Question stringlengths 14 166 | Answer stringlengths 3 17k |
|---|---|
Tax implications of corporate housing | If the employer provides housing to the employee, the employer has to identify whether it is taxable or not. If it is - the amounts would be added to the taxable income on your W2. All the withholding and FICA tax calculations will be performed based on that taxable income. If the employer fails to do that, and you get... |
Electric car lease or buy? | I would like to add that from my own research, a pro to leasing over buying a new vehicle would be that with the lease the entire 7,500 federal incentive is applied directly to the lease, or so they say. If you buy a new car you get a 7,500 federal tax incentive also but if you dont have 7,500 bucks in taxes this wont ... |
Is there a candlestick pattern that guarantees any kind of future profit? | I did a historical analysis a few years back of all well-known candlestick patterns against my database of 5 years worth of 1-minute resolution data of all FTSE100 shares. There wasn't a single pattern that showed even a 1% gain with 60% reliability. Unfortunately I don't have spread data other than for a handful of ... |
Do I have to pay tax on money I earn as a tutor? | You would be required to report it as self-employment income and pay tax accordingly. It's up to you to keep proper records (like a receipt book, for example), especially when it comes to cash. If you can't prove exactly how much you earned and the government decides to guess the amount for you then you won't like th... |
When an in-the-money stock option expires does the broker always execute it or does its value become worthless if the owner doesn't execute it? | It depends on the broker, each one's rules may vary. Your broker should be able to answer this question for how they handle such a situation. The broker I used would execute and immediately sell the stock if the option was 25 cents in the money at expiration. If they simply executed and news broke over the weekend (opt... |
How do I invest in the S&P 500? | The S&P 500 is a stock market index, which is a list of 500 stocks from the largest companies in America. You could open a brokerage account with a broker and buy shares in each of these companies, but the easiest, least expensive way to invest in all these stocks is to invest in an S&P 500 index mutual fund. Inside an... |
Should I pay off my student loan before buying a house? | It depends on the terms. Student loans are often very low interest loans which allow you to spread your costs of education over a long time without incurring too much interest. They are often government subsidized. On the other hand, you often get better mortgage rates if you can bring a down payment for the house. Th... |
Why call option price increases with higher volatility | The entire premise of purchasing a call option is your expectation that the prices will rise. So even though there is a possibility of prices falling, you wouldn't mind paying higher premiums in a volatile market for a call option because you're bullish and are expecting the volatility to eventually turn out in your f... |
What is the formula for determining estimated stock price when I only have an earning per share number? | Stock price = Earning per share * P/E Ratio. Most of the time you will see in a listing the Stock price and the P/E ration. The calculation of the EPS is left as an exercise for the student Investor. |
Should you diversify your bond investments across many foreign countries? | The Vanguard Emerging Market Bond Index has a SEC yield of 4.62%, an expense ratio of 0.34%, a purchase fee of 0.75%, and an average duration of 6.7 years. The Vanguard Emerging Market Bond Index only invests in US Dollar denominated securities, so it is not exposed to currency risk. The US Intermediate Term Bond Ind... |
What does negative Total Equity means in McDonald's balance sheet? | what does negative Total Equity means in McDonald's balance sheet? It means that their liabilities exceed their total assets. Usually is means that a company has accumulated losses over time, but that's just one explanation. But, isn't McDonald a very healthy company, and never lost money? Just because a company has... |
Can I write off time I spent working on my business? | To expand a little on what littleadv said, you can only deduct what something cost you. Even if you had done volunteer work for a charity as a sole prop you could only deduct your actual costs. If you paid an employee to do charity work or to learn something related to the business that would be deductible as a normal ... |
Options vs Stocks which is more profitable | Nearly 3 years ago, I wrote an article, Betting on Apple at 9 to 2 which described a bet in which a 35% move in the stock returned 354% on the option trade. Leverage works both ways, no move, or a slight move down, and the bet would have been lost. While I find this to be entertaining, I don't call it investing. With ... |
On what time scales are stock support and resistance levels meaningful? | Support and resistance only works as a self-fulfilling prophecy. If everyone trading that stock agrees there's a resistance at so-and-so level, and it is on such-and-such scale, then they will trade accordingly and there will really be a support or resistance. So while you can identify them at any time scale (although ... |
