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1912::0 | Actually, this is a pretty good analogy to certain types of stocks, specifically tech and other "fad" stocks. Around the turn of the century, there were a lot of "Bobs" buying tech stocks (like they would baseball cards), for tech stocks' sakes. That's what drove the internet and tech stock bubbles of high valuations. ... | 1912 | 0 | 0 | 506 | |
2402::0 | Other individuals answered how owning an REIT compares to an individual real estate investment, but did not answer your second question as readily, "are REITs a good option to generate passive income for awhile?". The "awhile" part is quite important in answering this question. If your intentions are to invest for a re... | 2402 | 0 | 0 | 425 | |
2402::1 | The foremost advantage comes from significantly lower transaction fees (stock/ETF trades are practically/potentially free today) compared to purchasing real estate, which involves inspection+titling fees/taxes/broker fees, which in a round-trip transaction (purchase and sale) would come to ~10%. The secondary advantage... | 2402 | 1 | 426 | 1,058 | |
2402::2 | On the other hand, illiquid investments have generally yielded higher historical returns according to past research. | 2402 | 2 | 1,059 | 1,175 | |
3703::0 | I'm not sure where you are, but in the United States capital gains are taxed at a lower rate than other types of income. On the 1040, captial gains income is separated from earned income, and income tax is calculated just on earned income. Then capital gains tax is calculated on capital gains income, and then added to ... | 3703 | 0 | 0 | 341 | |
347::0 | I personally take the zero percent financing plans any day. I have done this with my car and the iphone 6s. The vendors are trying to make it more attractive for you to "afford" the product. It could show up on your credit report and impact the amount of money you can borrow in the future (e.g getting a home loan). ... | 347 | 0 | 0 | 448 | |
2672::0 | Also, in the next sentence, what is buyers commission? Is it referring to the share holder? Or potential share holder? And why does the buyer get commission? The buyer doesn't get a commission. The buyer pays a commission. So normally a buyer would say, "I want to buy a hundred shares at $20." The broker would then... | 2672 | 0 | 0 | 587 | |
2672::1 | So the buyer might pay $2000 for a hundred shares which have a 7% commission. The brokering agent (or agents may share) pockets a commission of $140. Total paid to the seller is $1860. Some might argue that the buyer pays either way, as the seller receives money in the transaction. That's a reasonable outlook. A ... | 2672 | 1 | 589 | 1,164 | |
2672::2 | Another issue with an IPO is that there are more parties getting commission than just one. As a general rule, you still call your broker to purchase the stock. The broker still expects a commission. But the IPO underwriter also expects a commission. So the 7% commission might be split between the IPO underwriter (w... | 2672 | 2 | 1,167 | 1,807 | |
2672::3 | In an IPO, they may increase the price, asking for $25 a share. And they may do that multiple times. Your broker has to come back to you each time and get a new authorization at the higher price. And you still might not get the number of shares that you requested. Beyond all this, you may still be better off buyin... | 2672 | 3 | 1,809 | 2,386 | |
2672::4 | However, if the IPO price is $20 and the price falls to $19.20, you'd be better off buying at $19.20 after the IPO. Even though in that case, you'd pay the 4% commission on top of the $19.20, so about $19.97. I think that the overall point of the passage is that the IPO underwriter makes the most money by convincing... | 2672 | 4 | 2,388 | 2,851 | |
2672::5 | So the IPO underwriter has a lot of incentive to encourage you to participate in the IPO instead of waiting until the next day. The broker doesn't care much either way. They want you to buy and sell something. The IPO or something else. They don't care much as to what. The underwriter may overprice the stock, as ... | 2672 | 5 | 2,853 | 3,468 | |
2672::6 | These numbers may not be accurate. Obviously the $20 stock price is made up. But the 4% and 7% numbers may also be inaccurate. Modern online brokers are very competitive and may charge a flat fee rather than a percentage. The book may be giving you older numbers that were correct in 1983 (or whatever year). The bu... | 2672 | 6 | 3,471 | 3,990 | |
380::0 | Yes, you've summarized it well. You may be able to depreciate your computer, expense some software licenses and may be home office if you qualify, but at this scale of earning - it will probably not cover for the loss of the money you need to pay for the additional SE tax (the employer part of the FICA taxes for W2 emp... | 380 | 0 | 0 | 588 | |
