Question stringlengths 14 166 | Answer stringlengths 3 13.1k |
|---|---|
What does F[YY]e mean in reporting | It means it's estimate and not final numbers and generally used for future years |
How can I calculate the volatility(standard deviation) of a stock price? and/or ROI (return on investment) of a stock? | the "how" all depends on your level of computer savvy. Are you an Excel spreadsheet user or can you write in programming languages such as python? Either approach have math functions that make the calculation of ROI and Volatility trivial. If you're a python coder, then look up "pandas" (http://pandas.pydata.org/) - it... |
Using financial news releases to trade stocks? | Yes, there are very lucrative opportunities available by using financial news releases. A lot of times other people just aren't looking in less popular markets, or you may observe the news source before other people realize it, or may interpret the news differently than the other market participants. There is also the ... |
How does giving to charity work? | For many people, giving to charity will have minimal effect on their taxes. Non-profits love to attract donations by saying the money is tax deductible, but for most people, it doesn't work out that way. You will only itemize deductions if they exceed your standard deduction. The IRS allows you to either "itemize" your... |
Is it ever logical to not deposit to a matched 401(k) account? | The other answers assumed student loan debt -- and for that, it's rarely worth it (unless your company only offers managed plans w/ really bad returns, or the economy recovers to the point where banks are paying 5% again on money market accounts) ... but if it's high rate debt, such as carrying a credit card debt, and ... |
Confirm Dividend Yield | Is my math correct? The Math is correct, however Dividends don't work this way. The Yield is Post Facto. i.e. Given the dividend that is declared every quarter, once calculates the yield. The dividends are not fixed or guaranteed. These change from Quarter to Quarter or at times they are not given at all. The yield is ... |
Can dividends be exploited? | Yes, somebody could buy the shares, receive the dividend, and then sell the shares back. However, the price he would get when he sells the shares back is, ignoring other reasons for the price to change, exactly the amount he paid minus the dividend. |
How to calculate car insurance quote | On top of the given answers, the type of referral will also factor in. When you're up for renewal and go to a comparison site (in the UK: CompareTheMarket, MoneySupermarket, Confused, GoCompare, ... ) and struggle accurately through all their lists of questions, you see that some of the data differs (e.g., not all the ... |
What is 'consolidating' debt and why do people do it? | With the scenario that you laid out (ie. 5% and 10% loans), it makes no sense at all. The problem is, when you're in trouble the rates are never 5% or 10%. Getting behind on credit cards sucks and is really hard to recover from. The problem with multiple accounts is that as the banks tack on fees and raise your interes... |
Why can't online transactions be completed outside of business hours? | Generally, unless you're doing a wire transfer, bank transactions are processed in batches overnight. So the credit card company won't be able to confirm your transfer until the next business day (it may take even longer for them to actually receive the money). |
How to calculate average drawdown of a trading system? | First of all, I think I'll clear off some confusion in the topic. The Sterling Ratio is a very simple investment portfolio measurement that fits nicely to the topic of personal finance, although not so much to a foreign exchange trading system. The Sterling Ratio is mainly used in the context of hedge funds to measure ... |
Does it make sense to buy an index ETF (e.g. S&P 500) when the index is at an all-time high? | Here is, from Yahoo Finance, the S&P 500 over the last ~60 years (logarithmic scale): The behavior since ~2000 has been weird, by historical standards. And it's very easy, looking at that graph, to say "yes! I would have made so much money had I invested in March '09!". Of course, back in March '09, it wasn't so clear... |
How does refinancing work? | Since there was no sale, where does the money actually come from? From the refinancing bank. It's a new loan. How does a bank profit from this, i.e. why would they willingly help someone lower their mortgage payments? Because they sell a new loan. Big banks usually sell the mortgage loans to the institutional investors... |
Tax deductions on empty property | A real estate business could offset income from occupied property with costs from vacant property held for speculation. For speculation, you can let a building rot, then get it reassessed. If the jurisdiction assesses part or all of the tax bill on the value of improvements, this can drop the annual tax bill signific... |
Investing $50k + Real Estate | Get rid of the lease and buy a used car. A good buy is an Audi because they are popular, high-quality cars. A 2007 Audi A4 costs about $7000. You will save a lot of money by dumping the lease and owning. Go for quality. Stay away from fad cars and SUVs which are overpriced for their value. Full sized sedans are the saf... |
