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Home owners association for houses, pro/cons | Some examples where an HOA is a positive thing: 1) Amenities: Maybe it is professionally maintained landscaping at the front of the subdivision, or a playground, or community pool. An HOA provides a convenient way to have things like that and share the costs among all the people who benefit. 2) Legal Advocacy: I live i... |
Fund or ETF that simulates the investment goals of an options “straddle” strategy? | *Volatility and the VIX can be very tricky to trade. In particular, going out longer than a month can result in highly surprising outcomes because the VIX is basically always a one month snapshot, even when the month is out in the future. |
How do dividend reinvestment purchases work? | As far as I know, it has the same price, and effects on the market, as any other transaction... |
Pros & cons in Hungary of investing retirement savings exclusively in silver? What better alternatives, given my concerns? | To be honest, I think a lot of people on this site are doing you a disservice by taking your idea as seriously as they are. Not only is this a horrible idea, but I think you have some alarming misunderstandings about what it means to save for retirement. First off, precious metals are not an "investment"; they are stor... |
Clothing Store Credit Card Account closed but not deleted | They close accounts to render them inoperative. They never delete accounts because they want to retain the data to inform any future decision to give you credit. Also, 99% of the time, if a customer demands their account be deleted, it's because of adverse credit marks and the angry customer wants this accurate in... |
Does dollar cost averaging really work? | If you know with 100% certainty what the market will do, then invest it all at the best time. If not, spread it out over time to avoid investing it all at the worst possible time. |
What should I do with my $25k to invest as a 20 years old? | I recommend a Roth IRA. At your age you could turn 25K into a million and never pay taxes on these earnings. Of course there are yearly limits (5.5k) on the amount your can contribute to a Roth IRA account. If you haven't filed your taxes this year yet ... you can contribute 5.5K for last year and 5.5K for this year. ... |
Buying a multi-family home to rent part and live in the rest | Disadvantage is that tenant could sue you for something, and in an unfavorable judgement they would have access to your house as property to possess. You could lose the house. Even if you make an LLC to hold the house, they'll either sue you or the LLC and either way you could lose the house. This might be why the land... |
Any tax advantage for registering a residential house as a business? (I want to apply legal pressure to my landlord) | To the best of my knowledge, in California there's no such thing as registering a place as a business. There's zoning (residential/commercial/mixed/etc), and there's "a business registered at a place". But there's no "place registered as a business". So you better clarify what it is that you think your landlord did. It... |
In 2015, why has the price of natural gas been plummeting? | You do not hold leveraged ETF for longer than a few days. You have UGAZ and DGAZ, both 3x leveraged, one longs one shorts. What happens if you buy both? You don't get 0% return. In fact, you get -10% return if you hold both for 3 months. No matter what happens, they both go down in long term. Call it Leverage Deca... |
What gives non-dividend stocks value to purchasers? [duplicate] | As an owner of a share of a business you also "own" profits made by the business. But you delegate company management to reinvest those profits, on your behalf, to make even more profits. So your share of the business is a little money-making machine that should grow, without you having to pay taxes on the dividends an... |
Paid part of my state refund back last year; now must declare the initial amount as income? | http://www.irs.gov/taxtopics/tc503.html says you can deduct "Any prior year's state or local income tax you paid during the year." So I would say as long as you have good records, you can deduct the excess refund you had to pay back in the year in which you paid it. Whether or not your return was amended shouldn't affe... |
What is insider trading exactly? | One scenario described in the original question -- a non-insider who trades after informal conversations with friends, where no insiders directly benefit from any such disclosure -- might not be illegal. (IANAL -- this is just my personal interpretation of articles in the news recently.) http://www.bloomberg.com/news/... |
Can I work with two or more mortgage brokers at the same time? | While it is possible, it's not a really good use of your time or theirs. Mortgage brokers have access to dozens of lenders, can assemble deals you can't even dream of, and are much more intimately acquainted with the latest lending rule changes than you are. They are paid by the lenders to bring them business, so there... |
I'm thinking about selling some original artwork: when does the government start caring about sales tax and income tax and such? | First - get a professional tax consultation with a NY-licensed CPA or EA. At what point do I need to worry about collecting sales taxes for the city and state of New York? Generally, from the beginning. See here for more information on NYS sales tax. At what point do I need to worry about record-keeping to report the ... |