380::1 | That said... Good luck earning $96K on ODesk. | 380 | 1 | 589 | 634 | |
2921::0 | If your parents are not on the deed then I am not sure how it could be their house. It seems like the sale was done unofficially. If your parents or aunt pass away this could be a real mess. Make this official ASAP. It might be possible for your aunt to gift you the house. This may have tax implication but the article ... | 2921 | 0 | 0 | 584 | |
2921::1 | I should have address the "rent to own" plan. If you plan on transferring the house from your aunt to you by renting with $0 monthly payment and then claiming it is all paid off, then I think this would be considered a gifting of the house from your aunt to you. It sounds like fraud to claim you paid something that you... | 2921 | 1 | 586 | 1,036 | |
41::0 | 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... | 41 | 0 | 0 | 436 | |
3620::0 | Los Angeles Times Investing 101 http://www.latimes.com/business/la-moneylib,0,3098409.htmlstory Clark Howard's Investing Guide http://www.clarkhoward.com/news/clark-howard/personal-finance-credit/clarks-investment-guide/nFZK/ | 3620 | 0 | 0 | 225 | |
2493::0 | I do not fully understand the transactions involved, but it appears that there was a reverse stock split (20:1) and some legal status change as well on June 29th. This seems to be the cause for the change in valuation of the stock as the dates match the drop. https://www.otcmarkets.com/stock/RMSLD/filings | 2493 | 0 | 0 | 306 | |
3932::0 | As a minor you certainly can pay tax, the government wants its cut from you just like everyone else :-) However you do get the personal allowance like everyone else, so you won't have to pay income tax until your net income reaches £10,800 (that's the figure for the tax year from April 2015 to April 2016, it'll probabl... | 3932 | 0 | 0 | 462 | |
3932::1 | The current rates are £2.80/week if you are making £5,965 a year or more, and also 9% on any income above £8,060 (up to £42,385). Your "net income" or "profits" are the income you receive minus the expenses you have to support that income. Note that the expenses must be entirely for the "business", they can't be for pe... | 3932 | 1 | 463 | 964 | |
3932::2 | Make sure you keep receipts (perhaps just electronic ones) for the expenses so you can prove they existed later. Keep track of that net income as the year goes on and if it starts collecting at the rate you'd have to pay tax and national insurance, then make sure you also put aside enough money to pay for those when th... | 3932 | 2 | 965 | 1,530 | |
3932::3 | This should be something that anyone can do whatever their age, but it's worth calling them up as soon as you can to check and find out if there are any other issues. They'll probably want you to send in tax returns containing the details of your income and expenses. If you're making enough money it may be worth paying... | 3932 | 3 | 1,531 | 1,885 | |
3940::0 | Yes, I see the same problem. Google's version seems to be correct, however. | 3940 | 0 | 0 | 76 | |
1102::0 | Capital gains tax is an income tax upon your profit from selling investments. Long-term capital gains (investments you have held for more than a year) are taxed significantly less than short-term gains. It doesn't limit how many shares you can sell; it does discourage selling them too quickly after buying. You can bal... | 1102 | 0 | 0 | 545 | |
1102::1 | But in the US, most investments other than the house you are living in (which some of us argue isn't really an investment) are subject to capital gains tax, period. | 1102 | 1 | 546 | 710 | |
3695::0 | A good question -- there are many good tactical points in other answers but I wanted to emphasize two strategic points to think about in your "5-year plan", both of which involve around diversification: Expense allocation: You have several potential expenses. Actually, expenses isn't the right word, it's more like "app... | 3695 | 0 | 0 | 663 | |
3695::1 | For example, your car has been towed and they need cash. A short-term cushion for emergencies -- something bad happens and you need the money in a few days or weeks. (A CD ladder is good for this -- it pays better interest and you can get the money out quick with a minimal penalty.) A long-term savings cushion -- you m... | 3695 | 1 | 664 | 1,272 | |
3695::2 | Retirement savings -- $1 now can be worth a huge amount of money to you in 40 years if you invest it wisely. Here's where the IRA (or 401K if you get a job) comes in. You need to put these in this order of priority. Put enough money in your short-term cushions to be 99% confident you have enough. Then with the remainde... | 3695 | 2 | 1,273 | 1,675 | |
