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If I own x% of company A, and A buys company B, do I own x% of B? | No, thanks to the principle of corporate personhood. The legal entity (company C) is the owner and parent of the private company (sub S). You and C are separate legal entities, as are C and S. This principle helps to legally insulate the parties for purposes such as liability, torts, taxes, and so forth. If company ... |
Stock market order execution | When you are placing an order with an online broker you should already know what exchange or exchanges that stock trades on. For example if you look up under Yahoo Finance: Notice how News Corp is traded both on the ASX and the Nasdaq. The difference is the shares traded on the ASX have the extension .AX, that is how y... |
Why do stores and manufacturers use mail in rebates? A scam, or is there a way to use them effectively? | It's an effective way to achieve market segmentation without having to ask your customers how rich they are, and you get the benefit of finding out additional information like their address, email etc. The principle is similar to coupons on cereal boxes, anybody can get the rebate/discount if they go to the effort, but... |
What is the valuation of a company based on? | The textbook answer would be "assets-liabilities+present discounted value of all future profit". A&L is usually simple (if a company has an extra $1m in cash, it's worth $1m more; if it has an extra $1m in debt, it's worth $1m less). If a company with ~0 assets and $50k in profit has a $1m valuation, then that implies... |
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? | A lot of good answers, but there’s one more factor: ignorance. The majority haven’t considered it, or considered it and assumed it’s not an option without investigating. PLUS, the widespread myth that every other country is primitive, unhealthy, and dangerous. |
Ideal investments for a recent college grad with very high risk tolerance? | If you're sure you want to go the high risk route: You could consider hot stocks or even bonds for companies/countries with lower credit ratings and higher risk. I think an underrated cost of investing is the tax penalties that you pay when you win if you aren't using a tax advantaged account. For your speculating acco... |
Why do stocks gap up after a buyout is announced? | The "random walk" that you describe reflects the nature of the information flow about the value of a stock. If the flow is just little bits of relatively unimportant information (including information about the broader market and the investor pool), you will get small and seemingly random moves, which may look like a ... |
Would the effects of an anticipated default by a nation be mostly symbolic? | It will affect Greeks as any bankruptcy affects the bankrupt. They already started reducing their welfare policies and government hand-outs. Default would mean that the government isn't able to meet its obligations. It's not only the external obligations, it's also the internal obligations - pensions, social security b... |
When should you use an actively managed mutual fund in a 401k? | By definition, actively managed funds will underperform passive index funds as a whole. Or more specifically: The aggregate performance of all actively managed portfolio of publicly-tradable assets will have equal performance to those of passively managed portfolios. Which taken with premise two: Actively managed funds... |
How does start-up equity end up paying off? | Equity could mean stock options. If that's the case if the company makes it big, you'll have the option to buy stocks cheap (which can then be sold at a huge profit) How are you going to buy those without income? 5% equity is laughable. I'd be looking for 30-40% if not better without salary. Or even better, a salary.... |
Is real (physical) money traded during online trading? | I think you need to define what you mean by "buy currency online using some online forex trading platform" ... In large Fx trades, real money [you mean actual electronic money, as there is not paper that travels these days]... The Fx market is quite wide with all kinds of trades. There are quite a few Fx transactions... |
A guy scammed me, but he gave me a bank account number & routing number. Can I use that to take out what he owes me? | You're potentially in very deep water here. You don't know who this person is that you're dealing with. Before you'd even met him, he just gave you his banking info, seemingly without a second thought. You have no idea what the sources of his money are, so what happens if the money is stolen or otherwise illegal? I... |
When will the U.K. convert to the Euro as an official currency? | A lot of smaller (and/or weaker) countries did not have much choice when Germany and France decided to rename the German Mark as the Euro, as most of their trade was already in Marks. It was even common for their population to have their savings in Marks. So the question was. Do we wish to have to use the Euro wit... |
