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Let me see if I can restate your question: are speculative investments more volatile (subject to greater spikes and drops in pricing) than are more long-term investments which are defined by the predictability of their dividend returns?
The short answer is: yes. However, where it gets complicated is in deciding whe... |
I'm a first time buyer, living at home, on a good salary of around £25k and with no major committments.
I would like to get a mortgage and get on the ladder, but I'm quite contempt living at home, and have plans to go and work abroad in the next 5 years or so, therefore I'm not desperate to get into my own place.
... |
First time buyer interested in buy-to-let, bad idea? |
Doesn't sound unreasonable to me, from a financial standpoint. Many I know have done what you are considering, and with success. However, it would be wise to do a market analysis to see if there are sufficient tenants seeking residence that will support the investment. Some places are still very lucrative, but many ... |
I'd first check if I'd qualify for a BtL mortgage at the moment - I'm one of these 'accidental landlords' and while I have equity in my UK property, I don't have enough to qualify for a BtL mortgage. In June you were looking at around 20%-25% downpayment for one.
Also, keep in mind that if you are abroad you *will* ... |
I was under the impression that UK student loans were really cheap credit, and were incredibly low interest rates. After hearing some radio shows on student finance their advice was to always pay the minumum as its the cheapest debt you'll ever have
I'm not sure this is the case.
In my final year of uni I took ou... |
I thought student loans didnt have interest, or at least very low interest? |
It seems every great crash, the underlying fundamentals always point to an ever increasing debt until it becomes unsustainable and bursts.
How true would you say is that statement above? |
Is debt almost always the cause of crashes and recessions? |
I thought student loans didn't have interest, or at least very low interest? [UK] |
I received a utility bill which is clearly in error. It claims that a previous payment is "past due", when the bill claiming this is dated *before* the due date on the supposedly past due payment it refers to.
So, I am wondering, can the fact that the company (erroneously) believes I have a payment past due, damage ... |
How do "past due" utility bills affect credit rating? [Canada] |
How do "past due" utility bills affect credit rating? |
I'm a first time buyer, living at home, on a good salary of around £25k and with no major committments.
I would like to get a mortgage and get on the ladder, but I'm quite content living at home, and have plans to go and work abroad in the next 5 years or so, therefore I'm not desperate to get into my own place.
... |
The statement can be true, but isn't a general rule.
Crashes and recessions are two different things.
A crash is when the market rapidly revalues something when prices are out of equilibrium, whether it be stocks, a commodity or even a service.
When the internet was new, nobody knew how to design webpages, so... |
I received a utility bill which is clearly in error. It claims that a previous payment is "past due", when the bill claiming this is dated *before* the due date on the supposedly past due payment it refers to.
So, I am wondering, can the fact that the company (erroneously) believes I have a payment past due, damage ... |
In addition to the good advice already mentioned, with any site you're buying things from, start by making sure the URL starts with https. This will at least encrypt the the information you send.
Another purchase option I see more and more is the use of PayPal. Going this route means that none of your credit card ... |
I'm using Quicken 2009 and I have a Roth IRA account that I transferred to a new bank. What is the best way to "close" this account?
If I delete the account, it won't show up in my historical net worth and it will appear as though when I made the transfer to the new Roth IRA account I magically jumped up in net ... |
How do I close an account in Quicken? |
I'm interested in finding a financial institution that would provide money management for someone who is severely irresponsible with finances. Ideally, this service would provide a small allowance to the person and pay bills directly on their behalf.
Does this exist and if so, how would it be need to be setup?
... |
I started renting possibly about five years ago. I'm not sure if the rent price has gone up or down. I'm actually paying more then than I was now, but the place I am living in now is in the suburbs somewhere, whereas before I was living in an apartment close to the city.
But yeah, what do you think? Are rent prices ... |
Have house price growth exceeded rent yield in Australia in the last five years (2005 onwards)? |
Robert Kiyosaki's CASHFLOW® for Kids Board Game. here's the link.
http://www.richdad.com/store/ProductDetail.aspx?id=3
enough said.
|
A lack of trust in the regulator can also stop everyone trading.
If you don’t believe the bank notes you are getting paid with are real, why do any work?
|
I live in the UK is it possible to transfer a mortgage to a bank based in a different country that doesn't operate in the UK, say Germany or United states for example? |
Can I get a mortgage from a foreign bank? |
Currently in Canada we have low mortgage rates and high home prices. I get the vibe from reading different articles that people actually want mortgage rates to go up which would lower the home prices.
Can someone please explain what are the advantages of one situation over the other (from a buyer's perspective, or b... |
It seems that every country on Earth is in debt, but nowhere on the news do they ever mention to who. If countries are all in debt to each other then why not just cancel all the countries debt.
