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fastest way to move USD to EUR | You're asking three different things: What is the fastest way, what is the cheapest way and what is the easiest way. You will not find one method that is all three at once. The fastest way is a wire transfer. The cheapest way that I've encountered is a foreign exchange service like XE. The easiest way is probably Pa... |
What are the alternatives to compound interest for a Muslim? | I cannot tell you what is or is not allowed under Islamic law. What I can tell you is that when most investors talk about the "power of compound interest," they are not actually necessarily talking about interest! The idea of the magic of compound interest is that when you receive an interest payment on your investment... |
How can I generate $250/month every month from $4000 that I have? | How can I use $4000 to make $250 per month for the rest of my life? This means the investment should generate close to 6.25% return per month or around 75% per year. There is no investment that gives this kind of return. The long term return of stock market is around 15-22% depending on the year range and country. |
New to options trading and need help understanding an options spread risk graph. What am I missing? | Suppose the stock is $41 at expiry. The graph says I will lose money. I think I paid $37.20 for (net debit) at this price. I would make money, not lose. What am I missing? The `net debit' doesn't have anything to do with your P/L graph. Your graph is also showing your profit and loss for NOW and only one expiration. Yo... |
Do I need another health insurance policy? | While I can't say how it is in the Philippines, my wife the insurance broker leads me to believe that individual insurance is more expensive than group coverages in the US almost always. So much so that people will go to great extents to form any sort of business just to insure themselves. If however it is cheaper, ca... |
Do “Instant Approved” credit card inquires appear on credit report? | Yes, they do. Generally though you'll only see it on one or two reports. With regards to the impact on your credit score. Hard inquiries only stay on your credit for 2 years, after that they fall off. For most credit scores (specifically FICO) they only have an impact for 1 year after their date. If you have a few i... |
How to interpret a big ask size? | Yes, but it must be remembered that these conditions only last for instants, and that's why only HFTs can take advantage of this. During 2/28/14's selloff from the invasion of Ukraine, many times, there were moments where there was overwhelming liquidity on the bid relative to the ask, but the price continued to drop. |
Snowball debt or pay off a large amount? | My advice: IMO, all things being somewhat equal, you should always try to retire debts as quickly as possible in most cases, so start with the small cases. The method of calculating credit card interest is written on the statement. Usually it is "average daily balance method". Don't sweat the details. Just pay the thin... |
Why do banks insist on allowing transactions without sufficient funds? | This really should be a comment, but I can't yet. The question desperately needs a location tag. In at least some countries(New Zealand), the default action on all insufficient funds transactions is to refuse the transaction. Credit cards are the only common exception. Every bank operating in NZ that I know of acts thi... |
How do share dilution scams make money? | For this to work, those who control the dilution must also control their salaries because the only way for them to be paid off when it's the corporation itself selling is to gain access to the proceeds. When a corporation sells newly issued equity, the corporation itself owns the money. To at least have the appearance... |
Has anyone heard of Peerstreet? | (Disclosure - PeerStreet was at FinCon, a financial blogger conference I attended last month. I had the chance to briefly meet a couple people from this company. Also, I recognize a number of the names of their financial backers. This doesn't guarantee anything, of course, except the people behind the scenes are no sla... |
Effect of Job Change on In-Progress Mortgage Application | I just closed on a refi last week Thursday. The app went to the lender mid to late May. The lender called my employer for an employment verification on the Monday before closing. I would wait till after the loan funds to change jobs. FWIW, we signed on Thursday afternoon, escrow had to FedEx the originals to the lender... |
Good yield vs. safer route (Checking vs. Savings) | In the US bank or credit union checking, savings, CD's are insured through FDIC or NCUA. The coverage is for $250,000. This limit can be increased by having multiple accounts. You, your spouse, and a Joint account with your spouse, are considered 3 different accounts, so you could have $750K coverage. IRA funds are co... |
Will I be liable for taxes if I work for my co. in India for 3 months while I am with my husband in UK | The key factors here are You will need to pay tax in the UK only if you live more than 183 days - that too in a tax year. Indian tax system will also classify you as a NR (Non-resident) if you live outside for more than 182 days in a tax year. In your case, your income will be in India and will stay in India. So ther... |
