0
votes
0answers
12 views

Why is it important to research a stock before buying it?

So I’ve been thinking about investing some stocks and everyone is telling me that I really should research each stock, look through their financial statements and track the news and understand ...
0
votes
2answers
32 views

Can I operate whole investing and trading in US stock exchange staying outside USA?

My sister has just gone to USA and will try to settle down. She wants to invest some money in US stock exchange. But she hardly have any idea of stock market. Now she wants me to operate her investing ...
1
vote
1answer
86 views

Historical financial/economic data available as free download

One can download stock quotes from yahoo in csv format. However, they do not provide that service for forex and fundamental economic numbers like GDP, inflation, forex rates etc. I found some sources ...
36
votes
6answers
7k views

Pay off car loan entirely or leave $1 until the end of the loan period?

Background information: I have a car loan that doesn't require payments if I'm ahead on the loan (but accrues the interest, of course, on the balance remaining). I still have a year and a half on my ...
-1
votes
2answers
18 views

Best buying price on stock marketing based on market depth detail (CSE atrad tool)

I'm willing to buy some stocks from specific holdings. And on the trading tool there is a portion shows bid and ask list. Here I attached the screen shot of the window. What is the side (bid / buy) ...
1
vote
1answer
6 views

Does a Roth 401(k) rolled into a Roth IRA count toward the annual contribution limit?

I am trying to max out my Roth IRA for the 2015 tax year, and am wondering if Roth 401(k) rollovers count as a contribution. Roth 401(k)'s are not offered by many employers, so I couldn't find much ...
0
votes
2answers
39 views

Open Interest vs Volume for Stock Options

Wanted to double check my intuition - What if there is only one trading day and the volume is smaller than the open interest on that one trading day. This is assuming there is no open interest before ...
2
votes
2answers
50 views

Is losing money in my 401K normal?

I had about $10.5K in my Fidelity 401K account invested in their target fund. I started it a year ago. This is my first time with investing in the stock market. For the past 2-3 months, it keeps ...
0
votes
0answers
10 views

US bank offering Euro-based card?

I'm looking to open an EUR account within the US that offers a Maestro card (in Holland it's called "Betaalpas" which is the only type of card that you can use in all Dutch shops, and with which you ...
0
votes
0answers
19 views

How do you calculate your “alternative tax net operating loss”?

In 2013 I had gains from trading futures (Section 1256 contracts) and then in 2014 I had losses trading futures. A few months ago I amended my 2013 tax return to claim a refund via a futures loss ...
4
votes
1answer
38 views

Why are Bank of America and Citi trading so far below book value?

In 2008, a famously wealthy man bet big on Bear Sterns, citing that it was absurd that it was trading below book value. That man is now only slightly wealthy. The lesson was that you should trust book ...
2
votes
3answers
336 views

How much does credit score matter?

The higher your credit score, the better. If you ever had the choice of two different credit scores, you are always better off preferring the higher one. However, while the utility of a higher score ...
0
votes
1answer
9 views

I have a 2008 HHR under finance it needs a new engine

Ive had it for a year now and a check engine light came on they found a misfire which will require a rebuilt engine. I need to get rid of this car quick as it can go out any day. I owe 8000 on it and ...
1
vote
1answer
76 views

Section 179 Deduction vs De Minimis Safe Harbor

I'm self-employed in the U.S. and trying to figure out how to deduct some business expenses on for my 2015 taxes. I have some hardware and equipment expenses such as computer parts and electronics ...
2
votes
1answer
20 views

What will happen if private bank goes bankrupt in India

I saw on news that banks in India are under losses. I was just wondering, are banks in India federally insured? What happen if banks like Yes Bank or IndusInd bank goes bankrupt? How will we ...
0
votes
0answers
19 views

Timeline of Economy/Market

Is there a resource out there that provides a timeline of the conditions of the economy/market from the past to the current state? The ideal resource should show the year, the state of the ...
0
votes
0answers
47 views

Accepting Legal tender

In Canada, can a retail business in a private setting (open only to employees and not to the general public) not accept cash, credit or debit as payment? Recently our employer implemented a "meal ...
2
votes
3answers
6k views

How good is Wall Street Survivor for learning about investing?

