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Say you have the following situation:
* You have pre-IPO stock options
* Half of the options have vested, the other half will vest over the next 2 years
* Your strike price is S
* The fair market value of the stock is now F, where F > S
* It seems likely the company will go public in a year or so
* I'm in the ... |
Will learning how to read financial statements really give investors a significant edge? From your experience, is it worth the time to pick up this tool? |
Does Reading Financial Statements Really Help Investing? |
Are there any pitfalls to filing my taxes online rather than downloading and installing a program on my computer? |
Taxes online or offline? |
I am able to save $1,100 a month, after all expenses and after paying the minimums ($225 a month on my 2.24% and 3.25% student loans). I want to make smart decisions with my money, but am not sure what to do. I currently have a secure job and have about $23,000 in these low interest student loans. I have no credit card... |
I have a different perspective. I believe the move to Roth *may* be beneficial to a select few, but not most, people. I coined the phrase RothMania as I believe that's what's happening. A relatively uninformed move based on fear and not enough analysis.
Let's look at a retiree today. A Couple has a $11,400 standard d... |
Reading financial statements is important, in the sense that it gives you a picture of whether revenues and profits are growing or shrinking, and what management thinks the future will look like. The challenge is, there are firms that make computers read filings for them and inform their trading strategy. If the comput... |
I'm looking to convert a house into a more energy efficient version of it; what options or services can I access, that are specifically designed to help with the financing of the conversion? Has anyone gone through this process, and can give pointers as to which choices are likely to be cost efficient?
The house is ... |
What can I do to help subsidize the conversion of a house into an energy efficient house? |
As part of recent contract negotiations between a contractor and a hiring corporation in Canada, I've seen an offer to replace expected vacation and holiday payments with an increased hourly rate.
The increase is calculated as (new hourly rate) = (current hourly rate)*(expected hours worked + expected paid holiday h... |
Which is more beneficial, tax-wise, vacation/holidays or a higher salary? |
> **Possible Duplicate:**
> [Best way to start investing, for a young person just starting their career?](http://money.stackexchange.com/questions/1625/best-way-to-start-investing-for-a-young-person-just-starting-their-career)
<!-- End of automatically inserted text -->
Hello,
With 1500+ questions on this foru... |
Financial statements provide a large amount of specialized, complex, information about the company.
If you know how to process the statements, and can place the info they provide in context with other significant information you have about the market, then you will likely be able to make better decisions about the c... |
Does reading financial statements (quarterly or annual reports) really help investing? |
In Canada, are options available to subsidize conversion of a house into an energy efficient house? |
Which is more beneficial, tax-wise, vacation/holiday time-off, or a higher salary? |
Any pitfalls to filing taxes online, vs. downloading & installing a program on my computer? |
Is there any tax advantage that I can gain if I invest my bonus into my 401k account, instead of using it as normal salary? For tax purposes, my status is married filing jointly with the tax bracket of 28% (according to 2010 tax brackets.)
The reason I am asking this is because if I want to use it as normal salary, ... |
Using bonus in a tax-efficient way with my 401k account? |
If one spouse is American and the other Canadian, what are the gifting rules for this couple? Is the couple still limited to 26,000 or can they specify that the American is gifting 13,000 and the Canadian gifting 100,000. That is in regard to a property they are selling to their adult child. |
What are the rules for gifting for a couple when one is a U.S. citizen & the other a Canadian? |
My brother recently qualified for disability pay at 34 years old for blindness.
He and I both have the same degenerative disease. I'm three years younger than he is and will most likely require disability at some point in the future (hopefully not too distant).
Anyway, I've been diligently putting money into my ... |
With the likelihood of disability, should I save for retirement? |
I'm not a huge fan of tax-advantaged retirement accounts anyway, so I wouldn't fault you for not contributing even if you *weren't* likely to develop a disability.
Do you have disability insurance? I hope so. If you already have the disease then you may not be able to get it now if you don't have it already becaus... |
So what would be 1000 Euro from 2005 worth today, considering the inflation? |
What's the value of Euro today compared to 2005? |
The European Central Bank's Harmonised Index of Consumer Prices was set at 100 in 2005. In December 2010, the most recent month for which it's available, it was 111.3. So €1000 in 2005 would buy you the same amount of stuff as €1113 would now.
