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Are there online brokers in the UK which don't require margin account? | I don't know what you are on about, as most online brokers should offer standard brokerage without margin. As trading with magin is considered more risky by most (especially if you don't know what you are doing), so one would have to fill out additional application forms and possibly undergo some training before gettin... |
What is the best asset allocation for a retirement portfolio, and why? | It's all about risk. These guidelines were all developed based on the risk characteristics of the various asset categories. Bonds are ultra-low-risk, large caps are low-risk (you don't see most big stocks like Coca-Cola going anywhere soon), foreign stocks are medium-risk (subject to additional political risk and curre... |
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... |
Payroll question | Ask the company if they can make an adjustment for the next paycheck. If they can't then do the following: Increase the number of Federal exemptions by 1. In 2014 a personal exemption reduces your apparent income by $3950. If you are in the 10 % tax bracket and you are paid every two weeks you will see the amount of t... |
Shorting Stocks And Margin Account Minimum | The margin money you put up to fund a short position ($6000 in the example given) is simply a "good faith" deposit that is required by the broker in order to show that you are acting in good faith and fully intend to meet any potential losses that may occur. This margin is normally called initial margin. It is not an... |
Are there guidelines for whom you should trust for financial advice (online, peer, experts, only myself, etc) | Nothing beats statistics like that found on Morning Star, Yahoo or Google Finance. When you are starting out, there is no need to reinvent the wheel. Pick a couple of mutual funds with good track records and start there. Keep in mind the financial press, to some degree, has a vested interest in having their readers... |
Is it inadvisable to leave a Roth IRA to charity upon death? | You need to keep in mind that there's an exemption amount of more than $5M (five million) dollars for estate tax. Unless you used all of it for gifts during your life time, it will more than cover all of your $70K estate, so there's no need in any additional planning. As to Roth vs Traditional IRA - if you want to leav... |
Paying taxes on dividends even though your capital gains were $0? | You are incorrect in saying that you have a capital gains of $0. You either have no capital gains activity, because you haven't realized it or you have an unrealized capital gains of -$10k. If you were to sell immediately after receiving the dividend you would end up as a wash investment wise - the 10k of dividend offs... |
Is Real Estate ever a BAD investment? If so, when? | Real estate is a lousy investment because: Renting a home and buying a home, all else being equal, are pretty similar in costs in the long term (if you can force yourself to invest the would-be down payment). So, buy a home if you want to enjoy the benefits of home ownership. Buy a home if you need to hedge against ris... |
Is there a law or regulation that governs the maximum allowable interest amount that can be charged on credit cards or in agreements where credit is extended? | The word you're looking for is usury - the crime of lending money at rates above an amount set by law. |
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 is a 10 Year Treasury Note and How Can it be Used to Calculate the Intrinsic Value of a Stock? | It's a form of debt issued by the United States Treasury. As the name implies, a 10-year note is held for 10 years (after which you get the face value in cash), and it pays interest twice per year. It's being used in the calculator to stand for a readily available, medium-term, nearly risk-free investment, as a means o... |
How can I estimate the value of private stock behind employee stock options? | Okay, I'm going to give you my opinion based on experience; not any technical understanding. The options - by themselves - are pretty meaningless in terms of determining their value. The business plan going forward, their growth expectations, the additional options to be authorized, the additional preferred stock offer... |
What are the tax implications of lending to my own LLC? | It'll be just like any other loan you make, on your end, and receive, on your LLC's end. You pay taxes on the interest received, and your LLC can deduct the interest paid. Do make sure you set it up properly, however: If you want to loan money to your business, you should have your attorney draw up paperwork to d... |
Can institutional, quant, or other professional traders “prey on” (make money from) retail investors? | I can address what it means to "pick off" all those trades... As quantycuenta & littleadv have said, it is absolutely true that professionals "prey" on less-sophisticated market participants. They aren't in the market for charity's sake. If you're not familiar with the definition of the word "arbitrage", look it up. ... |
