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Monthly pre-authorized payments/purchases: Use a bank account, or credit card? When/why?
The average salary in London is almost certainly going to be higher, when I was looking for a new job it was anything from 5k-10k higher in London than it was in East Anglia. Don't be fooled by the higher salary, if I would take pursued a city job I'd be losing several thousand per year on commuting, not to mention ...
I just graduated, and I'm starting a new job soon. My employer has pretty good policy for matching 401(k) contributions, so I want to invest as much as possible, especially during this first year. My question is: should I invest in a traditional 401(k), a Roth 401(k), or some combination of the two? On the one hand,...
Roth 401(k) or traditional 401(k)?
First, congrats on graduating and getting a job. Great to hear. I first need to ask you, do you understand the difference between average tax rate and marginal rate? [Fairmark][1] gives a great overview of this. Now, not knowing the details of your pay or marital status, I'd think the chance is that you'd be in a rela...
What is the collective name / term given to the part of a currency value before and after the point? e.g. $123.99 So in the example above I'm after the name of the part '123' and the name of the part '99'. Many thanks.
It appears that most sites that give stock option quotes are broken. I'm trying to get a full chain for 3M in Jan 2012. I tried [CBOE][2] and [yahoo][1]. CBOE doesn't even show the LEAPS. Yahoo only shows some of the LEAPS..the puts and calls even have different strike prices. I'd rather not log into some public s...
Currency values: Are there names for the parts before and after the decimal point?
It appears that most sites that give stock option quotes are broken. I'm trying to get a full chain for 3M (MMM) in Jan 2012. I tried [CBOE][2] and [Yahoo!][1]. CBOE doesn't even show the LEAPS. Yahoo! only shows some of the LEAPS ... the puts and calls even have different strike prices. I'd rather not log in...
Where to find LEAPS full chain option quotes? CBOE & Yahoo! Finance not working.
I'm familiar with and have traded U.S.-listed LEAPS and I've always used the [CBOE][1] quotes page you linked to. So, I too was surprised I couldn't find 3M (MMM) LEAPS quotes at that page, even after checking the *"List all options, LEAPS, Credit Options & Weeklys if avail."* radio button. Used to work! Fortunate...
Where to find LEAPS option quotes (full chain)? CBOE & Yahoo! Finance not working.
Recent graduate with new job: Choose Roth 401(k), or traditional 401(k)?
I would go for the **Roth** for the reasons already described by JoeTaxpayer and JohnFx. Furthermore, there are two additional things I'd like to point out: First, **income tax rates in the U.S. may, in general, rise in the future.** If tax rates *are* expected to rise, then it makes sense to pay the tax now and n...
Today I filled up at the petrol station, went to pay and my debit card would not work in the payment device, this is the third time this year it has happened. I've had several cards, and tried several places, I just don't seem to have much luck. I have a regular leather wallet, nothing fancy, and usually keep it ...
why does my (bank) card constantly fail to work in stores/machines?
Why does my (bank) card constantly fail to work in stores/machines?
What happens if I co-sign a loan and the borrower or debtor (the person that borrowed the money) dies? Does the co-signer then assume full liability over the loan, i.e. become the new and sole debtor? Does it vary by type of loan (e.g. mortgage vs. other?) *(Note: This is similar to the question [Co-signing &...
What happens if I co-sign a loan and the borrower or debtor dies?
How do you calculate the rate of return (ROR) when buying and selling put options?
How do you calculate the rate of return (ROR) when buying and selling put options?
My wife & I have run into a large sum of cash recently and are interested in paying off/paying down our student loans -- about $30k between us, at about 6.5% avg interest. We're both earning enough that we can no longer claim student loan interest on our taxes, and are hoping to buy a home etc and would like to brin...
Paying off student loans in a lump payment -- best practices?
Paying off student loans early/lump sum -- best practices?
Take a look at your contract, or discuss with whoever is holding the loan. If there are no prepayment penalties, then feel free to pay the whole lump. If there are penalties, what is the maximum you can prepay without being penalized? It might be a double payment or some such. Unless you have some foolproof wa...
I am young, just started my career, and looking to begin investing so I can make my money work for me. I'm still living like I did in college (occasional purchase on myself, but most of it goes into savings) and I would like to take the extra money and invest it. What would you suggest are the best options for me t...
Bank drafts and certified cheques are similar but have different costs associated with them. When is one more appropriate to use vs. the other?