3695::3 | The thing to realize is that you need to make the retirement account off-limits, so you don't want to put too much money there, but the earlier you can get started in a retirement account, the better. I'm 38, and I started both an investment and a retirement account at age 24. They're now to the point where I save more... | 3695 | 3 | 1,676 | 2,130 | |
3695::4 | Income: You need to come up with some idea of what your range of net income (after living expenses) is likely to be over the next five years, so that you can make decisions about your savings allocation. Are you in good health or bad? Are you single or do you have a family? Are you working towards law school or medical... | 3695 | 4 | 2,131 | 2,752 | |
3695::5 | In short, there is no one place you should put your money. But be smart about it and you'll give yourself a good head start in your personal finances. Good luck! | 3695 | 5 | 2,753 | 2,914 | |
2906::0 | This question came up again (Living in Florida working remotely - NY employer withholds NYS taxes - Correct or Incorrect?) and the poster on the new version didn't find the existing answers to be adequate, so I'm adding a new answer. NYS will tax this income if the arrangement is for the convenience of the employee. ... | 2906 | 0 | 0 | 406 | |
2906::1 | New York state taxes all New York-source salary and wage income of nonresident employees when the arrangement is for convenience rather than by necessity (Laws of New York, § 601(e), 20 NYCRR 132.18). | 2906 | 1 | 407 | 607 | |
2906::2 | Source: http://www.journalofaccountancy.com/issues/2009/jun/20091371.html Similar text can also be found here: http://www.koscpa.com/newsletter-article/state-tax-consequences-telecommuting/ The NYS tax document governing this situation seems to be TSB-M-06(5)I. I looked at this page from NYS that was mentioned in the a... | 2906 | 2 | 608 | 948 | |
2906::3 | That language does at first glance seem to lead to a different answer, but the ruling in the tax memo seems to say that if you're out of state only for your convenience then the services were performed in NYS for NYS tax purpose. From the memo: However, any allowance claimed for days worked outside New York State must ... | 2906 | 3 | 949 | 1,443 | |
2007::0 | Well for starters you want to rent it for more than the apartment costs you. Aside from mortgage you have insurance, and maintenance costs. If you are going to have a long term rental property you need to make a profit, or at a bare minimum break even. Personally I would not like the break even option because there ... | 2007 | 0 | 0 | 595 | |
2007::1 | This is a business arrangement. Unless you are recouping some of your losses in another manner then it is bad business to maintain a business relationship that is costing you money. The only thing that may be worth considering is what comparable rentals go for in your area. You may be forced to take a loss if the re... | 2007 | 1 | 596 | 1,156 | |
523::0 | I question the reliability of the information you received. Of course, it's possible the former 401(k) provider happened to charge lower expense ratios on its index funds than other available funds and lower the new provider's fees. There are many many many financial institutions and fees are not fixed between them. ... | 523 | 0 | 0 | 423 | |
2370::0 | In Australia we have a 50% capital gain discount if you hold the asset for more than 12 months, whether it is in shares, property or other assets. The main reason is to encourage people to invest long-term instead of speculating or trading. The government sees speculation or short term trading as more risky than long t... | 2370 | 0 | 0 | 436 | |
2370::1 | In my opinion, long term investing, short term trading and speculation can all be risky for someone who is unedutated in the financial markets, and the first rule of investing should be to consider the asset itself and not the tax implications. | 2370 | 1 | 437 | 681 | |
100::0 | To speak to this a little more broadly: apart from groups like hedge funds and other investors investing for purely speculative purposes, one of the major purposes of forwards (and, for that matter, futures) for companies in the "real economy" is to "lock in" a particular price in advance (or to reduce the risk of some... | 100 | 0 | 0 | 606 | |
100::1 | A currency forward is essentially a hedging tool that does not involve any upfront payment. The other major benefit of a currency forward is that it can be tailored to a particular amount and delivery period, unlike standardized currency futures. This can be a major advantage for planning and risk management purposes. ... | 100 | 1 | 607 | 1,138 | |
