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Is there a general guideline for what percentage of a portfolio should be in gold? | Gold's valuation is so stratospheric right now that I wonder if negative numbers (as in, you should short it) are acceptable in the short run. In the long run I'd say the answer is zero. The problem with gold is that its only major fundamental value is for making jewelry and the vast majority is just being hoarded in... |
What happens to your ability to borrow money based on our joint finances? | Several factors are considered in loans as significant as a home mortgage. I believe the most major factors are 1) Credit report, 2) Income, and 3) Employment status If you borrow jointly, all joint factors are included, not just the favorable ones. Some wrinkles this can cause may include: Credit Report - The second... |
Best Time to buy a stock in a day | You can't predict when to buy a stock during the day to guarantee not having a loss for the day. In the short run stock prices are really pretty random. There are many day traders who try to accomplish exactly this and most of them lose money. If you don't believe me, create an account on Investopedia and use their fre... |
Do I need to invest to become millionaire? | I get the sense that this is a "the world is unfair; there's no way I can succeed" question, so let's back up a few steps. Income is the starting point to all of this. That could be a job (or jobs), or running your own business. From there, you can do four things with your income: Obviously Spend and Give do not provi... |
Why can't I short a stock that sells for less than $5? Is there another way to “go short” on them? | A bit of poking around brought me to this thread on the Motley Fool, asking the same basic question: I think the problem is the stock price. For a stock to be sold short, it has to be marginable which means it has to trade over $ 5.00. The broker, therefore, can't borrow the stock for you to sell short because it isn't... |
What to consider before buying (exercising) a family member's private company employee stock options, about to expire? | First, you mentioned your brother-in-law has "$100,000 in stock options (fully vested)". Do you mean his exercise cost would be $100,000, i.e. what he'd need to pay to buy the shares? If so, then what might be the estimated value of the shares acquired? Options having vested doesn't necessarily mean they possess value,... |
How can a Canadian get exposure to safe haven currencies? | If S&P crashes, these currencies will appreciate. Note that the above is speculation, not fact. There is definitely no guarantee that, say, the CHF/CAD currency pair is inversely linked to the performance of the US stock market when measured in USD, let alone to the performance of the US stock market as measured in CAD... |
Why would you elect to apply a refund to next year's tax bill? | If your refund is so small (like $20 - $25), and it's not worth receiving, it can be put towards next years just to give you a slight edge. |
Creating a Limited company while still fully employed | You can register a limited company and leave it dormant, that's no problem. You just need to make sure that later on you notify HMRC within 3 months of any trading activity. As pointed out, you can register a company in a few hours now so I wouldn't worry about that. Your confusion about Private Limited Companies is un... |
Are lottery tickets ever a wise investment provided the jackpot is large enough? | According to a financial adviser I spoke to, lottery is the riskiest of investments, whereas cash is the safest. Everything else falls between these 2 extremes. |
Effective returns on investment in housing vs other financial instruments | Thinking of personal residence as investment is how we got the bubble and crash in housing prices, and the Great Recession. There is no guarantee that a house will appreciate, or even retain value. It's also an extremely illiquid item; selling it, especially if you're seeking a profit, can take a year or more. ' Housin... |
Why does FlagStar Bank harass you about payments within grace period? | One option is to try to get a month ahead on your mortgage payments. Rather than using the current month's rent to pay the current month's mortgage payments, try to use the previous month's rent to pay the current month's mortgage payments. This should allow you to pay on time rather than late but not unacceptably la... |
What should I do with $4,000 cash and High Interest Debt? | When paying off multiple debts there is a protocol that many support. Payoff your debts according to the snowball method. The snowball method proposes that you make minimum payments on all debts except the smallest one. Payoff the smallest debt as quickly as possible. As smaller debts are paid off, that makes one less ... |
Net Cash Flows from Selling the Bond and Investing | Borrow the overpriced bond promising to repay the lender $1000 in one year. Sell the bond immediately for $960. Put $952.38 in the bank where the it will gain enough to be worth $1000 in one year. You have +$7.62 immediate cash flow. In one year repay the bond lender with the $1000 from the bank. |