Why would a tender offer be less than the market price? | As an addition to Chris Rea's excellent answer, these tender offers are sometimes made specifically to cast doubt on the current market price. For instance, a large public company that contracts with a smaller supplier or service company, also public, might make a tender offer below market price. The market will look a... |
What is a good investment vehicle for introducing kids to investing? | I'd also look into index funds (eg Vanguard) as they have low management fees. you can buy these as ETFs as well - so you can buy in at a very low starting amount. An index fund can also be a talking point for your kids about what an industry index is and how it relates to the companies that fall into it. Also about ho... |
Does the sale of personal items need to be declared as income on my income taxes? | I doubt it. In the States you would only owe tax if you sold such an item at a profit. "garage sales" aren't taxable as they are nearly always common household items and sale is more about clearing out one's attic/garage than about profit. Keep in mind, if I pay for a book, and immediately sell it for the same price, ... |
How do I claim HST compensation on my personal Ontario income taxes? | Your income and expenses for the business should be independent of HST. That is, if you charged somebody 100 + 13 HST, you have revenue of 100. You're going to send the 13 to the government later, it's not part of your revenue. If you go out and buy something for 10 + 1.30 HST, you record 10 as an expense. You're going... |
Can my U.S. company do work for a foreign company and get wire transfers to my personal account? | It seems that you're complicating things quite a bit. Why would you not create a business entity, open one or more bank accounts for it, and then have the money wired into those accounts? If you plan on being a company then set up the appropriate structure for it. In the U.S., you can form an S-corporation or an LLC ... |
When following a buy and hold investment strategy, on what conditions should one sell? | You talk about an individual not being advised to sell (or purchase) in response to trends in the market in such a buy and hold strategy. But think of this for a moment: You buy stock ABC for $10 when both the market as a whole and stock ABC are near the bottom of a bear market as say part of a value buying strategy. Y... |
Does it make sense to take out student loans to start an IRA? | IRA contributions are limited; you cannot "dump the excess into a retirement account like an IRA" if the excess is more than $5500. Furthermore, as @firefly points out, you need to have earned income (technical term is compensation and it includes self-employment income, not just wages) to contribute to an IRA, and the... |
Do I pay a zero % loan before another to clear both loans faster? | Keep in mind that by fully paying off one of your loans, you will reduce your minimum repayments. This will make you feel richer than you actually are. This will make you buy stuff that it seems like you can afford, probably putting some of it on credit. As you can't actually afford this, this will leave you, in a year... |
Is it a good practice to keep salary account and savings account separate? | My wife and I do this. We have one account for income and one for expenditures (and around 7 others for dedicated savings.) Doing this we are forcing ourselves to keep track of all expenditures as we have to manually transfer funds from one to the other, we try to do this periodically (every Wednesday) and then keep th... |
I got my bank account closed abruptly how do I get money out? | This is very possibly a scam. The way the scam works is that the scammers send you a letter and demand you call the telephone number. But the telephone number belongs to the scammers, not the bank. When you call the number, they will 'authenticate' you by asking you a bunch of questions. They will then have enough info... |
18 year old making $60k a year; how should I invest? Traditional or Roth IRA? | 1) Usually, the choice between Traditional vs. Roth is whether you believe that your tax rate will be higher or lower in the future than it is now. Your income is probably in the 25% bracket now. It's hard to say whether that should be considered "high" or "low". Some people advocate Roth only for 15% bracket; but your... |
What kind of life insurance is cheaper? I'm not sure about term vs. whole vs. universal, etc | TL;DR: Only term is pure insurance and is the cheapest. The rest are mixtures of insurance and savings/investment. Typically the mixtures are not as efficient as doing it yourself, except that there can be tax advantages as well as the ability to borrow from your policy in some cases. |
Can I rely on my home equity to finance large home repairs? | Yes, a HELOC is great for that. I just had my roof done last month (~$15K, "ugh") and pretty much every major contractor in my area had a 0% same-as-cash for at least 12 months. So that helps - any balance that I don't bank by 11/15/2015 will be on the HELOC. |
Is it safe to accept money in the mail? | On your end of the deal, the biggest risk is probably counterfeiting. That said, I'd think that most of the downside would be for the buyer since they would have no way to prove that they paid you. Perhaps a better alternative is to send the items COD (Collect On Delivery aka Cash on Delivery). The USPS and some other... |
