All Questions

4
votes
3answers
721 views

High Leverage Inflation Hedges for Personal Investors

I'm looking for an investment that will appreciate against inflation in the US Dollar. I want to be leveraged 10:1 or more. For the sake of argument, let's say I have only $10,000 to invest, which ...
2
votes
3answers
258 views

Why opening a traditional IRA is not helping my tax forecast for 2010?

I am using the IRA Calculator from one of the main tax software. Link here After I put the information of my spouse and I, it comes out saying that there is no marginal tax saving for neither of us. ...
3
votes
4answers
12k views

What Is The Most Reliable Source For Getting Real Time Exchange Rates?

What is the most reliable and up-to-date source for getting world currency exchange rates?
9
votes
1answer
262 views

Why could the serious financial woes of some EU member states lead to the end of the Euro?

I've been reading a lot about the impending bankruptcy of Ireland/Portugal/Spain etc. and how this could mean the end of the Euro. I cannot connect the dots here. Why would this mean the demise of ...
11
votes
3answers
24k views

Is transferring money in multiple small transactions dangerous?

I've got a transfer limit of 1k on my account at a bank. At one point in time, I wanted to transfer a larger sum (upper 4 digit range) from this account to another account at a different bank. To work ...
9
votes
6answers
2k views

Should I try to max contribute to my Roth IRA asap?

Assuming that I can afford it: should I try to max contribute ($5k) to my Roth IRA as soon as possible in the tax year or break up the contributions evenly throughout the year?
3
votes
1answer
66 views

Are fund manager names listed in Edgar filings?

Does anyone know if the fund manager names are listed in any Edgar filings and if so which form type they are listed in? Thank you
12
votes
2answers
674 views

Why does the currency carry trade work?

I understand the carry trade mechanism, but I wonder why it works, or why it doesn't work. Each currency has an interest rate associated with it. The Yen (JPY) has historically had a very low ...
5
votes
2answers
488 views

Where do expense ratios show up on my statement?

This answer describes the lowered expense ratios of Vanguard admiral shares compared to Vanguard investor-class shares. How do I tell from my statements that I am saving money through the lowered ...
8
votes
3answers
239 views

Does a high demand for long commodities Futures push up the underlying spot price?

Let's take a commodity as an example - oil. Suppose there is suddenly a high demand for a 30-day oil futures contract. Will that push up the spot price on oil? I would guess that this would affect ...
6
votes
2answers
364 views

How much should I trust seller's expense and revenue data in evaluating multifamily real estate investment?

I am learning about investing in multifamily real estate (apartments). I understand some of the key figures for evaluating multifamily properties, such as CAP rate and cash-on-cash returns. All of ...
0
votes
2answers
349 views

What is the name of inverse of synergy? (finance)

I there: i want to know what is the name / buzzterm (if any) where i have a process and it produce two incomes (monetary or not), for example if i sell a t-shirt with a slogan that say "save the ...
4
votes
2answers
502 views

Do other countries have the equivalent of Australia's Negative Gearing?

Negative Gearing is a feature of Australian taxation where losses from real estate or share investments can be offset against assessable income. In simple terms, the difference between rent, and ...
4
votes
1answer
522 views

How do I track investment performance in Quicken across rollovers?

I use Quicken to track investments. I'd like to track performance. Here is a situation that feels wrong: I buy stock S for $10/share. I hold for 5 years. I sell S at $20/share and buy S2 for $20/...
2
votes
2answers
1k views

How to calculate the investment fees your portfolio is paying?

Disclaimer: I am going to mention the investment company that I am using, but I am not related in any way with this company, is just to exemplify my question. I am currently using foliofn.com. They ...
17
votes
5answers
2k views

Why don't more people run up their credit cards and skip the country?

If I total up the amount available on my unsecured line of credit and the limits on my credit cards, it comes to over $100,000. This amount of money would last a long, long time in somewhere like ...
8
votes
2answers
489 views

Do I have to list a SSN to take a child exemption?