Questrade - What happens if I buy U.S. stock with Canadian money? | I personally spoke with a Questrade agent about my question. To make a long story short: in a margin account, you are automatically issued a loan when buying U.S. stock with a Canadian money. Whereas, in a registered account (e.g. RRSP), the amount is converted on your behalf to cover the debit balance. Me: What happen... |
Protecting Gains: Buying a Put vs. Leveraged Bear Market vs. Liquidating Long Positions? | Buying a put is hedging. You won't lose as much if the market goes down, but you'll still lose capital: lower value of your long positions. Buying an ultrashort like QID is safer than shorting a stock because you don't have the unlimited losses you could have when you short a stock. It is volatile. It's not a whole ... |
Considerations for holding short-term reserves? | Factors to consider: For the taxable investments: |
How to spend more? (AKA, how to avoid being a miser) | Ultimately, money derives its value from being spend on a good or service. Investing it is an act of denying your present-self a good or service so that your future-self can obtain (hopefully more) goods or services. Investing is a sensible and responsible default position, but you clearly have passed the point at whic... |
How should I think about stock dividends? | Different stocks balance dividend versus growth differently. Some have relatively flat value but pay a strong dividend -- utility stocks used to be examples of that model, and bonds are in some sense an extreme version of this. Some, especially startups, pay virtually no dividends and aim for growth in the value of the... |
Advice on preserving wealth in a volatile economic/political country | You might find some of the answers here helpful; the question is different, but has some similar concerns, such as a changing economic environment. What approach should I take to best protect my wealth against currency devaluation & poor growth prospects. I want to avoid selling off any more of my local index funds... |
Do Americans really use checks that often? | Many small businesses are still cash and check. For example my landlord does not take credit card or online transfer. My choices are cash and check, and I prefer checks for the paper trail. |
S-Corp partnership startup. How to pay owners with minimal profit? | If you're really interested in the long-term success of your business, and you can get by in your personal finances without taking anything from the business for the time being, then don't. There is no "legal requirement" to pay yourself a prevailing wage if doing so would put the company out of business. it is comm... |
At what price are dividends re-invested? | Keep in mind the ex-dividend date is different from the payable date (the day the dividend is paid). That means the market price will already have adjusted lower due to the dividend. Short answer: you get the lower price when reinvesting. So here's Vanguard's policy, it should be similar to most brokers: When reinvesti... |
View asset/holdings breakdown within fund | The full holdings will be listed in the annual report of the fund, obviously the holdings would only be completely accurate as of the date of the reporting. This is the most recent annual report for FMAGX. I got it from my Schwab research section under "All Fund Documents" but I'm sure you can find it other ways. Whe... |
How do I find a good mutual fund to invest 5K in with a moderately high amount of risk? | The "Money 70" is a fine list: http://money.cnn.com/magazines/moneymag/bestfunds/index.html Money magazine is usually more reasonable than the other ones (SmartMoney, Kiplinger's, etc. are in my opinion sillier). If you want a lot of depth, the Morningstar Analyst Picks are useful but you have to pay for a membership w... |
Is foreign stock considered more risky than local stock and why? | The value of a foreign stock is subject to fluctuations in the foreign currency value; this is not the case for domestic stocks. |
Is it wise to switch investment strategy frequently? | My super fund and I would say many other funds give you one free switch of strategies per year. Some suggest you should change from high growth option to a more balance option once you are say about 10 to 15 years from retirement, and then change to a more capital guaranteed option a few years from retirement. This is... |
How does start-up equity end up paying off? | The details of how you can convert your 5% equity share to cash or stocks will be detailed in writing in the legal agreement you have already signed. If you do not have any signed written agreement, there is no 5%. Since 0% of anything is zero, you can expect to get $0 some time within the next few years. Lastly, if th... |
