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If there's no volume discount, does buying in bulk still make sense?	[ "As with everything else, it's a question of trade-offs. Pros For Buying In Bulk Cons For Buying In Bulk Inventory cost. You need to purchase more shelving/cupboards to stock the goods. This is a real cost. The psychological effect of having more means you are more likely to use more, thus costing you more. Deflat...	[ "Great question. There are several reasons; I'm going to list the few that I can think of off the top of my head right now. First, even if institutional bank holdings in such a term account are covered by deposit insurance (this, as well as the amount covered, varies geographically), the amount covered is generally...
Looking for a stock market simulation that's as close to the real thing as possible	[ "Thinkorswim's ThinkDesktop platform allows you to replay a previous market day if you wish. You can also use paper money in stocks, options, futures, futures options, forex, etc there. I really can't think of any other platform that allows you to dabble around in so many products fictionally. And honestly, if all ...	[ "I would go with the family route if I was you. And i think many other people would if they were fortunate to have such a great option. This will allow you to move faster when your trying to buy a new house because you can easily get a mortage if you see a stellar deal. Also you can establish credit in much cheape...
Are stock purchases on NASDAQ trackable to personal information?	[ "In the United States, when key people in a company buy or sell shares there are reporting requirements. The definition of key people includes people like the CEO, and large shareholders. There are also rules that can lock out their ability to buy and sell shares during periods where their insider knowledge would ...	[ "Almost everyone needs an insurance, you should also probably buy it. If you are good at planning [which it seems from your question], you should stick to Pure \"Term\" insurance and avoid any other types / variants of CVLI. CVLI is only advisable if one cannot commit to investing or is not good at saving money, o...
Why do some companies (like this company) have such a huge per share price?	[ "Simple answer is because the stocks don't split. Most stocks would have a similar high price per share if they didn't split occasionally. Why don't they split? A better way to ask this is probably, why DO most stocks split? The standard answer is that it gives the appearance that stocks are \"cheap\" again and en...	[ "If you have the ability to pay online with a guaranteed date for the transaction, go for it. My bank will let me pay a bill on the exact date i choose. When using the mail, of course, this introduces a level of risk. I asked about rates as the US currently has a near zero short term rate. At 3.6%, $10,000, this i...
Why would someone want to buy an option on the day of expiry	[ "Yes there will be enough liquidity to sell your position barring some sort of Flash Crash anomaly. Volume generally rises on the day of expiration to increase this liquidity. Don't forget that there are many investment strategies--buying to cover a short position is closing out a trade similar to your case." ]	[ "Your logic breaks down because you assume that you are the only market participant on your side of the book and that the participant on the other side of the book has entered a market order. Here's what mostly happens: Large banks and brokerages trading with their own money (we call it proprietary or \"prop\" trad...
How is unmarketable stock valued for tax purposes?	[ "How you are taxed will depend on what kind of stock awards they are. The value will be determined by the company that issues it, and appropriate tax forms will be sent to you to include with your taxes. The way the value is determined is an accounting question that is off-topic here, but the value will be stated o...	[ "I've used PayPal for my business for a long time. Sometimes PayPal doesn't trust credit cards. Debit or direct bank transfer are reliable. There is also a charge for using a credit card but I don't think that is the reason. You may be trying to purchase a high value item. That would be a possible reason why PayPal...
TDAmeritrade Quote Summary TREE vs APRN	[ "I suspect this is related to the fact that Blue Apron completed its IPO very recently and insider shares are likely still under a lockup period. So in the case of APRN stock only the 30mm shares involved in the IPO are trading until the insider lockup expires which is usually about 90 days." ]	[ "As I understand it the basic premiss of a HOA is to ease communication between neighbors and help work towards common community goals. As I understand it the reality is that the HOA works to keep the community homogenous so there are no \"sore thumb\" neighbors. As to why look for one or avoid one. If you woul...
Should I pay more than 20% down on a home?	[ "The more you put down now, the less money you are borrowing. 30yrs of interest adds up. Even paying a small amount at the beginning of the mortgage can turn into a huge savings over the life of the loan. That's why you'll find advice to make extra mortgage payments in the beginning. The question is: Do you have ...	[ "Certainly sounds worthwhile to get a CPA to help you with setting up the books properly and learning to maintain them, even if you do it yourself thereafter. What's your own time worth?", "Capital One 360. No minimums balance, no fees. Everything's online. Make deposits using an app or an image of the check. ATM...
Making money through CFD	[ "What is being described in Longson's answer, though helpful, is perhaps more similar to a financial spread bet. Exactly like a bookmaker, the provider of a spread bet takes the other side of the bet, and is counter party to your \"trade\". A CFD is also a bet between two parties. Now, if the CFD provider uses a ma...	[ "When I bought my own place, mortgage lenders worked on 3 x salary basis. Admittedly that was joint salary - eg you and spouse could sum your salaries. Relaxing this ratio is one of the reasons we are in the mess we are now. You are shrewd (my view) to realise that buying is better than renting. But you also sh...
Why invest for the long-term rather than buy and sell for quick, big gains?	[ "There are people (well, companies) who make money doing roughly what you describe, but not exactly. They're called \"market makers\". Their value for X% is somewhere on the scale of 1% (that is to say: a scale at which almost everything is \"volatile\"), but they use leverage, shorting and hedging to complicate th...	[ "Tell your employer during your initial contract Terms of Service discussions. Ordinarily, this is boilerplate but you should ask for a rider in your contract which says - in some form - I already have IP, I will continue to work on this IP in my own time, and any benefit or opportunity derived from this IP will c...
Would it be considered appropriate to use a market order for my very first stock trade?	[ "Obvious answer but the limit order should be set at the price that you are willing to pay :). More usefully, if you want a decent chance of the order filling in short notice you should place the order one price tick above the current highest buyer (bid price). As long as high frequency trading remains alive I woul...	[ "Extended illness/disability that prevents you from being able to work. Edit: Leigh Riffel: So, why should this be expected, and how should it be planned for? Some of us may be fortunate enough that this never happens, but I've known enough unlucky people to have seen that it can and does happen. Prepare for it wit...
Will a credit card issuer cancel an account if it never incurs interest?	[ "Remember, the card company gets a percentage at the time of purchase, as well as any interest you let them collect from you. Yes, they're still making a profit on our accounts, and they can always hope that at some point we'll run up a high enough bill to be willing to pay some interest. They may kill completely i...	[ "While it's not true that you have to use leverage to participate in Forex, the alternative makes it impractical for most people to be able to do so. You need to be able to put a lot of money into it in order to not trade on leverage. The fact is, most accounts for \"normal\" people require leverage because the si...
What's the best application, software or tool that can be used to track time?	[ "I've been using Tick at work now for several months and have really enjoyed it. It's got a nice, simple interface with good time-budgeting and multi-user/project features. It can be used on several platforms, too (website, desktop widgets, and phone apps)." ]	[ "Having thought about it, I decided to start with another book by the same author : \"The Interpretation of Financial Statements\". I do not have a sufficiently strong basis to know what either \"The Intelligent Investor\" or \"Security Analysis\" are even about. Yeah, I might understand things, but I wouldn't gras...
