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Went over my credit limit by a bit. I paid half of the balance today. Any consequences?
Does Reuters provide the 4pm London Spot rate for currencies?
Two suggestions: I don't know if you have them in South Africa, but here we have some TV reality shows where a credit consultant visits a family that is deeply in debt and advises them on how to get out of it. The advice isn't very sophisticated, but it does show the personal impact on a family and what is likely to...
I am writing Sch D software and researching the proper way to report certain capital gains distributions from leveraged EFTs, for example TYH. These distributions are reported as "short term", see [here][1]. I confirmed by phone call with the fund manager that these are definitely short term gains. However, at the end ...
Does anyone have a reference to a detailed mathematical analysis of the process of dollar cost averaging and whether it is really beneficial? [This question][1] isn't detailed enough. [1]: http://money.stackexchange.com/questions/129/does-dollar-cost-averaging-really-work
I've been married for a couple of years now, and we've been playing pretty loose with our finances (we keep separate accounts and like to pay more or less equally for our common expenses). Lately, we've been feeling the need to know where our money is going and keep better track of who pays what at home. So I wanted...
How to keep control of shared expenses inside marriage?
Apart from midnight-gardening ... what are some of the truly safe and cost-effective storage methods for gold and silver bullion? This is for core bullion with no numismatic value. And, yes I am looking specifically for bullion storage so any suggestions regarding e-Gold/Gold funds can be avoided.
Unless you have an actual 1099-Div from the ETF covering a period when they distributed net short term gains, I don't think you will know how they are actually handling the reporting. The fact is that the [Direxion page you linked][1] lists three categories (Income Dividend, Short Term Capital Gain, Long Term Capital ...
I've been married for a couple of years now, and we've been playing pretty loose with our finances (we keep separate accounts and like to pay more or less equally for our common expenses). Lately, we've been feeling the need to know where our money is going and keep better track of who pays what at home. So I wanted...
Is there a chance rates with fall further? $700 to save $180/yr is ok if rates don't go down and you refi again, and if you don't sell. On the other hand, we're not talking the kind of costs that you might find in the US, thousand in some cases.
Why not start a third account, the "house" account? However you decide to fund it, equally or in proportion to income, you both chip in, and the payments for all joint expenses come from there. Rent, utilities, food, phone, cable.
What should I ask about these options? I assume they are worth nothing until (if) the company goes public? Obviously I'll want to judge the relative value so I'll want to know things like outstanding shares (or whatever percentage my offering represents), etc. Any suggestions?
Anticipating being offered stock options in a privately held company upon employment. What questions should I ask?
Good on you for being proactive about this. If you do the maths, the interest you will pay looks like this: 200,000 x 0.699 = 13,980 p.a; 200,000 x 0.689 = 13,780 p.a.; Annual savings due to lower interest rate = $200 p.a. So realistically, your savings isn't that big. $200 p.a. assuming you don't pay down you...
What is the interest rate for Chinese yuan at the moment?
I am looking to start an investment portfolio with around £1000 of my savings going into the stock market and was wondering how I would go about doing this. I would like to spread this money across a few moderate to high risk investments with the hope of high returns, I also will be placing around £4000 into an ISA ...
I am looking to start an investment portfolio with around £1000 of my savings going into the stock market and was wondering how I would go about doing this. I would like to spread this money across a few moderate to high risk investments with the hope of high returns, I also will be placing around £4000 into an ISA ...
The company doesn't necessarily have to go public. They can also be worth money if the company is acquired. Also keep in mind that even if the company does eventually go public, your shares can essentially be wiped out by a round of pre-IPO funding that gives the company a low valuation. You could ask: * what ...
Hallo, I have been toying with this idea in my mind for a while now and to me it sounds like a fool proof way of getting 'rich'. I'm sure someone has had the same idea as me, maybe even tried it, and because not everyone is doing it I'm guessing it did not work out very well. The idea is to make money on small ch...
For the past few years I have been contributing to my company-sponsored 401k just enough to get all of their match, and contributing up-to-the-limit in a Roth IRA. I've now reached the income limits for the Roth IRA (which seems like a good problem to have), which means that starting now I must find some place else ...
Advice on where to put money once I've hit the income limits on Roth IRA?
> Is this amount an adequate starting amount to begin investing with? Yes. You can open an account at a brokerage with this amount. I'm not sure I would invest in individual stocks at this point. > Which services should I use to start buying shares? (Currently my bank offers this service but I'm willing to use...
Here is some context, I’m trying to rebuild my credit. I own a House, I’m financing a car and I have 14 credit cards, 4 of the 14 have been paid off within the past 2 months and have a $0 balance the other 10 on average have 88% of the balance utilized so roughly 12% available credit. I have a First Premier Bank C...