Why is financial data of some public companies not available on Yahoo Finance? | In general, the short answer is to use SEDAR, the Canadian database that compiles financial statements for Canadian companies. The financial statements for Pacific Rubiales Energy Corp can be found here. The long answer is that the data might be missing because in Canada, each province has their own agency to regulate... |
Ghana scam and direct deposit scam? | So Linda/Josie's initial plan was to have your dad pay money to (supposedly) help her get the gold chest. After he would have paid, there would have been another complication, and more yet (someone to bribe, a plane ticket to buy, transport to arrange, customs to handle, whatever, the list would last as long as there's... |
Ethics and investment | Domini offers such a fund. It might suit you, or it might include things you wish to avoid. I'm not judging your goals, but would suggest that it might be tough to find a fund that has the same values as you. If you choose individual stocks, you might have to do a lot of reading, and decide if it's all or none, i.e. i... |
Free brokerage vs paid - pros and cons | Unless you're an active trader, 30 trades per month is a number you'll probably never hit, so you might as well take advantage of the offer while you have it. But don't trade more than you normally would. Discount brokerages make money on the arbitrage between the bid and ask prices on the exchanges (legal as long as y... |
How to share income after marriage and kids? | I can only share with you my happened with my wife and I. First, and foremost, if you think you need to protect your assets for some reason then do so. Be open and honest about it. If we get a divorce, X stays with me, and Y stays with you. This seems silly, even when your doing it, but it's important. You can speak w... |
Clarification on 529 fund | You are faced with a dilemma. If you use a 529 plan to fund your education, the short timeline of a few years will limit your returns that are tax free. Most people who use a 529 plan either purchase years of tuition via lump sum, when the child is young; or they put aside money on a regular basis that will grow tax d... |
Why would a company care about the price of its own shares in the stock market? | The other answer has some good points, to which I'll add this: I believe you're only considering a company's Initial Public Offering (IPO), when shares are first offered to the public. An IPO is the way most companies get a public listing on the stock market. However, companies often go to market again and again to i... |
Are non-residents or foreigners permitted to buy or own shares of UK companies? | Yes it is legal, in fact according to statistics.gov.uk, foreign investors are the largest holders of UK shares (as of 2008). Investors from outside the UK owned 41.5 per cent of shares listed on the London Stock Exchange at the end of 2008, up from 40.0 per cent at end of 2006, according to the latest Office for Natio... |
For the first time in my life, I'm going to be making real money…what should I do with it? | If I may echo the Roth comment - The Roth is a tax designation, not an end investment, so you still need to research and decide what's appropriate. I recommend the Roth for the long term investments, but keep in mind, even if you feel you may need to tap the Roth sooner than later, all deposits may be withdrawn at any ... |
What exactly is a “bad,” “standard,” or “good” annual raise? If I am told a hard percentage and don't get it, should I look elsewhere? | TLDR: You will probably need to move to a different employer to get the raise you want/need/deserve. Some employers, in the US, punish longevity through a number of practices. My wife worked as a nurse for about 20 years. During that time she had many employers, leveraging raises with job changes. She quit nursing ... |
What is the Blue Line in these stock Charts? | The curved lines (on my screen orange, yellow and pink) are simple moving averages. The fuchsia and blue straight lines are automatically generated trend lines. Those lines are attempting to show how a stock is trending by showing potential bounce points and are commonly used in technical analysis (TA). |
What purchases, not counting real estate, will help me increase my cash flow? | Brownbag your lunch and make coffee at home. If your current lifestyle includes daily takeout lunches and/or barista-made drinks, a rough estimate is you have a negative cash flow of $8-20 per day, $40-100 per week, $2080-5200 per year. If you have daily smoothies, buy a blender. If you have daily lattes buy an es... |
Best starting options to invest for retirement without a 401k | Being from the UK, I'd not heard of a Roth IRA, but it sounds very similar to our own ISA (Individual Savings Account). Having just looked it up, I couldn't believe the annual limit was so low: $5500! Still, you have to work within your jurisdiction's legal framework (or agitate for change?). I would definitely agree... |
