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When should you use an actively managed mutual fund in a 401k? | For US stocks it's a bit of a gamble. Many actively managed funds underperform the market indexes, but some of them outperform in many years. With an index you will get average results. With an active manager you "might" do better than average. So you can view active management as a higher risk, potentially higher rewa... |
Which US market indexes (Dow/DJIA, S&P500, NASDAQ) include reinvested dividends? | While the S&P500 is not a total return index, there is an official total return S&P500 that includes reinvested dividends and which is typically used for benchmarking. For a long time it was not available for free, but it can currently be found on yahoo finance using the ticker ^SP500TR. |
How to rebalance a passive portfolio if I speculate a war is coming? | At a risk of stating the obvious: a passive portfolio doesn't try to speculate on such matters. |
Historical share price at exact day and time | On 2012/05/18 at 15:34:00 UTC (11:34:00 EDT) FB was in chaos mode. The most recent public US trade at that moment was at $40.94, but in the next one second (i.e. before the clock hit 15:34:01) there were several dozen trades as low as $40.76 and as high as $41.00. On 2012/05/30 at 17:21:00 UTC (13:21:00 EDT) the most ... |
Is it wise to invest in a stock with a large Div yield? | There have been many interesting and correct answers but to give a direct answer to your first question, dividend yield is simply dividend over current share price. So, if the share price drops, your dividend yield increases proportionately. Dividend yield is not something one should use as the only source of informati... |
Do I need to own all the funds my target-date funds owns to mimic it? | Over time, fees are a killer. The $65k is a lot of money, of course, but I'd like to know the fees involved. Are you doubling from 1 to 2%? if so, I'd rethink this. Diversification adds value, I agree, but 2%/yr? A very low cost S&P fund will be about .10%, others may go a bit higher. There's little magic in creating ... |
What pension options are there for a 22 year old graduate in the UK? | Major things to consider: If you're expecting to look at the property market: it might prove to be sensible to start doing it now, since the market is just recovering, and (IMHO warning -I'm not a professional investor, just a random guy on the internet) prices still hasn't caught up with value fundamentals. check out... |
How to reconcile performance with dividends? | You didn't identify the fund but here is the most obvious way: Some of the stocks they owned could had dividends. Therefore they would have had to pass them on to the investors. If the fund sold shares of stocks, they could have capital gains. They would have sold stocks to pay investors who sold shares. They also coul... |
Joint Account for Common Earnings | Short Answer: Go to the bank and ask them about your options for opening a business account. Talk to an attorney about the paperwork and company structure and taxes. Long Answer: You and your buddies jointly own an unincorporated business. This is called a partnership. Yes, there is paperwork involved in doing it prope... |
First job: Renting vs get my parents to buy me a house | As everyone is saying, this depends on a lot of variables. However... I had my dad help me with the downpayment on my house. In my case, the cost of mortgage payment and all maintenance expenses is still lower than paying rent. If I sell my house and walk away from the closing office with just $1 then I've still come o... |
How does owning a home and paying on a mortgage fit into family savings and investment? | Like @littleadv, I don't consider a mortgage on a primary residence to be a low-risk investment. It is an asset, but one that can be rather illiquid, depending on the nature of the real estate market in your area. There are enough additional costs associated with home-ownership (down-payment, insurance, repairs) rela... |
How does Vanguard determine the optimal asset allocation for their Target Retirement Funds? | Googling vanguard target asset allocation led me to this page on the Bogleheads wiki which has detailed breakdowns of the Target Retirement funds; that page in turn has a link to this Vanguard PDF which goes into a good level of detail on the construction of these funds' portfolios. I excerpt: (To the question of why s... |
Is it legal to charge interest on interest? | Yes it most cases it is legal. Plus depending on how you look at it, the last payment of 1000 can be principal paid and interest was paid in initial installments. |
Should I scale down my 401k? | Because stock markets don't always go up, sometimes they go down. Sometimes they go way down. Between 2007 and 2009 the S&P 500 lost over half its value. So if in 2007 you thought you had just enough to retire on, in 2009 you'd suddenly find you had only half of what you needed! Of course over the next few years, many ... |
Interactive Brokers: IOPTS and list of structured products | Interactive Brokers offers global securities trading. Notice that the security types are: cash, stock (STK), futures (FUT), options (OPT), futures options (FOP), warrants (WAR), bonds, contracts for differences (CFD), or Dutch warrants (IOPT) There is a distinction between options (OPT), warrants (WAR), options on ... |
