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How can I determine if leaving a lower paying, tax advantaged, job for a higher paying one makes sense financially? | You'd be moving from 33.5K of taxable income + 16.5K of untaxable income, to 65K of taxable income (worst case). So the question is whether the net from the extra 31.5K of taxable income is more than the 16.5K, and since marginal tax rates in the relevant brackets are no more than 32% according to the table you posted ... |
What is the best way to stay risk neutral when buying a house with a mortgage? | You can hedge your house price from losing value if you believe that the housing market is correlated with major stock indices. Speak with a commodities broker because they will be able to help you buy puts on stock indices which if correlated with housing prices will offer somewhat of a hedge. Example. House prices dr... |
Why does the stock market index get affected when a terrorist attack takes place? | There are more than a few different ways to consider why someone may have a transaction in the stock market: Employee stock options - If part of my compensation comes from having options that vest over time, I may well sell shares at various points because I don't want so much of my new worth tied up in one company sto... |
Is there a sell-side version of dollar-cost averaging? | None of your options or strategies are ideal. Have you considered looking at the stock chart and making a decision? Is the price currently up-trending, or is it down-trending, or is it going sideways? As Knuckle Dragger mentions, you could just set a limit price order and if it does not hit by Friday you can just sell ... |
Does freedom to provide services allow me contracting in Germany without paying taxes there (but in my home EU country)? | You're free to provide services, but if you stay in one country for more than half a year - you're generally considered to be its resident for tax purposes. Germany is no exception to the rule, in fact - this is true to almost any country in the world. If you provide the services from Poland, and never set foot in Germ... |
Is buying a lottery ticket considered an investment? | From a mathematical expected-value standpoint, there is no difference between gambling (e.g. buying a lottery ticket) and investing (e.g. buying a share of stock). The former probably has negative expected value while the latter probably has positive expected value, but that is not a distinction to include in a defini... |
Is sales tax for online purchases based on billing- or shipping address? | From my understanding as a seller, and having read through Amazon's 8 page calculation methodology document, the default is the ship to address, however the seller still has the option to charge the tax or not, only charge the state rate and local (city, county, district, etc.) rate(s), or even set their own self-deter... |
What to consider before buying (exercising) a family member's private company employee stock options, about to expire? | The company may not permit a transfer of these options. If they do permit it, you simply give him the money and he has them issue the options in your name. As a non-public company, they may have a condition where an exiting employee has to buy the shares or let them expire. If non-employees are allowed to own shares,... |
I have savings and excess income. Is it time for me to find a financial advisor? | Whether your financial status is considered "OK" depends on your aspirations. You aren't spending more than you earn and have no debt. That puts you in the category of OK in my book, but the information in your post indicates that you would benefit from some financial advice--100 grand sounds like a lot of money to h... |
Insurance company sent me huge check instead of pharmacy. Now what? | This is not a mistake. This is done for "Out of Network" providers, and mainly when the patient is an Anthem member, be it Blue Shield or Blue Cross. Even though an "Assignment of Benefits" is completed by the patient, and all fields on the claim from (CMS1500 or UB04) are completed assigning the benefits to the provid... |
What kind of life insurance is cheaper? I'm not sure about term vs. whole vs. universal, etc | Term is the way to go. Whole/universal are basically a combo of term and savings, so buy term life insurance and invest the difference in cost yourself. You should make a lot more that way (as far as savings go) than by buying whole life. By the time term life gets too expensive to be worth (when you're a lot older) yo... |
Money put down on home | To quote Judge Judy: "Our courts are not in the business of settling assets of couples who decide to play house". This is one of the reasons we put off buying houses with a partner until we are married. The courts have rules for couples who marry, then split, but none for those who don't. In the scenerio you spelled... |
What are investment options for young married couple with no debt that have maxed out retirement savings? | 4.7 is a pretty low rate, especially if you are deducting that from your taxes. If you reduce the number by your marginal tax rate to get the real cost of the money you end up with a number that isn't far off from inflation, and also represents a pretty low 'yield' in terms of paying off the loan early. (e.g. if you... |