For the first time in my life, I'm going to be making real money…what should I do with it? | Fund your retirement accounts first. Even as an intern, it is still worthwhile to open a Roth IRA and start contributing to it. See my answer to a similar question: Best way to start investing, for a young person just starting their career? |
Will an ETF increase in price if an underlying stock increases in price | The creation mechanism for ETF's ensures that the value of the underlying stocks do not diverge significantly from the Fund's value. Authorized participants have a strong incentive to arbitrage any pricing differences and create/redeem blocks of stock/etf until the prices are back inline. Contrary to what was stated ... |
Stock stopped trading, what does this mean? | It looks like JP Morgan can convert your holding to unsponsored ADRs until July.. In any event, you should not completely lose the equity. Volvo still exists as a public company, it's just not tradable on US exchanges. Q1: Yes, you'd need a JPM account. Your broker should have offered a similar service. If they didn't... |
What's behind the long secular bull market in U.S. Treasuries? | In a secular bull market, strong investor sentiment drives prices higher, as participants, over time, are net buyers. Secular markets are typically driven by large-scale national and worldwide events... demographic/ population shifts, governmental policies... bear market periods occur within the longer interval, ... |
Why does Bank of America sometimes refer to itself as Banc of America on some documents? | 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... |
Calculate Estimated Tax on Hobby Business LLC | I assume your employer does standard withholding? Then what you need to do is figure what bracket that puts you in after you've done all your normal deductions. Let's say it's 25%. Then multiply your freelance income after business expenses, and that's your estimated tax, approximately. (Unless the income causes yo... |
How can I get a mortgage I can't afford? | You might also want to talk directly to a bank. If your credit report is clean, they may have some discretion in making the loan. Note - the 'normal' fully qualified loan has two thresholds, 28% (of monthly income) for housing costs, 36% for all debt servicing. A personal, disclosed loan from a friend/family which is ... |
What is the options industry changing about option symbols in February, 2010? | Here is what I could find on the net: http://education.wallstreetsurvivor.com/options-symbol-changes-coming-february-12th-2010 So it sounds like it does not affect how you invest in options but only how you look them up. I remember using a Bloomberg terminal and it wasn't clear what the expiry date of the option you w... |
Buying an ETF vs. The explicit Index | what reason would I have in buying an ETF? Apart from the efforts, the real reason is the ticket size. One can't buy shares in fraction. To truly reflect the index in equal weight, the amount to invest will be in multiples of millions [depending on the Index and the stock composition] This related question should hel... |
Layman's guide to getting started with Forex (foreign exchange trading)? | Unless you have a lot of money to get rid of you should spend at least a year trading with a dummy account. It takes a long time to work out what is gong on and your training will get very expensive if you start using real money. Don't start trading with real money until you : Have a strategy. Never trade on a whim. On... |
Can you buy out a pink sheet listed company by purchasing all of the oustanding shares? | Depends on the structure of the company and what shares are outstanding. If the pink sheet stock has no voting power then buying all that stock doesn't get you any control at all. On the other hand, if the outstanding shares only represent 20% of the company's overall shares, then buying all the shares isn't likely e... |
When I calculate “internal rate of return (IRR)”, should I include cash balance? | Both are correct depending on what you are really trying to evaluate. If you only want to understand how that particular investment you were taking money in and out of did by itself than you would ignore the cash. You might use this if you were thinking of replacing that particular investment with another but keeping ... |
Is Cost of Living overstated? | New York City is high cost-of-living, and I have absolutely no clue why people live there. It's a tough place, and the taxes are oppressive. People buy a studio apartment for $150,000 that has 175 square feet (that's not a typo) plus a $700/month maintenance fee that continues after the mortgage is paid off. And tha... |
Why would people sell a stock below the current price? | This happens on dark pools quite often. If I am a large institutional investor with tens of millions of shares, I may want to unload slowly and limit the adverse affects on the price of the stock. Dark pools offer anonymity and have buyers / sellers that can handle large volume. In the case of a day trader, they often... |
Eligibility for stock rights offering | Yes, there is a delay between when you buy a stock and when you actually take ownership of it. This is called the settlement period. The settlement period for US equities is T+2 (other markets have different settlement periods), meaning you don't actually become a shareholder of record until 2 business days after you ... |