Can stock market gains be better protected under an LLC arrangement?	[ "The thing you get wrong is that you think the LLC doesn't pay taxes on gains when it sells assets. It does. In fact, in many countries LLC are considered separate entities for tax properties and you have double taxation - the LLC pays its own taxes, and then when you withdraw the money from the LLC to your own ac...	[ "This is just a pedestrian (my) opinion: Yes, It is wise to invest in bond funds even in a low interest environment. Check out the lazy man's portfolio on bogleheads. The reason is:", "I'm going to diverge from most of the opinions expressed here. It is common for financial advisors to assume that your portfolio ...
How are Canada Universal Child Care Benefit (UCCB) & related tax measures changing in 2015?	[ "The Child Care Expense Deduction (line 214) dollar limits will each increase by $1000, to new amounts of $8000 for children under 7 and $5000 for children age 7–16. Notes: As a tax deduction, your tax liability gets reduced at your marginal income tax rate, not the lowest tax rate (as would be the case for a tax c...	[ "There are several reasons it is not recommended to trade stocks pre- or post-market, meaning outside of RTH (regular trading hours). Since your question is not very detailed I have to assume you trade with a time horizon of at least more than a day, meaning you do not trade intra-day. If this is true, all of the a...
As an investor what are side effects of Quantitative Easing in US and in EU?	[ "Well if your looking to explain inflation to children, I would use this example. Take two fruits they like IE: Apples and Oranges. Give them both 2 of each. Ask them how many of your apples would you give for 1 orange and how many apples would you want to get 1 orange(most likely they will say 1). Now give them 5 ...	[ "There are two basic types of lines of credit typically offered at a retail bank: Overdraft line of credit is essentially a revolving personal loan that you can draw upon as needed or automatically draw on when you overdraw on your checking account. Typically with a commercial bank there is a fee to use the automat...
Renting from self during out of area remodel project - deductible?	[ "There are certain situations where you could legally pay yourself rent, but it'd be in the context of multiple business entities interacting, never in the context of an individual renting their own property. Even if you could, any rent paid to yourself would count as rental income, so there'd be no benefit. Edit:...	[ "Despite Buffett's nearly perfect consistent advice over the past few decades, they don't reflect his earliest days. His modern philosophy seemed to solidify in the 1970s. You can see that Buffett's earliest days grew faster, at 29.5 % for those partners willing to take on leverage with Buffett, than the last half...
What is the term for the quantity (high price minus low price) for a stock?	[ "It is known as the range or the price spread of the stock. You can read more about it here http://www.investopedia.com/terms/r/range.asp" ]	[ "You can have a look at betabrokers. It's an simulated stock trading platform which is entirely email-based. You start with 10 000$ and you make transactions with commands in the subject line of the email (e.g. \"buy 250$ AAPL\" or \"cover 20 shares of AAPL\"). It should be straightforward to add an email interface...
Can I transfer my Employee Stock Purchase Plan assets to a different broker?	[ "I have an ESPP with E*Trade; you can transfer stock like that via a physical (paper) asset-transfer form. Look for one of those, and if you can't find it, call your brokerage (or email / whatever). You own the shares, so you can generally do what you want with them. Just be very careful about recording all the pur...	[ "The point of short-selling as a separate instrument is that you can you do it when you can't sell the underlying asset... usually because you don't actually own any of it and in fact believe that it will go down. Shorting allows you to profit from a falling price. Another (non-speculative) possibility is that you ...
Why don't SPY, SPX, and the e-mini s&p 500 track perfectly with each other?	[ "What you should compare is SPX, SPY NAV, and ES fair value. Like others have said is SPX is the index that others attempt to track. SPY tracks it, but it can get a tiny bit out of line as explained here by @Brick . That's why they publish NAV or net asset value. It's what the price should be. For SPY this wil...	[ "Standard options are contracts for 100 shares. If the option is for $0.75/share and you are buying the contract for 100 shares the price would be $75 plus commission. Some brokers have mini options available which is a contract for 10 shares. I don't know if all brokers offer this option and it is not available on...
What are some valuable sources for investment experience, when there is very little to no money to start with?	[ "Fake stock market trading may teach you about trading, which isn't necessarily the same thing as investing. I think you need to understand how things work and how to read financial news and statistics before you start trading. Otherwise, you're just going to get frustrated when you mysteriously win and lose funny ...	[ "The price at which a stock was purchased is a sunk cost--that is, you cannot go back in time and reverse the decision you made to purchase that stock. Another example of a sunk cost would be purchasing a non-refundable, non-transferable movie ticket. Sunk costs have the tendency to create a cognitive bias in whi...
Has anyone created a documentary about folks who fail to save enough for retirement?	[ "To answer your question, Retirement Revolution may fit the bill to some extent. I'd also like to address some of the indirect assumptions that were made in your bullet points. I'm convinced that the best way to overcome this is not simply to hold down a good job with COLAs every year, max out your IRA accounts an...	[ "A Roth IRA is just an account wrapper. Inside a Roth IRA you can have a plain 0.1% savings account, or a brokerage account, or an annuity or whatever. There's no rate of return for a Roth IRA. That particular calculator seems to assume you'll be wrapping a brokerage account in a Roth IRA and investing in the sto...
How should my brother and I structure our real estate purchase?	[ "We’re buying the home right over $200,000 so that means he will only need to put down (as a ‘gift’) roughly $7000. I'm with the others, don't call this a gift unless it is a gift. I'd have him check with the bank that previously refused him a mortgage if putting both of you on a mortgage would allay their concer...	[ "If you have self-employment income you can open a Solo 401k. Your question is unclear as to what your employment status is. If you are self-employed as an independent contractor, you can open a Solo 401k. You can still do this even if you also earn non-self-employment income (i.e., you are an employee and recei...
How to decide on split between large/mid/small cap on 401(k) and how often rebalance	[ "One other thing to consider, particularly with Vanguard, is the total dollar amount available. Vanguard has \"Admiralty\" shares of funds which offer lower expense ratios, around 15-20% lower, but require a fairly large investment in each fund (often 10k) to earn the discounted rate. It is a tradeoff between sli...	[ "I'm not sure if there are nuances between countries and appreciate your question is specifically about the US, but in the UK, mobile phone contracts, including SIM only, as seen by the chat in this experion website chat shows that mobile contracts are included in credit ratings for 6 years.", "You don't say your...
Clarification of Inflation according to Forbes	[ "I think you're missing Simon Moore's point. His point is that, due to low inflation, the returns on almost all asset classes should be less than they have been historically, so we shouldn't rebalance our portfolio or withdraw from the market and hold cash based on the assumption that stocks (or any other asset) se...	[ "Accepting cash isn't free to the merchant's either. It needs to be counted, reconciled, stored, and taken to the bank each day. There is a certain amount that needs to be on-hand, not in the bank earning interest. There is more of a worry about employees taking cash from the register. There is the chance of ina...
