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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... | How to rebalance a passive portfolio if I speculate a war is coming? | ||
I recall the name Martin Pring. As my fundamental analysis book from grad school was the work of Graham and Dodd titled Security Analysis, Pring was the author of the books I read on technical analysis. If you've not read his work, your education has a ways to go before you hit the tools. | How to learn about doing technical analysis? Any suggested programs or tools that teach it? | ||
The Securities Industry and Financial Markets Association (SIFMA) publishes these and other relevant data on their Statistics page, in the "Treasury & Agency" section. The volume spreadsheet contains annual and monthly data with bins for varying maturities. These data only go back as far as January 2001 (in most cases)... | Where can I find historical United States treasury note volume? | ||
A) a tax treaty probably covers this for the avoidance of double taxation. Tax treaties can be very cryptic and have little precedence clarifying them http://www.irs.gov/businesses/international/article/0,,id=169552,00.html B) I'm going to say NO since the source of your income is going to be US based. But the UK tax l... | As an American working in the UK, do I have to pay taxes on foreign income? | ||
In your comment in response to this answer, you said that your biggest issue is oversight, which you can do by checking your online bank account regularly. Mint.com looks good but you're in Australia? Easy, check out getpocketbook.com. Using it and love it, helps a lot to track your tracking, and it's a god-send during... | Trouble sticking to a budget when using credit cards for day to day transactions? | ||
For most people Term is the way to go. I consider life insurance a necessity not an investment. See this article on SmartMoney. | What's the difference between Term and Whole Life insurance? | ||
Assuming the data you're referring to is this line: the difference might be related to the different exchanges on which the stock trades. FINRA could be listing the reported volume from one exchange, while the NASDAQ data might be listing the volume on all exchanges. This is an important distinction because AAV is a C... | What is the difference between FINRA share volume and NASDAQ share volume? | ||
Support and resistance only works as a self-fulfilling prophecy. If everyone trading that stock agrees there's a resistance at so-and-so level, and it is on such-and-such scale, then they will trade accordingly and there will really be a support or resistance. So while you can identify them at any time scale (although ... | On what time scales are stock support and resistance levels meaningful? | ||
Yes. I can by all means start my own company and name myself CEO. If Bill Gates wanted to hire me, I'll take the offer and still be CEO of my own company. Now, whether or not my company makes money and survives is another question. This is the basis of self-employed individuals who contract out their services. | Can a entrepreneur hire a self-employed business owner? | ||
Institutions and market makers tend to try and stay delta neutral, meaning that for every options contract they buy or write, they buy or sell the equivalent underlying asset. This, as a theory, is called max pain, which is more of an observation of this behavior by retail investors. This as a reality is called delta h... | What is the effect of options expiration on equity pricing? | ||
Who says they don't? In the United Kingdom the Bank of England and the Bank of Scotland print the money. In some other countries (like Hong Kong, Israel, and the US) commercial banks were issuing the currency at some point of time, but now the governments do that. The problem with commercial banks issuing currency is t... | Why don't banks print their own paper money / bank notes? | ||
The closer the contribution is to the December 31st date, the more profitable that specific contribution is, only taking into consideration the 5% discount. On your case, the first contribution that beats your student loans interest rate is the August one, where you get about 9% annual return, the remaining contributio... | Is this Employee Stock Purchase Plan worth it when adding my student loan into the equation? | ||
First, a clarification. No assets are immune to inflation, apart from inflation-indexed securities like TIPS or inflation-indexed gilts (well, if held to maturity, these are at least close). Inflation causes a decline in the future purchasing power of a given dollar1 amount, and it certainly doesn't just affect governm... | What effect would currency devaluation have on my investments? | ||
If he asked you to invest his money with certain objectives which resulted in you buying specific stocks for him with his money, then sell all the stocks which you bought with his money and the capital and profits to him. You may want to calculate the trading fees that you incurred while buying these specific stocks an... | How to split stock earnings? | ||
As a buyer, one of the easiest ways to save on closing costs is to avoid title insurance. This will only apply if you are a cash buyer, as a mortgage writer will typically require title insurance. It is also one of the most ill-advised ways to save money. You need title insurance. For the most part, there is real... | How can I save on closing costs when buying a home? | ||