What's the best way to make money from a market correction? | As ChrisInEdmonton describes, shorting has an asymmetric risk/reward ratio. And put options have a time cost, if you think the market is overvalued and buy lots of puts, but they expire before the market finally corrects, you can lose your entire investment. Betting on market timing of any kind is extremely difficult ... |
What should I be aware of as a young investor? | If you're tending toward stocks because you have a long time horizon, you're looking at them for the right reasons. I'm twice your age. I have a mortgage -- two of them, actually! -- a wife, and a six-year-old. I can't really justify being terribly risky with my money because I have others depending on my income. You... |
Is there legal reason for restricting someone under 59-1/2 from an in-service rollover from a 401K to an IRA? | Yes, this is restricted by law. In plain language, you can find it on the IRS website (under the heading "When Can a Retirement Plan Distribute Benefits?"): 401(k), profit-sharing, and stock bonus plans Employee elective deferrals (and earnings, except in a hardship distribution) -- the plan may permit a distribution ... |
Is there a term for the risk of investing in an asset with a positive but inferior return? | Opportunity cost is the term you're looking for. I.e. (quoting from link) Definition of 'Opportunity Cost' 1. The cost of an alternative that must be forgone in order to pursue a certain action. Put another way, the benefits you could have received by taking an alternative action. |
2008-2009 Stock Market Crash — what caused the second drop? | The second drop was part of the same event. The short-term resurgence is often called a "dead cat bounce". Mongus Pong's answer is a great answer, I'm going to approach from a more anecdotal POV. Think about the fear that was in the air in Fall 2008. From my recollection, that short-term stabilization came from the Fed... |
Help: Being charged interest on a loan for which I received no statements telling me of this debt for the past 15 years. Surprise! | Investigate the statute of limitations in your area. 15 years sounds like in most places it is past the allowable time a debt collector can legally collect or report it on your credit report. The statute of limitations means you still owe the debt, but they collector can no longer use the court system to collect it fr... |
Would I ever need credit card if my debit card is issued by MasterCard/Visa? | Skimmers are most likely at gas station pumps. If your debit card is compromised you are getting money taken out of your checking account which could cause a cascade of NSF fees. Never use debit card at pump. Clark Howard calls debit cards piece of trash fake visa/mc That is because of all the points mentioned abo... |
What is the difference between state pension plans and defined contribution plans? | The specific "State Pension" plan you have linked to is provided by the government of the U.K. to workers resident there. More generally speaking, many countries provide some kind of basic worker's pension (or "social security") to residents. In the United States, it is called (surprise!) "Social Security", and in Can... |
I need a car for 2 years. Buy or lease (or something else)? | Your short-term time frame makes buying used the best option, but it seems you already are aware of that. Look into a certified pre-owned model if you are concerned about lemons. You will usually get some sort of warranty. However, be aware that any car can be a headache with repairs. I would not recommend a lease b... |
Why IV and stock price are inversely related | people are willing to pay higher premiums for options when stocks go down. Obviously the time value and intrinsic value and interests rates of the option doesn't change because of this so the miscalculation remainder is priced into the implied volatility part of the formula. Basically, anything that suggests the stock... |
As a young adult, what can I be doing with my excess income? | I also have approx. £6000 in debt Just a note: you're guaranteed to get a return on whatever debt you pay off quickly. Even if your debt is only 2%, you get a guaranteed return of 2% - which is higher than most of the savings here in the US (not sure about the UK). You mention saving for a house, which is also a good ... |
Dividends Growing Faster than Cost of Capital | I don't think the method falls short, it's the premise that is wrong. If the dividend stream really did grow faster than the cost of capital indefinitely, eventually the company behind the share would become larger than the entire economy. Logically, at some point, the growth must slow down. |
Basic questions about investing in stocks | For point two.. The norm for buying stock is to just register online with a major broker: Fidelity, Schwab,TD Ameritrade...etc, send them money to fund your purchase, make the stock purchase in your account, and then have a little faith. You could probably get them to physically transfer the stock certificates from the... |