How does sales tax holiday change tax? | I believe you are confusing sales tax with income tax. The tax holidays in the US are only for sales tax. Consumers purchasing certain goods during the tax holiday do not have to pay sales tax like they normally would. Effectively the price is slightly lower during those days with the purpose of giving people an extra ... |
Is the “Bank on Yourself” a legitimate investment strategy, or a scam? | Technically, this doesn't seem like a scam, but I don't think the system is beneficial. They use a lot of half-truths to convince you that their product is right for you. Some of the arguments presented and my thoughts. Don't buy term and invest the rest because you can't predict how much you'll earn from the "rest" ... |
How to decide if I should take my money with me or leave it invested in my home country? | I will attempt to answer three separate questions here: The standard answer is that an emergency fund should not be in an investment that can lose value. The safest course of action is to put it in a savings account or other very low risk investment somewhere. This question becomes: can a reasonable and low risk inves... |
When to use a stop limit order over a stop order | This is to protect your position in specific highly volatile market conditions. If the stock is free falling and you only have a stop order at $90, it's possible that this order could be filled at $50 or even less. The limit is to protect you from that, as there are certain very specific times where it's better to jus... |
W-8BEN? What's the tax from selling my software to a U.S. company, from abroad? | You should not form a company in the U.S. simply to get the identification number required for a W-8BEN form. By establishing a U.S.-based company, you'd be signing yourself up for a lot of additional hassle! You don't need that. You're a European business, not a U.S. business. Selling into the U.S. does not require... |
Free Historical Commodity Prices in txt? | You can find gold historical prices on the kitco site. See the "View Data" button. |
How can I calculate a “running” return using XIRR in a spreadsheet? | I could not figure out a good way to make XIRR work since it does not support arrays. However, I think the following should work for you: Insert a column at D and call it "ratio" (to be used to calculate your answer in column E). Use the following equation for D3: =1+(C3-B3-C2)/C2 Drag that down to fill in the column... |
What is high trading volume in a stock indicative of? Is high liquidity a good thing or a bad thing? | In general, liquidity is a good thing, because it means it is easy for you to buy or sell a stock. Since high liquidity stocks have a lot of trading, the bid-ask spreads tend to be pretty low. That means you can go into the market and trade easily and cheaply at just about any time. For low liquidity stocks, the bi... |
Personal credit card for business expenses | Early on, one might not be able to get credit for their business. For convenience, and the card perks, it makes sense to use the personal card. But for sake of a clean paper trail, I'd choose 1 card and use it exclusively, 100% for the business. Not one card here, one card there. |
Is it possible for the average person to profit on the stock market? | There's a huge difference between "can an anverage person make a profit on the stock market" and "can an average person get rich off the stock market". It is certainly possible for an average person to profit, but of course you are unlikely to profit as much as the big Wall Street guys. An S&P 500 index fund, for inst... |
Recent college grad. Down payment on a house or car? | When I was in that boat a few years ago, I went for the car first. My thoughts: If I get the car first, I'm guaranteed to have a car that runs well. That makes it more convenient to commute to any job, or for social functions. I ended up dropping about $20k into a car (paid cash, I don't like being in debt). I chos... |
What does “Settling your Debt” entail, and how does it compare to other options? | These agencies consolidate your debt and make it an easy monthly instalment for you. They also try to negotiate with credit cards. They do so for a fee. Other option is to not pay the debt. During this time , expect credit cards to keep sending you bills and reminders and ways to contact you. Once it is not paid for a ... |
What are the benefits of opening an IRA in an unstable/uncertain economy? | Yes, it's possible to withdraw money without penalty but you have to do it in a special way. For example you have to withdraw the same amount every year until you retire: Tapping Your IRA Penalty-Free as for unstable economy - you can trade many instruments in your IRA. you can do bonds, mutual funds, stocks, ETFs or ... |
Foreign Earned Income Exclusion - Service vs. Product? | Even though you will meet the physical presence test, you cannot claim the FEIE because your tax home will remain the US. From the IRS: Your tax home is the general area of your main place of business, employment, or post of duty, regardless of where you maintain your family home. Your tax home is the place where you a... |
