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If I sell a 2-year future dated call option that is slightly in the money (For example if Citi today is $5.13, I sell a call option for strike price $5.00 at Jan 2013 - today is Jan 2011), what are the odds that I will be assigned in the next 60-90 days?
What about for a general well-traded stock? |
What are the odds of being assigned for a long dated in-the-money call option? |
I'm evaluating rolling over my old 401(k) into a self-adminstered IRA. I know the general costs and benefits (mostly benefits, in terms of increased flexibility, as stated [here][1]), but I'd like to see if I can precisely quantify the difference.
In particular, I'm curious as to the difference in administration ... |
401(k) administration fees vs Rollover IRA fees? |
I'm evaluating rolling over my old 401(k) into a self-administered IRA. I know the general costs and benefits (mostly benefits, in terms of increased flexibility, as stated [here][1]), but I'd like to see if I can precisely quantify the difference.
In particular, I'm curious as to the difference in administration... |
Does anybody know how to quickly check (or track) the EURIBOR and MIBOR? I tried Google Finance, but it doesn't recognize the acronyms or the names of the rates.
Thank you |
Just find a low cost S&P 500 index fund, and spend your time reading [The Great Mutual Fund Trap][1] instead of wasting your time and money picking actively managed funds.
[1]: http://www.amazon.com/Great-Mutual-Fund-Trap-Investment/dp/0767910729/ref=sr_1_1?ie=UTF8&s=books&qid=1295242517&sr=8-1 |
You can of course ask your employer anything you want. However I think you should reasonably ask yourself "what's in it for your employer?". I'm assuming that the things you find attractive are the higher pay, the flexible hours etc. They aren't necessarily things that incline your employer to agree. Of course if you a... |
I've been looking into 529 plans for my son (3 yrs old) but he has dual citizenship (US and Canadian). It is possible that he might attend college in Canada.
I've look around for information on this but did not find any definitive answer.
Does any one know if 529 plans (or any other college saving plans) can ... |
How do (United States) 529 college savings plans work for attending college in another country? |
I would like to know if it it possible to invest, buy stock, for example in [Apple](http://www.google.com/finance?client=ob&q=NASDAQ:AAPL) from outside the US.
I would not like to use bank accounts in possible rather the credit card, to do this, what would be a **simple** way (no real previous experience in this).
... |
How can I invest in US Stocks from outside the US with a credit card instead of a bank account? |
From [Kiplinger](http://www.kiplinger.com/basics/archives/2003/02/529faqs.html#foreign):
> **Can the money be used at a foreign
> college?** You can use the money at
> hundreds of foreign colleges,
> including the University of Toronto,
> McGill in Montreal and many other
> Canadian schools. If U.S. students at... |
An answer to the question http://money.stackexchange.com/questions/1328/spring-cleaning-for-your-finances-is-there-any-activity-that-should-be-done-ann/1372#1372 mentioned home inventory:
>The Inventory is also very important. This is used in the event that you have a fire or some sort of disaster that requires you ... |
How to take a home inventory? |
I have been in the U.S. since 2007 as a student, and only recently realized the importance of buliding my credit history.
My belief is that a credit card is the way to start building a credit history.
Having being rejected for one from a bank and a store, I have come to notice the reasons for rejection as:
1. ... |
Adding myself as a co-holder of my parent's credit card will bulid my credit history? |
Adding myself as a co-holder of my parent's credit card will build my credit history? |
I have a question pertaining to Federal Stafford Loans, I think it goes here, let me know otherwise.
I have several student loans, Federal Stafford Loans to be exact, and the National Guard has agreed to pay essentially 1/6th of the loans every anniversary of my entry date with them.
Is it possible to place the l... |
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 ... |
I have been in the U.S. since 2007 as a student, and only recently realized the importance of buliding my credit history.
My belief is that a credit card is the way to start building a credit history.
Having being rejected for one from a bank and a store, I have come to notice the reasons for rejection as:
1. ... |
Is there a good rule of thumb for determining how much money to put into each type of account? I'm not at a point where I can max both my 401k, my ROTH IRA, and my wife's ROTH IRA, so I'd like to know where to put my money.
I realize that a lot of this depends of my current tax bracket (25%) and what I expect from t... |
How do I determine how much money to put into pre-tax and post-tax retirement accounts? |
> Would it be prudent to approach one of those "credit consultants" or "credit counseling" agencies to make my credit score better and help me get a credit card?
Simply put, no. Many are actually rip-offs and a waste of time. Those that are not, are indented to repair credit not build credit from scratch.
I sug... |
Can I take a loss on conversion? If so, how do I do so (ie. what US tax form do I use)? |
How do I take a loss on an IRA I converted to a ROTH IRA? |
Federal Stafford Loan deferment options? |
Before I'd do anything else, I'd try to get the incorrect entry on the credit report corrected. That's likely to do you more harm than being a co-holder on your parent's card would do you good.
I assume that you would ask your parents to co-sign on your credit card; you do realise that you do make them liable for an... |
Can I take a loss on conversion? If so, how do I do so (i.e. what US tax form do I use)? |
It all boils down to this: If you don't have a record of what you own before a fire happens, you can't get it after the fire happens.