Evidence for Technical Analysis [duplicate] | To answer your original question: There is proof out there. Here is a paper from the Federal Reserve Bank of St. Louis that might be worth a read. It has a lot of references to other publications that might help answer your question(s) about TA. You can probably read the whole article then research some of the other ... |
How can I find stocks with very active options chains? | If you're willing to shell out some cash, vendors will be quite happy to sell you everything you need. Picking one out of thin air, and no idea if this is a good price or not, the CBOE will sell you EOD data for every option for $40 for one day, and at a discount for multiple days. Beyond the high/low/close for each c... |
How can I buy and sell the same stock on the same day? | you need minimum of 25k otherwise youll reach a limit. you have to wait 3 days for the sale to clear unless youre on margin. dont buy anything based on idiots on twitter or the internet. however, theres some good people to follow though that know what theyre doing. dont listen to this guy saying that etrade or those p... |
In what state should I register my web-based LLC? | Is it really necessary? If $800 / year registration fee is too much to you, an LLC is apparently not something you need right now. Many people conduct web-based business online on personal terms. My suggestion is that you focus on your business first and try to grow it as much as you can before you get down to a compan... |
Is it possible to make money by getting a mortgage? | In the Netherlands its cheaper in some cases to have a mortgage then to own a house. Example: If you own a house you pay more taxes (because you own something expensive you have to pay "eigendoms belasting" < owners tax). So if you instead of owning the house, keep the mortgage low and only pay the mortgage interest... |
How does the process of “assignment” work for in-the-money Options? | I often sell covered calls, and if they are in the money, let the stock go. I am charged the same fee as if I sold online ($9, I use Schwab) which is better than buying back the option if I'm ok to sell the stock. In my case, If the option is slightly in the money, and I see the options are priced well, i.e. I'd do an... |
How is the time-premium on PUT options calculated | According to Yahoo, AAPL was trading at $113.26 at 1:10 PM on 11/13/15, which is the approximate time of your option quote. You provided a quote for AAPL at 4:15, and the stock happened to keep going down most of the that afternoon. To make a sensible comparison, you need to take contemporary prices on both the stock... |
When investing, is the risk/reward tradeoff linear? | If a market is efficient then risk/reward should be linear. In simple markets like stocks and bonds, everyone thinks the same way and the risk/reward calculation is simple, so everyone can have an accurate idea of the risk/reward ratio, unless the company has serious undisclosed problems. But in other markets like der... |
Should I buy out my brother on a property we will inherit before making improvements? | If your father is still able to make financial decisions and sign contracts, I see a better option. Have your father borrow against his equity to finance the renovation. Example: the house is worth 400 now. He can borrow 100 against that. He spends it on the addition, making the house worth 500, with the same 400 of e... |
Is there any benefit to investing in an index fund? | Index funds are good for diversifying risk. For people who don't have a large sum of money to invest, holding all the different types of stocks in the index is both very expensive and not practical because you incur too many transaction costs. For an index funds, the main advantages are that costs are pooled, and inves... |
What happens if the term insurance company closes? | This depends on the jurisdiction, but such companies are typically subject to regulations (and audits) that require them to keep the customers' accumulated premiums very strictly separated from the company's own assets, liabilities and expenses. Additionally, they are typically only allowed to invest the capital in ver... |
Why are daily rebalanced inverse/leveraged ETFs bad for long term investing? | The problem with daily-rebalanced "inverse" or "leveraged" ETFs is that since they rebalance every day, you can lose money even if your guess as to the market's direction is correct. Quoting from FINRA'S guide as to why these are a bad idea: How can this apparent breakdown between longer term index returns and ETF retu... |
Historically how do share prices perform after mass selling after an employee reward scheme? | Like others have already said, it may cause an immediate dip due to a large and sudden move in shares for that particular stock. However, if there is nothing else affecting the company's financials and investors perceive no other risks, it will probably bounce back a bit, but not back to the full value before the share... |