I'm a recent graduate and I would really like to start learning about investing and want some experience in the stock market without actually risking any money. As an avid fan of fantasy football I ...
37
votes
4answers
11k views

It is legal for a retailer/store or other business to refuse $50 & $100 bills or other legal tender, e.g. pennies?

I'm trying to find out about businesses refusing $50 & $100 bills. Aren't they required by law to accept all legal tender? I had one person say it could be that it's not all legal (i.e. a ...
7
votes
1answer
130 views

What does it mean that a mutual fund is some percentage “short in cash” or “long in cash”?

http://portfolios.morningstar.com/fund/summary?t=PTTRX&region=usa&culture=en-US Trying to understand this fund as I'm learning more about it. I don't understand this: What does it mean when ...
0
votes
1answer
170 views

Calculating the Free Cash Flow (FCF)

I'm working on fundamental analysis on a public company, and am trying to calculate the Free Cash Flow for Facebook (FB) for the latest quarter - ending Sep 30, 2015, as shown below and would like to ...
20
votes
5answers
8k views

How can a credit card company make any money off me? I have a no-fee card and pay my balance on time

How does a credit card company make any money off of me using their card if there are no fees associated with the card (I don't pay any extra) and I pay off my balance on time every month (so I don't ...
0
votes
1answer
45 views

After-tax 401(k) conversion

I have some questions regarding converting my after-tax 401(k) to either my in-plan Roth 401(k) or an external Roth IRA: When I convert, can I transfer stocks/funds I own in my after-tax 401(k) ...
3
votes
1answer
38 views

Loan to S-Corp cannot be paid back, how to deduct from personal taxes?

I gave a $15,000 loan to an S-corp where I have a 10% stake. The K1 I got this year only allows me an ordinary loss of $600. However, I know that this business will soon be shut down without the ...
0
votes
1answer
57 views

Real estate agent wants a loan introduction letter

I was talking to a real estate agent (USA, CA bay area) who told me that I need to not only fill out a loan app, w2, and account statements but also write a introduction letter for the lender. I've ...
0
votes
0answers
16 views

Interest exemption on under construction property whose possession is delayed [on hold]

I'm planning to buy an under construction property. Say, my loan disbursement starts in Apr, 2016 and if by Mar, 2019 I don't get possession (due to delayed construction) then can I still claim ...
0
votes
1answer
26 views

Whats the best way to convert a contractor's rate to an employee's rate [duplicate]

Whats the best way to convert a contractor's rate to an employee's rate
-1
votes
0answers
39 views

Buy to let investing in High Ownership country [on hold]

I am looking for data on how much rental price elasticity is affected by Home Ownership rate. My guess would be that the higher is the home ownership in that country the more elastic will retal prices ...
0
votes
2answers
86 views

Can someone steal my government check and cash it?

I get an adoption check every month from Raleigh. I haven't received it for February yet. It always comes by the 6th of every month. I was wondering: could someone have stolen it and cashed it at ...
11
votes
5answers
5k views

Why does a stock's price fluctuate so often, even when fresh news isn't available?

I get it that the price of a stock goes up and down as fresh news is released, positive or negative. However, fresh news is released only at certain times while the price of a stock changes (by ...
0
votes
1answer
127 views

What is the difference between a structured collar and a normal collar in finance?

How is a structured collar different from an ordinary collar? I failed to find information about the difference online.
0
votes
2answers
2k views

Why doesn't changing the Discount Rate change IRR?

I have an analysis for a real estate project done and I'm changing the discount rate but IRR is not affected. I don't understand why this is...? It seems that changing the discount rate would change ...
-1
votes
1answer
73 views

Incorporating, issuing stock and evaluating it

Imagine that I incorporate my company in some place like Delaware and issue 10,000,000 in shares and start to offer these share for $10 each. To attract investors, I offer 3 months of free hosting for ...
3
votes
3answers
210 views

Why should I trust investment banks' ratings?