100::2 | Thus, it's very worthwhile for me to be able to "lock in" a particular exchange rate so that I know exactly how much I'm going to pay relative to my projected revenue. The goal isn't necessarily to make money off the transaction (maybe they do, maybe they don't) as much as to reduce risk and improve planning ability. T... | 100 | 2 | 1,139 | 1,684 | |
100::3 | If inflation is 3% and your savings account pays 1%, that looks remarkably like a guaranteed 2% loss to me. | 100 | 3 | 1,685 | 1,792 | |
2980::0 | There is no way to stop any merchant from setting a recurring charge flag on a purchase. According to the following article, Mastercard and Visa encourages merchants to use this feature and even give them a better rate. I have found it impossible to stop these unauthorized transactions. The article sites that the merc... | 2980 | 0 | 0 | 561 | |
2980::1 | Sorry but the only solution I have found is to close the account with the bank and move to a different type of card, mastercard to visa, or vice versa. This will only protect you for one move ,because if you have to do this again. Merchants that you thought were forgotten even years later will find you and post a charg... | 2980 | 1 | 562 | 1,139 | |
2980::2 | The article below does state that Mastercard does have a "stop recurring payment" flag. Apparently no CSR tht I have talked to knows about it when I have asked to get a problem fixed. I have found that the only way to stop these charges from happening is to close all my visa and mastercard credit cards, pay with a che... | 2980 | 2 | 1,141 | 1,602 | |
476::0 | I think following the professional money managers is a strategy worth considering. The buys from your favorite investors can be taken as strong signals. But you should never buy any stock blindly just because someone else bought it. Be sure do your due diligence before the purchase. The most important question is not w... | 476 | 0 | 0 | 410 | |
3890::0 | You need to let a lawyer look at it. Concerns you have include: | 3890 | 0 | 0 | 64 | |
1430::0 | As I understand it, if the "borrower" puts a down payment of 20% and the bank puts down 80%, then the bank and the "borrower" own the home jointly as tenants in common with a 20%-80% split of the asset amongst them. The "borrower" moves into the home and pays the bank 80% of the fair rental value of the home each mo... | 1430 | 0 | 0 | 324 | |
1430::1 | {Material added/changed in edit: For the purposes of illustration, suppose that the "borrower" and the bank agree that the fair rental per month is 0.5% of the purchase cost. The "borrower" pays 80% of that amount i.e. 0.4% of the purchase cost to the bank on a monthly basis. The "borrower" is not required to do so... | 1430 | 1 | 326 | 761 | |
1430::2 | If he does so, he will own a larger percentage of the house, and so future monthly payments will be a smaller fraction of the agreed-upon fair rental per month. So there is an incentive to pay off the bank.} If and when the house is sold, the sale price is divided between "borrower" and bank according to the percentage... | 1430 | 2 | 762 | 1,292 | |
1430::3 | It is not a case of a mortgage being paid off from the proceeds and the home-owner gets whatever is left, or even suffering a loss when the dust has settled; the bank gets only its percentage of the sale price even if this amount is less than what it put up in the first place minus any additional payments made by the "... | 1430 | 3 | 1,293 | 1,846 | |
3785::0 | There is nothing called free lunch. The 2% fee indirectly covers the cost of funds and in effect would be a personal loan. Further the repayment period would typically be 3 months and roughly would translate into 7-9% loan depending of repayment schedule etc. There is no harm in trying to get the fee waived, however on... | 3785 | 0 | 0 | 414 | |
2918::0 | Normally, in a war everybody suffers and the entire economy goes down. Military contractors do better than average, but the average sucks. The way to take advantage of knowing a war is coming is to leave as soon as possible. There are strategic materials that can become valuable in a war, but such investments are gener... | 2918 | 0 | 0 | 485 | |
687::0 | Interactive Brokers offers many foreign markets (19 countries) for US based investors. You can trade all these local markets within one universal account which is very convenient in my view. IB offering | 687 | 0 | 0 | 202 | |