PayPal wants me to “add a bank account”, another funding source. Credit card isn't working. Why? | It's always a good idea to check your credit history on a regular basis - try checking your credit score from one of the independent providers recently (like Equifax) ? Maybe that will offer a clue what PayPal is doing. |
When should I walk away from my mortgage? | Many good answers here, especially that you have to consider that renting may be more expensive than you'd think. Also, keep in mind that rent is money that is completely lost. Even if the property has dropped in value, if you keep paying, you will be able to recuperate part of your mortgage payments when you sell the ... |
IS it the wrong time to get into the equity market immediately after large gains? | Past results are not a predictor of future results. There is no explicit upper bound on a market, and even if individual companies' values were remaining unchanged one would expect the market to drift upward in the long term. Plus, there's been some shift from managing companies for dividends to managing stocks for gr... |
Individual Client or Customer fining or charging a Company a penalty fee | What's the primary factor keeping a consumer from handing out fees as liberally as corporations or small businesses do? Power. Can an individual, or more appropriately, what keeps an individual from being able to charge, fine or penalize a Business? If it could be accomplished, but at a high cost, let's assume it's bas... |
Income tax on international income with money not deposited in India | Three points for you to keep in mind. 1. In the very first year, you should have 182 days outside India. So that in the year when you start your consultancy, you will not have any liability to pay tax on earning abroad. 2. Although you may be starting a consultancy abroad, if you do any services in India, there will be... |
How does refinancing work? | Since there was no sale, where does the money actually come from? From the refinancing bank. It's a new loan. How does a bank profit from this, i.e. why would they willingly help someone lower their mortgage payments? Because they sell a new loan. Big banks usually sell the mortgage loans to the institutional investors... |
What assets would be valuable in a post-apocalyptic scenario? | Guns. Without them, any other conceivable asset would be taken from you. By someone with guns. |
What is a mutual fund? | Let's say that you want to invest in the stock market. Choosing and investing in only one stock is risky. You can lower your risk by diversifying, or investing in lots of different stocks. However, you have some problems with this: When you buy stocks directly, you have to buy whole shares, and you don't have enoug... |
Formula for estimating amount needed to become full-time stock market investor | You can't get there from here. This isn't the right data. Consider the following five-year history: 2%, 16%, 32%, 14%, 1%. That would give a 13% average annual return. Now compare to -37%, 26%, 15%, 2%, 16%. That would give a 4% average annual return. Notice anything about those numbers? Two of them are in bot... |
If I put in a limit order for the same price and size as someone else, which order goes through? | The one whose order gets to the exchange first. The exchange receives the orders and arranges them in First-In-First-Out order, by which they're then executed. At some point it is synchronized and put into a list. Whoever gets to that point first - gets the deal. |
Why are Rausch Coleman houses so cheap? Is it because they don't have gas? | I have lived in my RC Home since 2008 and I have had ZERO PROBLEMS! We are in the process of building another RC home in a different community. The only thing I've done was replace the roof ONLY because of a very bad hail storm (baseball sized) that came through OKC. My mom also purchased a RC home in 2007 and didn't h... |
Debt collector has wrong person and is contacting my employer | Request verification in writing of the debt. They are required to provide this by law. Keep this for your records. Send them a notice by certified mail stating that this is not your debt and not to contact you again. Indicate that you will take legal action if they continue to try and collect. Keep a log of if/when th... |
What is the purpose of the wash sale rule? | Equal sized gains and losses in alternating years would lead to an unjust positive tax. On the contrary. If I can take my gains at the long term rate (15%) in even years, but take losses in odd years, up to $3000, or let them offset short term gains at ordinary rate, I've just gamed the system. What is the purpose o... |
Can I lose more on Forex than I deposit? | If you don't use leverage you can't lose more than you invested because you "play" with your own money. But even with leverage when you reach a certain limit (maintenance margin) you will receive a margin call from your broker to add more funds to your account. If you don't comply with this (meaning you don't add funds... |
Best way to start investing, for a young person just starting their career? | This is a tough question, because it is something very specific to your situation and finances. I personally started at a young age (17), with US$1,000 in Scottrade. I tried the "stock market games" at first, but in retrospect they did nothing for me and turned out to be a waste of time. I really started when I actuall... |
