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Why so much noise about USA's credit rating being lowered? | The credit scale is deceptive, it goes: AAA, AA, A, BBB, BBB-, BB+, BB, B, CCC, CC, C, D. In reality it should be A,B,C,D,E, F, G,H, I, etc. The current scale does not reflect with clarity the ranking of risks and ratings. AA is much worse than AAA, but the uncertainty involved can be scary. Check out these corporate a... |
Interactive Brokers: IOPTS and list of structured products | I think an IOPT is a Dutch warrant. Someone else might understand what this is. |
How come we can find stocks with a Price-to-Book ratio less than 1? | A lower Price/Book Value means company is undervalued. It could also mean something horribly wrong. While it may look like a good deal, remember; |
If I short-sell a dividend-paying stock, do I have to pay the dividend? | The answer provide by @mbhunter is correct, however there are contexts, shorting in spot market and carrying the position over settlement usually does not entail payment of dividend to the broker, one of the reason being post ex-date the price of the share downward adjusts to the extent of the dividend, so practically ... |
Why invest in IRA while a low-cost index fund is much simpler? | Whoa. These things are on two dimensions. It's like burger and fries, you can also have chicken sandwich and fries, or burger and onion rings. You can invest in an taxable brokerage account and/or an IRA. And then, within each of those... You can buy index funds and/or anything else. All 4 combinations are possibl... |
Long term saving: Shares, Savings Account or Fund | There is no rule of thumb (although some may suggest there is). Everybody will have different goals, investment preferences and risk tolerances. You need to figure this out by yourself by either education yourself in the type of investments you are interested in or by engaging (and paying for) a financial advisor. You ... |
In USA, what circumstances (if any) make it illegal for a homeless person to “rent” an address? | It depends on the rules in the specific places you stay. Specific places being countries or states. Some states may consider pension payments to be taxable income, others may not. Some may consider presence for X days to constitute residency, X days may be 60 days in a calendar year whether or not those days are co... |
Can an ETF perform differently than its holdings? | The Creation/Redemption mechanism is how shares of an ETF are created or redeemed as needed and thus is where there can be differences in what the value of the holdings can be versus the trading price. If the ETF is thinly traded, then the difference could be big as more volume would be where the mechanism could kick i... |
How is Discover different from a Visa or a MasterCard? | Each of those is a network. Merchants displaying their logos - participate in their network and will accept cards that bear the same logo. Most merchants participate in more than one network. Discover is mostly used in the US, while Visa, Mastercard and American Express are more widely spread in the world (Amex less, V... |
Is insurance worth it if you can afford to replace the item? If not, when is it? | The key point to answer the question is to consider risk aversion. Assume I suggest a game to you: Throw a coin and if you win, you get $5, if you lose nothing happens. Will you play the game? Of course, you will - you have nothing to lose! What if I suggest this: If you win, you get $10,000,005 and if you lose you mus... |
How do insurance funds work? | Sometimes 403b's contain annuities or other insurance related instruments. I know that in many New York schools the local teacher unions administer the 403b plan, and sometimes choose proprietary investments like variable annuities or other insurance products. In New York the Attorney General sued and settled with the... |
Do Square credit card readers allow for personal use? | Yes. From their TOS: "By creating a Square Account, you confirm that you are either a legal resident of the United States, a United States citizen, or a business entity...". |
Is sales tax for online purchases based on billing- or shipping address? | From Amazon's Site: "If an item is subject to sales tax in the state to which the order is shipped, tax is generally calculated on the total selling price of each individual item." I'm going to trust a company of this size has this correct. Shipping address. |
Purchasing options between the bid and ask prices, or even at the bid price or below? | I understand the question, I think. The tough thing is that trades over the next brief time are random, or appear so. So, just as when a stock is $10.00 bid / $10.05 ask, if you place an order below the ask, a tick down in price may get you a fill, or if the next trades are flat to higher, you might see the close at $1... |
How does Robinhood stock broker make money? | Disclosure: I don't have an iPhone, so I don't use RobinHood. That being said, I have a less "they're-out-to-get-ya" view of what they're doing. As a small business owner (2 businesses), employees cost the most. If you can create a solid business with few (or no) employees and let robots run it, you will drastically ... |