What are the best software tools for personal finance? | I'm a big fan of buxfer.com |
Should I buy ~$2200 of a hot stock or invest elsewhere? | Forget investing, you need to focus on managing your debt. I would keep the 6k in a checking or savings account because you need that money in case of an emergency. If you save up more than 10k, use the excess to pay down the principal on your debt. Worry about investing when you have a positive net worth. |
Are the “debt reduction” company useful? | From what I understand, they basically hold on to your money while you stop paying your debt. They keep it in an account and negotiate on your behalf. The longer you go without paying, the less the debt collector is willing to take and at some point, they will settle. So they take the money you've been putting into t... |
How much does it cost to build a subdivision of houses on a large plot of land? | Let's think like a real estate developer. First you need to check with the zoning commission the restrictions for the area. Let's say that the plot is actually suitable for 10 homes. You buy the land. You also need to finance the build itself. If you don't have enough cash you need to acquire financing from banks and p... |
What are the best software tools for personal finance? | Emergency Account Vault (Windows) I use it to store info about all of my accounts/assets in an encrypted document. It's more for keeping track of everything that is in your name than managing money. Good for situations when you need to quickly look up info about a specific account you own. |
Covered Call Writing - What affects the price of the options? | Here are some things to consider if you want to employ a covered call strategy for consistent returns. The discussion also applies to written puts, as they're functionally equivalent. Write covered calls only on fairly valued stock. If the stock is distinctly undervalued, just buy it. By writing the call, you cap the g... |
What are the downsides that prevent more people from working in high-income countries, and then retiring in low-income (and cost of living) ones? | I know folks who considered retiring to another country. Their conclusion was that while base cost of living was lower, the cost of the things that they enjoy doing -- not to mention the cost of spending time with friends they didn't want to give up -- would be sufficiently higher to erase most of the advantages. Those... |
What gives non-dividend stocks value to purchasers? [duplicate] | A Company start with say $100. Lets say the max it can borrow from bank is $100 @ $10 a year as Interest. After a years say, On the $200 the company made a profit of $110. So it now has total $310 Option 1: Company pays back the Bank $100 + $10. It further gave away the $100 back to shareholders as dividends. The Balan... |
incorrect printed information on check stock | Probably a bad assumption, but I'm assuming your in the United States. Keep in mind, that the check number is printed in 2 places on the front of each check. First, in the upper right corner, and also along the bottom edge on of the check. Since the check number is scanned by the bank from the bottom edge of the check,... |
How do you invest in real estate without using money? | There is (almost) always money involved somewhere, but it doesn't have to come from you. It can be investors, credit cards, or even seller-financing (I've done all 3). Examples: If you can find partners with the money to make the deals happen, then your job is to put the deal together. Find the properties, negotiate ... |
Cashing in stocks for house downpayment | I'm not sure where people keep getting this idea, but I see it come up a lot. Anyway, you pay capital gains taxes when you sell an investment that has appreciated. It makes no difference when/if you reinvest the money or what you invest it in. If you are afraid of the tax burden you can minimize it by: 1) Selling a sto... |
Should Emergency Funds be Used for Infrequent, but Likely, Expenses? | I think it's wise to account for those inevitable but unpredictable expenses like car/house repairs and abnormal medical bills when deciding on your emergency fund amount. So if you average $100/month for car repairs, and you have a 6-month emergency fund, then part of that fund is $600 for car repairs. If your total ... |
How to get a down payment for your next home? Use current home as the down payment on the new one? | I know you've clarified that you're in the US, but in case anyone else comes across this question: in the UK this is completely normal (including if you still have outstanding mortgage on your current home). We end up with long "chains" of buyers and sellers all completing / moving on the same day so that the proceeds ... |
How does one's personal credit history affect one's own company's credit rating? | For a newly registered business, you'll be using your "personal" credit score to get the credit. You will need to sign for the credit card personally so that if your business goes under, they still get paid. Your idea of opening a business card to increase your credit score is not a sound one. Business plastic might n... |
