question_id stringlengths 1 5 | question stringlengths 14 158 | pos_item_ids listlengths 1 23 | pos_item_contents listlengths 1 23 |
|---|---|---|---|
2896 | Why can I refinance my recent car loan at a lower rate than I had received originally? | [
"121414"
] | [
"\"The simple answer might just be that the increased credit score you mentioned was enough to suddenly make you eligible for this lenders better rate, so maybe that's why you weren't able to get that low a rate before. Another option I can think of is that this particular bank offers these loans as a \"\"teaser ra... |
2897 | Can I change my loan term from 60 to 36 months? | [
"57517",
"294199"
] | [
"Some places banks/Credit Unions will allow you to refinance a auto loan. My credit Union only does this if the original loan was with another lender. They will send the money to the old lender, then give you a loan under the new terms. They are trying to get your business, not necessarily looking for a way make le... |
2901 | What percent of your portfolio should be in a money market account? | [
"295155"
] | [
"I would disagree with your analysis. To me there are two purposes for a money market (MM): Your emergency fund should be from 3 to 6 months of expenses. Think of it of an insurance policy against Murphy. You may want to have some money designated for big expenses, or even sinking funds. For example, I keep som... |
2902 | Does a failed chargeback affect my credit score? | [
"260817",
"585282",
"245729"
] | [
"If this chargeback failed then would it negatively affect my credit score? A credit score is a measure of how dependable of a borrower you are. Requesting a refund for not receiving goods not delivered as promised, whether it is successful or it fails, should not impact your credit score since it has no implicatio... |
2904 | Should I file a change of address with the IRS? | [
"198730"
] | [
"The most important thing to do when moving is to change your address with the post office. This will forward most mail for a year, and even automatically send change of address notices to many businesses that send mail to you. If you do this, and the IRS needs to send you something over the next year, you'll get i... |
2905 | Is it worth working at home to earn money? Can I earn more money working at home? | [
"146969",
"479276",
"157157"
] | [
"I think the right question you should ask yourself is: Can i work at home? is it possible? do I have a calm, private place at home to work from? what will be the motivation while working from? If you got answers to these questions, you will find if you can get money from home or not, because any place you can do w... |
2906 | Why do some symbols not have an Options chain for specific expiration dates? | [
"291134",
"501952",
"213609"
] | [
"Short answer: Liquidity. Well, you have to see it from an exchange's point of view. Every contract they put up is a liability to them. You have to allocate resources for the order book, the matching engine, the clearing, etc. But only if the contract is actually trading they start earning (the big) money. Now f... |
2907 | Can I deduct “Non-Reimbursable Expenses”? | [
"140966"
] | [
"You can only deduct (with the 2% AGI threshold) expenses that: You've actually incurred. I.e.: you actually paid for equipment or services provided and can show receipts for the payment. At the request of the employer. I.e.: you didn't just decide on your own to buy a new book or take a class, your employer told y... |
2913 | Can I estimate other people's credit limit at the grocery store? | [
"162870",
"376987"
] | [
"What you're referring to is Visa Easy Payment Services (VEPS). Other payment processors have similar programs. Basically, certain merchants (based on merchant category code - or MCC), are not required to obtain a signature under $50. This limit was raised to $50 from $25 last year. Here is the press release from V... |
2914 | Can housing prices rise faster than incomes in the long run? | [
"375606",
"517305"
] | [
"When over the long term housing costs in a area rise faster than wages rise, the demographic of who lives in the area changes. The size and income parameters change. A region that was full of young singles is now populated with couples with adult children, that means that the businesses and amenities have to chang... |
2915 | Would you withdraw your money from your bank if you thought it was going under? | [
"221058",
"373136",
"268485",
"374474",
"26538",
"486675"
] | [
"There's obviously a lot of discussion surrounding your question, but if I thought a bank was going under, then yes, absolutely I would withdraw my money. Now, we can debate whether me thinking the bank was going under was foolish or not, but if I truly believed it, I can't see why I would sit around and do nothing... |
2918 | Why don't institutions share stock recommendations like Wall Street analysts? | [
"503381",
"530318"
] | [
"Primarily because they don't want big price movements when they are in the market. If they spook the markets, either they have to buy at a higher price, or they sell at a lower price or they decrease the price of their holdings(which isn't always a big factor). The 3 situations they didn't want to be in the first ... |
2919 | My landlord is being foreclosed on. Should I confront him? | [
"62908",
"333583",
"598414"
] | [