Formula that predicts whether one is better off investing or paying down debt | I ended up writing a simulation in R. Here is my code: It produces a plot like this: This code assumes you have a lump sum and either wish to pay down a loan or invest it all immediately. Feedback welcome. |
What is the best way to save money from inflation and currency devaluation? | Generally speaking, so-called "hard assets" (namely gold or foreign currency), durable goods, or property that produces income is valuable in a situation where a nation's money supply is threatened. Gold is the universal hard asset. If you have access to a decent market, you can buy gold as bullion, coins and jewelry.... |
Sell home to buy another home for cash | The cleanest way to accomplish this is to make the purchase of your new house contingent on the sale of your old one. Your offer should include that contingency and a date by which your house needs to sell to settle the contract. There will also likely be a clause that lets the seller cancel the contract within a pe... |
How to find a public company's balance sheet and income statement? | The balance sheet and income statements are located in the 10-K and 10-Q filings for all publicly traded companies. It will be Item 8. |
To pay off a student loan, should I save up a lump sum payoff payment or pay extra each month? | There are a few ways you can go about paying this off quickly (and safely): You could start paying $386 monthly (ie, double what you're paying now). You'll pay less interest in the long run because they can only charge you for the amount outstanding. Remember, 6.8% of $12k is more than 6.8% of $6k. However, your plan s... |
First time home buyer. How to negotiate price? | Whether applying for a job or buying a house, Offer a more specific price like $72,500, which tells them you thought hard about the price. $70K is too 'round' of a number. Additionally, your financial ability/condition can be a factor too. If you have 20% down, and your Realtor assures the seller that your transaction ... |
Why would a bank need to accept deposits from private clients if it can just borrow from the Federal Reserve? | Let's just focus on the "why would a bank need to accept deposits from private clients part" and forget the central bank for a moment. I'm a guy. I have a wife and two kids. They have this pesky habit of wanting to buy stuff. When I get paid, I could just get a check, cash it, stuff it under a mattress, and pull it out... |
How should I be contributing to my 401(k), traditional or Roth? | I wrote a brilliant guest post at Don't Mess With Taxes, titled Roth IRAs and Your Retirement Income. (Note - this article now reflects 2012 rates. Just updated) Simply put, it's an ongoing question of whether your taxes will be higher now than at any point in the future. If you are in the 25% bracket now, it would tak... |
Advantages of paying more of your mortgage while you know you won't continue to live there your whole life | Another factor: When you sell this house and buy the next one, the more equity you have the easier the loan process tends to be. We rolled prior equity into this house and had a downpayment over 50%--and the lender actually apologized for a technicality I had to deal with--they perfectly well knew it was a basically ... |
Why do consultants or contractors make more money than employees? | The "more money" aspect is only true if you ignore the lack of symmetry between employment and contracting. Consulting is another story altogether. Companies are willing to pay consultants for a number of reasons but the most important is deniability. If a decision is recommended and goes wrong then the consultants c... |
How can I stop wasting food? | The best way to stop wasting food is to create a weekly plan. Every weekend, before making your grocery shopping, take 30-60 mins and plan (with your spouse if your married) for the next week's meals. It doesn't need to be too detailed, but it'll help you to approximate what you need in terms of food for the whole week... |
Why do people buy insurance even if they have the means to overcome the loss? | Your basic point is correct; the savvy move is to use insurance only to cover losses that would be painful or catastrophic for you. Otherwise, self-insure. In the specific example of car insurance, you may be missing that it doesn't only cover replacement of the car, it also covers liability, which is a hundreds-of-tho... |
Strategies for putting away money for a child's future (college, etc.)? | Others have given some good answers. I'd just like to chime in with one more option: treasury I-series bonds. They're linked to an inflation component, so they won't lose value (in theory). You can file tax returns for your children "paying" taxes (usually 0) on the interest while they're minors, so they appreciate tax... |
Which Benjamin Graham book should I read first: Security Analysis or Intelligent Investor? | I would recommend reading Intelligent Investor first. It was written slightly more recently (1949) than Security Analysis (1934). More important is that a recently revised edition* of Intelligent Investor was published. The preface and appendix were written by Warren Buffett. Intelligent Investor is more practical as a... |