How does cash ISA & share ISA mix together | There are two different types of ISA; the "Cash ISA" for cash savings, and the "Stocks and Shares ISA" for stock market investing. You can transfer funds between these two different types of ISA. If your current cash ISA provider does not provide stocks and shares ISAs, then there may be a fee involved when transferr... |
why do I need an emergency fund if I already have investments? | Given that the 6 answers all advocate similar information, let me offer you the alternate scenario - You earn $60K and have an employer offering a 50% match on all deposits. All deposits. (Note, I recently read a Q&A here describing such an offer. If I see it again, I'll link). Let the thought of the above settle in. ... |
How risky are penny stocks? | Penny stocks are only appealing to the brokers who sell the penny stocks and the companies selling "penny stock signals!". Generally penny stocks provide abysmal returns to the average investor (you or me). In "The Missing Risk Premium", Falkenstein does a quick overview on average returns to penny stock investors citi... |
How do banks lose money on foreclosures? | Someone has to hand out cash to the seller. Even if no physical money changes hands (and I've bought a house; I can tell you a LOT of money changes hands at closing in at least the form of a personal check), and regardless of exactly how the bank accounts for the actual disbursement of the loan, the net result is that ... |
Can I withdraw from my Roth IRA retirement account to fund a startup? | Chris's answer is a great start. Keep in mind that when you withdraw from a Roth IRA, you "shrink" the size of the IRA (i.e. if the start up flourishes, you can't put the $10k you withdrew back, as you're limited to ~$5k in contributions per year). You may want to consider funding your startup with a credit card (ideal... |
Should I buy a house because Mortgage rates are low | Reasons for no: In your first sentence you say something interesting: rates low - prices high. Actually those 2 are reversely correlated, imagine if rates would be 5% higher-very few people could buy at current prices so prices would drop. Also you need to keep in mind the rate of inflation that was much higher durin... |
Should I pay off my car loan within the year? | Something I'd like to plant firmly into your mind - If you're able to save up enough money to buy the things you want outright, credit will be of little use to you. Many people find once they've accumulated very good credit scores by use of good financial habits, that they rarely end up using credit, and get little out... |
Does an issue of bonus shares improve shareholder value? | It sounds like "bonus shares" are the same as a stock dividend. Stock dividends are equivalent to a stock split except for accounting treatment (good explanation here: http://www.accountingcoach.com/online-accounting-course/17Xpg05.html). As an investor, the only likely effect of a stock dividend is to make it more com... |
Best way to buy Japanese yen for travel? | Unless you need extremely large sums of money, I suggest you use an ATM or look for a credit card that has no foreign transaction fees (rare). AFAIK, it's not possible for a retail buyer to purchase currency at the current exchange rate quoted online. You are always going to be paying some spread above that, and the A... |
How should I begin investing real money as a student? | Without knowing what you are trying to achieve - make a bit of pocket money, become financially independent, invest for retirement, learn trading to become a trader - I'll give you a few thoughts ... The difficulty you will have trading with $400-600 is that brokerage will be a high proportion of your "profits". I'm n... |
Why doesn't Japan just divide the Yen by 100? | What benefit vs. what cost? Benefit - none that I can think of. Cost - massive. Every system that handles money would need to re-value overnight, every store would need to re-price. In many ways it would be simpler and maybe even cheaper to introduce a new currency. |
Must ETF companies match an investor's amount invested in an ETF? | First, it's an exaggeration to say "every" dollar. Traditional mutual funds, including money-market funds, keep a small fraction of their assets in cash for day-to-day transactions, maybe 1%. If you invest $1, they put that in the cash bucket and issue you a share. If you and 999 other people invest $100 each, not off... |
Degiro Stocks & Shares Account for Minor | Get answers from your equivalent of the IRS, or a local lawyer or accountant who specializes in taxes. Any other answer you get here would be anectdotal at best. Never good to rely on legal or medical advice from internet strangers. |
How to estimate a reasonable amount for a signing bonus? | Signing bonuses are probably the most variable of all, as there is a general understanding that more personal factors are taken into account. As a result, HR isn't under a huge obligation to explain away the differences. In comparison, for salary there's the wide expectation that same job = same pay. Since there's so v... |
How do I factor dividends and yield into the performance of a security? | Instead of a price chart can use a performance chart, which is usually expressed as a percentage increase from the original purchase price. To factor in the dividends, you can either add in all of your dividends to the final price, or subtract the accumulated dividends from your cost basis (the initial price). |
