. If I were in your shoes (benefiting from the hindsight of being 35 now) at 21 I'd look to do the following two things before doing anything else: 1- Put 6 months worth of living expe... |
Why does my car loan interest go up despite making payments on-time? | The interest probably accrues daily, regardless of whether your payments are on time. |
Why so much noise about USA's credit rating being lowered? | Because the USA is the world's biggest economy - everybody in the world works with the USA (even if the american companies are not direct suppliers, they are surely somewhere in the supply chain). If USA credit rating is lower, that means american companies will find it harder to get loans to finance their business (i.... |
Can I do periodic rollovers from my low-perfoming 401k to an IRA? | You need to check with your employer. It is called an in-service rollover and it is up to your employer on whether or not it is allowed. There are a lot of articles on it but I would still talk to a professional before making the decision. And there are some new laws in place that put at least some responsibility on yo... |
Do money markets fluctuate during market crashes? | Wikipedia has a solid article on Money Market Funds which includes a section on "Breaking the Buck" when the money market fund fails to return its full dollar. Money market funds smoothing out the daily (generally small) fluctuations of investing in short-term treasuries directly but have similar risk over longer peri... |
What's the best application, software or tool that can be used to track time? | There are tonnes, and tonnes of things out there, but you have to be careful what you search for. Be specific about what you want. If you search for "time sheet" for example, you'll just get a bucket of stuff having to do with stylesheets, because there's more of that around. The most common type of small tool for tr... |
Google free real-time stock quotes | Previously, Google had a delayed update for their stock prices (15 minutes I believe). That change enabled users of Google Finance to see updates to stock prices in real-time. |
Why do only motor insurers employ “No Claims Discounts”? | Discounting premiums based on some past history is not unique to auto policies. Other insurers will discount premiums based on past claims history they just don't shout about it as a marketing means to attract customers. Life insurance is underwritten based on your health history; if you want to consider your "prefer... |
Do altcoin trades count as like-kind exchanges? (Deferred capital gains tax) | Just a thought because this is a really good question: Would the buying and selling of blockchain based digital currency, using other blockchain based digital currencies, be subject to like kind treatment and exempt from capital gains until exchanged for a non-blockchain based good or service (or national currenc... |
(Almost) no credit unions in New York City, why? | There are 2 credit unions in the Metro NY area that are open to everyone: You might also want to check out aSmarterChoice.org to see if there are other credit union options based on where you live, work, worship & more. |
Why do Americans have to file taxes, even if their only source of income is from a regular job? | There are a few reasons: 1) Deductions and credits. We have a lot of them. While I suppose we could pass this information on to our employers for them to file, why would we want to? That just unnecessarily adds a middle-man as well as sharing potentially private information more than it needs to be shared. This is the ... |
Advice for opening an IRA as a newbie | First, a Roth is funded with post tax money. The Roth IRA deposit will not offset any tax obligation you might have. The IRA is not an investment, it's an account with a specific set of tax rules that apply to it. If you don't have a brokerage account, I'd suggest you consider a broker that has an office nearby. Schwa... |
US Bank placing a hold on funds from my paycheck deposit: Why does that make sense? | First, congratulations on the paycheck! :-) On the holds: Is it possible that by allowing your account balance to go negative (into overdraft) that you triggered such treatment of your account? Perhaps the bank is being more cautious with your account since that happened. Just how long did you have their $150 on hol... |
What is the best resource for determining a specific age-based asset allocation? | Look into the asset allocations of lifecycle funds offered by a company like Vanguard. This page allows you to select your current age and find a fund based on that. You could pick a fund, like the Target Retirement 2055 Fund (ages 21-25), and examine its allocation in the Portfolio & Management tab. For this fund, the... |
Why buy insurance? | One reason is that insurance gives you tranquility. Without insurance, you live with the uncertainty of not knowing if/when disaster is going to strike. Insurance allows you to trade this uncertainty for regular monthly/yearly payments. |
Using Loan to Invest - Paying Monthly Installments with Monthly Income | I hope I'm misunderstanding your plan... you want to invest in a way that will make SO MUCH that you pay back all of the loan payments with investment gains? Like the answer I gave on the preceding question, and like @littleadv's comment/mhoran's answers... don't do this. No good will come of it. This strategy require... |
Does high frequency trading (HFT) punish long-term investment? | I disagree strongly with the other two answers posted thus far. HFT are not just liquidity providers (in fact that claim is completely bogus, considering liquidity evaporates whenever the market is falling). HFT are not just scalping for pennies, they are also trading based on trends and news releases. So you end up ha... |
Is it bad etiquette to use a credit or debit card to pay for single figure amounts at the POS | A lot of stores, especially smaller ones, won't accept card payments under $10.00. They pay a fee for taking cards and for small transactions it is not worth it. |