You're correct in your implied point: Selling a cash secured put has less risk (in terms of both volatility and maximum loss) than buying the security outright. However, many brokerages don't allow cash-secured put writing in IRA accounts. There are three reasons this tends to be the case: | Why won't my retirement account let me write a “covered put”? | ||
The issue for you seems to be the sequence of events. Presumably, there will be a gain in the fund. In one year, you have a fund worth $100,000 and the $8500 your netted from the $10,000 dividend. (Dividends are taxed at 15% for most of us. If your taxable income is under $38K single, it's $0) An $8500 net return for t... | Paying taxes on dividends even though your capital gains were $0? | ||
Maybe a bit off topic, but I suggest reading "Rich Dad Poor Dad" by Robert Kiyosaki. An investment is something that puts money to your pocket. If your properties don't put money to your pocket (and this seems to be the case), then they're not an investment. Instead, they drain money from you pocket. Therefore you shou... | Borrowing money to buy shares for cashflow? | ||
The biggest risk is Credit Utilization rate. If you have a total of $10,000 in revolving credit (ie: credit card line) and you ever have more than 50% (or 33% to be conservative) on the card at any time then your credit score will be negatively impacted. This will be a negative impact even if you charge it on day one ... | Paying for things on credit and immediately paying them off: any help for credit rating? | ||
I don't think you understand options. If it expires, you can't write a new call for the same expiration date as it expired that day. Also what if the stock price decreases further to $40 or even more? If you think the stock will move in either way greatly, and you wish to be profit from it, look into straddles. | Covered call when stock position is at a loss | ||
A "covered put" of the form of being short, and buying at the strike price if the "put ... is put" (excercise), is off the table simply because you can't do shorts in the retirement account. Even if you feel you "win" the argument that you're hedged by being short, any broker can say, "we simply forbid shorts" and that... | Why won't my retirement account let me write a “covered put”? | ||
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... | Which student loans to pay off first: Stafford or private? | ||
The points given by DumbCoder are very valid. Diversifying portfolio is always a good idea. Including Metals is also a good idea. Investing in single metal though may not be a good idea. •Silver is pretty cheap now, hopefully it will be for a while. •Silver is undervalued compared to gold. World reserve ratio is arou... | Pros & cons in Hungary of investing retirement savings exclusively in silver? What better alternatives, given my concerns? | ||
You are right, it is a Ponzi scheme unless it pays all of the profits as dividends. Here's why: today's millenials are saving a lot less, and instead they choose to be spenders. It's just that their mentality is different. If the trend continues there will be more spenders and less savers. That means that in 20 years ... | Does the stock market create any sort of value? | ||
The reason is in your own question. The answer is simple. They use that code to tax the product otherwise it would just be out of pocket expenses. | Why does the Fed use PCE over CPI? | ||
I'll skip the "authorizing...." and go right to uses of new shares: Companies need stock as another liquid asset for a variety of purposes, and if not enough stock is available, then may be forced to the open market to acquire, either by exchanging cash or taking on debt to get the cash. | Why would I vote for an increase in the number of authorized shares? | ||
What is your biggest wealth building tool? Income. If you "nerf" your income with payments to banks, cable, credit card debt, car payments, and lattes then you are naturally handicapping your wealth building. It is sort of like trying to drive home a nail holding a hammer right underneath the head. Normal is broke... | What's a normal personal debt / equity ratio for a highly educated person? | ||
I don't know about keeping different rollover IRAs separate. But I know that there is a reason to keep rollover IRAs separate from other traditional IRAs -- if you want to roll them back into a 401(k) in the future, some 401(k)s only allow funds that were rolled over from a 401(k) originally. | Any reason to keep IRAs separate? | ||
The official source is the most recent Form 13F that Berkshire Hathaway, which is filed with the Securities & Exchange Commission on a quarterly basis . You can find it through the SEC filing search engine, using BRKA as the ticker symbol. and then looking for the filings marked 13-FR or 13-FR/A (the "/A" indicates a... | Official site to follow Warren Buffet's Berkshire Hathaway change in investment holdings? | ||
Am I required to send form 1099 to non-US citizens who are not even residing in the US? Since they're not required to file US taxes, do I still have to send the form to them? That's tricky. You need to get W8/W9 from them, and act accordingly. You may need to withhold 30% (or different percentage, depending on tax trea... | Dealing with Form 1099 | ||