Which Roth IRA is the best for a 21 year old who has about $1500?	[ "You're young. Build a side business in your spare time. Invest in yourself. Fail a few times when you have some time to recover financially. Use the money that you would have let sit in some account and develop your skills, start up an LLC, and build up the capacity to get some real returns on your money. Be a ...	[ "The \"price\" is the price of the last transaction that actually took place. According to Motley Fool wiki: A stock price is determined by what was last paid for it. During market hours (usually weekdays from 9:30AM-4:00PM eastern), a heavily traded issue will see its price change several times per second. A stock...
Do I need to pay Income Tax if i am running a escrow service in India	[ "This may be closed as not quite PF, but really \"startup\" as it's a business question. In general, you should talk to a professional if you have this type of question, specifics like this regarding your tax code. I would expect that as a business, you will use a proper paper trail to show that money, say 1000 un...	[ "I would suggest to buy your own printer, and calculate the cost for a page including the wear to the printer. Then either deduce these printing expenses, or ask the charity to reimburse you. This is not much different than when you would go to a copyshop, those easily charge 10-30c per page, with your own printer ...
Does Joel Greenblatt's "Magic Formula Investing" really beat the market?	[ "While it is true that this formula may have historically outperformed the market you have to keep one important thing in mind: once the formula is out in the open, the market inefficiency will disappear. Here is what I mean. Historically there have always been various inefficiencies in the market structure. Some p...	[ "There are quite a few online brokers ... All of these have different pricing structure and the right one would depend on the amount of & type of trading you are doing, for example Reliance Money offer 1 paise brokrage, but with a higer anual fees, so it makes sense if you are doing delivery trades and not IPO or D...
Who can truly afford luxury cars?	[ "It very much depends on whether you want to drive around in an expensive car, or whether you want an expensive car parked on your driveway. And whether you want to buy a new car, or a used one. And whether you know a reliable garage that doesn't rip you off or not. For example, if my wife who drives maybe 5,000 m...	[ "Its best to dollar cost average adding say 5%-10% a quarter into the fund. That's what Clark Howard would suggest. Also make sure you do not need the money for 5 years, then you should be okay. Its tough to lose money if you keep your money there for a long period of time.", "When you invest in a single index...
What are the implications of a corporate stock repurchase or share buyback program?	[ "Ignoring taxes, a share repurchase has exactly the same effect on the company and the shareholders' wealth as a cash dividend. In either case, the company is disbursing cash to its shareholders; in the former, in exchange for shares which shareholders happen to be selling on the market at the time; in the latter, ...	[ "This is how a consulting engagement in India works. If you are registered for Service Tax and have a service tax number, no tax is deducted at source and you have to pay 12.36% to service tax department during filing (once a quarter). If you do not have Service tax number i.e. not registered for service tax, the c...
Can the Philadelphia Center City District Tax be deducted on my Schedule-A?	[ "My basic rule of thumb is that if the the bill come from a government office of taxation, and that if you fail to pay the amount they can put a tax lien on the property it is a tax. for you the complication is in Pub530: Assessments for local benefits. You cannot deduct amounts you pay for local benefits that t...	[ "Indefinitely is easy to answer. Assume that the average house currently costs four times the average salary, and that house prices rise 1% faster than salaries indefinitely. Then in only 1,000 years' time, the average house will cost around 84,000 times the average salary. In 10,000 years, it will be 6.5*10E43 tim...
What is the difference between "good debt" vs. "bad debt"?	[ "All very good answers for the most part, but I have a definition for Good and Bad debt which is a little bit different from those mentioned here so far. The definitions come from Robert Kiyosaki in his book \"Rich Dad Poor Dad\", which I have applied to all my debts. Good Debt - Good Debt is debt used to fund a mo...	[ "Investopedia states: While early exercise is generally not advisable, because the time value inherent in the option premium is lost upon doing so, there are certain circumstances under which early exercise may be advantageous. For example, an investor may choose to exercise a call option that is deeply in-...
Can my spouse be the primary signer on my car's loan?	[ "Go to your local bank or credit union before talking to a dealership. Ask them if putting both names on the loan makes a difference regarding rates and maximum loan you qualify for. Ask them to run the loan application both ways. Having both names on the loan helps build the credit of the spouse that has a lower s...	[ "It seems that you're interested in an asset which you can hold that would go up when the gold price went down. It seems like a good place to start would be an index fund, which invests in the general stock market. When the gold market falls, this would mainly affect gold mining companies. These do not make up a si...
If I have no exemptions or deductions, just a simple paycheck, do I HAVE to file taxes?	[ "As a Canadian resident, the simple answer to your question is \"yes\" Having worked as a tax auditor and as a Certified Financial Planner, you are required to file an income tax return because you have taxable employment income. All the employer is doing is deducting it at source and remitting it on your behalf. T...	[ "The OP might have obtained his credit card by now but I'm answering now as there is one more easy way to get a credit card. All major Indian banks like SBI, ICICI, HDFC and Axis issue instant credit cards on opening a FD (Fixed Deposit). For instance ICICI offers one for FD amount of as less as ₹20000. The credit...
Historical company performance data	[ "Morningstar has that 10 history at http://financials.morningstar.com/ratios/r.html?t=JNJ&region=usa&culture=en-US" ]	[ "I live in Kenya, and also here we have corruption. However, we use EFT, RTGS, Mobile Money and its more safe than cheques. Beware, that paper based payments cost you way more than anything electronic. Often the bank charge you for the cheque book, they charge for receiving paper based payment instruments, and sett...
Who performs the blocking on a Visa card?	[ "The request to block the money is made by the Party who sells the product. Based on this request the Bank blocks the funds. Subsequently the Party who sold the product makes a charge against this block. Just to give an easy example; So in the online train booking there are multiple messages sent between the Bank a...	[ "Yes, you may deduct the cost of building the \"noise cancellation system\" :) sorry couldn't resist. But seriously, yes you can deduct it ONCE (unless you have more cost maintaining it) and its on line 19 (Repairs and maintenance) of IRS Form 8829.", "The essence of hedging is to find an investment that performs...
Debt collector has wrong person and is contacting my employer	[ "Debt collectors are just doing their job as many people want to evade payment by not responding and skipping their debts, and they talk tough to force people found to make their obligated payments based on what they can afford and that’s all. I’m in the UK, but I assume the process is similar. Before I begin, I ...	[ "Software or any online service fits this category I suppose. There are two apps I pay for that are \"free.\" Evernote and Pandora. Evernote is free for 40MB, $45/yr for 500MB/mo transfer. Pandora is free for 40hrs/mo, $36/yr unlimited. When I use a free product and hit the limit it's a sign to me that I value th...
