question_id stringlengths 1 5 | question stringlengths 14 158 | pos_item_ids listlengths 1 23 | pos_item_contents listlengths 1 23 |
|---|---|---|---|
3386 | Why are interest rates on saving accounts so low in USA and Europe? | [
"185104",
"521233",
"375877",
"546378",
"347874",
"257495",
"561968"
] | [
"The United States Federal Reserve has decided that interest rates should be low. (They think it may help the economy. The details matter little here though.) It will enforce this low rate by buying Treasury bonds at this very low interest rate. (Bonds are future money, so this means they pay a lot of money up fron... |
3387 | UK Contractor with Limited Company | [
"442968",
"65034"
] | [
"I know a guy on a much higher rate than me, about £500 per day, and he claims to pay around 18% tax which has me bewildered He will be showing expenses, which are deductible. Check with your accountant about expenses, which can be legally claimed as expenses. This is the main benefit of operating through a limited... |
3389 | How will going from 75% Credit Utilization to 0% Credit Utilization affect my credit score? | [
"487154",
"14463"
] | [
"I wrote an article about FICO scoring which shows that 30% of your score is based on utilization or amount owed. I can't say exactly how much your score will rise, or how long it will take, but your score will improve dramatically from what you propose. This chart is from Credit Karma, and it shows how zero uti... |
3391 | Better rate for investment between CD or savings | [
"281491"
] | [
"Excel has two functions you can use: Your question has the CD with a APR and the savings account that mentions both APR and APY. So convert them both to APY to compare them. The savings account (2.27 APY) will return more money based on the numbers in your question (2.27% vs 1.56%) The previous part was the math p... |
3392 | At what interest rate should debt be used as a tool? | [
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"\"I've been taking all the cheap fixed-rate debt banks would like to give me lately. What Rate? In practice I find the only way I get a low-enough rate on a longish-term fixed-rate loan is to use collateral. That is, auto loans and home loans. I haven't seen any personal loans with a low enough fixed rate. (Studen... |
3393 | How can contractors recoup taxation-related expenses? | [
"175889",
"490386"
] | [
"They are already indirectly paying these expenses. They should be built into your rates. The amount per job or per hour needs to cover what would have been your salary, plus the what would have been sick, vacation, holidays, health insurance, life insurance, disability, education, overhead for office expenses, co... |
3395 | What is the best way for me to invest my money into my own startup? | [
"559522",
"344380"
] | [
"\"It will depend somewhat on the rules where the company is formed, and perhaps how much you're talking about investing. I don't know about Canada, but when I've formed businesses in the U.S., I've been advised to invest some of the money as an equity investment, and the bulk of the remainder as a loan. You say \"... |
3398 | Which countries allow eChecks? | [
"259890"
] | [
"eChecks (and ACH) are a (desperate?) try of the US banking system to get into the 21st century. All EU countries (and some others) have direct deposits and transfers as the standard way of transferring money since about 20 years, and since about 5 years it is cost-free and one-day across all the EU. The rest of th... |
3399 | Which technical indicators are suitable for medium-term strategies? | [
"450740",
"311607"
] | [
"If I knew a surefire way to make money in FOREX (or any market for that matter) I would not be sharing it with you. If you find an indicator that makes sense to you and you think you can make money, use it. For what it's worth, I think technical analysis is nonsense. If you're just now wading in to the FOREX mar... |
3400 | How to pay taxes on YouTube if I'm a dependent? | [
"251649"
] | [
"\"The Form 1040 (U.S. tax return form) Instructions has a section called \"\"Do You Have To File?\"\". Below a certain income, you are not required to file a tax return and pay any tax. This amount of income at which you are required to file depends on several things, including your dependency status (you are a ... |
3401 | Recording of personal property contribution to S-Corp in QuickBooks | [
"53225"
] | [
"One approach would be to create Journal Entries that debit asset accounts that are associated with these items and credit an Open Balance Equity account. The value of these contributions would have to be worked out with an accountant, as it depends on the lesser of the adjusted basis vs. the fair market value, as ... |