The Yahoo Finance API is no longer available, so Finance::Quote needs to point at something else. Recent versions of Finance::Quote can use AlphaVantage as a replacement for the Yahoo Finance API, but individual users need to acquire and input an AlphaVantage API key. Pretty decent documentation for how to this is ava... | How to fix Finance::Quote to pull quotes in GnuCash | ||
The only good reason I find to close cards are: it's a card with an annual fee that you don't need. No point bleeding money each year. churning rewards. Open card to get bonus promotion such as "spend $500 in first 3 months, get $200 bonus". Close card and open a year later to do that same bonus again if available. ... | Is it ever a good idea to close credit cards? | ||
Specific stock advice isn't permitted on these boards. I'm discussing the process of a call spread with the Apple Jan 13 calls as an example. In effect, you have $10 to 'bet.' Each bet you'd construct offers a different return (odds). For example, If you bought the $750 call at $37.25, you'd need to look to find what ... | What is the best way to make a bet that a certain stock will go up in the medium term? | ||
Can you tell me please, is it really hard to make international wire transfer for payment my job and can i resolve this problem without using third party services? This is mostly a barrier, the form at times is quite complicated. For Russia, one has to enter "Purpose of remittance" ... at times select intermediate bank... | How hard for US customers make payments to non-resident freelancer by wire transfer? | ||
If the market believes that the company is overstaffed, then management acknowledging the issue and resolving the problem can result in the price going up. It can also mean that external events drove the price up, and the bad news was lost in the other issues of the day. Sometimes layoffs are a sign of the company ent... | Why is it that stock prices for a company seem to go up after a layoff? | ||
You must understand that not everyone has or can get credit cards. Consider that those who are in the the lowest 20-30% of income tend to have fewer credit cards (or none), and lower credit debt, although some have quite high credit card debt relative to their income. So you really aren't comparing the same demographi... | How can people have such high credit card debts? | ||
I can't speak authoritatively to your broader question about stocks in general, but in several years tracking AAPL closely, I can tell you that there's little apparent pattern to when their earnings call will be, or when it will be announced. What little I do know: - AAPL's calls tend to occur on a Tuesday more than a... | How companies choose earnings release dates, & effect on Implied Volatility | ||
You have to file and issue each one of them a 1099 if you are paying them $600 or more for the year. Because you need to issue a 1099 to them (so they can file their own taxes), I don't think there's a way that you could just combine all of them. Additionally, you may want to make sure that you are properly classifying... | Would I need to keep track of 1099s? | ||
For simplicity, let's start by just considering cash back. In general, cash back from credit cards for personal use is not taxable, but for business use it is taxable (sort of, I'll explain later). The reason is most personal purchases are made with after tax dollars; you typically aren't deducting the cost of what you... | Using credit card points to pay for tax deductible business expenses | ||
As Ross says, SPX is the index itself. This carries no overheads. It is defined as a capitalization-weighted mixture of the stocks of (about) 500 companies. SPY is an index fund that tries to match the performance of SPX. As an index fund it has several differences from the index: | Why don't SPY, SPX, and the e-mini s&p 500 track perfectly with each other? | ||
A checking account is one that permits the account holder to write demand drafts (checks), which can be given to other people as payment and processed by the banks to transfer those funds. (Think of a check as a non-electronic equivalent of a debit card transaction, if that makes more sense to you.) Outside of the abil... | What is a checking account and how does it work? | ||
Millionaire, Shmillionaire! Let's do this calculation Bruno Mars style (I wanna be a Billionaire...) If my calculations are correct, in the above scenario, at age 80, you would have more than a billion in the bank, after taxes. | Can saving/investing 15% of your income starting age 25, likely make you a millionaire? | ||
See this link...I was also looking an answer to the same questions. This site explains with an example http://www.independent-stock-investing.com/PE-Ratio.html | What is the formula for determining estimated stock price when I only have an earning per share number? | ||
Emergency funds have a very specific and obvious benefit; you'll have money sitting around in case you need it. A lot of people think a big car repair or some unexpected home repair is an emergency, and that's fine. Emergency also expands up to "I lost my job four months ago and we're a year in to a recession, the st... | why do I need an emergency fund if I already have investments? | ||