Should I give to charity by check or credit card? | This kind of questions keeps repeating itself on this site and the answer is generally it doesn't matter. As you said yourself, there are costs either way, and these costs are comparable. Generally, merchant fees differ tremendously between the different kinds of merchants, and while gas stations and video rentals may ... |
How do you translate a per year salary into a part-time per hour job? | It's difficult to quantify the intangible benefits, so I would recommend that you begin by quantifying the financials and then determine whether the difference between the pay of the two jobs justifies the value of the intangible benefits to you. Some Explainations You are making $55,000 per year, but your employer is ... |
What kind of company is USAA? | The United Services Automobile Association has a funny legal structure: it's not a corporation and has no shareholders. Policyholders and account holders are paid any profits. In that respect, it functions very much like a credit union; technically, it's structured as a Texas-based and Texas Department of Insurance reg... |
Unmarried couple buying home, what are the options in our case? | You are thinking about this very well. With option one, you need to think about the 5 D's in the contract. What happens when one partner becomes disinterested, divorced (break up), does drugs (something illegal), dies or does not agree with decisions. One complication if you buy jointly, and decide to break up/move, ... |
what is a mortgage gift exchange? | I'm guessing since I don't know the term, but it sounds like you're asking about the technique whereby a loan is used to gather multiple years' gift allowance into a single up-front transfer. For the subsequent N years, the giver pays the installments on the loan for the recipient, at a yearly amount small enough to av... |
Is this mortgage advice good, or is it hooey? | Jack "The Mortgage Professor" Guttentag provides a thorough analysis of a similar-sounding system: In addition, I had the feeling that customers of Mortgage Relief should have gotten a spreadsheet for their $45, and wondered why they hadn’t? So I set out to develop a spreadsheet of my own that could quantify the benefi... |
Where do traders take their prices data from? How can it be different from their brokers'? | This is a complicated subject, because professional traders don't rely on brokers for stock quotes. They have access to market data using Level II terminals, which show them all of the prices (buy and sell) for a given stock. Every publicly traded stock (at least in the U.S.) relies on firms called "market makers". ... |
Is it prudent to sell a stock on a 40% rise in 2 months | Sell half. If it's as volatile as you say, sell it all and buy on another dip. No one can really offer targeted advice based on the amount of information you have provided. |
Recourse with Credit Card company after victimized by fraud? | Concealing parts of a document in order to obtain a signature is illegal. The company committed signature forgery because they effectively modified the document after you signed it (i.e. unfolded the parts that were previously folded). I suggest that you go to your local police department to file a report, citing "sign... |
Do market shares exhaust? | RonJohn is right, all shares are owned by someone. Depending on the company, they can be closely held so that nobody wants to sell at a given time. This can cause the price people are offering to rise until someone sells. That trade will cause an adjustment in the ticker price of that stock. Supply and demand at wo... |
Invest in low cost small cap index funds when saving towards retirement? | I think you're on the right track with that strategy. If you want to learn more about this strategy, I'd recommend "The Intelligent Asset Allocator" by William Bernstein. As for the Über–Tuber portfolio you linked to, my only concern would be that it is diversified in everything except for the short-term bond component... |
Recent college grad. Down payment on a house or car? | I'd suggest buying a used car for cash, car loans are a bad idea. I bought my last car a few years ago for $8k off of craigslist, and it is still running great. Make sure you get a car checked out by a mechanic before buying (usually they'll drop it off at a mechanic you want to have take a look, or perhaps just go wit... |
Why did the Swiss National Bank fix the EUR/CHF exchange rate at CHF 1.20? | Due to the issues in the Eurozone, many foreign investors were buying Swiss Francs as a hedge against a Euro devaluation. They were in effect treating the Franc like gold, silver or some other commodity with perceived intrinsic value. This causes huge problems from the Swiss, as the value of the Franc increased and the... |
Can signing up at optoutprescreen.com improve my credit score? | Sounds like a case of false causality. If somebody is taking the time to sign up at opt out sites, then that same person is probably making other smart decisions with their credit, causing scores to rise. Optoutprescreen.com does not help your score, the other actions taken might. People seeing different results can ... |
Is refinancing my auto loan just to avoid dealing with the lender that issued it a crazy idea? | I’d say No, it’s not crazy. I did that even for a mortgage, because the bank tended to lose my checks or let them sit for some days, and then claim I paid late. They were known on the internet for their poor processing department, so I decided to avoid that monthly hassle with calling and arguing, and refinanced. Compa... |