Books, Videos, Tutorials to learn about different investment options in the financial domain | Just by chance I recently encountered this link - Do It Yourself MFE, which describes an attempt to self-educate to the level of Master of Financial Engineering. It lists books, online courses, etc. which I think may be interesting for you too. |
What to do with your savings in Japan | The reason for these low interests is that the Japanese central bank is giving away money at negative interests to banks. Yes, negative. So, short of opening your own bank, you'll have to either choose less liquid investments or more risky ones. Get Japanese government bonds. Not a great interest, band not that liquid,... |
Why would anyone buy a government bond? | Why would a bank buy government bonds? Why couldn't they just deposit their money in another bank instead? Generally, banks are limited by laws and regulations about how much they must set aside as reserves. Of the money they receive as deposits, they may loan a certain amount, but must keep some as a reserve (this is... |
Are Credit Cards a service to banks? | As i see it, with a debit card, they are taken kinda out of the game. They are not lending money, it seems really bad for them. Not exactly. It is true that they're not lending money, but they charge a hefty commission from the retailers for each swipe which is pure profit with almost no risk. One of the proposal... |
Where do large corporations store their massive amounts of cash? | For tax optimization, cash is stored mostly overseas, according to the New York Times. For Apple, everytime a song or an app is bought in Europe, Africa or Middle East, money flows to iTunes Sàrl, in Luxemburg. Royalties on patents flow internally from Apple in California to Apple in Ireland. Then profits flow to the C... |
Is it a good practice to keep salary account and savings account separate? | Well the idea of 'good practice' is subjective so obviously there won't be an objectively correct answer. I suspect that whatever article you read was making this recommendation as a budgeting tool to physically isolate your reserve of cash from your spending account(s) as a means to keep spending in check. This is a c... |
Should I finance a new home theater at 0% even though I have the cash for it? | I think most people have already answered this one pretty well. (It's usually worth it, as long as you pay it off before the interest kicks in, and you don't get hit with any fees.) I just wanted to add one thing that no one else has pointed out: Applying for the loan usually counts as a hard pull on your credit hist... |
Closing a futures position | Ignoring the complexities of a standardised and regulated market, a futures contract is simply a contract that requires party A to buy a given amount of a commodity from party B at a specified price. The future can be over something tangible like pork bellies or oil, in which case there is a physical transfer of "stuff... |
Why are typical 401(k) plan fund choices so awful? | I would point this out to the committee or other entity in charge of handling this at work. They do have a fiduciary responsibility for the participant's money and should take anything reasonable seriously. The flip side to this is 95% of participants -- especially participants under 35 or so -- really pay next to no a... |
Company wants to sell all of its assets, worth more than share price? | The stock exchange here serves as a meeting place for current shareholders who want to sell their shares to someone else. This has nothing to do with liquidation, which is a transaction between the company and its shareholders. A company does not have to be listed on an exchange to make distributions to shareholders. |
Buying a small amount (e.g. $50) of stock via eToro “Social Trading Network” using a “CFD”? | There are some useful answers here, but I don't think any of them are quite sufficient. Yes, there are some risks involved in CFD trading, but I will try and give you information so you can make your own decision. Firstly, Cyprus is part of the EU, which gives it a level of credibility. I'm not saying it's the safest... |
financial institution wants share member break down for single member LLC | What exactly would the financial institution need to see to make them comfortable with these regulations The LLC Operating Agreement. The OA should specify the member's allocation of equity, assets, income and loss, and of course - managerial powers and signature authorities. In your case - it should say that the LLC... |
If throwing good money after bad is generally a bad idea, is throwing more money after good Ok? | The principle behind the advice to not throw good money after bad is better restated in economics terms: sunk costs are sunk and irrelevant to today's decisions. Money lost on a stock is sunk and should not affect our decisions today, one way or the other. Similarly, the stock going up should not affect our decision... |
Is stock trading based more on luck than poker playing? | I assert not so. Even if we assume a zero sum game (which is highly in doubt); the general stock market curves indicate the average player is so bad that you don't have to be very good to have better that 50/50 averages. One example: UP stock nosedived right after some political mess in Russia two years ago. Buy! Profi... |