Remortgaging my home to release capital for second property | I've had a hard time finding out details on remortgaging Help to Buy loans myself, but found one article (http://www.thisismoney.co.uk/money/mortgageshome/article-3038831/Help-Buy-borrowers-risk-missing-best-remortgage-deals.html) which points out it IS possible. But also that there aren't many lenders offering such d... |
Specifically when do options expire? | 4PM is the market close in NYC, so yes, time looks good. If "out of the money," they expire worthless. If "in the money," it depends on your broker's rules, they can exercise the option, and you'll need to have the money to cover on Monday or they can do an exercise/sell, in which case, you'd have two commissions but... |
What one bit of financial advice do you wish you could've given yourself five years ago? | I wish I had learned my lesson from the dot com bubble before I took a piece of the housing bubble. |
Why would a company with a bad balance sheet be paying dividends? | While Ford and the other auto makers have a bad few years, some companies want to have a cash dividend. It appeals to certain investors. Others have tried to avoid dividends: Microsoft didn't start until ~2003; Apple only from mid 80's until mid 90's.; Google never has had a cash dividend. The desire to keep the divide... |
What risk of a diversified portfolio can be specifically offset by options? | Options are contractual instruments. Most options you'll run into are contracts which allow you to buy or sell stock at a given price at some time in the future, if you feel like it (it gives you the option). These are Call and Put options, respectively (for buying the stock and selling the stock). If you have a lot of... |
Can my accounting for Tax Basis differ from my broker's | No. If you didn't specify LIFO on account or sell by specifying the shares you wish sold, then the brokers method applies. From Publication 551 Identifying stock or bonds sold. If you can adequately identify the shares of stock or the bonds you sold, their basis is the cost or other basis of the particular share... |
Is there legal reason for restricting someone under 59-1/2 from an in-service rollover from a 401K to an IRA? | Yes, this is restricted by law. In plain language, you can find it on the IRS website (under the heading "When Can a Retirement Plan Distribute Benefits?"): 401(k), profit-sharing, and stock bonus plans Employee elective deferrals (and earnings, except in a hardship distribution) -- the plan may permit a distribution ... |
How dividend payout happens | As the record date is 7th August, you need to hold stocks on the 7th August closing. You need not hold it till 2nd Sept. The list as taken on 7th August would be processed and instructions given to Bank and the dividends credited by 1st Sept. Edit: To Clarify Victor's comment Typically from the time one sells the stoc... |
Nanny taxes and payroll service | For Federal Return, Schedule H and its Instructions are a great start. You are the nanny's employer, and are responsible for FICA (social security and medicare) withholding, and also paying the employer portion. You will offer her a W4 so she can tell you how much federal and state tax to withhold. You'll use Circula... |
Put-Call parity - what is the difference between the two representations? | Well, the first one is based on the "Pert" formula for continuously-compounded present value, while the second one is the periodically-compounded variant. Typically, the continuously-compounded models represent the ideal; as the compounding period of time-valued money shrinks towards zero, and the discount rate (or in... |
What is the future of 401(k) in terms of stability and reliability? | Let's pretend that the author of that article is not selling anything and is trying to help you succeed in life. I have nothing against sales, but that author is throwing out a lot of nonsense to sell his stuff and is creating a state of urgency so that people adopt this mindset. It's clever and it obviously works. F... |
Tracking my spending, and incoming and outgoing (i.e cashflow) | Honing in on your last question: Is there a better way? I think there is, but it would require you to change the way you handle your spending, and that may not be of interest to you. Right now you have a lot of manual work, keeping track of expenditures and then entering the, every day. The great thing about switchin... |
If a mutual fund did really well last year, then statistically speaking, is it likely going to do bad this year? | From a mathematical point of view the stats do not change depending on past performance. Just because a fund is lucky one year doesn't mean that it will be unlucky the next. Consider tossing a coin, the chance of heads is 50%. If you have just thrown 3 heads, the chance of heads is still 50%. It doesn't go down. If yo... |
Is refinancing my auto loan just to avoid dealing with the lender that issued it a crazy idea? | What are the fees associated with changing the new loan? Are those fees worth the peace of mind? If so, than it is not "crazy". The decision really boils down to that: is it worth the money that you will spend refinancing the loan to not have to deal with the original bank that financed your loan, assuming that you fi... |