3402 | Should I really pay off my entire credit card balance each month or should I maintain some balance? | [
"113651",
"363691",
"152279"
] | [
"You should pay things off every month. You don't want to be paying 10%-25% interest if you don't have to. If you regularly use you card, the credit agencies can't tell the difference. The way it works is that every month, they send the credit agencies your current balance and if you paid the last bill on time. ... |
3408 | Does the Fed keeping interest rates low stimulate investment in the stock market and other investments? | [
"61962"
] | [
"Investopedia has this note where you'd want the contrapositive point: The interest rate, commonly bandied about by the media, has a wide and varied impact upon the economy. When it is raised, the general effect is a lessening of the amount of money in circulation, which works to keep inflation low. It also m... |
3409 | How to find if a public company has taken out a loan? | [
"92072"
] | [
"Somewhat. The balance sheet will include liabilities which as Michael Kjörling points out would tell you the totals for the debt which would often be loans or bonds depending on one's preferred terminology. However, if the company's loan was shorter than the length of the quarter, then it may not necessarily be ... |
3411 | What is a Master Limited Partnership (MLP) & how is it different from plain stock? | [
"445869",
"551984",
"357455",
"497801"
] | [
"I was hesitant to answer this question since I don't own MLP even though I'm aware of how they work. But hear crickets on this question, so here goes. I'll try to keep this as non technical as possible. MLPs are partnerships where a shareholder is a partner and liable for the partnership's taxes. MLPs don't pay... |
3412 | How to account for a shared mortgage in QuickBooks Online? | [
"425888",
"543254",
"352589"
] | [
"How you should record the mortgage payments depends on if you are trying to achieve correct accounting, according to the standards, or if you are just tracking everything for you and your friends. If you're just keeping track for personal reasons, I'd suggest that you set up your check (or journal entry, your pref... |
3415 | Money transfer to the U.K | [
"149341",
"587711"
] | [
"\"I'd recommend an online FX broker like XE Trade at xe.com. There are no fees charged by XE other than the spread on the FX conversion itself (which you'll pay anywhere). They have payment clearing facilities in several countries (including UK BACS) so provided you're dealing with a major currency it should be p... |
3416 | Transfering money from NRE to saving account is taxable or not | [
"417286",
"197108"
] | [
"Meagrely transferring money within your own accounts doesn't result in any tax, however legally once you are an NRI you cannot operate a savings account at all as per Reserve Bank Guidelines found here One option is for you to transfer to a joint account held by a close relative of yours with you and this would be... |
3417 | Are there any credit cards with a statement period longer than 1 month? | [
"396679",
"399366"
] | [
"Most credit cards will allow you to pick the closing date. In fact almost every bill with the exception of utilities that collected usage by reading a meter at the house will either let you pick the closing date each month, or at least have several to pick from. They won't let you pick the length, but they will le... |
3418 | how much of foreign exchange (forex/fx) “deep liquidity” is really just unbacked leverage and what is the effect? | [
"148141",
"229118",
"429704"
] | [
"\"In essence the problem that the OP identified is not that the FX market itself has poor liquidity but that retail FX brokerage sometimes have poor counterparty risk management. The problem is the actual business model that many FX brokerages have. Most FX brokerages are themselves customers of much larger money ... |
3420 | How dividend payout happens | [
"76285",
"513827",
"269061"
] | [
"You will need to buy a stock before the ex-dividend date to receive the dividends. You can sell a stock on the ex-dividend date or after and you will receive the dividends. So if the ex-dividend date is the 5th August, you need to buy before the 5th and you can sell on the 5th or after, to receive the dividends. D... |
3422 | ISA - intra year profits and switching process | [
"456126",
"572507"
] | [
"You're overthinking it. The ISA limit applies to the amount you invest into the ISA. In your example, £10,000. Whether that then fluctuates with performance is irrelevant. Even if you realise aprofit or a loss, nobody is watching it. You merely count the amount you originally contributed into the ISA wrapper. When... |