Question about car loan payment | You can earn significantly more than 0.99% in the stock market. I'd pay the $450/month and invest the rest in a (relatively conservative) stock market fund, making monthly withdrawals for the car note. |
Can a put option and call option be exercised for the same stock with different strike prices? | What you did is called a "strangle." It's rather unlikely that both will be exercised on the same day. But yes, it can happen. That is if the market is very volatile on a given day, so that the stock hits 13 in the morning, the put gets exercised, and then hits 15 later in the day, so the call gets exercised. Or vice ... |
Is there a way to buy raw oil today and sell it in 1 year time? | There are many ways of investing either directly or indirectly in oil: all of these options are ways to invest in an expected change in the price of oil at various degrees of directness and risk profiles. Investing in derivative or derivative-like products such as futures and CFDs is very risky and requires a good degr... |
Empirical performance data of ETFs and Mutual Funds tracking identical Indexes? | Why don't you look at the actual funds and etfs in question rather than seeking a general conclusion about all pairs of funds and etfs? For example, Vanguard's total stock market index fund (VTSAX) and ETF (VTI). Comparing the two on yahoo finance I find no difference over the last 5 years visually. For a different ... |
What's an Exchange-Traded Fund (ETF)? | ETFs offer the flexibility of stocks while retaining many of the benefits of mutual funds. Since an ETF is an actual fund, it has the diversification of its potentially many underlying securities. You can find ETFs with stocks at various market caps and style categories. You can have bond or mixed ETFs. You can even ge... |
Value of credit score if you never plan to borrow again? | Only reason I can think of is that having a credit card, or several, is handy for buying stuff on-line, or not having to haul around a fat wallet full of cash. Of course for some of us, getting the cash back and 0% interest periods are nice, too, even if we don't really need the money. Same as for instance trying t... |
At what interest rate should debt be used as a tool? | Money is a commodity like any other, and loans are a way to "buy" money. Like any other financial decision, you need to weigh the costs against the benefits. To me, I'm happy to take advantage of a 0% for six months or a modest 5-6% rate to make "capital" purchases of stuff, especially for major purchases. For example,... |
Advantage of Financial Times vs. free news sources for improving own knowledge of finance? | If you are interested in a career in algorithmic trading, I strongly encourage you to formally study math and computer science. Algorithmic trading firms have no need for employees with financial knowledge; if they did, they'd just be called "trading" firms. Rather, they need experts in machine learning, statistical ... |
Visiting vacation rental with immediate family | No, you cannot deduct it. There's no business substance in such a trip, it is your vacation, and as such cannot be claimed as an expense against the rental income. You may be able to deduct the coffee you buy for the meeting with the property manager while there, but there's no way you can justify a 7-10 days vacation ... |
Does a US LLC need to file taxes if owned by a foreign citizen? | An LLC does not pay taxes on profits. As regards tax a LLC is treated as a Partnership, but instead of partners they are called members. The LLC is a passthrough entity. As in Partnerships members can have a different percentage ownership to the share of profits. The LLC reports the share of the profits of the members.... |
What should I do with $4,000 cash and High Interest Debt? | Patti - I realize, of course, that you pose an either/or question. It seems the question closes the door on other potential solutions. |
What is an accounting term that factors growth as a function of time and discount rate? | Since you are trying to compare corporate bonds that have a defined coupon over the specified time of the bond. Why not use a simple Net Present Value (NPV) calculation. Refer: Net Present Value (NPV) You could use the discounting factor as the current repo rate of your central bank. As I said, this would be a simple f... |
What happens to bank account of non-resident alien who falls out of status? | Nothing happens. A bank is a business; your relationship with the bank doesn't change because your visa or immigration status changes. Money held in the account is still held in the account. Interest paid on the account is still taxable. And so on. If the account is inactive long enough, abandoned account rules may app... |
What is a decent rate of return for investing in the markets? | What do you think is a reasonable rate of return? A reasonable rate really breaks down into three things: opportunity cost, what you need, and risk appetite. Opportunity cost comes into play because whatever returns you make should at least exceed, after expenses, the next best option. Typically the "next best option"... |