Can a dividend reinvestment plan (DRIP) and share purchase plan (SPP) be used with a TFSA? | You can hold a wide variety of investments in your TFSA account, including stocks such as SLF. But if the stocks are being purchased via a company stock purchase plan, they are typically deposited in a regular margin account with a brokerage firm (a few companies may issue physical stock certificates but that is very r... |
Settling house with husband during divorce. Which of these two options makes the most sense? | Both are close, but two notes - amiable or not, I'd rather have a deal that ends now, and nothing is hanging over my head to get or pay money on a future sale. 401(k) money is usually pre-tax, so releasing me from $10K of home equity is of more value than the $10K in a 401(k) that would net me $7K or so. As I comment... |
100% Ownership and 30% profit to sale director | Perhaps an example will help make it more clear. Any given year: Revenue: 200K, profit 60K You get 40K in profit, plus any salary, he gets 20K Next year you attract the attention of a competitor and they offer and you accept to sell. You would get 100% of the proceeds. This is kind of a bad deal for him as you could... |
What does “interest rates”, without any further context, generically refer to? | Generically, interest rates being charged are driven in large part by the central bank's rate and competition tends to keep similar loans priced fairly close to each other. Interest rates being paid are driven by what's needed to get folks to lend you their money (deposit in bank, purchase bonds) so it's again related.... |
Are stories of turning a few thousands into millions by trading stocks real? | I made upwards of 3M from 200K by trading stocks, which I made from a business that I invested 20K in. HOWEVER, DO NOT use trading stocks as a source of income, you're gambling with your precious cash. There are safer alternatives. |
What would I miss out on by self insuring my car? | If you can afford to replace your car, it is more cost effective, on average and over time, not to carry comprehensive and collision insurance. The insurance companies do make a profit, after all. However, you may be able to worry less ("What if someone steals my car if I park here?") with the insurance, and you have t... |
How can I buy these ETFs? | Some of the ETFs you have specified have been delisted and are no longer trading. If you want to invest in those specific ETFs, you need to find a broker that will let you buy European equities such as those ETFs. Since you mentioned Merrill Edge, a discount broking platform, you could also consider Interactive Broke... |
devastated with our retirement money that we have left | I'm going to discuss this, in general, as specific investment advice isn't allowed here. What type of account is the $60K in now? I mean - Is it in a 401(k), IRA or regular account/CD/money market? You are still working? Does your company offer any kind of matched 401(k)? If so, take advantage of that right up the lev... |
What's the benefit of a credit card with an annual fee, vs. a no-fee card? | Just to make this a little less vauge, I will base everything on the Mercedes Benz American Express (MB AMEX) card, which is the closest to a $100 annual fee I found on American Express's website. The benefits of a card with an annual fee generally are worth the cost if (and only if) you spend enough money on the card,... |
Day trading definition | If I buy 10 stocks on Monday and sell the same on Tuesday (different trading day) would I be considered a day trader? No. It is only counting if you buy something and then sell that same something during the same trading session. And that counter only lasts for 5 days, things that happened outside of that time period g... |
Risks associated with investing in dividend paying stocks for short term income. Alternatives? | Your back of the envelope calculation shows an income of about 5.5% per year, which is much better than a bank. The risk of course is that in a few years when you want to sell the stock, the price may not be at the level you want. The question is what are you giving up with this plan. You have 80K in cash, will cutting... |
What does “points” mean in such contexts (stock exchange, I believe)? | Points are the units of measurement of the index. They're calculated based on the index formula, which in turn based on the prices of the underlying stocks. Movement in points is not really interesting, the movement as a percentage of the base price (daily opening, usually) is more interesting since it gives more conte... |
Can we buy and sell stocks without worrying about settlement period | In the United States, regulation of broker dealer credit is dictated by Regulation T, that for a non-margin account, 100% of a trade must be funded. FINRA has supplemented that regulation with an anti-"free rider" rule, Rule 4210(f)(9), which reads No member shall permit a customer (other than a broker-dealer or a “des... |
Is there a mathematical formula to determine a stock's price at a given time? | I found the answer. It was the Stock Ticker that I was looking for. So, if I understand correctly the price at certain moment is the price of the latest sale and can be used to get a global picture of what certain stock is worth at that certain instant. |