How to interpret a big ask size? | Yes, but it must be remembered that these conditions only last for instants, and that's why only HFTs can take advantage of this. During 2/28/14's selloff from the invasion of Ukraine, many times, there were moments where there was overwhelming liquidity on the bid relative to the ask, but the price continued to drop. |
Is laminate flooring an “Improvement” or “Depreciable Property”? | Aesthetics aside, laminate floor is attached to the floor and as such is a part of the building. So you depreciate it with the building itself, similarly to the roof. I believe the IRS considers these permanently attached because the foam itself is permanently attached, and is a part of the installation. To the best of... |
Should I have more than one brokerage account? | I believe the answer here is no: SIPC protection of customers with multiple accounts is determined by "separate capacity." Each separate capacity is protected up to $500,000 for securities and cash (including a $250,000 limit for cash only). Accounts held in the same capacity are combined for purposes of the SIPC prote... |
Sage Instant Accounts or Quickbooks? | Note: Specific to UK. I can't recommend anything higher than Crunch - they act as your accountant and have their own cloud accounting software, so it's more expensive than just using cloud accounting software, but if you use an accountant to do your year-end anyway, then they cost about the same as using cloud accounti... |
Margin when entered into a derivative contract | The most obvious use of a collateral is as a risk buffer. Just as when you borrow money to buy a house and the bank uses the house as a collateral, so when people borrow money to loan financial instruments (or as is more accurate, gain leverage) the lender keeps a percentage of that (or an equivalent instrument) as a c... |
How to sell a stock in a crashing market? | It is typically possible to sell during a crash, because there are enough people that understand the mechanics behind a crash. Generally, you need to understand that you don't lose money from the crash, but from selling. Every single crash in history more than recovered, and by staying invested, you wouldn't have lost ... |
Is a company allowed to give employees an option for a bonus to be paid out as a 401k match or cash? | I have worked for companies that have done this. One did have a match and the other did not. When they figured their profit at the end of the year a portion was given to the employees as a 401K deposit. retirement-topics-401k-and-profit-sharing-plan-contribution-limits Total annual contributions (annual additions) to ... |
Post tax versus pretax (ESPP versus straight investment) | This answer assumes that your purpose for using the ESPP is to generate a relatively safe 15% return on that portion of your income. Frequently before there were Roth 401K options the advice was: This advice was especially good for the younger workers because they wanted to have a Roth account but didn't want to miss ... |
Will I be paid dividends if I own shares? | gnasher729, was able to see my problem here. It was a silly oversight. It's not 50p a share, its 0.5p a share. @Bezzzo: The dividend is not 50p per share, it is 0.50p per share - half a penny per share. Thanks! |
Why should one only contribute up to the employer's match in a 401(k)? | The matching funds are free money, so it is a very good idea to take that money off the table. Look at it as free 100% return: you deposit $1000, your employer matches that $1000, you now have $2000 in your 401(k). (Obviously, I'm keeping things simple. Vesting schedules mean that the employer match isn't yours to k... |
Are underlying assets supposed to be sold/bought immediately after being bought/sold in call/put option? | In the first case, if you wish to own the stock, you just exercise the option, and buy it for the strike price. Else, you can sell the option just before expiration, it will be priced very close to its in-the-money value. |
Is it possible to buy commodity ETFs (e.g. silver) through Questrade? | Questrade is a Canada based broker offering US stock exchange transactions as well. It says this right on their homepage. ETFs are traded like stocks, so the answer is yes. Why did you think they only offered funds? |
Why index funds have different prices? | Price, whether related to a stock or ETF, has little to do with anything. The fund or company has a total value and the value is distributed among the number of units or shares. Vanguard's S&P ETF has a unit price of $196 and Schwab's S&P mutual fund has a unit price of $35, it's essentially just a matter of the fun... |
Credit report - Not able to establish identity | I suggest you begin by double checking what kinds of credit products you have and to which credit bureaus your bank reports. Not all financial institutions report to all bureaus. For example, if your bank only reports your one and only line of credit to Experian, TransUnion still won't have a file on you. Also, some li... |