Whats the difference between day trading and flipping and their tax implications? | Flipping usually refers to real-estate transaction: you buy a property, improve/renovate/rehabilitate it and resell it quickly. The distinction between flipper and investor is similar to the distinction between trader and investor, even though the tax code doesn't explicitly refer to house flipping. Gains on house flip... |
Why is day trading considered riskier than long-term trading? | In day trading, you're trying to predict the immediate fluctuations of an essentially random system. In long-term investing, you're trying to assess the strength of a company over a period of time. You also have frequent opportunities to assess your position and either add to it or get out. |
Do precious metals and mining sector index funds grow as much as the general stock market? | Metals and Mining is an interesting special case for stocks. It's relationship to U.S. equity (SPX) is particularly weak (~0.3 correlation) compared to most stocks so it doesn't behave like equity. However, it is still stock and not a commodities index so it's relation to major metals (Gold for instance) is not that ... |
Options “Collar” strategy vs regular Profit/Loss stops | There are a few differences: |
What is a negotiable security and how are they related to derivatives? | The price for securities is negotiable. You totally have a right to make a lower offer when buying or ask for a higher price when selling. Securities don't trade at a fixed price, the price goes up and down throughout the day based on the price offers made by buyers and sellers and where they find agreement. If a s... |
What makes a Company's Stock prices go up or down? | Here are some significant factors affect the company stock price performance: Usually, profitability is known to the public through the financial statements; it won't be 100% accurate and people would also trade the stock with the price not matching to the true value of the firm. Still there are dozens of other various... |
40 year old A and J makes 1M a year. What is the best investment to save on tax? | There is nothing legal you can do in the United States to avoid the tax burden of income earned as an employee other than offsetting it with pre-tax contributions (which it sounds like you're already doing), making charitable contributions, or incurring investment losses (which is cutting off your nose to spite your fa... |
Is it worth working at home to earn money? Can I earn more money working at home? | I think the right question you should ask yourself is: Can i work at home? is it possible? do I have a calm, private place at home to work from? what will be the motivation while working from? If you got answers to these questions, you will find if you can get money from home or not, because any place you can do work f... |
What does it mean if “IPOs - normally are sold with an `underwriting discount` (a built in commission)” | Also, in the next sentence, what is buyers commission? Is it referring to the share holder? Or potential share holder? And why does the buyer get commission? The buyer doesn't get a commission. The buyer pays a commission. So normally a buyer would say, "I want to buy a hundred shares at $20." The broker would then... |
Why are American-style options worth more than European-style options? | OK, my fault for not doing more research. Wikipedia explains this well: http://en.wikipedia.org/wiki/Option_style#Difference_in_value Basically, there are some cases where it's advantageous to exercise an American option early. For non-gold currency options, this is only when the carrying cost (interest rate different... |
Is there a generally accepted term for fractions of Currency Units? | I recently bought a stock - which was priced exactly as your question ponders, to the 1/100 cent. I happened to buy 2000 shares, but just a round lot of 100 would be enough to create no need for rounding. It's common for industry to price this way as well, where an electronic component purchased by the thousands, is ... |
What is an effective way to invest in electric car industry? | At this time I would say that the electric car industry as a whole is too new to be able to invest in it as a sector. There are only a handful of companies that focus solely on electric cars to create a moderately diverse portfolio, let alone a mutual fund. You can invest in mutual funds that include EV stocks as par... |
What's a good personal finance management web app that I can use in Canada? | Now, keep in mind I'm biased because I'm an engineer at this company, but FutureAdvisor.com provides advice on your savings and investments. We currently help users optimize their portfolios for retirement savings, but plan on rolling our more savings goals in the future. |
Scammer wants details and credentials for my empty & unused bank account. What could go wrong? | First off, do not ever tell someone your password. Nobody who actually works for the bank would need your password to access the account. Also, it may or may not be a scam (it almost assuredly is), but it is not a good idea to let someone use your bank account in your name. What if they use your account to launder mone... |
