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Why invest in becoming a landlord? | Let me add a few thoughts that have not been mentioned so far in the other answers. Note that for the decision of buying vs. renting a home i.e. for personal use, not for renting out there's a rule of thumb that if the price for buying is more than 20 year's (cold) rents it is considered rather expensive. I don't know... |
Is being a landlord a good idea? Is there a lot of risk? | Risk is the capital you have staked in pursuit of profit. The danger is that you lose what you have risked. For some bets (risks), you can get insurance to cover for losses. Now the "game" of Landlord and Tenant requires you to play fully by the rules set forth by your legislators. In your case, that is the legislato... |
Is Pension Benefit Information (aboutmyletter.com) legitimate? | I have no personal knowledge of this company; I've only looked over what I found on the web. Overall, my judgement is that Pension Benefit Information, Inc. of San Rafael, CA is likely legitimate and aboutmyletter.com is one of two sites run by them (the other being pbinfo.com). These two sites are registered to Pensi... |
Limited Liability Partnership capital calculation | Retained earnings is different from partner capital accounts. You can draw the money however the partners agree. Unless money is specifically transferred to the capital funds, earnings will not show up there. |
If accepting more than $10K in cash for a used boat, should I worry about counterfeiting? | I'd not do business under these terms. A bill of sale needs a signature, right? Your signature is your word, and your word is your bond. I wouldn't participate in such a fraud, nor would I accept this sum of cash, who knows its origins? |
Recommendation for learning fundamental analysis? | Below is just a little information on this topic from my small unique book "The small stock trader": The most significant non-company-specific factor affecting stock price is the market sentiment, while the most significant company-specific factor is the earning power of the company. Perhaps it would be safe to say th... |
Stock options: what happens if I leave a company and then an acquisition is finalized? | Having stock options means that you have worked for and rightfully earned a part of the company's capital appreciation. Takeover of the company would indicate someone is interested in the company (something should be valuable). It would be unwise to not strike before the period lapses since the strike price is always l... |
How did this day trader lose so much? | Learn something new every day... I found this interesting and thought I'd throw my 2c in. Good description (I hope) from Short Selling: What is Short Selling First, let's describe what short selling means when you purchase shares of stock. In purchasing stocks, you buy a piece of ownership in the company. You buy/sell ... |
Importance of dividend yield when evaluating a stock? | The dividend yield can be used to compare a stock to other forms of investments that generate income to the investor - such as bonds. I could purchase a stock that pays out a certain dividend yield or purchase a bond that pays out a certain interest. Of course, there are many other variables to consider in addition t... |
How risky is it to keep my emergency fund in stocks? | I do this very thing, but with asset allocation and risk parity in mind. I disagree with the cash or bust answers above, but many of the aforementioned facts are valuable and I don't mean to undermine them in anyway. That said, let's look at two examples: Option 1: All-in For the sake of argument let's say you had $100... |
Does a growing economy mean the economy is becoming less efficient? | Growth and efficiency can occur independently of each other. For instance, if an economy consists of one inefficient business and then a second more efficient business opens to compete agains the first the overall efficiency increases while the economy grows. New industries tend to be inefficient at the beginning (sin... |
Small investing for spending money? | The existing answers are good, I justed wanted to provide a simpler answer to your question: Would I be able to invest this in a reasonable way that it would provide me with say $200 spending money per month over the school year? No. There is no way to invest $10,000 to reliably get $200 every month. Any way that you ... |
Will Indian young ones lose 18% of their EPF with new tax as per Budget 2016? | Are these calculations correct? These are approximate calculations and are with the assumption that entire corpus will be taxed. The assumption was valid as the wording in the budget speech was not very clear. Subsequently the finance ministry has clarified that only interest generated will be taxed and not the contrib... |
What are the pros and cons of buying a house just to rent it out? | You should absolutely go for it, and I encourage you to look for multi-unit (up to 4) properties if there are any in your area. With nulti-unit properties it is far more common than not that the other units pay the mortgage. To comment on your point about slowly building an asset if the renter covers the payment; that... |