What's the most conservative split of financial assets for my portfolio in today's market?	[ "The safest place to put money is a mixture of cash, local municipal bond funds with average durations under two years and US Treasury bond funds with short durations. Examples of good short term US municipal funds: I'm not an active investor in Australian securities, so I won't recommend anything specific. Becaus...	[ "I am going to add just one more item to what are some very well thought out answers. The element of \"Cash Out\" If you are taking out 80% of the value of the home that you already own free and clear the bank considers this a \"Cash Out\" transaction - meaning you would effectively walk away from closing with a ch...
How to share income after marriage and kids?	[ "I started this off as a comment to Joe's answer, but it got rather messy in that form so I'll just post it as a separate answer instead. I suggest that you read Joe's answer first. I believe you are overthinking this. First, you really should be discussing the matter with your girlfriend. We can provide suggestion...	[ "Stating poor estimates in advance will lower your share price to compensate for thge extras boost it gets later ... And may run afoul of stock manipulation laws. More pain than gain likely.", "Read the book, \"Slicing Pie: Fund Your Company Without Funds\". You can be given 5% over four years and in four years, ...
Formula for recalculation of a bad loan, i.e. where payments were missed?	[ "There's not quite enough to answer the question in full. For the two years of non-payment, were there any penalties, or just accrued interest? If no penalties, this is a 3 step time-value-of-money calculation. First, take the terms of the loan and figure out the balance after 5 years. Second, for two years, incre...	[ "It is not necessary that the mutual fund pays out the dividend. The money would be used to buy more shares of the same stock or of some other stock depending on overall policy goal of the fund and current allocation of funds. This would increase the NAV of the mutual fund and hence its indirectly comes to you once...
Is it legal if I'm managing my family's entire wealth?	[ "Aside from the fact that there are massive problems with taxes, liability, fiduciary responsibility, and (assuming you're accepting any sort of compensation at all) licensing. The mere fact that you're asking this question indicates that you're probably not suitably qualified to handle this for others. Why not hav...	[ "Your broker likely didn't close your position out because it is a covered position. Why interfere with a trade that has no risk to it, from their perspective? There's no risk for the broker since your account holds the shares available for delivery (definition of covered), for if and when the options you wrote (so...
Is it bad etiquette to use a credit or debit card to pay for single figure amounts at the POS	[ "Personally, I think it's a bad practice, because ultimately using cards for such minuscule transactions raises costs for everyone, especially at merchants whose average transaction is small. How does carrying cash improve your personal security? If someone is going to mug you, they do not know in advance whether y...	[ "A $10,000 life insurance policy on a child only makes sense for a family that: Thus, it could make sense: Many families are in this financial situation. A family in the combination of this financial situation and this emotional situation might be well served to seek religious counsel. If they find ways to rememb...
I'm 23 and was given $50k. What should I do?	[ "I would be realistic and recognize that however you invest this money, it is unlikely to be a life-changing sum. It is not going to provide an income which significantly affects your monthly budget, nor is it going to grow to some large amount which will allow you to live rent-free or similar. Therefore my advice ...	[ "There's not a single answer here, as the premium you pay for car insurance depends on multiple factors, including (but not limited to): All these factors contribute to the likelihood of getting into an accident, and the expected damage from an accident. So just having an accident and making a claim will likely ra...
Why do 10 year-old luxury cars lose so much value?	[ "There is usually a bunch of reasons for this, some psychological and some entirely practical. Let's start with the latter: If I wanted an older luxobarge, I'd buy something from the early to mid 1990s in good condition. These cars tend to be a little less complex and thus a little easier to repair, plus you can fi...	[ "I would be very cautious about investing any more funds into the S&P500 at this stage. You are quite correct in your observation with the charts regarding the 2001 and 2008 crashes, and below is the chart of the S&P500 over the last 20 years with some indicators on it. The green line on the price chart is the 100...
What is the easiest way to back-test index funds and ETFs?	[ "Back-testing itself is flawed. \"Past performance is no guarantee of future results\" is an important lesson to understand. Market strategies of one kind or another work until they don't. Edited in -- AssetPlay.net provides a tool that's halfway to what you are looking for. It only goes back to 1972, however. Jus...	[ "Anyone can walk into a bank, say \"Hi, I'm a messenger, I have an endorsed check and a filled out deposit slip for Joe Blow who has an account here, please deposit this check for him, as he is incapacitated. Straight deposit.\" They'll fiddle on their computer, to see if they can identify the deposit account defi...
Why buy insurance?	[ "There are many situations where injecting a certain amount of cash at the right time may reap rewards far in excess of the value of the cash injected. For example, if someone who needs a car to get to work gets in a wreck and that person does not have ready money to make it driveable may have no choice but to secu...	[ "I think you need to define what you mean by \"buy currency online using some online forex trading platform\" ... In large Fx trades, real money [you mean actual electronic money, as there is not paper that travels these days]... The Fx market is quite wide with all kinds of trades. There are quite a few Fx trans...
How does a public company issue new shares without diluting the value held by existing shareholders?	[ "In simplest terms, when a company creates new shares and sells them, it's true that existing shareholders now own a smaller percentage of the company. However, as the company is now more valuable (since it made money by selling the new shares), the real dollar value of the previous shares is unchanged. That said,...	[ "I don't know if I would go so far as to hire an accountant. None of those things you listed really complicates your taxes all that much. If you were self-employed, started a business, got a big inheritance, or are claiming unusually large deductions, etc. then maybe. The only thing new from your post seems to be t...
Are credit histories/scores international?	[ "It's not just that credit history is local; it's that it's a private business run for profit. The \"big three\" credit bureaus in the US are Experian, Equifax and Transunion. They collect information on debt usage and abuse from various companies in the US, and charge a fee to provide that information (and their ...	[ "It's easiest to get your payment from the PMT function in Excel or Google Sheets. So a $100,000 30 year mortgage at 3% looks like this: The basic calculation is pretty simple. You take the annual interest rate, say 3%, divided by 12, times the existing principal balance: The idea is that borrowers would like to ...
How can I save money on a gym / fitness membership? New Year's Resolution is to get in shape - but on the cheap!	[ "I came across an article posted at Squawkfox last week. It's particularly relevant to answering this question. See 10 Ways to Cut Your Fitness Membership Costs. Here's an excerpt: [...] If you’re in the market for a shiny new gym membership, it may be wise to read the fine print and know your rights bef...	[ "I am going to add in an opinion here from the Wall Street Journal that I read this morning in What's at Stake in the Greek Vote, in light of current events and elections in Greece. The article claims that if the election results make it sound like a break from the Euro is imminent then ... we will see a full-fledg...
Can extra mortgage payments be made to lower the monthly payment amount?	[ "Typically, this is not an option, as the monthly payments are fixed. It depends on the willingness of your financing bank for such a change. You probably will have to refinance (with them or another lender); which is not a bad thing, as you even can get a lower interest rate potentially (as of Jan 2017 - this will...	[ "It sounds like you are describing \"seller-financed\" mortgages (also sometimes called \"self-financed\", where \"self\" is the seller). In essence the buyer and seller enter into a legal contract (a promissory note) that specifies the payment schedule, interest rate, etc. The nature of the agreement is similar ...