How does Vanguard determine the optimal asset allocation for their Target Retirement Funds? | While the Vanguard paper is good, it doesn't do a very good job of explaining precisely why each level of stocks or bonds was optimal. If you'd like to read a transparent and quantitative explanation of when and why a a glide path is optimal, I'd suggest the following paper: https://www.betterment.com/resources/how-we... |
What is the relationship between the earnings of a company and its stock price? | I have heard that people say the greater earning means greater intrinsic value of the company. Then, the stock price is largely based on the intrinsic value. So increasing intrinsic value due to increasing earning will lead to increasing stock price. Does this make sense ? Yes though it may be worth dissecting ... |
More money towards down payment versus long-term investments | There are two components to any non-trivial financial decision: Assuming that all things remain equal, borrowing money at a low rate while investing for a higher return is a no-brainer. The problem is, all things do not remain equal. For example: I think that you need to assess your position and preferences. I'd err o... |
Basic mutual fund investment questions | In summary, you are correct that the goal of investing is to maximize returns, while paying low management fees. Index investing has become very popular because of the low fees. There are many actively traded mutual funds out there with very high management fees of 2.5% and up that do not beat the market. This begs ... |
Why are interbank payment (settlement) systems closed for weekends and holidays? | TARGET2 is a high value realtime settlement system across Europe and for this to be open on weekends would mean all the Banks including Central Banks in the Euro Zone work. Quite a few times to manage intra day liquidity, banks borrow from each other, hence there is an active monitering of the liquidity by Banks. The b... |
Why are currency forwards needed? | Suppose you're a European Company, selling say a software product to a US company. As much as you might want the US company to pay you in Euros they might insist (or you'll lose the contract) that you agree pricing in USD. The software is licensed on a yearly recurring amount, say 100K USD per year payable on the 1st ... |
Why does a long/purchased call option have a long position in the option itself? | If it helps you to think about it, long is equivalent to betting for the upside and short is equivalent to betting for the downside. If you are long on options, then you expect the value of such options to increase. If you are long an option, then you own the option. If you are short an option, then generally you sol... |
Making $100,000 USD per month, no idea what to do with it | I would be more than happy to find a good use for your money. ;-) Well, you have a bunch of money far in excess of your regular expenses. The standard things are usually: If you are very confused, it's probably worth spending some of your windfall to hire professional help. It beats you groping in the dark and possibly... |
Is it possible to improve stock purchase with limit orders accounting for volatility? | There is no such thing as buying at the best price. That only exists in hindsight. If you could consistently predict the lower bound, then you would have no reason to waste your time investing. Quit your job and bet with all leverage in. What if the price never reaches your lower bound and the market keeps rallying? Wh... |
How does a company select a particular price for its shares? | In the case of an "initial public offering", the brokers underwriting the share issue will look at the current earnings being generated by the company and compare these to those of other competitor companies already listed in the stock market. For example, if a new telephone company is undertaking an initial public of... |
How do I build wealth? | You got some answers that essentially inform you that CEOs that have £200k written on their paysheet may in fact get much more. I'll take the opposite point of view and talk about people who (according to whatever definition) have a £200k/year income. How can they afford it Guess no 1: not all of them can (in the sens... |
How did I end up with a fraction of a share? | Theoretically, yes, you can only buy or sell whole shares (which is why you still have .16 shares in your account; you can't sell that fraction on the open market). This is especially true for voting stock; stock which gives you voting rights in company decisions makes each stock one vote, so effectively whomever contr... |
California resident, Delaware C-Corp - Taxes for 1-person software freelancer? | Supposedly this also means that I am free from having to pay California corporate taxes? Not in the slightest. Since you (the corporate employee) reside in CA - the corporation is doing business in CA and is liable for CA taxes. Or, does this mean I am required to pay both CA taxes and Delaware fees? (In this case,... |