Can you recommend some good websites/brokers for buying/selling stocks in India? | API wise there's just one at the retail level: Interactive Brokers (India). Brokerage is high though - 3.5 bps for F&O and 5 bps for cash. I've used Sharekhan (good, can get to 2 bps brokerage, trading client software, no API). Also used multiple other brokerages, and am advising a new one, Zerodha http://www.zerodha.... |
Making $100,000 USD per month, no idea what to do with it | I know your "pain". But don't worry about investing the money right now -- leave it uninvested in the short term. You have other stuff you need to school up on. Investment will come, and it's not that hard. In the short term, focus on taxes. Do some "mock" run-throughs of your expected end-of-year taxes (use last ... |
Depositing a check with a DBA on the title | Assuming it's your business, endorse the check as yourself and your DBA name, payable to your personal account |
Is there a way I can get bid/ask price data on the NSE in real time? | Yes apply for live and dynamic data (you may have to pay for this depending on your broker and your country) and look at the market depth. |
Book or web site resources for an absolute beginner to learn about stocks and investing? | There is only one book worth reading in my opinion: One Up on Wall Street. It's short and no other book even comes close to it for honesty, correctness and good sense. Also, it is written by the second most successful investor of all time, Peter Lynch. The Intelligent Investor has some good technical content, but the b... |
What is the true value, i.e. advantages or benefits, of building up equity in your home? | The equity you have is an asset. Locked away until you sell, and sometimes pledged as a loan if you wish. The idea that it's dead money is nonsense, it's a pretty illiquid asset that has the potential for growth (at the rate of inflation or slightly higher, long term) and provides you an annual dividend in the form of ... |
How to split stock earnings? | If he asked you to invest his money with certain objectives which resulted in you buying specific stocks for him with his money, then sell all the stocks which you bought with his money and the capital and profits to him. You may want to calculate the trading fees that you incurred while buying these specific stocks an... |
How does Google Finance calculate the Institution Owned metric for a stock | Institutional ownership has nearly lost all meaning. It used to mean mutual funds, investment banks, etc. Now, it means pension funds, who hold the rest of the equity assets directly, and insiders. Since the vast majority of investors in equity do not hold it directly, "institutions" are approaching 100% ownership on a... |
What does quantitative easing 2 mean for my bank account? | Probably means next to zero chance of having decent rates on savings accounts for the near future - who needs your money if banks can have government money for free? Probably no short-term effects on you besides that. |
what is shareholders' Equity in balance sheets? | Shareholder's Equity consists of two main things: The initial capitalization of the company (when the shares were first sold, plus extra share issues) and retained earnings, which is the amount of money the company has made over and above capitalization, which has not been re-distributed back to shareholders. So yes, i... |
Cost is (maybe) part of basis for two assets | For accounting purposes, consider the costs of acquisition as part of the cost of the asset as opposed to expensing. This will be important to consider if you need to amortise the asset for reporting or tax purposes. Dr. Land $250,000 Dr. Building: $250,000 Cr. Cash $500,000 The acquisition of the land from previous o... |
Where can I buy stocks if I only want to invest a little bit at a time, and not really be involved in trading? | I don't want to get involved in trading chasing immediate profit That is the best part. There is an answer in the other question, where a guy only invested in small amounts and had a big sum by the time he retired. There is good logic in the answer. If you put in lump sum in a single stroke you will get at a single pr... |
Which practice to keep finances after getting married: joint, or separate? | Echoing Justkt, different approaches will work for different couples. It also depends on your background, life experience, age, maturity.... Irrespective of the structure, any agreement must be based on a thorough understanding of the mechanism by which responsibility and accountability is apportioned. As in any finan... |
US taxation of stock purchase plan for non-resident alien | From my research it looks like its an income NOT effectively connected with the trade of business. This page has the exact details https://www.irs.gov/individuals/international-taxpayers/effectively-connected-income-eci |
Are stories of turning a few thousands into millions by trading stocks real? | I did once read a book titled "How I made a million dollars on the stock market". It sounded realistic enough to be a true story. The author made it clear on the first page that (a) this was due to some exceptional circumstances, (b) that he would never again be able to pull off something like this, and (c) you would n... |
