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For example: Fannie Mae went up ~20% today, February 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.
Best way to understand rise in stock value? How to find out what caused a stock to go up?
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...
How can a credit card company make any money off me? I have a no-fee card and pay my balance on time.
At any moment, the price is where the supply (seller) and demand (buyer) intersect. This occurs fast enough you don't see it as anything other than bid/ask. What moves it? News of a new drug, device, sandwich, etc. Earning release, whether above or below expectations, or even dead-on, will often impact the price. Ev...
A few days ago they launched Fannie Mae Guaranteed Multifamily Structures ([link][1]) but who knows? It's a penny stock now. Google Finance is pretty good at marking news right on the chart for a particular stock. That's how I tracked that piece of news down. Can't say that it precipitated a lot of people buying ...
My wife and I have a Bank of America savings and checking account. We got hit with our first fee for the pleasure of having an account and I want to move to a credit union. My wife feels comfortable making deposits via ATM, but the credit union ATM network isn't very dense where we often work and play. How does ...
Depositing money or checks into an ATM?
<p> Personal Finance and Money - Stack Exchange is for people who want to be financially literate, find ways to save money, minimize taxes, invest wisely, plan for retirement, etc. Also for financially-savvy amateurs, DIY-investors & personal finance pros. </p> If you have a question about: * Personal investing ...
Depositing money or checks into another institution's ATM?
What market conditions favor small cap stocks over medium cap stocks?
From January to August 2010 I worked in the USA and then I moved to Canada where I'm a student making basically nothing. Do I file an income tax return in Canada, USA or both? (If Canada, how do I get all of the deductions that I paid in the US back?) Also, I bought a lot of stocks in March of 2010 and made about ...
From January to August 2010 I worked in the USA and then I moved to Canada where I'm a student making basically nothing. Do I file an income tax return in Canada, USA or both? (If Canada, how do I get all of the deductions that I paid in the US back?) Also, I bought a lot of stocks in March of 2010 and made about ...
From January to August 2010 I worked in the USA and then I moved to Canada where I'm a student making basically nothing. Do I file an income tax return in Canada, USA or both? (If Canada, how do I get all of the deductions that I paid in the US back?) Also, I bought a lot of stocks in March of 2010 and made about ...
From January to August 2010 I worked in the USA and then I moved to Canada where I'm a student making basically nothing. Do I file an income tax return in Canada, USA or both? (If Canada, how do I get all of the deductions that I paid in the US back?) Also, I bought stocks in March of 2010 and made some unrealized...
From January to August 2010 I worked in the USA and then I moved to Canada where I'm a student. Do I file an income tax return in Canada, USA or both? (If Canada, how do I get all of the deductions that I paid in the US back?) Also, I bought stocks in March of 2010 and made some unrealized capital again. How do I...
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. Can I make a 2011 contribution of $25 to my traditional IRA (so it no longer has a zero balance) and use that to ...
How to back out excess IRA contribution from 2010 when IRA has zero balance?
Can I deposit checks into my credit union into another bank's ATM?
How can I back out excess IRA contributions when my IRA has a zero balance?
How can I find out what factors are making a stock's price rise?
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 ...
I got a nastygram from my bank because we made >6 withdrawals from our HSA last month. According to them, the limit of 6 withdrawals is a federal regulation. I'm familiar with this for normal savings accounts. Is this standard practice for HSA's? They have (what seems to me) an odd structure to the HSA. It's a co...
Limit on monthly HSA withdrawals? [USA]
Previous answers have done a great job with the "**Should I invest?**" question. One thing you may be overlooking is the question "**Am I allowed to invest?**" For most offerings of stock in a startup, investors are required to be **accredited** by the SEC's [definition][1]. See this helpful [quora post][2] fo...
From my understanding all HSA accounts are going to be limited to 6 transfers a month. Have you considered using a credit card you earn rewards on and then writing yourself a check out of the HSA at the end of the month?
when I rolled over my husbands 401k into a IRA after his death, the beginning balance was 100,000.00 and now the balance is around 10, 000.00 If i sell the IRA, can I deduct the loss on my taxes?