Do ETF dividends make up for fees? | It depends. Dividends and fees are usually unrelated. If the ETF holds a lot of stocks which pay significant dividends (e.g. an S&P500 index fund) these will probably cover the cost of the fees pretty readily. If the ETF holds a lot of stocks which do not pay significant dividends (e.g. growth stocks) there may not be... |
Why do some companies offer 401k retirement plans? | One important thing that hasn't been mentioned here is that the vast majority of companies have eventually eliminated their Company provided Pension Plans and replaced it with a 401K with some degree of matching. There is a cost advantage to doing this as companies no longer have to maintain or work to maintain a 100%... |
How does high frequency trading work if money isn't available for 2-3 days after selling? | Purchases and sales from the same trade date will both settle on the same settlement date. They don't have to pay for their purchases until later either. Because HFT typically make many offsetting trades -- buying, selling, buying, selling, buying, selling, etc -- when the purchases and sales settle, the amount they pa... |
Does material nonpublic information cover knowledge of unannounced products? | There's the question whether knowledge about unannounced products is actually "material" if everyone (the public) knows that something new will be released. If you work at Apple on the development of the iPhone 8, that's not material. If you worked at Apple and you knew that they stopped developing new phones, that wou... |
When shorting a stock, do you pay current market price or the best (lowest) available ask price? | I would never use a market order. Some brokerages have an approval process your short-sale goes through before going to market. This can take some time. So the market prices may well be quite different later. Some brokerages use a separate account for short sales, so you must get their approval for the account befor... |
I've got $100K to invest over the next 2 to 7 years. What are some good options? | Well, a proper answer needs a few more details: 1) What's your marginal tax bracket? (A CD is just plain silly for someone in a high tax bracket and in a high tax state) 2) What's your state of residence? 3) Do you have a 401k to draw on for a house loan in case of badly timed volatility? 4) What does will the rest of ... |
Changing Bank Account Number regularly to reduce fraud | We change it every so often to reduce fraud. This is idiocy. They receive regular payments. They are asking the people who pay them to regularly change where their money is being sent. This increases their exposure to fraud dramatically as each time the account is changed, there is a risk it will be changed to an accou... |
How do I make a small investment in the stock market? What is the minimum investment required? | There are more than a few ideas here. Assuming you are in the U.S., here are a few approaches: First, DRIPs: Dividend Reinvestment Plans. DRIP Investing: How To Actually Invest Only A Hundred Dollars Per Month notes: I have received many requests from readers that want to invest in individual stocks, but only have t... |
What would happen if the Euro currency went bust? | Krugman (Nobel prize in Economy) has just said: Greek euro exit, very possibly next month. Huge withdrawals from Spanish and Italian banks, as depositors try to move their money to Germany. 3a. Maybe, just possibly, de facto controls, with banks forbidden to transfer deposits out of country and limits on cash withdra... |
Advantages of Shareholder over Director in new Company | I know the general principles of acting as a director in a company, and am familiar with the rights of shareholders. In the last ten years or so, I believe Australia has introduced legislation that strongly punishes those directors who do not act in a professional or prudent manner. While I will of course attempt to fu... |
Historical Stock Prices of delisted company [duplicate] | You need a source of delisted historical data. Such data is typically only available from paid sources. According to my records, Lawson Software Inc listed on the NASDAQ on 7 Dec 2001 and delisted on 6 Jul 2011. Its final traded price was $11.23. It was taken over by Infor who bid $11.25 per share. Source: Symbol LWS... |
Close to retirement & we may move within 7 years. Should we re-finance our mortgage, or not? | I would think it depends on when within the 7 years you're planning to move. If you want to move within a year or two, the closing costs for the new mortgage may postpone the break even until after your move date; that wouldn't be a financially smart decision. If your plans suggest you're going to move after the break ... |
What evidence is there that rising interest rates causes Canadian condo prices to go down? | In general, prices are inversely proportional to rates; however, accurate interest rate prediction would make one worthy of managing a large credit derivative hedge fund. This is not to say that interest rates cannot go up in Canada since the world is currently undergoing a resource bust, and the United States has begu... |