Source: http://sdw.ecb.europa.eu/reports.do?node=100000181 |
So what would be 1000 Euro from 2005 worth today (January, 2011), considering the inflation? |
What's the value of Euro today (January, 2011) compared to 2005? |
My brother recently qualified for disability pay at 34 years old for blindness.
He and I both have the same degenerative disease. I'm three years younger than he is and will most likely require disability at some point in the future (hopefully not too distant).
Anyway, I've been diligently putting money into my ... |
Considering inflation, what's the value of Euro today (January, 2011) compared to 2005? |
My brother recently qualified for disability pay at 34 years old for blindness.
He and I both have the same degenerative disease. I'm three years younger than he is and will most likely require disability at some point in the future.
Anyway, I've been diligently putting money into my 401k and a Roth IRA. My que... |
I am working on a business plan for a small business I'm going to be starting in the near future. I am going to incorporate as an S-corp. One of the line items on the business plan I have to present to the banks soon is how much of my salary will be taken by taxes and how much of the dividends I pay myself will be take... |
Most (UK) insurance policies have a "dual insurance" clause along the following lines:
> If any injury, loss, damage or liability is covered by any other insurance then we will not pay more than our proportion.
I understand why (to guard against double recovery), but:
1. How is "our proportion" calculated? Do... |
What publicly available software do professional stock traders use? I assume they use something more advanced than Google Finance... right? |
What publicly available software do professional stock traders use? |
What publicly available software do professional stock traders use for stock analysis? I assume they use something more advanced than Google Finance... right? |
What publicly available software do professional stock traders use for stock analysis? |
I currently have 2 brokerage accounts - one at Schwab and one at Vanguard - I would like to consolidate them both at Vanguard. How does that work? Do the stocks (mutual funds in this case) just transfer over, or does it count as selling the funds (requiring me to pay capital gains tax)? I assume that it is the former?
... |
How does it work to transfer to a new brokerage account? |
How does transferring to a new brokerage account work? |
I am in Europe and I would like to differentiate my portfolio in buying resources, such as oil, sulphuric acid, titanium etc. Of course not in material form, but as stocks. How can I achieve this ?
|
how to buy resources ? |
I am in Europe and I would like to differentiate my portfolio in buying resources, such as oil, sulphuric acid, titanium etc. Of course not in material form, but as stocks. How can I achieve this?
|
Using the stock market, how can I buy commodities / resources, to diversify my portfolio? |
How do insurers decide "their" proportion of a claim when dual-insured? |
(I'm like the guy asking [that question "Shares; are they really only for the rich/investors?"](http://money.stackexchange.com/questions/986/shares-are-they-really-only-for-the-rich-investors):)
would like to invest £50 here and there from time to time. (I choose the companies I like.) I don't want to get involved i... |
Using stock markets in Europe, how can I buy commodities / resources, to diversify my portfolio? |
(I'm like the guy asking [that question "Shares; are they really only for the rich/investors?"](http://money.stackexchange.com/questions/986/shares-are-they-really-only-for-the-rich-investors):)
I would like to invest £50 here and there from time to time. (I choose the companies I like.) I don't want to get involved... |
Where can I buy stocks in the U.K. if I only want to invest a little bit at a time, and not really being involved in trading? |
>I don't want to get involved in trading chasing immediate profit
That is the best part. There is an answer in the other question, where a guy only invested in small amounts and had a big sum by the time he retired. There is good logic in the answer. If you put in lump sum in a single stroke you will get at a singl... |
>I don't want to get involved in trading chasing immediate profit
That is the best part. There is an answer in the other question, where a guy only invested in small amounts and had a big sum by the time he retired. There is good logic in the answer. If you put in lump sum in a single stroke you will get at a singl... |
>I don't want to get involved in trading chasing immediate profit
That is the best part. There is an answer in the other question, where a guy only invested in small amounts and had a big sum by the time he retired. There is good logic in the answer. If you put in lump sum in a single stroke you will get at a singl... |
(I'm like the guy asking [that question "Shares; are they really only for the rich/investors?"](http://money.stackexchange.com/questions/986/shares-are-they-really-only-for-the-rich-investors):)
would like to invest £50 here and there from time to time. (I choose the companies I like.) I don't want to get involved i... |
(I'm like the guy asking [that question "Shares; are they really only for the rich/investors?"](http://money.stackexchange.com/questions/986/shares-are-they-really-only-for-the-rich-investors):)
would like to invest £50 (or $50) here and there from time to time. (I choose the companies I like.) I don't want to get i... |
Where can I buy stocks if I only want to invest a little bit at a time, and not really be involved in trading? |
(I'm like the guy asking [that question "Shares; are they really only for the rich/investors?"](http://money.stackexchange.com/questions/986/shares-are-they-really-only-for-the-rich-investors):)
I would like to invest £50 (or $50) here and there from time to time. (I choose the companies I like.) I don't want to get... |
(I'm like the guy asking [that question "Shares; are they really only for the rich/investors?"](http://money.stackexchange.com/questions/986/shares-are-they-really-only-for-the-rich-investors):)
I would like to invest £50 (or $50) here and there from time to time. (I choose the companies I like.) I don't want to get... |
I am on a student F-1 visa in the United States, and have invested in a number of U.S. mutual funds through Vanguard.