How much percent of my salary should I use to invest in company stock? | There is Free employer money on both sides of the tax fence for some employees. On the pretax side, your employer may provide you a match. If so, invest the maximum to get 100% of the match. On the after tax side, many companies offers a 15% discount on ESPP plans and a one year hold. My wife has such an employer... |
What is a “fiat” currency? Are there other types of currency? | There's two types of categories at play that define currency types - but I think the first is more like what you are after. The first is there are essentially three currency types now recognised - see them described here: http://finance.mapsofworld.com/money/types/ The second is currencies can be categorised by the ty... |
Are variable rate loans ever a good idea? | Fixed You are confirming the amount you are going t pay over the term of the loan. Variable: 3.79% over 82mo. The total difference over the life of the loan comes to around $1200 That is the wrong way to calculate the variable portion. The variable is primarily set with a margin over a certain benchmark i.e. Fed rate.... |
Learning investing and the stock market | I would recommend getting a used set of Chartered Financial Analyst books. The series is a great broad introduction to the most important aspects of investing and the markets. Combining both day-to-day knowledge and fundamental theory. CFA materials include in depth discussions of: After you have a strong base then s... |
Reinvesting dividends and capital gains | I'd like to add that many companies offer Divident Re-Investment Plans or DRIPs, which is basically a regular automatic stock purchase program. More info here: http://en.wikipedia.org/wiki/Dividend_reinvestment_plan. While your stock broker may offer dividend reinvestment, this is not the same as a DRIP. DRIPs are offe... |
What's the best way to account for a risky investment - As an asset or an expense? | I'm no accountant, but I think the way I'd want to approach this kind of thing in Gnucash would be to track it as an Asset, since it is. It sounds like your actual concern is that your tracked asset value isn't reflecting its current "market" value. Presumably because it's risky it's also illiquid, so you're not sure h... |
Do you pay taxes on stock gains that are just returning to their original purchase price? | You don't generally pay capital gains taxes until you sell the stock. If you bought it in 2013 and the price goes up in 2014 but you just hold on to the stock, you won't have to pay any taxes on it. If you then sold it in 2015 for a profit, you'd have to pay capital gains taxes on the profit. Note that this excludes di... |
Why don't people generally save more of their income? | If one takes a slightly more expansive view of the word "saving" to include most forms of durable asset accumulation, I think the reason some do and most don't is a matter of a few factors, I will include the three that seem obvious to me: Education Most schools in the US where I live do not offer personal finance cour... |
How much of each stock do index funds hold? | In general, the goal of an S&P 500 index fund is to replicate the performance of the S&P 500 Index. To do this, the fund will buy the same stocks in the same proportions as the weighting of the Index. The S&P 500 Index is free-float capitalization weighted. This means that the higher capitalization stocks (based on p... |
Buy securities at another stock exchange | Different exchanges sometimes offer different order types, and of course have different trading fees. But once a trade is finished, it should not matter where it was executed. |
Are there index tracking funds that avoid the “buy high - sell low” problem? | There are some index funds out there like this - generally they are called "equal weight" funds. For example, the Rydex S&P Equal-Weight ETF. Rydex also has several other equal weight sector funds |
Can a shareholder be liable in case of bankruptcy of one of the companies he invested in? | Not normally, for a limited liability company anyway. In extreme circumstances a court may "lift the veil" of incorporation and treat shareholders as if they were partners. If you are an office bearer or a director that is found to have breached duties/responsibiities then that is another matter. Dim views can be taken... |
Should I Use an Investment Professional? | Yes. The investment world is extremely fast-paced and competitive. There are loads of professional traders with supercomputers working day in and day out to make smarter, faster trade decisions than you. If you try to compete with them, there’s a better than fair chance you’ll lose precious time and money, which kind ... |
Approximate IT company valuation (to proximate stock options value) | This situation sounds better than most, the company it seems likely to be profitable in the future. As such it is a good candidate to have a successful IPO. With that your stock options are likely to be worth something. How much of that is your share is likely to be very small. The workers that have been their sin... |