3423 | Why does the calculation for IRR use revenue, not profit? | [
"209838"
] | [
"The short answer is that you would want to use the net inflow or net outflow, aka profit or loss. In my experience, you've got a couple different uses for IRR and that may be driving the confusion. Pretty much the same formula, but just coming at it from different angles. Thinking about a stock or mutual fund... |
3424 | Sale of house profit gifted to child | [
"594529"
] | [
"1) You parents will have to pay tax on the gain as it wasn't their primary home. You don’t pay Capital Gains Tax when you sell (or ‘dispose of’) your home if all of the following apply: As I look at it, it is your parents are the ones who own the property and they will have to pay on £60000. But as you say you pa... |
3425 | On a debt collection agency's letter, what does “balance” refer to? | [
"150171",
"31603"
] | [
"\"Without more info to go on (such as a screenshot of the relevant portion of the statement or what country you're in), I will run with the answer that \"\"balance\"\" is the amount the collection agency is attempting to collect from you, including any and all fees the agency may have added. One important idea to ... |
3426 | How can I borrow in order to improve a home I just bought? | [
"58855",
"452562"
] | [
"\"Be careful that pride is not getting in the way of making a good decision. As it stands now what difference does it make to have 200K worth of debt and a 200K house or 225K of debt and a 250K house? Sure you would have a 25K higher net worth, but is that really important? Some may even argue that such an incr... |
3427 | What are pros and cons of UK Building Societies compared to banks? | [
"403077"
] | [
"they may be willing to issue mortgages with smaller deposits, but may take longer to make a decision That cannot be farther from the truth. If you are getting a mortgage on a smaller deposit, you will be paying a higher interest rate. Time to take a decision depends very much on your credit situation, earnings, sp... |
3428 | Why does my checking/savings account offer a higher interest rate than a standalone savings account? | [
"184524"
] | [
"The key is that you need to use your debit card to earn the higher interest rate. The bank can offer a higher interest rate on accounts connected with a debit card because: They earn additional income through debit card fees charged towards account holders, among other things. They offer the higher interest rate s... |
3429 | Do I need to file taxes jointly with my girlfriend if we live together? | [
"29360",
"565676"
] | [
"In Ontario, common law marriage requires 3 years of cohabitation, and doesn't give rights to property (which remains separate). I'd say in your situation you can still file as single, but I'd suggest asking your tax accountant to be sure.",
"\"If you pay her rent, how do you differ from a tenant in the eyes of t... |
3431 | How do credit card payments work? What ensures the retailer charges the right amount? | [
"81416",
"587580"
] | [
"When you give your credit card number and authorize a merchant to charge your credit card, the merchant then gives the information to their merchant processor which in turns bills the bank that issued the card (it's a little more complex and it all happens instantly unless the merchant is using the very old fasion... |
3432 | What's the general principle behind choosing saving vs. paying off debt? | [
"310361",
"574585",
"428150",
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] | [
"It has to do with return. I don't know if Canada has a matching feature on retirement accounts, but in the US many companies will match the first X% you put in. So for me, my first $5000 or so is matched 100%. I'll take that match over paying down any debt. Beyond that, of course it's a simple matter of rate of re... |
3433 | Can used books bought off Amazon be claimed as a tax deduction in Australia? | [
"298009",
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"304452"
] | [
"\"VAT = Value Added Tax (as an Aussie think \"\"GST\"\") This is applicable in Britain. Basically, if you were in Britain, and if you could claim VAT as a deduction, that invoice is not sufficient proof to make the claim. But you're in Oz so it doesn't apply to you in any case. For work-related deductions like boo... |
3434 | privacy concerns when receiving money from paypal from strangers? | [
"244318"
] | [