Is there any way to pay online in a country with no international banking system | If the vendor accepts cryptocurrencies, this may be your only option. It's not clear if exporting cryptocurrency violates Ethiopian law, but at least cryptocurrencies have not yet been banned. If you can find someone who can trade you cryptocurrency, you can send it anywhere. Because cryptocurrencies are still extremel... |
If I make over 120k a year, what are my options for retirement plans? | The other alternative: just invest it in tax-efficient investments. You will have limited tax-deferral options outside of your 401k, but don't let that limit you. You can invest in a variety of ETFs, stocks and mutual funds for growth, and tax-free investments like municipal bonds as you get older and need to draw inco... |
Splitting Hackathon Prize Money to minimize tax debt | A simple option is to ask your teammates to send you their portion of the tax bill. This option makes everyone's taxes easier, especially since it is very likely that they have already sent in their tax returns. |
What's an economic explanation for why greeting cards are so expensive? | Competition, or actually lack of competition, mostly due to a demand curve that has minimal change due to price. You would buy the equivalent, cheaper option if it was available, but the store has little interest in offering multiple, competing options that would drive their same store revenue down. And the competing s... |
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... |
How common are stock/scrip dividends (as opposed to cash dividends) in US equity markets? | Check out the NASDAQ and NYSE websites(the exchange in which the stock is listed) for detailed information. Most of the websites which collate dividend payments generally have cash payments history only e.g. Dividata. And because a company has given stock dividends in the past doesn't guarantee such in the future, I be... |
Sales Tax Licence/Permit - When is it required and how can I make a use of it as a non-US resident selling in USA? | Disclaimer: I am not a tax specialist You probably need a sales tax permit if you're going to sell goods, since just about every state taxes goods, though some states have exemptions for various types of goods. For services, it gets tricker. There is a database here that lists what services are taxed in what states; i... |
Can I negotiate a credit card settlement by stopping payments? | At no point is it ever a good idea to "stop making payments to show them [you] mean business". When you signed up for the credit card account, you agreed to pay what you charged, and any applicable interested accrued on the accounts. You are legally responsible for that debt, and you can be sued, if they are so incline... |
What is a mutual fund “high water mark” and how does it affect performance fees? | With the caveat that you should always read the fine print... Generally, the high water mark is the absolute highest mark at end of any quarter (sometimes month) over all the quarters (months) in the past. Intra-quarter marks don't matter. So, in your example the mark at the end of the second quarter would only be t... |
H&R Block says form 1120 not finalized? IRS won't take it yet? | The forms get updated every year, and the software providers need to get approved by the IRS every year. "Form is not yet finalized" means that this year form hasn't been approved yet. IRS starts accepting returns on January 31st anyway, nothing to be worried about. Why are you nearing a deadline? The deadline for 1120... |
Do retailers ever stock goods just to make other goods sell better? | There's a concept in retail called a "loss leader", and essentially it means that a store will sell an item intentionally at a loss as a way of bringing in business in the hope that while consumers are in the store taking advantage of the discounted item, they'll make other purchases to make up for the loss and generat... |
Does anyone offer no interest loans? | This is very much possible and happens quite a lot. In the US, for example, promotional offers by credit card companies where you pay no interest on the balance for a certain period are a very common thing. The lender gains a new customer on such a loan, and usually earns money from the spending via the merchant fees (... |
Physical Checks - Mailing | Lets say you owed me $123.00 an wanted to mail me a check. I would then take the check from my mailbox an either take it to my bank, or scan it and deposit it via their electronic interface. Prior to you mailing it you would have no idea which bank I would use, or what my account number is. In fact I could have multipl... |
What actions should I be taking to establish good credit scores for my children? | You really can't. Credit rating is determined by financial history, and until your kids are old enough to legally sign a contract they have essentially no financial history. Interesting out-of-the-box thought, but not workable. |
Why would a company like Apple be buying back its own shares? | A Breakdown of Stock Buy Backs has this bottom line on it: Are share buybacks good or bad? As is so often the case in finance, the question may not have a definitive answer. If a stock is undervalued and a buyback truly represents the best possible investment for a company, the buyback - and its effects - can be viewed... |
Who owned my shares before me? | Shares do not themselves carry any identity. Official shareholders are kept at the registrar. In the UK, this may be kept up to date and publicly accessible. In the US, it is not, but this doesn't matter because most shares are held "in street name". For a fully detailed history, one would need access to all exchange... |
What ways are there for us to earn a little extra side money? | Have you considered doing some small freelance programming jobs? One site I like for this type of thing is eLance.com, but I am sure there are others. Heck, you are soon going to be up all night anyway, why not earn some cash during those hours the rest of us foolishly waste on sleep? |
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