How to spend more? (AKA, how to avoid being a miser) | Maybe minimalism is an option for you. Make your self clear what you really want You only buy what you really need and for that you spend the money. Then there is no point of saving money, i.e. I for example like to invite friends and cook them some fancy diner with expensive products, but the value I get from that exc... |
Oh, hail. Totaled car, confused about buy-back options | It seems like there are a few different things going on here because there are multiple parties involved with different interests. The car loan almost surely has the car itself as collateral, so, if you stop paying, the bank can claim the car to cover their costs. Since your car is now totaled, however, that collater... |
When buying a call option, is the financial stability of the option writer relevant? | Exchange traded options are issued in a way that there is no counter party risk. Consider, stocks and options are held in street name. So, for example, if I am short and you are long shares, no matter what happens on my end, your shares are yours. To be complete, it's possible to enter into a direct deal, where you h... |
Should I sell my stocks when the stock hits a 52-week high in order to “Buy Low, Sell High”? | Buy low, sell high. I think a lot of people apply that advice wrongly. Instead of using this as advice about when to buy and when to sell, you should use it as advice about when not to buy and when not to sell. Don't buy when P/Es cannot support the current stock price. Don't sell when stocks have already fallen due to... |
How many days does Bank of America need to clear a bill pay check | This just happened to me with a Wells Fargo Bill Pay check. WF put a stop payment on the check. The money was taken out of my account immediately yet it is going to take 3-5 days to reappear in the account. I question these banking practices. Georgia Bank and Trust Company of GA does not do this. The Bill Pay check... |
Why are taxes on actively managed funds higher than those on index funds? | This depends on the particular index, of course. Capital gains taxes occur when stock is sold (for a profit). This occurs less frequently in an index fund: Where an active manager frequently buys and sells stocks (after all, he wants to be active :-) ), the index fund only sells stocks when the particular stock leaves ... |
Child is on the way, invest for college and car fund options - opinions | Look at your options with a 529 program. If the money is used for education expenses: that currently includes tuition, room & board (even if living off campus), books, transportation; it grows tax free. Earnings are not subject to federal tax and generally not subject to state tax when used for the qualified educatio... |
How to use proceeds of old house sale shortly after buying new house? | Really this is no different from any kind of large lump sum and having a mortgage. There are probably many questions and answers on this subject. It really doesn't matter that the proceeds were the result of a sale, an inheritance would not change the answer. I think it is important to note that the proceeds will not... |
Nanny taxes and payroll service | For Federal Return, Schedule H and its Instructions are a great start. You are the nanny's employer, and are responsible for FICA (social security and medicare) withholding, and also paying the employer portion. You will offer her a W4 so she can tell you how much federal and state tax to withhold. You'll use Circula... |
Are Index Funds really as good as “experts” claim? | The point of buying an index fund is that you don't have to pick winners. As long as the winners are included in the index fund (which can include far more than 500 stocks), you benefit on average because of overall upward historical market performance. Picking only the top 50 capitalized stocks in the S&P 500 does not... |
What is a mutual fund? | The simple answer is: YES, the JP Morgan emerging markets equity fund is a mutual fund. A mutual fund is a pooling of money from investors to invest in stocks and bonds. Investors in mutual funds arrive there in different ways. Some get there via their company 401K, others by an IRA, still others as a taxable account. ... |
Value of a call option spread | On expiry, with the underlying share price at $46, we have : You ask : How come they substract 600-100. Why ? Because you have sold the $45 call to open you position, you must now buy it back to close your position. This will cost you $100, so you are debited for $100 and this debit is being represented as a negative... |
Strategies for putting away money for a child's future (college, etc.)? | I know this is a little off the wall but I bought a rental property for my son's tuition. The tenants pay down the mortgage for the next 12 years and it (hopefully) also appreciates in value. Worst case scenario is I come out with a rental and a kid with no education. He doesn't go then there's no skin off my back. |
Shorting versus selling to hedge risk | The word 'hedge' emerges from early agriculture when farmers would ask the market for a minimum buy price for each crop they planted. They used this method to stop loss against any major losses. Investors today use this strategy when they are unsure of what the market will do. A perfect hedge reduces your risk to noth... |