"You'll need to check PayPal's terms of service for that first question. I would imagine you could, as my wife and I both have personal PayPal accounts listed at the same address. When you receive money, the senders will only see the (full) name on your account, the amount, and the transaction ID. If you set up a b... |
3436 | Health insurance lapsed due to employer fraud. How to get medications while in transition? | [
"517510",
"175537"
] | [
"Check with the manufacturer of the name brand medication. Most of them have programs to help people who need their medication but can not afford it. They may be able to send you coupons for discounted or free medication. You can go to a free clinic. If your income is low enough the free clinic will provide med... |
3437 | In what circumstances will a bank waive the annual credit card fee? | [
"397175"
] | [
"See if the bank has other credit cards they offer. Many banks have multiple ones: some cards have great benefits, others do not; some cards have high rates, some do not; some cards are secured, some do not. If they have a card that you like ask them to switch you to the card you want. They should be able to do so... |
3438 | How to calculate cash loss over time? | [
"306166",
"360434",
"352013",
"135536"
] | [
"If inflation is at 2% per annum, in a year you would need £102 to buy equivalent goods to what you could buy today. So if you keep your money in a drawer the buying power of your £100 in a year will be only 100/102 = 98.039% of what it is currently.",
"While it is a true loss, as you've determined, is not a cas... |
3439 | How to realize capital gains before going from non-resident alien to resident alien in USA | [
"540292",
"501214"
] | [
"Is this possible and will it have the intended effect? From the US tax perspective, it most definitely is and will. Is my plan not very similar to Wash Sale? Yes, except that wash sale rules apply for losses, not gains. In any case, since you're not a US tax resident, the US wash sale rules won't apply to you.",
... |
3440 | No-line-of-credit debit card? | [
"580980",
"185434",
"31509",
"203271"
] | [
"This arrangement might be a bit of a pain, but what about Visa gift card(s)? The transfer of money just doesn't happen if the money isn't already on the card. See here.",
"We have a pre-paid mastercard. This will only allow the spending up to the amount already paid into the card account. Visa Electron is a ba... |
3442 | Do classes have to pay sales tax on materials used? | [
"286654"
] | [
"\"In most jurisdictions, both the goods (raw materials) and the service (class) are being \"\"sold\"\" to the customer, who is the end user and thus the sale is subject to sales tax. So, when your friend charges for the class, that $100 is subject to all applicable sales taxes for the jurisdiction and all parent j... |
3443 | Why are interbank payment (settlement) systems closed for weekends and holidays? | [
"486440",
"504999"
] | [
"\"The second part of your question is the easiest to answer, how much manual work is involved in settlement processes? Payment systems which handle low value (i.e. high volume) transactions work on the basis of net settlement. Each of the individual payments are netted across all of the participant banks, so that ... |
3444 | Working as a freelancer overseas, but US Citizen, what is my tax situation? | [
"172872"
] | [
"This person must pay taxes in both the overseas country and in the U.S. This is unusual; generally, only the U.S. demands this. Depending on the specific country, he would likely not be taxed twice as the U.S. generally recognises tax paid in a different country. Note there are some gotchas, though. For example, a... |
3452 | Are stock prices likely drop off a little bit on a given friday afternoon? | [
"169076",
"471704"
] | [
"It is called the Monday Effect or the Weekend Effect. There are a number of similar theories including the October Effect and January Effect. It's all pretty much bunk. If there were any truth to traders would be all over it and the resulting market forces would wipe it out. Personally, I think all technical analy... |
3454 | How will a 1099 work with an existing W-2? | [
"194899",
"408434"
] | [
"\"You can do either a 1099 or a W-2. There is no limitations to the number of W-2s one can have in reporting taxes. Problems occur, with the IRS, when one \"\"forgets\"\" to report income. Even if one holds only one job at a time, people typically have more than one W-2 if they change jobs within the year. The ... |
3455 | Hedging against Exchange Rate Risk | [
"66119",
"382505"
] | [
"How can I calculate my currency risk exposure? You own securities that are priced in dollars, so your currency risk is the amount (all else being equal) that your portfolio drops if the dollar depreciates relative to the Euro between now and the time that you plan to cash out your investments. Not all stocks, tho... |