Does borrowing from my 401(k) make sense in my specific circumstance? | Since most of the answers are flawed in their logic, I decided to respond here. 1) "What if you lose your job, you can't pay back the loan" The point of the question was to reduce the amount paid per month. So obviously it would be easier to pay off the 401k loan rather than the 3 separate loans that are in place now. ... |
How can I find a list of all North American ETF's including symbols? | You can use www.etfdb.com and search on geography. |
Is Real Estate ever a BAD investment? If so, when? | No, it can really not. Look at Detroit, which has lost a million residents over the past few decades. There is plenty of real estate which will not go for anything like it was sold. Other markets are very risky, like Florida, where speculators drive too much of the price for it to be stable. You have to be sure to buy ... |
Can stockholders choose NOT to elect a board of directors? | Under Sarbanes–Oxley, no. There are specific responsibilities vested in the board members. Without a CEO and a CFO, the quarterly financial reports cannot be signed off. Many countries have similar responsibilities for board members, and by the same reasoning therefore a need for board members. |
Once stock prices are down, where to look for good stock market deals? | Keep in mind, that bargain hunting will fail you from time to time. I know a lot of guys who bought Nortel at $10, planning to hold it until the inevitable recovery. |
Can an IRA be taxed? | The Motley Fool article is correct that if you earn UBTI over $1000, you will need to pay the tax, even if held in an IRA. C-corps won't generate UBTI, so you're fine with those. For non-C-corps, the most common are REITs, MLPs, and BDCs. REITs These typically invest in either real estate property or mortgages. ... |
Why do so many people trade a bankrupt company's stock? | It may have some value! Investopedia has a well-written quick article on how stock holders may still get some portion of the liquidated assets. While there is generally little left for common shareholders if the price of those shares is tiny and some money does come back to shareholders there can still be significant... |
How do you invest in real estate without using money? | I've been to one of these seminars: a) you can get a loan of up to $700,000 from the company and only have to pay a fixed amount for the use of money, but you have to pay the loan off in nine months. Or b) you can just invest say $50,000 and you'll get a return of say 4%. But what the company does is take all of the... |
Can I buy only 4 shares of a company? | Open an account with a US discount online broker, or with a European broker with access to the US market. I think ETRADE allow non-resident accounts, for instance, amongst others. The brokerage will be about $10, and there is no annual fee. (So you're ~1% down out of the gate, but that's not so much.) Brokers may ... |
Website for managing personal cash inflow and outflow, applicable to India? | http://www.mint.com attaches to all your accounts and lists all your transactions. I love it. |
Borrowing money to buy shares for cashflow? | Buying individual/small basket of high dividend shares is exposing you to 50%+ and very fast potential downswings in capital/margin calls. There is no free lunch in returns in this respect: nothing that pays enough to help you pay your mortgage at a high rate won’t expose you to a lot of potential volatility. Main issu... |
How do cashier's checks work and why are they good for scams? | There are two different issues at play here, and they are completely separate from each other: A bank or cashier's check is "safer" than a regular personal or business check because it avoids problem #1. Problem #2 exists with all kinds of paper checks. I assume the reason the warnings are about cashier's check moreso ... |
What's an economic explanation for why greeting cards are so expensive? | (At least in the UK) a company named Card Factory has been very successful in undercutting the competition using the classic pile 'em high and sell 'em cheap strategy with less glamorous high-street locations than 'traditional' stores. Interestingly it doesn't seem to have spawned either competition at their price poin... |
Why would you elect to apply a refund to next year's tax bill? | Not a financially sound decision in my humble opinion. Basically, you are prepaying your taxes and the only reason you want to do that is if you don't have the discipine to save that money for when it is time to pay next year (assuming you will have to). |
Does reading financial statements (quarterly or annual reports) really help investing? | I agree with @STATMATT. Financial statements are the only thing that Warren Buffett & Charlie Munger read. To answer your question though, really depends on what type of investor you are and what information are you trying to extract. It is essential for the Buffett style (buy & hold). But if you are a short term o... |
Is it safer to send credit card number via unsecured website form or by e-mail? What safer options are there? | Some (most) credit cards have a way to get a one-time use number. If that is an available option for one of your cards, that is probably the way to do the very risky transaction. These numbers can be good for only one purchase, or for multiple purchases with a single vendor. This will limit your exposure because they w... |