interest rate on online banks | There are no "on-line" banks in Israel. There were various attempts to create something that would look like an online bank (HaYashir HaRishon comes to mind, Mizrahi did something similar recently), but that essentially is a branch of a brick and mortar bank (Leumi and Mizrahi, respectively) that allows you online mana... |
Should I finance a new home theater at 0% even though I have the cash for it? | Debt creates risk. The more debt you take on, the higher your risk. What happens if you lose your job, miss a payment, or forget to write the final payment check for the exact amount needed, and are left with a balance of $1 (meaning the back-dated interest would be applied)? There is too much risk for little reward... |
Should I consider my investment in a total stock market fund “diverse”? | You are diversified within a particular type of security. Notably the stock market. A truly diversified portfolio not only has multiple types of holdings within a single type of security (what your broad market fund does) but between different types. You have partially succeeded in doing this with the international fun... |
Do overall 401(k) contribution limits sum across employers? | Let me first start off by saying that you need to be careful with an S-Corp and defined contribution plans. You might want to consider an LLC or some other entity form, depending on your state and other factors. You should read this entire page on the irs site: S-Corp Retirement Plan FAQ, but here is a small clip: Co... |
If a stock has only buyers and no sellers how does its price go up? | You can, in theory, have the stock price go up without any trading actually occurring. It depends on how the price is quoted. The stock price is not always quoted as the last price someone paid for it. It can also be quoted as the ask price, which is the price a seller is willing to sell at, and the price youd pay if y... |
Can the Standard Deduction still apply to a Traditional IRA early withdrawal? | IRA distributions are reported on line 15b on the standard form 1040. That is in the same Income section as most of your other income (including that 1099 income and W2 income, etc.). Its income is included in the Line 22 "Total Income", from which the Personal Exemption (calculated on 6d, subtracted from the total i... |
Payroll reimbursments | As @Dilip suggested in the comments, the problem is the accountability of the reimbursement plans. In order for the reimbursement to be non-taxable, there has to be a reimbursement plan and policy set up by the employer, it has to be done per receipt, and accounted for correctly. If the employer just cuts you a check -... |
Option settlement for calendar spreads | First off, you should phone your broker and ask them just to be 100% certain. You will be exercised on the short option that was in the money. It is irrelevant that your portfolio does not contain AAPL stock. You will simply be charged the amount it costs to purchase the shares that you owe. I believe your broker would... |
New company doesn't allow 401k deposits for 6 months, what to do with money I used to deposit? | $9000 over 6 months is great, I'd use it for long term savings regardless of the 401(k) situation. There's nothing wrong with a mix of pre and post tax money for retirement. In fact, it's a great way to avoid paying too much tax should your 401(k) withdrawals in retirement push you into a higher bracket. Just invest th... |
Is the Yale/Swenson Asset Allocation Too Conservative for a 20 Something? | That looks like a portfolio designed to protect against inflation, given the big international presence, the REIT presence and TIPS bonds. Not a bad strategy, but there are a few things that I'd want to look at closely before pulling the trigger. |
Why naked call writing is risky compare to Covered call? | If the buyer exercises your option, you will have to give him the stock. If you already own the stock, the worst that can happen is you have to give him your stock, thus losing the money you spend to buy it. So the most you can lose is what you already spent to buy the stock (minus the price the buyer paid for your o... |
Is it wise to sell company stock to pay down a mortgage? | Simply if your stock is still rising in price keep it. If it is falling in price sell it and pay off your mortgage. To know when to do this is very easy. If it is currently rising you can put a trailing stop loss on it and sell it when it drops and hits your stop loss. A second easy method is to draw an uptrend line un... |
Why aren't bond mutual funds seeing huge selloffs now? | The Fed sets the overnight borrowing costs by setting its overnight target rate. The markets determine the rates at which the treasury can borrow through the issuance of bonds. The Fed's actions will certainly influence the price of very short term bonds, but the Fed's influence on anything other than very short term ... |
How do I establish the cost basis of shares bought in an employee stock purchase program? | A public company should have a link for investor relations, which should help provide a trail of basis if this is a matter of company buyout, takeover, etc. This gets you close, but if you don't have an exact date, it will just be close, not exact. One clean way out of this, assuming the goal is to get rid of the sto... |