Why do people take out life insurance on their children? Should I take out a policy on my child? | Why do people take out life insurance on their children? They do so largely because it's being sold to them. The insurance companies generally push them on the basis that if you have to pay for a funeral and burial, the cost would devastate a family's finances. In some rare instances that might actually be true, but ... |
If one owns 75% of company shares, does that mean that he would have to take upon himself 75% of the company's expenses? | It depends on the business entity. If the entity is a sole proprietorship or a general partnership, the individual are considered to be the business. There are no shares, and so yes, the owner would have to take on 75% of the expenses. For example, in the event of a lawsuit, if the claimant were awarded $1,000,000, the... |
Why is the dominant investing advice for individuals to use mutual funds, exchanged traded funds (ETFs), etc | Cost. If an investor wanted to diversify his portfolio by investing in the companies that make up the S&P 500, the per-share and commission costs to individually place trades for each and every one of those companies would be prohibitive. I can buy one share of an exchange-traded fund that tracks the S&P 500 for less ... |
Are 'no interest if paid in in x months' credit cards worth it? | I too am a full-monthly-statement-balance payer and I received a balance transfer offer from my credit-card company. This one was quite different from many others that I have read about on this forum. I could do a balance transfer for any amount up to $X from another credit card, or use the enclosed "checks" to pay so... |
What rules govern when a new option series is issued? | Without researching the securities in question I couldn't tell you which cycle each is in, but your answer is that they have different expiration cycles. The following definition is from the CBOE website; "Expiration cycle An expiration cycle relates to the dates on which options on a particular underlying security exp... |
Does Joel Greenblatt's “Magic Formula Investing” really beat the market? | While it is true that this formula may have historically outperformed the market you have to keep one important thing in mind: once the formula is out in the open, the market inefficiency will disappear. Here is what I mean. Historically there have always been various inefficiencies in the market structure. Some people... |
Filing taxes on stocks | Generally stock trades will require an additional Capital Gains and Losses form included with a 1040, known as Schedule D (summary) and Schedule D-1 (itemized). That year I believe the maximum declarable Capital loss was $3000--the rest could carry over to future years. The purchase date/year only matters insofar as t... |
Asset protection: When should an individual seriously consider shielding their assets? | If your meaning of "asset protection" is buying gold and canned food in the name of a Nevada LLC because some radio guy said so, bad idea. For a person, if you have assets, buy appropriate liability limits with your homeowner/renter insurance policy or purchase an "umbrella" liability policy. This type of insurance is ... |
First time home buyer. How to negotiate price? | Well it all kind of depends. The Realtor is your pro, and you should communicate further with him. Is this a neighborhood on the decline? Is there a good reason to make such a low offer? Are you totally off base when you think 85K is fair, and if so why? Is he just working his tail off for you (a great thing)? On... |
Should I pay my Education Loan or Put it in the Stock Market? | For the sake of sanity, pay off your debt maybe not all but some part of it. You never know what the monster, the stock market may turn out to be. It may gobble up all your money without belching or it may gift you with a bounty. But if you pay off all your debt and the stock market monster is rewarding everybody else,... |
Options on the E-mini S&P 500 Futures at the CME: when were EW3, the weekly Monday options and the weekly Wednesday options introduced? | Why do you care? In any case, you can easily Google the answer... Effective Sunday, April 2, 2017 for trade date Monday, April 3, 2017, and pending all relevant CFTC regulatory review periods, Chicago Mercantile Exchange Inc. (“CME” or “Exchange”) will list Monday Weekly Options on the E-mini Standard and Poor’s St... |
Shorting: What if you can't find lenders? | Your question has 6 questions marks along with comments on what you'd like to know. Yes, there are stocks that are tough to short, a combination of low float, high current short positions, etc. Interest charged on the position rises in a supply/demand fashion. To unwind the position, there's always going to be stock ... |
Buying my first car out of college | I agree with the consensus as far as getting a cheaper car, paying with cash, getting a more fuel efficient car, etc. But I'd like to point out, you should make sure you really need a car at all. I ride a bike to work! If I need a car, I can use Zipcar or City Car Share or borrow a friend's car, rent a car, take the... |
Does working in finance firms improve a person's finance knowledge? | Depends on what work you're doing. If you aren't doing a job which involves working with and understanding the data, probably not. |