Highstreet bank fund, custom ETF or Nutmeg? | And it's only as cheap as 1.78% if you stay with them 10 years! They'd love that. You can kind of tell they really want to lock you in for over 4 years. I also think it's daylight robbery, but as a self execution investor I tend to have to talk myself out of that belief by default to be fair. One can wonder too, why ar... |
How does the U.S. wash sale replacement stock rule work? | Edited: Pub 550 says 30 days before or after so the example is ok - but still a gain by average share basis. On sale your basis is likely defaulted to "average price" (in the example 9.67 so there was a gain selling at 10), but can be named shares at your election to your brokerage, and supported by record keeping. A... |
How to realize capital gains before going from non-resident alien to resident alien in USA | Is this possible and will it have the intended effect? From the US tax perspective, it most definitely is and will. Is my plan not very similar to Wash Sale? Yes, except that wash sale rules apply for losses, not gains. In any case, since you're not a US tax resident, the US wash sale rules won't apply to you. |
trailing stop loss in slow price decline | The price doesn't have to drop 5% in one go to activate your order. The trailing aspect simply means your sell trigger price will increase if the current value increases (it will never decrease). |
Is it possible to know the probability that a trade is successful? | No. Like Keshlam said, unless you have a crystal ball there is no sure thing. However based on the things you said in your question, you could be better off doing some back testing. With your findings, you can then set up trades in your favor but again it's not 100%. You may also want to check out quant finance stackex... |
How do I hedge stock options like market makers do? | How do option market makers actually hedge their positions so that they do not have a price risk? You cannot complete hedge away price risk of a sold call simply by buying the underlying and waiting. As the price of the underlying decreases, the "Delta" (price risk) decreases, so as the underlying decreases, you would... |
Buying a house 50/50 | This question is really a variation of rent vs buy. Try looking at it this way - If you bought it 50/50 and rented it out, what would you both get? Now, moved in, you are effectively collecting that rent, but half is your own money, half is from the partner. Is the half you are getting the from the partner equal to 1... |
How can I find a report of dividend earned in a FY? | Log in to kotak securities demat account. THere, you can find statement of your sell purchase and dividend received. |
How does a public company issue new shares without diluting the value held by existing shareholders? | Unissued capital is only a token restriction. When a company is incorporated a maximum number of shares is specified in the legal documentation. Most companies will make this an extremely large number so they never face that limitation. See here. You wouldn't necessarily expect the stock price to change. The reason a ... |
How can I find a list of self-select stocks & shares ISA providers? | My go-to response whenever anyone asks me this is the Monevator table of platform fees. It looks a little complicated at first, but scroll past the table for a couple of paragraphs of useful info to help narrow down your search. The general tone of the page is geared more towards investors in index funds, but the fees ... |
Is it possible to create a self-managed superannuation fund to act as a mortage offset? (Australia) | You can set up a Self Managed Super Fund (SMSF) and use it to buy residential investment property, and as Justin has mentioned even borrow to acquire the investment property through the SMSF. However, you cannot hold your home in the SMSF, as this would be classed as an in-house asset, and you are only allowed to hold... |
Why does the share price tend to fall if a company's profits decrease, yet remain positive? | It has got to do with market perceptions and expectation and the perceived future prospects of the company. Usually the expectation of a company's results are already priced into the share price, so if the results deviate from these expectations, the share price can move up or down respectfully. For example, many times... |
Does the common advice about diversification still hold in times of distress | The common advice you mentioned is just a guideline and has little to do with how your portfolio would look like when you construct it. In order to diversify you would be using correlations and some common sense. Recall the recent global financial crisis, ones of the first to crash were AAA-rated CDO's, stocks and so o... |
Is my wash sale being calculated incorrectly? | You add the wash sale loss to your cost basis for the other transaction so you would have two entries in your schedule d reporting 1.) Listing the $2000 loss as a wash 2.) The cost basis for your second transaction is thus $1000+$2000 = $3000 so when it was sold for $2000 you now have a reportable loss of $1000. For mo... |