At what damage amount should I pursue a homeowner's insurance claim?	[ "Some builders -- if given the first chance to deal with the problem, instead of being presented with a bill after the fact -- will fix the problem at no charge to the homeowner. Good faith matters. My house was built by such a builder. If I have a problem that I am competent enough to diagnose and fix, I fix it ...	[ "Exxon Mobil is one of the most profitable corporations in the world. Their annual earnings are typically in the $10s of billions of dollars. They have revenues in the hundreds of billions of dollars per year. They also return $10+ billion dollars to their stockholders each year in dividends and stock purchases....
What are the differences between an investment mortgage and a personal mortgage?	[ "It's just a guess, as I'm from the UK and am unfamiliar with the term \"investment\" mortgage but is it one where you are buying the property in order to rent it out, and make money from it, rather than to live in? In the UK we call those \"buy to let\" mortgages and one of the main differences is that you have to...	[ "I suggest you buy a more reasonably priced car and keep saving to have the full amount for the car you really want in the future. If you can avoid getting loans it helps a lot in you financial situation.", "AFAIK gillet and hicks received massive loans to fund their purchase and they have not been keeping up the...
Pros/cons of borrowing money using a mortgage loan and investing it in a low-fee index fund?	[ "Something very similar to this was extremely popular in the UK in the late 1980s. The practice has completely vanished since the early 2000s. Reading up on the UK endowment mortgage scandals will probably give you an excellent insight into whether you should attempt your plan. Endowment mortgages were provided b...	[ "In the normal course of events, you should receive a separate check for the amount of the purchase, and that amount should not be included in your wages as shown on your W-2 statement. If the amount is included on your paycheck, it should still be listed separately as a non-taxable item, not as part of wages paid...
Should I avoid credit card use to improve our debt-to-income ratio?	[ "If you pay it off before the cycle closes it will look like you have 100% available credit. So if you credit card statement closes on the 7th pay it off on the 6th in full don't pay it when its due 2/3 weeks later. Then after three months of doing that your credit score will go up based on the fact that your deb...	[ "There are two main ways you can make money through shares: through dividends and through capital gains. If the company is performing well and increasing profits year after year, its Net Worth will increase, and if the company continues to beat expectations, then over the long term the share price will follow and i...
Question about dividends and giant companies [duplicate]	[ "Dividends are a way of distributing profits from operating a business to the business owners. Why would you call it \"wasting money\" is beyond me. Decisions about dividend distribution are made by the company based on its net revenue and the needs of future capital. In some jurisdictions (the US, for example), th...	[ "If the call is in the money and you believe the reason for the price jump was an overreaction with a pullback on the horizon or you anticipate downward movement for other reasons, I will roll (sometimes for a strike closer to at the money) as long as the trade results in a net credit! You already have the statis...
Investment time horizon: When is it acceptable to withdraw money from investments?	[ "To summarize your starting situation: You want to: Possible paths: No small business Get a job. Invest the 300K in safe liquid investments then move the maximum amount each year into your retirement accounts. Depending on which company you work for that could include 401K (Regular or Roth), deductible IRA, Roth IR...	[ "If you are going to live in the house for awhile, you can probably use a regular mortgage. Shop around and look for a mortgage program that works. Look at local banks/credit unions, particularly those with community development programs. Usually an investment mortgage is higher rate, higher payment and has higher...
How to avoid getting back into debt?	[ "First, you've learned a very good lesson that quite a few people miss out on: notice how easy it is to get out of debt when you get a windfall of money? The trouble is that if a person doesn't have the behavior to maintain their position, they will end up in the same place. Many lottery winners end up being poor...	[ "You can interpret prices in any way you wish, but the commonly quoted \"price\" is the last price traded. If your broker routes those orders, unlikely because they will be considered \"unfair\" and will probably be busted by the exchange, the only way to drive the price to the heights & lows in your example is to ...
Less than a year at my first job out of college, what do I save for first?	[ "I recommend saving for retirement first to leverage compound interest over a long time horizon. The historical real return on the stock market has been about 7%. Assuming returns stay at 7% in the future (big assumption, but don't have any better numbers to go off of), then $8,000 saved today will be worth $119,7...	[ "There is no such thing as buying at the best price. That only exists in hindsight. If you could consistently predict the lower bound, then you would have no reason to waste your time investing. Quit your job and bet with all leverage in. What if the price never reaches your lower bound and the market keeps rallyin...
Long term drip (dividend reinvestment plan) stock	[ "If you sold the stock for a profit, you will owe tax on that profit. Whether it is taxed as short-term or long-term capital gains depends on how long you held the stock before selling it. Presumably you're going to invest this money into mutual funds or something of that sort. Those may pay dividends which can be ...	[ "A reason not to split your stock is that the value of the company might fall back again, and if its stock price falls below $1 it will be delisted from the NYSE. So if the value of your company grows tenfold so the shares go from $5 to $50, you do a ten-for-one split, and then its value shrinks back to where it st...
How much time does a doctor's office have to collect balance from me?	[ "If they had told me that I owe them $10,000 from 3 years ago, I wouldn't have anything to fight back. Why? First thing you have to do is ask for a proof. Have you received treatment? Have you signed the bill when you were done? This should include all the information about what you got and how much you agreed to...	[ "I had a similar situation a while ago, and here's what I learned: What are our options here to ensure that this company can't retry to take our money again via ACH? Close existing account and create a new one that has different account number? Yes. As a temporary solution keep ~$0 balance in the account so that th...
Does it make sense to buy a house in my situation?	[ "I wouldn't buy a house at this time. Your credit card debt is the most expensive thing you have. Which is to say that you want to get rid of it as soon as possible. The lawyer isn't cheap, and your personal situation is not fully resolved. Congratulations on paying off the IRS, and getting up the 401k to 17.5k. T...	[ "Holding pure cash is a problem for 401K companies because they would then have follow banking rules because they would be holding your cash on their balance sheets. They don't want to be in that business. Instead, they should offer at least one option as a cash equivalent - a money market fund. This way the money ...
operating income	[ "Sedar is I guess the Canadian equivalent of EDGAR. You can find the company's filings there. Here's a picture from their filings. Can't post the link, if you go and find the filing through Sedar you'll know why (it's not as nice a site as EDGAR). The 4.8 million is from unrealized gain on biological assets. So th...	[ "Most likely, this will not work they way you think. First things first, to get a loan, the bank needs to accept your collateral. Note that this is not directly related to the question what you plan to do with the loan. Example: you have a portfolio of stocks and bonds worth USD 2 million. The bank decides to give ...