Why do some people say a house “not an investment”? | I think the claim is that you shouldn't buy a house expecting it to increase in value as you would a stock portfolio. OTOH if you are looking at it from the stand point of "I need housing, mortgage payments and rent are comparable and I build equity if I buy a house rather then rent" that's potentiality a very differen... |
How can it be possible that only ~10% of options expire worthless, and only ~10% are exercised? | You gave your own answer - the 80% is positions, not contracts. Most actors on the option market have no interest in the underlying asset. They want "just" exposure to its price movement. It makes more sense to close your position than to be handed over bushels of wheat or whatever. |
First home buyer, financing questions | I think we would be good with paying around $1200 monthly mortgage fees (with all other property fees included like tax etc.) You probably can't get a $250k house for $1,200 a month including taxes and insurance. Even at a 4% rate and 20% down, your mortgage payment alone will be $954, and with taxes and insurance on ... |
Is there any benefit to investing in an index fund? | when the index is altered to include new players/exclude old ones, the fund also adjusts The largest and (I would say) most important index funds are whole-market funds, like "all-world-ex-US", or VT "Total World Stock", or "All Japan". (And similarly for bonds, REITS, etc.) So companies don't leave or enter these in... |
Income tax on international income with money not deposited in India | If the work is done in India, then the income arising out of it, is taxable when received by you, and not when it come into India ... |
How can I increase my hourly pay as a software developer? | Short term: ask for a raise or look for a new job that pays more. Longer term: |
In general, is it financially better to buy or to rent a house? | I just read through all of the answers to this question and there is an important point that no one has mentioned yet: Oftentimes, buying a house is actually cheaper than renting the identical house. I'm looking around my area (suburbs of Chicago, IL) in 2017 and seeing some houses that are both for sale and for rent, ... |
Why is the dominant investing advice for individuals to use mutual funds, exchanged traded funds (ETFs), etc | I agree with the other answers, but I want to give a slightly different perspective. I believe that a lot of people are smart enough to beat the market, but that it takes a lot more dedication, patience, and self-control than they think. Before Warren Buffett buys a stock, he has read the quarterly reports for years, h... |
If I have $1000 to invest in penny stocks online, should I diversify risk and invest in many of them or should I invest in just in one? | These stocks have no value to them, are just waiting for paper work to liquefy and vanish. The other gamblers are bots waiting for some sucker to buy so they can sell right away. So maybe a fresh new penny stock that hasn't been botted yet gives some higher chance of success, but you probably need to be a bot to sell i... |
Should I sell my stocks when the stock hits a 52-week high in order to “Buy Low, Sell High”? | You asked for advice, so I'll offer it. Trying to time the market is not a great strategy unless you're sitting in front of a Bloomberg terminal all the time. Another person answering your question suggests the use of index funds; he's likely to be right. Look up "asset allocation." What you want to do is decide that... |
Pay off car loan entirely or leave $1 until the end of the loan period? | There's two scenarios: the loan accrues interest on the remaining balance, or the total interest was computed ahead of time and your payments were averaged over x years so your payments are always the same. The second scenarios is better for the bank, so guess what you probably have... In the first scenario, I would pa... |
Calculating pay off for credit card with multiple APRs | The first thing you need to do is look at your terms and conditions of your credit card, or ask your bank, how they will apply the payments. As Dilip notes in his answer, in the US, they will likely apply the minimum payment to the lower rate balance, and then must apply the rest above the minimum to the higher rate b... |
How to rebalance a portfolio without moving money into losing investments | A strategy of rebalancing assumes that the business cycle will continue, that all bull and bear markets end eventually. Imagine that you maintained a 50% split between a US Treasury bond mutual fund (VUSTX) and an S&P 500 stock mutual fund (VFINX) beginning with a $10,000 investment in each on January 1, 2008, then on... |
Withdrawing cash from investment: take money from underperforming fund? | Bob should treat both positions as incomplete, and explore a viewpoint which does a better job of separating value from volatility. So we should start by recognizing that what Bob is really doing is trading pieces of paper (say Stocks from Fund #1 or Bonds from Fund #2, to pick historically volatile and non-volatile in... |
