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Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Efficient International money transfer | Wiring is the best way to move large amounts of money from one country to another. I am sure Japanese banks will allow you to exchange your Japanese Yen into USD and wire it to Canada. I am not sure if they will be able to convert directly from JPY to CND and wire funds in CND. If you can open a USD bank account in... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | How can the Samsung Upgrade Programme offer 0% APR? | This is more a question about economics than about personal finance. The answer, though, is straight-forward. Samsung makes enough profit on the phones that they are willing to eat the costs of a 0% loan, with the attendant risk of non-payment and the loss due to inflation. By offering financing, they expect to sell mo... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | How can the Samsung Upgrade Programme offer 0% APR? | The financing is built into the price. I do not have hard facts, but I strongly suspect that very few people buy brand-new smartphones at full price upfront. Most pay a monthly installment to the carrier or retailer equal to 1/24 of the full price, which in effect is "0% financing for 2 years". Samsung might be able... |
Share your insights or perspective on the financial matter presented in the input. | How can the Samsung Upgrade Programme offer 0% APR? | Having just purchased an upcoming Samsung phone using their 0% interest I can tell you that the justification is to give you credit. I have the same with Best Buy which is 0% for a specific initial purchase. The bank (in the Samsung case is TD Bank) establishes a rotating credit line for you. The APR after is well esta... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | What are some sources of information on dividend schedules and amounts? | I second the Yahoo! Finance key stats suggestion, but I like Morningstar even better: http://quote.morningstar.com/stock/s.aspx?t=roic They show projected yield, based on the most recent dividend; the declared and ex-dividend dates, and the declared amount; and a table of the last handful of dividend payments. Back to ... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | What are some sources of information on dividend schedules and amounts? | There are dividend newsletters that aggregate dividend information for interested investors. Other than specialized publications, the best sources for info are, in my opinion: |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | What are some sources of information on dividend schedules and amounts? | You can use Yahoo! Finance to pull this information in my use. It is listed under Key Statistics -> Dividends & Splits. For example here is Exxon Mobile (XOM): Dividend Payout Information |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | What are some sources of information on dividend schedules and amounts? | I have 3 favorite sites that I use. http://www.nasdaq.com/symbol/mcd/dividend-history - lists the entire history of dividends and what dates they were paid so you can predict when future dividends will be paid. http://www.dividend.com/dividend-stocks/services/restaurants/mcd-mcdonalds/ - this site lists key stats like ... |
Share your insights or perspective on the financial matter presented in the input. | What are some sources of information on dividend schedules and amounts? | Yahoo Finance is definitely a good one, and its ultimately the source of the data that a lot of other places use (like the iOS Stocks app), because of their famous API. Another good dividend website is Dividata.com. It's a fairly simple website, free to use, which provides tons of dividend-specific info, including the... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | How do I calculate the quarterly returns of a stock index? | So for quarters So, if Q1's value was 10 and Q2's value was 25 For closing or opening prices, I would use closing prices. For instance, some used Adjusted Close or Close on Yahoo Finance (see this example of AAPL). Added Note: In your example, for your example, you'll want to take the absolute value of the denominator... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | How do I calculate the quarterly returns of a stock index? | Here's a few demo steps, first calculating the year to date return, then calculating the Q4 quarterly return based on the cumulative returns for Q3 and Q4. It's fine to use closing price to closing price as return periods. |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Thrift Saving Plan (TSP) Share Price Charts | TSP.Ninja http://www.tsp.ninja has all the TSP funds with good visualizations that are very similar to Google Finance. |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Thrift Saving Plan (TSP) Share Price Charts | If you're looking to generate your own charts, you can get up-to-date TSP fund share prices in a Google Docs spreadsheet by "scraping" the data from the HTML of certain TSP webpages. You'll need to do this because the GoogleFinance function does not recognize "private" funds or collective trusts like those of the TSP. ... |