Specifically when do options expire? | Here is the answer from my brokerage: Regular equity monthly options expire on the 3rd Friday of every month. The last time to trade them is by market close at 4 PM Eastern time. The weekly options will expire on the Friday of that week, also with a last trading time of 4 PM Eastern time. Options that expire in the mon... |
How hard for US customers make payments to non-resident freelancer by wire transfer? | Can you tell me please, is it really hard to make international wire transfer for payment my job and can i resolve this problem without using third party services? This is mostly a barrier, the form at times is quite complicated. For Russia, one has to enter "Purpose of remittance" ... at times select intermediate bank... |
What are the financial advantages of living in Switzerland? | Companies, especially big ones, find in Switzerland a business-friendly environment and often benefit from a special tax regime. Don't mix the companies interests with yours. |
Algorithmic trading in linux using python | I don't think any open source trading project is going to offer trial or demo accounts. In fact, I'm not clear on what you mean by this. Are you looking for some example data sets so you can see how your algorithm would perform historically? If you contact whatever specific brokers that you'd like to interface with, th... |
What determines price fluctuation of groceries | That is true. Since commodities are basically a futures contract, their actual price is not reflected in grocery stores. It is more of a supply and demand issue with your grocer. |
How can cold-callers know about my general financial status | Just a note about cold callers: I own a phone which I use solely for software development purposes. It has a SIM card that I bought for £0.99 on eBay (needed to activate the phone). Nobody knows that there is any relationship between me and that phone or it's phone number. I have never paid any phone charges, and I can... |
What's a normal personal debt / equity ratio for a highly educated person? | The problem with having no debt at all and relying totally on your income from working is that if you lose your job you'll have no income. Now there are 2 types of debt: good debt and bad debt. You should stay away from bad debt. But good debt is good — it should produce an income higher than the interest payments on t... |
New company doesn't allow 401k deposits for 6 months, what to do with money I used to deposit? | Short answer is fund a Roth. If you are under 50 then you can put in $5500 or $6500 if you are older. Great to have money in two buckets one pre tax and one post tax. Plus you can be aggressive putting money in it because you can always take money you put in the Roth out of the Roth with no tax or penalty. Taxes a... |
Why do credit cards have minimum limits? | They have a minimum to discourage applications for that particular card. Every application costs them money because they have to pay the credit agencies to pull the applicant's credit history. So one way they save money and reduce their cost of business is to discourage people from applying if they're not creditworthy ... |
Details on opening a small corporation in ontario | The Canada Revenue Agency does indeed put out just the guide you want. It's at http://www.cra-arc.gc.ca/E/pub/tg/rc4070/rc4070-e.html - you should always take a good look at URLs to make sure they're really from the government and not from some for-profit firm that will charge you to fill out forms for free services. I... |
Where does the stock go in a collapse? | If we can agree that 2010 was closer to the low of 2009 than 2007 then the rich did all the buying while the super-rich did all the selling. http://www2.ucsc.edu/whorulesamerica/power/wealth.html Looks like the rich cleaned up during the Tech Crash too, but it looks like the poor lost faith. That limited data makes it ... |
Is it necessary to pay tax if someone lends me money to put into my mortgage? | I can't vouch for Australian law, but in the US there is actually a recognized mechanism for "in-family loans" which ensures that it's all fully documented for tax purposes, including filing it as an official second mortgage. (Just did that recently in my own family, which is why I'm aware of it.) We're required to cha... |
Dormant company, never paid taxes, never traded in UK - should I have notified the HMRC? | You don't have to register for corporation tax until you start doing business: After you’ve registered your company with Companies House, you’ll need to register it for Corporation Tax. You’ll need to do this within 3 months of starting to do business. Since you haven't needed to do that yet, there also shouldn't be an... |
How can I lookup the business associated with a FEIN? | I think much of that info is hidden behind pay-walls. Here is one site I've found. http://www.feinsearch.com/ Another that is for non-profits only is guidestar. http://www.guidestar.org/rxg/products/nonprofit-data-solutions/product-information/guidestar-premium/advanced-nonprofit-search.aspx |