Family suggests my first real estate. Advice? | Living in one unit of a multi-family while renting out the others, although not without its risks, can be a viable (if gradual) way to build wealth. It's been rebranded recently as "house hacking", but the underlying mechanics have been around for many years (many cities in the Northeast in particular remain chock full... |
I received $1000 and was asked to send it back. How was this scam meant to work? | I would have asked for the intended recipient's account number and pursue sending the money there. If it's the same as yours (except for one digit) that would be a good sign. But even here, the crook could send money to dozens of different accounts, all off by one digit, just to make it look authentic. I'm going with s... |
Should I always pay my credit at the last day possible to maximize my savings interest? | To avoid nitpicks, i state up front that this answer is applicable to the US; Europeans, Asians, Canadians, etc may well have quite different systems and rules. You have nothing to worry about if you pay off your credit-card statement in full on the day it is due in timely fashion. On the other hand, if you routinely ... |
What could be the harm in sharing my American Express statements online? | Call me overly paranoid, but letting unknown people know your charges and your personal information is asking for trouble. They know who you are and how to find you and how much money you typically make. If they are decent people - okay, but otherwise they have good ground for comitting a crime against you - blackmail ... |
Condo Purchase - Tax Strategies [US] | You will need to see a tax expert. Your edited question includes the line For the short term, we will be "renting" it to my wife's grandmother at a deep discount. According to the instructions for schedule E If you rented out a dwelling unit that you also used for personal purposes during the year, you may not be abl... |
How to evaluate growth stocks | A classic text on growth stock picking is Common Stock and Uncommon Profits By Philip Fisher, with a 15 point checklist. Here is a summary of the list that you can check out. |
How can I save on closing costs when buying a home? | As a buyer, one of the easiest ways to save on closing costs is to avoid title insurance. This will only apply if you are a cash buyer, as a mortgage writer will typically require title insurance. It is also one of the most ill-advised ways to save money. You need title insurance. For the most part, there is real... |
Buying from an aggressive salesperson | I often spend weeks or months (and sometimes even years) deciding whether to buy something. Certainly the dealer should recognize you by now if you take a third opportunity to look at the same instrument. You could politely remind him that you've twice declined his excellent prices. From there you can assert that you w... |
How to mitigate the risk of Euro Stoxx 50 ETF? | You could go with either of: Choosing this you'd pretty much have minimized your risk by using the whole world asa market. |
Non-qualified Savings Plan vs. 401(k) for Highly Compensated Employee | Also, in (5), is it considered unpaid wages? Because that's pretty high on the bankruptcy hierarchy. No. It is near the bottom, in with unsecured debt. If you have access to the plan documents, see if the plan has the phrase "rabbi trust" anywhere in it. This means that the money is not kept comingled with the corpora... |
Whats the difference between a qualified and an unqualified covered call? | Yes, as long as you write a call against your stock with a strike price greater than or equal to the previous day's closing price, with 30 or more days till experation there will be no effect on the holding period of your stock. Like you mentioned, unqualified covered calls suspend the holding period of your stock. Fo... |
Expense ratio of an ETF included in the price or calculated separately | The expense ratio reduces the return of the ETF; your scenario of paying 100.0015 is that of a load. Most (all?) ETFs can be bought without paying a load (sales charge as a percent of amount invested), and some ETFs can be bought without paying a brokerage fee (fixed or variable charge for a buy transaction just like ... |
What is the value in using the “split transaction” feature present in some personal finance management tools? | Split transactions are indispensable to anybody interested in accurately tracking their spending. If I go to the big-box pharmacy down the road to pick up a prescription and then also grab a loaf of bread and a jug of milk while there, then I'd want to enter the transaction into my software as: I desire entering precis... |
Transfer of stock of non-public company after vesting | If the company is non-public, your hands are tied. Most startups have a Stock Option Plan with specific rules on the shares. In almost all cases, they have a Transferability clause preventing transfers of options and shares unless approved by the company (who would almost always say no). Additionally, they usually have... |
How will the New credit reporting rules affect people who are already struggling financially? | From my understanding by paying your bills more than 5 days late will not lead you into bankruptcy or stop you from getting a new loan in the future, however it may mean that lenders offer you credit at a higher interest rate. This of course would not help you as you are already struggling with your finances. However, ... |