Share your insights or perspective on the financial matter presented in the input. | Thrift Saving Plan (TSP) Share Price Charts | The recommended way to track TSP funds in online portfolio tools is to track the underlying index and know that the results are pretty close. Not a perfect solution: :( Source including suggested ETFs: http://finance.yahoo.com/news/breaking-down-tsp-investment-funds-194600393.html Related, but not exactly what you ar... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | If I plan to buy a car in cash, should I let the dealer know? | Ideally you would negotiate a car price without ever mentioning: And other factors that affect the price. You and the dealer would then negotiate a true price for the car, followed by the application of rebates, followed by negotiating for the loan if there is to be one. In practice this rarely happens. The sales rep a... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | If I plan to buy a car in cash, should I let the dealer know? | Yes you tell them. I can say that I pay cash for all my cars and always get cars for lower than the TrueCar low-end. There are basically two steps: go test drive, negotiate fully, leave (unless you are given a mind-blowing offer). This may take you one to many dealerships. It depends on how well you know what car y... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | If I plan to buy a car in cash, should I let the dealer know? | Ditto other answers, but I'd add there's a lot of psychology going on in a sale. If you're paying cash, you presumably have a pretty fixed upper limit on what you can spend. But if you're getting a loan, a large increase in the price of the car may sound like just a small addition to the monthly payment. Also, these da... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | If I plan to buy a car in cash, should I let the dealer know? | If you buy a car using a loan, the dealer gets benefited by the financing institution by the way of referring fee paid to the dealer by the institution, and that too if the dealer has helped in financing the purchase. Otherwise for the dealer it doesn't matter if one pays in full or through financing. The dealer is pai... |
Share your insights or perspective on the financial matter presented in the input. | If I plan to buy a car in cash, should I let the dealer know? | In the UK at least, dealers definitely want you to take finance. They get benefits from the bank (which are not insubstantial) for doing this; these benefits translate directly to increased commission and internal rewards for the individual salesman. It's conceivable that the salesman will be less inclined to put himse... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Is there a good tool to view a stock portfolio's value as a graph? | Google Finance will do all the bullet points in your list and a few more. The only drawback is that you have to enter ALL buy and sell manually. It has an import feature, but it does not work with all trading software. http://www.google.com/finance Let me know if it works. Also, yahoo.com/finance has a good tool, bu... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Is there a good tool to view a stock portfolio's value as a graph? | I have no idea if Wikivest can handle options, but I've been pretty satisfied with it as a portfolio visualization tool. It links automatically with many brokerage accounts, and has breakdowns by both portfolio and individual investment levels. |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | What is the equivalent of the QQQ in the UK for the FTSE 100? | I'm not familiar with QQQ, but I'm guessing this is something like IShares Ftse 100 (see description here) |
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 equivalent of the QQQ in the UK for the FTSE 100? | I searched for FTSE 100 fund on Yahoo Finance and found POW FTSE RAF UK 100 (PSRU.L), among many others. Google Finance is another possible source that immediately comes to mind. |
Share your insights or perspective on the financial matter presented in the input. | Better approach to close loans? | It is typically best to pay minimum payments to 2 of the loans and pay aggressively on the third loan. Some will tell you to pay the highest interest rate loan off first because "personal finance" is about "finance" and mathematically that saves you the most interest. Some will tell you to pay the smallest balance loan... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Does a company's stock price give any indication to or affect their revenue? | Most of stock trading occurs on what is called a secondary market. For example, Microsoft is traded on NASDAQ, which is a stock exchange. An analogy that can be made is that of selling a used car. When you sell a used car to a third person, the maker of your car is unaffected by this transaction and the same goes for s... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Does a company's stock price give any indication to or affect their revenue? | No. Revenue is the company's gross income. The stock price has no contribution to the company's income. The stock price may be affected when the company's income deviates from what it was expected to be. |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Does a company's stock price give any indication to or affect their revenue? | Look at the how the income statement is built. The stock price is nowhere on it. The net income is based on the revenue (money coming in) and expenses (money going out). Most companies do not issue stock all that often. The price you see quoted is third parties selling the stock to each other. |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Does a company's stock price give any indication to or affect their revenue? | If the company reported a loss at the previous quarter when the stock what at say $20/share, and now just before the company's next quarterly report, the stock trades around $10/share. There is a misunderstanding here, the company doesn't sell stock, they sell products (or services). Stock/share traded at equity market... |