How to pay with cash when car shopping? | When you pay cash for a car, you don't always necessarily need to pay cash. You just aren't using credit or a loan is all. A few options you have are: Obviously no dealer expects anyone to just have the cash laying around for a car worth a few thousand dollars, nor would you bother going to your bank or credit union fo... |
What should I consider when I try to invest my money today for a larger immediate income stream that will secure my retirement? | Lets assume you put the max of 5000 per year in a Roth IRA. You have your home and all other debt paid off, and your investment earns 10%, a few points below the market average. You will have $822,470 at 65, 1005K at 67 that you can draw on tax free. It is a fairly tidy sum and should keep you from working as the gr... |
Are there good investment options to pay off student loans? | What you're getting at is the same as investing with leverage. Usually this comes in the form in a margin account, which an investor uses to borrow money at a low interest rate, invest the money, and (hopefully!) beat the interest rate. is this approach unwise? That completely depends on how your investments perform a... |
Should I try to hedge my emergency savings against currency and political concerns? | You have to balance several concerns here. The primary problem is that if you go to the effort of saving your money you want to also be sure that your savings will not lose too much of its value to inflation. Ukraine had a terrible inflation spike in 2015 for obvious reasons. Even as inflation has settled down in 2016,... |
Why diversify stocks/investments? | Any investor can make a bad bet, even Buffett. Even if you have done every bit of research on an investment possible you are exposed to random external events.. acts of god, and outright fraud. |
Are services provided to Google employees taxed as income or in any way? | Most of this is already regulated. "Food" specifically is exempt from taxes if it's done on premise and for the "convenience of the employer", whatever that means. See https://www.law.cornell.edu/uscode/text/26/119 Other benefits, such as commuter aid (public transport, parking) are tax free up to a certain limit (I th... |
How many stocks will I own in n years if I reinvest my dividends? | Your example shows a 4% dividend. If we assume the stock continues to yield 4%, the math drops to something simple. Rule of 72 says your shares will double in 18 years. So in 18 years, 1000 shares will be 2000, at whatever price it's trading. Shares X (1.04)^N years = shares after N years. This is as good an oversimp... |
Should I trade in a car I own to lower my payments on a new lease? | You need to look at the numbers when you're ready to transact. What your crossover is worth now, what the truck will lease for then, what financing deals may or may not be available will all change. I'm not sure why you've already decided you will lease the truck, perhaps you're planning to take advantage of some kind... |
Renting or Buying an House | I actually didn't do the math with your numbers, but I recall Sal from Khan Academy did a nice video about your question, challenging the notion that it is always better to buy. https://www.youtube.com/watch?v=YL10H_EcB-E |
What is good growth? | If your question is truly just What is good growth? Is there a target return that's accepted as good? I assumed 8% (plus transaction fees). Then I'd have to point out that the S&P has offered a CAGR of 9.77% since 1900. You can buy an S&P ETF for .05%/yr expense. If your goal is to lag the S&P by 1.7%/yr over the lo... |
I have a million dollars of disposable income. What should I do to best benefit the economy? | At first, I thought this might be too broad. There are of course thousands of things that you can do with your money to "help the economy". But I think that there is room to discuss some broad strokes without trying to list a thousand details. Regular investing (as you are now) helps the economy in that companies o... |
How should I choose an additional retirement investment plan? | It's a hard decision to make. Especially without knowing the complete contract details. I would in general stay away from financial "advisors" like tecis or other pyramid selling companies ("Strukturvertriebe" in german). They usually only offer a very limited range of products. In most cases they sell only 1 or 2 prod... |
How do you invest in real estate without using money? | I know this is broad, but this isn't a scam -- it's a workshop/educational thing about teaching people of investing in the real estate market, and how to profit The scam is that the free or cheap class doesn't give you enough info to make money; so they sell you a more advanced and expensive class that gets you alm... |
Why do stock prices of retailers not surge during the holidays? | While there are lots of really plausible explanations for why the market moves a certain way on a certain day, no one really knows for sure. In order to do that, you would need to understand the 'minds' of all the market players. These days many of these players are secret proprietary algorithms. I'm not quibbling w... |
End-of-season car sales? | It completely varies by manufacturer, dealer, and time of year, but in general yes, you can get a (sometimes significant) discount on brand new last year models. In general though, it comes down to supply and demand. As an example, in April 2016 I was looking at a brand new 2016 in which the 2017 model had come out th... |