Anticipating being offered stock options in a privately held company upon employment. What questions should I ask? | I've had stock options at two different jobs. If you are not getting a significant ownership stake, but rather just a portion of options as incentive to come work there, I would value them at $0. If you get the same salary and benefits, but no stock options at another company and you like the other company better,... |
What are the advantages of doing accounting on your personal finances? | I recently made the switch to keeping track of my finance (Because I found an app that does almost everything for me). Before, my situation was fairly simple: I was unable to come up with a clear picture of how much I was spending vs saving (altho I had a rough idea). Now I here is what it changes: What I can do now: I... |
How is “The People's Trust” not just another Investment Trust? | According to what little information is available currently, this fund is most akin to an actively managed exchange traded fund rather than an investment trust. An investment trust is an actively managed, closed-end fund that is tradeable on the stock market. "Closed-end" means that there are a fixed number of shares ... |
What exactly is the profit and loss of a portfolio? | When we 'delta-hedge', we make the value of a portfolio 0. No - you make the risk relative to some underlying 0. The portfolio does have a value, but if whatever underlying you're hedging against changes slightly the value of your portfolio should not change. But, what is the derivative of a portfolio? It's the inst... |
Multiple accounts stagnant after quitting job. | What is my best bet with the 401K? I know very little about retirement plans and don't plan to ever touch this money until I retire but could this money be of better use somewhere else? If you don't know your options, I would suggest reading some material on it that might be a little more extensive than an answer h... |
Difference between Edward Jones or Betterment | Instead of saying which one is better, which is too subjective, I think it is more important to understand what these institutions are. They are kind of different animals. Edward Jones pretty much a full service wealth manager. They meet with you in person, advise you on what retirement and savings accounts to get, t... |
How can I make a profit by selling a stock short? | How so? If i sell short, then i make a profit only if the price goes down so i can buy back at a lower price. Yes, but if the price is going up then you would go long instead. Shorting a stock (or any other asset) allows you to profit when the price is going down. Going long allows you to profit when the price is going... |
UK university student finance - should I use my sponsorship money to pay the debt? | Let me run some simplistic numbers, ignoring inflation. You have the opportunity to borrow up to 51K. What matters (and varies) is your postgraduation salary. Case 1 - you make 22K after graduation. You pay back 90 a year for 30 years, paying off at most 2700 of the loan. In this case, whether you borrow 2,800 or 28,00... |
Is the best ask price the ask at the “top” of the order book? What is the “top” of the book? | You're confusing a specific visual representation of the top bid & ask orders selected from the order book with the actual "top of the book". "Top" in the sense of the "top of the book" is a ranking (by order of "best", different for bids vs. asks) and not meant to be strictly a visual positioning on a page or screen.... |
Magazine subscription leads to unauthorized recurring payment | You have a subscription that costs $25 They have the capabilities to get that $25 from the card on file if you had stopped paying for it, you re-upping the cost of the subscription was more of a courtesy. They would have considered pulling the $25 themselves or it may have gone to collections (or they could courteously... |
Do Americans really use checks that often? | Typically your paychecks are direct deposited into your bank account and you receive a paycheck stub telling you how much of your money went where (taxes, insurance, 401k, etc.). Most people use debit or credit cards for purchases. I personally only use checks to transfer money to another person (family, friend, etc.)... |
Are there any Social Responsibility Index funds or ETFs? | Vanguard offers an index fund. Their FTSE Social Index Fund. For more information on it, go here. |
How can you possibly lose on investments in stocks? | In your own example of VW, it dropped from its peak price of $253 to $92. If you had invested $10,000 in VW in April 2015, by September of that year it would have gone down to $3,600. If you held on to your investment, you would now be getting back to $6,700 on that original $10,000 investment. Your own example demonst... |