Debt collector has wrong person and is contacting my employer | Step one: Contact the collection agency. Tell them that they have the wrong person, and the same name is just a coincidence. I would NOT give them my correct social security number, birth date, or other identifying information. This could be a total scam for the purpose of getting you to give them such personal identif... |
Options strategy - When stocks go opposite of your purchase? | Robert is right saying that options' prices are affected by implied volatility but is wrong saying that you have to look at the VIX index. For two reasons: 1) the VIX index is for S&P500 options only. If you are trading other options, it is less useful. 2) if you are trading an option that is not at the money, your im... |
Interest on security deposits paid to landlords, in Michigan? | NO. The legislation requires the landlord to deposit it in a bank. Check out pages 7-10 of the linked document. There is no mention of interest. The second clause, I believe, is probably for large landlords who hold hundreds of thousands of dollars of security. http://www.legislature.mi.gov/documents/publications/... |
What should I be aware of as a young investor? | Consistently beating the market by picking stocks is hard. Professional fund managers can't really do it -- and they get paid big bucks to try! You can spend a lot of time researching and picking stocks, and you may find that you do a decent job. I found that, given the amount of money I had invested, even if I beat th... |
Is it better to use DRIP or invest when stock drops before ex-date? | Unless you suffer from the illusion that you can time the market, it honestly doesn't matter much; the difference is lost in the noise. That may be true even if you do suffer from that illusion. Also, as discussed here previously, the drop in a stock's price right after the dividend has been paid just reflects the fac... |
Confirm Dividend Yield | There are lots of provisos, but in general you are correct. The provisos, off the top of my head: The only fees will be any brokerage fees when you purchase the stock. I haven't seen any handling fees when you get the dividend, but it may depend on how you hold the stock. |
Shorting versus selling to hedge risk | It's not quite identical, due to fees, stock rights, and reporting & tax obligations. But the primary difference is that a person could have voting rights in a company while maintaining zero economic exposure to the company, sometimes known as empty voting. As an abstract matter, it's identical in that you reduce your... |
What do brokerage firms do? | You can get direct market access (DMA) but you have to pay for data, as this is part of the exchanges data plan, and there are plenty of other fees that are passed straight down to you. Your clearing firm also has fees that are passed on to you. In general you are looking at $150 a month on the low side, in data and so... |
What are “preferred” stocks? How are they different from normal (common) stocks? | It is just a different category of stock issued by a company that gives its owners different treatment when it comes to dividend payment and a few other financial transactions. Preferred stock holders get treated with some preference with regard to the company's profits and assets. For example, dividends are typically ... |
When the market price for a stock is below a tender offer's price, is it free money (riskless) to buy shares & tender them? | That price is the post-tender price, which already reflects arbitrage. It's less than $65 on the market because that's the highest offer out there and the market price reflects the risk that the $65 will not be paid. It also reflects the time value of money until the cash is disbursed (including blows to liquidity). ... |
Technical Analysis not working | I would echo @Victor's comments. One book and 1000 web pages doesnt make you a good investor/trader. There are some basic things you should be aware of and read up on There are a few books that I would recommend I have been trading for over 10 years, my dad for over 30 years and we are both continually learning new thi... |
What effect would currency devaluation have on my investments? | Stocks, gold, commodities, and physical real estate will not be affected by currency changes, regardless of whether those changes are fast or slow. All bonds except those that are indexed to inflation will be demolished by sudden, unexpected devaluation. Notice: The above is true if devaluation is the only thing going... |
Does it make sense to trade my GOOGL shares for GOOG and pocket the difference? | To keep it simple, let's say that A shares trade at 500 on average between April 2nd 2014 and April 1st 2015 (one year anniversary), then if C shares trade on average: The payment will be made either in cash or in shares within 90 days. The difficulties come from the fact that the formula is based on an average price o... |
Buying and selling the same stock | Sorry, no, any time you sell for a profit you owe tax. |
Are COBRA premiums deductible when self-employed? | Here is a quote from the IRS website on this topic: You may be able to deduct premiums paid for medical and dental insurance and qualified long-term care insurance for yourself, your spouse, and your dependents. The insurance can also cover your child who was under age 27 at the end of 2011, even if the child was... |