When I rolled over my husband's 401(k) into an IRA after his death, the beginning balance was 100,000.00 and now the balance is around 10,000.00 If I sell the IRA, can I deduct the loss on my taxes?
Rolled over husband's 401(k) to IRA after his death. Can I deduct a loss since?
I am marginally in a lower tax bracket based on W2 income. If I add capital gains from stock sales, then this tax bracket would go higher. Does capital gains actually affect your tax bracket or are they just taxed separately (based on long-term vs short-term gains/losses) ?
Will capital gains affect my tax bracket?
I had some RSUs where some amount (call it V) vested. Then tax was taken and a smaller amount (call it R) were released, which I sold. I'm using E*Trade, and HR Block have imported my 1099-B form. The question I have is what should I say the taxed payed was? The 1099-B only talks about the value of the released...
I had some RSUs where some amount (call it V) vested. Then tax was taken and a smaller amount (call it R) were released, which I sold. I'm using E*Trade, and HR Block have imported my 1099-B form. The question I have is what should I say the taxed payed was? The 1099-B only talks about the value of the released...
I trust the 401(k) was a traditional, pre tax account. There was no tax paid, and any withdrawals would be taxable. The account could go to zero, and there's no write off, sorry. I have to ask - were there any withdrawals along the way? What was it invested in that lost 90% of its value?
I had some RSUs where some amount (call it V) vested. Then tax was taken and a smaller amount (call it R) were released, which I sold. I'm using E*Trade, and HR Block have imported my 1099-B form. The question I have is what should I say the taxed paid was? The 1099-B only talks about the value of the released ...
**First:** In most cases when you inherit stocks the cost basis is stepped up to the date of the death of the person you inherited them from. <strike>So the capital gain/loss is likely reset to zero.</strike> The rules vary a bit for joint accounts, but retirement accounts (401k/ROTH) are considered individual acco...
I have a 2 year old daughter, US citizen by birth. Can we invest in her name in PPF (Public Provident Fund) or NSC (National Savings Certificate) ? Both parents are Indian nationals.
I started watching Zeitgeist, moving forward: http://www.imdb.com/title/tt1781069/ It's got amazing reviews, the content is pretty heavy going but fascinating. One of the claims in the film is that a growing economy is becoming less efficient, contrary to the belief that it is becoming more efficient. Can any...
Does a growing economy mean the economy is becoming less efficient?
The 401(k) contribution is Federal tax free, when you make the contribution, and most likely State too. I believe that is true for California, specifically. There was a court case some years ago about people making 401(k) or IRA contributions in New York, avoiding the New York state income tax. Then they moved to ...
What is it with Vanguard? I've heard the name come up a bunch, but I don't know why this particular company is getting all the good free press...
Why do a lot of people recommend Vanguard so often?
I'm currently in a weird situation - I have a large amount of accrued debt (85k principal, ~15k accrued interest so far), spread amongst multiple smaller student loans. Some are federal stafford loans, which were taken out at Max, and some are large private student loans. Currently, I'm paying them at minimum throu...
What options are there for consolidating a large amount of student loan debt?
I have an investment account, opened in my name by my father years ago that I just discovered 4 months ago. It has actually been doing decently well in the last 4 months since I discovered 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 perf...
Every year when I get paid a bonus, almost have of the bonus gets withheld for income taxes. My normal paycheck is never taxed at that rate. How do I stop that from happening?
Why does my bonus at year end get taxed at a different rate?
Every year when I get paid a bonus, almost half of the bonus gets withheld for income taxes. My normal paycheck is never taxed at that rate. How do I stop that from happening?
I think the 2 previous answers are missing the biggest component of the cost savings: Since ETFs are traded as stocks, you pay a commission every time you buy and sell an exchange-traded fund. In contrast, *lots* of the most popular funds (e.g. Fidelity funds) demand no commission when you trade in and out of them. ...
If you live in a shared ownership house, i.e. everything is 50/50 interms of deposit, monthly payments, bills, and eventually estate agent costs, lawyer costs when the house is sold. If the mortgage is over 25 years and for the first 5 years both owners live in the house and split everything 50/50, how to the calcul...