How to properly do background check for future tenant in my own house?	[ "If you can find a tenant by networking -- co-worker, friend of a friend, etc. -- rather than openly advertising, that often gives you a better pool. Side advice: Check what local housing laws apply to renting a room rather than having a housemate. Once you start advertising this you may be subject to fair housing...	[ "ATR really looks at the volatility within the day -- So you would be able to see if the stock is becoming more or less volatile in daily trading. This is often useful for charting and finding entry and exit locations. Traditional historic volatility (as you cited) will give you a look at the long term volatilit...
Equity As Part of Compensation	[ "At the most basic level, the employee is getting a share of ownership in the company and would get a percentage of the sales price. That said, as littleadv alluded to, different share classes have different priorities and get paid in different orders. In a bankruptcy, for example, some classes almost never get pai...	[ "Note: I am not a lawyer. This is my personal opinion and interpretation. First, your source is European Law, which obviously doesn't apply outside of the EU. The EU cannot make laws that bind entities in other countries; so you cannot claim that the VAT was needed to be mentioned. Second, if you owe something, you...
What should I do with $4,000 cash and High Interest Debt?	[ "Every $1,000 you use to pay off a 26% interest rate card saves you $260 / year. Every $1,000 you use to pay off a 23% interest rate card saves you $230 / year. Every $1,000 you put in a savings account earning ~0.5% interest earns you $5 / year. Having cash on hand is good in case of emergencies, but typically if...	[ "My wife and I use a digital form of the envelope system. We call it a budget; we record how much we want to allocate each month to spend--for each category of expense--in a spread sheet. Why use prepaid cards? Why not open a bunch of bank accounts and use debit cards from each if you want to separate the money? Yo...
Do I have to pay a capital gains tax if I rebuy the same stock within 30 days?	[ "Yes. Wash rules are only for losses." ]	[ "Answers here are correct but I'll offer an extremely (overly) simple explanation that should help you in understanding the more detailed answers. When most people own stock they do so through a broker. Unless you jump through some hoops, the broker keeps the shares in the name of the brokerage. This is called h...
How to calculate the price of a bond based with a yield to Maturity, term and annual interest?	[ "The answer to almost all questions of this type is to draw a diagram. This will show you in graphical fashion the timing of all payments out and payments received. Then, if all these payments are brought to the same date and set equal to each other (using the desired rate of return), the equation to be solved is...	[ "There are several reasons why this may happen and I will update as I get more information from you. Volumes on that stock look low (supposing that they are either in a factor between 1s and 1000s) so it could well be that there was no volume on that day. If no trades occur then open, high and low are meaningless a...
Why would you ever turn down a raise in salary?	[ "I would turn down a 20% raise in salary without thinking, if they would offer that I can have a 4 day work week. I even take a 10% cut for this!" ]	[ "Katherine from Betterment here. I wanted to address your inquiry and another comment regarding our services. I agree with JAGAnalyst - it's detrimental to your returns and potential for growth if you try to time the market. That's why Betterment offers customized asset allocation for each portfolio based on the...
High-risk investing is better for the young? Why?	[ "There's two reasons. One is that you have a longer time horizon, other answers cover that. The second is that for someone who is younger, most of their capital is human capital in terms of their future work output (and earnings). If you're 25 and your $20,000 portfolio gets wiped out, that's only a small amount of...	[ "The Dow Jones Industrial Average (DJIA) is a Price-weighted index. That means that the index is calculated by adding up the prices of the constituent stocks and dividing by a constant, the \"Dow divisor\". (The value of the Dow divisor is adjusted from time to time to maintain continuity when there are splits or...
Which US services allow small/micro-payments using a credit card?	[ "I don't know of any and it is unlikely that you will be able to find one. Most credit card processors charge a flat fee plus percentage. The flat fee is typically in the 35 cent range making the cost of doing business, in the manner you are suggesting, astronomical. Also what you are suggesting is contrary to ...	[ "This security looks like it will require patience for it to pay off. The 200 day moving average looks as if it will soon cross over the 20 day moving average. When that happens the security can be said to be in a bull run. http://stockcharts.com/h-sc/ui?s=UWTI&p=D&yr=1&mn=6&dy=0&id=p10888728027 However, this is j...
What could cause a stock to trade below book value?	[ "Discrepancies between what the book value is reported as and what they'd fetch if sold on the open market. Legal disputes in court." ]	[ "There is another drawback, and this is why I keep a low-limit card for online purchases and another for carrying in risky/unfamiliar situations (e.g. travelling) a small limit acts as as damage limitation in the event of theft. In theory you may not be liable if your card is stolen and used. In practice you may b...
Is the very long-term growth of the stock market bound by aggregate net income?	[ "I am a believer in that theory. My opinion is that over the long term, we can expect 25% of income to reflect the payment on one's mortgage, and if you drew a line over time reflecting the mortgage this represents plus the downpayment, you'd be very close to a median home price. The bubble that occurred was real, ...	[ "As I understand it, Implied Volatility represents the expected gyrations of an options contract over it's lifetime. No, it represents that expected movement of the underlying stock, not the option itself. Yes, the value of the option will move roughly in the same direction the value of the stock, but that's not ...
What is the opposite of a sunk cost? A "sunk gain"?	[ "In the second example you are giving up future free cash flows in exchange for a capital gain on the original investment. With that respect the money you will not gain will be the difference of the future cash flows ( net of related costs) minus the net gain on the panel you have sold. The financial result can b...	[ "In Scotland, each bank issues its own separate notes. It's not uncommon to see identical-valued £10 notes, for example, from three different banks in one's wallet.", "US based so I don't know how closely this translates to the UK, but generally speaking there are three things that contribute to a strong credit s...
Buying a house, how much should my down payment be?	[ "The reason to put more money down or accept a shorter maximum term is because the bank sweetens the deal (or fails to sour it in some fashion). For example, typically, if there is less than 20% down, you have to pay an premium called \"Private Mortgage Insurance\", which makes it bad deal. But I see banks offerin...	[ "According to US News, renter's insurance does cover liability as well as your own belongings. They list this as one of four \"myths\" often promulgated about renter's insurance. This is backed up by esurance.com, which explicitly mentions \"Property damage to others\" as covered. Nationwide Insurance says that ...
How do top investors pull out 20% ROI?	[ "It's called leverage. Here's an example from real estate. The underlying appreciation on a house in certain parts of America is something like 7% a year. So if you bought the house \"all cash,\" your return would be something like 7% a year. (Actually, a little more, because of the rent you would be collecting, or...	[ "I want to mention I've found 2 options for more powerful tools that can be used to manage asset allocation: Advantages/Disadvantages: Vanguard Morningstar X-ray I hope this helps others struggling with asset allocation.", "In the US, it is perfectly legal to execute what you've described. However, since you see...
