Ask A CPA - Investments & Financial Planning
1. A 401(k) retirement plans - What does Vesting mean?
2. Are Certified Financial Planners registered ?
3. Are my Money Market Mutual funds insured ?
4. Are there websites that have information about the stock market Decimalization ?
5. Can I invest in Bullion coins ?
6. Can I still contribute to an IRA , if I contribute to a 401(k) retirement plan ?
7. Do Foreign Stock Markets use Decimalization or Fractional reporting ?
8. Do I need to buy foreign currency before I leave for my trip to Europe ?
9. Do I pay taxes on the money I contribute to my 401(k) retirement plan ?
10. Does Africa have a stock exchange ?
11. Does Asia have a stock exchange ?
12. Does Australia have an exchange ?
13. Does Canada have a stock exchange ?
14. Does India have a stock exchange ?
15. Does India have a stock exchange ?
16. Does it really make that big of a difference earning 8% or 10% on my investments ?
17. Does Italy have a stock exchange ?
18. Does the Middle East have a stock exchange ?
19. Doesn’t diversification reduce rather than increase an investment portfolio’s return?
20. During the Decimalization phase in period, will trading be done in decimals and fractions ?
21. Educational IRA - Contribution Due Date
22. Federal EE bonds - maximum purchase
23. How are Mutual funds distributions reported to the IRS ?
24. How does leverage enter into an investment in a home or other real estate investment?
25. How is a Basis point calculated ?
26. How is accrued interest calculated on a bond ?
27. How is interest on Federal I bonds calculated ?
28. How is the interest on EE bonds calculated ?
29. How is the interest on Federal EE and I bonds taxed ?
30. How long do Federal EE and I bonds earn interest for ?
31. How many months of income should be in my emergency fund ?
32. I bonds- maximum purchase
33. I invested in a mutual fund on Dec 12 and now found out I have substantial taxable gains in that fund even though at the end of the year the fund was worth about what I paid for it. How could that be?
34. In a money market fund , what is a Banker's Acceptance ?
35. In reference to a mutual fund , what is the Expense Ratio ?
36. In reference to a Mutual fund, what is the ( NAV ) net asset value ?
37. In reference to the stock market , what are Convertible securities ?
38. In reference to the stock market , what are Equity securities?
39. In reference to the stock market , what are Fixed income securities ?
40. In reference to the stock market , what are Money market instruments ?
41. In reference to the stock market , what are Warrants ?
42. In reference to the stock market , what is a Derivative ?
43. In reference to the stock market , what is Foreign securities risk?
44. In relation to mortgages , what is Negative Amortization ?
45. In relation to mutual funds , what is a Back end loan fund ?
46. In relation to mutual funds, what is backdating?
47. In relation to retirement plans, what is a 403(b) plan?
48. In relation to the banking industry , what is Capitalization ?
49. In relation to the mortgage process , what is the Graduated Repayment option ?
50. In relation to the stock market , what are 12-b expenses ?
51. In relation to the stock market , what are M1 M2 M3 indicators ?
52. In relation to the stock market , what are Money Markets ?
53. In relation to the stock market , what does Execution mean ?
54. In relation to the stock market , what does the expression Ex rights mean ?
55. In relation to the stock market , what is an Emerging Market ?
56. In relation to the stock market , what is an Initial Public Offering ?
57. In relation to the stock market , what is Book value per share ?
58. In relation to the stock market , what is Capitalization ?
59. In relation to the stock market , what is Hedge fund ?
60. In relation to the stock market , what is Interest rate risk ?
61. In relation to the stock market , what is the Annual Report ?
62. In relation to the stock market , what is the expression Ex-Dividend date mean ?
63. In terms of the stock market , what is the Instinet ?
64. In the bond market , what is a Indenture ?
65. In the commodities market , what is the spot price ?
66. In the newspaper what does x or x'd mean in the stock listings ?
67. In the newspaper what does xr and xw in the stock listings mean ?
68. In the options market , what is a " Alligator spread " ?
69. In the Stock Market , what does Margin mean ?
70. In the stock market , what is a " Boiler Room " ?
71. In the stock market calendar, what is the January barometer and January effect ?
72. Is it possible to reduce taxable Social Security benefits by shifting taxable or tax free investments into a tax deferred annuity ?