Home owners association for houses, pro/cons | I agree with the basic purpose of an HOA. Unlike the poster above Jay, I do believe that people painting their houses purple will definitely affect the value of my house or property. I for one would not want to live next to someone who has a wild purple house, even though it is his right to do so. In saying that I know... |
Is dividend included in EPS | EPS is often earnings/diluted shares. That is counting shares as if all convertible securities (employee stock options for example) were converted. Looking at page 3 of Q4 2015 Reissued Earnings Press Release we find both basic ($1.13) and diluted EPS ($1.11). Dividends are not paid on diluted shares, but only actual s... |
Why does ExxonMobil's balance sheet show more liabilities than assets? | Exxon Mobil is one of the most profitable corporations in the world. Their annual earnings are typically in the $10s of billions of dollars. They have revenues in the hundreds of billions of dollars per year. They also return $10+ billion dollars to their stockholders each year in dividends and stock purchases. Tha... |
Tax me more: Can I pay extra to the government so I don't have to deal with all this paperwork? | Currently, the answer is no, you cannot get out of filing a tax return. As noted in the comments, if you want to pay more to get out of the drudgery of working on your return, you can pay an accountant to do it for you. You are not alone in thinking that the current income tax system in the U.S. is overly complicated.... |
Does working in finance firms improve a person's finance knowledge? | Depends on what work you're doing. If you aren't doing a job which involves working with and understanding the data, probably not. |
When will the U.K. convert to the Euro as an official currency? | I can't see it happening because most of the population seems to be against it, even if their reasoning on the whole is wrong. Theoretically, people are against the Euro here as a result of national pride. If it's the best thing to do for the good of the country then national pride shouldn't be taken into account. It'd... |
Gigantic point amount on rewards card - what are potential consequences? | If you want to maximize your expected benefits, at minimal risk of financial repercussions or sleepless nights, I would suggest the following. Send an email explaining the situation, and announce that you plan to use the points if they do not advise otherwise. Here is an example message: Dear sir/madam, I recently cont... |
How much should a new graduate with new job put towards a car? | Regardless of your circumstances, the amount of money you should put into a car is about $6000-8000 or the amount of cash you actually have, whichever is less. You can get a very reliable gently-used car in that price range, and a car that's plenty good to drive for basically whatever your budget is, down to about $150... |
What should I look for when looking for stocks that are 'on-sale'? | Don't invest. Keep cash. And wait till you see a crash in the price of some of your favorite blue chip stocks. But wait till the true bottom is in...you will know when is the right time as it will be obvious. |
Is Bogleheadism (index fund investing) dead? | It's incredibly difficult to beat the market, especially after you're paying out significant fees for managed funds. The Bogleheads have some good things going for them on their low cost Vanguard style funds. The biggest winners in the financial markets are the people collecting fees from churn or setting up the deals ... |
Are there cons to paying monthly bills with a rewards card and then paying it off monthly? | There are a few potential downsides but they are minor: If you forget to make the payment the interest hit the following month could be significant. With many cards the new charges will be charged interest from the start if the previous payment was late/missed. Just make sure you don't forget to pay the entire bill. If... |
Why can't you just have someone invest for you and split the profits (and losses) with him? | On reflection there are financial products that do what you want, whole-life insurance policies that guarantee an annual dividend calculation on some index with a ceiling and floor. So you will have a return within a defined minimum and maximum range. There are a lot of opinions on the internet on this. This Consum... |
Main source of the shares/stocks data on the web | To expand on keshlam's answer: A direct feed does not involve a website of any kind. Each exchange publishes its order/trade feed(s) onto a packet network where subscribers have machines listening and reacting. Let's call the moment when a trade occurs inside an exchange's matching engine "T0". An exchange then publi... |
How does a online only bank protect itself against fraud? | Much of what you're asking will not be disclosed for obvious security reasons, so don't be surprised when call center people say they "don't know". They may actually not know, but even if they did, they'd be fired if they were to say anything. Nothing could be a touchier subject than online security for the financial... |