Questions:
1. Do I count as a non-resident alien OR a resident alien for tax purposes?
2. If I leave the U.S. after my studies, what are the implications for the tax that will be incurred on my i... |
Change in taxes with change in residency status in U.S.? |
Would a couple have to specifically declare themselves or apply for common-law status, or is it implicitly bestowed?
For example, if one passes away, can the other claim common law status without a written indication from the deceased? Can the two file taxes separately, or must they file together? |
Is common-law status compulsory/involuntary in Canada or optional/voluntary? |
I got a bill for an emergency room visit for one of my kids. It was the weekend and that was where the insurance told us to go. Luckily no stitches needed. Fast forward 7 months and I get a bill for over $700. On the bill it says that they charged the health insurance company but they only last month, over 6 months ... |
The doctor didn't charge the health insurance in time, am I liable? |
I got a bill for an emergency room visit for one of my kids. It was the weekend and that was where the insurance told us to go. Luckily no stitches needed. Fast forward 7 months and I get a bill for over $700. On the bill it says that they charged the health insurance company but they only last month, over 6 months ... |
I got a bill for an emergency room visit for one of my kids. It was the weekend and that was where the insurance told us to go. Luckily no stitches needed. Fast forward 7 months and I get a bill for over $700. On the bill it says that they charged the health insurance company but they dis so only last month, over 6 ... |
In Australia, the most highly paid professions right now are electricians and plumbers and tradespeople.
I think this is caused by the mining boom, a housing shortage leading to a laboring skills shortage.
Like it is actually not uncommon for plumbers to be making US$150k a year.
I was wondering, is this similar... |
Do tradespeople get paid as well in other Western countries as they do in Australia? |
I've only owned 1.5 years, but looking to sell my home because I want to change neighborhoods. Since most of the early mortgage payments on my 30-yr fixed rate loan go to interest rather than principal, how do I calculate how much I need to sell for to break even? Is there an example spreadsheet that considers everythi... |
How do I calculate break even on selling a home? |
Is there a canadian equivalent to Sharebuilder? A site which contains the same functionality, and provides the same services at roughly the same price point? |
What is a Canadian equivalent to Sharebuilder.com? |
Will learning how to read financial statements really give investors a significant edge? From your experience, is it worth the time to pick up this tool?
Edit: Thanks for all the feed back guys. I wish I can mark all your answers since you all give a different perspective to my question. From what I gather, reading ... |
I accidentally over contributed $25 to my traditional IRA last year giving a total non-deductible contribution of $5025. This was then converted along with all my traditional IRAs into Roth IRAs in 2010.