Does inflation equal more loans? | In terms of operations, banks are indifferent to inflation. Short rates except right before a recession or near-recession are always lower than long rates, regardless of inflation level, assuming no quotas or price controls. Banks produce credit by borrowing short to lend long, so as long as short rates are lower than ... |
What is a “fiat” currency? Are there other types of currency? | A "fiat" currency is non-convertible paper currency that a government establishes as legal tender. Most countries today are using fiat currencies. The rest have currencies pegged (or convertible to) US Dollars (which is a fiat currency). In the past, money was usually based on precious metals such as gold or silver. Un... |
Where can I find a definition of psychological barriers with respect to marketable securities? | I will teach you to be rich blog is all about psychological barriers and behavioural change. |
Why is property investment good if properties de-valuate over time? | As some others have pointed out, it's key to remember the difference in market value and accounting value. To simplify things, book value is the only item that specifically depreciates... it happens in the world of accounting to try to time "when did I use a long term asset?" with "when did I obtain value from that as... |
Does doing your “research”/“homework” on stocks make any sense? | The markets are not as information efficient as some might have you believe. But on the contrary, looking up what the aggregate professional analysts have said is also part of "doing your homework" |
What exactly can a financial advisor do for me, and is it worth the money? | A financial planner can help with investments, insurance, estate planning, budgeting, retirement planning, saving for college, tax planning/prep, and other money topics. One way to get a sense is to look at this Certified Financial Planner topic list. Another idea is to look at this book (my favorite I've read) which c... |
How does delta of an option change with time if underlying price is constant? | As the option approaches expiry, the delta will approach zero or one, depending on whether you're in or out of the money. This might be easiest to conceptualise if you look at the option value as a function of the stock price, and then realise that the delta is the slope of that curve. Now, as we get closer to expiry, ... |
How profitable is selling your customer base? | but what about non-identifying information like emails or even telephone numbers? Are you allowed to do this? Most countries have privacy laws that would explicitly forbid companies from selling data not just to other companies, but even to other divisions within the company without explicit approval from customer. Th... |
Indie Software Developers - How do I handle taxes? | The "hire a pro" is quite correct, if you are truly making this kind of money. That said, I believe in a certain amount of self-education so you don't follow a pro's advice blindly. First, I wrote an article that discussed Marginal Tax Rates, and it's worth understanding. It simply means that as your income rises past ... |
Purpose of having good credit when you are well-off? | Your dad may have paid an "opportunity cost" for that outright purchase. If the money he saved had been invested elsewhere, he may have made more money. If he was that well off, then his interest rate should have been the lowest possible. My own father is a multi-millionaire (not myself) and he could afford to have ... |
What does inflation mean to me? | short answer: any long term financial planning (~10yrs+). e.g. mortgage and retirement planning. long answer: inflation doesn't really matter in short time frames. on any given day, you might get a rent hike, or a raise, or the grocery store might have a sale. inflation is really only relevant over the long term. a... |
Cash-basis accounting and barter | If you don't track the accrued costs involved, then it means that the valuation of the deal will be somewhat arbitrary, but it still can be made by looking at the value of equivalent or similar goods or services. It's rather similar to accounting treatment of (noncash) gifts, for example. You make up a valuation, and a... |
What happens when they run out of letters? | The 3-letter tickers are from a different era.... Nowadays the usage of tickers is more of a "legacy" tradition rather than a current necessity. As such they're no longer limited to 3 characters. And the characters don't have to be related to the actual name. For example a company named Alphabet is trading on NASDAQ un... |
To rebalance or not to rebalance | This answer will assume you know more math than most. An ideal case: For the point of argument, first consider the following admittedly incorrect assumptions: 1) The prices of all assets in your investment universe are continuously differentiable functions of time. 2) Investor R (for rebalance) continuously buys and ... |
Can I use a different HSA than PayFlex that came with aetna? | There are some cases I'm aware of where a large employer will offer alternative HSA vendors, but this is not the norm as far as I'm aware, and would only be an option if your employer has already negotiated for this with your insurer. It's likely that this specific vendor is built in for the particular HSA product your... |
