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Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Financing with two mortgages: a thing of the past? | There are a few of ways to do this: Ask the seller if they will hold a Vendor Take-Back Mortgage or VTB. They essentially hold a second mortgage on the property for a shorter amortization (1 - 5 years) with a higher interest rate than the bank-held mortgage. The upside for the seller is he makes a little money on the s... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Financing with two mortgages: a thing of the past? | Depends on where we are in the credit cycle. When banks are scared like in 07 to 11, good luck. Now (13), they'll probably start begging you. There are more regulations that prevent it now, but they'll probably be eased as they usually are during good times. If the banks won't help you, private investors might. Just... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | 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 ... |
Share your insights or perspective on the financial matter presented in the input. | How websites like Google have access to stock market data? | At the bottom of Yahoo! Finance's S & P 500 quote Quotes are real-time for NASDAQ, NYSE, and NYSE MKT. See also delay times for other exchanges. All information provided "as is" for informational purposes only, not intended for trading purposes or advice. Neither Yahoo! nor any of independent providers is liable ... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | How websites like Google have access to stock market data? | To quote their disclaimer: Data is provided by financial exchanges and may be delayed as specified by financial exchanges or our data providers. Google does not verify any data and disclaims any obligation to do so. That means that they buy it from a reseller such as IDC. It probably differs in source between the diffe... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Are all financial advisors compensated in the same way? | No, they certainly are not compensated the same way. Some are paid by commission that they earn from the products they sell (ie, certain mutual funds, insurance, etc.) Others are paid for their advice based on an hourly fee, or a percentage of the portfolio you have to invest. This is a great question, because too ma... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | How do I know if refinance is beneficial enough to me? | When evaluating a refinance, you need to figure out the payback time. Refinancing costs money in closing costs. The payback time is the time it takes to recover the closing costs with the amount of money you are saving in interest. For example, if the closing costs are $2,000, your payback time is 2 years if it takes ... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | How do I know if refinance is beneficial enough to me? | It would help if we had numbers to walk you through the analysis. Current balance, rate, remaining term, and the new mortgage details. To echo and elaborate on part of Ben's response, the most important thing is to not confuse cash flow with savings. If you have 15 years to go, and refinance to 30 years, at the rate r... |
Share your insights or perspective on the financial matter presented in the input. | How do I know if refinance is beneficial enough to me? | The proper answer is that you run the numbers and see whether what you'll save in interest exceeds the closing costs by enough to be interesting. Most lenders these days have calculations that can help with this on their websites and/or would be glad to help if asked. Rule of thumb: if you can reduce interest rate by ... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Received a call to collect on a 17 year old, charged off debt. What do I do? | There are statutes of limitations on how long they can wait before coming after you. 14 years certainly exceeds it, which I believe means you are not legally required to pay. statutes of limitations by state The most likely scenario is that this is a scam. Second most likely is that this is a collections agency tryin... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Received a call to collect on a 17 year old, charged off debt. What do I do? | If they are a debt collector, they must follow the requirements of the Fair Debt Collection Practices Act. In particular, they must provide you with verification of the debt at your written request. If they won't give you a way to do this, they are in violation of the law, and you should contact proper authorities. If ... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | How to accurately calculate Apple's EPS | On closer look, it appears that Google Finance relies on the last released 10-k statement (filing date 10/30/2013), but outstanding shares as of last 10-Q statement. Using these forms, you get ($37,037M / 5.989B ) = $6.18 EPS. I think this is good to note, as you can manually calculate a more up to date EPS value than ... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Curious about Liverpool FC situation | AFAIK gillet and hicks received massive loans to fund their purchase and they have not been keeping up the repayments so now the creditors own the club. Its like getting a car on the never never, or a mortgage, i fyou don't keep up repayments the credit company take back the car or the bank repossess your house. I am s... |