If you live in a shared ownership house, i.e. everything is 50/50 interms of deposit, monthly payments, bills, and eventually estate agent costs, lawyer costs when the house is sold. If the mortgage is over 25 years and for the first 5 years both owners live in the house and split everything 50/50, how do the calcul...
I've been a Vanguard client for more than 40 years. My reasons? Wide selection of high quality funds; low costs; excellent service. On the other hand, this is not a place for people who need advice. At Vanguard, you are your own adviser. They provide ample information, but the responsibility is yours.
Where on tax return to deduct IRA distributions made directly to charity?
House w/shared ownership: If one person moves out & other assumes mortgage, how to determine who owns what share in the end?
The answer is "it depends". What does it depend on? - Were the circumstances around the person moving out amicable? Was it a romance gone bad or a business arrangement? - Are the names of both people on the deed? - Do records exist detailing who made payments on what? - Are you willing/able to liquidate t...
Let's look at the logical extreme. Two people get a house, no money down, 10 year mortgage. One moves out the day after the closing, and the gal left pays the full mortgage. Why in the world would the one who left be entitled to a dime? You offer no information about the downpayment or amount paid during the time bot...
I managed to benefit from an inheritance lump sum payment overseas. After paying off my debts, I will still have majority of that inheritance lump sum. My goal for that money is to preserve its value. Investing them in GIC, bonds, or other cash-like liquid investments would get that fund eaten away fairly quickly throu...
If my mutual fund's minimum investment is $10K, does that mean I can sell shares after a year and fall below $10K without penalty? Thanks, Chirag
Is the minimum investment the same as minimum balance for a mutual fund?
I'm currently in a weird situation - I have a large amount of accrued debt (85k principal, ~15k accrued interest so far), spread amongst multiple smaller student loans. Some are federal stafford loans, which were taken out at Max, and some are large private student loans. Currently, I'm paying them at minimum throu...
What options are there for consolidating a large amount of private student loan debt?
There's little doubt that EMV has better security than simple mag stripe cards. EMV cards currently can't be skimmed or duplicated, unlike mag stripe cards. That gets rid of a bunch of fraud channels. The EMV standard is large and there are many ways to implement it. There are currently(?) 3 types of chips - SDA, D...
I inherited a lump sum and paid off my debts. How can I preserve the value of remaining capital?
This question is really more specific to Mint.com since I do all of my personal account management there. In the Budgets tab, I always have the unaccounted transactions at the bottom of the page where my Savings transactions sit. For a time, I would set these as a debit from my checking account and add them into the...
How do I set up savings line items in my budget? As expense, income, or neither?
Mint.com: How to set up savings line items in budget: As expense, income, or neither?
Can you get a cashier's check from your bank, made out in the charity's name, and mail it to the charity? From what I recall of the last few times I've gotten a cashier's check from the bank, it didn't have anything on it that identified me. A determined person could probably trace it back to you, but you're not rea...
I second (or fifth?) the answers of the other users in that this should have been foreseen and discussed prior to entering the partnership. But to offer a potential solution: If the mortgage company allows you to assume the whole mortgage (big if) you could buy the other partner out. To determine what a fair buyout...
I'm looking to lower the intrest rate on my line of credit, and, before calling up my bank, I am wondering what kind of information I should have prepared that I can use as arguments when trying to convince them to do this?
What kind of information can I use when trying to convince my bank to lower the interest rate on my line of credit?
I'm looking to lower the interest rate on my line of credit, and, before calling up my bank, I am wondering what kind of information I should have prepared that I can use as arguments when trying to convince them to do this?
I'm looking to find out the name(s) of the fund manager(s) for a given fund - where can I go to find this information out? Are there any third-party sources for this info?
What resources can I use to try and find out the name of the manager for a given fund?
Yahoo Finance: http://finance.yahoo.com/q/pr?s=VFINX+Profile Under "Management Information"
I managed to benefit from an inheritance lump sum payment overseas. After paying off my debts, I will still have majority of that inheritance lump sum. My goal for that money is to preserve its value. Investing them in GIC, bonds, or other cash-like liquid investments would get that fund eaten away fairly quickly throu...