Do I qualify for a personal 401-K Plan? | I'm not a tax lawyer, but from what I can tell it looks like you'd be eligible to use your contractor income to fund a Solo 401(k). http://www.irafinancialgroup.com/whatissolo401k.php "To access these benefits an investor must meet two eligibility requirements: The presence of self employment activity. The absence of ... |
Payroll taxes on exercised stock options | To explain the capital gains part of the question, non qualified stock options (NSOs) are always treated like earned income and have payroll taxes withheld. It's advantageous for the company to issue these because they can deduct them as expenses just as they do your salary. Articles talking about capital gains would p... |
I thought student loans didn't have interest, or at least very low interest? [UK] | nan |
What happens to the insider trade profits? | You seem to have a little confusion over terminology that should be cleared up: You are calling this "day-trading" Day-trading is the term for performing multiple trading actions in a single day. While it appears that the COO has performed a buy and a sell on the same day, most people would consider this a 'single trad... |
Most Efficient Way to Transfer Money from Israel to the USA? | Check with stock brokers. Some of them will offer ILS->USD conversion at a very beneficial rate (very close to the official), without any commission, and flat-priced wire transfers. For large amounts this is perfect. I know for a fact that Gaon Trade used to do that ($15 for a wire transfer of any amount), but they are... |
Is the Investopedia simulator an accurate representation of real stock trading? | Using any simulator will never be exactly the same as real trading. One reason is that a simulator will always execute your trades at the exact price you want, but that may not always happen in real life. For example, if you place a limit order to buy 1000 shares of a stock at 10.50, and the price drops down to exactl... |
How to calculate how much a large stock position is really worth? | This is actually a very complicated question. The key reading in this area is a seminal paper by Almgren & Chriss, "Optimal Execution of Portfolio Transactions" (2000). They show that there's a tradeoff between liquidating your portfolio faster and knowing the value with more certainty, versus liquidating more slowly (... |
Where can I see the detailed historical data for a specified stock? | To see a chart with 1-minute data for a stock on a specific date: For example, here is the chart for TWTR on November 7, 2013 - the day of the IPO: Here is the chart for TWTR on November 8, 2013 - its second day of trading: Here is the chart for TWTR on November 11, 2013 - its third day of trading: |
How to spend more? (AKA, how to avoid being a miser) | Unless your stinginess has reach truly compulsive levels, it should be enough to consciously remind yourself of the value of your time when you make purchase decisions or find yourself chasing minor savings. Another way might be to deliberately give yourself a monthly or weekly budget that you're allowed to "waste" on ... |
Is the Chrysler extended warranty coverage worth it? | I haven't looked at that warranty in detail, but generally speaking this should help. What is GAP insurance? In the case of a total loss/write off gap insurance covers the outstanding finance after your regular insurance pay out. The two won't match up usually because of the depreciation right after you buy the car. Fo... |
Pros/Cons of Buying Discounted Company Stock | Some other answers mention the ability to sell at grant. This is very important. If you have that ability, think about your guaranteed return. In my case, I get a 15% discount on the lowest 6 month window price from the last two years. If you do the math, the worst case return can be calculated: 1) Money that from the... |
Is it a good idea to rebalance without withdrawing money? | There will quickly come a time when buying to rebalance is impractical. Consider, you save 10%, and at some point, you have 5x your income saved. (you earn $50K and have accumulated $250K). A simple allocation, 50/50, so $125K stock, $125K bonds. Now, in a year the market is up much over 4%, your $5K deposit will not b... |
Should an IRA be disclaimed to allow it to be distributed according to a will? | She is very wrong. If the IRA is a traditional, i.e. A pretax IRA (not a Roth), all withdrawals are subject to tax at one's marginal rate. Read that to mean that a large sum can easily push her into higher brackets than normal. If it stayed with her, she'd take smaller withdrawals and be able to throttle her tax impac... |
How can the Samsung Upgrade Programme offer 0% APR? | The financing is built into the price. I do not have hard facts, but I strongly suspect that very few people buy brand-new smartphones at full price upfront. Most pay a monthly installment to the carrier or retailer equal to 1/24 of the full price, which in effect is "0% financing for 2 years". Samsung might be able... |
A University student wondering if investing in stocks is a good idea? | I say, before investing your real capital into the Stock Market, play around on the virtual stock exchange game. It let's you invest with virtual capital and you can gain experience with the stock market. I wouldn't start investing in stock until I'm sure I can cover losses though. If you do intend to invest stocks so ... |
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