Share your insights or perspective on the financial matter presented in the input. | How are credit unions initially financed | Estimated Start-Up and Operating Costs in Chartering a Credit Union notes in part: Given the significant costs involved, most groups seek grant money and non-member deposits (if pre-approved for the low-income designation) to help subsidize the pre-chartering costs and annual operating expenses. Thus, in forming... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | What publicly available software do professional stock traders use for stock analysis? | Factset also provides a host of tools for analysis. Not many people know as they aren't as prevalent as Bloomberg. CapitalQ and Thomson Reuters also provide analysis tools. Most of the market data providers also provide analysis tools to analyze the data they and others provide. |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | What publicly available software do professional stock traders use for stock analysis? | Bloomberg Professional seems to be very popular. It provides any kind of data you can imagine. Analysis is a subjective interpretation of the data. |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | What publicly available software do professional stock traders use for stock analysis? | Another one I have seen mentioned used is Equity Feed. It had varies levels of the software depending on the markets you want and can provide level 2 quotes if select that option. http://stockcharts.com/ is also a great tool I see mentioned with lots of free stuff. |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | What publicly available software do professional stock traders use for stock analysis? | Bloomberg is very popular, especially for researching individual companies. Market QA and Factset are popular for analyzing data. Microsoft Excel and Matlab are very common for analyzing the data. Lots of time traders will take data from Bloomberg, Market QA, Factset or where ever, and then actually preform their anal... |
Share your insights or perspective on the financial matter presented in the input. | What publicly available software do professional stock traders use for stock analysis? | If you are looking to analyze stocks and don't need the other features provided by Bloomberg and Reuters (e.g. derivatives and FX), you could also look at WorldCap, which is a mobile solution to analyze global stocks, at FactSet and S&P CapitalIQ. Please note that I am affiliated with WorldCap. |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | What does dividends passed mean in terms of stock? | A "covenant" is a solemn promise to engage in or refrain from a specified action. Every company must do a balancing act while declaring the dividends in terms of companies interest (can it use the surplus cash to generate more revenue) to shareholders' interests, giving back to them the profits that due. Many countries... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | What's the most correct way to calculate market cap for multi-class companies? | From their 10-K pulled directly from Edgar: As of October 22, 2015, there were 291,327,781 shares of Alphabet Inc.’s (the successor issuer pursuant to Rule 12g-3(a) under the Exchange Act as of October 2, 2015) (Alphabet) Class A common stock outstanding, 50,893,362 shares of Alphabet's Class B common stock ou... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | What's the most correct way to calculate market cap for multi-class companies? | Some companies issue multiple classes of shares. Each share may have different ratios applied to ownership rights and voting rights. Some shares classes are not traded on any exchange at all. Some share classes have limited or no voting rights. Voting rights ratios are not used when calculating market cap but the ... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | When applying for a mortgage, can it also cover outstanding debts? | That really depends on the lender, and in the current climate this is extremely unlikely. In the past it was possible to get a loan which is higher than the value of the house (deposit considered), usually on the basis that the buyer is going to improve the property (extend, renovate, etc.) and this increase the value ... |
Share your insights or perspective on the financial matter presented in the input. | When applying for a mortgage, can it also cover outstanding debts? | Yes, but should you be even trying to get a mortgage if you can't aford at least a 5% deposit? Prove you do want the house by doing without a new car for a few years... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Titles, Financing and Insurance. How do they work? | There is nothing illegal about a vehicle being in one person's name and someone else using it. An illegal straw purchase usually applies to something where, for example, the purchaser is trying to avoid a background check (as with firearms) or is trying to hide assets, so they use someone else to make the purchase on... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Why does Yahoo miss some mutual fund dividends/capital gains? | This looks more like an aggregation problem. The Dividends and Capital Gains are on quite a few occassions not on same day and hence the way Yahoo is aggregating could be an issue. There is a seperate page with Dividends and capital gains are shown seperately, however as these funds have not given payouts every year, i... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Payroll question | Ask the company if they can make an adjustment for the next paycheck. If they can't then do the following: Increase the number of Federal exemptions by 1. In 2014 a personal exemption reduces your apparent income by $3950. If you are in the 10 % tax bracket and you are paid every two weeks you will see the amount of t... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Payroll question | That $200 extra that your employer withheld may already have been sent on to the IRS. Depending on the size of the employer, withholdings from payroll taxes (plus employer's share of Social Security and Medicare taxes) might be deposited in the US Treasury within days of being withheld. So, asking the employer to reimb... |