Now shall I recharacterize $25 from Roth to Traditional IRA and then do removal of excess distribution of $25 fr... |
Overcontribution to Traditional IRA in 2010 now converted to Roth? |
Excess contribution to Traditional IRA in 2010 now converted to Roth? |
Is working on a W2 basis, with benefits paid to me, a good idea? |
What do I do with excess contribution to traditional IRA that was converted to a Roth IRA? |
In 2010 my residency changed from the home I own to a home I'm renting, but I owned the mortgaged home all year. Is the deductable amount of mortgage interest paid pro-rated based on the date I moved? This is unclear to me (or I'm optimistic I can claim the full amount of interest for 2010) because I often see the pr... |
My employer wants me to give my routing-numbers, social-security numbers, and basically everything else required to take money out of my account, to several third-party direct-deposit websites (one for weekly paychecks, one for milage reimbursements, etc.). I am not comfortable giving my identity information away to a... |
Is there such a thing as a deposit-only bank account? |
Do you write checks? You are giving your bank account and routing number to anybody you have ever given a check to. Your employer is paying taxes on your behalf, so they need your social security number so they can pay your *social security taxes*.
Account and routing numbers are how deposits are made. If you are... |
What is the difference between Debit and Credit AND purchase and sale? These terms are very confusing.
I have some example questions to understand it more easily.
If I run a shop and
1. a customer buy something from me, what is the debit and credit?
2. a customer buy something of worth 1000 but giv... |
What is the difference between Debit and Credit? |
My employer wants me to give my routing-numbers, social-security numbers, and basically everything else required to take money out of my account, to several third-party direct-deposit websites (one for weekly paychecks, one for milage reimbursements, etc.). I am not comfortable giving my identity information away to a... |
I got a bill for an emergency room visit for one of my kids. It was the weekend and that was where the insurance told us to go. Luckily no stitches needed. Fast forward 7 months and I get a bill for over $700. On the bill it says that they charged the health insurance company but they did so only last month, over 6 ... |
There is a thing called the consumer price index (CPI) There is a basket of goods that the people who keep the index basically shop for. It is much more detailed for the sake of accuracy, but bottom line is they shop for the same stuff each year. They measure the difference from year to year and that gives you a pret... |
My employer wants me to give my routing-numbers, social-security numbers, and basically everything else required to take money out of my account, to several third-party direct-deposit websites (one for weekly paychecks, one for mileage reimbursements, etc.). I am not comfortable giving my identity information away to ... |
I have an investment account that has been actually doing decently well in the last 4 months since I opened it. I started with $4,600 and it is now worth $5,070 - so about a 10% gain in 4 months.
However, I ran some reports on the performance of the S&P 500, NASDAQ and Dow Jones and they all seem to be out-performin... |
My investment account is increasingly and significantly underperforming vs. the S&P 500. What should I do? |
I have an investment account that has been actually doing decently well in the last 4 months since I opened it. I started with $4,600 and it is now worth $5,070 - so about a 10% gain in 4 months.
However, I ran some reports on the performance of the S&P 500, NASDAQ and Dow Jones and they all seem to be out-performin... |
How does a credit card company make any money off of me using their card if there are no fees associated with the card (I don't pay any extra) and I pay off my balance on time every month (so I don't pay any fees ever for this either). Are they just banking on the fact that many people don't do this and end up owing t... |
I am a foreign national currently working in USA. I am considering contributing around 5K to a 401K plan (with no employer match). I intend to return to my country in a few years (when I am in my 40s).
1. Is the 401k contribution both Federal and State tax exempt at the time of contribution? I live in California.
... |
I am a foreign national currently working in USA. I am considering contributing around 5K to a 401K plan (with no employer match). I intend to return to my country in a few years (when I am in my 40s).
1. Is the 401k contribution both Federal and State tax exempt at the time of contribution? I live in California.
... |
Cost of living is a major factor in people's decisions: where to live, how much salary is needed for comparable lifestyles, and so on. But I was thinking the other day, that CoL might be overemphasized as a cost, given how big a chunk rent is.
High rent places are usually also high property value places. Given the t... |
Is Cost of Living overstated? |
For example: Fnma.ob went up ~20% today, Feb 3 2011. How come? What websites have you found to be useful in returning relevant information. It seems to me yahoo/finance is not very good at this. |
I am a foreign national currently working in USA. I am considering contributing around 5K to a 401K plan (with no employer match). I intend to return to my country in a few years (when I am in my 40s).
1. Is the 401K contribution both Federal and State tax exempt at the time of contribution? I live in California.
... |
Foreign national currently working in U.S. & investing in 401(k) plan: How will taxes apply? |
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