Should I switch/rollover my IRA to a Gold IRA at Regal Assets? | Advantages of Gold IRA (regardless of where you're holding it): Disadvantages of Gold IRA: Instead, you can invest in trust funds like SLV (The ETF for silver) or GLD in your regular brokerage IRA. These funds negotiate their prices of storage, are relatively liquid, and shield you from the dangers of owning physical m... |
Why does it matter if a Central Bank has a negative rather than 0% interest rate? | That is kind of the point, one of the hopes is that it incentivizes banks to stop storing money and start injecting it into the economy themselves. Compared to the European Central Bank investing directly into the economy the way the US central bank has been doing. (The Federal Reserve buying mortgage backed securities... |
How to help a financially self destructive person? | I learned this from a business book on managing people, but I think it applies equally well here. You can't put in what God left out of people. I know several people with this mentality about money and you simply have to make your sculpture out of the clay you have. In this case, however, it seems that ship has saile... |
Would it make sense to sell a stock, then repurchase it for tax purposes? | What you're talking about is called "tax gain harvesting," and it is considered good tax management. From The Oblivious Investor, investors in the 10% or 15% bracket pay 0% tax on long-term capital gains. For an interesting take on never paying income taxes again, check out Go Curry Cracker. You can claim up to $70,000... |
Do I have to pay the internet installation charges for my home's company internet? | It appears so. I suppose you could try saying that you don't want to pay for it and won't have Internet installed, but that could be detrimental to your career. There is no law that says your company has to pay for your Internet unless you have some kind of contract with them that says you will. If anything, your best ... |
I thought student loans didn't have interest, or at least very low interest? [UK] | If I recall correctly, the pay schedule is such that you initially pay mostly interest. As James Roth suggests, look at the terms of the loan, specifically the payment schedule. It should detail how much is being applied to interest and how much to the actual balance. |
How to invest with a low net worth | I'm of the opinion that speculating is for young people like you, because they can afford to lose it all. Avoiding losses becomes necessary once you have to sustain a family, and manage a somewhat large retirement funds. Even if you lose all your money when speculating, you'll probably be better off later, because you ... |
Am I understanding buying options on stock correctly | Options have legitimate uses as a way of hedging a bet, but in the hands of anyone but an expert they're gambling, not investing. They are EXTREMELY volatile compared to normal stocks, and are one of the best ways to lose your shirt in the stock market yet invented. How options actually work is that you're negotiating ... |
Why is property investment good if properties de-valuate over time? | Properties do in fact devaluate every year for several reasons. One of the reasons is that an old property is not the state of the art and cannot therefore compete with the newest properties, e.g. energy efficiency may be outdated. Second reason is that the property becomes older and thus it is more likely that it requ... |
Why is Net Asset Value (NAV) only reported by funds, but not stocks? | Nobody tracks a single company's net assets on a daily basis, and stock prices are almost never derived directly from their assets (otherwise there would be no concept of 'growth stocks'). Stocks trade on the presumed current value of future positive cash flow, not on the value of their assets alone. Funds are totally... |
How are long-term/short-term capital gains tax calculated on restricted stock? | Is the Grant Date or the Vest Date used when determining the 12-month cutoff for long-term and short-term capital gains? You don't actually acquire the stock until it's vested, so that is the date and price used to determine your cost basis and short-term/long-term gain/loss. The grant date really has no tax bearing. ... |
My investment account is increasingly and significantly underperforming vs. the S&P 500. What should I do? | absolutely $SPY ETF is the way to go if your point of comparison is the S&P and you want to do low maintenance. |
Where should I park my money if I'm pessimistic about the economy and I think there will be high inflation? | For diversification against local currency's inflation, you have fundamentally 3 options: Depending on how sure you are on your prediction, and what amount of money you're willing to bet to "short the country", you might also consider a mix of approaches from the above. Good luck. |
Can I get a discount on merchandise by paying with cash instead of credit? | I bought a car a few years ago. The salesman had the order, I knew the car I wanted and we had a price agreed on. When I refused the payment plan/loan, his manager came over and did a hard sell. "99% of buyers take the financing" was the best he could do. I told him I was going to be part of the 1%. With rates so low, ... |