Share your insights or perspective on the financial matter presented in the input. | Tracking the Madrid Interbank Offered Rate (MIBOR) and the Euro Interbank Offered Rate (EURIBOR) | You can find both here: http://www.bde.es/tipos/tipose.htm |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Tracking the Madrid Interbank Offered Rate (MIBOR) and the Euro Interbank Offered Rate (EURIBOR) | For Euribor Nothing seems to exist for MIBOR, except maybe the Spanish stock exchange. |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | What is “beta” for an investment or a portfolio, and how do I use it? | Beta is an indication of a Stock's risk with respect to the market. For instance if a stock had a beta of 1 it means it is in tandem with the S&P 500. If it is more than 1, the stock is volatile. If it is less than 1, it implies market movement doesn't affect this stock much. Tech stocks and small cap stocks have hig... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | What is “beta” for an investment or a portfolio, and how do I use it? | In addition to individual stocks, your entire portfolio will also have a beta. It would be equal to the weighted sum of the individual asset betas So a beta portfolio of 1 would have approximate risk equal to a market index. You would use this to construct a risk level that you were comfortable with, given the expect... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | What is “beta” for an investment or a portfolio, and how do I use it? | I don't think either of these answers are accurate. A beta of 0 means that your stock/portfolio does not change accordingly or with the market, rather it acts independent. A beta above 0 means the stock follows what the market does. Which means if the market goes up the stock goes up, if the market goes down, the stock... |
Share your insights or perspective on the financial matter presented in the input. | How to read bond yield quotes? What do the time, coupon, price, yield, and time mean? | The 1 month and 1 year columns show the percentage change over that period. Coupon (coupon rate) is the amount of interest paid on the bond each period (as specified on the coupon itself. Price is the normalised price of the bond; the price of taking a position of $100 worth of the principal in the bond. Yield is the i... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | How to read bond yield quotes? What do the time, coupon, price, yield, and time mean? | The first thing that it is important to note here is that the examples you have given are not individual bond prices. This is what is called the "generic" bond price data, in effect a idealised bond with the indicated maturity period. You can see individual bond prices on the UK Debt Management Office website. The me... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | What is the difference between fund and portfolio? | A "Fund" is generally speaking a collection of similar financial products, which are bundled into a single investment, so that you as an individual can buy a portion of the Fund rather than buying 50 portions of various products. e.g. a "Bond Fund" may be a collection of various corporate bonds that are bundled togethe... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | What is the difference between fund and portfolio? | A fund is a portfolio, in that it is a collection, so the term is interchangeable for the most part. Funds are made up of a combination of equities positions (i.e., stocks, bonds, etc.) plus some amount of un-invested cash. Most of the time, when people are talking about a "fund", they are describing what is really an... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | What is the difference between fund and portfolio? | Oddly enough, in the USA, there are enough cost and tax savings between buy-and-hold of a static portfolio and buying into a fund that a few brokerages have sprung up around the concept, such as FolioFN, to make it easier for small investors to manage numerous small holdings via fractional shares and no commission wind... |
Share your insights or perspective on the financial matter presented in the input. | Is there anything comparable to/resembling CNN's Fear and Greed Index? | Lipper publishes data on the flow of funds in / out of stock and bond funds: http://www.lipperusfundflows.com Robert Shiller works on stock market confidence indices that are published by Yale: http://som.yale.edu/faculty-research/our-centers-initiatives/international-center-finance/data/stock-market-confidence |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Is there anything comparable to/resembling CNN's Fear and Greed Index? | There are a number of ways to measure such things and they are generally called "sentiment indicators". The ones that I have seen "work", in the sense that they show relatively high readings near market tops and relatively low readings near market bottoms. The problem is that there are no thresholds that work consist... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | What is approximate tax deduction for this scenario? | House rent allowance:7500 House Rent can be tax free to the extent [less of] Medical allowance : 800 Can be tax free, if you provide medical bills. Conveyance Allowance : 1250 Is tax free. Apart from this, if you invest in any of the tax saving instruments, i.e. Specified Fixed Deposits, NSC, PPF, EPF, Tution Fees, EL... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | How to calculate Price/Earnings - Price/Sales - Price/Free Cash Flow for given stock | To calculate you take the Price and divide it by the Earnings, or by the Sales, or by the Free Cash Flow. Most of these calculations are done for you on a lot of finance sites if the data is available. Such sites as Yahoo Finance and Google Finance as well as my personal favorite: Morningstar |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Fetching technical indicators from yahoo api | Still working on exact answer to question....for now: (BONUS) Here is how to pull a graphical chart with the required data: Therefore: As r14 = the indicator for RSI. The above pull would pull Google, 6months, line chart, linear, large, with a 50 day moving average, a 200 day exponential moving average, volume, an... |