Income At the Sell or Reception? | It looks like fair-market value when you receive your virtual currency is counted as income. And you're also subject to self-employment tax on that income. Here's an FAQ from the IRS: Q-8: Does a taxpayer who “mines” virtual currency (for example, uses computer resources to validate Bitcoin transactions and maintain ... |
Historic prices for currencies, commodities, | My guess it's a legal agreement between Yahoo and data provider on what data can be stored, displayed and for how long. Check out this list of data providers |
Why is auto insurance ridiculously overpriced for those who drive few miles? | Many services charge prices that do not scale linearly with usage. This is because the service provider has fixed costs that they must recoup by charging a rate with a fixed component. A 5-mile taxi ride is unlikely to cost half what a 10-mile taxi ride costs. Even a half sandwich at a sandwich place usually costs m... |
How can a person with really bad credit history rent decent housing? | She can find a landlord that doesn't do credit checks. Maybe on Craigslist? She may end up paying more, have a bigger security deposit, etc. She can get someone else (not you) to sit her down and explain to her frankly that she's messing things up for herself and her children by being a poor manager of her finances. ... |
What to do with $50,000? | Here is some good advice, read your UCO prospectus. It seems to hold 20% of it's value ($600MM out of $3B) via 13800 of the Apr 21st 2015 contracts. (expiring in 30 days) Those will be rolled very quickly into the May contracts at a significant loss of NAV. (based on current oil futures chains) Meaning if crude o... |
What is the opposite of a sunk cost? A “sunk gain”? | liquid asset A sunk cost may turn out to be a loss or it may make you a profit, but what makes it "sunk" is: you can't get it back. The opposite is a cost that you can later redeem, which makes it "liquid". |
using credit card and paying back quickly | Yes, however you would have to wait for the $900 to actually be available in your credit card account if making the transaction from an account from another bank or provider, as it usually might take one to two business days for this to happen. If both the chequing account and credit card account are with the same ban... |
What's The Best Way To Pay Off My Collections? | If you can pay it then there's no need to involve a credit counselor. After all, their main role when you use them is to negotiate payments with creditors so you can pay off your debts. In this case you have the funds to pay, so why make it any more complicated than it needs to be? To be honest, a 597 score is going ... |
Why would my job recruiter want me to form an LLC? | The "independent contractor" vs. "employee" distinction is a red herring to this discussion and not at all important just because someone suggested you use your LLC to do the job. Corp-2-Corp is a very common way to do contracting and having an LLC with business bank accounts provides you with more tax deductions (such... |
1099-MISC vs K-1 — duplicated numbers? | Well, you won't be double taxed based on what you described. Partners are taxed on income, typically distributions. Your gain in the partnership is not income. However, you were essentially given some money which you elected to invest in the partnership, so you need to pay tax on that money. The question becomes, are y... |
When should I start an LLC for my side work? | An LLC is overkill for 99% of 1 man small businesses. Side-businesses should remain as sole proprieterships until they get much larger and need the benefits of the LLC laws. You can still bill through a company name if you want to start building a brand: And set aside 25% of your gross income for Uncle Sam. He wants yo... |
Working out if I should be registered as self-employed in the UK | As 'anonymous' already mentioned, I think the correct answer is to go see an accountant. That said, if you are already have to fill in a tax return anyway (ie, you're already a high rate taxpayer) then I don't see why it should be an issue if you just told HMRC of your additional profit via your tax return. I never was... |
Pay off credit cards in one lump sum, or spread over a few months? | Pay them off immediately. But, as I note in my article Too Little Debt?, a zero utilization is actually a negative hit. So you want to just use the cards to get over 1%. i.e. if the lines add to $38K, just charge say, gas and some groceries, $100/wk. Pay in full every month. It's the amount on the statement that counts... |
How can my friend send $3K to me without using Paypal? | If wire transfer through your bank does not work then perhaps one of the more popular money transfer services may be what you are looking for such as MoneyGram or Western Union. Now these rely on a trusted "registered" third party to do the money transfer so you need to make sure that you are working with a legitimate ... |
What evidence do I need to declare tutoring income on my income tax? | I have been a private tutor on and off for about 30 years, in three countries, so I understand your concerns! I always kept records as though it was a real business - even if I only had one student I kept records of dates/times/names, and also tracked where the money went (I never spent it straight up - it always got ... |