The more records you have, the better. Proof of sales price. Proof of authenticity. Condition. Quantity. If you have to prove value, you'll be glad you have the records.
It ma... |
I am just about to leave my high deductible plan for a plan that is not HSA-eligible. As I understand it, I could max out my HSA for the year right now, and then I could use the money in my HSA for medical expenses, even though I will no longer have an HSA-eligible insurance plan. Is that correct?
Theoretically, cou... |
How long do you need to have High Deductible insurance before contributing to an HSA? |
Where can I find the dividend history for a stock? do you recommend any site where this information can be easily accessible? |
Where can I find the dividend history for a stock? |
My wife and I purchased a home last year and claimed the first-time homebuyer credit. After filing, we received a notice that our return had been changed, and our refund had been adjusted down exactly $1,500. This looks to me for all the world like they decided to give us the Long-Time Resident $6,500 credit instead (a... |
IRS incorrectly changed my return. Too late to do anything about it? |
Suppose I have some property and want to insure it against fire. The purpose of the insurance is to let me get a new comparable sample of such property in case it is destroyed by fire.
The problem I see is the following.
On one side, if the piece in question is not new its market value is lower than that of the n... |
Is insuring property for more than it is worth allowed? |
Where can I find the dividend history for a stock? Do you recommend any site where this information is easily accessible? |
Where can I find the dividend history for a stock? |
Can i apply immigration if i have house mortgage to pay? |
Can I apply immigration if I have house mortgage to pay? |
You'll have to talk to your mortgage lender about that, I doubt there is a 'generic' answer to it. I do currently have a house in another country that I'm paying a mortgage on, but the lender wasn't too happy with that. They still did accept it, but the bigger problem for me is refinancing it as an investment property ... |
I spoke with 3 banks this morning and they all said that for the time I was on the secured card, they would not report me to the credit unions and companies. They would just keep the score internal to the bank!
Is this the norm with secured credit cards?
Are there some offerings where they also report your credit... |
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 ... |
The [Bank of America secured CC][1] has been mentioned a few times on a couple of forums I'm on as way to build your credit history.
[1]: https://www.bankofamerica.com/credit-cards/marketinglist.action?context_id=marketing_list&category_id=2029 |
Bank of America has [secured credit card][1]. After one year you will be eligible to switch to a regular one. I just closed my secured CC from BoA after one year of using it, because they approved a Cash Back CC for me.
And during that first year of using secured CC it was always reported.
[1]: https://www.bank... |
I got a letter through the mail from American Express offering me a sweet 1.3% interest rate with an FDIC-insured savings account. I currently have a business savings account with a princely 0.35% rate which is apparently the best Wells Fargo offers, and a personal account that seems to pay even less than that.
Is t... |
Anything wrong with american express "personal high yield savings"? |
I started a run my own nonprofit corporation. We have a board of directors and my title is executive director, founder, and am on the board. We have been completely volunteer staffed including myself and have no office now. We just received a grant to temporarily part of a salary as executive director for just 3 mon... |
Should I pay myself as a Contractor or Employee, through my own nonprofit? |
I will receive a lump sum amount as a voluntary departure pkg. I live in Ontario, Canada and want to know what I should invest this amount in(GIC/Mutual Fund) that will get a high return and be tax deductible? |
Whats the best secure tax deductible Investment? |
Throughout my career, I've done some development and consulting projects in addition to my full time job. I've always just reported the income on my personal income tax forms. Now that I am getting more serious and hope to scale up my outside work (think Micro ISV) to hopefully one day replace my day job, I am consider... |
What are the ongoing administrative requirements associated with running a small business that is incorporated? |
What's the best secure tax deductible Investment? |
Yes, take the new rate, but instead of using the new 30 year term, calculate the payment as though the new mortgage were at the remaining term. 3 years into a 30? You calculate the payment as if the new mortgage wee 27 years.
This will tell you what you are really saving. Now, take that savings and divide into your c... |
Is it worth to re-finance my car loan? |
If you're a bit into the loan, then they're probably hoping that you'll take longer to pay off the loan.
Is there a fee for refinancing the loan? If so, be sure to take that into account.