How can I generate $250/month every month from $4000 that I have? | How can I use $4000 to make $250 per month for the rest of my life? This means the investment should generate close to 6.25% return per month or around 75% per year. There is no investment that gives this kind of return. The long term return of stock market is around 15-22% depending on the year range and country. |
Is there a way I can get bid/ask price data on the NSE in real time? | Yes apply for live and dynamic data (you may have to pay for this depending on your broker and your country) and look at the market depth. |
How do I choose between buying a car or buying a plot of land in Pakistan? | Your question has an interesting mix of issues. ASAP and 3-4 years doesn't feel like the same thing. ASAP results in bad decisions made in haste. Four years of living very frugally can create a nice down payment on a house. A car is only an investment for Uber drivers and those who are directly financially benefit... |
How does start-up equity end up paying off? | You will probably never see it. The startup at some point may start issuing dividends to the shareholders (which would be the owners, including you if you are in fact getting equity), but that day may never come. If they hire others with this method, you'll likely lose even that 5% as more shares are created. Think ... |
Why could the serious financial woes of some EU member states lead to the end of the Euro? | The Euro is a common currency between various countries in Europe. This means that individual countries give up their traditional sovereign control of their own currency, and cede that control to the EU. Such a system has many advantages, but it also means that individual countries cannot deal with their unique situat... |
Investing in dividend-yielding stocks with money borrowed from margin account? | You can use long-term options called LEAPS to increase dividend yield. Here's how it works: Let's say you buy a dividend-yielding stock for $38 that pays an annual dividend of $2 for a 5.3% yield. Next, you SELL a deep-in-the-money LEAPS options. In this hypothetical we'll sell the $25 call option for $13. That now red... |
What are the downsides that prevent more people from working in high-income countries, and then retiring in low-income (and cost of living) ones? | I'm currently working as an expat, and my grandparents used to work overseas but retired to Canada so you could say my family has done things completely the opposite of what you suggest. However there are a number of very good reasons that my grandparents have done things the way we have, and I think it's worth sharing... |
Health Insurance and Disability Question | Sorry to hear about your spouse's health issues. May he have a speedy and, as far as possible, full recovery. The Patient Protectection and Affordable Care Act (PPACA, aka Obamacare) is now the law of the land. Among its many provisions are that insurers may no longer deny coverage for pre-existing conditions, they may... |
If I have AD&D through my employer, should I STILL purchase term life insurance? | I think that mbhunter hit the nail on the head regarding your question. I just want to add that having a policy that isn't sponsored by your employer is a good idea... employer policies are regulated by the federal government via ERISA. Independent policies are state regulated, and usually have better protections. Also... |
Why is gold not a good investment? | I think what the person meant to say is that Gold is not a one stop solution. There's nothing wrong with having Gold in an otherwise diversified portfolio but you need to be aware about the potential downsides: The problem with gold is that its value nowadays depends mainly on investor confidence, or the lack of it (ac... |
How can I diversify $7k across ETFs and stocks? | An index fund is inherently diversified across its index -- no one stock will either make or break the results. In that case it's a matter of picking the index(es) you want to put the money into. ETFs do permit smaller initial purchases, which would let you do a reasonable mix of sectors. (That seems to be the one adva... |
Online accounting with Stripe/PayPal transactions | Crickets here, so I'll respond with what I ended up doing. At the end of each month, I download transaction data from each of Stripe and PayPal. For each, I do the following: So it is just six entries in Wave per month plus a little spreadsheet manipulation to determine revenues and fees. Takes about 10 minutes to do... |
How Emini/Minifuture price is set against its underlaying instrument? | The market sets prices and the way JP Morgan or any other bank or organization determines the price it's willing to deal in would be proprietary business information. |
15 year mortgage vs 30 year paid off in 15 | Consider the "opportunity cost" of the extra repayment on a 15 year loan. If you owe money at 30% p.a. and money at 4% p.a. then it is a no brainer that the 30% loan gets paid down first. Consider too that if the mortgage is not tax deductable and you pay income tax, that you do not pay tax on money you "save". (i.e. ... |
Townhouse or stand-alone house for a first home? | If you buy a townhouse, you often are in a condominium arrangement in the US (when you're really in a rowhouse in particular). So that's a downside right away: you have to have a HOA, or at least some sort of common agreement, though it might not have formal meetings. Everyone who owns an interest in the entire group... |