Share your insights or perspective on the financial matter presented in the input. | How can I find out what factors are making a stock's price rise? | A few days ago they launched Fannie Mae Guaranteed Multifamily Structures (link) but who knows? It's a penny stock now. Google Finance is pretty good at marking news right on the chart for a particular stock. That's how I tracked that piece of news down. Can't say that it precipitated a lot of people buying the stoc... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | How can I find out what factors are making a stock's price rise? | Because more people bought it than sold it. That's really all one can say. You look for news stories related to the event, but you don't really know that's what drove people to buy or sell. We're still trying to figure out the cause of the recent flash crash, for example. For the most part, I feel journalism trying to ... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | How can I find out what factors are making a stock's price rise? | When you look at the charts in Google Finance, they put the news on the right hand side. The time stamp for each news item is indicated with a letter in the chart. This often shows what news the market is reacting to. In your example: Clicking on the letter F leads to this Reuters story: http://www.reuters.com/article... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | How can I find out what factors are making a stock's price rise? | At any moment, the price is where the supply (seller) and demand (buyer) intersect. This occurs fast enough you don't see it as anything other than bid/ask. What moves it? News of a new drug, device, sandwich, etc. Earning release, whether above or below expectations, or even dead-on, will often impact the price. Ever... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | How do I evaluate a health insurance policy that covers a specific disease? | These policies are usually called dread disease policies or critical illness insurance, and they normally aren't a good deal. Furthermore, with the passage of the Affordable Care Act, such policies may become less common or disappear entirely. These policies aren't a great deal because of the effects of adverse selecti... |
Share your insights or perspective on the financial matter presented in the input. | Last trade is bought? or sold? | When there is a trade the shares were both bought and sold. In any trade on the secondary market there has to be both a buyer and a seller for the trade to take place. So in "lasttradesize" a buyer has bought the shares from a seller. |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Evidence for Technical Analysis [duplicate] | To answer your original question: There is proof out there. Here is a paper from the Federal Reserve Bank of St. Louis that might be worth a read. It has a lot of references to other publications that might help answer your question(s) about TA. You can probably read the whole article then research some of the other ... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Car value is almost equal to GMFV with still 2 years to go on PCP | The "guaranteed minimum future value" isn't really a guarantee so much as the amount they will charge you at the end of the agreement if you want to keep the car. In this sense it might better be considered a "guaranteed maximum future cost". If the car has fallen below that value at that point, then you can just hand ... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | What kinds of information do financial workers typically check on a daily basis? | I think it depends where you live in the world, but I guess the most common would be: Major Equity Indices I would say major currency exchange rate: And have a look at the Libors for USD and EUR. I guess the intent of the question is more to see how implicated you are in the daily market analysis, not really to see if ... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | What kinds of information do financial workers typically check on a daily basis? | In addition to the information in the other answer, I would suggest looking at an economic calendar. These provide the dates and values of many economic announcements, e.g. existing home sales, durable orders, consumer confidence, etc. Yahoo, Bloomberg, and the Wall Street Journal all provide such calendars. Yahoo prov... |
Share your insights or perspective on the financial matter presented in the input. | What kinds of information do financial workers typically check on a daily basis? | Google Finance and Yahoo! Finance would be a couple of sites you could use to look at rather broad market information. This would include the major US stock markets like the Dow, Nasdaq, S & P 500 though also bond yields, gold and oil can also be useful as depending on which area one works the specifics of what are im... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | My Co-Signer is the Primary Account Holder for my Car Loan - Does this affect my credit? | It sounds like your father got a loan and you are making the payments. If your name and SSN are not on the loan then you are not getting credit for making the payments your father is. So it will not affect your credit. If you are on the loan as a secondary borrower it will affect your credit but not substantially on... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Why does financial investor bother to buy derivatives and then hedge the position? | Sometimes hedging is used if you have a position and you feel the market is going against your position, so one would hedge that position in order to protect their capital and possible profits instead of closing the position and incurring capital gains tax. Personally if the market was going against a position I had op... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Why does financial investor bother to buy derivatives and then hedge the position? | I don't know why a financial investor or a retail trader would do this. But I can guess why a market maker in options would do this. Let us say you buy an option from an option market maker and the market maker sold the option to you. He made a small profit in the bid-ask spread but now he is holding a short position i... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Why does financial investor bother to buy derivatives and then hedge the position? | There are a number reasons to hedge a position. Here are some of the more common: |