73. Is the cost I paid for an investment seminar deductible?
74. Is there a college tax savings strategy my grandparents can set up for me?
75. Is there a phone number for referrals to local ( CFPs ) Certified Financial Planners ?
76. Is there a Required minimum distribution from my retirement account ?
77. Is there a way for me to withdraw money from my IRA if I need it temporarily, and then put it back?
78. Is there a website for determining withdrawals from retirement fund to achieve a specific income level ?
79. Is there a website to check mutual funds risk ratings and portfolio allocation ?
80. My broker wants me to consider a Butterfly spread strategy , what is it ?
81. Should I buy a tax managed fund in an IRA or tax deferred account ?
82. Should I contribute to a traditional IRA or to my 401K plan at work ?
83. Should I invest the limited funds I have, or should I obtain the insurance coverage I need?
84. Should I sell my investments to pay off my nondeductible consumer debt ?
85. Should I take out a home equity loan to pay off my credit card balances?
86. Stock short sales - reported to the IRS ?
87. What are American Depositary Receipts ( ADRs ) ?
88. What are Arbitrage bonds ?
89. What are basket options packages ?
90. What are Blue Chip Stocks ?
91. What are CD's ( Certificate of Deposits ) ?
92. What are Death backed bonds ?
93. What are EE bonds?
94. What are inflation indexed US Treasuries ?
95. What are Investment-grade bonds ?
96. What are Penny stocks ?
97. What are Small-cap, Mid-cap and Large-cap stocks ?
98. What are some of the key reasons that investors fail ?
99. What are some of the steps to consider when selecting a mutual fund ?
100. What are some sources of funds if I am strapped for cash ?
101. What are the advantages of non-callable tax free bonds ?
102. What are the consequences of starting to save late in life rather than early on?
103. What are the different U.S. Stock Market indexes ?
104. What are the Uniform Transfer to Minors and Gift to Minors accounts ?
105. What are Treasury Bills ?
106. What are Treasury Bonds ?
107. What are Treasury Notes ?
108. What are Zero Coupon securities ?
109. What do the Mutual fund ratings mean ?
110. What do the Mutual funds Bond Type Abbreviations stand for ?
111. What do the Mutual funds Stock Type Abbreviations stand for ?
112. What does a stock broker do ?
113. What does it mean that the down payment on my home has an opportunity cost of money ?
114. What does Over the Counter mean as it relates to securities ?
115. What does the Canadian Exchange Group consist of ?
116. What exchange is known as the " BIG Board "?
117. What exchanges are located in Chicago ?
118. What happens to my 401(k) retirement plan when I change jobs ?
119. What is a " Put " option ?
120. What is a American Depositary Share ( ADS ) ?
121. What is a Basis point ?
122. What is a Bond ?
123. What is a Bond Rating ?
124. What is a Brokered Certificate of Deposit ?
125. What is a Bullish and Bearish stock market ?
126. What is a Call option?
127. What is a cash equivalent security ?
128. What is a Certificate of Deposit ?
129. What is a Closed end Mutual fund ?
130. What is a corporation poison pill ?
131. What is a Credit Rating ?
132. What is a Debenture ?
133. What is a Dividend reinvestment plan ?
134. What is a Employee Stock Ownership Plan ( ESOP ) ?
135. What is a Financial pyramid risk structure ?
136. What is a Futures contract ?
137. What is a junk bond fund and why might it be a worthy investment ?
138. What is a marketable security ?
139. What is a Money Market Mutual fund ?
140. What is a Money Market fund ?
141. What is a Mutual Fund ?
142. What is a mutual fund Load?
143. What is a Mutual Fund Underwriter ?
144. What is a No Load Mutual fund ?
145. What is a Open end Mutual Fund ?
146. What is a Prospectus as it relates to securities ?