Share your insights or perspective on the financial matter presented in the input. | Does a company's stock price give any indication to or affect their revenue? | It would be very unusual (and very erroneous) to have a company's stock be included in the Long Term Investments on the balance sheet. It would cause divergent feedback loops which would create unrepresentative financial documents and stock prices. That's how your question would be interpreted if true. This is not t... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | How much financial information should a buyer give an estate agent? | My guess is they are fishing for business for their in-house finance person. In the UK, all the estate agency chains (and many of the smaller outfits) have financial advice firms they are affiliated with, often to the extent that a desk in each branch will be for 'the finance guy' (it's usually a guy). The moment you s... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | How much financial information should a buyer give an estate agent? | Estate agents need the amount of deposit you will put down because they want to be able to assess the viability of your mortgage plans. If you have a high deposit (or are a cash buyer) that makes you an attractive buyer, and they can use it as leverage in your favour. It may also give them an idea of whether you could ... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Why real estate investments are compared via “cap rate”? | Cap Rate is the yearly return NOT including your mortgage. Everyone will finance the property differently. From 0% - 100% down. This is why Cap Rate is the best way to compare properties. Once you include your finance it is then called Cash-On Cash Return (CCR). |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Why real estate investments are compared via “cap rate”? | Cap rate includes any interest on the mortgage and not the repayments of the mortgage. Cap rate represents the net income which is the gross rent minus all costs, including the interest on the loan. Mortgage repayments form part of your cash flow calculations not your return calculations. ROI is a calculation which wor... |
Share your insights or perspective on the financial matter presented in the input. | Free service for automatic email stock alert when target price is met? | Sure, Yahoo Finance does this for FREE. |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Free service for automatic email stock alert when target price is met? | http://finance.yahoo.com/stock-alerts/stock-watch/add/?.done=/stock-alerts/ You will have to have a yahoo account. If you want to provide an alternative delivery email address, visit the URL above. Click "Stocks Watch", enter ticker(s) and price(s) at which you want alerts, then at the bottom select the "email" radio b... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Free service for automatic email stock alert when target price is met? | You can do it graphically at zignals.com and freestockcharts.com. |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Free service for automatic email stock alert when target price is met? | Hey guys, I found this website, it seems to do it for free, and they have many options. If let me know if you find something better than this. http://members.zignals.com/main/ |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Free service for automatic email stock alert when target price is met? | If you're a customer, TD Ameritrade has a really robust alerting system. |
Share your insights or perspective on the financial matter presented in the input. | Free service for automatic email stock alert when target price is met? | I've used BigCharts (now owned by MarketWatch.com) for a while and really like them. Their tools to annotate charts are great. |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Free service for automatic email stock alert when target price is met? | Yes, there are plenty of sites that will do this for you. Yahoo, and MarketWatch are a few that come to mind first. I'm sure you could find plenty of others. |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Why are auto leases stubbornly strict about visa status and how to work around that? | Uh, you want to lease a car through a dealer? That is the worst possible way to obtain a car. Dealers love leases because it allows them to sell a car for an unnegotiated price and to hide additional fees. It's the most profitable kind of sale for them. The best option would be to buy a used car off of Craigslist or eB... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Why are auto leases stubbornly strict about visa status and how to work around that? | When getting a car always start with your bank or credit union. They are very likely to offer better loan rate than the dealer. Because you start there you have a data point so you can tell if the dealer is giving you a good rate. Having the loan approved before going to the dealer allows you to negotiate the best dea... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Why are auto leases stubbornly strict about visa status and how to work around that? | In the U.S., most car dealers provide lease financing through one company (usually a subsidiary of the auto manufacturer). Whereas they provide loan financing through a variety of companies, some of whom offer very high interest rate loans and sell the loans as collateralized debt obligations (CDOs). Have you checked w... |