Mortgage or not? | A primary residence can be an admirable investment/retirement vehicle for a number of reasons. The tax savings on the mortgage are negligible compared to these. A $200,000 mortgage might result in a $2000 annual savings on your taxes -- but a $350,000 house might easily appreciate $20,000 (tax free!) in a good year. S... |
Someone asks you to co-sign a loan. How to reject & say “no” nicely or politely? | No, I don't mix business and personal affairs. |
Why is OkPay not allowed in the United States? | The U.S. requires money transfer services to be licensed under 31 USC 5330 in addition to any applicable laws at the state level. According to multiple sources online, including the thread referenced by MD-Tech's answer, OkPay either cannot or will not get a license, so they are out. I dug on this a bit more because I... |
Can someone explain a stock's “bid” vs. “ask” price relative to “current” price? | As others have stated, the current price is simply the last price at which the security traded. For any given tick, however, there are many bid-ask prices because securities can trade on multiple exchanges and between many agents on a single exchange. This is true for both types of exchanges that Chris mentioned in his... |
What is the best credit card for someone with no credit history | Capital One's normal master card is known to approve people with limited or bad credit history. If not that look into a secured credit card. You put down a deposit of $200 or more and you get that much in credit, sometimes more. |
How to get the lowest mortgage rate on a new purchase? | Purchase loans tend to be more challenging to get the best possible rate, because you have to balance closing the loan and getting the contract. So there isn't as much time to shop around as when you do a refinance. I disagree with the sentiment to go with your local bank. Nothing wrong with asking at your local bank ... |
Are long-term bonds risky assets? | AAA bonds are safe, as far as the principal goes. If you buy long term bonds today (at very low rates) and the interest rate goes up to 10% in 5 years, the current value of the bonds will decrease. But if you hold the bonds till maturity, you will almost certainly (barring MBS scenarios) get the expected principal and ... |
If a stock doesn't pay dividends, then why is the stock worth anything? | It's important to remember what a share is. It's a tiny portion of ownership of a company. Let's pretend we're talking about shares in a manufacturing company. The company has one million shares on its register. You own one thousand of them. That means that you own 1/1000th of the company. These shares are valued b... |
Why would you elect to apply a refund to next year's tax bill? | If you expect your taxes to be higher next year, it saves you the trouble of sending estimates or changing the withholding levels. But yes, its basically a free loan you're giving to the government. |
Should I remodel or buy a bigger house? | After a 6% commission to sell, you have $80K in equity. 20% down on a $400K house. 5% down will likely cost you PMI, and I don't know that you'll ever see a 3.14% rate. The realtor may very well have knowledge of the cost to finish a basement, but I don't ask my doctor for tax advice, and I'd not ask a realtor for co... |
Incorporating real-world parameters into simulated(paper) trading | I think you're on the wrong track. Getting more and more samples from the real world does not make your backtest more accurate, it just confirms that your strategy can withstand one particular sample path of a stochastic process. The reason why you find it simple to incorporate fees, commissions, taxes, etc. is becaus... |
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... |
How does a preferred share “Annual Concurrent Retraction Privilege” work? | A retraction privilege is a right extended to the shareholder that allows such shareholder to demand repayment of the principal. If one exercises the right to retract, the shares are exchanged for principal plus a sweetener and/or less a penalty. The requirement to provided matched shares means that the shares purchase... |
The best credit card for people who pay their balance off every month | For people who are already a Costco member. The American Express TrueEarnings Business Card is a good choice. Note: If you don't own a business, just use your name as the business. The business card is better than the regular TrueEarnings card. Pros: |
Opening and funding an IRA in three days - is this feasible? | Some banks and credit unions have IRA accounts. They pay interest like a savings account or a CD but they are an IRA. After the 15th you can roll them over into a IRA at one of the big investment companies so you can get invest in an index or Target Retirement Fund. But it is not too late. Opening an account at one of ... |
What is inflation? | Inflation is basically this: Over time, prices go up! I will now address the 3 points you have listed. Suppose over a period of 10 years, prices have doubled. Now suppose 10 years ago I earned $100 and bought a nice pair of shoes. Now today because prices have doubled I would have to earn $200 in order to afford the... |