Historical stock prices: Where to find free / low cost data for offline analysis? | Go to http://finance.google.com, search for the stock you want. When you are seeing the stock information, in the top left corner there's a link that says 'Historical prices'. Click on it. then select the date range, click update (don't forget this) and 'Download to spreadsheet' (on the right, below the chart). For exa... |
What is the incentive for a bank to refinance a mortgage at a lower rate? | The reason is the same as with cell phones payment plans. As competition grows cell phone companies offer better payment plans for the same price or the same plans for lower price or both so that you stay with that cell operator. Banks also make better offers if the financial situation allows. Suppose several banks off... |
How to rebalance a portfolio without moving money into losing investments | If you are making regular periodic investments (e.g. each pay period into a 401(k) plan) or via automatic investment scheme in a non-tax-deferred portfolio (e.g. every month, $200 goes automatically from your checking account to your broker or mutual fund house), then one way of rebalancing (over a period of time) is t... |
Ghana scam and direct deposit scam? | Of course, it is a scam. Regardless of how the scam might work, you already know that the person on the other end is lying, and you also know that people in trouble don't contact perfect strangers out of the blue by e-mail for help, nor do they call up random phone numbers looking for help. Scammers prey on the gullib... |
Got a “personal” bonus from my boss. Do I have to pay taxes and if so, how do I go about that? | As others have mentioned yes it is taxable. Whether it goes through payroll and has FICA taken out is your issue in terms that you need to report it and you will an extra 7.5% self employment taxes that would normally be covered by your employer. Your employer may have problems but that isn't your issue. Contrary to w... |
Is selling put options an advisable strategy for a retiree to generate stable income? | I am close to retirement and sell cash secured puts and covered calls on a regular basis. I make 15 % plus per year from the puts. Less risky than buying stocks, which I also do. Riskier than bonds, but several times the income. Example: I owned 4,000 shares of XYZ, which I bought last year at 6.50 and was at 7.70 ... |
Can you sell stocks/commodities for any price you wish (either direct or market)? | In other words, does the market have control over sale numbers or do I? You both do, just like for the bike. You have control over the price you ask, and the buyer has control over the price they pay. If the two do not align, no sale takes place. Your question uses the words "sell" and "sale" ambiguously. You can de... |
Stocks that only have 1 really high peak | Investing is not the same as illegal drugs. One does not start with pot and progress to things like heroin in order to get a better high. Penny stocks are a fools game and not an entry into the world of investing. The charts you mentioned are fake and likely the result of pump and dump schemes as my colleagues have p... |
Why is the stock market price for a share always higher than the earnings per share? | Earnings per share are not directly correlated to share price. NV Energy, the company you cited as an example, is an electric utility. The growth patterns and characteristics of utilities are well-defined, so generally speaking the value of the stock is driven by the quality of the company's cash flow. A utility with a... |
Why would I vote for an increase in the number of authorized shares? | As a common shareholder, why would I want to approve an increase in the number of authorized shares?" Because it could increase the value of your existing shares. Companies sell new shares to raise capital, and they use capital to (among other things) expand. If Whole Foods issues new shares and uses the capital to ope... |
Do credit checks affect credit scores? | I've seen my score dip a little bit after every hard pull. (Admittedly, a fako score.) You apply for credit or for a credit increase and your score is going to dip. Any check that is not intended to grant credit (either an existing creditor rechecking, or when you check your own credit) has no effect on your score. ... |
Is there a good rule of thumb for how much I should have set aside as emergency cash? | I think that Dave Ramsey has a good approach to emergency funds. Save $1,000 that is immediately accessible in an emergency, pay off your debts, then build a 3-6 month fund. Two years is great, but takes a really long time to build up. |
What are the financial advantages of living in Switzerland? | Companies, especially big ones, find in Switzerland a business-friendly environment and often benefit from a special tax regime. Don't mix the companies interests with yours. |
Why do most banks in Canada charge monthly fee? | The other answers in this thread do a fine job of explaining the economic situation that banks are in. In addition to that information, I would like to point out that it is not hard to avoid a monthly fee for Canadian bank accounts. Usually this involves keeping a minimum balance of a few thousand dollars at all times.... |
