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Any advantage to exercising ISO's in company that is not yet public?
What to do with my wife's car?
I am trying to find the top gaining stocks in the 1980s based on the trailing 5-year return. For example, I want to know the top performing stock for 1975-1980, 1976-1981, 1977-1982, etc. I don't have access to any advanced tools or financial software, nor is it practical to dig through every individual stock for th...
How to find trailing 5-year stock returns for 1980s?
Does the full time PHD student extend to 70-80 hours/week or more? If not, can you pick up an extra job to aid with living expenses? Also, whose name is the debt in? Is your wife paying to avoid the black mark on *her* credit record or her mother's? Basically what it looks like to me is that you guys currently ha...
As I recall from the documentation presented to me, any gain over the strike price from an ISO stock option counts as a long term capital gain (for tax purposes) if it's held from 2 years from the date of grant and 1 year from the date of exercise. If you're planning to take advantage of that tax treatment, exercisi...
If you can't sell it, refinance the bugger. Even if you can knock the interest rate down to 8% and take out a 3-year loan, you'll save about $100 per month. Or really kill the payment (but pay more interest) by taking out another 6-year. A 6-year at 9% on $12k is only $215/month. My credit union routinely adverti...
What to do with an upside-down car?
What debts are both partners liable for in a 'community property' state?
What to do with an expensive, upside-down car loan?
How do I calculate the theoretical "fair value" of an oanda.com box option? More specifically, how do I calculate the probability that a given FOREX parity will enter a given range in a given period of time. Example: probability that USDCAD will trade between 1.0200 and 1.0250 sometime between noon GMT this Mon...
Anyone know why gold prices drop by $400 an ounce in 1981? ![gold prices][1] http://www.kitco.com/scripts/hist_charts/yearly_graphs.plx [1]: https://i.stack.imgur.com/x9Vu7.gif
Why did gold prices drop in 1981?
From [Experian's FAQ][1] How long does an item remain on my credit report? A credit reporting agency stores information from credit grantors and public records, including bankruptcies, judgments and liens. Potentially negative information, such as missed payments and most public record items, remain on a personal...
I was looking for a source of economic and financial forecast information. I have already checked the IMF and the OECD, but they have forecasts up to 2011. Is there something with forecasts up to 2015? Some central bank or some university for example? Thanks!
I was looking for a source of economic and financial forecast information. I have already checked the IMF and the OECD, but they have forecasts up to 2011. Is there something with forecasts up to 2015? Some central bank or some university for example? I plan to enlarge the list below: - [IMF World Economic Outlo...
I understand how to calculate the Annualized return on a stock when I have single purchase ie (principal + gain/principal) ^ (365/days) - 1 but how is it calculated when I have multiple buys and sells over a time period?
What would happen with my savings on a bank account and personal property in a case of death? I don't have a family, only a brother and separated parents. Do I need to think about a will?
When should I start thinking about a will?
In India, what is the difference between Dividend and Growth mutual fund types?
It does sometimes open one day the same as it closed the previous day. Take a look at [ESCA][1], it closed October 29th at 4.50, at opened November 1st at 4.50. It's more likely to change prices overnight than it is between two successive ticks during the day, because a lot more time passes, in which news can come ou...
Sources or web sites for longer-term economic and financial forecast information?
Are there any "devices" that can be used to make on-line purchases like a credit or debit card but which will *never* have an attached line of credit? In particular what I want is a card that, when the balance goes down to zero, further transactions will be declined rather than result in an overdraft. A while back, ...
No-line-of-credit debit card?
We've recently (last 6 months or so) paid off several of our cards completely, and are working to pay down our last, highest utilized card. We don't generally need to charge much and can pay in "cash" (generally a bank debit card in our case). However we could also charge some of the things we would normally pay for ...
Is there value in using a credit card for the sake of using it?
I have an Adjustable CompLife policy that I want to track in Quicken. What kind of Quicken account should I use?
What kind of Quicken account should I use to track an adjustable complife policy?
This arrangement might be a bit of a pain, but what about Visa gift card(s)? The transfer of money just doesn't happen if the money isn't already on the card. [See here][1]. [1]: http://usa.visa.com/personal/cards/prepaid/gift_card_faq.html
My Bank of America checks contain my routing & account number, which I've used in the past to make purchases online, among other things. Anyone whom I pay with a check has this information. It seems like this account info is even *more* sensitive than my credit card #, since with Visa I am protected with a Zero Liabili...