Bank Draft vs. Certified Cheque - when is it appropriate to use one or the other?
I have 4 Canadian grandchildren, can I make a chartiable tax deduction towards their education ?
What is title insurance, and should I get title insurance for my home?
I have 4 Canadian grandchildren. Can I get a charitable tax deduction if I give towards their education?
Can I get a tax deduction for giving towards my grandchildren's education?
Best way to start investing, for a young person just starting their career?
I'm using a CC that basically gives me 2% cash back on everything. It adds up, but I have a feeling that I'm not benefiting from how often I use my card. I easily put over a thousand each month on the card and pay it off each month. I have a great credit score so what card would you suggest? Are there any specific c...
How do you find the CC with the best rewards/points?
I am young, just started my career, and looking to begin investing so I can make my money work for me. I'm still living like I did in college (occasional purchase on myself, but most of it goes into savings) and I would like to take the extra money and invest it. What would you suggest are the best options for me t...
How do you find the credit card with the best rewards/points? [US]
Of the two peer-to-peer lending services, which in your opinion (And experience) is better? This can of course be a nuanced answer with one being (relatively) better for some uses and (relatively) worse for others.
Which service is better in your opinion - Lending Club or Prosper?
What address do I use to register for information on the GST & HST?
What address do I use to register for information on the GST & HST?
When a child earns money babysitting or doing yardwork for neighbors, it's common to ignore claiming the income, as income earned by the minor has its own deduction, and would likely not generate any tax due. But - in order to open a Roth IRA, the minor has to claim legitimate earned income. Those who pay $10-$20 cash...
How to claim a minor's income?
Why do institutions sometimes prohibit carrying forward the unused funds from one fiscal year onto the next? Are there reasons for it or is it just an arbitrary rule? Universities in Canada, it seems, are particularly guilty of this. The cons of this approach are obvious: one sees a lot of frivolous expenses near t...
How to avoid peer pressure from friends to spend money on shopping and at restaurants?
How to avoid friends' peer pressure to spend money on shopping & at restaurants?
Is it possible to cash a check made to someone else's name? How to do so?
Is it possible to cash a check made to someone else's name? How to do so?
Why might institutions prohibit carrying forward unused funds from one fiscal year to the next?
First, one would 'not' want to be the guarantor as it would likely appear as a debt on their credit. In some cases this can be good, but not always. I'd suggest a homeowners meeting. A reverse auction where you say "Would anyone like to get the condo fee waived for 12 months in return for guaranteeing the loan?" If n...
With all the market volatility of late, I was thinking that it might be a good short term strategy to employ a straddle approach. For those not familiar with Options trading: This is a strategy where you buy both a call and put option on a stock betting that it will move big (long straddle) in any direction, or s...
Is there a mutual fund or ETF that simulates the investment goals of a Straddle?
Besides being more environmentally friendly is it worth the investment in solar cell panels and wind mills for home use? Is it possible to be "off the grid" completely?
Are solar cell panels and wind mills worth the money?
Is there a limit on the dollar amount of a personal check?
Is there a limit on the dollar amount of a personal check?
These are two rather distinct questions; only one of which is relevant to a Money web site. In general, the *investment* is questionable. Leaving aside the green feel-good factor, you need to look at a total cost of ownership (TCO) and payback on the asset. Neither is *cheap* as such. There are DIY windmill plans...
Is it legal to hold shares in the UK if you are not a UK resident? I presume it is ... after all governments are going to want you to do this as it's a revenue stream for them right? Thanks.
Yes it is legal, in fact according to [statistics.gov.uk](http://www.statistics.gov.uk/cci/nugget.asp?id=107), 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 ce...
Is it legal to hold shares in the UK if you are not a UK resident? I presume it is ... after all governments are going to want you to do this as it's a revenue stream for them right? Thanks.
Are non-residents or foreigners permitted to buy or own shares of UK companies?
Fund or ETF that simulates the investment goals of an options "straddle" strategy?
If so, will it affect how retailers price items? Will they round up?
I've heard pennies are being phased out in Canada. Is this true?
Would it be better to borrow money from an elderly relative than from a bank?
Would it be better to borrow money from an elderly relative than from a bank?
Can I ask my employer if I can work as a contractor instead of an employee?
Can I ask my employer if I can work as a contractor instead of an employee?
How can I fix a mistake I made on my income tax filing?