Is there an advantage to keeping a liquid emergency fund if one also has an untapped line of credit? | Why can't you have both? If you do have both credit and an emergency fund, and an emergency occurs, you can draw from the line of credit first. Having debt + cash is a much more stable situation than having neither, because then you have the option to use the cash to pay off the debt, or use the cash to pay other expen... |
Buy securities at another stock exchange | Really arbitrage means that, currency risk aside, it shouldn't matter which exchange you buy on in price terms alone. Arbitrage will always make sure that the prices are equivalent otherwise high frequency traders can make free money off the difference. In practical terms liquidity and brokerage costs usually make trad... |
To rebalance or not to rebalance | Rebalancing is, simply, a way of making sure your risk/reward level is where you want it to be. Let's say you've decided that your optimal mix is 50% stocks and 50% bonds (or 50% US stocks, 50% international, or 30/30/30 US large-cap/US small-cap/US midcap...). So you buy $100 of each, but over time, the prices will o... |
Is it easier for brokers to find shares to short in premarket? | The shares available to short are a portion of those shares held by the longs. This number is actually much easier to determine outside of active trading hours, but either way doesn't really impact the matter at hand since computers are pretty good at counting things. If your broker is putting up obstacles to your issu... |
Dividend yield for multiple years? | Dividend yield is a tough thing to track because it's a moving target. Dividends are paid periodically the yield is calculated based on the stock price when the dividend is declared (usually, though some services may update this more frequently). I like to calculate my own dividend by annualizing the dividend paymen... |
Can my own corporation deduct my expenses even if I am a full time employee? | No, your business cannot deduct your non-business expenses. You can only deduct from your business income those reasonable expenses you paid in order to earn income for the business. Moreover, for there to be a tax benefit, your business generally has to have income (but I expect there are exceptions; HST input tax cr... |
Is it wise to invest small amounts of money short-term? | This is slightly opinion based. Is it appropriate to invest small amounts for short periods of time? At your age and the time period, I would say NO. This is because although the index fund do return 6-7% on average, there are several times it blips and goes negative as well. Stock Markets in short periods like 6 mont... |
Is there an advantage to keeping a liquid emergency fund if one also has an untapped line of credit? | People treat an emergency fund as some kind of ace-in-the-hole when it comes to financial difficulty, but it is only one of many sources of money that you can utilize. What is an emergency? First, you have to define what an emergency is. Is it a lost job? Is it an unplanned event (pregnancy, perhaps)? Is it a medica... |
How do I explain why debt on debt is bad to my brother? | I'm not sure how much living expenses are there but half of $12,600 in the US would be a decent monthly income. I agree that debt on debt would just add to his problems, sort of like quicksand, the interest will just makes a person sink deeper and deeper. It seems like it might take some more radical options here to... |
How to gift money anonymously to an individual after collection thru a donation site? | Regarding the tax implications half of your question ... There seem to be a lot of articles that say there's not yet any established law concerning the tax treatment of crowdsourced funds. Since your objective is gift-giving rather than business purposes, it would seem that the gift tax rules would apply, and gift taxe... |
What risks are there acting as a broker between PayPal and electronic bank transfers? | I too received a "job offer" from this CENEO outfit but mine was a proof reading position.Supposedly,I was to edit the email they were sending to U.S. customers. They needed proof reading alright,I've never seen such atrocious grammar and syntax.Half the time I could not figure out what these polaks were trying to conv... |
Do dark pools have to declare the volume transacted at the end of the day? | Members of the Federal Reserve System keep track of what money a bank has (if it's not in the vault), who owns what shares of stock, who owns what bond, etc. The part of the Federal Reserve System that tracks stock ownership is the Depository Trust Company (DTC). They have a group of subsidiaries that settle various ty... |
Beyond RRSP deductions, how does a high income earner save on taxes? | That's not especially high income, and while I can't speak for Canadians, most of us south of the border just pay the tax. There are tax-advantged retirement savings plans, and charitable donations are often offset by a tax credit, and there are some tax incentives for mortgages, and so on.. but generally the right an... |