"If John signs the lease he is entitled to stay there for the duration of the lease regardless of the foreclosure status. http://www.nolo.com/legal-encyclopedia/renters-foreclosure-what-are-their-30064.html I would suggest that signing a year lease (even by email), with the plan to leave as early as possible is a... |
2920 | income tax for purchased/sold short term & long term shares | [
"333425",
"537371"
] | [
"As mentioned by Dilip, you need to provide more details. In general for transacting on stocks; Long Term: If you hold the stock for more than one year then its long term and not taxable. There is a STT [Securities Transaction Tax] that is already deducted/paid during buying and selling of a stock. Short Term: If y... |
2921 | US Banks offering Security Tokens in 2012 | [
"392094",
"8186",
"570248"
] | [
"\"Bank of America \"\"safe-pass\"\" generates a code that is sent to your phone as a text message. Its an optional feature, this happens during log in, if you enter that code correctly, then you are taken to your more traditional login, which also features the weak (but widely heralded) two-factor authentication w... |
2924 | What evidence or research suggests that mid- or small-capitalization stocks should perform better than large caps? | [
"247790",
"19456",
"572069"
] | [
"I think it's safe to say that Apple cannot grow in value in the next 20 years as fast as it did in the prior 20. It rose 100 fold to a current 730B valuation. 73 trillion dollars is nearly half the value of all wealth in the world. Unfortunately, for every Apple, there are dozens of small companies that don't sur... |
2925 | Diagnostic Questions to Determine if Renter intends to pay | [
"389217",
"504703"
] | [
"Firstly, how far behind on rent are they? Have you sent them notices in writing about late rent, and if so how many have you had to send? How often do they say they are going to do things (like pay overdue rent) and they never do? To tell you the truth IMHO, if they are starting to be regularly late in rent paymen... |
2926 | Warren and it's investments [duplicate] | [
"102379"
] | [
"If I were in your shoes I would concentrate now on investing in yourself. Your greatest wealth building tool is your income. Going to school is great, make sure you can finish. Also is there additional coursework you can obtain that might help boost your salary? I would look for course in the following areas t... |
2927 | Where should my money go next: savings, investments, retirement, or my mortgage? | [
"111492",
"140989",
"369730",
"438456",
"139366"
] | [
"First, i think you're doing awesomely for your age. Here's what i'd do in your situation (disclaimer: These are just my personal opinions from experience with my own finances.): I'd do all those things and partition the money so that i ensure i do them all. That may mean not dollar cost averaging monthly but rathe... |
2929 | I'm 18. How to build good monthly income at my 20's? | [
"575876",
"332064"
] | [
"Market rate of return averages about 8% annually (sometimes more, sometimes less or negative). To get 30k monthly -- even taking that as pretax -- you're talking about 360k yearly. Divide that by 0.08 and you need to have savings of 4.5 million--- and really you should double that for safety.. Tl;dr: forget it. A... |
2930 | Pay online: credit card or debit card? | [
"494689",
"298729",
"60817",
"41465",
"443087",
"528528"
] | [
"Credit card, without a doubt. The reason is dispute resolution. If you dispute a charge on debit card - the money has left your account already, and if the dispute was accepted - you'll get it back. If. Eventually. In the mean time your overdraft will be missing $$$. For credit cards, you can catch a fraud action ... |
2933 | What are the best software tools for personal finance? | [
"28942",
"380474",
"180311",
"324273",
"171253",
"340599",
"522587",
"130439",
"281322",
"322716",
"301609",
"414046",
"488037",
"273617",
"318674"
] | [
"Mint.com—Easy solution to provide insight into finances. Pros: Cons:",
"GnuCash—Great for the meticulous who want to know every detail of their finances. Pros: Cons:",
"I like You Need A Budget (YNAB) Pros: Cons:",
"Excel Pros: Cons:",
"Intuit Quicken. Pros: Cons:",
"I'm a big fan of buxfer.com",
"I ju... |
2934 | Postbank (Germany) - transferring money to the US - what are the best options? | [
"367185",
"151002"
] | [
"For those who are interested, I am answering my own question: We used Postbank and transferred 6000 Euro, we chose to Transfer in US$, and selected Shared Fees. There were three fees in total: All in all, I paid ~37$; this is about half of what I expected; and I got a perfect exchange rate. Postbank might have its... |
2936 | What reason would a person have to use checks in stores? | [
"390366",
"101993",
"302823"
] | [
"Rational reason. They like this method of paying. There is a delay between writing the check and having the money removed from the account. Their checkbook makes a carbon copy of the check, so they can update their balance easier. They can leave the store and update their checkbook register, or the spreadsheet or ... |
2937 | High-risk investing is better for the young? Why? | [
"284591",
"385702",
"192652",
"272070",
"325612",
"539680",
"179657"
] | [
"What is the importance or benefit of the assumption that high-risk is preferable for younger people/investors instead of older people? Law of averages most high risk investments [stocks for examples, including Mutual funds]. Take any stock market [some have data for nearly 100 years] on a 15 year or 30 years horiz... |