How can I remove the movement of the stock market as a whole from the movement in price of an individual share? | I use StockCharts for spread charting. To take your question as an example, here is the chart of Apple against Nasdaq. |
Buy index mutual fund or build my own? | Go with a Vanguard ETF. I had a lengthy discussion with a successful broker who runs a firm in Chicago. He boiled all of finance down to Vanguard ETF and start saving with a roth IRA. 20 years of psychology research shows that there's a .01 correlation (that's 1/100 of 1%) of stock/mutual fund performance to predictio... |
Can I claim GST/HST Input Tax Credits (ITCs) on Uber, taxi, or limousine fares? | Apparently Canadians have not been paying any tax on Uber rides, and will only begin to do so on July 1, 2017. Source: http://mobilesyrup.com/2017/03/22/uber-canada-gst-hst-budget-2017/ |
To pay off a student loan, should I save up a lump sum payoff payment or pay extra each month? | Just one more thing to consider: a friend of mine had some student loan debt left over from graduate school. Years later, through his employer, he was able to apply for and receive a grant that paid off the remainder of his student loan. It was literally free money, and a significant amount, too. The windfall was a lit... |
Will I be paid dividends if I own shares? | Yes, as long as you own the shares before the ex-dividend date you will get the dividends. Depending on your instructions to your broker, you can receive cash dividends or you can have the dividends reinvested in more shares of the company. There are specific Dividend ReInvestment Plans (or DRIPs) if you are after stoc... |
Would it be considered appropriate to use a market order for my very first stock trade? | Obvious answer but the limit order should be set at the price that you are willing to pay :). More usefully, if you want a decent chance of the order filling in short notice you should place the order one price tick above the current highest buyer (bid price). As long as high frequency trading remains alive I would adv... |
I carelessly invested in a stock on a spike near the peak price. How can I salvage my investment? | Basically, your question boils down to this: Where and how do I squeeze the stock market so that within time period X, it will make me Y dollars. (Where I'm emotionally attached to the Y figure because I recently lost it, and X is "as soon as possible".) To make money on the stock market (in a quasi-guaranteed way), yo... |
Previous owner of my home wants to buy it back but the property's value is less than my loan… what to do? | It's a short sale. See these for good overviews: http://www.realtor.org/library/library/fg335 http://homebuying.about.com/od/4closureshortsales/a/shortsalebasics.htm You'll want input from your lawyer and accountant (assuming the lender says they would accept such a sale). Best of luck - sounds like this could be a gr... |
If a stock doesn't pay dividends, then why is the stock worth anything? | If so, then if company A never pays dividends to its shareholders, then what is the point of owning company A's stock? The stock itself can go up in price. This is not necessarily pure speculation either, the company could just reinvest the profits and grow. Since you own part of a company, your share would also increa... |
Why can't house prices be out of tune with salaries | The big problem with your argument is the 10% per year figure, because in the long term (especially if adjusted for inflation) the prices have not been going up nearly that fast. Here is a site with some nice graphs for prices over the last 40 years, and it's pretty clear to see that pretty much just what you were talk... |
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... |
Why are for-a-fee wires faster than 2+ day free ACH | ACH transfers are the evolution of paper check clearing houses. Transactions are conducted in bulk and do not immediately settle -- the drawer and drawee still retain liability for a period of days or weeks after the transaction date. (I'd suggest looking to the legal definition of a check or draft to understand this b... |
At what point is it most advantageous to cease depositing into a 401k? | The only time to stop saving money for retirement is when you have enough money to retire tomorrow. Not all of your "retirement savings" need to be in a 401k, it is just better if you can. Be sure to get as much as you can from the employer matching program. Unfortunately some employer matching programs discourage you... |
Is there any online personal finance software without online banking? | Out Of The Dark OOTD is a budgeting and personal money management web app that does not require you to give out access to your bank accounts or even your personal identity. It's a great tool for people with no financial experience with features like Cash Put-Aside and the Credit Card Debt Terminator and it has tons of... |
How to interpret a 1,372.55% dividend payout ratio (GSK)? | I don't think it makes sense to allow accounting numbers that you are not sure how to interpret as being a sell sign. If you know why the numbers are weird and you feel that the reason for it bodes ill about the future, and if you think there's a reason this has not been accounted for by the market, then you might thi... |