ACH processing time of day | Each bank is different, so your question needs to be more specific. For instance, I believe Paypal and Chase settles at 7pm EST on business days. Bank of America at 5PM. |
Why is Google's current nasdaq market cap almost twice the current share price * the No. of shares outstanding? | For each class A share (GOOGL) there's a class C share (GOOG), hence the missing half in your calculation. The almost comes from the slightly higher market price of the class A shares (due to them having voting powers) over class C (which have no voting powers). There's also class B share which is owned by the founders... |
Where can I get a list of all Stocks that were acquired or went bankrupt | Where can I download all stock symbols of all companies "currently listed" and "delisted" as of today? That's incredibly similar . You can also do it with a Bloomberg terminal but there's no need to pay to do this because he data changes so slowly. |
Which Benjamin Graham book should I read first: Security Analysis or Intelligent Investor? | Read the Security Analysis. I believe if you read it completely, you will have a real good chance of succeeding at making good money. If you find the book hard to read just go through it and underline under the text as you read it. |
What options are available for a home loan with poor credit but a good rental history? | Take the long term view. Build up the cash. Once you have enough cash in the bank, you don't need a credit score. With 6 months living expenses in the bank after paying 20% down on a small house, he should have no issues getting a reasonably priced mortgage. However, if he waited just a bit longer he might buy the... |
Optimal down payment amount | The optimal down payment is 0% IF your interest rate is also 0%. As the interest rate increases, so does the likelihood of the better option being to pay for the car outright. Note that this is probably a binary choice. In other words, depending on the rate you will pay, you should either put 0% down, or 100% down. The... |
2008-2009 Stock Market Crash — what caused the second drop? | Ultimately no one really knows what causes the markets to rise and fall beyond supply and demand. If more people want to buy then sell, prices go up. And if more people want to sell, prices go down. The news channels will often try to attribute a specific reason to the price move, but that is largely just guess work to... |
Multi-Account Budgeting Tools/Accounts/Services | I know of websites that do this, but I don't know of banks that do. Is there any reason you want to do this at a bank rather than use a service? My main concern with using a bank for this would be the risk of overdraft fees |
ESPP in the UK - worth it? Disqualifying / qualifying sales? | ESPP is common among US companies, often with a framework similar to your outline. In the US, some ESPPs allow sales of shares to be considered qualifying (subject to capital gains rather than ordinary income tax) if they are sold at least 2 years after the enrollment date and at least 1 year after the purchase date. ... |
Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? | Are you in the United States? Is there some sort of written agreement that the money your parents paid into the house is a loan that will be paid back? I assume the deed to the home is in your name, and your parents do not have a lien on the property in any way? In the United States provided there is no lien and your ... |
Little hazy on how the entire RSU's and etrade works | Is the remaining amount tax free? As in, if the amount shown (which I can sell) on etrade is $5000 then if I sell the entire shares will my bank account be increased by $5000? The stocks they sell are withholding. So let's say you had $7000 of stock and they sold $2000 for taxes. That leaves you with $5000. But the ... |
Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? | You are being ripped off on several counts. 1) 40k is 26% not 25%. 2) Why should you pay them $500 rent? they bought a share of the property, they should fund it if they intend to keep 75% 3) Why do you need to pay them for the 75%? why dont they need to pay you for the 25%? You are better off getting a loan for the 75... |
Is it possible to make money by getting a mortgage? | To keep the math simple, say you are in the 25% federal tax bracket. Your 4% mortgage effectively costs you 3%. Did Mr Advisor tell you what he suggests investing the money in? Borrowing at 3% net to put the money in .1% CDs makes little sense. And for most people, investing it in the stock market hoping to come out ah... |
Changed from job that had a 401K, and the new one doesn't. How do I answer when filing? | If you had a retirement plan at any time in 2013 you are considered covered by an plan. Are You Covered by an Employer's Retirement Plan? You’re covered by an employer retirement plan for a tax year if your employer (or your spouse’s employer) has a: Defined contribution plan (profit-sharing, 401(k), stock bonus and ... |
Does bull/bear market actually make a difference? | If you know what you are doing, bear markets offer fantastic trading opportunities. I'm a futures and futures options trader, and am equally comfortable trading long or short, although I have a slight preference for the short side, in that moves are typically much quicker to the down side. |