Share your insights or perspective on the financial matter presented in the input. | Is investing in housing considered an adequate hedge against inflation? | Yes, in 2 ways: As you mention, the price of a home generally grows with inflation - along with other factors (supply and demand in local markets, etc.). Through financing. If you finance 80% of your purchase today, in 2014 dollars, you will pay back in future dollars. Those future dollars are worth less, because of in... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Is investing in housing considered an adequate hedge against inflation? | Even if the price of your home did match inflation or better — and that's a question I'll let the other answers address — I propose that owning a home, by itself, is not a sufficient hedge against inflation. Consider: Inflation will inflate your living expenses. If you're lucky, they'll inflate at the average. If you'r... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Is investing in housing considered an adequate hedge against inflation? | Becoming a landlord is a pretty roundabout way to hedge against inflation. Why don't you research TIPs (Treasury Inflation Protected Securities (?)) Over the very long term, a house will just about match inflation, but no more. I observe that it (median home price) has remarkably tight correlation to the mortgage one c... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Is investing in housing considered an adequate hedge against inflation? | No, there is no linkage to the value of real estate and inflation. In most of the United States if you bought at the peak of the market in 2006, you still haven't recovered 7+ years later. Also real estate has a strong local component to the price. Pick the wrong location or the wrong type of real estate and the value ... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | What is this discrepency between Fidelity's and Google's stock price chart; large price spike? | This is from Google Finance right now. |
Share your insights or perspective on the financial matter presented in the input. | Where can I find the dividend history for a stock? | Google Finance gives you this information. |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Where can I find the dividend history for a stock? | You can go to the required company's website and check out their investor section. Here is an example from GE and Apple. |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Where can I find the dividend history for a stock? | I second @DumbCoder, every company seems to have its own way of displaying the next dividend date and the actual dividend. I keep track of this information and try my best to make it available for free through my little iphone web app here http://divies.nazabe.com |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Overnight charges for brokers holding stocks? | If you are trading CFDs, which are usually traded on margin, you will usually be charged an overnight financing fee for long positions held overnight and you will receive an overnight financing credit for short positions held overnight. Most CFD brokers will have their overnight financing rates set at + or - 2.5% or 3%... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | That “write your own mortgage” thing; how to learn about it | It sounds like you are describing "seller-financed" mortgages (also sometimes called "self-financed", where "self" is the seller). In essence the buyer and seller enter into a legal contract (a promissory note) that specifies the payment schedule, interest rate, etc. The nature of the agreement is similar to the kind... |
Share your insights or perspective on the financial matter presented in the input. | That “write your own mortgage” thing; how to learn about it | The other answers are talking about seller financing. There is another type of arrangement that might be described as "writing your own mortgage," where the buyer arranges his (or her) own financing. Instead of using a bank, a buyer might find his own investor to hold the mortgage for him. An example would be if I we... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | That “write your own mortgage” thing; how to learn about it | If an entity or individual has full rights to the land and land improvements, they can hold, transfer, delegate, or dispose of them on their terms. The only exception may be eminent domain. If the sovereignty meets the public necessity or public purpose tests they can assume or change the rights to your property in e... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | That “write your own mortgage” thing; how to learn about it | You are asking about a common, simple practice of holding the mortgage when selling a house you own outright. Typically called seller financing. Say I am 70 and wish to downsize. The money I sell my house for will likely be in the bank at today's awful rates. Now, a buyer likes my house, and has 20% down, but due to s... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | What resources can I use to try and find out the name of the manager for a given fund? | Yahoo Finance: http://finance.yahoo.com/q/pr?s=VFINX+Profile Under "Management Information" |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | What resources can I use to try and find out the name of the manager for a given fund? | The fund prospectus is a good place to start. |