3457 | If someone gives me cash legally, can my deposit trigger an audit for them? | [
"152753",
"550339",
"460850",
"499548"
] | [
"Am I right to worry about both of these? Of course. Who carries $75K in cash for no good reason? Your friend got the cash from somewhere, didn't he? If its legit - there's paper trail to show. Same for your parents. If you/they can show the legit paper trail - there's nothing to worry about, the hassle, at worse, ... |
3458 | Why are estimated taxes due “early” for the 2nd and 3rd quarters only? | [
"449001",
"406623",
"527231",
"597929"
] | [
"There are too many nuances to the question asked to explore fully but here are a few points to keep in mind. If you are a cash-basis taxpayer (most individuals are), then you are not required to pay taxes on the money that has been billed but not received as yet. If you operate on an accrual basis, then the incom... |
3459 | Is it a bad idea to buy a motorcycle with a lien on it? | [
"391360",
"84267",
"88013"
] | [
"In the case of a vehicle with a lien, there is a specific place on the title to have a lien holder listed, and the holder of the lien will also hold the title until the lien is cleared. Usually this means you have to pay off the loan when you purchase the vehicle. If that loan is held by a bank, meet the seller at... |
3460 | How to manage household finances (income & expenses) [duplicate] | [
"471957",
"70305"
] | [
"\"My wife and I have close to equal incomes, and are not young. What we have is this: Some people would classify our system as a bit draconian as we each have \"\"allowance\"\"; however, it makes sure spending does not get out of wack and we work together to meet our goals.\"",
"Obviously, there are many approa... |
3463 | Can signing up at optoutprescreen.com improve my credit score? | [
"444796",
"108876",
"260916",
"140116",
"517874"
] | [
"If I had a business and was able to claim a feature, I would. It's simple marketing. If in fact, opting out helped your score, the site would promote that feature. Soft pulls for prescreened offers are not counted. No more than my constant peek at my score through Credit Karma. Opt out, if you wish. The benefit ... |
3466 | Buy home and leverage roommates, or split rent? | [
"546288",
"201705",
"125482",
"288061",
"563959",
"137459"
] | [
"what I should think about. If you decide to do this - get everything in writing. Get lease agreements to enforce the business side of the relationship. If they are not comfortable with that much formality, it's probably best not to do it, I'm not saying that you should not do this - but that you need to think ab... |
3467 | Auto Insurance: Adding another car to the existing policy (GEICO) | [
"271658",
"151098",
"574398"
] | [
"They'll refund your money (though maybe with a small service charge). I'm sure they regularly deal with new car sales gone wrong.",
"tl;dr: Call them. I'd be very surprised if you have a problem. I used to have have a policy with Geico, and would pay for my car insurance 6 months at a time. About 2 months into ... |
3471 | Why might a brokerage firm stop offering a particular ETF commission free? | [
"447354"
] | [
"\"Forbes has an article investigating this. Here are the key parts: On line at the bottom of the list of funds there is an entire screen of grey-faded micro print which includes this telling disclosure: TD Ameritrade receives remuneration from certain ETFs (exchange-traded funds) that participate in the comm... |
3474 | Can an S-Corp write off work and merchandise expenses donated to a non-profit organization? | [
"121187",
"18889"
] | [
"An S-corp doesn't pay income tax -- taxation is pass-through. This being the case, there are no tax deductions it could take for charitable giving. The solution would be for you to make the contribution out of your own pocket and then personally claim the deduction on your own taxes.",
"Yes. The S-Corp can ded... |
3475 | What happens to my stocks when broker goes bankrupt? | [
"452075",
"226337",
"354815"
] | [
"Here is my perception of the situation, obtained from reading Degiro's Client Agreement. If Degiro shuts down, it will notify you about the fact at least one month in advance, and you will have enough time to order a transfer of your positions to a different broker. If Degiro shuts down unexpectedly, your assets w... |
3476 | If a stock doesn't pay dividends, then why is the stock worth anything? | [