Is it advisable to go for an auto loan if I can make the full payment for a new car? | Without knowing the terms of the company leased car, it's hard to know if that would be preferable to purchasing a car yourself. So I'll concentrate on the two purchase options - getting a loan or paying in full from savings. If the goal is simply to minimize the amount paid for this car, then paying the full cost up-f... |
Are you preparing for a possible dollar (USD) collapse? (How?) | The collapse of the US economic system is one of the many things I am preparing for. To answer the how, me personally I am doing some investing in gold and silver. However I am investing more in the tools, goods and gear that will help me be independent of the system around me. In short nothing will change for me if th... |
Paying Off Principal of Home vs. Investing In Mutual Fund | Excellent answers so far, so I will just add one additional consideration: liquidity. Money invested in a mutual fund (exclusive of retirement accounts with early withdrawal penalties) has a relatively high liquidity. Whereas excess equity in your home from paying down early has very low liquidity. To put it simply: If... |
Why don't some places require a credit card receipt signature, and some do? | Merchants apply in advance for the program, and the amount is limited to less than $25. |
Stock Trade Transaction Fee - at what point is it worth it | The main question is, how much money you want to make? With every transaction, you should calculate the real price as the price plus costs. For example, if you but 10 GreatCorp stock of £100 each, and the transaction cost is £20 , then the real cost of buying a single share is in fact buying price of stock + broker c... |
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 ... |
What are the financial advantages of living in Switzerland? | Some of the advantages of Switzerland: Not everything is about money. |
Where I can find the exact time when a certain company's stock will be available in the secondary market? | Twitter is planning to go public on NYSE. You'll be able to start trading once the stock is listed for trading, which would be the day of the IPO. Note that since you're trading on the secondary market, you won't be able to buy at the IPO prices, whatever the time is. You're buying from someone who bought at IPO price... |
Is a real estate attorney needed for builder deposit contract? | You need to let a lawyer look at it. Concerns you have include: |
How to rebalance a portfolio without moving money into losing investments | You are very correct, rebalancing is basically selling off winners to buy losers. Of course the thinking is that selling a winner that has already increased 100% on the basis that it has doubled so it is likely to go down in the near future. However, just look at Apple as an example, if you bought Apple in June 2009 fo... |
What does net selling or buying of a stock mean? | I'm not sure the term actually has a clear meaning. We can think of "what does this mean" in two ways: its broad semantic/metaphorical meaning, and its mechanical "what actual variables in the market represent this quantity". Net buying/selling have a clear meaning in the former sense by analogy to the basic concept of... |
Should I use a credit repair agency? | So you are in IT, that is great news because you can earn a fabulous income. The part time is not great, but you can use this to your advantage. You can get another job or three to boost your income in the short term. In the long term you should be able to find a better paying job fairly easily. There is one way ... |
What do I need to consider when refinancing one home to pay the down-payment of another? | and I need to upgrade my current home to a larger, longer-term property Would selling your current home give you (at least) a 20% DP on the new home? Take additional cash out of the refinance of the first home to accelerate saving Dittoing D Stanley, that makes no sense. Purchase and move to a second property of greate... |
Is there difference in risk between physical or synthetic replication of an index by an ETF? | First, make sure you understand the objective of an ETF. In some cases, they may use leverage to get a multiple of the index's return that is different than 1. Some may be ultra funds that go for double the return or double the inverse of the return and thus will try to apply the appropriate leverage to achieve that ... |
Is there a significant danger to market orders as opposed to limit orders? | If you want your order to go through no matter what then you should be using market orders rather than limit orders. With limit orders you may get the price you are after or better but you are not guaranteed to get your order transacted. With a market order you are guaranteed to get you order transacted but may get a p... |
First concrete steps for retirement planning when one partner is resistant | You can take a queue from any sales opportunity and position it in ways that will still appeal to someone who intends to continue working perpetually. Here are some of the points I would make: 401k matching funds are free money that you will have access to in ~20 years whether you retire or not. Long-term savings that ... |