Estimate probability distribution of profit on investment | There is no simple answer to that, because no one knows exactly what the probability distribution of S&P 500 returns is. Here is a sketch of one possible way to proceed. Don't forget step 4! The problem is that the stock market is full of surprises, so this kind of "backtesting" can only reliably tell you about what a... |
Does gold's value decrease over time due to the fact that it is being continuously mined? | There is another aspect too for the high prices of GOLD. After the current economical crisis people are no more investing in property and a big chunk of investment has been diverted to GOLD. |
Abundance of Cash - What should I do? | There's a few different types of investments you could do. As poolie mentioned, you could split your money between the Vanguard All World ex-US and Vanguard Total Stock Market index. A similar approach would be to invest in the Vanguard Total World Stock ETF. You wouldn't have to track separate fund performances, at th... |
Online transaction - Money taken out late | Debit Cards have a certain processing delay, "lag time", before the transaction from the vendor completes with your bank. In the US it's typically 3 business days but I have seen even a 15 day lag from Panera Bread. I guess in the UK, payment processors have similar processing delays. A business is not obliged to run i... |
Can I take money from my employee stock and put it towards another stock? | Only if you sell the stock in question, and use the proceeds to buy other stock. (You should probably never feel bad about selling your company stock, even if it goes up a lot later, because from a risk-exposure basis you are already exposed to your company's performance through your career. Unless you have a lot of ot... |
Money limit to pay tax for Patreon | If you are in the US, you legally must file taxes on any income whatsoever. How much you will pay in taxes, if any, will depend on your total taxable income. Now, for small transactions, the payments are often not reported to the IRS so some people do not file or pay. The threshold at which they payer is required to ... |
Is an interest-only mortgage a bad idea? | Really the question you need to ask yourself is how much Risk you want to take in order to save a little on interest for 5 years. Rates are pretty close to a historic low, and if you have good credit you should shop around a bit to get a good ideal of what a 15 or 30 year fixed loan would go for. For people that are SU... |
Car expense deductions with multiple work locations | Suppose that I work from home, but do not qualify for a business use of home deduction. As I understand it, this means I cannot deduct trips from home to another work location (e.g., going to a client's home or office to do work there). I do not think this is true. You cannot deduct trips to your main business lo... |
How do I explain why debt on debt is bad to my brother? | This is not the case with your brother only. There are many business which run on this premise. It goes till the time all the conditions are in control and get busted when things goes out of way. You have mentioned the loan amount and not the monthly repayment amount. Even if you say, a new loan will not solve his pro... |
How Is the Price of a Stock Determined? [duplicate] | The market price of a stock is based on nothing at all more than what two parties were last willing to transact for it. The stock has a "bid" and an "ask" each is the value placed by a counterparty. For the sale to occur, one party must meet the other. The stock transacts and that is the price. For a stock to "go up" p... |
What are the opportunities/implications of having a designated clearing bank in my home country? | I strongly urge you against this despite the fact that you may enjoy lucrative interest rates in the short run. Considering the reckless usage of deposits and other public monies to build buildings just to claim that gdp is high (they count the cost of real estate as investment not their final sales as the rest of the ... |
In US, is it a good idea to hire a tax consultant for doing taxes? | Good professional tax advice is expensive. If your situation is simple, then paying someone doesn't give you more than you could get from a simple software package. In this case, doing your own taxes will save you money this year, and also help you next year, as your situation grows steadily more complex. If you don't... |
Is socialtrend.com or/and feelthetrend.com legitimate? | It's called a "Pyramid scheme". Its illegal in almost every country of the Western world. You're not going to earn lifetime income, of course, and these things collapse pretty quickly. Most of the "common folks" don't return the investment, its the organizers who take the money. Sometimes they run, most times they end ... |
Are AAA private-sector corporate bonds safer than government bonds? | If you are afraid of your government defaulting, then you also have reason to fear that your country's so-called "AAA" corporate bonds might not be a safe investment. When governments default, they often do things like: In these scenarios, it is not predictable whether government bonds will suffer more or less than an... |
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