Personal Finance & Money Stack Exchange
Personal Finance & Money Stack Exchange

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1500 questions
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3 answers

If I create software that can identify and predict insider trading, and I use that to trade, am I insider trading?

Inspired by this question, and I don't know much about insider trading beyond it. The title pretty much says it all. Let's say I make software that picks up on patterns of insider trading. (For example, short sales that happen just before big news…
progressiveCavemen
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5 answers

What is insider trading exactly?

I know that insider trading is illegal. However, is it true that the CEO of a listed company can still buy/sell their own stock? If he/she does so, isn't that technically insider trading? Or why is it different? Even if people directly working for…
kpt8
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11 answers

Can't get started with budgeting -- no discipline! Any ideas on getting out of this rut?

I have had very little success with managing money. I have gone bankrupt once ($50K in credit card debt) and since then I no longer have credit cards (just a debit card) but my spending is still totally undisciplined. On a good month, I simply…
Bart
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4 answers

My business partner is unable to work; What should I do?

My business is an S-corporation and I have a partner. My partner is very sick and needing a liver transplant. He has been unable to work for over a year, and I am not sure when or if ever he will be able to work again. But we still make the same…
PAT OBRIEN
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2 answers

Is permanent life insurance necessary in retirement?

I have a salesman trying to convince me that permanent is a great option. What I can't wrap my head around is why I would want permanent life insurance in my old age if I have a retirement nest egg. If I passed away my spouse could live off the nest…
Wade Anderson
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21
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9 answers

Is there any reason not to put a 35% down payment on a car?

I went to the car dealership and was planning to finance a car under my brothers name, but since his credit is new AND he just financed a car 2 months ago, the salesman said it probably wouldn't work. The car I'm buying costs $15,550 and I'm…
Julian C
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2 answers

Why do credit card transactions take up to 3 days to appear, yet debit transactions are instant?

I noticed that when I use my credit card it takes up to 3 business days (even 5 days including weekends if I use it on a Thursday, I have to wait until Monday or Tuesday) for the transaction to appear on my online banking account history (after…
Dai
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How risky is it to keep my emergency fund in stocks?

Everybody says you should keep an emergency fund of 3–6 months of expenses in cash or near-cash (CDs, treasuries, etc.). I know this is heresy but if you have funds for significantly more than 6 months of expenses (let's say 12 months), how risky…
Craig W
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3 answers

As an employee, when is it inappropriate to request to see your young/startup company's financial statements?

If you work for a young company, equity in the form of restricted stock or options is often a form of compensation and a way to keep you aligned with the company's goals. But as a new employee you don't always know the situation you're walking into,…
user5770
21
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2 answers

What's the difference between credit unions and banks?

Is one better than the other? I've noticed that national banks seem to charge more (and higher) fees. Is that just me?
Corey
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1 answer

How to invest after 401k and Roth IRA are maxed?

I'm in my 20's. I'm a big saver and I think I've covered the basics, including: Paying off all high interest (>3%) debt. Getting the full company match out of my 401k. Maxing out my Roth IRA for the year. I still have a decent amount of cash flow,…
James Jones
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4 answers

How do I opt-out of the Social Security system?

How do I opt-out of the Social Security system and give up my Social Security Number? If I do this, am I then exempt from paying Social Security income tax?
Jesse
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Which Benjamin Graham book should I read first: Security Analysis or Intelligent Investor?

I recently graduated from engineering and I want to know more about investing. I'm particularly interested in Benjamin Graham's ideas. I want to read all of his books, but I couldn't decide which one should be first. Which should I read first:…
user1955276
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1 answer

Is there a benefit to creating a donor advised fund to make charitable donations instead of simply donating to organizations each month?

I'm looking to set up recurring charitable donations to various groups, and I'm considering using a donor-advised fund through Fidelity or Vanguard. General question: Is there a benefit to placing money into an account like this, where part of the…
John Bensin
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5 answers

What is the purpose of property tax?

I currently rent, but have been looking to buy a home. I always imagined how great it would be to have a dream home, worth, say, $500K, and to have it fully paid off. My thought was the only recurring fee I would have to pay is for utilities to keep…
Kirk Ouimet
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