Can't the account information on my checks be easily used for fraud?
I am looking for an FDIC (or other reliable body) insured account that pays more in interest than CDs. What is the next step up, interest wise, from CDs, even if it means tieing up the money longer and / or other restrictions?
We recieved the first HST payment, however something was wrong on our taxes where we got a notice a week or so ago saying that we now owe because our rent reciepts that we handed in got lost so now they say we paid no rent all of 2009 (big mistake on their part since we paid our rent and shouldn't be owing any money). ...
John's answer is similar to what I was thinking. You should invest in insurance "because there's an insurance salesman who needs to pay to send his kid to college." I will never be a fan of any type of permanent insurance, and I think it wrong to sell a single person with no dependents such a policy. I've used the e...
We received the first HST payment, however something was wrong on our taxes where we got a notice a week or so ago saying that we now owe because our rent reciepts that we handed in got lost so now they say we paid no rent all of 2009 (big mistake on their part since we paid our rent and shouldn't be owing any money). ...
I want to transfer my financial data ( years of it!!) from [Buxfer][1] to yet-to-be-known online personal finance web app. I tried to download my data in both .qif and ofx format. I tried to import the data into MoneyStrands, however, a lot of the columns ( such as tag and category) available in Buxfer are not recog...
I want to transfer my financial data ( years of it!!) from [Buxfer][1] to yet-to-be-known online personal finance web app. I tried to download my data in both .qif and ofx format. I tried to import the data into [MoneyStrands][2], however, a lot of the columns ( such as tag and category) available in Buxfer are not ...
According to Scottrade's website, the T. Rowe Price Retirement funds are "No-load" but at the same time "Transaction fees apply". I thought the whole idea of No-load funds was not having any transaction fees. Is this a contradiction? I suspect that I'm just not understanding something.
Why does a no-load fund have transaction fees? Isn't that a contradiction?
Here's the deal with that. The mutual fund can be advertised as "No Load" because the fund itself isn't charging transaction fees, even if the broker is tacking on their own transaction fees. Some brokers do this, especially for "No load" funds because they aren't getting their usual kickback commission from the mu...
According to Scottrade's website, the T. Rowe Price Retirement funds are "No-load" but at the same time "Transaction fees apply". I thought the whole idea of No-load funds was not having any transaction fees. Is this a contradiction? I suspect that I'm just not understanding something. ### UPDATE The specific ticke...
We received the first HST payment but we got a notice of an error. Will we still get our next HST payment?
What is an alternative to bank CD accounts that would pay slightly more interest?
I recently graduated with my Bachelor's degree in Computer Science. I now have student loans to pay off. I've heard that something that should be done with your student loans is consolidation, but I know very little about it and unsure of where to get trustable advice on the subject. I have 4 years worth of Stafford...
Should I try to consolidate my student loans? If so, how should I do it? What traps should I watch out for?
Which banks in Germany have machines that you can put cash in and it appears on my bank account (opposite of cash withdrawal)? I am not interested in the kinds that you put the cash in the envelope and put the envelope in the machine and after a few days they open the envelope at the bank and write it on my account....
which banks have cash-deposit machines in Germany?
We received the first HST payment. However, something was wrong on our taxes. We got a notice a week or so ago saying that we now owe, because our rent receipts -- that we handed in -- got lost. So, now they say we paid no rent all of 2009 (big mistake on their part since we paid our rent and shouldn't be owing any...
I am in the process of doing an FHA Streamline Refi from a 5% 30-year-fixed to a 2.7% 5/1 ARM. I will only have to come up with slightly less than the amount of my monthly mortgage payment at closing (which doesn't effect me since I skip a payment in between refinancing) but one thing I did notice was a rather drastic...
FHA Streamline Refi causes principle balance to increase $9000?
Short answer - Look at the paperwork. Closely. Likely answer - closing costs. Depending on how the loan is structured, you might have to pay an origination fee for the loan, plus local taxes and a whole bunch of fees (title insurance for the mortgage broker, local taxes, etc, on my) I'm in the midst of a refinanc...
You're going from a fixed-rate mortgage to an ARM?! Oh gosh, please don't do that! If you can refi to another 30-year at around 4%, do that, but mortgage rates haven't been this low in several generations. They have almost no more room to go down, and every reason to go up. That, and your current rate is *not* ...