2938 | What debts are both partners liable for in a 'community property' state? | [
"434545",
"356835",
"599058"
] | [
"No two states have the same exact laws regarding community property. I would recommend asking a competent financial advisor in your area, as they would be more familiar with the local statutes.",
"\"(Yes, I know this is a seven year old question.) Does this only apply to debts that were taken on during marriage... |
2939 | Do personal checks expire? [US] | [
"120609",
"533122"
] | [
"\"It depends on the bank. According to the Uniform Commercial Code, a bank is not obliged to pay a cheque after six months, but may do so if it wants to. § 4-404. BANK NOT OBLIGED TO PAY CHECK MORE THAN SIX MONTHS OLD. A bank is under no obligation to a customer having a checking account to pay a check, other tha... |
2941 | How to properly do background check for future tenant in my own house? | [
"242733",
"349693"
] | [
"I am a realtor. For our rental business, we use a service that offers a background check. It costs us about $25, and it is passed along in the form of an application fee. I suggest you contact a local real estate agent who you know does rentals. Have a conversation about what you are doing, and see if they will h... |
2943 | Is it possible to quantify the probability of sudden big movements for a high-volume stock? | [
"125098",
"22038",
"590744",
"556465"
] | [
"\"Certainly no one knows in advance how much a stock is going to swing around. However, there are measures of how much it has swung around in the past, and there are people who will estimate the probability. First of all, there's a measure of an individual stock's volatility, commonly referred to as \"\"beta\"\". ... |
2944 | What happens if the term insurance company closes? | [
"34302"
] | [
"This depends on the jurisdiction, but such companies are typically subject to regulations (and audits) that require them to keep the customers' accumulated premiums very strictly separated from the company's own assets, liabilities and expenses. Additionally, they are typically only allowed to invest the capital i... |
2945 | renter's insurance for causing property damage | [
"349705",
"436875"
] | [
"Renters' Insurance should also have some level of liability coverage. I.e.: if you caused a flooding because you went on and broke the pipe, or a fire because you smoked in the bed - there should be some level of coverage for that. However, most of the damage the tenant can do is probably not accidental. If you br... |
2947 | How do you write a check with cents? | [
"482503"
] | [
"\"In the US, Section 3.114 of the Uniform Commercial Code sets the rules for how any confusion in checks or other business transactions is handled: “If an instrument contains contradictory terms, typewritten terms prevail over printed terms, handwritten terms prevail over both, and words prevail over numbers.” If... |
2949 | W-4 and withholding taxes for self-employed spouse | [
"406789",
"360925",
"431504"
] | [
"\"Littleadv is incorrect because receiving a 1099 means she will be taxed self-employment tax on top of federal income taxes. Your employer will automatically withhold 7.65% of payroll taxes as they pay you each paycheck and then they'll automatically pay the other half of your payroll tax (an additional 7.65%) to... |
2952 | Is equity research from large banks reliable? | [
"65208",
"522486"
] | [
"\"If by \"\"can we trust the analyst recommendations\"\" you mean \"\"are they right 100% of the time\"\" the answer is absolutely no. Analysts are human and make mistakes, some more than others. There are many stories of \"\"superstar managers\"\" that make killings for several straight years, then have a few b... |
2953 | How to prevent myself from buying things I don't want | [
"253945",
"450363",
"187405",
"184644",
"175513",
"156337",
"579844",
"167297",
"479206",
"276560",
"501465",
"436051",
"357961",
"53177",
"168905",
"359736"
] | [
"We all buy stuff from time to time that only satisfies us for a short time. I was able to locate a few expenses that fall under that category. I see a lot answers that focus on not getting these things. I'm going to tell you how to at least attempt to have your cake and eat it too. If you can get these things with... |
2954 | what is the likely reason that the bank have a different year end than the other companies | [
"392169"
] | [
"The exact Financial calander followed is different for different regions/countires. The difference is more historical and a convinient practise that has no advantage / reason to change. Many Countries like US/Japan the Financial year can be choosen by companies and needs to be same every year. This need not be sam... |
2955 | Is leveraging notoriety to raise stock prices illegal in the US? | [
"140562",
"223309",
"379275",
"209218"
] | [
"\"There are obviously lots of complexities here, and there are rules against price or market manipulation that are somewhat interpretive due to the rules' inclusion of the manipulator's intent, but: Generally speaking, you can publicly promote the value of a company whose stock you own provided that you: Now, if y... |
2956 | How do I explain why debt on debt is bad to my brother? | [
"87706",
"435848",
"178668",
"541729",
"294451",
"279912",
"485488",
"139026",
"468777",
"446356"
] | [