Ways to invest my saved money in Germany in a halal way? | The UK has Islamic banks. I don't know whether Germany has the same or not (with a quick search I can find articles stating intentions to establish one, but not the results). Even if there's none in Germany, I assume that with some difficulty you could use banks elsewhere in the EU and even non-Euro-denominated. I can'... |
File bankruptcy, consolidate, or other options? | A couple of thoughts from someone who's kind of been there... Is the business viable at all? A lot of people do miss the jumping-off point where the should stop throwing good money after bad and just pull the plug on the business. If the business is not that viable, then selling it might not be an option. If the busine... |
What's the point of a chargeback when they just ask the merchant whether they owe money to the buyer? | You may be using the wrong method to get your money back. As others have said, this is not a valid use for chargeback; that is when a fraudulent charge occurred, or when a merchant charges you incorrectly. However, many cards have various kinds of guarantees, one of which might cover this situation. Particularly in so... |
Is it better for a public company to increase its dividends, or institute a share buyback? | I would prefer a dividend paying company, rather than share appreciation. And I would prefer that the dividends increase over time. |
Why is it rational to pay out a dividend? | Actually, share holder value is is better maximised by borrowing, and paying dividends is fairly irrelevant but a natural phase on a mature and stable company. Company finance is generally a balance between borrowing, and money raised from shares. It should be self evident with a little thought that if not now, then in... |
If I have a home loan preapproval letter for x, can the seller know this without me explicitely telling them? | I will preface saying that I only have personal experience to go on (purchased home in KS earlier this year, and have purchased/sold a home in AR). You do not give the seller the document stating the amount you have been approved for. Your real estate agent (I recommend having one if you don't) will want to see it to m... |
Return on asset (ROA) value for a stock is reported differently on Yahoo Finance and MarketWatch | Why there is this huge difference? I am not able to reconcile Yahoo's answer of 5.75%, even using their definition for ROA of: Return on Assets Formula: Earnings from Continuing Operations / Average Total Equity This ratio shows percentage of Returns to Total Assets of the company. This is a useful measure in analyzi... |
Which technical analysis indicators are considered leading stock market indicators? | Relative Strength Indicators are also trailing indicators. They are based on the number of recent upticks or downticks in an investment's price. (The size of a tick is quantized, and related to the investment's price.) By the time enough upticks have accumulated to generate a buy signal, the investment has already i... |
Receive money from US Client to Myself in India by selling services | Depending on how tech savvy your client is you could potentially use bitcoin. There is some take of indian regulators stopping bitcoin exchanges, meaning it might be hard to get your money out in your local country but the lack of fees to transfer and not getting killed on the exchange rate every time has a huge impact... |
How can small children contribute to the “family economy”? | Another suggestion I heard on the radio was to give the child the difference between the name brand they want, and the store brand they settle on. Then that money can be accumulated as savings. Saving money is as important a feature of the family economy as earning money. Be careful with what you have a child do for r... |
Can my own corporation deduct my expenses even if I am a full time employee? | No, your business cannot deduct your non-business expenses. You can only deduct from your business income those reasonable expenses you paid in order to earn income for the business. Moreover, for there to be a tax benefit, your business generally has to have income (but I expect there are exceptions; HST input tax cr... |
Friend was brainwashed by MLM-/ponzi investment scam. What can I do? | Your friend is investing time & money in a business that does not list an address or phone number on its website, not even in its 'press kit'. Even when they make a press release about moving into a new building, it does not list the address or even the street! C'mon, this is obviously a scam. No real business acts li... |
Hearing much about Dave Ramsey. Which of his works is best in describing his “philosophy” about money? | Actually, Trent Hamm of The Simple Dollar, wrote a "book club" series that basically reads like cliff notes for Dave's The Total Money Makeover starting with this blog post. So that might be a really good place to start. Also of note is Trent's Article "Five Ways I Disagree With Dave Ramsey". |
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