What is the best way to help my dad consolidate his credit card debt at a lower rate? | I agree with you that you need to consolidate this debt using a loan. It may be hard to find a bank or credit organization that will give you an unsecured personal loan for that much money. I know of one, called Lending Club (Disclaimer - I'm an investor on this platform. Not trying to advertise, it's just the only pl... |
High Leverage Inflation Hedges for Personal Investors | I assume you're looking for advice, not an actual guaranteed-to-appreciate answer, yes? If you believe Treasury bonds will increase as fast as inflation, that may be the way to go. |
When trading put options, is your total risk decreased if you are in a position to exercise the option? | The risk situation of the put option is the same whether you own the stock or not. You risk $5 and stand to gain 0 to $250 in the period before expiration (say $50 if the stock reaches $200 and you sell). Holding the stock or not changes nothing about that. What is different is the consideration as to whether or no... |
Repaying Debt and Saving - Difficult Situation | She seems to be paying an inordinate amount of money for car payments. $850/month is just too high. She may be able to get by on public transit, depending on where she lives, but if not, she needs to look at selling her car and picking up a cheap second-hand vehicle. Public transit would probably save her $750/month. G... |
Is it prudent to sell a stock on a 40% rise in 2 months | Did you buy near the bottom? Suppose you did then the price is still 16% below. 50% fall and then 40% increase leaves a 16% gap. So there could still be upside. However, it appears that you are talking about a small-cap that is volatile. I wouldn't hold it. I would take the money and invest elsewhere. If you have a lot... |
How much life insurance do I need? | If I remember the information in "The Wealthy Barber" correctly, he said: And as someone once said to me, "make sure you're worth more alive than dead!" :-) |
Contract job (hourly rate) as a 1099: How much would I be making after taxes? | There are way too many details missing to be able to give you an accurate answer, and it would be too localized in terms of time & location anyway -- the rules change every year, and your local taxes make the answer useless to other people. Instead, here's how to figure out the answer for yourself. Use a tax estimate c... |
How much does taking a Microeconomics course help you understand the field of investing? | Not much at all, especially an introductory level Microeconomics class. There are a few reasons for this: That's not to say that Economics isn't worth studying. I loved both my Micro and Macro class. But I probably got more useful investing knowledge from a class on linear regression. |
What will be the long term impact of the newly defined minimum exchange rate target from francs to euro? | The total size of the eurozone economy is $13 trillion, whereas Switzerland'd GDP is about $0.5 trillion, so the eurozone is about 26 times larger. As such, I would not expect this move to have a large effect on the eurozone economy. On the margins, this may decrease somewhat eurozone exports to Switzerland and incre... |
Why do Americans have to file taxes, even if their only source of income is from a regular job? | One significant reason it makes sense for filing to be the default is home ownership rates. I think far more so than investment income, Americans own homes: as there is a significant mortgage interest deduction, between that and investments a large number of Americans would have to file (about a third of Americans get... |
How much time does a doctor's office have to collect balance from me? | If they had told me that I owe them $10,000 from 3 years ago, I wouldn't have anything to fight back. Why? First thing you have to do is ask for a proof. Have you received treatment? Have you signed the bill when you were done? This should include all the information about what you got and how much you agreed to pay.... |
Can I use stop limit orders on vanguard orders to prevent loss? | You've laid out a strategy for deciding that the top of the market has passed and then realizing some gains before the market drops too far. Regardless of whether this strategy is good at accomplishing its goal, it cannot by itself maximize your long-term profits unless you have a similar strategy for deciding that th... |
1040 or 1040NR this time? | Since you were a nonresident alien student on F-1 visa then you will be considered engaged in a trade or business in the USA. You must file Form 1040NR. Here is the detailed instruction by IRS - http://www.irs.gov/Individuals/International-Taxpayers/Taxation-of-Nonresident-Aliens |
When the market price for a stock is below a tender offer's price, is it free money (riskless) to buy shares & tender them? | It is not a "riskless" transaction, as you put it. Whenever you own shares in a company that is acquiring or being acquired, you should read the details behind the deal. Don't make assumptions just based on what the press has written or what the talking heads are saying. There are always conditions on a deal, and there... |
Live in Florida & work remote for a New York company. Do I owe NY state income tax? | This question came up again (Living in Florida working remotely - NY employer withholds NYS taxes - Correct or Incorrect?) and the poster on the new version didn't find the existing answers to be adequate, so I'm adding a new answer. NYS will tax this income if the arrangement is for the convenience of the employee. ... |