"\"I wouldn't try to tell him what he should do, nor would I provide any financial assistance. Invite him over and tell him how a Dave Ramsey book changed your life or something so that you aren't the one telling him what to do. People in fundamentally and persistently bad situations are like people with addiction ... |
2959 | Would parking at a parking lot near or in my residence prevent me from paying for it with my transit FSA? | [
"178386"
] | [
"\"No, it doesn't look like you can use the employee benefit to pay for parking near your home. The definition for \"\"qualified parking\"\" is in the Internal Revenue Code Section 132 (\"\"Certain Fringe Benefits\"\") (f) (5) (c): (C) Qualified parking The term “qualified parking” means parking provided to an empl... |
2960 | Do property taxes get deducted 100% from the Annual Tax Return or only a fraction of them? | [
"599015",
"409980",
"87386",
"589416"
] | [
"If your deductions are higher than the standard deduction, you will be able to subtract property taxes from your income. In your example, that means that taxes are computed based on $95,000. In 2011, the standard deduction varies between $5,800 (single filer) and $11,600 (married filing jointly). Tax credits are s... |
2962 | international student tax deduction while trading | [
"397340"
] | [
"So, my question is what is the limit below which I don't have to pay taxes while trading. I just invested $10. Do I have to pay taxes for this too? what are the slabs? Any income is subject to tax. That said, investing $10 will probably not generate much of income, even at the discount brokers most of it will be w... |
2965 | What does a CFP do? | [
"204176",
"200468"
] | [
"A Certified Financial Planner has passed a licensing exam and will advise you and help you reach your financial goals. A good CFP can help you a lot, especially if you are unsure how to set up your insurance, investment, savings, and financial plans on your own. You do not need a CFP to get a life insurance policy... |
2966 | Is legal sending dollars to someone in Mexico, and sending them back for profit? | [
"285395"
] | [
"It is certainly legal to transfer money between people, no matter how often, as long as the money is not originally from illegal sources. If you are gaining in the process, you need to pay taxes on your (net) gain, as on any income; but as always, taxed income is still income. Consider the accumulating transaction... |
2969 | High credit utilization, some high interest - but credit score not overly bad. How to attack debt in this situation? | [
"45457",
"422750",
"249971"
] | [
"You need to pay off the entire balance of 7450 as soon as possible. This should be your primary financial goal at this point above anything else. A basic structure that you can follow is this: Is the £1500 balance with the 39.9% interest rate the obvious starting point here? Yes, that is fine. But all the cards an... |
2972 | Meanings of “price of the derivative” | [
"309497",
"548067"
] | [
"@Tim - in this case, a futures contract isn't like an options contract. It's simply a method of entering into an agreement for delivery at a future date. While the speculators appear to have taken over, there are practical examples of use of the futures market. I am a gold miner and I see that my cost is $1200/o... |
2976 | Super-generic mutual fund type | [
"260162",
"116614",
"228111",
"553748",
"381104",
"275334"
] | [
"You can also create a CD ladder (say 1/3 in a 6 month CD, 1/3 in a 1 year CD, 1/3 in a 2 year CD) with half of your emergency fund money. You always want to leave some of it in a liquid account so you can get at it immediately without any interest penalty. CD's provide higher interest than a savings account. By... |
2977 | Should I collect receipts after paying with a card? | [
"550496",
"375962",
"184081",
"251980",
"85252"
] | [
"Keeping a receipt does allow you to verify that the expected amount was charged/debited it also can help when you need to return an item. Regarding double charging, the credit card companies look for that. If the same card is used at the same vendor for the same exact amount in a short period of time the credit c... |
2978 | Should I exchange my Scottish pounds for English ones? | [
"180834"
] | [
"Scottish banknotes are promissary notes of the banks issuing them. Their value will be paid in UK legal tender any time as long as the issuing bank is in business. So they are not going to lose value unless the issuing bank goes bakrupt. Scottish notes may be refused, outside of Scotland, at least, by merchants at... |
2983 | Cheapest USD to GBP transfer | [
"150903"
] | [
"Use a remitting service such as Ria Money Transfer. Almost all these services allow you to transfer upto $2999 at a time. So, you would be able to transfer the entire amount of $4500 within 2 business days(There is a monthly limit too, but it will definitely be more than $4500). There are no fees to use these serv... |
2984 | Contributing factors to historical increase in trading volume | [
"434263",
"188129"
] | [
"Prior to 1975, commissions for trading stock on the NYSE were fixed at 1% of the amount of the trade. In 1975, the SEC made fixed commission rates illegal, giving rise to discount brokers offering much reduced commission rates. Simultaneously, Electronic Communications Networks (ECNs) gained market share as alte... |
2987 | Do mutual fund companies deliberately “censor” their portfolios/funds? | [
"185460",
"74964",
"194217"
] | [
