The National Directory of Certified Public Accountants

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 ?

If you need professional help with "Investments & Financial Planning" or have other tax questions, we can help you find a local licensed CPA for a free, no-obligation consultation.