I've skimmed through the answers given and I'd like do add another possible scenario. I've recently heard about this exact thing happening to someone only the money originally was a loan taken in the receivers name. 1) Scumbag finds out personal data – including social number, bank account and phone – of Innocent Vict... | I received $1000 and was asked to send it back. How was this scam meant to work? | ||
For the vast majority, "buying" a house via a mortgage is not an investment. I use quotes around buying because from a technical perspective you don't own anything until you've paid it off; this is often an important point that people forget. It's highly unlikely you'll make more on it than the amount you put into it ... | I earn $75K, have $30K in savings, no debt, rent from my parents who are losing their home. Should I buy a home now or save? | ||
First, check out some of the answers on this question: Oversimplify it for me: the correct order of investing When you have determined that you are ready to invest for retirement, there are two things you need to consider: the investment and the account. These are separate items. The investment is what makes your mone... | Best starting options to invest for retirement without a 401k | ||
They don't have to take cash if they reasonably told you in advance they don't take cash, because they made fair effort to prevent you from incurring a debt. They don't have to take cash if the transaction hasn't yet happened (not a debt) or if it can be easily undone at no cost to either party - such as a newspaper s... | In what cases can a business refuse to take cash? | ||
I'm the contrarian in the crowd. I think credit scores and debt are the closest thing to evil incarnate. You're in good company. The absence of a credit score simply means the agencies have insufficient data in their behavioral model to determine how profitable your business would be to the bank. The higher your score,... | Do I not have a credit score? | ||
You want to leave your estate assets to your heirs, and you don't want them to be burdened with a huge tax bill. Fortunately, there are many ways to maximize their tax savings through estate planning. If you can reduce your gross estate value to an amount that is lower than the federal threshold for the tax, your heirs... | What strategies can I employ to minimize estate taxes? | ||
A mortgage lender will not usually lend more than they could get if they had to repossess the property and sell it to recover their investment (in the U.S. it is generally accepted that 80% of market value is the golden number that makes the mortgage work). That's why an appraisal is required. Even with 50% down, the ... | Questioning my Realtor | ||
Remember that due to inflation you are paying back the loan with cheaper dollars in the future. If there are no gimmicks in the loan like early payment penalties, or must pay by a certain date or that the credit was for a store that sold the products at a higher price than you could get elsewhere then you are not just... | Should I pay cash or prefer a 0% interest loan for home furnishings? | ||
One other consideration is that by paying off your mortgage early versus, for example, investing that capital in a mutual fund is that you are reducing your net liquidity to some degree. That is, if you find yourself needing an emergency infusion of cash it is easier to sell a stock/fund than to sell your house or get ... | Missing opportunity cost of mortgage prepayment | ||
Accidents and tickets more than 3 years old generally won't affect you. I use an insurance broker who shops a bunch of different companies and buys me the best policy. (He gets a cut as a middle-man, but saves me more than going direct and gives great advice when I have a question.) Since you haven't been only your... | How can I determine how much my car insurance will cost me? | ||
It probably doesn't matter since your credit and your checking are at the same institution, but I don't like to let my credit auto draft my checking. I always do it the other way around (and keep them at different places) I feel like there is more control when my money is gone that way. | Should I pay off my credit card online immediately or wait for the bill? | ||
Sure! Anything that affects the balance of supply and demand could cause rent prices to fall. I'll betcha rent prices in Wilmington, Ohio collapsed when the biggest employer, DHL, shut down. An economic depression of any sort would cause people to substitute expensive rentals for cheaper ones, putting downward pressure... | What can cause rent prices to fall? | ||
How is it possible for the average investor to underperform the market? The "average" investor probably makes some bad decisions. You also might need to take transaction costs into play (including borrowing on margin), so that there's a natural "erosion" of returns across the market. Meaning if transaction/borrowing c... | Dalbar: How can the average investor lose money? | ||
All great answers. The only thing I didn't see mentioned was that student loans are not dischargable in a bankruptcy. So for example if you took money that could have gone to student loans and poured it into other debt, then for some reason declared bankruptcy later, your student load debt would remain while other debt... | At what point should I begin paying off student loans? | ||