"\"Do mutual funds edit/censor underperforming investments to make their returns look better, and if so, is there any way one can figure out if they are doing it? No, that's not what the quote says. What the quote says is that the funds routinely drop investments that do not bring the expected return, which is ... |
2990 | Is it accurate to say that if I was to trade something, my probability of success can't be worse than random? | [
"307518",
"377719",
"588569",
"280483",
"493043",
"16747",
"13046",
"118038"
] | [
"\"The stock market is not a zero-sum game. Some parts are (forex, some option trading), but plain old stock trading is not zero sum. That is to say, if you were to invest \"\"at random\"\", you would on average make money. That's because the market as a whole makes money - it goes up over time (6-10% annually, a... |
2991 | Self assessment expenses - billing date or payment date? | [
"457013"
] | [
"Unless you're running a self-employed business with a significant turnover (more than £150k), you are entitled to use cash basis accounting for your tax return, which means you would put the date of transactions as the payment date rather than the billing date or the date a debt is incurred. For payments which hav... |
2992 | Why is a stock that pays a dividend preferrable to one that doesn't? | [
"199578",
"416125",
"497060",
"84213"
] | [
"Check out the questions about why stock prices are what they are. In a nutshell, a stock's value is based on the future prospects of the company. Generally speaking, if a growth company is paying a dividend, that payment is going to negatively affect the growth of the business. The smart move is to re-invest that ... |
2995 | Comparing/reviewing personal health insurance plans for the self-employed | [
"133586",
"288391",
"222665"
] | [
"I was in your situation a few years ago and I discovered something that worked perfectly for me - a local health insurance broker. I met with her, discussed my needs, reviewed the options with her, then acted. She received a commission from the insurer, so it cost me nothing. I would certainly follow a similar app... |
2996 | what are the benefits of setting up an education trust fund for children? | [
"498649"
] | [
"Well, first off, if your children are NZ citizens, they can borrow money at 0% interest for tertiary education and I don't see any benefit to not taking free money. A saving account is your money, and will accrue a little bit of interest and you will pay tax on that. A family trust (I hope this is what you mean by... |
2997 | devastated with our retirement money that we have left | [
"417446",
"595427",
"108788",
"180185",
"535427",
"208202"
] | [
"\"I'm going to discuss this, in general, as specific investment advice isn't allowed here. What type of account is the $60K in now? I mean - Is it in a 401(k), IRA or regular account/CD/money market? You are still working? Does your company offer any kind of matched 401(k)? If so, take advantage of that right up ... |
2999 | Can rent be added to your salary when applying for a mortgage? | [
"74709",
"104131",
"31565",
"334750"
] | [
"\"The decision as to what counts as income is up to the bank. You'll need to ask them whether or not rental income can be included in the total. I can offer some anecdotal evidence: when I applied for a mortgage to buy my home, I already had a rental property with a buy-to-let mortgage on it. Initially the bank re... |
30 | Can I pay off my credit card balance to free up available credit? | [
"551175",
"434082",
"336922",
"19233"
] | [
"Is it possible to pay off my balance more than once in a payment period in order to increase the amount I can spend in a payment period? Yes you can pay off the balance more than once even if its not due. This will get applied to outstanding and you will be able to spend again. If so, is there a reason not to do t... |
3002 | Effect on Bond asset allocation if Equity markets crash? | [
"506743",
"115648"
] | [
"what will happen to the valuation of Tom's bond holdings after the equity crash? This is primarily opinion based. What will happen is generally hard to predict. Bond Price Bump due to Demand: Is a possible outcome; this depends on the assumption that the bonds in the said country are still deemed safe. Recent Gre... |
3004 | Estate taxes and the top 1 percent by net worth | [
"405115",
"68632",
"418328",
"336277"
] | [
"Of course, you've already realized that some of that is that smaller estates are more common than larger estates. But it seems unlikely that there are four times as many estates between $10 and $11 million as above that range. People who expect to die with an estate subject to inheritance tax tend to prepare. ... |
3009 | Saving for a down payment on a new house, a few years out. Where do we put our money next? | [
"436777",
"411143",
"373375"
] | [
"If you're absolutely certain that you won't buy a house within a year or so, I'd still be tempted to put some of the money into short-term CDs (ie, a max of 12 months). I think that at the moment CDs are a bit of a mug's game though because you'd hardly find one that offers better interest rates than some of the f... |
3010 | Does investing in a company support it? | [
"149384",
"318986",
"572363",
"576624"
] | [
"Would you consider the owner of a company to be supporting the company? If you buy stock in the company you own a small part of that company. Your purchase also increases the share price, and thus the value of the company. Increased value allows the company to borrow more money to say expand operations. The affect... |