What are the financial advantages of living in Switzerland? | Companies, especially big ones, find in Switzerland a business-friendly environment and often benefit from a special tax regime. Don't mix the companies interests with yours. |
Is it better to buy a computer on my credit card, or on credit from the computer store? | The downside of the store card is that the "deal" for using the card is typically 6-12 months of "no payments" or "no interest". In reality, the "deal" is deferred payments/interest. The problem is, if you miss any payment, or fail to pay the computer off in full, you'll have to pay for the accrued interest -- at a rat... |
splitting a joint mortgage - one owner in home | Definitely get a lawyer to write up all the details of the partnership in a formal agreement. If your ex does not want to do this, that is a bad sign. You both need to be clear about expectations and responsibilities in this partnership, and define an exit strategy in the case one of you wants out. This is the most fai... |
Why do people buy new cars they can not afford? | Two reasons: Many people make lots of financial decisions (and other kinds of decisions) without actually running any numbers to see what is best (or even possible). They just go with their gut and buy things they feel like buying, without making a thoroughgoing attempt to assess the impact on their finances. I share... |
Taxable Website Ad Revenue | I'm not a tax advisor, but I've done freelance work, so... If any of your side-business revenue is reported on a 1099, you're now a business owner, which is why Schedule C must be filled out. As a business owner, minimum wage doesn't apply to you. All revenue is income to you, and you owe taxes on the profit, after sub... |
Money market account for emergency savings | Depends on how urgent your need for the emergency savings might be. If the money market account allows you to get your money in the same amount of time as the savings account then there is no real downside, but if the account takes a few days for you to access and you need your money sooner then you probably shouldn't.... |
Financial implications of purchasing a first home? | Congrats! Make sure you nail down NOW what happens to the house should you eventually separate. I know lots of unmarried couples who have stayed together for decades and look likely to do so for life; I've also seen some marriages break up that I wouldn't have expected to. Better to have this discussion NOW. Beyond th... |
Where can I find announcements of official GDP figures for the US and other countries? | For press releases about economic data, the Bureau of Economic Analysis press release page is helpful. Depending on the series, you could also look at the Bureau of Labor Statistics press release page. For time series of both historical and present data, the St. Louis Federal Reserve maintains a database such data, in... |
Buying a house for a shorter term | 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 ... |
Is CLM a stock or an ETF? | I find the reg, at last. https://www.sec.gov/cgi-bin/browse-edgar?company=Cornerstone+Strategic+Value+Fund&owner=exclude&action=getcompany Yes, its a common stock. |
Please help me understand reasons for differences in Government Bond Yields | The real question is what does FT mean by "Eurozone Bond". There is no central European government to issue bonds. What they seem to be quoting is the rate for German Bunds. Germany has a strong economy with a manageable debt load, which means it is a safe Euro denominated investment. Bunds are in high demand across th... |
Should I give to charity by check or credit card? | This might be blasphemy in the context of an audience that may be most focused on the gift itself, but you should be donating in a manner that helps advance the landscape, as well as your particular favourite charity. Almost 90% of businesses are in the process of trying to move away from issuing and receiving checks, ... |
Which technical indicators are suitable for medium-term strategies? | Speaking from stock market point of view, superficially, TA is similarly applicable to day trading, short term, medium term and long term. You may use different indicators in FX compared to the stock market, but I would expect they are largely the same types of things - direction indicators, momentum indicators, spread... |
What happened when the dot com bubble burst? | What happened was that people would start an "Internet" company without any viable business plan, and investors would pour money. Any company with ".COM" or "eSomething" or "netXXX" or whatever would get tons of money from investors, basically selling dreams of getting rich fast. The companies that flourished back than... |
Advice on strategy for when to sell | You sell when you think the stock is over valued, or you need the money, or you are going to need the money in the next 5 years. I buy and hold a lot. I bought IBM in 8th grade 1980. I still own it. I bought 3 share it from $190 and its now worth $5,000 do to dividend reinvestment and splits. That stock did nothing... |
Subsets and Splits
No community queries yet
The top public SQL queries from the community will appear here once available.