Should I sell when my stocks are growing?
I have a collection of stock that on average have grown 8% in the last few months. Should I sell now? This is a normal account, meaning tax is of no help. I never understand why people sell while stocks are going down, and buy when they are going up. Please, any references or further reading you can provide would...
I've been advised to (and have been) running my normal debit card transactions as "credit" transactions. What does this mean in terms of my security, the time a charge takes to settle, and the fees for the vendor?
What does it mean to run my debit card as credit?
It depends on what your investment goals are. Are you investing for the short-term or the long-term? What was your reason for investing in these stocks in the first place? Timing short-term fluctuations in the market is very difficult, so if that's your goal, I wouldn't count on being able to sell and buy back in at...
I am in the process of doing an FHA Streamline Refi from a 5% 30-year-fixed to a 2.7% 5/1 ARM. I will only have to come up with slightly less than the amount of my monthly mortgage payment at closing (which doesn't affect me since I skip a payment in between refinancing) but one thing I did notice was a rather drastic...
FHA Streamline Refi causes principal balance to increase $9000?
The question is obvious. I have debt, not in excess, but I have. And I have some stocks in the market. Should I use the stock money to pay my debt, and be debt free. The debt is not high interest. Just a few loans: car loan 4%, student loan 2.75%, misc loan 10% (low balance) Ideas?
Pay debt or put cash in stocks?
You shoul receive a summary of costs before closing that spells out to the penny what you'll owe. We can all guess, but you should have the exact answer at your disposal. A typical ARM is capped at 5 or 6% over the starting rate. This is near 8% you risk. Yes, you will save 2.3%/yr for 5 years, but can soon go negativ...
Simply put, the interest you're paying on your loans is eating into any gains you have in the stock market. So, figure out how much you're paying in interest and consider the feasibility of paying off some of the loan. Also figure in if you would be selling the stock at a profit or a loss. Generally speaking, a ...
You should receive a summary of costs before closing that spells out to the penny what you'll owe. We can all guess, but you should have the exact answer at your disposal. A typical ARM is capped at 5 or 6% over the starting rate. This is near 8% you risk. Yes, you will save 2.3%/yr for 5 years, but can soon go negati...
<div> After the last crisis it was easy for many to look back and say all the signs were there to indicate an impending crisis. Super-low interest rates from the FED, no down-payment loans, interest-only loans, under qualified borrowers, flipping of properties, securitization of mortgages, over leveraged banks, etc..<...
Should I keep a price guarantee contract of a real estate now?
I reread your question. You are not asking about the validity of selling a particular stock after a bit of an increase but a group of stocks. We don't know how many. ![S&P One Year][1] This is the S&P for the past 12 months. Trading at 1025-1200 or so means that 80-100 points is an 8% move. I count 4 such moves ...
Obviously, you should not buy stock when the option is to pay down your debt. However, your question is different. Should you sell to reduce debt. That really depends on your personal situation. If you were planning to sell the stock anyway, go ahead and reduce your loans. Check out how the stock is doing and what the ...
Should I sell my stocks to reduce my debt?
Student loans generally have very low interest rates. Those interests paid work in your favor at tax time, for certain income and tax bracket group. In the US, if you make more than what amount, it will be smart to get rid of your student loans?
Under IRS rules, After what tax bracket or income range student loan interests are not effective?
This [article][1] indicates that the average rate of return for stocks is 4% **after** inflation, fees, and taxes (called "net-net-net" in the article). In the article several investment professionals are asked what they could guarantee for a net-net-net rate of return. The highest guarantee is 4%. I measure my ...
What is a decent rate of return?
Seems like you should be aiming to beat the professionals, otherwise why not let them handle it? So 4.01% is a logical start. Perhaps round that up to 4.05%
In my view, it's better to sell when there's a reason to sell, rather than to cap your gains at 8%. I'm assuming you have no such criteria on the other side - i.e. hold your losses down to 8%. That's because what matters is how much you make overall in your portfolio, not how much you make per trade. Example: if you...
Maybe this observation is wrong, and should not be discussed here, but I've noticed people going to a lot of trouble to avoid paying taxes. On the other hand, there are a lot of people that are getting into debt. Maybe these are not the same people... Anyway, there is a lot of resistance against paying taxes, but pe...
Why do people prefer to give their money to the bank than to the government?