3012 | Why buy insurance? | [
"257715",
"39585",
"502126",
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"94886",
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"102954",
"520149",
"239296",
"475452",
"552678",
"466388",
"389898",
"590994"
] | [
"\"Because people are Risk Averse. Suppose that you own an asset worth $10,000 to you. Suppose that each year, the asset has 1% chance of being stolen (or completely broken). The expected value is 99% x 10,000 + 1% x $0 = $9,900. This is the average outcome if you do not buy insurance. Now consider two mutually ... |
3015 | Deduct Health Care Premiums for Family When Employer Only Pays for Me | [
"41793"
] | [
"\"You can deduct what you pay for your own and your family's health insurance regardless of whether it is subsidized by your employer or not, as well as all other medical and dental expenses for your family, as an itemized deduction on Schedule A of Form 1040, but only to the extent that the total exceeds 7.5% o... |
3016 | Live in California but work for Illinois-based company | [
"397059",
"109459"
] | [
"California and New York are very aggressive when it comes to revenue and taxes. As such, mere having an employee in these States creates a nexus and tax/filing liability for the company. @Adam Wood mentioned sales tax - that is correct. Having an employee in the State of California will require collecting sales ta... |
3019 | Taxing GoFundMe Donations | [
"401819",
"295184",
"343872",
"4457"
] | [
"\"I'm going to post this as an answer because it's from the GoFundMe website, but ultimately even they say to speak with a tax professional about it. Am I responsible for taxes? (US Only) While this is by no means a guarantee, donations on GoFundMe are simply considered to be \"\"personal gifts\"\" which are no... |
3021 | Sleazy Bait and Switch Marketing — Is this legal? | [
"578527",
"338663"
] | [
"\"This is completely disgusting, utterly unethical, deeply objectionable, and yes, it is almost certainly illegal. The Federal Trade Commission has indeed filed suit, halted ads, etc in a number of cases - but these likely only represent a tiny percentage of all cases. This doesn't make what the car dealer's do ok... |
3023 | Please explain the relationship between dividend amount, stock price, and option value? | [
"484778",
"333339",
"49966",
"24688",
"308693"
] | [
"\"There are a few reason why the stock price decreases after a dividend is paid: What's the point of paying a dividend if the stock price automatically decreases? Don't the shareholders just break even? Companies have to do something with their profits. They beholden to their shareholders to make them money eithe... |
3024 | Is it wise for an independent contractor to avoid corporation tax by planning to only break even each year? | [
"520584",
"355897"
] | [
"IANAL (and nor am I an accountant), so I can't give a definitive answer as to legality, but AFAIK, what you propose is legal. But what's the benefit? Avoiding corporation tax? It's simplistic – and costly – to think in terms like that. You need to run the numbers for different scenarios, and make a plan. You ca... |
3025 | Tax me more: Can I pay extra to the government so I don't have to deal with all this paperwork? | [
"405105",
"362933",
"211196",
"138437"
] | [
"\"In a word, no. If your income is high enough to have to file a return, you have to file a return. My accountant has a nice mindset for making it more palatable. I'll paraphrase: \"\"Our tax system is ludicrously complicated. As a result, it is your duty as an American to seek out and take advantage of every dedu... |
3026 | What does “check payable to” mean? | [
"130503",
"502283"
] | [
"\"It is your name, or the fictitious name under which you operate. For example, if your freelance front end is called \"\"Zolani the 13th, LLC\"\", then that's the name you want to appear on the check, and not \"\"Mr. John Zolani Doe\"\" that is written in your birth certificate.\"",
"\"They are basically asking... |
3028 | Why small retail stores ask for ID with a credit card while big don't | [
"55305",
"569940"
] | [
"Because large stores do not pay their cashiers enough that the companies can dock the employees' pay if they allow a bad credit card to go through. So most cashiers at large stores won't take the extra effort to check the card properly. As a result, large stores come up with other ways to handle potential credit... |
3029 | What is the difference between hedging and diversification? How does each reduce risk? | [
"208977",
"314085"
] | [
"Hedging - You have an investment and are worried that the price might drop in the near future. You don't want to sell as this will realise a capital gain for which you may have to pay capital gains tax. So instead you make an investment in another instrument (sometimes called insurance) to offset falls in your inv... |
3030 | How to evaluate an annuity | [
"109540",
"235700",
"391323",
"248108"
] | [
"Guaranteed 8.2% annual return sounds too good to be true. Am I right? Are there likely high fees, etc.? You're right. Guaranteed annual return is impossible, especially when you're talking about investments for such a long period of time. Ponzi (and Madoff) schemed their investors using promises of guaranteed re... |
3032 | How to calculate my real earnings from hourly temp-to-hire moving to salaried employee? | [
"265397",
"312131",
"197782",