How common are stock/scrip dividends (as opposed to cash dividends) in US equity markets? | There's not usually a point to issuing new stock as a dividend, because if you issue new stock, it dilutes the existing shareholders by the exact same amount as the dividend: so now they have a few more shares, great, but they're worth the exact same amount. (This assumes that all stockholders are equal. If there are m... |
How to calculate a mutual fund's yield | If the expense ratio of the fund is 0.00% then yes. However, if the fund has expenses of 1% then if the NAV of the fund is $10/share the expenses would cause you to see only $.002 a share and thus you'd have $.10 in total as the expenses first cut down the yield. |
How to calculate cash loss over time? | If inflation is at 2% per annum, in a year you would need £102 to buy equivalent goods to what you could buy today. So if you keep your money in a drawer the buying power of your £100 in a year will be only 100/102 = 98.039% of what it is currently. |
Meaning of “credit” | You're looking at the "wrong" credit. Here's the Wikipedia article about the bookkeeping (vs the Finance, that you've quoted) term. |
What are my options to deal with Student Loan debt collectors? | You have not specified what country you are in. That radically changes everything. In case you are in Canada, there's a great blog that covers bankruptcy and student loans, at http://student-loan-bankruptcy.ca/. Fundamentally, in order to discharge government-backed student loans, you must have ceased to be a student f... |
Value investing | The Investment Entertainment Pricing Theory (INEPT) has this bit to note: The returns of small growth stocks are ridiculously low—just 2.18 percent per year since 1927 (versus 17.47 percent for small value, 10.06 percent for large growth, and 13.99 percent for large value). Where the S & P 500 would be a blend of l... |
Does a US LLC owned by a non-resident alien have to pay US taxes if it operates exclusively online? | As you said, in the US LLC is (usually, unless you elect otherwise) not a separate tax entity. As such, the question "Does a US LLC owned by a non-resident alien have to pay US taxes" has no meaning. A US LLC, regardless of who owns it, doesn't pay US income taxes. States are different. Some States do tax LLCs (for exa... |
Where do I invest my Roth IRA besides stock market and mutual funds? | You're technically 'allowed' to do other investments with your Roth, but you get taken to the cleaners by the financial 'services' community who wants to take a slice. Non-securities investments from a Roth typically require a 'custodian' or other intermediary to handle your investment, e.g. buying silver coins and pa... |
Who Bought A Large Number Of Shares? | Schedule 13D (or the abbreviated version, schedule 13G) would be the most likely place to find this info. When a person or group of persons acquires beneficial ownership of more than 5% of a voting class of a company’s equity securities registered under Section 12 of the Securities Exchange Act of 1934, they are requir... |
I'm upside down on my car loan and need a different car, what can I do? | I am new to the site and hope I can help! We just purchased a used car a few weeks ago and used dealer's finance again so that's not the issue here. I want to focus on what you can do to resolve your issue and not focus on the mistakes that were made. 1 - DO NOT PURCHASE A NEW CAR! Toyota Camrys are great cars that wi... |
What is the benefit of investing in retirement plan versus investing directly in stocks yourself? | Because retirement account usually are tax effective vehicles - meaning you will pay less tax on any profits from your investments in a retirement account than you would outside. For example, in my country Australia, for someone on say $60,000 per annum, if you make $10,000 profits on your investments that year you wil... |
What is the difference between speculating and investing? | Investing is balancing the desire for return against the various risks that your money is faced with. There's also a recognition that an investment will be in place for some extended period of time. Speculation is seeking short-term maximum return, without protecting yourself against risk. "Speculation" or "Speculator... |
How to find out the amount of preferred stock of Coca Cola Company? | They were issued in 1919 and eliminated in 1926. This means that Coca-Cola redeemed them in 1926 and either converted the preferred's to common stock or paid the preferred investor's back their full par value and took them off the books. |
Why do car rental companies prefer/require credit over debit cards? | A few reasons make sense: They have a defined process for rentals, risk assessment, and customer credit. Especially for a large corporation, making changes to that process is not trivial, adds risk/uncertainty, and will be costly. Such changes for a relatively small customer base might not makes sense. Many rental comp... |