Early Exercise and 83(b) Election | You mention "early exercise" in your title, but you seem to misunderstand what early exercise really means. Some companies offer stock options that vest over a number of years, but which can be exercised before they are vested. That is early exercise. You have vested stock options, so early exercise is not relevant. (I... |
Should I sell when my stocks are growing? | My thoughts are that if you've seen considerable growth and the profit amassed would be one that makes sense, you would have to seriously consider selling NOW because it could take yeoman's time to mimic that profit in the next 10 quarters or so. To analogize; If you bought a house for 100k and we're renting it for sa... |
What happens to 401(k) money that isn't used by the time the account holder dies? | I understand the answers addressing the question as asked. Yes, inheriting a 401(k) can be a convoluted process. In general, it's best to transfer the account to an IRA after separation from the company to avoid the issues both of my esteemed colleagues have referenced. Given the issue of "allowed by not required" th... |
Does reading financial statements (quarterly or annual reports) really help investing? | Financial statements provide a large amount of specialized, complex, information about the company. If you know how to process the statements, and can place the info they provide in context with other significant information you have about the market, then you will likely be able to make better decisions about the comp... |
My friend wants to put my name down for a house he's buying. What risks would I be taking? | What are the risks, if any The risks are exemplified by the outcomes presented on this website, including: There's a chance you will end up paying large mortgage payments on a house occupied by an ex-friend and paying large amounts of money to lawyers to try and get things straightened out. You could come out of it a l... |
In a house with shared ownership, if one person moves out and the other assumes mortgage, how do we determine who owns what share in the end? | The ownership of the house depends on what the original deed transferring title at the time of purchase says and how this ownership is listed in government records where the title transfer deed is registered. Hopefully the two records are consistent. In legal systems that descended from British common law (including ... |
Can anybody explain the terms “levered beta riders”, “equity long-short” and “the quant process driven discipline” for me, please? | Leverage here is referring to "financial leverage". This is the practice of "levering" [ie increasing, like the use of a lever to increase the amount of weight you can lift] the value of your investment by taking on debt. For example: if you have 100k in cash, you can buy a 100k rental property. Assume the property ma... |
How to exclude stock from mutual fund | Chris - you realize that when you buy a stock, the seller gets the money, not the company itself, unless of course, you bought IPO shares. And the amount you'd own would be such a small portion of the company, they don't know you exist. As far as morals go, if you wish to avoid certain stocks for this reason, look at ... |
What is the purpose of property tax? | Property taxes cover more items than have already been mentioned. As an example, my property tax bill lists the following items: county general purpose, community college, police, police, headquarters, fire prevention, environmental bonds, sewage, town general purpose, highway department, building & zoning, town light... |
Automatic investments for cheap | For your purposes, I would recommend using direct investment in a no-load mutual fund. I mostly use Vanguard and would recommend them. They just about invented index funds, usually have the lowest (internal) expenses for index and many other funds, if you take electronic instead of paper statements there is no mainte... |
Withholding for unexpected Short-Term Capital Gains and Penalties | The safe harbor provision is based on the tax you or the prior year. So in 2016 this helped you as your tax was substantially increased from 2015. However, by the same token in 2017 your safe harbor amount is going to be very high. Therefore if 2017 is similar you will owe penalties. The solution here is to make estima... |
Online tools for monitoring my portfolio gains/losses in real time? | I use Google Finance too. The only thing I have problem with is dividend info which it wouldn't automatically add to my portfolio. At the same time, I think that's a lot to ask for a free web site tool. So when dividend comes, I manually "deposit" the dividend payment by updating the cash amount. If the dividend comes ... |
Ways to establish credit history for international student | I would like to establish credit history - have heard it's useful to gain employment and makes it easy to rent an apartment? Higher credit scores will make it easier with landlords, that's true. As to employment - they do background checks, which means that they usually won't like bad things, but won't care about the... |