What things should I consider when getting a joint-mortgage? | Your lack of numbers makes the question a difficult read. What I'm hearing is "I want a house requiring a mortgage 8X my income." This alone is enough to suggest it's a bad deal. On a personal note, when my wife and I bought our house, it was 2.5X our income. 20% down, so the mortgage was exactly 2X income. And my wi... |
Why is day trading considered riskier than long-term trading? | It's important to distinguish between speculation and investing. Buying something because you hope to make money on market fluctuations is speculation. Buying something and expecting to make money because your money is providing actual economic value is investing. If Person A buys 100 shares of a stock with the intent... |
Are SPDR funds good for beginners? | No, SPDR ETFs are not a good fit for a novice investor with a low level of financial literacy. In fact, there is no investment that is safe for an absolute beginner, not even a savings account. (An absolute beginner could easily overdraw his savings account, leading to fees and collections.) I would say that an inves... |
Is there a benefit, long term, to life insurance for a youngish, debt, and dependent free person? | For most situations the "no need" answers are 100% correct. The corner case to think about depends on your health and your family history. Not to be morose, but if folks in your family who died young from heart issues, clusters of cancer or other terminal illnesses, you may want to consider getting medically qualified... |
Was this bill forgotten by a medical provider, and do notices need to be sent before collections? | check the DATE OF SERVICE on all your invoices carefully. It's possible you actually DID pay already. Sometimes when a medical provider gets "mostly" paid by a third party insurer, they just drop the (small) remainder, as it's more cost than it's worth if it is a trivial amount. Alternatively, they wait until you sho... |
Do retailers ever stock goods just to make other goods sell better? | Use of this is demonstrated in this video: https://youtu.be/Ip5jG3djdyk Stocking products that you have no intention of selling can be used to make other products look more appealing by comparison. It's more psychological than anything but it isn't an uncommon practice. |
What is the best way to make a bet that a certain stock will go up in the medium term? | Specific stock advice isn't permitted on these boards. I'm discussing the process of a call spread with the Apple Jan 13 calls as an example. In effect, you have $10 to 'bet.' Each bet you'd construct offers a different return (odds). For example, If you bought the $750 call at $37.25, you'd need to look to find what ... |
Is there a NY tax form to use when one is missing a K-1 (or 1065) from an LLC? | Form 10-K is filed by corporations to SEC. You must be thinking of form 1065 (its schedule K) that a partnership (and multi-member LLC) must file with the IRS. Unless the multi-member LLC is legally dissolved, it must file this form. You're a member, so it is your responsibility, with all the other members, to make sur... |
Analyze stock value | It seems like you want to compare the company's values not necessarily the stock price. Why not get the total outstanding shares and the stock price, generate the market cap. Then you could compare changes to market cap rather than just share price. |
Are stories of turning a few thousands into millions by trading stocks real? | Warren Buffett pointed out that if you set 1 million monkeys to flipping coins, after ten flips, one monkey in about 1,000 (1,024) actually, would have a "perfect" track record of 10 heads. If you can double your money every three to five years (basically, the outer limit of what is humanly possible), you can turn $1,0... |
How can a freelancer get a credit card? (India) | I don't know about India, but here in the US banks, and more friendly institutions such as credit unions, use to offer the option of a 'secured' credit card where the card was secured by placing a lock on money in a savings account equal to the credit limit on the card. So for example, if you had $1500 in savings, you ... |
How does compounding of annual interest work? | Here's how I have worked it out. Different answer to the one expected. Pretty sure it's right though. |
H&R Block says form 1120 not finalized? IRS won't take it yet? | This form is due March 15. This year, the 15th is Saturday, so the deadline is Monday March 17th. Keep in mind, the software guys would have two choices, wait until every last form is finalized before releasing, or put the software out by late November when 80%+ are good to go. Nothing is broken in this process. Keep... |
Is there such a thing as a deposit-only bank account? | Do you write checks? You are giving your bank account and routing number to anybody you have ever given a check to. Your employer is paying taxes on your behalf, so they need your social security number so they can pay your social security taxes. Account and routing numbers are how deposits are made. If you are conc... |