How does Value get rounded in figuring out Bonds Value? | With the formula you are using you assume that the issued bond (bond A) is a perpetual. Given the provided information, you can't really do more than this, it's only an approximation. The difference could be explained by the repayment of the principal (which is not the case with a perpetual). I guess the author has ca... |
Is it possible for the average person to profit on the stock market? | Of course. "Best" is a subjective term. However relying on the resources of the larger institutions by pooling with them will definitely reduce your own burden with regards to the research and keeping track. So yes, investing in mutual funds and ETFs is a very sound strategy. It would be better to diversify, and not to... |
help with how a loan repayment is calculated | It appears the interest is not compounded daily. Each period of interest has the loan amount calculated on the "capital" remaining on the start of period, for each day in the period. The Excel finance functions don't handle irregular periods that well, but I can reconstruct the interest calculations: |
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... |
How can my dad (grandpa) transfer shares to my 2 year old son? | A UTMA may or may not fit your situation. The main drawbacks to a UTMA account is that it will count against your child for financial aid (it counts as the child's asset). The second thing to consider is that taxes aren't deferred like in a 529 plan. The last problem of course is that when he turns 18 he gets control o... |
What does it mean to long convexity of options? | Convexity refers to vega. Gamma refers to delta. Negative carry refers to time decay. |
What are the advantages of a Swiss bank account? | Here are some reasons why it is advantageous to hold a portion of your savings in other countries: However, it should be noted that there are some drawbacks to holding funds in foreign banks: Don't worry; I haven't forgotten about the elephant in the room. What about tax evasion and money laundering? In general, simpl... |
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... |
Why does BlackRock's XIN page show XIN as having only 1 holding? | On BlackRock's XIN page under Key Facts it says the number of holdings as 1. Looking at the top 10 holdings shows EFA as the number 1 holding with a 101% weighting. XIN is "iShares MSCI EAFE Index ETF (CAD-Hedged)", so it takes the underlying component and hedges it to CAD. The underlying component is an ETF itself, E... |
Is a credit card deposit a normal part of the vehicle purchase process | Unfortunately, it's not unusual enough. If you're looking for a popular car and the dealer wants to make sure they aren't holding onto inventory without a guarantee for sale, then it's a not completely unreasonable request. You'll want to make sure that the deposit is on credit card, not cash or check, so you can dis... |
Losing Money with Norbert's Gambit | There's a possibility to lose money in exchange rate shifts, but just as much chance to gain money (Efficient Market Hypothesis and all that). If you're worried about it, you should buy a stock in Canada and short sell the US version at the same time. Then journal the Canadian stock over to the US stock exchange and us... |
Need something more basic than a financial advisor or planner | You know how when people called in on the Car Talk radio show (Click and Clack, I miss those guys), and while the caller asked a question about his car, really he needed marital advice? And the hosts would pounce on the part about the disagreement with family member and provide an unexpected answer ("Yeah, the trick to... |
Why might it be advisable to keep student debt vs. paying it off quickly? | Two different questions: Is it better to be in debt or to pay off the debt? And: Is it better to have student debt than other debt? Any debt needs to be paid off eventually, and any debt makes you less flexible. So if you have the choice between spending/wasting your money and paying off debt, I would recommend paying... |
Investment strategy for retired couple | After retirement nobody want to get low on cash. So, the best way to stay safe is to make some investments. Compare the saving with regular expenses and invest the rest. You can put some money in short-term reserves such as bank accounts, market funds, and deposit certificates. You will not be able to make much money o... |
How important is disability insurance, e.g. long-term, LTD? Employer offers none | (My wife works for an insurance broker in the US, so take that grain of salt with my answer) Disability insurance covers your income should you be unable to work. Some disability will be paid before social security (so you get both incomes) and some will be paid after (so your insurance will fill whatever gap SS leave... |
Filing a corporation tax return online? | This may not exactly answer your question but, as a small business owner, I would highly recommend having a professional handle your taxes. It is worth the money to have it done correctly rather than doing something wrong and getting audited or worse having penalties assessed and owing more than you thought would be po... |