As the other answers suggest, there are a number of ways of going about it and the correct one will be dependent on your situation (amount of equity in your current house, cashflow primarily, amount of time between purchase and sale). If you have a fair amount of equity (for example, $50K mortgage remaining on a house ... | Can I buy a new house before selling my current house? | ||
Regarding investing in gold vs. stocks, I don't think I could say it better than Warren Buffett: You could take all the gold that's ever been mined, and it would fill a cube 67 feet in each direction. For what that's worth at current gold prices, you could buy all -- not some -- all of the farmland in the Uni... | What are the benefits of opening an IRA in an unstable/uncertain economy? | ||
Many CEOs I have heard of earn a lot more than 200k. In fact a lot earn more than 1M and then get bonuses as well. Many wealthy people increase there wealth by investing in property, the stock market, businesses and other assets that will produce them good capital growth. Oh yeh, and luck usually has very little to do ... | How do I build wealth? | ||
Yes, you can open a Trading Account at one place and a Demat Account at another place. Therefore you can open Trading Account at Sharekhan and Demat Account at OBC. However, it would be more convenient for you if both the accounts are opened at the same place which would reduce unnecessary work after every transaction. | What do I need to start trading in the NSE (National Stock Exchange)? | ||
Each company that has an account with the credit card network has to classify themselves as a particular type of business. The credit card company uses that classification to catagorize the transaction on your statement. If you buy a T-shirt at a grocery, amusement park, gas station, or resturant; the transaction will... | How can I determine which stores are regarded as supermarkets for a rewards credit card? | ||
From https://secure.wikimedia.org/wikipedia/en/wiki/Banc: Banq (also Banc, banc-corp, bancorp, or bancorporation) is an intentionally erroneous spelling of the word bank, but pronounced the same way. It has been adopted by companies which are not banks but wish to appear as such, and satisfy legal restrictions on the u... | Why does Bank of America sometimes refer to itself as Banc of America on some documents? | ||
Yes, stock price is determined by the last trade price. There are always going to be people who have put in a price to buy a stock (called a bid price) and people who have put in a price to sell a stock (called an ask price). Based on your example, if the last trade price for the stock was $1.23, then you might have th... | How is stock price determined? | ||
The reason to put more money down or accept a shorter maximum term is because the bank sweetens the deal (or fails to sour it in some fashion). For example, typically, if there is less than 20% down, you have to pay an premium called "Private Mortgage Insurance", which makes it bad deal. But I see banks offering the s... | Buying a house, how much should my down payment be? | ||
Here's what you can do: roll up your sleeves and get to work. Work 2 or 3 jobs while you take 12 credit hours. Live in the cheapest available housing (that is reasonably safe). Have no social life. Wake up, work, class, eat, work, study, sleep. Every day. Don't eat at restaurants. Eat only simple meals at home. ... | How can I pay for school to finish my degree when I can't get a student loan and have bad credit? | ||
When Hewlett Packard split they changed their name to HP Inc. and spun off Hewlett Packard Enterprise as a new corporation. This means HP Inc. has the same stock history and ticker (HPQ) as Hewlett Packard did so that's the one you want to search for. As you noticed this also means it's impossible to search for old Hew... | Where can I find the nominal price of a stock prior a split into multiple companies? | ||
In my opinion, the key variable for you (and others) is not age, but "vintage." Your "age" suggests that you were born in the mid-1980s, in the middle of a bull market. The most remunerative investing periods for you are likely to be in your childhood (past) and middle age (forties and early fifties). Also your, "old-o... | What is a good asset allocation for a 25 year old? | ||
In theory, in a perfect world, what you state is almost true. Apart from transaction fees, if you assume that the market is perfectly efficient (ie: public information is immediately reflected in a perfect reflection of future share value, in all share prices when the information becomes available), then in theory any ... | Is it accurate to say that if I was to trade something, my probability of success can't be worse than random? | ||
Borrow the lot (as your family recommended)! The extra money will come in useful when you want to buy a house and move back to the area where your employer is. The government loan in the UK is a fantastic system, just a shame they are charging you so much in tuition fees... | UK university student finance - should I use my sponsorship money to pay the debt? | ||