A smart way to approach it (assuming that the fees are low or zero) would be to continue making the same payment you had been... |
I will receive a lump sum amount as a voluntary departure pkg. I live in Ontario, Canada and want to know what I should invest this amount in (GIC/Mutual Fund) that will get a high return and be tax deductible? |
What's the best secure tax deductible investment? |
I run my own nonprofit corporation. Should I pay myself as a contractor or an employee? |
Anything wrong with American Express "Personal High Yield Savings" account? |
Which secured credit cards start building your credit history right away? |
Can I apply for immigration if I have a house mortgage to pay? |
The IRS incorrectly changed my return. Too late to do anything about it? |
Can I take a loss on conversion? If so, how do I do so (i.e. what U.S. tax form do I use)? |
How do I take a loss on an IRA I converted to a Roth IRA? |
Is it worth it to re-finance my car loan? |
I've always used TurboTax, but found an edition of TaxAct that will do state, federal plus schedule c for about 33 percent of the price of the Turbotax edition? Does TaxAct not do some important things that TaxAct does? |
What's the difference between TaxAct and TurboTax? |
Throughout my career, I've done some development and consulting projects in addition to my full time job. I've always just reported the income on my personal income tax forms. Now that I am getting more serious and hope to scale up my outside work (think Micro ISV) to hopefully one day replace my day job, I am consider... |
I've always used TurboTax, but found an edition of TaxAct that will do state, federal plus schedule c for about 33 percent of the price of the Turbotax edition? Does TaxAct not do some important things that TurboTax does? |
There are lots of sites out there that have lists of common tax deductions/credits and several that list ones that people often forget to take. However, is there a good resource that provides a comprehensive list of Tax deductions/credits available to individual US Federal Income taxpayers?
Ideally I'd love to find ... |
Is there an online resource that provides a current and comprehensive list of US Federal tax deductions and credits for individuals? |
I have a high-deductible health plan that qualifies me to open an HSA (Health Savings Account). Where are good places to find an HSA in the US? What sorts of features should I look for? What extra fees should I look out for? |
Where are good places to go for an HSA in the United States? |
A little while ago, I bought $800 worth of stocks and sold about $200 worth in call options against the stock. I think it was 200 shares and 2 contracts (so my options weren't naked).
That takes the price down quite a bit. It's sort of like getting 25% off in a way (once the options expired).
Now when I look at o... |
Covered Call Writing - What affects the price of the options? |
I'm a college graduate, home owner, and I have a decent credit score. I just received a letter from a collection agency claiming I owe upwards of $700 on a delinquent debt from an apartment I lived in my last year of college (2.5 years ago).
There were three of us in the apartment. We were signed in with a joint lea... |
Basically, how bad does a debt collection account effect credit score? |
Thanks to the joint lease, I guess you're still contractually on the hook for the remainder of the rent. Did the apartment owners actually contact you before sending the debt collectors after you?
As you do technically owe the money, they can sue you if you don't pay, so it's not "just" on your credit report.
Tha... |
How badly does an account sent to debt collection affect your credit score? |
The IRS incorrectly changed my return. Is it too late to do anything about it? |
How do I calculate the taxes owed on a conversion from a Traditional IRA to a Roth IRA in 2010?
Thanks,
Seth |
How badly does a collection account sent to the credit bureau hurt my credit score? |
Depends on your definition of "secure".
The most "secure" investment from a preservation of principal point of view is a non-tradable, general obligation government bond. (Like a US or Canadian savings bond.) Why? There is no interest rate risk -- you can't lose money.
The downside is that the rate is not so good... |
Are the contributions to a traditional IRA taxed differently than the earnings when withdrawn and/or are they both considered taxable income when withdrawn? |
I would like some insight into the process for financially planing to have to have a child. Outside of the obvious upfront medical expenses, what are some important financially considerations that I should be aware of? |
I would like some insight into the process for financially planning to have a child. Outside of the obvious upfront medical expenses, what are some important financial considerations that I should be aware of? |
Child care - will a parent stay home? Bring Child to daycare? Nanny? This can range from [$4k+ to nearly $15K for daycare][1] outside the house. For a nanny (of course, we found a gal with a masters degree in early childhood development) it can run to a full salary, $30K in her case.
The extra mouth to feed, the di... |
Matthew - what was the stock price and strike price of the option when you did this? I've never seen an at-the-money strike with only a month to run have a price 25% of the underlying stock. Jaydles covers the variables really well in his answer. |
Healthcare - can they go directly on to your health insurance, and at what cost? And get those immunisations lined up to ensure no later illnesses that can be expensive and avoidable.
Education - how are the schools in your area and what is the schools policy? Should you be considering moving and how long in advanc... |
Financially planning to have a baby: What are some considerations to be aware of? |
Traditional IRA taxes: Are withdrawals of contributions taxed different than earnings? |
How to calculate taxes owed on conversion from Traditional to Roth IRA in 2010? |
In general, things to look for are:
1. How high is is the account's rate of return?
2. How easy is it to access your money?
I'd recommend two places:
1. Find a high interest HSA savings account. For example, [Stanford Federal Credit Union][1] currently offers 1.5% to members without direct deposit, 2.5% to ... |
In general, things to look for are:
1. How high is is the account's rate of return?
2. How easy is it to access your money?
Things to look out for:
1. Minimum monthly amounts to put into checking accounts, or you'll be dinged with a monthly fee
2. Large expense ratios in "mutual funds" you invest into, or $5... |
I spoke with 3 banks this morning and they all said that for the time I was on the secured card, they would not report me to the credit unions and companies. They would just keep the score internal to the bank!
Is this the norm with secured credit cards?
Are there some offerings where they also report your credit... |
I spoke with 3 banks this morning and they all said that for the time I was on the secured card, they would not report me to the credit unions and companies. They would just keep the score internal to the bank!
Is this the norm with secured credit cards?
Are there some offerings where they also report your credit... |
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