Do I have to list my child's social security number on my income taxes to take a child exemption? What if my child doesn't have a social security number?
5
votes
1answer
101 views

Are you better off going with the BIG energy provider in town or a smaller competitor?

I live in Maryland and we have our energy delivered from BGE (Baltimore Gas & Electric). That means they manage and service the power lines and I have no choice in that matter. We do however, ...
3
votes
1answer
85 views

what is the likely reason that the bank have a different year end than the other companies

what is the likely reason that the bank have a different year end than the other companies
6
votes
3answers
171 views

Including the region where you live in your investment portfolio?

Diversification in an investment portfolio is generally recommended. Can my portfolio benefit from avoiding investment in my local economy? When browsing several US sites for investment advice, they ...
5
votes
1answer
347 views

When entering a Futures contract, must the margin deposit be idle or can I profit from it?

Let's say I am trading in a Reg-T Margin account. When entering a Futures contract, a certain amount of cash is needed as collateral (usually 5%-15%). I'd like to see that collateral generate income ...
9
votes
5answers
11k views

Is there a good forum where I can discuss individual US stocks? [closed]

I was wondering whether there are any good active forums around, where I can discuss individual US stocks?
15
votes
7answers
28k views

Safe method of paying for a Gym Membership?

After looking into joining a gym, I can't help but notice that all of them require a credit or debit card or a checking account number to join. I've also noticed that the contracts they require you ...
1
vote
2answers
563 views

How can I work out how much a side-job contracting will be taxed for?

I'm a full time employee on monthly salary, all done by the book. I'm thinking of doing some part time contracting in my spare time, maybe 15 hours per week. How can I estimate how tax will effect ...
3
votes
1answer
1k views

What is CAN PRO?

I have had several deposits into my bank account over the past year from this ($125.??) I am sure it is federal and provincial and some kind of credit. But for what?
2
votes
1answer
70 views

Lender benefits/perks comparison website or resource?

I was trying to research different lender housing loans in the US. I realize only the true rates and approved amounts would be after meeting with each lender and going through their pre-approval ...
4
votes
1answer
76 views

Calculating loss for future money flows

I signed a contract w/ a company that would pay me various amounts of various dates (example: $200 on 5 Dec 2010, $150 on 12 Dec 2010, $750 on 23 Dec 2010, etc). They breached this contract, but I ...
2
votes
2answers
854 views

Credit card not showing up on joint account holder's credit report

My wife has practically no credit, and we're trying to build it up. About 9 months ago I opened a Kohl's store credit card, and added her as a joint cardholder. We recently went through her credit ...
8
votes
4answers
622 views

Who buys variable annuities?

Last year the people making my taxes suggested a variable annuity instead of my traditional IRA. This variable annuity was supposed to guarantee 8% return year after year with no exception or market ...
2
votes
4answers
2k views

5/1 ARM: Lifetime cap, First Adjustment Cap, Margin, and Annual Cap?

I am looking over some paperwork for a 5/1 ARM. The loan information is as follows: Interest Rate: 2.75 Lifetime Cap: 5.00 First Adjustment Cap: 1.00 Annual Cap: 1.00 Margin: 1.75 I understand ...
5
votes
2answers
5k views

Brokerage Fees for Covered Call Options

I have been doing some research and am thinking of selling a Covered Call on a stock I currently own and am planning on holding long term. I would like to make an Out-of-the-Money Covered Call (OTM CC)...
8
votes
2answers
2k views

How to reduce mortgage rate with low income but high assets

I would like to achieve a lower mortgage interest rate than our current 5.75 percent 30 year fixed mortgage with Chase on our primary residence. Our situation is a little unusual, making it difficult ...
7
votes
5answers
625 views

Why do some people go through contortions to avoid paying taxes, yet spend money on expensive financial advice, high-interest loans, etc?

There seems to be a lot of resistance to paying taxes, yet people are paying a lot of money to banks and other financial advisers when there are cheaper/better options out there. Any thoughts on why ...
5
votes
4answers
877 views

What is a decent rate of return for investing in the markets?