Does a company's stock price give any indication to or affect their revenue? | No. Revenue is the company's gross income. The stock price has no contribution to the company's income. The stock price may be affected when the company's income deviates from what it was expected to be. |
What is the best use of “spare” money? | nan |
What drives the value of a stock? [duplicate] | For XOM if you were lucky enough to purchase on 20 Jan 16, at 73.18/share and sold on 15 July at 94.95 you would achieve a 29% return in six months. Awesome. You'd also get a dividend payment or two adding another percentage point per to your returns. The one year chart for FB shows it increasing from ~95/share to ... |
Is the stock market too risky for long term retirement funds? Why should a 20- or 30-something person invest in stocks? | I recommend that people think for themselves and get a multitude of counselors. The more you understand about what drives the prices of various assets, the better. Getting to good advice for a particular person depends on the financial picture for that person. For example, if they have a lot of consumer debt, then th... |
What is a good 5-year plan for a college student with $15k in the bank? | I disagree with the IRA suggestion. Why IRA? You're a student, so probably won't get much tax benefits, so why locking the money for 40 years? You can do the same investments through any broker account as in IRA, but be able to cash out in need. 5 years is long enough term to put in a mutual fund or ETF and expect reas... |
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... |
Open Interest vs Volume for Stock Options | For stock options, where I'm used to seeing these terms: Volume is usually reported per day, whereas open interest is cumulative. In addition, some volume closes positions and some opens positions. For example, if I am long one contract and sell it to someone who was short one contract, then that adds to volume and re... |
Difference between 'split and redemption' of shares and dividend | It is the first time I encounter redemption programme and I would like to know what are my options here You can hold on to the shares and automatically receive 2.25 SEK per share some time after 31-May; depending on how fast the company and its bank process the payouts. Alternatively you can trade in the said window fo... |
What do I do with a P11D Expenses & Benefits form? | The P11D is a record of the total benefits you've received in a tax year that haven't been taxed in another way, a bit like the P60 is a record of the total pay and tax you've paid in a tax year. Note that travel for business purposes shouldn't be taxable, and if that's what's being reported on the P11D you may need to... |
Is my employee stock purchase plan a risk free investment? | Your maximum risk is 100%. If you buy the stock 15% off and your company goes bankrupt tomorrow, you've lost everything. It also sounds like you have foreign exchange risk. One can debate how much risk this is in terms of expected outcomes, but that was not your question. However, if you purchase the company stock and ... |
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 does a limit order work for a credit spread? | As you probably know, a credit spread involves buying a call (or put) at one strike and selling another call (or put) at another with the same maturity, so you're dealing with two orders. Your broker will likely have to fill this order themselves, meaning that they'll have to look at the existing bid/asks for the diffe... |
Calculating savings from mortgage interest deduction vs. standard deduction? | It's true that the standard deduction makes the numbers less impressive. I ran your scenario through my favorite, most complete rent vs buy calculator, and your math isn't far off. However, there are a lot of deductions only available if you itemize. Medical expenses, moving expenses, job expenses, charitable contribut... |
Investing small amounts at regular intervals while minimizing fees? | You could just commingle your funds. That way, she also learns how to keep track of things and how to figure things out, rather just learning to have the guy at the brokerage hand her an account statement which she blindly accepts. It might cause some tax problems though if the money grows to be substantial. |
H&R Block says form 1120 not finalized? IRS won't take it yet? | This form is due March 15. This year, the 15th is Saturday, so the deadline is Monday March 17th. Keep in mind, the software guys would have two choices, wait until every last form is finalized before releasing, or put the software out by late November when 80%+ are good to go. Nothing is broken in this process. Keep... |
How is a relocation fee of more than 40k taxed? | With a $40,000 payment there is a 100% chance that the owner will be claiming this as a business expense on their taxes. The IRS and the state will definitely know about it, and the risk of interest and penalties if it is not claimed as income make the best course of action to see a tax adviser. Because taxes will not... |