Will the stock market continue to grow forever? | The answer to your question depends on what you mean when you say "growth". If you mean a literal increase in the aggregate market capitalization of companies, across the entire market, then, no, this sort of growth is not possible without concomitant economic growth. The reason why is that the market capitalization ... |
Why not pay in full upfront for a car? | Two adages come to mind. Never finance a depreciating asset. If you can't pay cash for a car, you can't afford it. If you decide you can finance at a low rate and invest at a higher one, you're leveraging your capital. The risk here is that your investment drops in value, or your cash flow stops and you are unable to ... |
Landlord living in rental unit - tax implications? | Does allowing family to stay at the rental jeopardize my depreciation? No, accumulated depreciation that hasn't been deducted reduces your basis in the event of sale. That doesn't go anywhere. Accumulating more may not be allowed though. If the property is no longer rental (i.e.: personal use, your family member lives... |
Recommended finance & economy book/blog for a Software Engineer? | For economics I recommend mises or these videos to get you started. For daily critical analysis of financial markets, keynesian government policies, and other interesting reading I recommend zerohedge. I've learned more about financial markets and government regulations by reading the comments section on zerohedge art... |
In what cases can a business refuse to take cash? | They don't have to take cash if they reasonably told you in advance they don't take cash, because they made fair effort to prevent you from incurring a debt. They don't have to take cash if the transaction hasn't yet happened (not a debt) or if it can be easily undone at no cost to either party - such as a newspaper s... |
I have an extra 1000€ per month, what should I do with it? | Lots of good advice on investing already. You may also want to think about two things: A Bausparvertrag. You can set this up for different monthly saving rates. You'll get a modest interest payment, and once you have saved up enough (the contract is zuteilungsreif), you will be eligible for a loan at a low rate. Howeve... |
Is it legal to not get a 1099-b until March 15? | The deadline to mail is February 15. However, if the form is being prepared by a middleman (i.e. Wells Fargo) then they have until March 15th (on page 24). Also, if you haven't received your 1099 form by February 14, you may contact the IRS and they will contact and request the missing form on your behalf. I know that'... |
Pros/Cons of Buying Discounted Company Stock | One major benefit to being able to buy discounted company stock is that you can sell in-the-money covered calls and potentially make more than you would selling at strike. |
Deductions greater than Income : Traditional IRA to Roth Conversion? | Yes. A most emphatic yes. I suggest you look at your 2014 return and project what 2015 will look like. I'd convert enough to "top off" the 15% bracket. Note, if you overshoot it, and in April 2016, see that you are say $5K into the 25% rate, you can just recharacterize the amount you went over and nail the bracket to ... |
ETF holding shares in itself | Lindsell Train Investment Trust could be different than the "Lindsell Train Limited", the company that runs the fund and thus you are mixing apples and oranges here since the bank isn't a listed stock. |
One of my stocks dropped 40% in 2 days, how should I mentally approach this? | You shouldn't be picking stocks in the first place. From New York Magazine, tweeted by Ezra Klein: New evidence for that reality comes from Goldman Sachs, via Bloomberg News. The investment bank analyzed the holdings of 854 funds with $2.1 trillion in equity positions. It found, first of all, that all those “sophistica... |
How to calculate how much house I can afford? | Fundamentals: Then remember that you want to put 20% or more down in cash, to avoid PMI, and recalculate with thatmajor chunk taken out of your savings. Many banks offer calculators on their websites that can help you run these numbers and figure out how much house a given mortgage can pay for. Remember that the old ... |
what if a former employer contributes to my 401k in the year following my exit? | Publication 590a covers this in a fairly specific manner. Page 11, section "Are You Covered by an Employer Plan?", specifies: The Form W-2 you receive from your employer has a box used to indicate whether you were covered for the year. The “Retirement Plan” box should be checked if you were covered. So, by defaul... |
Is the need to issue bonds a telltale sign that the company would have a hard time paying coupons? | People borrow money all the time to buy a house. Banks will lend money on one (up to 80%, sometimes more), because they consider it an "investment." If you own a large company and want to expand, a bank or bond issuer will first look at what you plan to do with the money, like build new factories, or whatever. Based on... |