*Excellent Question!* I agree with other repliers but there are some uneasy things with index funds. Since your view is death, I will take extremely pessimist view things that may cause it (very big may): 1. [tracking indices never stay the same, updating indices is costly to shareholders due to front running][...
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 ...
I worked as an independent contractor for a short time this year (summer), bringing in under 5K in earnings. I have received all of my W2's at this point and am preparing to do my taxes this weekend. Will I need to fill out any forms other than my standard tax form? I'm guessing I will need for the Medicare/FICA tax...
This is a follow-up to my previous question: [My investment account is increasingly and significantly underperforming vs. the S&P 500. What should I do?][1] Much of the advice I received pertained to switching my money to a Vanguard fund. This may seem obvious, but I am new to investing and I don't know how to p...
How do I properly pull my funds from one account and invest in another when I do not have a broker?
Tax implications of having some self-employment income?
I can't help you with consolidation, but I'd suggest automating as much of the payments as possible. * Do your lenders support automatic debit of your checking for the payments? * Can you use online bill pay to make the payments? If not, you might take a look at any of the numerous online banks that have online ...
I'm 19 years old and is keen on investing in blue-chip companies. What are the few blue chip companies recommended? and what should I take note of?
I'm 19 years old and am keen on investing in blue-chip companies. What are the few blue chip companies recommended? What should I take note of?
Dogma always disappoints. The notion that an index fund is the end-all, be-all for investing because the expense ratios are low is a flawed one. I don't concern myself with cost as an independent factor -- I look for the best value. Bogle's dogma lines up with his business, so you need to factor that in as well...
Is it a good investment for a foreigner to purchase a flat/apartment in China?
No, I don't. This could be a great question, but with no background, not so much. Do you live there now? For how long, and how much longer? You say investment, are you looking to live in it or rent it out? I have nothing against China, but I'd not buy anywhere unless the price, location, and timing all were righ...
If you're tending toward stocks because you have a long time horizon, you're looking at them for the right reasons. I'm twice your age. I have a mortgage -- two of them, actually! -- a wife, and a six-year-old. I can't really justify being terribly risky with my money because I have others depending on my income. ...
Havoc P's answer is good (+1). Also don't forget the other aspects of business income: state filing fees, county/city filing fees, business licenses, etc. Are there any taxes you have to collect from your customers? If you expect to make more this year, then you should make estimated quarterly tax payments. The...
Is it a good investment for a foreigner to purchase a flat/apartment in China? Why, or why not?
Is it a good investment for a foreigner to purchase a flat/apartment in China?
Don't start by investing in a few individual companies. This is risky. Want an example? I'm thinking of a big company, say $120 billion or so, a household name, and good consistent dividends to boot. They were doing fairly well, and were generally busy trying to convince people that they were looking to the future with...
I'm 19 years old and am keen on investing in blue-chip companies. What should I take note of?
What should I be aware of as a young investor?
Is there a comparison site for foreign money exchange vendors? When I travel internationally, I find that some of the vendors can charge different types of commissions and the rates vary wildly. Some are flat fee, some are flat fee plus a percentage, and so on.
Is there a comparison site for foreign money exchange vendors?
I'm 39 and have been investing since my very early 20's, and the advice I'd like to go back and give myself is the following: 1) **Time is your friend**. Compounding interest is a powerful force and is probably the most important factor to how much money you are going to wind up with in the end. Save as much a...
<p> Personal Finance and Money - Stack Exchange is for people who want to be financially literate, find ways to save money, minimize taxes, invest wisely, plan for retirement, etc. Also for financially-savvy amateurs, DIY-investors & personal finance pros. </p> If you have a question about: * Personal investing ...
I have a few stocks and my normal way of selling them is to watch yahoo and if they hit a certain price I decide if I should sell. I want to be a bit more automatic and I see these orders are available: Limit Stop Stop Limit Trailing Stop Which one is the best to use to say that if a stock hits this...
Which type of stock order would I use to sell a stock that hits a price or drops below it?