How to transfer personal auto lease to business auto lease? | I'd approach the lender that you're getting the lease from, but be prepared for them either saying 'no' to putting the lease into the name of an LLC without any proven track record (because it hasn't been around for a while) or require you to sign a personal guarantee, which partially defeats the purpose of putting the... |
Flexplan - a company is taking over another, do I pay the balance? | This is only one of a series of questions your friend needs to understand. They will also need to know what happens to: vacation balances; the vacation earning schedule; retirement fund matching; the pension program; all the costs and rules regarding health, dental and vision;life insurance amounts. Some of these can b... |
how much of foreign exchange (forex/fx) “deep liquidity” is really just unbacked leverage and what is the effect? | In essence the problem that the OP identified is not that the FX market itself has poor liquidity but that retail FX brokerage sometimes have poor counterparty risk management. The problem is the actual business model that many FX brokerages have. Most FX brokerages are themselves customers of much larger money center ... |
What happens to options after a stock split? | Since you asked about Apple, and I happen to have two positions - This is what happened. I was long the $500, short the $600, in effect, betting Apple would recover from its drop from $700 down to $450 or so. Friday, my target was to hope that Apple remain above $600, but not really caring how much it went over. Now,... |
How can I get the car refinanced under my name if my girlfriend signed for the loan? | The best solution is to "buy" the car and get your own loan (like @ChrisInEdmonton answered). That being said, my credit union let me add my spouse to a title while I still had a loan for a title filing fee. You may ask the bank that holds the title if they have a provision for adding someone to the title without cha... |
Can There Be Partial Trade Fill Percentage? | I place a trade, a limit order on a thinly traded stock. I want to buy 1000 shares at $10. The current price is $10.50. Someone places a market order for 500 shares. Another trader has a limit order for $10.10 for 400 shares. His order fills, and I get 100 at my price. I wait another day to see if I get any more shares... |
How to spend more? (AKA, how to avoid being a miser) | Unless your stinginess has reach truly compulsive levels, it should be enough to consciously remind yourself of the value of your time when you make purchase decisions or find yourself chasing minor savings. Another way might be to deliberately give yourself a monthly or weekly budget that you're allowed to "waste" on ... |
Why does a long/purchased call option have a long position in the option itself? | It will be helpful to establish some definitions: Long "Long" is financial slang for "to have possession of an asset", legally, and "to debit an asset", financially. Short "Short" is financial slang for "to be liable for an asset", legally, and "to credit an asset", financially. Option "Option" is financial slang for... |
Should you keep your stocks if you are too late to sell? | If the stock starts to go down DO NOT SELL!! My reasoning for this is because, when you talk about the stock market, you haven't actually lost any money until you sell the stock. So if you sell it lower than you bought it, you loose money. BUT if you wait for the stock to go back up again, you will have made money. |
What considerations are there for making investments on behalf of a friend? | Pool their money into my own brokerage account and simply split the gains/losses proportional to the amount of money that we've each contributed to the account. I'm wary of this approach due to the tax implications and perhaps other legal issues so I'd appreciate community insight here. You're right to be wary. Y... |
Financing with two mortgages: a thing of the past? | You can't get a HELOC, to the best of my knowledge, without actually "owning" the house. If you get an 80% mortgage (of the purchase price - not the appraised value, btw), you still need 20% as a down payment. Once you own the home, you can apply for a HELOC ... presuming you have enough equity (eg, the purchase price ... |
Options “Collar” strategy vs regular Profit/Loss stops | There are a few differences: |
Why are Rausch Coleman houses so cheap? Is it because they don't have gas? | They are cheap because they are made from cheap material. All the homes in my addition are Ruasch Coleman and a lot of them are having issues (Oklahoma). Several are around 5 years old and have already had to get new roofs. On our neighborhood FB page there have been complaints with the plumbing system and flooding ... |
What options do I have at 26 years old, with 1.2 million USD? | That's what I would do; 1.2 million dollars is a lot of money, but it doesn't make you retired for the rest of your life: There is a big crisis coming soon (my personal prediction) in the next 10-15 years, and when this happens: government will hold your money if you leave them in the bank (allowing you to use just par... |
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