To me it does not make any sense to trust investment banks' (e.g. Goldman Sachs) so-called "price targets", I don't see how they would profit from actually helping retail investors. But it is trivial ...
4
votes
1answer
1k views

How do brokers handle “hidden” stock orders?

Some brokers offer the feature of making stock orders "hidden," which effectively hides them from bid/sell/deepbooks. How exactly does this work? See this example from Interactive Brokers.
0
votes
2answers
425 views

Personal Allowance in the UK - Are immigrants entitled to it?

Title says it all, can I as an immigrant have access to a personal allowance in the UK? As I understood, it's a set value of income that is not taxable. Is this for everyone or for citizens only? ...
1
vote
1answer
8k views

What does the term alias mean in the context of payment cards?

What does the term alias mean in the context of payment cards? I understand it's somehow linked to a card number but what is its purpose?
9
votes
1answer
10k views

What does “first, last and deposit” mean when looking for an apartment?

I was online looking for an apartment. It says, "we'll only need first, last, and deposit once your application is approved." What does this mean?
0
votes
1answer
87 views

How do Transfer Agents/Share Registrars get the names of beneficiary shareholders

If Transfer Agents need the names of the beneficiary share holders (e.g. for corporate actions / book closure), how do they get this data - from the stock exchange (or) Central Custodian (or) bank ...
1
vote
2answers
636 views

Does dollar cost averaging into a bond fund mitigate rising interest rate risk?

Everyone says not to buy bonds now because interest rates will rise. I'm wondering how dollar cost averaging (and reinvesting returns) helps reduce the risk. I'm not sure how bond funds work in ...
3
votes
1answer
112 views

Do retail traders get any advantage from learning methods of mathematical of finance?

There are many mathematical tools that are used in analyzing the stock market, including things like path integrals and statistical mechanics . Does the application of these tools in financial ...
1
vote
1answer
309 views

Using a current house as collateral for a loan to buy another house

If my name is on the deed of one house (the deed only, not the current mortgage on the house), can I use the house as collateral to obtain another loan for another house?
2
votes
1answer
420 views

If I lose 20%, what rate of return do I need to break even?

If the account is down 20%, what rate of return over the next year do we need to get to be even, in other words make back the 20% we lost? The rate of inflation in this case is zero.
9
votes
2answers
2k views

Why is a coin an asset whereas a note is a liability on the Federal Reserve's balance sheet? [on hold]

Can someone explain me why coins are assets and notes are liabilities for the U.S. Federal Reserve? I know coins are made from "precious" metals, but even notes are made from various materials too, ...
3
votes
2answers
975 views

How are futures contracts setup at an exchange?

I'm having a hard time wrapping my head around how the actual contracts are structured at an exchange. Here are my questions: If an exchange facilitates the trading of futures contracts and nobody ...
4
votes
1answer
190 views

Which tax year does a bonus fall under?

If I have a bonus that relates to the 12/13 Tax year but was paid after 6th April 13, which tax year should I pay tax in?
0
votes
1answer
302 views

Margin account: how to calculate the stock price that might trigger a liquidation of positions?

For example, I have an account at IB. The margin requirements are here: https://www.interactivebrokers.com/en/index.php?f=margin&p=stk Reg T Margin IB Initial Margin 25% 1 * Stock Value ...
6
votes
2answers
336 views

Explain: “3% annual cost of renting is less than the 9% annual cost of owning”

I was reading this: http://patrick.net/housing/crash1.html and found this statement by Patrick: 3% annual cost of renting is less than the 9% annual cost of owning the same thing Source: ...
2
votes
1answer
234 views

Do dark pools have to declare the volume transacted at the end of the day?

While dark pools can keep their transactions secret from the public exchanges during trading hours, are they required by regulation to declare the volume transacted after the market close at the end ...
4
votes
2answers
678 views

Why are there hidden bids and offers in the US stock market for the more illiquid stocks?

I have noticed one unusual characteristic in the US market. There are hidden bids and offers in the US stock market and this affects mainly the more illiquid small-cap stocks. Say, Stock ABC has a bid ...

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