Paid off oldest CC keep it open or close it?
I've had stock options at two different jobs. If you are not getting a significant ownership stake, but rather just a portion of options as incentive to come work there, I would value them at $0. If you get the same salary and benefits, but no stock options at another company and you like the other company better,...
Recently my financial adviser has been talking about my portfolio's "beta". I have also seen beta listed for some investments (for example: http://www.google.com/finance?q=goog). What is a beta and how do I use it?
What is a portfolio/investment beta?
For the past three and a half years (as long as we've had this phone number), we've been getting calls from debt collectors for the person who apparently used to have our number. The collectors don't believe that she doesn't live here, and the only legal way to get them to stop is sending a letter. But as far as I c...
How to get rid of someone else's debt collector?
What are good magazines/publications/newspapers/websites to follow for someone wishing to compare historical performances of index funds, ETFs, managed funds etc? Do I start with my bank's web site and compare performance of its various products?(TD canada trust)
What is the truth behind the saying '99% of the world's millionaires have become rich by doing real estate'? Do you know the original source of the statement?
Is there any truth to the saying '99% of the world's millionaires have become rich by doing real estate'?
What are good magazines/publications/newspapers/websites to follow for someone wishing to compare historical performances of index funds, ETFs, managed funds etc? Do I start with my bank's web site and compare performance of its various products? (TD Canada Trust)
Resources for comparing mutual fund and ETF historical performance?
From a document about 2011 taxes,I came across this line: For 2011, the income thresholds, personal amounts, and tax reduction amounts are indexed. They have been increased based on changes in the Consumer Price Index. What does it mean when one says : "tax reduction amounts are indexed"?
From a document about 2011 taxes, I came across this line: > For 2011, the income thresholds, personal amounts, and tax reduction amounts are indexed. They have been increased based on changes in the Consumer Price Index. What does it mean when one says : "tax reduction amounts are indexed"?
What is the meaning of 'indexing' something?
First, if it's just about the income limit, you can deposit to a regular IRA and soon after (like next day) convert it to a Roth. So long as you have no pretax IRA money out there, there will be no tax consequence, a cent on a day's interest, perhaps. As far as the 401(k) goes, are the options any good? Some 401(k)...
First, if it's just about the income limit, you can deposit to a regular IRA and soon after (like next day) convert it to a Roth. So long as you have no pretax IRA money out there, there will be no tax consequence, a cent on a day's interest, perhaps. As far as the 401(k) goes, are the options any good? Some 401(k)...
I received a check in March 2011 along with a 2011 1099-R for excess 401K contribution made in Tax year 2010. I am a high-compensated employee, the excess was due to company 401k matching which was credited into the 401K only in March 2011. 1. Can I rollover the excess amount ($5000) to a Traditional IRA, within 6...
Can Excess 401K contribution returned with 1099-R be Rollover to Traditional IRA ?
assume that there is a very new island-country called **xland**. they decide to name their currency **xdollar** and there is 1000 xdollars in circulation. the very first foreigner comes and wants to exchange his us dollar to xdollar. how is the rate calculated? is it purely supply-demand? conversely, can the xland's ba...
How is exchange rate calculated?
The question is hypotecial. In a real world, things dont happen this way. The currencies and exchange rates have evolved over a period of time. The rates were initially pegged to Gold Reserves as most countries had Gold to back currencies, which subsequently got changed to US Dollar reserve and today is mostly market...
Can excess 401K contributions returned with 1099-R be rolled over to a Traditional IRA ?
For the past three and a half years (as long as we've had this phone number), we've been getting calls from debt collectors for the person who apparently used to have our number. The collectors don't believe that she doesn't live here, and the only legal way to get them to stop is sending a letter. But as far as I c...
What is Alternative Minimum Tax (AMT) in the U.S.? How does Alternative Minimum Tax get calculated? What conditions are likely to trigger an AMT assessment versus a regular tax assessment? Are there any useful online calculator tools to help determine if one may be subject to an AMT assessment? [1]: http://...
What is value investing? What are the key principles of value investing? Is there evidence indicating whether value investing results in higher returns, or lower risk, compared to other styles of investing?
What is long-term care insurance? How does long-term care insurance work? Who should consider getting long-term care insurance and why?
Can a mortgage payment date be changed? When we closed on our home over 2 years ago, our attorney told us we could call up the lender and they could change our due date to later in the month. Our due date is always the 1st of the mo, with a grace period until the 16th however, my husband gets paid at the end of the mon...
It sounds like you're behind on a payment. Is that the case? Perhaps you could be "ahead" on a payment. If your payment is on the 1st, that's only a few days after your husband gets paid (assuming the last Friday of the month, this would mean the earliest he would get paid is around the 25th). Perhaps you made yo...