Insider Trading? | I am a flight attendant on a private jet and I hear a bank CEO discussing a merger or a buyout. I proceed to purchase that stock before the announcement. The CEO did not tell me to buy it, I just overheard him. If you are a flight attendant on a private jet that is operated by one of the principals, probably incl... |
How to prevent myself from buying things I don't want | There are a lot of good answers above, all of them will probably work for you in some way or another. One point to note (from the procrastination theme) is that you could invest your free money that you have currently in some investment instrument which would require you to do some paperwork etc. to get out, this way t... |
What evidence exists for claiming that you cannot beat the market? | The reason for this is arbitrage. In an free and open market, investments that are certain to generate above-average profits would do so by being sold cheaply, while having a high return on investment after that. But in a free market, prices are set by supply and demand. There is a high demand and little supply for inv... |
How do I protect money above the FDIC coverage limit? | Be very careful to hold on tight to your money! I agree with paying for an investment advisor, but I would say use at least two to get different viewpoints, and get credentials and references! Don't let relatives convince you to invest in their business, or help them out, or any other such nonsense. Real estate still i... |
If NYSE has market makers, what is the role of NYSE ARCA which is an ECN | I would say it's a bit more complicated than that. Do you understand what a market maker does? An ECN (electronic communication network) is a virtual exchange that works with market makers. Using a rebate structure that works by paying for orders adding liquidity and charges a fee for removing liquidity. So liquidity ... |
If a stock has only buyers and no sellers how does its price go up? | You can, in theory, have the stock price go up without any trading actually occurring. It depends on how the price is quoted. The stock price is not always quoted as the last price someone paid for it. It can also be quoted as the ask price, which is the price a seller is willing to sell at, and the price youd pay if y... |
Is there an advantage to keeping a liquid emergency fund if one also has an untapped line of credit? | recommend keeping some amount of money in cash as an emergency fund I see two keywords, with two interpretations here. Cash: Emergency: 1 + 1 is rarely a problem. Even if it takes a couple of days to sell reliable investments. 1 + 2 is a rather large problem. You need to leave town, today, because the town won't be the... |
How much do big firms and investors affect the stock market? | It's not either or. Much of the time the value of the stock has some tangible relation to the financial prospects of the company. The value of Ford and GM stock rose when they were selling a lot of cars, and collapsed when their cars became unpopular. Other companies (Enron for example) frankly 'cook the books' to mak... |
Diversification reduces risk, but does this base on the assumption that expected return of each asset is always in proportion to its risk? | Diversifying your portfolio between asset A and asset B only reduces the portfolio risk if asset A and asset B are not correlated. If they have either a low correlation or a negative correlation to each other, then you benefit from combining them in a portfolio in terms of risk reduction. The standard deviation of retu... |
Should I finance a new home theater at 0% even though I have the cash for it? | Pay cash. You have the cash to pay for it now, but God forbid something happen to you or your wife that requires you to dip into that cash in the future. In such an event, you could end up paying a lot more for your home theater than you planned. The best way to keep your consumer credit card debt at zero (and protect... |
Where can I find information on the percentage of volume is contributed by shorts? | You can do a lot of deduction FINRA keeps a "REG-SHO" list created daily that tells what the daily short volume is. March 26th 2014's list: http://regsho.finra.org/FNSQshvol20140326.txt If you are talking about the United States, this answer may be better ;) |
What is the difference between “good debt” vs. “bad debt”? | The word "good" was used in contrast to "bad" but these words are misused here. There are three kinds of debt: Debt for spending. Never go into debt to buy consumables, go out for a good time, for vacations, or other purchases with no lasting financial value. Debt for depreciating assets, such as cars and sometimes th... |
Possible to use balance transfers to avoid interest with major credit cards? | Sure of course you can do balance transfers like this but you are way late to the party and it has gotten to be pretty challenging finding new cards to transfer balances to. Before the current financial crisis in the US you could get enormous amounts of credit (2-5 times a person's annual income) and transfer balances ... |