Forex vs day trading for beginner investor | Forex vs Day Trading: These can be one and the same, as most people who trade forex do it as day trading. Forex is the instrument you are trading and day trading is the time frame you are doing it in. If your meaning from your question was comparing trading forex vs stocks, then it depends on a number of things. Forex ... |
Advice on low-risk long-term strategy for extra cash? | I can think of three things you might do: Talk to a fee-only adviser. As the comments suggest, this would only be one or two sessions to lay out what all you have, establish what you want it to do, and write a plan that you are comfortable carrying out yourself. What do your 401k and Roth IRA look like? If you mean for... |
Where can I open a Bank Account in Canadian dollars in the US? | Canada, like other second-rate economies with weak currencies, provides USD accounts. It is not the same vice versa. It is rare to find a direct deposit foreign currency account in the US as it is the world-leading currency. |
How to calculate car insurance quote | First you should understand the basics of how insurance companies make money: In a simple scenario, assume 1,000 have car insurance. Assume that on average, 100 people have accidents per year, and that each accident costs $10,000. So, we can expect total costs to be $1,000,000 per year. Some of those costs will be paid... |
Choosing which ESPP stocks to sell? | the difference would be taxes... Lets say you have two lots, one with a 10 dollar gain, and one with a 20 dollar gain. And lets say you decide to sell one lot this year, and the other lot in 10 years. AND, lets say that it turns out the stock price is exactly the same in ten years as it is when you sell the first lo... |
Is there any way to buy a new car directly from Toyota without going through a dealership? | Any car manufacturer that undercuts their own dealer network would have that network fall apart quickly. Tesla is using a dealer-free distribution model from the start, so they don't have that problem. Toyota doesn't work that way, though. GM imposed a uniform no-haggling policy with their Saturn brand, but that poli... |
Why is there such disparity of max contribution limits between 401K accounts and regular IRA accounts? | The investments offered in 401K are usually limited to a selection of mutual funds offered by a 401K provider. The 401K providers and the mutual funds charge fees. The mutual fund industry has a lobbying group that will push for increased 401K contributions to direct money into their mutual funds to collect fees. Th... |
Stocks vs. High-yield Bonds: Risk-Reward, Taxes? | nan |
Can a shareholder be liable in case of bankruptcy of one of the companies he invested in? | No, assuming by "public company" you mean a corporation. The shareholder's individual liability is limited to their investment. Your shares can go to zero value, but that's the limit. EDIT In regard to the follow-up question in the comments: "Are all companies in the stock market corporations?" the answer is definite... |
An online casino owes me money and wants to pay with a wire transfer. Is this safe? | I have won a large amount of money on an online casino. How reputed is the company? Have you done any research around it? It has taken 2 months for me to see any payouts. Last week I received $2300 check from them. Did you win everything in the same period? If so there is no reason why they sent you a smaller check of... |
The doctor didn't charge the health insurance in time, am I liable? | I work for a health billing company. It is completely the provider's responsibility to bill your health insurance in a timely manner if they have your health insurance information on file (it sounds like they did). If you can gather a copy of your EOB (Explanation of Benefits) from your health insurance, it will likely... |
stock option grant being cancelled because strike price greater than FMV and replaced with a new grant at a higher strike price | What could the tax issues with the IRS be? I thought (but not totally certain) that the tax treatment of an ISO option was based on difference between exercise price and FMV at the time of the sale. This is an accounting issue. There were times not so long ago that companies actually did these things on purpose, to bo... |
Is an investor of a startup subjected under a vesting schedule? | Recently, I asked about what the company valuation is and how many shares does my 4% represent.CFO told me that there is no point to talk about "shares" or "stock" since the company is not public. Is it right? No, it is wrong. Shares and stocks exist regardless of how they can be traded. Once a company is formed,... |
Can stock brokerage firms fail? | Brokerages are supposed to keep your money separate from theirs. So, even if they fail as a company, your money and investments are still there, and can be transferred to another brokerage. It doesn't matter if it's an IRA or taxable account. Of course, as is the case with MF Global, if illegally take their client's m... |
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