Okay so I am going to break this answer into a couple sections: Okay so first things first. Did you get a good deal? This is challenging to answer for a number of reasons. First, a good deal is relative to the buyers goals. If you're attempting to buy an asset that provides passive income then maybe you met your goal a... | Real Estate: Please review my recent investment (with numbers from recent purchase) | ||
All transactions within an IRA are irrelevant as far as the taxation of the distributions from the IRA are concerned. You can only take cash from an IRA, and a (cash) distribution from a Traditional IRA is taxable as ordinary income (same as interest from a bank, say) without the advantage of any of the special tax ra... | What taxes are assessed on distributions of an inherited IRA? | ||
For two reasons: 1- People are entitled to deductions and credits that your employer cannot possibly know. Only you as an individual know about your personal situation and can therefore claim these deductions and credits by filing income tax returns. 2- Me telling you that you made $100,000 last year is not the same as... | Why do Americans have to file taxes, even if their only source of income is from a regular job? | ||
The offering price is what the company will raise by selling the shares at that price. However, this isn't usually what the general public sees as often there will be shows to drive up demand so that there will be buyers for the stock. That demand is what you see on the first day when the general public can start buy... | Why would a stock opening price differ from the offering price? | ||
Utilization is near real-time. What that means is that what is reported is what is taken in terms of debt-to-income (DTI) ratios. When a mortgage broker pulls your credit, they will pull the latest balances with the minimum payments. This is what is taken to determine DTI along with your gross monthly income. If you do... | Should I pay half a large balance this month before I get my CC statement? | ||
If there are a lot of houses for sale, can you be sure that in a year or two you can sell yours? How long does the average house in that area stay on the market before it is sold? What percentage of houses never get sold? If it can't be sold due to the crowded market you will be forced to rent the house. The question ... | Buying a house for a shorter term | ||
A number of ways exist to calculate the chances of a particular outcome. Options, for example, use current price, cost of money, and volatility among other factors to price the chance of an underlying asset reaching a certain price in a certain timeframe. A graphical forecast simply puts these calculations into a visu... | How is a probability cone read? | ||
Disputing the remark seems unlikely to move your score, since it is just that -- a remark. It's hard to say whether the scoring models can/do read the remarks and incorporate them (somehow) into the scoring metric itself. Disputing the revolving account that should be reported as closed is a different matter. The que... | Disputing Items to Improve Credit Report | ||
If you're truly ready to pay an extra $1000 every month, and are confident you'll likely always be able to, you should refinance to a 15 year mortgage. 15 year mortgages are typically sold at around a half a point lower interest rates, meaning that instead of your 4.375% APR, you'll get something like 3.875% APR. That... | Paying extra on a mortgage. How much can I save? [duplicate] | ||
I wish I would have: | What one bit of financial advice do you wish you could've given yourself five years ago? | ||
Yodlee and Mint are good solutions if you don't mind your personal financial information being stored "in the cloud". I do, so I use Quicken. Quicken stores whatever you give to it for as long as you want: so the only question is how to get the credit card transactions you want into it? All my financial institutions al... | Canadian personal finance software with ability to export historical credit card transactions? | ||
Typically, businesses always charge their 'home' currency, so if the shop is in Canada, you will pay Canadian Dollars. Normally you don't have any choices either. Your credit card company will convert it to your currency, using the current international currency exchange rate (pretty good), plus a potential fee between... | Ordering from Canada, charged in CAD or USD? | ||
I believe you are missing knowledge of how to conduct a ratio analysis. Understanding liquidity ratios, specifically the quick or acid-test ratio will be of interest and help your understanding. http://www.investopedia.com/terms/a/acidtest.asp Help with conducting a ratio analysis. http://www.demonstratingvalue.org/res... | Why does ExxonMobil's balance sheet show more liabilities than assets? | ||
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... | Taking a car loan vs cash and effect on credit score | ||
You're potentially in very deep water here. You don't know who this person is that you're dealing with. Before you'd even met him, he just gave you his banking info, seemingly without a second thought. You have no idea what the sources of his money are, so what happens if the money is stolen or otherwise illegal? I... | A guy scammed me, but he gave me a bank account number & routing number. Can I use that to take out what he owes me? | ||