Share your insights or perspective on the financial matter presented in the input. | Which brokerages offer the best streaming quotes (tick level) for the best price? | I have ScottradeElite on my desktop. I have played around with it but no longer use it. The transactions that I make through Scottrade are more dependent on my goals for the securities than what the market is doing at the moment. Keep in mind that there will always be others out there with better access to price chang... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Finding Debt/Equity Ratio with Market Value of Equity | In order to calculate the ratio you are looking for, just divide total debt by the market capitalization of the stock. Both values can be found on the link you provided. The market capitalization is the market value of equity. |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | How to calculate new price for bond if yield increases | I am currently trying out some variations (moving terms around ...) of the formula for the present value of money The relationship between yield and price is much simpler than that. If you pay £1015 for a bond and its current yield is 4.69%, that means you will receive in income each year: 4.69% * £1015 = £47.60 The in... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | How to calculate new price for bond if yield increases | The duration of a bond tells you the sensitivity of its price to its yield. There are various ways of defining it (see here for example), and it would have been preferable to have a more precise statement of the type of duration we should assume in answering this question. However, my best guess (given that the duratio... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | How to calculate new price for bond if yield increases | Edited to incorporate the comments elsewhere of @Atkins Assuming, (apparently incorrectly) that duration is time to maturity: First, note that the question does not mention the coupon rate, the size of the regular payments that the bond holder will get each year. So let's calculate that. Consider the cash flow describ... |
Share your insights or perspective on the financial matter presented in the input. | Why are historical prices of stocks different on different websites? Which one should I believe? | On Monday, the 27th of June 2011, the XIV ETF underwent a 10:1 share split. The Yahoo Finance data correctly shows the historic price data adjusted for this split. The Google Finance data does not make the adjustment to the historical data, so it looks like the prices on Google Finance prior to 27 June 2011 are being ... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | What's the point of Ford loosening financing requirements? | The article states their reasons pretty clearly, and indicates that some people won't qualify under the new requirements that would have previously, they're not courting people with bad credit, they're just looking beyond credit score at other factors. They aren't opening floodgates for anyone with a pulse to get a car... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | What's the point of Ford loosening financing requirements? | Why then did Ford (and the auto industry in general) suddenly decide to court such buyers? Clearly when they felt they had a viable solution to the financing and could open up the market of buyers they were previously ignoring. If more sales are desired, surely the same can be accomplished with simply lowering prices?... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | What's the point of Ford loosening financing requirements? | A repossessed automobile will have lost some value from sale price, but it's not valueless. They market "title loans" to people without good credit on this basis so its a reasonably well understood risk pool. |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Sites to obtain historical chart of currency exchange rates? | OANDA has a free online tool (a Java applet) that will do what you're asking. Description: Currency Graph FXGraph: Plot the change between two currencies over any time period Make a customized graph of historical exchange rates for two of over 190 currencies, for any time period since 1990. [...] Visit C... |
Share your insights or perspective on the financial matter presented in the input. | Do governments support their own bonds when their value goes down? | Companies do not support their stock. Once the security is out on the wild (market), its price fluctuates according to what investors think they are worth. Support is a whole different concept, financially speaking: Support or support level refers to the price level below which, historically, a stock has had difficulty... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Do governments support their own bonds when their value goes down? | who issued stock typically support it when the stock price go down. No, not many company do that as it is uneconomical for them to do so. Money used up in buying back equity is a wasteful use of a firm's capital, unless it is doing a buyback to return money to shareholders. Does the same thing happen with government b... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Do governments support their own bonds when their value goes down? | Without getting to hung-up on terminology here, the management of a company will often attempt to keep stock prices high because of a number of reasons: Ideally companies keep prices up through performance. In some cases, you'll see companies do other things spending cash and/or issuing bonds to continue to pay divide... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Taking a car loan vs cash and effect on credit score | Imagine that your normal mode of using credit gets you a score of X. As time goes by your score trends upward if the positive items (length of credit) outweigh your negative items. But there are no big increases or decrease in your score. Then you make a one time change to how you use credit. If this is a event that he... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Bond prices: Why is a high yield sometimes too good to be true? | Looking at the list of bonds you listed, many of them are long dated. In short, in a rate rising environment (it's not like rates can go much lower in the foreseeable future), these bond prices will drop in general in addition to any company specific events occurred to these names, so be prepared for some paper losses.... |