What happens if I just don't pay my student loans? | Let me give you some advice from someone who has experience at both ends - had student loan issues myself and parents ran financial aid department at local university. Quick story of my student loan. I graduated in debt and could not pay at first due to having kids way too early. I deferred. Schools will have rules ... |
What's the benefit of buying shares in a wholly owned subsidiary if you own parent company stock? | The parent company is likely to own other assets, which can be badly performing. Spinoffs are typically the better performers. There are also other factors, for example certain big funds cannot invest in sectors like tobacco or defense and for conglomerates it makes sense to spin those assets off to attract a wider inv... |
What should a 21 year old do with £60,000 ($91,356 USD) inheritance? | I assume you've no debt - if you do then pay that off. I'd be tempted to put the money into property. If you look at property prices over the past 20 years or so, you can see returns can be very good. I bought a house in 1998 and sold it in 2003 for about 110% of the purchase price. Disclaimer, past performance is n... |
What emergencies could justify a highly liquid emergency fund? | Visa card expired while on the other side of the world. Visa from other bank declined for suspected fraud. "You should have told us you were going to a country that has lots of fraud." Nearest ATM, twelve kilometers. |
Return on asset (ROA) value for a stock is reported differently on Yahoo Finance and MarketWatch | IESC has a one-time, non-repeatable event in its operating income stream. It magnifies operating income by about a factor of five. It impacts both the numerator and the denominator. Without knowing exactly how the adjustments are made it would take too much work for me to calculate it exactly, but I did get close to... |
Why would parents, of a young adult without dependents, not profit from the young adult's Term Life Insurance? | It is not likely the YA would die in 10 years. Hence the investment the parents make in policy premiums would lose all of its money. Repeat: lose all money. On average, you'll slightly lose with insurance. It's there for peace of mind and to mitigate a catastrophe. It's not an investment. Of course, if the YA is likel... |
What happens to your spouse's sole proprietorship if they die? | For sure you should get a lawyer on this one, but it would seem to me that the simplest path forward would be to convert the business to a partnership where both spouses are owners, and to write a clause into the partnership agreement stipulating what happens upon death of a partner. Such an approach really should be ... |
Borrow money to invest in a business venture with equity? | It's clearly a risk, but is it any different than investing in your own business? Yes, it is different. If you own a business, you determine the path of the business. You determine how much risk the business takes. You can put in extra effort to try to make the business work. You can choose to liquidate to preserve... |
Are capitalization rate and net profit margin the same thing? | Capitalization rate and "Net Profit margin" are two different things. In Capitalization rate note that we are taking the "total value" in the denominator and in Net profit margin we are taking "Revenue/Sales". Capitalization Rate: Capitalization Rate = Yearly Income/Total Value For example (from Investopedia: ) if Ste... |
Newbie question - Brokerage and selling shares | Capital gains tax is an income tax upon your profit from selling investments. Long-term capital gains (investments you have held for more than a year) are taxed significantly less than short-term gains. It doesn't limit how many shares you can sell; it does discourage selling them too quickly after buying. You can bal... |
Walking away from an FHA loan | One additional penalty is you will be put on the CAIVRS ("cavers") for your default on the FHA mortgage which will preclude you from FHA financing in the future. When purchasing the multifamily unit it is an FHA requirement that you occupy one of the units. Lastly, I would advise against FHA due to elevated costs. C... |
When filing a US 1065 as a General Partnership, do we combine our expenditures for a home office? | Your home doesn't belong to the partnership, it belongs to you. So you can (if qualified) deduct home office usage as a business expense on your individual tax return. Same goes to your partner. Similarly any other unreimbursed expense. |
Why do they call them “financial products”? | They are called "financial products" because they are contracts that are "produced" by the financial industry. For example, you could also say that a car manufacturer does not sell you a car, but a contract that will gives you ownership of a car. And, if a contract is a service and not product, in that case a car manuf... |
Does the P/E ratio not apply to bond ETFs? | How would you compute the earnings for governments that are some of the main issuers of bonds and debt? When governments run deficits they would have a negative earnings ratio that makes the calculation quite hard to evaluate. |