"517201",
"36608"
] | [
"\"Get some professional accounting help. You're going to have to pay for everything out of the fee you charge: taxes, retirement, health care, etc. You'll be required to pay quarterly. I don't think you should base your fee on what \"\"this\"\" company will pay as a full-time employee, but what you can expect in y... |
3034 | Is buying a home a good idea? | [
"488870",
"435737",
"255414",
"560710",
"482815",
"339115"
] | [
"\"IF the price of the property (1) increases A LOT, you will just break even, on the huge expenses of home owning. IF the price of the property (2) increases A HUGE AMOUNT, you will make lots of money, due to the leverage. IF the price of the property (3) stays even, you will LOSE a tremendous amount of money. It'... |
3035 | How come the government can value a home more than was paid for the house? | [
"218622",
"372834",
"122074",
"129439",
"577605"
] | [
"\"When a house is sold at a foreclosure auction, the selling bank usually does not provide the guarantees that a normal house seller provides. Furthermore, the previous owner may have neglected the property, and/or spitefully damaged the property. Bank-owned properties are often neglected and/or vandalized. Ban... |
3037 | Why would a car company lend me money at a very low interest rate? | [
"390397",
"572654",
"285033",
"331614",
"236778",
"89807"
] | [
"Because the federal government won't use the money to buy a car thus generating profits for the car company. The aim of cheap loans is to drive sales of cars. The difference between the amount of interest paid on the loan, and the amount they could have got by investing it elsewhere, is simply a reduction in the p... |
3041 | In Canada, how much money can I gift a friend or family member without them being taxed on it? | [
"322784",
"101764",
"25513"
] | [
"Canada doesn't seem to have a gift tax. http://www.taxtips.ca/personaltax/giftsandinheritances.htm",
"\"When you give a gift to another person or receive a gift from another person there is no impact on your taxes. You do not have to report certain amounts in your income, including the following: ... -most gif... |
3042 | Can I write off (deduct) expenses in a period where my corporation makes no money? | [
"84963"
] | [
"\"Your corporation would file a corporate income tax return on an annual basis. One single month of no revenue doesn't mean much in that annual scheme of things. Total annual revenue and total annual expenses are what impact the results. In other words, yes, your corporation can book revenues in (say) 11 of 12 mon... |
3044 | When do I pay taxes if I'm self employed? | [
"487728"
] | [
"I strongly recommend that you talk to an accountant right away because you could save some money by making a tax payment by January 15, 2014. You will receive Forms 1099-MISC from the various entities with whom you are doing business as a contractor detailing how much money they paid you. A copy will go to the IRS... |
3045 | Offshore bank account with online International wire-transfer facility for Indians | [
"340857",
"386160",
"80007"
] | [
"Well first off, I would advice you to do this research yourself. You should not base your selection off someone's opinion such as mines. With that being said, these are some factors I suggest you consider and research before talking to an offshore bank account: Now, when opening an offshore account most offshore ... |
3046 | Preferred vs Common Shares in Private Corporation | [
"126479",
"311214"
] | [
"\"Preferred dividends and common dividends are completely separate transactions. There's not a single \"\"dividend\"\" payment that is split between preferred and common shares. Dividends on preferred shares are generally MUCH higher than common dividends, and are generally required by the terms of the preferred ... |
3047 | Borrowing money and then investing it — smart or nart? | [
"225522",
"379387",
"51715",
"572563",
"272150"
] | [
"The biggest concern is how you get $250,000 in unsecured credit. It's unlikely that you will be loaned that amount at a percentage lower than what you expect to earn. Unsecured credit lines are rarely lower than 10% and usually approach 20%. On top of that, for a bank to approve you for that credit line, you have ... |
3048 | Bonus issue - Increasing share capital | [
"306149",
"180733",
"140481"
] | [
"Fully Paid up Partly Paid up: A company may issue stock to you which is only partly paid up, for example, a company may issue a stock of face value 10 to you and ask you to pay 5 now and other 5 will be adjusted later by some other mechanism. This stock shall be partly paid up. Usually, these stocks are issued in ... |
3050 | Proper etiquette for loans from friends | [
"517826"
] | [
"The standard approach is to reach an agreement and put it in writing. What you agree upon is up to you, but in the US if you want to avoid gift taxes larger loans need to be properly documented and must charge at least a certain minimal interest rate. (Or at least you must declare and be taxed upon that minimal in... |
3052 | Merchant dispute with airline over missed flight, and which credit cards offer protection? | [
"203544",
"1394",
"209224"
] | [
"You have no grounds for a refund. The flight took off on time, and you chose not to be on board. The fact that the airline could not guarantee ahead of time that the flight would leave on time is not relevant. You can certainly try to dispute the charge with the airline, and it sounds like you have done so. The ai... |