For the past three and a half years (as long as we've had this phone number -- a land line), we've been getting calls from debt collectors for the person who apparently used to have our number. The collectors don't believe that she doesn't live here, and the only legal way to get them to stop is sending a letter. Bu...
Can a mortgage payment date be changed? When we closed on our home over 2 years ago, our attorney told us we could call up the lender and they could change our due date to later in the month. Our due date is always the 1st of the mo, with a grace period until the 16th however, my husband gets paid at the end of the mon...
Can a mortgage payment date be changed?
Is the contribution towards employment insurance wasted if I never get fired? i ask this because most life insurances have a policy of a payout at certain intervals . Does anything like that happen for EI?
Sue the debt collectors in small claims court. There are several example stories around the internet, but this is a well written one from the consumerist. If your phone is a cell phone: "it is against the law for a company to leave a pre-recorded message on your cell phone." > In fact, the call frequency ...
Is the contribution towards employment insurance wasted if I never get fired? I ask this because most life insurances have a policy of a payout at certain intervals. Does anything like that happen for EI?
Is the contribution towards employment insurance wasted if I never get fired?
Is the contribution towards Employment Insurance (EI) wasted if I never get fired? I ask this because most life insurances have a policy of a payout at certain intervals. Does anything like that happen for EI?
Is the contribution towards Employment Insurance (EI) wasted if I never get fired?
Is the contribution towards Employment Insurance (EI) wasted if I never get fired, or are my premiums refunded?
For about 5 years now, I have been investing $300-400/month in a so called High Risk mutual fund. I started just before the crash, and have weathered it. Today it's value is 102% of growth. I have essentially 3 choices 1) keep investing, 2) invest elsewhere, (but leave funds where they are) 3) pull out as defer...
What is a good rule of thumb to determine when to abandon a mutual fund?
For about 5 years now, I have been investing $300-400/month in a so called "high risk" mutual fund. I started just before the crash, and have weathered it. Today it's value is 102% of growth. I have essentially 3 choices: 1. keep investing, 2. invest elsewhere, (but leave funds where they are) 3. pull out as ...
Here is a good rule that I use when deciding to stick with an investment or not. > If you had the cash value of the fund > instead of the actual mutual fund > today, would you use it to buy that > fund? If you can't honestly say you would, then it is time to bail, because that is effectively what you are doing...
For about 5 years now, I have been investing $300-400/month in a so called "high risk" mutual fund. I started just before the crash, and have weathered it. Today its value is 102% of growth. I have essentially 3 choices: 1. keep investing, 2. invest elsewhere, (but leave funds where they are) 3. pull out as d...
It sounds like you have zero in your savings/emergency fund. You cannot afford this house. If in fact, you are living paycheck to paycheck, it only takes one minor expense to put you into late payments. A broken transmission, a new set of tires. Anything. Getting paid at month end you then pay the mortgage due on the 1...
In most professions, it seems that when you change jobs, you are eligible for a hike (at least up to a certain ceiling amount). My question is: 1. Is this a viable long term strategy to become rich? If not, why not? After all, if you change jobs every 2 yrs, and over a 20 yrs period, get an avg 3 % hike for ev...
Interesting idea. This reminds me of the guy who started with a paper clip and traded up to a house (see [here][1]). I think the job switching idea would be an interesting project and could make for a good blog. One downfall may be that employers start to become wary of hiring people who only work at companies for...
"Is this a viable long term strategy to become rich?" Unlikely. "If not, why not?" Reason 1. You will never successfully increase your pay by at least 3% every time, **unless** you fall into the tiny group of individuals that companies fight over. (In the past 20 years, with business experience in several countrie...
"Is this a viable long term strategy to become rich?" Unlikely. "If not, why not?" Reason 1. You will never successfully increase your pay by at least 3% every time, **unless** you fall into the tiny group of individuals that companies fight over. (BTW. People like him don't tend to think in terms of percent...
"Is this a viable long term strategy to become rich?" Unlikely. "If not, why not?" Reason 1. You will never successfully increase your pay by at least 3% every time, **unless** you fall into the tiny group of individuals that companies fight over. (BTW. People in that group don't tend to think in terms of pe...
I'm a non-US resident alien, considering to invest in either commission-free ETFs and Mutual Funds offered by TD Ameritrade. According to The American Jobs Creation Act of 2004, certain type of dividends from dividends are exempted from the 30% tax withholding. Does this apply to ETFs as well?
The reason banks charge fees for wires, is because the Federal Reserve charges banks to send the wires. The Fed charges the banks a hefty fee, so the banks have to charge you a hefty fee to make up for it. Any time any business gives you a service for free, its because they think they can make more money off of som...