Share your insights or perspective on the financial matter presented in the input. | Is there an online cost-basis calculator that automatically accounts for dividend re-investments and splits? | Google Finance portfolios take into account splits and cash deposits/withdrawals. |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Is there an online cost-basis calculator that automatically accounts for dividend re-investments and splits? | Reinvestment creates a nightmare when it comes time to do taxes, sadly. Tons of annoying little transactions that happened automatically... Here's one article trying to answer your question: http://www.smartmoney.com/personal-finance/taxes/figuring-out-your-cost-basis-when-youve-lost-the-statements-9529/ You could also... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Is there an online cost-basis calculator that automatically accounts for dividend re-investments and splits? | Calculating and adjusting cost basis accurately is a daunting task, but there is a (paid) online tool, NetBasis, which will automatically calculate and adjust your cost basis. It is used by brokerage firms and Fortune 500 companies and is available to the public. Go to netbasis.com. All you need are the purchase and ... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Can GoogleFinance access total return data? | This is the same answer as for your other question, but you can easily do this yourself: ( initial adjusted close / final adjusted close ) ^ ( 1 / ( # of years sampled) ) Note: "# of years sampled" can be a fraction, so the one week # of years sampled would be 1/52. Crazy to say, but yahoo finance is better at quick, e... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Can GoogleFinance access total return data? | At this time, Google Finance doesn't support historical return or dividend data, only share prices. The attributes for mutual funds such as return52 are only available as real-time data, not historical. Yahoo also does not appear to offer market return data including dividends. For example, the S&P 500 index does no... |
Share your insights or perspective on the financial matter presented in the input. | Credit card grace period for pay, wait 1 day, charge? | You shouldn't be charged interest, unless possibly because your purchases involve a currency conversion. I've made normal purchases that happened to involve changes in currency. The prices were quoted in US$ to me. On the tail end, though, the currency change was treated as a cash advance, which accrues interest imme... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Credit card grace period for pay, wait 1 day, charge? | If I understand you correctly, no you shouldn't be charged interest. Lets say you have a billing cycle of monthly (which usually isn't true). You charge $XX per day, ending up at $1000 at the end of January. So February 1st, your bill for your January billing cycle is $1000, due by Feb 15th (lets say). On February 1st,... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Credit card grace period for pay, wait 1 day, charge? | This will not result in any finance charges: I wouldn't recommend cutting it quite so close, but as long as you pay the full balance as shown on each statement by the due date shown on that same statement, you won't incur a finance charge. Of course this only applies in the case of ordinary purchases that have a grace ... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Applying student loan proceeds toward tuition? | Your university should have a finance department which can help with payments. Speak with them and tell them you have interest in paying for at least part of your next semester in cash. From here they should be able to tell you the best method for this, though most likely cash/check will suffice. If there is no finance... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Is a stock's trade size history publicly available? | That is called a 'volume chart'. There are many interactive charts available for the purpose. Here is clear example. (just for demonstration but this is for India only) 1) Yahoo Finance 2) Google Finance 3) And many more Usually, the stock volume density is presented together (below it) with normal price vs time chart... |
Share your insights or perspective on the financial matter presented in the input. | Is a stock's trade size history publicly available? | You can buy the data and process it on your own. http://www.nyxdata.com/Data-Products/Daily-TAQ |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Is a stock's trade size history publicly available? | My Broker and probably many Brokers provide this information in a table format under "Course of Sale". It provides the time, price and volume of each trade on that day. You could also view this data on a chart in some charting programs. Just set the interval to "Tick by Tick" and look at the volume. "Tick by Tick" will... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Non-EU student, living in Germany, working for a Swiss company - taxes? | I'll assume that you would work as a regular (part-time) employee. In this case, you are technically a Grenzgänger. You will need a specific kind of Swiss permit ("Grenzgängerbewilligung") allowing you to work in Switzerland. Your employer typically takes care of this - they have more experience than you. You being non... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Non-EU student, living in Germany, working for a Swiss company - taxes? | Finally, I got response from finance center: "It doesn't matter where do you study, what does matter is where you live. So, once you live in Germany, you pay taxes in Germany. And it doesn't matter who you work for." So, there are two options to pay taxes: it's paid by an employer or an employee: If I would work f... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Online tools for monitoring my portfolio gains/losses in real time? | This functionality is widely available, not only on brokerage sites, but also financial management and even financial information sites. For instance, two of the latter are Google Finance and Yahoo Finance. If you are logged in, they let you create "portfolios" listing your stocks and, optionally, the size of your ho... |