1849::0 | I agree, one should not let the tax tail wag the investing dog. The only question should be whether he'd buy the stock at today's price. If he wishes to own it long term, he keeps it. To take the loss this year, he'd have to sell soon, and can't buy it back for 30 days. If, for whatever reason, the stock comes back a ... | 1849 | 0 | 0 | 524 | |
2002::0 | Why would someone invest in other instruments (e.g. stocks) to pay for childrens' college education when the capital gains on those are taxed, unlike a home equity loan? Many tax advantageous vehicles exist for the purpose of saving for college education such as 529 plans, Roth IRAs, Series EE and I bonds. Tax and ... | 2002 | 0 | 0 | 653 | |
2002::1 | Also, the tax advantages of 529 plans, and Roth IRAs are not applicable to purchase a motor boat. With respect, some people like to leave the home equity loan untapped for other uses. More Details: 529 plans are not taxed by on the Federal level when the withdraws are used for college. In many states, contributions t... | 2002 | 1 | 654 | 1,203 | |
2002::2 | If you want a self directed (ability to trade stocks/bonds) vehicle with tax free disbursements for qualified education, consider a Roth IRA. There are yearly contribution limits, and penalty if the proceeds are not used for qualified educational expenses. Also I believe interest revenue from Series EE and I bonds is t... | 2002 | 2 | 1,204 | 1,756 | |
2083::0 | The best thing to do to avoid this is not to sell as you've described. What purpose does it solve? If you're speculating, set a price at which you want to cash out and put a limit order. If you're a long term investor, then unless something fundamental has changed - why would you sell? | 2083 | 0 | 0 | 286 | |
3638::0 | If a stock is trading for $11 per share just before a $1 per share dividend is declared, then the share price drops to $10 per share immediately following the declaration. If you owned 100 shares (valued at $1100) before the dividend was declared, then you still own 100 shares (now valued at $1000). Generally, if the d... | 3638 | 0 | 0 | 441 | |
3638::1 | If you bought those 100 shares only this morning, the dividend gets paid to the seller (who owned the stock until yesterday evening), not to you. You just "bought a dividend:" paying $1100 for 100 shares that are worth only $1000 at the end of the day, whereas if you had just been a little less eager to purchase right ... | 3638 | 1 | 442 | 930 | |
3638::2 | So, assuming that you bought the shares in timely fashion, your holdings just lost value and are worth only $1000. What you do have is the promise that in a couple of days time, you will be paid $100 as the dividend, thus restoring the asset value back to what it was earlier. | 3638 | 2 | 932 | 1,209 | |
3638::3 | Now, if you had asked your broker to re-invest the dividend back into the same stock, then, assuming that the stock price did not change in the interim due to normal market fluctuations, you would get another 10 shares for that $100 dividend making the value of your investment $1100 again (110 shares at $10 each), exac... | 3638 | 3 | 1,211 | 1,689 | |
3638::4 | So, regardless of what other investors choose to do, your asset value does not change as a result of the dividend. What does change is your net worth because that dividend amount is taxable (regardless of whether you chose to reinvest or not) and so your (tax) liability just increased. | 3638 | 4 | 1,690 | 1,977 | |
3675::0 | Open, high, low, close, volume. The hint is that volume on new years day is 0. DC's comment is actually a better answer than mine - when given any data set, you should really know the meaning of each cell/number. | 3675 | 0 | 0 | 213 | |
2705::0 | From an Indian Tax point of view, you can bring back all the assets acquired during the period you were NRI back to India tax free. Subject to a 7 years period. i.e. all the assets / funds / etc should be brought back to India within 7 years. It would still be treated as There are certain conditions / paperwork. Please... | 2705 | 0 | 0 | 334 | |
1948::0 | Use credit and pay your bills on time. That's really about it. If you do that, you don't need to think about credit score. It's really a big distraction that is dwelled on too much. | 1948 | 0 | 0 | 182 | |
798::0 | Offset against taxable gains means that the amount - $25 million in this case - can be used to reduce another sum that the company would otherwise have to pay tax on. Suppose the company had made a profit of $100 million on some other investments. At some point, they are likely to have to pay corporation tax on that am... | 798 | 0 | 0 | 583 | |