Is 0% credit card utilization worse than 1-20% credit card utilization for any reason other than pure statistics? | you can relate everything on a credit report, and how things are calculated, to life scenarios. thats a 100% fact, and thats what people need to go by when designing their credit dicipline/diet. utilization: any kind of resource in life. water, food, energy, and etc. who would you want to live with more, the guy that j... |
Can I rollover an “individual retirement annuity” to an IRA? | You are not allowed to take a retirement account and move it into the beneficiary's name, an inherited IRA is titled as "Deceased Name for the benefit of Beneficiary name". Breaking the correct titling makes the entire account non-retirement and tax is due on the funds that were not yet taxed. If I am mistaken and titl... |
Are mutual funds a good choice for a medium to low risk investment with a two year horizon? | I assume you mean Stock Mutual funds. 2008 wasn't that long ago. Down 37%. 07/08 combined were down 34%, or 07/09 down 20%. The point of the long term is that over time, a decade will almost ensure a positive return. 2 years is too short, in my opinion. |
Why is retirement planning so commonly recommended? | Another thing that "retirement" lets you do is do what you love without worrying about making enough money to live on by doing it. For example, volunteering your time or starting your own business. These are much easier to do when you don't have to worry about getting paid. Having a source of income provides a lot mo... |
Mortgage vs. Cash for U.S. home buy now | Buying now with a mortgage gets you: Waiting to buy with all cash gets you: These are also some of the pros or cons for the rent or buy dilemma that Paul mentioned in comments to the OP. This is a very complex, multi-faceted question, that would not respond well to being put into any equation or financial model. Most p... |
Is is possible to dispute IRS underpayment penalties? | didn't pay the extra underpayment penalty on the grounds that it was an honest mistake. You seem to think a penalty applies only when the IRS thinks you were trying to cheat the system. That's not the case. A mistake (honest or otherwise) still can imply a penalty. While you can appeal just about anything, on any gr... |
How can I live outside of the rat race of American life with 300k? | The title of your question is quite different then the content. The term "Rat Race" was coined in the 70's and refers to the endless cycle of working hard to consume more. Fortunately it is very easy not to participate in the cycle and probably will lead to more happiness. Just because one "works" does not mean they... |
How to find an optimum linear combination of various investments? | You're talking about modern portfolio theory. The wiki article goes into the math. Here's the gist: Modern portfolio theory (MPT) is a theory of finance that attempts to maximize portfolio expected return for a given amount of portfolio risk, or equivalently minimize risk for a given level of expected return, by carefu... |
What are the contents of fixed annuities? | An annuity is a contract. Its contents are "a contractual obligation from the issuing company". If you want to evaluate how your annuity is likely to fare, you're essentially asking whether or not its issuer will honor its contract. They're legally required to honor the contract, unless they go bankrupt. (Even if they ... |
How are people able to spend more than what they make, without going into debt? | That's just his base salary for last year. Keep reading in the article: He also received $1.6 million worth of securit[ies]. Plus, he's probably earned plenty in salary, bonuses, and other compensation in previous years to more than keep up his lifestyle. He can also sell (relatively) small amounts of the stock he al... |
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... |
How to increase my credit score | Get a credit card is NOT the answer. The reason people have a bad (or no) credit score is often because they're new to the country, have just turned 18, have previously fallen into arrears or are just bad with money. Getting a credit card is risky because, if you don't stay on top of your payments, it'll just damage yo... |
Consolidate my debt? Higher APR, but what does that actually mean? | No, it means that each year (Annual Payment Rate) you are accruing interest at 29.8%. If your principal is $10,000, that means you are gaining $3,000 of debt per year in addition to this, excluding payments you make/interest on interest. |
Will ADR owner enjoy same benefit as common shares holders | The essential difference b/n ADR and a common share is that ADR do not have Voting rights. Common share has. There are some ADR that would in certain conditions get converted to common stock, but by and large most ADR's would remain ADR's without any voting rights. If you are an individual investor, this difference sh... |
How will I pay for college? | One potentially useful option to avoid the crippling tuition fees in the states is to instead get your degree abroad. Numerous European countries have very low tuition fees, even for international students. Tuition can be as low as a 1000 EUR and housing is generally also very affordable. There is of course the languag... |
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