The breakeven amount isn't at 8 years. You calculated how many years of paying $500 it would take to break even with one year of paying $4000. 8 x 10 years = 80 years. So by paying $500/year it will take you 80 years to have spent the same amount ($40000 total) as you did in 10 years. At this point it may seem obvious ... | For insurance, why should you refuse $4,000/year for only 10 years and prefer $500/year indefinitely? | ||
According to Intuit, you cannot claim the $50 charitable contribution, so the entire $2000 / month will be taxable instead of $1900. That's only an extra $35 if your combined tax rate is 35%. As TTT mentioned, do this for the experience, not for the money. My wife and I have been hosting international students for 10 y... | 1099 Misc for taking care of foreign exchange students | ||
No, it isn't generally believed that inflation is caused by individual banks printing money. Governments manage money supply through Central Banks (which may, or may not, be independent of the state). There are a number of theories about money supply and inflation (from Monetarist, to Keynesian, and so on). The Quanti... | Do Banks Cause Inflation? What are other possible causes? | ||
As far as I know, the AMT implications are the same for a privately held company as for one that is publicly traded. When I was given my ISO package, it came with a big package of articles on AMT to encourage me to exercise as close to the strike price as possible. Remember that the further the actual price at the ti... | Any advantage to exercising ISO's in company that is not yet public? | ||
You can look at TIPS (which have some inflation protection built in). Generally short term bonds are better than long if you expect rates to rise soon. Other ways that you can protect yourself are to choose higher yield corporate bonds instead of government bonds, or to use foreign bonds. There are plenty of bond funds... | What happens to bonds values when interest rates rise? [duplicate] | ||
Primarily because they don't want big price movements when they are in the market. If they spook the markets, either they have to buy at a higher price, or they sell at a lower price or they decrease the price of their holdings(which isn't always a big factor). The 3 situations they didn't want to be in the first place... | Why don't institutions share stock recommendations like Wall Street analysts? | ||
What you are seeing is the effects of inflation. As money becomes less valuable it takes more of it to buy physical things, be they commodities, shares in a company's stock, and peoples time (salaries). Just about the only thing that doesn't track inflation to some degree is cash itself or money in an account since th... | Pros/cons for buying gold vs. saving money in an interest-based account? | ||
I have done similar software work. You do not need an LLC to write off business expenses. The income and expenses go on Schedule C of your tax return. It is easy to write off even small expenses such as travel - if you keep records. The income should be reported to you on a 1099 form, filled out by your client, not you... | Side work and managing finances? | ||
Being "long" - expecting the price to go up to make a profit - is a two step process: 1) buy 2) sell Being "short" - expecting the price to go down to make a profit - is a 5 step process: 1) borrow someone else's asset 2) sell their asset on the open market to somebody else a third party 3) pocket the proceeds of the... | How can I make a profit by selling a stock short? | ||
That seems a little high in my experience. I've used a home equity line of credit instead, as the rates are much lower (~3.5%). | Is 6% too high to trade stocks on margin? | ||
the easiest thing would be to go to walmart and stock up on 1000$ money orders paying a 70 cents fee for each. your landlord would almost certainly accept money orders, but double check first just in case. i say stock up because you can't get a money order for more than 1000$ and they usually won't let you buy more tha... | Need to change cash to cashier's check without bank account (Just arrived to the US) | ||
As your question appears in the second half, so will my answer. Like you, I will provide some background. I remember buying gasoline for $1.759 per gallon. I am so old that I remember buying gasoline for $0.759 per gallon. I recently paid $2.759 per gallon. You claim that your relative is not getting a very good ... | Simple and safe way to manage a lot of cash | ||
or is this a form of money laundering? May not be, generally the amounts involved in money laundering are much higher. So if there are quite a few such transactions then yes it could be money laundering. It could also be for circumventing taxes, depending on country regulations one may try to do this to get around gift... | Is This Money Laundering? | ||
The right time to buy real estate is easy to spot. It's when it is difficult to get loans or when real estate agents selling homes are tripping over each other. It's the wrong time to buy when houses are sold within hours of the sign going up. The way to profit from equities over time is to dollar-cost average a divers... | Investing in real estate when the stock market is high, investing in stocks when it's low? |
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