Share your insights or perspective on the financial matter presented in the input. | Online tools for monitoring my portfolio gains/losses in real time? | Do you have a broker? Any online brokerage (TD Ameritrade, E*Trade, Scott Trade, etc) offer the functionality that you want. If you're not interested in opening a brokerage account, you can search for threads here related to stock market simulation, since most of those services also provide the features that you want. ... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Online tools for monitoring my portfolio gains/losses in real time? | I use Google Finance too. The only thing I have problem with is dividend info which it wouldn't automatically add to my portfolio. At the same time, I think that's a lot to ask for a free web site tool. So when dividend comes, I manually "deposit" the dividend payment by updating the cash amount. If the dividend comes ... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Online tools for monitoring my portfolio gains/losses in real time? | The trick is real time. I like to wake up in the morning, turn on my computer and see at a glance the gain or loss data on each of my stock and bond at that moment. Companies like Ameritrde offer them, but you have to enroll and trade stock in them. |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Walking away from an FHA loan | According to the Trulia reference on the issue, New York is a recourse state. Recourse means that the lender can go after you for the difference between the foreclosure discharge amount (in New York - the higher of the FMV or the actual sale price) and the debt balance. That includes garnishing your wages, seizing your... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Walking away from an FHA loan | Nearly every state in the US is full-recourse. If one doesn't seek bankruptcy protection, creditors can seek judgement, and collect assets. Foreclosures frequently sell for approximately half the market price. Considering unemployment risk, homes can be risky. A far better way to accumulate wealth is with equities (st... |
Share your insights or perspective on the financial matter presented in the input. | Walking away from an FHA loan | One additional penalty is you will be put on the CAIVRS ("cavers") for your default on the FHA mortgage which will preclude you from FHA financing in the future. When purchasing the multifamily unit it is an FHA requirement that you occupy one of the units. Lastly, I would advise against FHA due to elevated costs. C... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Will Indian young ones lose 18% of their EPF with new tax as per Budget 2016? | Are these calculations correct? These are approximate calculations and are with the assumption that entire corpus will be taxed. The assumption was valid as the wording in the budget speech was not very clear. Subsequently the finance ministry has clarified that only interest generated will be taxed and not the contrib... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Why doesn't the market capitalization of a company match its acquisition price during a takeover? | Short answer: google finance's market cap calculation is nonstandard (a.k.a. wrong). The standard way of computing the market capitalization of a firm is to take the price of its common stock and multiply by the number of outstanding common stock shares. If you do this using the numbers from google's site you get arou... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Why is it in a company’s interest to have high stock prices? [duplicate] | After the initial public offering, the company can raise money by selling more stock (equity financing) or selling debt (e.g. borrowing money). If a company's stock price is high, they can raise money with equity financing on more favorable terms. When companies raise money with equity financing, they create new shar... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | What impact does trading in a car have on your credit score? | Paying off your loan in full will most likely not help your credit score, and could potentially even hurt it. Because car loans are installment loans (and thus differ from consumer credit), lenders really only like seeing that you responsibly pay off your loans on time. They don't really care if you pay it off early--l... |
Share your insights or perspective on the financial matter presented in the input. | Transfer car loan for better interest rate | Yes, it is possible for you to refinance your existing auto loan, and so long as you can get the loan on more favorable terms (e.g.: lower interest rate), it is absolutely a smart thing to do. In fact, you would be well advised to do so as soon as possible if the car was a new car, if you refinance a NEW car soon enoug... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Transfer car loan for better interest rate | The key word you are looking for is that you want to refinance the loan at a lower rate. Tell banks that and ask what they can offer you. |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | What's the best online tool that can track my entire portfolio including gains/losses? | You can use a tool like WikiInvest the advantage being it can pull data from most brokerages and you don't have to enter them manually. I do not know how well it handles dividends though. |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | What's the best online tool that can track my entire portfolio including gains/losses? | Mint.com does this quite well. The graph views of your budgets, investments, debts, and other aspects of your financial life can be shown in gestalt, or on a per-account basis (at least, it does for me). See the investment "how it works" page for more information. "Find out whether you're beating the market–or it's be... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | What's the best online tool that can track my entire portfolio including gains/losses? | Google Portfolio does the job: https://www.google.com/finance/portfolio You can add transaction data, view fundamentals and much more. |