At what point is it most advantageous to cease depositing into a 401k? | It's probably advantageous to stop depositing into a 401(k) when one is no longer receiving payroll deductions into them. Other than that, why would you want to give up the benefits? Remember, 401(k) is just the kind of account. Most offer a variety of investment options within them, and let you move money between thos... |
income tax for purchased/sold short term & long term shares | No Tax would have been deducted at the time of purchase/sale of shares. You would yourself be required to compute your tax liability and then pay taxes to the govt. In case the shares sold were held for less than 1 year - 15% tax on capital gains would be levied. In case the shares sold were held for more than 1 year -... |
Can the IRS freeze a business Bank account? | If the business is legally separated and not commingled - they probably cannot. What they can do is put a lien on it (so that you cannot sell the business) and garnish your income. If the corporate veil is pierced (and its not that hard to have it pierced if you're not careful) - then they can treat it as if it is your... |
Consumer Loans vs Mortgages | I went here: Consumer Loan Law. It seems that a consumer loan is anything other than a business loan or mortgage. However, in California it seems to include a mortgage. It's a bit weird to see that a HEL can be considered a consumer loan even if it is the primary or the only loan on a property. Getting a HEL can be a... |
Having a separate bank account for business/investing, but not a “business account?” | If it makes your finances easier, why not? My wife and I had his/hers/our since before we were married. I also have an account to handle transactions for my rental property, and one extra for PayPal use. I was paranoid to give out a checking account number with authorization for a third party to debit it, so that accou... |
Can Mutual Funds Invest In the Start Up Market? | Bloomberg suggests that two Fidelity funds hold preferred shares of Snapchat Inc.. Preferred shares hold more in common with bonds than with ordinary stock as they pay a fixed dividend, have lower liquidity, and don't have voting rights. Because of this lower liquidity they are not usually offered for sale on the marke... |
Why do some online stores not ask for the 3-digit code on the back of my credit card? | There are different ways of credit card purchase authorizations. if some choose less secure method it's their problem. Merchants are charged back if a stolen card is used. |
How can I determine if my portfolio's rate of return has been “good”, or not? | There isn't really enough information here to go on. Without knowing when you invested that money we can't find your rate of return at all, and it's important to measure your rate against risk. If you take on significantly more risk than the overall market but only just barely outperform it, you probably got a lousy ... |
What mix of credit lines and loans is optimal for my credit score? | Over time, you'll have more loans, maybe a few store cards, mortgage, car loan, etc. I'm a fan of maximizing one's wealth, and the small rebate/reward adds up over time, so I'm not against the store cards, so long as you always pay the bill in full. As far as FICO is concerned, what they 'like' to see may not necessa... |
What size “nest egg” should my husband and I have, and by what age? | There are three numbers that matter in that calculation: 1) How much do you expect per month from in pension/social security/or other retirement programs? 2) At what age will each of you retire? 3) How long will each of you live? 4) What will your annual expenses be when you retire? Unfortunately #3 is the most importa... |
How does a big lottery winner cash his huge check risk-free? | You cant! There is the risk that between the time you get the check and the time you get to the bank that you will be murdered, have a heart attack, stroke, or aneurysm too. And they are probably more likely than the bank going out of business between the time you deposit the money and get access to it. Prior to accep... |
What is a trust? What are the different types of trusts? | A trust is a financial arrangement to put aside money over a period of time (typically years), for a specific purpose to benefit someone. Two purposes of trusts are 1) providing for retirement and 2) providing for a child or minor. There are three parties to a trust: 1) A grantor, the person who establishes and funds a... |
Are the stocks of competitor companies negatively correlated? | Not especially. It depends on why sales have changed. If it's just consumer demand, that affects everyone in parallel rather than pushing in opposite direactions. If it's changes other than sales, that may have no effect on other companies. If it's because someone introduced the next must-have-it device and they're sel... |
What assets would be valuable in a post-apocalyptic scenario? | This is a long term investment but can be very useful during tough times. Be prepared not only to take but to give as well. Moreover: |
I am a Resident Alien for tax purposes. Can I claim exemptions from the India - US Tax Treaty (21)? | I was able to find several references that claim that the Indo-US treaty provision is limited to five years: Here it says this (on page 20): Generally the treaty exemption for students is limited to the first five calendar years that the international student is in the U.S. However there is no set time limit for st... |