It sounds like you have zero in your savings/emergency fund. You cannot afford this house. If in fact, you are living paycheck to paycheck, it only takes one minor expense to put you into late payments. A broken transmission, a new set of tires. Anything. Getting paid at month end you then pay the mortgage due on the 1...
Should I get a credit card if i don't have one?
Does anyone know what the UK tax code MI means?
The question is hypothetical. In the real world, things don't happen this way. The currencies and exchange rates have evolved over a period of time. These rates were initially pegged to Gold Reserves (as most countries had Gold to back currencies), which subsequently got changed to US Dollar reserve, and today is m...
Is it "M1" after your normal tax code, rather than a bare "MI"? If so, it means that your tax is calculated on a month-by-month basis rather than taking into account your earnings and tax paid in the tax year up to this point.
In most professions, it seems that when you change jobs, you are eligible for a pay hike (at least up to a certain ceiling amount). My questions are: 1. Is this a viable long term strategy to become rich? If not, why not? After all, if you change jobs every 2 yrs, and over a 20 yrs period, get an average 3 % hik...
Changing jobs as a strategy to build a good income?
How to plan in a budget for those less frequent but mid-range expensive buys?
Dividends and tax withholding for ETF vs Mutual Fund for U.S. Non-Resident Alien?
"why does an employer agree to pay someone a raise simply because he is changing?" You are thinking about this the wrong way. People (usually) change jobs when they are offered a pay raise. So while you find that job change is associated with a pay raise, it's because people accepted the new jobs in which they got m...
> **Possible Duplicate:** > [Do I even need credit cards?](http://money.stackexchange.com/questions/4107/do-i-even-need-credit-cards) <!-- End of automatically inserted text --> Should I start using a credit card or it's something like a loan, which is generally bad and you shouldn't make it if possible. Please a...
Personally I solve this by saving enough liquid capital (aka checking and savings) to cover pretty much everything for six months. But this is a bad habit. A better approach is to use budget tracking software to make virtual savings accounts and place payments every paycheck into them, in step with your budget. The ...
For about 5 years now, I have been investing $300-400/month in a so called "high risk" mutual fund. I started just before the crash, and have weathered it. Today its value is 102% of book. I have essentially 3 choices: 1. keep investing, 2. invest elsewhere, (but leave funds where they are) 3. pull out as def...
In most professions, it seems that when you change jobs, you are eligible for a pay hike (at least up to a certain ceiling amount). My questions are: 1. Is this a viable long term strategy to become rich? If not, why not? After all, if you change jobs every 2 yrs, and over a 20 yrs period, get an average 3 % hik...
I recently came across the concept of post-paid credit cards. Although the name is nonsensical (there is no credit if it is postpaid), I find it quite interesting, since Credit Cards are a necessity in online purchases and traveling abroad. In these circumstances there are risques involved if your cc details are obtain...
What is a good post paid credit card?
I recently came across the concept of prepaid credit cards. Although the name is nonsensical (there is no credit if it is postpaid), I find it quite interesting, since Credit Cards are a necessity in online purchases and traveling abroad. In these circumstances there are risques involved if your cc details are obtained...
What is a good prepaid credit card?
The US mint produces several gold coins. The two that are produced each year are the American Buffalo, which is 24k gold, and the (much older) American Gold Eagle, which is 22k. Both coins are bullion coins minted in specific fraction of Troy ounces (1 oz to 1/10 oz), although they also bear a face value, which is mu...
Zephyr, Did you see something specific regarding a claim of money saved through observance of the Earth Hour event? The organisers maintain it is about raising awareness of climate change issues - I can't find anything from them regarding saving money/have never seen anything. You could take the claims regarding ...
Zephyr, Did you see something specific regarding a claim of money saved through observance of the Earth Hour event? The organisers maintain it is about raising awareness of climate change issues - I can't find anything from them regarding saving money/have never seen anything. You could take the claims regarding ...
Zephyr, Did you see something specific regarding a claim of money saved through observance of the Earth Hour event? The organisers maintain it is about raising awareness of climate change issues - I can't find anything from them regarding saving money/have never seen anything. You could take the claims regarding ...
Taken from Standard Chartered's 2010 full year web print final ![Standard charted 2010 annual report][1] [1]: https://i.stack.imgur.com/x5T3Z.png My questions are: 1) What are the 'C's referring to? Eg. c.400 c.350 etc. 2) What are WB and CB? 3) What's BAU? 4) Why is Regulatory settlements in blu...
What is expense growth in this diagram?
Are there good ways for an Indian company to wire money to an individual in Mainland China?