Do you pay taxes on stock gains that are just returning to their original purchase price?	[ "You don't generally pay capital gains taxes until you sell the stock. If you bought it in 2013 and the price goes up in 2014 but you just hold on to the stock, you won't have to pay any taxes on it. If you then sold it in 2015 for a profit, you'd have to pay capital gains taxes on the profit. Note that this exclud...	[ "Check out the property websites to get an idea of how much, the property in question, could yield as rent. Most give a range and you can get a good idea of it. Just one example from zoopla. Likewise you can refer mouseprice or rightmove and get yourself an idea. Property websites do a lot of data crunching to do a...
New car: buy with cash or 0% financing	[ "If you don't have other installment loans on your credit report, adding this one could help your credit. That could potentially help you get a better interest rate when you apply for a mortgage. There are positive and negative factors. Positive: Negative:" ]	[ "Been digging through all the EU VAT directives and have called HMRC as well.. There does not seem to be any lower threshhold for charging VAT into the EU. If you sell £10 of goods/services you have to charge VAT and file a VAT return. Your options are: 1) Register for MOSS and file a single VAT return in your home...
Isn't the subtraction of deprecation and amortization redundant in the calculation of Owner's Earnings?	[ "This formula is not calculating \"Earnings\". Instead, it is calculating \"Free Cash Flow from Operations\". As the original poster notes, the \"Earnings\" calculation subtracted out depreciation and amortization. The \"Free Cash Flow from Operations\" adds these values back, but for two different reasons:" ]	[ "I can't vouch for Australian law, but in the US there is actually a recognized mechanism for \"in-family loans\" which ensures that it's all fully documented for tax purposes, including filing it as an official second mortgage. (Just did that recently in my own family, which is why I'm aware of it.) We're required...
What would be the signs of a bubble in silver?	[ "How I recognize a silver bubble: I don't think silver is in a bubble. You state: What goes up, must come down I'm not sure I agree with this. Yes, prices fluctuate. But most prices generally go up over time due to inflation - somethings more than others. Was coffee in a bubble in early 2005? If you thought so...	[ "The product itself is a derivative as it derives its value from another stock or commodity. It's similar to a US option, which offers (in the case of a 'call') the right, but not the obligation to buy a stock at a predetermined price before a certain date. But, unlike the US option, instead of buying the stock, t...
Home Renovations are expensive.. Should I only pay cash for them?	[ "It depends on your situation. If your floor is broken, fix it. If you don't have $1,000 on hand, spend appropriately. It seems silly to be doing ROI calculations on the potential impact on resale value. It's sillier to blow money frivolously, whether you do so with cash or credit. I'm assuming that if you have a ...	[ "The daily Volume is usually compared to the average daily volume over the past 50 days for a stock. High volume is usually considered to be 2 or more times the average daily volume over the last 50 days for that stock, however some traders might set the crireia to be 3x or 4x the ADV for confirmation of a particu...
Setting up a LLC for two partners in different states, what should we look into?	[ "TL;DR: Get a tax adviser (EA/CPA licensed in your State) for tax issues, and a lawyer for the Operating Agreement, labor law and contract related issues. Some things are not suitable for DIY unless you know exactly what you're doing. We both do freelance work currently just through our personal names. What kind ...	[ "At its heart, I think the best spirit of \"donation\" is helping others less fortunate than yourself. But as long as the US remains solvent, the chief benefit of paying down the national debt is - like paying off a credit card - lowering the future interest payments the U.S. taxpayer has to make. Since the wealthy...
Credit Card Purchase - 'it is the bank's money no[t] yours' ?	[ "The statement is (in laymans terms - if not in real terms) correct. Most credit cards (I know this to be true for VISA and Mastercard) have dispute processes and will do a chargeback on the merchant - ie take the money back from the supplier in cases where you don't receive the goods or other fraud - Particularly ...	[ "Rent the property?? Is that a possible solution? Since selling the house is not an option and living in it isn't either, then perhaps renting it is the way to go? Since no explanation for the sister's motives is given, i'd speculate it is a mixture of emotional and financial concerns. Maybe mostly emotional. I ima...
Calculating profits on a covered call. What method do you use?	[ "yes, you are double counting. Your profit is between ($7.25 and $8) OR ($7.75 and $8.50). in other words, you bought the stock at $7.75 and sold at $8.00 and made $0.50 on top. Profit = $8.00-$7.75+$0.50 (of course all this assumes that the stock is at or above $8.00 when the option expires. If it's below, then y...	[ "An index fund is just copying the definition of an index. The group that defines the index determines how to weight the different parts of the index. The index fund just makes sure they invest the same way the index creator wants. Think of a non-investment scenario. A teacher can grade tests, quizzes, homework, i...
End-of-season car sales?	[ "Manufacturers sometimes give incentives to car dealers to ensure that the prior year models are sold out before the year is up. However, dealers are usually pretty smart on only ordering the cars they know they can sell before this happens. Also, manufacturers are usually pretty good about only producing enough ...	[ "I use MoneyStrands.com to manage my spending. It's a lot like Mint, but provides support for more banks, and works with most Canadian financial institutions. I can't really compare them fairly though, since I didn't bother with Mint after learning that they don't care about Canadians. If your bank isn't supported ...
Want to buy above market price?	[ "Buy and sell orders always include the price at which you buy/sell. That's how the market prices for stocks are determines. So if you want to place a buy order at 106, you can do that. When that order was fulfilled and you have the stock, you can place a sell order at 107. It will be processed as soon as someone p...	[ "Using cash instead of a debit card lets you see in real time how much cash you have left and where it's going. It's a lot \"harder\" to see the cash disappear from your wallet than it is to swipe the plastic (whether it's a debit or credit card). Using cash is a way to keep the funds in check and to keep spendin...
Can the risk of investing in an asset be different for different investors?	[ "In a perfect market, share prices are by definition a perfect reflection of the true value of a share. Hence, you always get $10 for a share that's worth that much. In reality, the market is imperfect. Prices are somewhat of an average of all different estimates, and there's a cost-of-trading margin between sales ...	[ "Have you considered social lending (for example: Lending Club)?", "If the cheque is not crossed, then your friend can write \"payable to [your name]\" above his signature when he endorses it. If it is crossed, you'll have to deposit it into his account. Given that one can deposit cheques at ATMs, this shouldn't ...
Borrowing 100k and paying it to someone then declaring bankruptcy	[ "This is fraud and could lead to jail time. The vast majority of people cannot obtain such loans without collateral and one would have to have a healthy income and good credit to obtain that kind of loan to purchase something secured by a valuable asset, such as a home. Has this been done before? Yes, despite it b...	[ "Judge this stock no differently than any other is the answer. Optimism isn't fact. http://clarkhoward.com/liveweb/shownotes/2007/06/06/12304/?printer=1 Now because you get to buy extremely low, and sell for probably higher and you believe in the stock, I'd say go ahead and purchase the stock, manage it for taxes ...
Personal finance app where I can mark transactions as "reviewed"?	[ "Otto, I totally agree with you. That feature would be awesome addition to mint. Have you thought of adding Custom tag called \"reviewed\" and just mark that to the transaction. Ved" ]	[ "Another suggestion I heard on the radio was to give the child the difference between the name brand they want, and the store brand they settle on. Then that money can be accumulated as savings. Saving money is as important a feature of the family economy as earning money. Be careful with what you have a child do ...