If it's one central place why don't all countries just refuse to pay it back and cancel the debt themselves, it would mean ... |
Where do countries borrow money from? |
In my [recent question][1], I asked how to operate with options. Now I would like to see whether I learned anything.
At this moment, Gold is rising. Fast. As I see it, in the future, the gold price has to come down (just like houses peaked and then dropped). If I want to bet against gold, I should buy a 'Put option'... |
I'm interested in finding a financial institution that would provide money management for someone who is severely irresponsible with finances. Ideally, this service would provide a small allowance to the person and pay bills directly on their behalf.
Does this exist and if so, how would it be need to be setup? |
I want to place a lump sum into an account that will give the account holder gradual access to it so they won't immediately spend the lump sum on frivolous large purchases (or at least not until later).
Does this type of account exist? |
Can a monetary settlement be placed into an account that provides gradual access to the funds? |
I'm leaving my job at the end of the month. I'd like to continue my health insurance that was part of the company benefits. **What are the most common subtle ins/outs or gotchas for someone starting/enrolling in COBRA for the first time?**
I'm living in **California** just fyi. |
What are the most common subtleties of COBRA? |
My Chase Credit Card vary their payment date each month by a day or two each month, claiming that it is "related to different number of days each month."
So naturally, it is easy to throw me off as to whether the payment is due on the 7th or 6th, and together with the 2pm Pacific cut-off time, they have enjoyed coll... |
Are the "debt reduction" company useful? |
yes you can, there are loads here are some links :
[world first][1] , [Baydon Hill][2] , [IPF][3]
Just googling foreign currency mortgage, international mortgage, overseas mortgage gets you loads of starting points. I believe its an established and well used process, and they are classed as normal mortgages.
... |
yes you can, there are loads here are some links :
[world first][1] , [Baydon Hill][2] , [IPF][3]
Just googling "foreign currency mortgage", "international mortgage", or "overseas mortgage" gets you loads of starting points. I believe its an established and well used process, and they would be "classified" as a "n... |
Simple answer YES you can, there are loads here are some links :
[world first][1] , [Baydon Hill][2] , [IPF][3]
Just googling "foreign currency mortgage", "international mortgage", or "overseas mortgage" gets you loads of starting points. I believe its an established and well used process, and they would be "class... |
this is something that is mindboggling to me and it is particularly obvious in the candlestick graphs : why is the open value never, ever, the same as the previous day's close value?
This is something I just don't get: on all the candlestick graphs, you can see that it is very often very close, but never exactly the... |
Stockmarket: why is the "open" never the same as previous day's "close"? |
Simple answer YES you can, there are loads here are some links :
[world first][1] , [Baydon Hill][2] , [IPF][3]
Just googling "foreign currency mortgage", "international mortgage", or "overseas mortgage" gets you loads of starting points. I believe its an established and well used process, and they would be "class... |
Simple answer YES you can, there are loads here are some links :
[world first][1] , [Baydon Hill][2] , [IPF][3]
Just googling "foreign currency mortgage", "international mortgage", or "overseas mortgage" gets you loads of starting points. I believe its an established and well used process, and they would be "class... |
Simple answer YES you can, there are loads here are some links :
[world first][1] , [Baydon Hill][2] , [IPF][3]
Just googling "foreign currency mortgage", "international mortgage", or "overseas mortgage" gets you loads of starting points. I believe its an established and well used process, and they would be "class... |
What are the most common subtleties of COBRA continuation health coverage? |
This isn't a DIY area. You should talk to a lawyer about setting up a trust.
Also, does the irresponsible person acknowledge that they are irresponsible? Are the legally competent? Or are you looking at a 20 year old with a big check coming down? |
£25k may be enough, but there are some other things to consider:
1. **Rentability**. How rentable is the area that you're looking at? Use http://www.upmystreet.co.uk/ to check out the rentability of that location. If it's not in a rentable location, your rent won't cover the mortgage sufficiently. Being the only re... |
A stock's price does not move in a completely continuous fashion. It moves in discreet steps depending on who is buying/selling at given prices.
I'm guessing that by opening bell the price for buying/selling a particular stock has changed based on information obtained overnight.
A company's stock closes at $40. ... |
As a resident alien working in the US, what kinds of taxes will I be liable for when investing in mutual funds and money market funds?
Some funds are federal, state, or municipal tax-exempt, will that apply to me?
Thanks! |
Taxes for resident alien investing in mutual funds and money market funds? |
I am thinking about investing in the renewable energy sector (there should be growth potential, right??), and have heard of a few specific stocks like Vestas wind energy.