Under what circumstance will the IRS charge you a late-payment penalty for taxes? | In practice the IRS seems to apply the late payment penalty when they issue a written paper notice. Those notices typically have a pay-by date where no additional penalty applies. The IRS will often waive penalties, but not interest or tax due, if the taxpayer presses the issue. |
How to decide on split between large/mid/small cap on 401(k) and how often rebalance | There many asset allocation strategies to chose from that beat lifestyle funds. For example: Relative Strength Asset Allocation keeps your money in Stocks when stocks perform well, bonds when they outperform stocks, and cash when both bonds and stocks are under-performing. The re-allocation happens on a monthly basis... |
Is there a good rule of thumb for how much I should have set aside as emergency cash? | Many, many good answers here, but I like this one: One month's worth of expenses for each full percentage of unemployment. Therefore, it would normally float between, say five months and ten months. When the economy's hoppin' -- you have less to worry about. When times are tough -- beef up that fund. |
Got charged ridiculous amount for doctor's walk in visit. What are my options? | You will often receive a lower bill if you simply wait for a second or third billing statement. I was once given the advice to never pay a medical bill until after they had sent three notices, because they will almost certainly reduce the amount due. Sounds crazy, right? I have excellent credit, so the idea of risking ... |
super confused about bid and ask size. help | yes you are right as per my understanding while doing trade you must consider fol (specially for starters like me) The volume of the stock you are trading in should be high enough to keep you secure for quick in and out Whenever the bid volume is more than the ask volume the prices will move up and vice versa. to give ... |
What emergencies could justify a highly liquid emergency fund? | I recently drove past Winslow, Arizona and knocked out the fuel pump in my truck. It cost $500 to repair, and the tow would have been another several hundred if I hadn't had a Good Samaritan's club card, since it was the weekend. 2-3 days would not be acceptable in this sort of scenario. And that was just the fuel pump... |
implementation of risk managed momentum strategy | The paragraph before on page 115 states: Scaling corresponds to having a weight in the long and short legs that is different from one and varies over time, but the strategy is still self-financing. Meaning that the long and short positions are no longer equal due to weighting one side more highly than the other. Th... |
What's the most conservative split of financial assets for my portfolio in today's market? | Before investing, absolutely follow the advice in mbhunter's answer. There is no safe investment (unless you count your mattress, and even there you could find moths, theives, or simple inflation taking a chunk out of your change). There is only maximizing your reward for a given level of risk - and there is always ri... |
Where can I find announcements of official GDP figures for the US and other countries? | For immediate availability, by far the fastest (and cheapest) way to get macroeconomic figures as they are released, is by following (verified) Twitter accounts of the respective Central bank and institutions alike. Indeed, Twitter is the new trader tape. |
Specifically when do options expire? | 4PM is the market close in NYC, so yes, time looks good. If "out of the money," they expire worthless. If "in the money," it depends on your broker's rules, they can exercise the option, and you'll need to have the money to cover on Monday or they can do an exercise/sell, in which case, you'd have two commissions but... |
Is there a reason to buy a 0% yield bond? | No, there isn't. There are a number of reasons that institutions buy these bonds but as an individual you're likely better off in a low-yield cash account. By contrast, there would be a reason to hold a low-yield (non-zero) bond rather than an alternative low-yield product. |
How do I choose between buying a car or buying a plot of land in Pakistan? | “The plot of land definitely is going to give better results in long term.” Will it? Land is not guaranteed to go up in value. And a car can provide more employment opportunities for you. You need to look at your specific situation—with specific numbers—rather than using rules of thumb as hard guidelines. |
Is there a candlestick pattern that guarantees any kind of future profit? | I love technical analysis, and use candlesticks as part of my technical analysis system for trading mutual funds in my 401K. However, I would never use a candlestick chart on its own. I use combination of candlesticks, 2 different EMAs, MACD, bollinger bands, RSI and hand drawn trend lines that I constantly tweak. Th... |
Subsets and Splits
No community queries yet
The top public SQL queries from the community will appear here once available.