Does Joel Greenblatt's "Magic Formula Investing" really beat the market?	[ "GENIX was started by Joel Greenblatt back in 2013, so it is a real life test of the strategy. GENIX got off to a great start in 2013 and 2014 (probably because investors were pumping money into the fund) but had a terrible 2015, and lagging in 2016. Since inception it has under-performed an S&P 500 index fund by a...	[ "You need an ITIN. Follow the instructions on the IRS page to apply. You might be better off getting an on-campus employment authorization and getting an SSN, though, as the ITIN process is not really convenient.", "As far as I know any business can register for VAT regardless of the nature of the business. If a...
Is it wise to invest small amounts of money short-term?	[ "This is slightly opinion based. Is it appropriate to invest small amounts for short periods of time? At your age and the time period, I would say NO. This is because although the index fund do return 6-7% on average, there are several times it blips and goes negative as well. Stock Markets in short periods like 6...	[ "Over time, you'll have more loans, maybe a few store cards, mortgage, car loan, etc. I'm a fan of maximizing one's wealth, and the small rebate/reward adds up over time, so I'm not against the store cards, so long as you always pay the bill in full. As far as FICO is concerned, what they 'like' to see may not ne...
If I have no exemptions or deductions, just a simple paycheck, do I HAVE to file taxes?	[ "Yes, you have to file a tax return in Canada. Non residents that have earned employment income in Canada are required to file a Canadian personal income tax return. Usually, your employer will have deducted sufficient taxes from your pay-cheques, resulting in a tax refund upon filing your Canadian tax return. You...	[ "I assume your employer does standard withholding? Then what you need to do is figure what bracket that puts you in after you've done all your normal deductions. Let's say it's 25%. Then multiply your freelance income after business expenses, and that's your estimated tax, approximately. (Unless the income caus...
What is the equivalent of the QQQ in the UK for the FTSE 100?	[ "I'm not familiar with QQQ, but I'm guessing this is something like IShares Ftse 100 (see description here)" ]	[ "There is the opportunity cost. Let's say it cost you $1000 to buy 0.25% discount. Over N number of years that saves you let's say $2000 thus your profit is $1000. What if you took that $1000 and invested it? Would you have more than $2000 after N number of years? Obviously answering this question is not easy but...
I am the sole owner of an LLC. Does it make a difference if I file as an S-Corp or a sole-member LLC?	[ "S-Corp are taxed very different. Unlike LLC where you just add the profit to your income with S-Corp you have to pay yourself a \"reasonable\" salary (on w-2) which of course is a lot more paperwork. I think the advantage (but don't hold me accountable for this) is if your S-Corp makes a lot more than a reasonable...	[ "I'd have a good look at how much anonymity an LLC offers in your state - as far as I'm aware this varies from state to state. Out here in NV an LLC owner's privacy is supposedly fairly well protected, but in other states, not quite as much. Also keep in mind that while the LLC offers some protection (and I'm a big...
Why does an option lose time value faster as it approaches expiry	[ "Not cumulative volatility. It's cumulative probability density. Time value isn't linear because PDFs (probability distribution function) aren't linear. It's a type of distribution e.g. \"bell-curves\") These distributions are based on empirical data i.e. what we observe. BSM i.e. Black-Scholes-Merton includes the ...	[ "My understanding (I am not a lawyer or tax expert) is that you are not allowed to work for free, but you can pay yourself minimum wage for the hours worked. There are probably National Insurance implications as well but I don't know. The main thing is, though, that if HMRC think that you've set up this system as a...
Any advantage to exercising ISO's in company that is not yet public?	[ "As far as I know, the AMT implications are the same for a privately held company as for one that is publicly traded. When I was given my ISO package, it came with a big package of articles on AMT to encourage me to exercise as close to the strike price as possible. Remember that the further the actual price at t...	[ "Animal Crossing is great for all ages and teaches kids the importance of saving money to pay off a debt for a home and to become successful by helping out the community and what it gets you.", "NO. All the leveraged ETFs are designed to multiply the performance of the underlying asset FOR THAT DAY, read the pros...
Value of a call option spread	[ "The Explanation is correct. The Traders buys the 1st call and profits linearly form 40$ onwards. At at 45 the short call kick in and neutralizes any further profit on the first call." ]	[ "If you sold bought a call option then as you stated sold it to someone else what you are doing is selling the call you bought. That leaves you with no position. This is the case if you are talking about the same strike, same expiration.", "The best bank with least amount of gotchas is Alliant Credit Union. I d...
How should I be contributing to my 401(k), traditional or Roth?	[ "The Finance Buff discusses why the Roth 401k is often disadvantaged compared to a Traditional 401k in the article The Case Against the Roth 401k, including the following reasons (paraphrased): Contributions to the 401k come from the \"top\" of your highest tax bracket rate but withdrawals fill in from the \"bottom...	[ "Others have mentioned the exchange rate, but this can play out in various ways. One thing we've seen since the \"Brexit\" vote is that the GBP/USD has fallen dramatically, but the value of the FTSE has gone up. This is partly due to many the companies listed there operating largely outside the UK, so their value i...
If a stock doesn't pay dividends, then why is the stock worth anything?	[ "If so, then if company A never pays dividends to its shareholders, then what is the point of owning company A's stock? The stock itself can go up in price. This is not necessarily pure speculation either, the company could just reinvest the profits and grow. Since you own part of a company, your share would also i...	[ "Almost every online datasources provide historical prices on given company / index's performance; from this, you can easily calculate \"standard deviation\" by yourself. With that said, standard deviation presumes a fixed set of data. Most public corporations have data spanning multiple decades, during which a num...
Do financial advisers in Canada who work at the bank, make investing decisions not in your best interest?	[ "The way this works, as I understand it, is that financial advisers come in two kinds. Some are free to recommend you any financial products they think fit, but many are restricted in what they can recommend. Most advisers who work for finance companies are the second kind, and will only offer you products that the...	[ "And specifically regarding prices of housing, what factors drive prices in that regard? I mean, the houses are roughly the same... but almost 3 times as expensive. Rent, like so many things, is tied to supply and demand. On the demand side, rent is tied to income. People tend to buy as much house as they can affor...
Shares; are they really only for the rich/investors?	[ "Small purchases will have a disproportionate expense for commissions. Even a $5 trade fee is 5% on a $100 purchase. So on one hand, it's common to advise individuals just starting out to use mutual funds, specifically index funds with low fees. On the flip side, holding stocks has no annual fee, and if you are buy...	[ "Most businesses have some sort of software to manage their client data. Most of these various software and/or services are industry specific. Black Diamond seems to be a client management tool targeting investment advisers. From the black diamond site Reach an unparalleled level of productivity and transform you...

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