I earn $75K, have $30K in savings, no debt, rent from my parents who are losing their home. Should I buy a home now or save? | Plus, there's the feeling my parents want me to have a house in case we can't save the one we (my mom and brothers) all live in. First, you should not be forced to buy a home because your parents are telling you to. You should have your own life. Period. That said, while you are doing well from a salary perspective, ... |
How can put options be used to buy shares at a lower price? | Cart's answer describes well one aspects of puts: protective puts; which means using puts as insurance against a decline in the price of shares that you own. That's a popular use of puts. But I think the wording of your question is angling for another strategy: Writing puts. Consider: Cart's strategy refers to the bu... |
What tax software automatically determines the best filing status, etc? | Rob - I'm sorry your first visit here has been unpleasant. What you are asking for is beyond the capability of most software. If you look at Fairmark.com, you find the standard deduction for married filing joint is $12,200 in 2012, and $12,400 in 2013. I offer this anecdote to share a 'deduction' story - The first yea... |
Are the stocks of competitor companies negatively correlated? | In theory, say we had two soft drink companies, and no other existed. On Jan 1, they report they each had 50% market share for the past year. Over the next year, one company's gain is the other's loss. But over the year, for whatever reason, the market has grown 10% (all the stories of bad water helped this), and while... |
Dollar-cost averaging: How often should one use it? What criteria to use when choosing stocks to apply it to? | How often should one use dollar-cost averaging? Trivially, a dollar cost averaging (DCA) strategy must be used at least twice! More seriously, DCA is a discipline that people (typically investors with relatively small amounts of money to invest each month or each quarter) use to avoid succumbing to the temptation to ... |
When's the best time to sell the stock of a company that is being acquired/sold? | I'm not sure what you expect in terms of answers, but it depends on personal factors. It pretty well has to depend on personal factors, since otherwise everyone would want to do the same thing (either everyone thinks the current price is one to sell at, or everyone thinks it's one to buy at), and there would be no trad... |
Apartment lease renewal - is this rate increase normal? | What happened in the past, the rent you paid last year, is in the past. You shouldn't be concerned with the percentage increase, but with whether you want that apartment at the new rent for the coming year. If your rent had been half what it was last year and the new proposal were to double it, you would be outraged ... |
Funding an ira or roth ira | No, you don't have to have the money deducted from your paycheck. The IRS doesn't get a copy of your paycheck anyway. When you file your annual tax return (form 1040), there's a line there to write down the amount you contributed to the IRA. In fact, you can contribute to the IRA after the year ended, until the Tax Day... |
Why do some people say a house “not an investment”? | The below assessment is for primary residences as opposed to income properties. The truth is that with the exception of a housing bubble, the value of a house might outpace inflation by one or two percent. According to the US Census, the price of a new home per square foot only went up 4.42% between 1963 and 2008, whe... |
Relation between inflation rates and interest rates | I haven't read the terms here but the question may not have a good answer. That won't stop me from trying. Call the real rate (interest rate - inflation) and you'll have what is called negative real rates. It's rare for the overnight real rate to be negative. If you check the same sources for historical data you'll... |
Is it legal if I'm managing my family's entire wealth? | I transfer all their funds to my bank account Are they paying tax on that transfer? Gifts under $14,000 are excluded from taxation in the US, but they're going going to have a hard time arguing that it is a gift (since they expect it back). The taxes are almost certainly going to exceed the amount you can make from y... |
Why pay estimated taxes? | While the US tax code does not directly impose an obligation to pay estimated taxes, it does impose a penalty on individuals for failure to pay enough taxes either through withholding or estimated tax. USMTG Anyone can choose how s/he wants to pay their taxes but they better deal with any consequences of not paying the... |
UK - How to receive payments in euros | See my comment below about the official exchange rate. There is no "official" exchange rate to apply as far as I'm aware. However the bank is already applying the same exchange rate you can find in the forex markets. They are simply applying a spread (meaning they will add some amount to the exchange rate whichev... |
What can cause rent prices to fall? | In Memphis, Tn., rents were stabilized from falling in the recession because all the foreclosed on home owners added to the rental market, increasing demand and thus stabilizing pricing. |