Since I am just beginning to educate myself in this area, can anyone point me in a general direction about a few, more well established, mutual fu... |
Wind power / renewable energy mutual funds? |
What are the options for mutual fund supermarkets?
Which ones do people use and why? |
A stock's price does not move in a completely continuous fashion. It moves in discrete steps depending on who is buying/selling at given prices.
I'm guessing that by opening bell the price for buying/selling a particular stock has changed based on information obtained overnight.
A company's stock closes at $40. ... |
I've noticed recently that several places where I paid with a $20 bill, the cashiers used a small marker to detect whether the bill was counterfeit or not before accepting it. [Like so][1]:
<img src="http://www.instructables.com/image/FB256A5FQCTKQUE/Counterfeit-money-pen.jpg">
I saw this happen at
- the post ... |
How common is counterfeit money in circulation? |
I've noticed recently that several places where I paid with a $20 bill, the cashiers used a small marker to detect whether the bill was counterfeit or not before accepting it. [Like so][1]:
<img src="http://www.instructables.com/image/FB256A5FQCTKQUE/Counterfeit-money-pen.jpg">
I saw this happen at
- the post ... |
According to [this study][1] put out this year by Judson and Porter, the face value of counterfeit currency relative to the total amount in circulation is about 0.01%.
As to why they're checking: Would *you* want to receive a counterfeit bill?
Costco checks my cash when I check out. The guy I got a buggy ride f... |
According to [this study][1] put out this year by Judson and Porter, the face value of counterfeit currency relative to the total amount in circulation is about 0.01%:
> Out of the approximately **$759 billion** in U.S. dollars held in U.S. currency in the form of banknotes (paper currency) in circulation outside th... |
According to [this study][1] put out this year by Judson and Porter, the face value of counterfeit currency relative to the total amount in circulation is about 0.01%:
> We conclude that the total value of counterfeits in circulation at any moment is on the order of $60 to $80 million, or less than $1 for every $10,... |
I bought some General Motors bonds (ETF-traded under "XGM" symbol) when they were at depressed prices, before GM declared bankruptcy. GM is supposed to be having an IPO sometime in November, and bondholders are getting some of the equity of the new GM.
How would I find out how many shares of the "new GM" I will get ... |
where to find out conversion between GM bonds and new GM stock? |
I would imagine that as a holder you will receive information in the post when it's made public, but I don't think it's been decided yet. This [thread][1] on the Motley Fool boards is keeping an eye on them - you might want to keep an eye on the thread.
[1]: http://boards.fool.co.uk/gm-bonds-a-real-lemon-1154475... |
Lets face it, we're all going to run out of room at somepoint, I'm certainly in that category. I've got far too much paperwork
I have a whole cabinet full of old paperwork, such as
1. Monthly bank statements
2. Credit card statements
3. General correspondence with bank
4. Car insurance paperwork
5. Gu... |
What should I do with my (paper)finance documents? |
Currently my spouse and I rent a small apartment. Eventually we'd like to expand the family, and a one bedroom rental won't cut it forever - even if we continue renting we'll be expanding to a detached single family home eventually. In our area the rent ratios work out to about 16, which is under the cut for buying b... |
For the last 2 years, I have been trying hard to be debt free without affecting my personal cash flow. I am by no means a rich person, but I have a descent salary.
I still have debt, specially
* Education Loans (very low interest 3%)
* Car Loan (very low interest 4.75%)
* Less than 3K in personal loa... |
How smart is to really be 100% debt free? |
Debt increases your exposure to risk. What happens if you lose your job, or a major expense comes up and you have to make a hard decision about skipping a loan payment? Being debt free means you aren't paying money to the bank in interest, and that's money that can go into your pocket.
Debt can be a useful tool, h... |
For the last 2 years, I have been trying hard to be debt free without affecting my personal cash flow. I am by no means a rich person, but I have a decent salary.
I still have debt, specially
* Education Loans (very low interest 3%)
* Car Loan (very low interest 4.75%)
* Less than 3K in personal loan... |
Regarding your specific types:
1. **Monthly bank statements** - Keep these at least as long as needed to reconcile your bank account. Recommend at least a year; keep the ones that have tax information on them (accrued interest and the like). Consider eStatements from your bank.
2. **Credit card statements** - H... |
Do you want a house? Sounds like you do. Did you think about what it will take to own a run a house? I am betting you have. Buying a home shouldn't be about an investment in anything other than you happiness and you sure seem conscientious and ready.