Investment Options for 14-year old? | A Junior ISA might be one option if you are eligible do you have a CTF? (child trust fund) though the rules are changing shortly to allow those with CTF's to move to a junior ISA. JISA are yielding about 3.5% at the moment Or as you are so young you could invest in one or two of the big Generalist Investment trusts (W... |
Can we estimate the impact of a large buy order on the share price? | I may be underestimating your knowledge of how exchanges work; if so, I apologize. If not, then I believe the answer is relatively straightforward. Lets say price of a stock at time t1 is 15$ . There are many types of price that an exchange reports to the public (as discussed below); let's say that you're referring t... |
What are pros and cons of volatility trading over directional stock trading | Can't totally agree with that. Volatility trading is just one trading type of many. In my opinion it doesn't depend on whether you are a professional trader or not. As you might have heard, retail traders are said to create 'noise' on the market, mainly due to the fact that they aren't professional in their majority. ... |
Is an Income Mutual Fund a good alternative to a savings account? | The value will certainly fluctuate up and down (but on average gain more than a savings account), but so long as you have enough liquid assets for emergencies, then yes, it's a perfectly good alternative to savings accounts. how risky, in general, are Index Income Funds. How are you defining "risk"? If you mean "probab... |
Borrowing money to buy shares for cashflow? | Maybe a bit off topic, but I suggest reading "Rich Dad Poor Dad" by Robert Kiyosaki. An investment is something that puts money to your pocket. If your properties don't put money to your pocket (and this seems to be the case), then they're not an investment. Instead, they drain money from you pocket. Therefore you shou... |
Applying for and receiving business credit | I'm afraid the great myth of limited liability companies is that all such vehicles have instant access to credit. Limited liability on a company with few physical assets to underwrite the loan, or with insufficient revenue, will usually mean that the owners (or others) will be asked to stand surety on any credit. Howe... |
Pros and cons of bond ETF versus traditional bond mutual fund? | Bond ETFs are just another way to buy a bond mutual fund. An ETF lets you trade mutual fund shares the way you trade stocks, in small share-size increments. The content of this answer applies equally to both stock and bond funds. If you are intending to buy and hold these securities, your main concerns should be purc... |
Safe method of paying for a Gym Membership? | The safest way is to not sign contracts with terms that are onerous to you. |
Please explain the relationship between dividend amount, stock price, and option value? | 1) What's the point of paying a dividend if the stock price automatically decreases? Don't the shareholders just break even? When the company earns cash beyond what is needed for expenses, the value of the firm increases. As a shareholder, you own a piece of that increased value as soon as the company earns it. When ... |
Recent college grad. Down payment on a house or car? | I generally agree with the sentiment in many other answers that $27K is more I would personally spend on a car if I were in your position. Having said that, the following assumes you are already intent on buying that car. Even if you change your mind, I think the general ideas still apply. |
What do these numbers mean? (futures) | The other answer covers the mechanics of how to buy/sell a future contract. You seem however to be under the impression that you can buy the contract at 1,581.90 today and sell at 1,588.85 on expiry date if the index does not move. This is true but there are two important caveats: In other words, it is not the case tha... |
What does the phrase “To make your first million” mean? | I'd interpret it as "Net Worth" reached 1M where "net worth" = assets - liabilities. |
How hard for US customers make payments to non-resident freelancer by wire transfer? | Can you tell me please, is it really hard to make international wire transfer for payment my job and can i resolve this problem without using third party services? This is mostly a barrier, the form at times is quite complicated. For Russia, one has to enter "Purpose of remittance" ... at times select intermediate bank... |
Financing with two mortgages: a thing of the past? | Depends on where we are in the credit cycle. When banks are scared like in 07 to 11, good luck. Now (13), they'll probably start begging you. There are more regulations that prevent it now, but they'll probably be eased as they usually are during good times. If the banks won't help you, private investors might. Just... |