How do you translate a per year salary into a part-time per hour job? | It's difficult to quantify the intangible benefits, so I would recommend that you begin by quantifying the financials and then determine whether the difference between the pay of the two jobs justifies the value of the intangible benefits to you. Some Explainations You are making $55,000 per year, but your employer is ... |
Why do stocks tend to trade at high volumes at the end of (or start) the trading day? | Trading at the start of a session is by far higher than at any other time of the day. This is mostly due to markets incorporating news into the prices of stocks. In other words, there are a lot of factors that can affect a stock, 24 hours a day, but the market trades for only 6.5 hours a day. So, a lot of news accumula... |
Finding Uncorrelated Assets | Have a look at: Diversify Portfolio. The site provides various tools all focused on correlation, diversification and portfolio construction. You can scan through every stock and ETF listed on the NASDAQ and NYSE to find any kind of correlation you're looking for. You can also create a portfolio and then analyze all the... |
How to share income after marriage and kids? | My suggestion would be that you're looking at this the wrong way, though for good reasons. Once you are a family, you should - and, in most cases I've seen, will - think of things differently than you do now. Right now, your post above is written from a selfish perspective. Not to be insulting, and not implying selfi... |
Can I invest in gold through Vanguard (Or another instrument that should perform well in financial crisis)? | I found a comparison of stock and bond returns. The relevant portion here is that bonds went up by 10% in 2007 and 20% in 2008 (32% compounded). Stocks were already recovering in 2009, going up almost 26%. You don't mention what you were hoping to get from your gold investment, but bonds gave a very good return for... |
How long can a company keep the money raised from IPO of its stocks? | Is it correct that there is no limit on the length of the time that the company can keep the money raised from IPO of its stocks, unlike for the debt of the company where there is a limit? Yes that is correct, there is no limit. But a company can buy back its shares any time it wants. Anyone else can also buy shares on... |
How would one follow the “smart money” when people use that term? | Smart money (Merriam-Webster, Wiktionary) is simply a term that refers to the money that successful investors invest. It can also refer to the successful investors themselves. When someone tells you to "follow the smart money," they are generally telling you to invest in the same things that successful investors inve... |
Are there any statistics that support the need for Title Insurance? | I'm really surprised at the answers here. Claims/year per region isn't a statistic that is meaningful here... you need to think about the risk factors and the purpose of the insurance. First, what does title insurance do? It protects you against defects in the deed -- defects that may crop up and mean that your mortgag... |
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... |
How can a Canadian establish US credit score | set up a US company (WY is cheap and easy), go south and open a personal and business bank account, ask for the itin form. file for the itin. set up your EIN for the company. get a credit card for both. pay some mail forwarding service with it. file for taxes in the next year using your itin. prepaid cards do not link ... |
Is there a simple strategy of selling stock over a period of time? | Yes, there is an analogous strategy for selling: it's to sell a fixed number of shares per period of time. |
Why is the price of my investment only updated once per day? | Mutual funds are a collection of other assets, such as stocks, bonds and property. Unless the fund is a type that is traded on an exchange, you will only be able to buy into the fund by applying for units with the fund manager and sell out by contacting the fund manager. These type of non-traded funds are usually updat... |
If I make over 120k a year, what are my options for retirement plans? | There are three common options for you: |
Less than a year at my first job out of college, what do I save for first? | I recommend saving for retirement first to leverage compound interest over a long time horizon. The historical real return on the stock market has been about 7%. Assuming returns stay at 7% in the future (big assumption, but don't have any better numbers to go off of), then $8,000 saved today will be worth $119,795 in... |
Allocation between 401K/retirement accounts and taxable investments, as a young adult? | I'm afraid you're mistaking 401k as an investment vehicle. It's not. It is a vehicle for retirement. Roth 401k/IRA has the benefit of tax free distributions at retirement, and as long as you're in the low tax bracket - it is for your benefit to take advantage of that. However, that is not the money you would be using t... |
Do any publically available documents from IR or SEC include all patents the company holds? | It appears as others have said that companies are not required to state this on as any sort of Asset. I remembered a friend of mine is a lawyer specializing in Intellectual Property Rights so asked him and confirmed that there's no document companies are required to file which states all patent holdings as assets. Ther... |
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