798::1 | If corporation tax is about 32% that would explain the claimed saving of approximately $8 million. It sounds like the Plaintiffs want the stock to be sold on the market to get that tax saving. Presumably they believe that distributing it directly would not have the same effect because of the way the tax rules work. I d... | 798 | 1 | 584 | 1,135 | |
798::2 | It's also possible - though this is all very speculative - that if the loss isn't realised when they distribute it directly, then the "cost basis" of the shareholders would be the price the company originally paid for the stock, rather than the value at the time they receive it. That in turn could mean a tax advantage ... | 798 | 2 | 1,136 | 1,477 | |
2180::0 | I don't think there are any web based tools that would allow you to do this. The efforts required to build vs the perceived benefit to users is less. All the web providers want the data display as simple as possible; giving more features at times confuses the average user. | 2180 | 0 | 0 | 273 | |
116::0 | It can be done, but I believe it would be impractical for most people - i.e., it would likely be cheaper to fly to Europe from other side of the world to handle it in person if you can. It also depends on where you live. You should take a look if there are any branches or subsidiaries of foreign banks in your country ... | 116 | 0 | 0 | 468 | |
1732::0 | Slippage is tied to volatility, so when volatility increases the spread will also increase. There is no perfect formula to figure out slippage but from observations, it might make sense to look at the bar size in relation to previous bars to determine slippage (assuming fixed periods). This is because when there is a s... | 1732 | 0 | 0 | 463 | |
1321::0 | There are two things you need to keep in mind when you look at Inflation as an entity. Inflation is necessary to keep in check the value of goods. As per Moore's Law for example, a mobile phone that you buy for £100 today will be available for £50 in two years. With increased purchasing power, one needs to maintain bal... | 1321 | 0 | 0 | 478 | |
1321::1 | But if you looked at the same cell phone as leverage for your business where it allowed you to do work and earn £1000 in two years - the investment would clearly offset the cost of inflation. Inflation is incentive for people to spend their money. If you for example spent all of your £100 today, it is £100 income for s... | 1321 | 1 | 479 | 1,040 | |
120::0 | I've never seen a dividend, split or other corporate action during the day, but I have seen trade suspended a few times when something big happened. The market opening price is not in general the same as the close of the previous day. It can gap up or down and does frequently. I don't know of an api to find out if the ... | 120 | 0 | 0 | 390 | |
2972::0 | The Margin Account holds the funds that are MUST for any margin trades. Any funds excess of the MUST for margin trades are kept in the SMA account. These funds can be used for further Margin trades in new securities [funds get transfered into the Margin Account]. They cannot be used to met the Shortfall due to margin c... | 2972 | 0 | 0 | 439 | |
3883::0 | Without knowledge of the special provisions of your loan contract, the one with the highest interest rate should be paid first. Or, if one's fixed payment is much larger than the other, and it is a burden, then it should be paid first, but refinancing may be an option. Socially speaking and possibly even economically s... | 3883 | 0 | 0 | 455 | |
3883::1 | Economically speaking, I would recommend no prepayment since the asset that is leveraged is your mind which will last many decades, probably exceeding the term of the loan, but some caveats must be handled first: Many would disagree, but I finance the way I play poker: tight-aggressive. | 3883 | 1 | 456 | 743 | |
1111::0 | Option 1: You can write to uanepf@epfindia.gov.in giving the details of both the UAN's. This will be able to merge both these under the current EPF. Option 2: You can request a transfer of EPF from old EPF [under different UAN] to the current EPF. This can be done by submitting the required form. Your company should b... | 1111 | 0 | 0 | 571 | |
3105::0 | That price is the post-tender price, which already reflects arbitrage. It's less than $65 on the market because that's the highest offer out there and the market price reflects the risk that the $65 will not be paid. It also reflects the time value of money until the cash is disbursed (including blows to liquidity). ... | 3105 | 0 | 0 | 602 | |
3105::1 | Two months ago JOSB traded around $55, and four months ago it traded around $50. If the deal fails, then you could be stuck either taking a big loss to get out of the stock or waiting months (or longer) in the hope that another deal will come along and pay $65 (which may leave you with NPV loss from today). The marke... | 3105 | 1 | 603 | 1,128 | |