Is insurance worth it if you can afford to replace the item? If not, when is it? | Another factor to consider is that resale value of the laptop is quite bit more if it is still under warranty. This would apply to people who replace their laptop often. It is higher because the purchaser can be assured they are not getting a lemon. I determined this by comparing prices on ebay before selling my comp... |
Capital gains on no-dividend stocks - a theoretical question | Berkshire Hathaway would be a good example of a company that has yet to pay dividends, yet is a highly valued stock. A couple of key points here to note is how on the first hand you have that the dividend policy will never change, yet couldn't one argue that there will always be new investors wanting more shares and th... |
What is the incentive for a bank to refinance a mortgage at a lower rate? | What are you missing? Volume. Bank of America is more than willing to refinance a loan from Wells Fargo as long as the loan is still profitable. There are some caveats with that, though. For one, many land have penalties if they are paid off within two or three years. Additionally, the fact that banks are offering to r... |
Is it possible to improve stock purchase with limit orders accounting for volatility? | If you can afford the cost and risk of 100 shares of stock, then just sell a put option. If you can only afford a few shares, you can still use the information the options market is trying to give you -- see below. A standing limit order to buy a stock is essentially a synthetic short put option position. [1] So deci... |
What effect would currency devaluation have on my investments? | First, a clarification. No assets are immune to inflation, apart from inflation-indexed securities like TIPS or inflation-indexed gilts (well, if held to maturity, these are at least close). Inflation causes a decline in the future purchasing power of a given dollar1 amount, and it certainly doesn't just affect governm... |
Market percentage growth per timeframe | What you are looking for is an indicator called the "Rate of Change (Price)". It provides a rolling % change in the price over the period you have chosen. Below is an example showing a price chart over the last 6 months with a 100 day Rate of Change indicator below the price chart. |
Warren Buffett and Charles Munger advice for small investors? | Warren Buffett: 'Investing Advice For You--And My Wife' (And Other Quotes Of The Week): What I advise here is essentially identical to certain instructions I’ve laid out in my will. One bequest provides that cash will be delivered to a trustee for my wife’s benefit…My advice to the trustee could not be more simpl... |
Why is the stock market closed on the weekend? | There are a number of factors here. 1) It's important that there is human oversight on the system. At one level someone needs to be monitoring the computers that manage the trading to be sure they are functioning. At another level someone needs to be making judgement calls on important but rare events: when you you sus... |
Why can't poor countries just print more money? | Printing money doesn't mean that their wealth increases. It just devalues the money they already have. So it will just take more money to buy goods from another country. Printing money will also lead to over inflation which has its own set of problems such as: |
Can a shareholder be liable in case of bankruptcy of one of the companies he invested in? | Not normally, for a limited liability company anyway. In extreme circumstances a court may "lift the veil" of incorporation and treat shareholders as if they were partners. If you are an office bearer or a director that is found to have breached duties/responsibiities then that is another matter. Dim views can be taken... |
Does gold's value decrease over time due to the fact that it is being continuously mined? | Does gold's value decrease over time due to the fact that it is being continuously mined? Remember that demand increases and decreases - we've had seven years or so of strong demand increase and the corresponding price increase suggests there is a lack of gold coming into the market rather than too much. Also, bear in ... |
When (if) I should consider cashing in (selling) shares to realize capital gains? | You should know when to sell your shares before you buy them. This is most easily done by placing a stop loss conditional order at the same time you place your buy order. There are many ways to determine at what level to place your stop losses at. The easiest is to place a trailing stop loss at a percentage below the h... |
Pay off mortgage or invest in high value saving account | Basically, the easiest way to do this is to chart out the "what-ifs". Applying the amortization formula (see here) using the numbers you supplied and a little guesswork, I calculated an interest rate of 3.75% (which is good) and that you've already made 17 semi-monthly payments (8 and a half months' worth) of $680.04, ... |
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... |
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