Your worries are good ones, but don't forget about unemploymen... |
For a couple filing "married filing separately" are there any tax implications in moving money from one spouse's bank account to the other's? Would the IRS see this as "income"? I spent a while searching the IRS publications as well as Google and didn't see any mention of this having any effect on taxes so I guess it's... |
How to share income when married filing separately? |
I found the information I was looking for at the **Ontario Ministry of Finance.** Refer to [table 2 in the Ontario Budget 2009: Chapter III: Reforming Ontario's Tax and Pension Systems][1]. Here's an excerpt with my emphasis added:
> ![Table 2 - Ontario Sales Tax Transition Benefit][2]
>
> **Benefits would be d... |
Where to find out conversion ratio between General Motors bonds and new GM stock? |
Lets face it, we're all going to run out of room at some point, I'm certainly in that category. I've got far too much paperwork
I have a whole cabinet full of old paperwork, such as:
1. Monthly bank statements
2. Credit card statements
3. General correspondence with bank
4. Car insurance paperw... |
What should I do with my paper financial documents? |
U.S. Mutual Fund Supermarkets: Where are some good places to buy mutual funds? |
What criteria should I use to determine if I should become a home owner? |
I've decided to sell my car. The [bluebook website][1] estimates I can sell it for X dollars. **How do I actually sell it? (and get as close to X dollars as possible)**
Just fyi I live in a large city in California.
Please include details like:
- where? anything from dealer buying it back to selling it on ... |
How do I sell my car? |
http://www.nadaguides.com/ and http://www.kbb.com/ and http://www.edmunds.com/ are the leading sites to check vehicle values.
Also, great how to at: http://www.ehow.com/how_2003079_sell-used-car-california.html
Where to sell?
You could sell it in your local newspaper classified, small auto newsprint mags/publ... |
http://www.nadaguides.com/ and http://www.kbb.com/ and http://www.edmunds.com/ are the leading sites to check vehicle values.
Also, great how to at: http://www.ehow.com/how_2003079_sell-used-car-california.html
Where to sell?
You could sell it in your local newspaper classified, small auto newsprint mags/publ... |
Usually it makes sense to invest in individual companies when you're investing in a "hot" sector. Secular funds have their own risks that can be difficult to measure. First Solar is one of the premier PV players.
As for renewable energy, IMO that ship has sailed for the "pure play" renewable stocks. I'd look at unde... |
Usually it makes sense to invest in individual companies when you're investing in a "hot" sector. Secular funds have their own risks that can be difficult to measure. First Solar is one of the premier PV players.
The fund gives you a false sense of diversification. If you bought a mutual fund in 2000 in the computer... |
http://www.nadaguides.com/ and http://www.kbb.com/ and http://www.edmunds.com/ are the leading sites to check vehicle values.
Also, great how to at: http://www.ehow.com/how_2003079_sell-used-car-california.html
Where to sell?
You could sell it in your local newspaper classified, small auto newsprint mags/publ... |
It sounds like you are in great shape, congratulations!
Things I would think about in your position:
Consider putting 20% down instead of 30% and find a great house that has a key missing modernization, like a kitchen. Then replace the kitchen, which if done right can instantly add that 10% (or more) right back i... |
The responses here are excellent. I'd add just a couple points.
Debt is not generic. It ranges from low (my HELOC is 2.5%) to insane (24% credit card, anyone?).
When I read about the drive to be completely debt free, I ask questions. Are you saving in your 401(k) at least up to the match? I disagree with the "debt i... |
MOst people just assume their super is correct and is put in and I bet most people don't even check, but how do you really know if it's being paid?
Is there heaps of checks and balances that businesses have to do to make it not worth their while to cheat you out of your super? |
Do you check to make sure your employer is paying you the correct super? |
Should you check to make sure your employer is paying you the correct superannuation amount? [Australia] |
Most people just assume their super is correct and is put in and I bet most people don't even check, but how do you really know if it's being paid?
Is there heaps of checks and balances that businesses have to do to make it not worth their while to cheat you out of your super? |
Who cares? If your card gets stolen, most cards provide you with 100% liability protection. Just sign the thing! |
If the payments were equal, I'd prefer to be in a time of high rates when buying.
If the direction of rates at that point were down, my future home price is likely to rise and I'll have the opportunity to refinance to a lower rate.
The housing crash was complex, due to fraud as much as anything, but it's fair to ... |
I live in an apartment with my girlfriend and when I request a quote on the car insurance websites it asks me if I'm the only driver in my household. It's my car but she would likely drive it occasionally. She has her own car and insurance that she would drive normally.
Why do I need to put her information into thes... |
Car insurance: Do I need to add my girlfriend as a driver? |
Why do online retailers ask for the type of card before you enter the number?
This information is coded into the card number itself, so it is redundant.
For example, any card that starts with a `4` is a Visa.
`51` through `55` is MasterCard
`34` or `37` is American Express.
There are quite a few longer o... |
Why ask for Credit Card type? |
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