3105::2 | You can still make money on it, if the merger goes through. Some investors believe they have a better way to make money, and no doubt the tender offer of the incipient merger of two publicly traded companies is already heavily arbitraged. But that said, it may still pay off. Tender offer arbitrage is discussed in thi... | 3105 | 2 | 1,130 | 1,460 | |
3448::0 | I was once the personal assistant to two wealthy NYC sisters. They did not pay for anything. For example, if we were riding the subway, I would pay, and be reimbursed by the Company. They had multiple residences and investment properties. Each property was purchased through a separate Limited Liablity Corporation, and ... | 3448 | 0 | 0 | 575 | |
2687::0 | Previously, Google had a delayed update for their stock prices (15 minutes I believe). That change enabled users of Google Finance to see updates to stock prices in real-time. | 2687 | 0 | 0 | 175 | |
2791::0 | In addition to the other answers it's also noteworthy that the stock exchanges themselves adjust the price quotes via their ex-div mechanism. All limit orders present in the book when the stock goes ex-div will be adjusted by the dividend. Which means you can't even get "accidentally" filled in the very unlikely case ... | 2791 | 0 | 0 | 364 | |
941::0 | I'd say the opposite of hedging is speculating. If you are convinced an asset will appreciate in value, or rather the probability of gains is enough to induce you to hold the asset, you are a speculator. There are lots of ways of speculating, including holding risky assets without hedging that risk and possibly magni... | 941 | 0 | 0 | 621 | |
941::1 | The word speculation has been tainted by politicians and others trying to vilify the practice, but at the end of the day it's what we are all doing when we buy stock or any other risky asset. | 941 | 1 | 623 | 814 | |
539::0 | I'm going to be a bit off topic and recommend 'The Only Investment Book You'll Ever Need' by Andrew Tobias. It doesn't start with describe the workings of the stock market. Instead, it starts with making sure you have a budget and have your basic finances in order BEFORE going into the stock market. This may not sound ... | 539 | 0 | 0 | 449 | |
2538::0 | The answer is just close your eyes and ignore it (in your words). I'm right there with you, the amount of detail that I track in my personal finances would be called obscene by some people. But as you look at these features in any accounting application, you need to ask the question "What does this information represe... | 2538 | 0 | 0 | 625 | |
2538::1 | These markers exist on all transactions, whichever end of the splits you are looking at. When reviewing the Expense side of the transaction, it might make less sense to see these reconciliation markers, because as you stated, nobody receives documentation related to their expenses. However, if you itemized your expen... | 2538 | 1 | 628 | 1,307 | |
2538::2 | Not everyone would find such an activity useful, thus the reconciliation markers are present everywhere but required nowhere. | 2538 | 2 | 1,308 | 1,433 | |
2851::0 | Without the specifics of the contract, as well as the specifics of the country/state/city you're moving to, it's hard to say what's legal. But this also isn't law.se, so I'll answer this from the point of view of personal finance, and what you can/should do as next steps. Whenever paying an application fee or a deposi... | 2851 | 0 | 0 | 579 | |
2851::1 | So for a car, you'd want to have the complete specifications - make, model, year, color, extra packages, and any relevant loan information if applicable. You wouldn't just hand a dealer $2000 for "a Toyota Camry", you'd make sure it was specified which one, in writing, as well as the total you're expecting to pay. Sa... | 2851 | 1 | 580 | 1,094 | |
2851::2 | This is to avoid a common tactic: bait and switch, which is what it looks like you've run into. A company puts forth a "nice" model, everything looks good, you get far enough in that it seems like you're locked in - and then it turns out you're really getting a less nice model that's not as ideal as whatever you signe... | 2851 | 2 | 1,095 | 1,666 | |
2851::3 | Pray I don't alter it any further." So; what do you do when you've been bait-and-switched? The best thing to do is typically to walk away. Try to get your application fee back; you may or may not be able to, but it's worth a shot, and even if you cannot, walk away anyway. Someone who is going to bait-and-switch on you ... | 2851 | 3 | 1,667 | 2,168 |
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