All Questions

2
votes
2answers
22 views

What differentiates index funds and ETFs?

Many companies offer index funds and ETFs. If two funds or ETFs track the same fund, what differentiates the two? Is it common for one index fund to outperform another? How can this happen if the …
3
votes
2answers
48 views

If banksimple.com is not a bank, what is it?

I came across Banksimple.com, and I was wondering whether or not it is safe to entrust your money to. The About Us page says We partner with select deposit-taking institutions. We spend our …
2
votes
2answers
18 views

How do I calculate the impact of fund fees?

After doing some research, I noticed that Fidelity appears to have fund fees between 0.71% and 0.91%, whereas Vanguard has fund fees between 0.21% or 0.22%. How do I calculate the impact that these …
2
votes
2answers
23 views

How to evaluate stocks? e.g. Whether some stock is cheap or expensive?

What kind of information do you obtain before buying (or selling) a stock? I know the PE ratio is very important, but not the only thing. Are there any rules of thumb to determine whether some stock …
1
vote
4answers
25 views

Will ADR owner enjoy same benefit as common shares holders

Currently, I would like to invest in the stock of HSBC. Details on Google Finance Details on Yahoo Finance I am not sure whether I should purchase from the Hong Kong or US stock market. What I know …
2
votes
1answer
14 views

Questions about Clark Howard's “Guide for Beginner Investors” strategy.

I was reading Clark Howard's Guide for Beginner Investors, and have a few questions: What kind of investment account should I put these in? Roth IRA account, regular IRA account, or regular …
3
votes
3answers
65 views

Options for dummies. Can you explain how puts & calls work, simply?

I never understood Puts or Calls. Could anybody explain it like I were a child?
3
votes
2answers
53 views

Is there a catch to offers of $100 when opening up a new checking account?

Is there any hidden catch in offers like this sample offer? I just can't understand what is the idea behind this offer --- What's the benefit for PNC if they give 100$? Sorry if it is a dumb …
4
votes
6answers
82 views

Are there hidden downsides to a shorter mortgage?

It seems that 30-year mortgages are very common (standard?). If I find that the monthly payments for, say, a 10-year mortgage are affordable for me, is there any reason not to go with the shorter term …
1
vote
1answer
20 views

What would be the impact of a fourth child on taxes?

Should I expect the tax effect of a fourth child to be similar to that of the third, or is there a point of diminishing financial benefit?
7
votes
8answers
113 views

What are the marks of poor investment advice?

What are the marks of poor investment advice? Basically, how do you evaluate whether the investment advice someone is giving you is good or bad?
2
votes
1answer
18 views

Where can I buy preferred stocks as opposed to common stocks?

I'd like to purchase some preferred stocks (or at least look into it), but I am not really sure how I could go about doing this. I currently use Scottrade for most of my investing.
2
votes
6answers
87 views

Is ING Direct Orange Savings a decent online savings account?

I'm looking for a good savings account that's 100% online and provides a good interest rate. I saw ING Direct (http://home.ingdirect.com/products/products.asp?s=OrangeSavingsAccount) and it this …
4
votes
8answers
218 views

What ways are there for us to earn a little extra side money?

I have done all the cost-cutting that my family can allow. It is still not enough - I spend more than I earn. This is killing the credit card and is going to be bad news for us unless we can sort this …
0
votes
1answer
40 views

Why does Everyone Care so much about their Flippin' Credit Score? [closed]

Obtaining a good credit score is relatively simple: procure bank accounts with a good financial institution and a couple of credit cards that you always pay off on time for a few years. This should …

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