3053 | Why is the highest quintile the only quintile whose wealth exceeds its income? | [
"195113",
"141534",
"70738"
] | [
"\"I think you came up with a worthy Masters/PhD research project, it is a great question. This is in Australia so it is difficult for me to have complete perspective. However, I can speak about the US of A. To your first point relatively few people inherit their wealth. According to a brief web search about 38% ... |
3055 | Is there any advantage to owning equity in a company compared to a royalty agreement? | [
"263361"
] | [
"Each way you go is a little bit of a gamble. Owning equity in the company is best in situations where you can trade and sell that equity, or where the dilution of your royalty product would affect your returns, or if you can maintain a certain equity stake without working at the company or if you can hold out on... |
3056 | Who can truly afford luxury cars? | [
"168051",
"228010",
"351926",
"459799",
"106944",
"509761",
"469892",
"39260",
"366286",
"534906",
"460498",
"320583",
"35270",
"91517",
"596791",
"70668",
"440806",
"546831",
"506774",
"477705",
"233349"
] | [
"\"There's an aspect to this question that I really love. In general, it's a question about consumer behavior that can be expanded to inquire about the purchasing profile of any luxury good. Who buys $500 pocketbooks, $1000 wristwatches, etc? I can offer one observation regarding the car. Two close neighbors, both ... |
3057 | Paying myself a dividend from ltd company | [
"247760",
"441568",
"529032"
] | [
"In a simple case as the sole UK resident director/shareholder of a company, with that company as your only income, you are usually best paying yourself a salary of the maximum tax free amount allowed under your tax code (~£11k for most people at present). On this you will have to pay some employer and employee Na... |
3058 | Optimal term/number of months for car finance or lease? | [
"376016"
] | [
"If you have the money to pay cash for the car. Then 0 months will save you the most money. There are of course several caveats. The money for the car has to be in a relatively liquid form. Selling stocks which would trigger taxes may make the pay cash option non-optimal. Paying cash for the car shouldn't leave you... |
3059 | Calculating the total capital of a company? | [
"473963",
"405166",
"220898"
] | [
"\"I was wondering how do we calculate the total capital of a company? Which items should I look for in the financial statements? Total capital usually refers to the sum of long-term debt and total shareholder equity; both of these items can be found on the company's balance sheet. This is one of the calculations t... |
3063 | What are the implications of a corporate stock repurchase or share buyback program? | [
"200928",
"83331",
"91779",
"393759",
"192529"
] | [
"Ignoring taxes, a share repurchase has exactly the same effect on the company and the shareholders' wealth as a cash dividend. In either case, the company is disbursing cash to its shareholders; in the former, in exchange for shares which shareholders happen to be selling on the market at the time; in the latter, ... |
3064 | How do I determine ownership split on a franchise model? | [
"292788",
"294150"
] | [
"\"There is no one solution to every project finance problem. Two models might make sense in this situation, however. In this case, you would count all the money that you give to your friend as a loan which he will pay back with interest. The interest rate and loan amounts will have to be agreed on by both of you. ... |
3066 | Home owners association for houses, pro/cons | [
"152563",
"27433",
"148233",
"130350",
"421833"
] | [
"Some examples where an HOA is a positive thing: 1) Amenities: Maybe it is professionally maintained landscaping at the front of the subdivision, or a playground, or community pool. An HOA provides a convenient way to have things like that and share the costs among all the people who benefit. 2) Legal Advocacy: I l... |
3068 | What kind of life insurance is cheaper? I'm not sure about term vs. whole vs. universal, etc | [
"377477",
"109675",
"305742",
"117921",
"206830"
] | [
"\"Term is the way to go. Whole/universal are basically a combo of term and savings, so buy term life insurance and invest the difference in cost yourself. You should make a lot more that way (as far as savings go) than by buying whole life. By the time term life gets too expensive to be worth (when you're a lot ol... |
3076 | How can I have credit cards without having a credit history or credit score? | [
"166627",
"304578"
] | [
"That is an opinion. I don't think so. Here are some differences: If you use credit responsibly and take the time to make sure the reporting agencies are being accurate, a good report can benefit you. So that isn't like a criminal record. What is also important to know is that in the United States, a credit repo... |
3083 | Company asking for card details to refund over email | [
"421803",
"446932",
"176742",
"509650",
"567201",
"250166"
] | [
"If it is a well known company that wants to give you a refund, I would not worry about giving them your credit card number. However, I would never type my credit card number into an e-mail message. E-mail messages are very insecure, and can be read by many people along its way to the destination. They also can be... |
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