147. What is a public corporation Leveraged buyout ?
148. What is a Put option?
149. What is a Pyramid scheme ?
150. What is a Real Time price quote ?
151. What is a Red Herring ?
152. What is a REIT and is it a good way to invest in real estate ?
153. What is a Reverse stock split strategy ?
154. What is a securities Power of Attorney ?
155. What is a securities Proxy ?
156. What is a Securities Stock Exchange ?
157. What is a Self-directed 401(k) retirement plan ?
158. What is a Series HH bond ?
159. What is a Stock Split ?
160. What is a Stop Order as it relates to securities ?
161. What is a tax managed fund ?
162. What is a Tender Offer as it relates to securities ?
163. What is a Unit Investment Trust ?
164. What is an American Depositary Receipt ( ADR ) ratio ?
165. What is an Index ?
166. What is an Intercommodity spread ?
167. What is an Investment letter ?
168. What is an Real Estate Investment Trust ( REIT ) ?
169. What is Arbitrage trading ?
170. What is Bond OID accretion ?
171. What is Commercial Paper ?
172. What is Common stock?
173. What is considered a " block " of stock ?
174. What is Decimalization ?
175. What is dollar cost averaging ?
176. What is Inflation risk ?
177. What is interest compounding ?
178. What is investment diversification ?
179. What is Leverage in relation to securities ?
180. What is Leveraged Recapitalization ?
181. What is Market risk ?
182. What is Maturity value as it relates to securities ?
183. What is Preferred stock?
184. What is Short Against the Box as it relates to securities ?
185. What is SIPC insurance ?
186. What is the Advance Computerized Execution System ( ACES ) ?
187. What is the American Stock Exchange ( AMEX ) ?
188. What is the Barron's confidence index ?
189. What is the Bid and Ask price in Nasdaq trading ?
190. What is the Cash Flow Dividend Ratio ?
191. What is the Consumer Price Index ?
192. What is the difference between HH and EE bonds ?
193. What is the difference between Market and Limit Orders in the stock market ?
194. What is the difference between the 2 rating numbers in a Mutual fund rating listing ?
195. What is the Dow Jones Average ?
196. What is the Face Value of a preferred stock ?
197. What is the federal reserve discount rate ?
198. What is the Goldman Sachs Convertible 100 index ?
199. What is the Hang Seng Index ?
200. What is the Institutional Brokers' Estimate System ?
201. What is the Intermarket Trading System ?
202. What is the International Monetary Fund ?
203. What is the Jensen index ?
204. What is the London InterBank Offer Rate ( LIBOR ) ?
205. What is the minimum purchase amount of Treasury securities?
206. What is the most amount of EE bonds I can buy a year?
207. What is the Nasdaq Composite index ?
208. What is the Nikkei Index ?
209. What is the Price Dividend ratio ?
210. What is the Price Earnings Ratio?
211. What is the Prime rate ?
212. What is the Repurchase of stock strategy ?
213. What is the Russell 3000 index ?
214. What is the Securities & Exchange Commission EDGAR ?
215. What is the Standard & Poors' 500 index ?
216. What is the Striking Price?
217. What is the Wilshire 5000 index ?
218. What stock exchanges exist in Europe?
219. What types of Mutual Funds are there ?
220. Where can I find interest rates for zero coupon bonds and Strips ?
221. Where do American Depositary Receipts ( ADRs ) trade ?
222. Where is the COMEX located ?
223. Who sets the Initial margin requirement ?
224. Why are my gross proceeds so high on my brokers statement , I did not make that much of a profit this year .
225. Why do the Foreign Exchange Rates that I see in newspapers seem to be better than my own bank rates ?
226. Why don't my option sales appear on my form 1099 ?
227. Why is Decimalization being implemented in the Stock Exchanges ?
228. Will the Euro currency effect my travel to Europe plans ?
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