Share your insights or perspective on the financial matter presented in the input. | InteractiveBrokers: How to calculate overnight commissions for CFD? | IB's overnight financing cost for US CFDs below $100,000 is the Benchmark Rate + 1.5% for long positions and the Benchmark Rate -1.5% for short positions. You can check the IB CFD Contract Interest for their full list of financing costs for share CFDs. IB's commissions for an executed trade (where your monthly volume ... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | InteractiveBrokers: How to calculate overnight commissions for CFD? | I have found a good explanation here: http://www.contracts-for-difference.com/Financing-charge.html Financing is calculated by taking the overall position size, and multiplying it by (LIBOR + say 2%) and then dividing by 365 x the amount of days the position is open. For instance, the interest rate applicable for overn... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Multiple hard inquiry for a single loan from car dealer? | (I'm a bit surprised that nobody talked about the impact of multiple inquiries on a loan, since OP is concerned with credit building. Probably an answer as opposed to a comment is justified.) Yes. In fact when you shop for auto loan you are expected to have your credit score/report be pulled by different banks, credit ... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Multiple hard inquiry for a single loan from car dealer? | Each goes to a different agency. Yes, it is normal that the lender queries more than one agency. |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Multiple hard inquiry for a single loan from car dealer? | This is normal with the dealer's financing. To add more details to littleadv's answer, what happens is when you get the financing through the dealer, at first, they will try to do the loan on your behalf with local banks in your area. This is why you see several hard inquiries; one from each back. If none of these ban... |
Share your insights or perspective on the financial matter presented in the input. | I can't produce a title for a vehicle I just traded | The old truck is collateral for a loan. The place that made the loan expects that if you can't pay they can repossess that old truck. If you sell it they can't repossess it. The dealer needs clean title to be able to buy the truck from you, so they can fix up the truck and sell it to somebody else. I am assuming the t... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | I can't produce a title for a vehicle I just traded | If your fiancée took a title loan out on your truck you won't be able to trade it in for another vehicle until you pay the loan. The dealer will likely take your "slightly newer" truck back because you won't be able to produce the title for the trade until the other debt is settled. Title loans are a terrible idea. You... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Evaluating an endowment policy for its fairness against other tax saving options in India such as PPF, EPF and even FDs | Or am missing something? Yes. The rate of 8.53 is illustration. There is no guarantee that the rate will be applicable. My yearly premium is Rs. 26289. On this amount I will save tax of Rs. 7887. So net premium is Rs. 18402. The other way to look at this is invest Rs 26289 [or actually less of Eq Term Deposit premium]... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Do I have to explicitly apply for claim of tax rebate u/s 87A in India | If my salary slip says that I will be paying x INR tax this financial year. Then how much minimum investment I need to do to avoid any tax? This rebate is not directly linked to investments. If your total Gross is less than Rs 5 lacs, from the total tax computed, you can claim a rebate of upto Rs 5000. Does salary slip... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Could ignoring sunk costs be used to make an investment look more attractive when it's really not? | I'm not sure that you're considering all the options. So you may not subtract $X from B, but you do compare NPV(B) to $Y. Also, remember that we're not trying to figure out the return on B. We're trying to figure out what to do next. In terms of planning, the sunk cost is irrelevant. But in terms of calculating ... |
Share your insights or perspective on the financial matter presented in the input. | I would like to publicly share the details of my investment portfolio. What websites add value in this regard? | This is going to be a bit of a shameless plug, but I've build a portfolio tracking website to track your portfolio and be able to share it (in read-only mode) as well. It is at http://frano.carelessmusings.com and currently in beta. Most portfolio trackers are behind a login wall and thus will lack the sharing functio... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | At what damage amount should I pursue a homeowner's insurance claim? | Some builders -- if given the first chance to deal with the problem, instead of being presented with a bill after the fact -- will fix the problem at no charge to the homeowner. Good faith matters. My house was built by such a builder. If I have a problem that I am competent enough to diagnose and fix, I fix it mysel... |
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