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1500 questions
22
votes
10 answers
What's the best way to make money from a market correction?
Every now and then the market undergoes a correction.
I have saved up some money (around $80,000) and I'm currently investigating strategies for using market corrections as an investment opportunity.
Question: What's the best strategy for investing…
Vingtoft
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22
votes
9 answers
What is the difference between "good debt" vs. "bad debt"?
This other question about home renovations makes reference to the concept of "good debt."
Could somebody explain the concepts of good debt vs. bad debt, providing examples of each?
Are there cases when borrowing for a specific kind of purchase…
user178
22
votes
2 answers
Exchange gain on credit card refund
My credit card account is maintained in AED (United Arab Emirates Dirham). I have made a payment of 2,760 GBP to a hotel in London, which is equivalent to 13,037 AED. I later had to cancel the booking and was surprised to see a refund of 13,130 AED…
S.H.A
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22
votes
2 answers
What is the purpose of "Regulation D"
When transferring funds between my savings account and my checking account, there is always a little help text about "Regulation D".
Essentially it says that due to federal limits if I exceed 6 transfers in a billing period, that the transfer would…
coteyr
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22
votes
2 answers
How to know if two ETFs are 'substantially identical' according to wash sale rules?
Wash sale rules are pretty straight forward when you're trading stocks directly. However, how are these rules applied to ETFs?
Right now I own shares of CMF and want to do some tax-harvesting on some of my short-term losses for 2016. I want to…
user19035
22
votes
7 answers
Are Certificates of Deposit worth it compared to investing in the stock market?
Looking at roughly 0.05% for a CD to 5% for a stock portfolio. That's a huge difference in return. For example, with $10K, that's a 4.95 percentage point difference!
In general, does a diverse portfolio not include CDs?
It may appear that there are…
adamaero
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22
votes
9 answers
Why do shareholders participate in shorting stocks?
When an investor wants to short a stock, they need to borrow shares from someone else. Why would a shareholder lend the investor the shares?
When the investor gives them back, the stock would be down. So the shareholder lost money, when he/she could…
user116447
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22
votes
3 answers
Is Network Marketing a good place to invest money compared to SIP?
A friend of mine join a network marketing organization by investing 10,000 because his girlfriend is in it. He introduced his handler/manager and he gave a speech about how easy it is to earn by only investing 10,000 and his main selling point was…
j4rey
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22
votes
3 answers
Laid off at age 54 1/2, am I eligible to withdraw my 401k money without penalty?
I will be turing 55 this year in November.
I got laid off 2 weeks ago (April 4, 2016). I worked in New York City and live in NJ. Can I withdraw my 401k without penalty?
Doublespeed
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22
votes
12 answers
What should I be aware of as a young investor?
I'm 19 years old and am keen on investing in blue-chip companies. What should I take note of?
user2722
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22
votes
2 answers
Using fiancée's money to pay off my student debt
I have a student loan in my name and I just got engaged (Yay!) about 2 months ago. My fiancée has been saving up and is really interested in helping us get out of debt before the wedding. I think we can do it but I would most certainly need her…
Phil
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22
votes
3 answers
Why is EMV chip+signature gaining popularity over chip+PIN in the United States?
With the U.S. finally making the transition to EMV technology, I am surprised that the major banks are going with Chip+Signature technology over Chip+PIN. I think it is far more convenient for the consumer to use Chip+PIN rather than signature. …
Jesse
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22
votes
4 answers
Why would I not buy a bond for less than face value?
The way I understand it is that if you own a bond at maturity you will get the face value of the bond at that time.
So if you can purchase a bond at $80 which has a face value of $100 why would I not sell everything I own and put all that money…
Aequitas
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22
votes
9 answers
If one owns 75% of company shares, does that mean that he would have to take upon himself 75% of the company's expenses?
There are two founders in a new company that does not have any profit yet and is financed out of their own pockets. One founder owns of 75% shares, and the other one - 25%. There is a need to spend a large sum of money on a risky deal that may help…
Vlad
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22
votes
5 answers
What retirement accounts are available without age based withdrawal penalties?
If you retire early and have money invested in a Roth IRA or a traditional 401k, that money can't be touched without penalty until you're 55/59. (Let's ignore Roth contributions that can technically be withdrawn). Are there any other investment…
ovaltein
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