Don't ever, ever, ever let someone else handle your money, unless you want somebody else have your money. Nobody can guarantee a return on stocks. That's utter bullshit. Stock go up and down according to market emotions. How can your guru predict the market's future emotions? Keep your head cool with stocks. Only...
What is a decent rate of return for investing in the markets?
I would like to achieve a lower mortgage interest rate than our current 5.75 percent 30 year fixed mortgage with Chase on our primary residence. Our situation is a little unusual, making it difficult to navigate the normal paths of refinance. I tried to refinance once already but was burned by Chase employees who f...
The bit I don't quite understand is why you are thinking about staying in debt in the first place - you're basically thinking about shuffling around assets and liabilities in order to stay in debt? I think what I would do in your situation is to liquidate enough of the investments you have and pay off the mortgage. ...
Maybe this observation is wrong, and should not be discussed here, but I've noticed people going to a lot of trouble to avoid paying taxes. On the other hand, there are a lot of people that are getting into debt. Maybe these are not the same people... Anyway, there is a lot of resistance against paying taxes, but pe...
Put yourself in this position - if you had no debts and no investments, would you borrow money at those rates to invest in the stock market? If no, then pay off the debts. If yes, then keep them.
I have been doing some research and am thinking of selling a [Covered Call][1] on a stock I currently own and am planning on holding long term. I would like to make an [Out-of-the-Money Covered Call][2] (OTM CC), which from my understanding limits my potential gains but would allow me to pocket the contract premium and...
I am looking over some paperwork for a 5/1 ARM. The loan information is as follows: Interest Rate: 2.75 - Lifetime Cap: 5.00 - First Adjustment Cap: 1.00 - Annual Cap: 1.00 - Margin: 1.75 I understand that my first 5 years would be predictable at 2.75% but what are some scenarios that could happen o...
5/1 ARM: Lifetime cap, First Adjustment Cap, Margin, and Annual Cap?
Who buys variable annuities?
My wife has practically no credit, and we're trying to build it up. About 9 months ago I opened a Kohl's store credit card, and added her as a joint cardholder. We recently went through her credit report from experian, and there is no trace of it on her report. I know it's her report because the only item reported ther...
You quote a rate (2.75%) and then quote a margin (1.75%). The margin is usually an addition to some base rate. How is the margin expressed in the figures you have? Is it included in the rate, or in addition to it? As for the other stuff, it looks like the rate can go up at most 1% per year, up to a maximum of 5% ...
There seems to be a lot of resistance to paying taxes, yet people are paying a lot of money to banks and other financial advisers when there are cheaper/better options out there. Any thoughts why on that may be the case? This observation may be wrong, and should not be discussed here, but I've noticed people goi...
Why do some people go through contortions to avoid paying taxes, yet spend money on expensive financial advice, high-interest loans, etc?
Is that a "joint cardholder" or just an additional card with her name? Most of the time you can just get an additional card with any name written on it. They don't even collect SSN. In this case it will not show up on a "joint" holder credit record.
There seems to be a lot of resistance to paying taxes, yet people are paying a lot of money to banks and other financial advisers when there are cheaper/better options out there. Any thoughts on why that may be the case? This observation may be wrong, and should not be discussed here, but I've noticed people goi...
I signed a contract w/ a company that would pay me various amounts of various dates (example: $200 on 5 Dec 2010, $150 on 12 Dec 2010, $750 on 23 Dec 2010, etc). They breached this contract, but I was able to mitigate some of the loss by finding another company that would pay me various different amounts o...
I'm surprised no one has picked up on this, but the student loan is an exception to the rule. It's inflation bound (for now), you only have to pay it back as a percentage of your salary if you earn over £15k (11% on any amount over that I believe), you don't have to pay it if you lose your job, and it doesn't affect yo...
I was trying to research different lender housing loans in the US. I realize only the true rates and approved amounts would be after meeting with each lender and going through their pre-approval process, but some lenders have features or perks along with their loans. Something like BillShrink, but for loans and the b...
Is there a lender benefits/perks comparison website or resource?
Lender benefits/perks comparison website or resource?
<div> After the last crisis it was easy for many to look back and say all the signs were there to indicate an impending crisis. Super-low interest rates from the FED, no down-payment loans, interest-only loans, under qualified borrowers, flipping of properties, securitization of mortgages, over leveraged banks, etc..<...
I have had several deposits into my bank account over the past year from this ($125.??) I am sure it is federal and provinical and some kind of credit. But for what?