Share your insights or perspective on the financial matter presented in the input. | Bond prices: Why is a high yield sometimes too good to be true? | Those are the expected yields; they are not guaranteed. This was actually the bread and butter of Graham Newman, mispriced bonds. Graham's writings in the Buffett recommended edition of Securities Analysis are invaluable to bond valuation. The highest yielder now is a private subsidiary of Société Générale. A lack of... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Stock stopped trading, what does this mean? | It looks like JP Morgan can convert your holding to unsponsored ADRs until July.. In any event, you should not completely lose the equity. Volvo still exists as a public company, it's just not tradable on US exchanges. Q1: Yes, you'd need a JPM account. Your broker should have offered a similar service. If they didn't... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Stock stopped trading, what does this mean? | You have not lost value. It is just that the shares you owned, are now not tradable on US stock exchanges. You still have the value of your shares protected. In cases like de-listing of a stock, typically a trust (may be managed by a bank) is setup to help customers liquidate their stocks. You should try to search the ... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Why GOOG is “After Hours” while FB is “Pre-market”? | It looks like GOOG did not have a pre-market trade until 7:14 am ET, so Google Finance was still reporting the last trade it had, which was in the after-hours session yesterday. FB, on the other hand, was trading like crazy after-hours yesterday and pre-market today as it had an earnings report yesterday. |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Why GOOG is “After Hours” while FB is “Pre-market”? | Pre-Market trading activity is shown on the site from 4:15 - 9:30 AM (actual trading starts at 4:00 AM EST) The NASDAQ Stock Market Trading Sessions (Eastern Time) Pre-Market Trading Hours from 4:00 a.m. to 9:30 a.m. Market Hours from 9:30 a.m. to 4:00 p.m. After-Market Hours from 4:00 p.m. to 8:00 p.m. Read more: http... |
Share your insights or perspective on the financial matter presented in the input. | How to calculate PE ratios for indices such as DJIA? | The official source for the Dow Jones P/E is Dow Jones. Unfortunately, the P/E is behind a pay-wall and not included in the free registration. The easiest (but only approximate) solution is to track against an equivalent ETF. Here's a list of popular indexes with an equivalent ETF. Source |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | How to calculate PE ratios for indices such as DJIA? | You could look up the P/E of an equivalent ETF, or break the ETF into components and look those up. Each index has its own methodology, usually weighted by market cap. See here: http://www.amex.com/etf/prodInf/EtAllhold.jsp?Product_Symbol=DIA |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | How to calculate PE ratios for indices such as DJIA? | One thing to keep in mind when calculating P/E on an index is that the E (earnings) can be very close to zero. For example, if you had a stock trading at $100 and the earnings per share was $.01, this would result in a P/E of 10,000, which would dominate the P/E you calculate for the index. Of course negative earning... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Equity market inflow meaning | Suppose I purchase $10,000 worth of a particular share today. If the person(s) I am purchasing the shares from paid $9,000 for those shares, then I replacing their $9,000 investment with my $10,000 investment. This is a net inflow of $1,000 into the market. Similarly, if the person(s) I am purchasing the shares from p... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Equity market inflow meaning | If for every buyer, there's a seller, doesn't that also mean that there were $25B in outflows in the same time period? Yes for every buyer there is a seller. The inflows are not being talked in that respect. about there being $25B in inflows to US equity markets since the election...what does that mean? Lets say the in... |
Share your insights or perspective on the financial matter presented in the input. | Equity market inflow meaning | Inflows to the US equity market can come from a variety of sources; for instance: You were paid a year-end bonus and decided to invest it in US equities instead of foreign equities, bonds, savings or debt reduction. You sold foreign equities, bonds, or other non-US equities and decided to invest in US equities. You dec... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | what does “private equity structures” mean? | Private equity firms have a unique structure: The general partners (GP's) of the firm create funds and manage the investments of those funds. Limited partners (LP's) contribute the capital to the funds, pay fees to the GP's, and then make money when the funds' assets grow. I believe the article is saying that ultra hi... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Where to find historical quotes for the Dow Jones Global Total Stock Market Index? | A number of places. First, fast and cheap, you can probably get this from EODData.com, as part of a historical index price download -- they have good customer service in my experience and will likely confirm it for you before you buy. Any number of other providers can get it for you too. Likely Capital IQ, Bloomberg... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Which online services offer logarithmic charts for equities such as index funds and ETFs? | The charts on nasdaq.com are log based, if you look closely you can see that the spacing between evenly incremented prices is tighter at the top of the chart and wider at the bottom. It's easiest to see on a stock with a wide price range using candlestick where you can clearly see the grid. I'm also not seeing the "... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Is there a law or regulation that governs the maximum allowable interest amount that can be charged on credit cards or in agreements where credit is extended? | The word you're looking for is usury - the crime of lending money at rates above an amount set by law. |
Share your insights or perspective on the financial matter presented in the input. | 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 Canada section 347 of the Canadian Criminal Code makes it illegal to charge more than 60% annually. Since most Canadian credit card annual interest fee is below this they are within that legal limit. However this is limited only to the rate and not necessarily a cap on the absolute interest charges. |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | 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... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | 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 US, usury is complicated and depends on the type of account, the bank charter and the where the bank makes credit decisions. Most major US credit cards are issued by entities in Utah, South Dakota and Delaware. None of these states have usury limits. Many states have usury limits. In New York, for example a loan... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | 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? | What are those maximums, and do all countries have them? Usury, lending money for any interest at all, used to be anti-biblical: it wasn't a Christian thing to do, and so in Christian countries it was Jews who did it (Jews who were money-lenders). Asking for interest on loans is still anti-Koranic: so Islamic banks don... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | 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 EU, you might be looking for Directive 2000/35/EC (Late Payment Directive). There was a statutory rate, 7% above the European Central Bank main rate. However, this Directive was recently repealed by Directive 2011/7/EU, which sets the statutory rate at ECB + 8%. (Under EU regulations, Directives must be turned i... |
Share your insights or perspective on the financial matter presented in the input. | Mortgage loan plus home loan | You can be a co-borrower on the property that your father owns. Some Banks require that you also be part owner of the property, some banks do not require this. You can take a home loan for a new property, normally Banks will ask you of all your current loans [auto/other home/personal/ etc] to determine the amount they ... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Who are the real big share holders of $AMDA? | There are not necessarily large shareholders, maybe every other Joe Schmoe owns 3 or 5 shares; and many shares might be inside investment funds. If you are looking for voting rights, typically, the banks/investment companies that host the accounts of the individual shareholders/fund owners have the collective voting ri... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | How can I transfer and consolidate my 401k's and other options? | The simplest way to consolidate the funds your old 401(k) plans is by doing what's called a Direct Rollover (whereby the funds go directly into the new plan and skips you completely) from each of the old plans into either an IRA that you establish with a provider of your choice or even into your current employer's 401(... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | How can I transfer and consolidate my 401k's and other options? | Every plan administrator has their own procedures for rollovers. In any case, you would start by browsing their website or calling them seeking information on rollover. You will need to arrange it with both your current and prior administrators. Usually the administrator will send the money directly to your current pla... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | How can I transfer and consolidate my 401k's and other options? | You should ask your broker of choice for paperwork to move funds to them. You can't move into an account that doesn't exist, so when I wanted to move my money from an old pension plan to an IRA I set up the IRA with the broker first. When I told them it was to receive this money, they weren't asking for any initial dep... |
Share your insights or perspective on the financial matter presented in the input. | total of all dividend payments for a particular company | No - there are additional factors involved. Note that the shares on issue of a company can change for various reasons (such as conversion/redemption of convertible securities, vesting of restricted employee shares, conversion of employee options, employee stock purchase programs, share placements, buybacks, mergers, ri... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Why does low interest rate prevent bankruptcy and foreclosure? | Most of the bankruptcy is due to taking [or building over a period of time] a loan that one cannot service, if the interest rates rise, then the amount of money to repay the loan increases, when one doesnt pay the revised amount and keeps paying less, the over all debt keeps shooting through the roof ... a lower intere... |
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