This article indicates that the average rate of return for stocks is 4% after inflation, fees, and taxes (called "net-net-net" in the article). In the article several investment professionals are ...
3
votes
3answers
332 views

Under IRS rules, After what tax bracket or income range student loan interests are not effective?

Student loans generally have very low interest rates. Those interests paid work in your favor at tax time, for certain income and tax bracket group. In the US, if you make more than what amount, ...
1
vote
2answers
151 views

Should I keep a price guarantee contract of a real estate now?

In 2005 I purchased a guarantee price contract for a real estate luxury apartment. This apartment is due to be finished in 2012 (7 years after). The price estimated price of a similar apartment in ...
14
votes
6answers
12k views

Should I sell my stocks to reduce my debt?

The question is obvious. I have debt, not in excess, but I have. And I have some stocks in the market. Should I use the stock money to pay my debt, and be debt free. The debt is not high interest. ...
25
votes
5answers
19k views

What does it mean to run my debit card as credit?

I've been advised to (and have been) running my normal debit card transactions as "credit" transactions. What does this mean in terms of my security, the time a charge takes to settle, and the fees ...
8
votes
8answers
726 views

Should I sell when my stocks are growing?

I have a collection of stock that on average have grown 8% in the last few months. Should I sell now? This is a normal account, meaning tax is of no help. I never understand why people sell while ...
5
votes
3answers
1k views

FHA Streamline Refi causes principal balance to increase $9000?

I am in the process of doing an FHA Streamline Refi from a 5% 30-year-fixed to a 2.7% 5/1 ARM. I will only have to come up with slightly less than the amount of my monthly mortgage payment at closing ...
3
votes
4answers
8k views

Which banks have cash-deposit machines in Germany?

Which banks in Germany have machines that you can put cash in and it appears on my bank account (opposite of cash withdrawal)? I am not interested in the kinds that you put the cash in the envelope ...
7
votes
1answer
558 views

Should I try to consolidate my student loans? If so, how should I do it? What traps should I watch out for?

I recently graduated with my Bachelor's degree in Computer Science. I now have student loans to pay off. I've heard that something that should be done with your student loans is consolidation, but I ...
9
votes
2answers
4k views

Why does a no-load fund have transaction fees? Isn't that a contradiction?

According to Scottrade's website, the T. Rowe Price Retirement funds are "No-load" but at the same time "Transaction fees apply". I thought the whole idea of No-load funds was not having any ...
2
votes
1answer
241 views

Correct Ways of Importing Personal Finance Transaction Data

I want to transfer my financial data ( years of it!!) from Buxfer to yet-to-be-known online personal finance web app. I tried to download my data in both .qif and ofx format. I tried to import the ...
2
votes
2answers
544 views

We received the first HST payment but we got a notice of an error. Will we still get our next HST payment?

We received the first HST payment. However, something was wrong on our taxes. We got a notice a week or so ago saying that we now owe, because our rent receipts -- that we handed in -- got lost. ...
8
votes
4answers
585 views

What is an alternative to bank CD accounts that would pay slightly more interest?

I am looking for an FDIC (or other reliable body) insured account that pays more in interest than CDs. What is the next step up, interest wise, from CDs, even if it means tieing up the money longer ...
42
votes
7answers
110k views

Can't the account information on my checks be easily used for fraud?

My Bank of America checks contain my routing & account number, which I've used in the past to make purchases online, among other things. Anyone whom I pay with a check has this information. It ...
2
votes
1answer
2k views

What kind of Quicken account should I use to track an adjustable complife policy?

I have an Adjustable CompLife policy that I want to track in Quicken. What kind of Quicken account should I use?
10
votes
4answers
451 views

Is there value in using a credit card for the sake of using it?

We've recently (last 6 months or so) paid off several of our cards completely, and are working to pay down our last, highest utilized card. We don't generally need to charge much and can pay in "cash"...
3
votes
4answers
552 views

No-line-of-credit debit card?

Are there any "devices" that can be used to make on-line purchases like a credit or debit card but which will never have an attached line of credit? In particular what I want is a card that, when the ...

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