How can I fix a mistake I made on my income tax filing? [US]
Sure. You can ask your employer anything you want. People often forget that work relationships, even full-time employment is a negotiated arrangement that can always be re-negotiated from either end of the deal. What makes you think you might not be able to?
Another question about the potential for giving up on pennies made me wonder. What is the smallest (in terms of value) unit of currency that has a minted coin or printed bill that is in active use worldwide? Also, what is the value of that denomination in US Currency?
What is the least valuable unit of actively used currency that is coined or printed?
Another [question][1] about the potential for giving up on pennies made me wonder. What is the smallest (in terms of value) unit of currency that has a minted coin or printed bill that is in active use worldwide? Also, what is the value of that denomination in US Currency? [1]: http://www.basicallymoney.com/q...
Is this legal? This was a private loan within a small buisness. I was under the assumtion that the bill was paid in full 15 years ago. My only draw back is that i never got them to sign to verify the payoff....just told me the payoff and i paid it. I am a part owner of this buisness and now that we are getting ready to...
Will the HST rebates be direct deposit or mailed or both in June 2010 and 2011?
Will the Ontario HST rebates be direct deposited, or mailed, or both in June 2010 and 2011?
Will the Ontario HST rebates be direct deposited, or mailed, or both in June 2010 and 2011?
Is this legal? This was a private loan within a small business. I was under the assumption that the bill was paid in full 15 years ago. My only drawback is that I never got them to sign to verify the payoff.... just told me the payoff and I paid it. I am a part owner of this business and now that we are getting read...
I'm a very busy person (full-time job, family, etc) and want to invest over $50k of extra cash. There are so many ways that I can learn, but which ones will bear fruit? I am willing to pay money to learn to make money or have access to systems that help make money. Here are the ideas that I have considered: 1. ...
What is the best way to learn investing techniques?
All the things you suggest are good, but I think like everything else the key is practice. Study some topics, then try them out. There are many many sites out there that have free or cheap virtual trading. - [Options Express (Free)][1] - [How the Markets work (Free)][2] - [CBOE Virtual Trading (Free)][3] - ...
Given what you state you should shop around for an advisor. Think of the time required to pursue your strategies that you list? They already have studied much of what you seek to learn about. Any good investor should understand the basics. This is Canadian based but many of the concepts are universal. Hope you find ...
Wow, very amused by some of the answers. I will comment on those later. To directly answer your question, here is a link to a brochure that explains the three basic typs and is written in straightforward language. [link text][1] That is step one. Step 2 is a question, cheapest when, initially or for long ...
Depends upon the debt cost. Assuming it is consumer debt or credit card debt, it is better to pay that off first, it is the best investment you can make. Let's say it is credit card debt. If you pay 18% interst and have for example a $1,000 amount. If you pay it off you save $180 in interest ($1,000 times 18%). You ...
Our family has purchased plots<sup>1</sup> already, some years ago, but for a personal reason rather than for any financial reasons: While the cemetery / funeral home's sales pitch was along the lines of "protect yourself from the rising cost" and "save your loved ones the hassle", the decision for us was easy: *we ...
Difference between Health Savings Account (HSA) & Flexible Spending Account (FSA)?
How should I save money if the real interest rate (after inflation) is negative?
How should I save money if the real interest rate (after inflation) is negative?
Can I use Mint.com without giving out my bank details (credentials), and manually enter my transactions instead?
Can I use Mint.com without giving out bank details & manually enter transactions instead?
If I co-sign a loan (e.g. for a friend or family memberr), does it affect my own ability to borrow money due to the debt-to-income ratio?
If I co-sign a loan, does it affect my own ability to borrow due to the debt-to-income ratio?
And what would the limits be on the combined total?
Are you allowed to have both a 401(k) and a SIMPLE IRA?
The US, like Canada tried to introduce a $1 coin awhile back to reduce minting costs of the $1 paper bill. This was successful in Canada but not so much in the States. Why was it not widely adopted? Are these coins still available in circulation?
What happened to the $1 coin in US?
Are you allowed to have both a 401(k) and a SIMPLE IRA? And what would the limits be on the combined total?
Are you allowed to have both a 401(k) and a SIMPLE IRA? If so, what about limits?
In "general" is it better to pay off one's debt (line of credit, etc.) or is it better to invest (retirement account / RRSP or the like)? I understand that the answer will depend on terms of debt and amount of debt, inter alia, and perhaps saving and paying off debt. But I am seeking to understand the the principle tha...