How can rebuilding a city/large area be considered an economic boost? | You are not wrong. This is called the "Broken Window" fallacy in economics. Imagine if 20% of a population was employed to go around breaking windows. This would stimulate the economy as many people would have to be employed to make new windows, repair the broken windows, etc.. The problem is that everyone would have... |
Highest market cap for a company from historical data | Adjustments can be for splits as well as for dividends. From Investopedia.com: Historical prices stored on some public websites, such as Yahoo! Finance, also adjust the past prices of the stock downward by the dividend amount. Thus, that could also be a possible factor in looking at the old prices. |
What should I do with $4,000 cash and High Interest Debt? | If your credit is good, you should immediately attempt to refinance your high rate credit cards by transferring the balance to credit cards with lower interest rates.You might want to check at your local credit union, credit unions can offer great rates. Use the $4000 to pay off whatever is left on the high rate cards.... |
What is the ticker symbol of the mini Google stock? | Google will be issuing Class C shares (under the ticker symbol GOOCV) to current GOOG holders in the beginning of April. The Class C shares and Class A shares will then change symbols, with the Class C shares trading under GOOG. This was announced on January 30th. Details are in this benzinga article: Projected Tra... |
Are REIT worth it and is it a good option to generate passive income for a while? | There are tax strategies you could take advantage of if you own the property. Find local real estate investors that like 'buy and hold'. Additional strategy is to buy a property and sell it with owner financing (you use a Residential Mortgage Loan Officer to facilitate.) What is great is you can get a great % real retu... |
When people say 'Interest rates are at all time low!" … Which interest rate are they actually referring to? | I would say people are generally talking about the prime lending rate. I have heard the prime lending rate defined as "The rate that banks charge each other when they borrow money overnight." But it often defined as the rate at which banks lend their most creditworthy customers. That definition comes with the caveat th... |
Can paying down a mortgage be considered an “investment”? | Your mortgage represents a negative cash flow of $X for N months. The typical mortgage prepayment doesn't reduce your next payment, but does reduce the length of the mortgage. If you look at the amortization table of a 30 year loan, you might see a payment of $1000 but only $50 going to principal. So if on day one you ... |
Why would a bank take a lower all cash offer versus a higher offer via conventional lending? | A bank selling a foreclosed property would negotiate a lower cash deal, I doubt it would be that extreme, 130 vs 100. An individual seller may give up $10K to save time and get his next home closed as well, but again, I suspect it would be rare to find that large a delta. |
Can signing up at optoutprescreen.com improve my credit score? | Unsolicited credit checks like that don't affect your credit score. Those checks only count if they result from you applying for credit somewhere. So No. |
Why are Rausch Coleman houses so cheap? Is it because they don't have gas? | In northwest Arkansas, most of the houses this company offers do cost about 90 - 110 dollars per square foot. The exceptions use the Whitney plan, which has the following design features (and/or problems) which happen to save the builder a lot of money: One very nice feature is the U-shaped stairway in the center of t... |
What should I be aware of as a young investor? | nan |
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? | In the U.S., each state has its own local usury law. This website has a separate page for each state summarizing the local usury law and provides a reference to the local statute. The rules aren't simple: some set absolute limits, some appear to be pegged to something like the Prime Rate, some states don't have a gener... |
How does a change in market cap affect a company's operational decisions? | In practical terms, it shouldn't. Market cap changes every day (assuming public trading, of course) or even second-by-second, and focusing on investor sentiment toward your company's stock is not the wisest way to make strategic decisions. That being said, company execs do need to be mindful of unusual swings in their... |
How to calculate tax amounts withheld on mixed pre-tax and Roth 401(k) contributions, and match? | Its easier than that: employer matching contributions are always pre-tax. While your contribution is split between the pre-tax and the Roth post-tax parts, matching contributions are always pre-tax. Quote from the regulations I linked to: For example, matching contributions are not permitted to be allocated to a desig... |
Pros & cons in Hungary of investing retirement savings exclusively in silver? What better alternatives, given my concerns? | To be honest, I think a lot of people on this site are doing you a disservice by taking your idea as seriously as they are. Not only is this a horrible idea, but I think you have some alarming misunderstandings about what it means to save for retirement. First off, precious metals are not an "investment"; they are stor... |
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