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"It's important to remember what a share is. It's a tiny portion of ownership of a company. Let's pretend we're talking about shares in a manufacturing company. The company has one million shares on its register. You own one thousand of them. That means that you own 1/1000th of the company. These shares are val... |
3478 | What are the primary investment strategies people use and why do they use them? | [
"113786",
"577832"
] | [
"\"There are two umbrellas in investing: active management and passive management. Passive management is based on the idea \"\"you can't beat the market.\"\" Passive investors believe in the efficient markets hypothesis: \"\"the market interprets all information about an asset, so price is equal to underlying value... |
3481 | Make punctual contributions to IRS based on earnings | [
"8018"
] | [
"I will answer this question broadly for various jurisdictions, and also specifically for the US, given the OP's tax home: Generally, for any tax jurisdiction If your tax system relies on periodic prepayments through the year, and a final top-up/refund at the end of the year (ie: basically every country), you have ... |
3482 | Pensions, why bother? | [
"59965",
"431203",
"56924"
] | [
"The stock market at large has about a 4.5% long-term real-real (inflation-fees-etc-adjusted) rate of return. Yes: even in light of the recent crashes. That means your money invested in stocks doubles every 16 years. So savings when you're 25 and right out of college are worth double what savings are worth when you... |
3483 | When is the right time to buy a new/emerging technology? | [
"290647",
"90238",
"510872",
"157480"
] | [
"If you're looking for a purely financial answer (ignoring the social/environmental aspects) there are a few different ways you can look at it. For these types of improvements the simplest is a payback calculation. How long would it take you to recoup the initial costs? For example, if the entire installation co... |
3484 | Does payment in goods count as “income” for tax purposes? | [
"516548"
] | [
"The IRS defines income quite specifically. On the topic What is Taxable and Nontaxable Income, they note: You can receive income in the form of money, property, or services. This section discusses many kinds of income that are taxable or nontaxable. It includes discussions on employee wages and fringe benefits, an... |
3485 | Is a “total stock market” index fund diverse enough alone? | [
"186575",
"580820",
"420316",
"459725",
"546075",
"38070"
] | [
"You're missing the concept of systemic risk, which is the risk of the entire market or an entire asset class. Diversification is about achieving a balance between risk and return that's appropriate for you. Your investment in Vanguard's fund, although diversified between many public companies, is still restricted ... |
3487 | What is the difference between “good debt” vs. “bad debt”? | [
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"1472",
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] | [
"\"The word \"\"good\"\" was used in contrast to \"\"bad\"\" but these words are misused here. There are three kinds of debt: Debt for spending. Never go into debt to buy consumables, go out for a good time, for vacations, or other purchases with no lasting financial value. Debt for depreciating assets, such as ca... |
3489 | What is the difference between a stock and a bond? | [
"548102",
"551893",
"235391"
] | [
"WilliamKF explained it pretty well, but I want to put it in a more simplistic form:",
"A stock is an ownership interest in a company. There can be multiple classes of shares, but to simplify, assuming only one class of shares, a company issues some number of shares, let's say 1,000,000 shares and you can buy sh... |
3491 | Is the Net Profit the 'final word' on a company's health? | [
"347946"
] | [
"\"To answer your question briefly: net income is affected by many things inside and outside of management control, and must be supplemented by other elements to gain a clear picture of a company's health. To answer your question in-depth, we must look at the history of financial reporting: Initially, accounting wa... |
3492 | If a startup can always issue new shares, what value is there to stocks/options? | [
"154841",
"285041",
"267266"
] | [
"The short answer, probably not much. Unless you have a controlling interest in the company. If at least 50%+1 of the shareholder votes are in favor of the dilution then it can be done. There are some SEC rules that should protect against corporate looting and theft like what the Severin side is trying to make i... |
3493 | If I own x% of company A, and A buys company B, do I own x% of B? | [
"291749",
"537036"
] | [
"No, thanks to the principle of corporate personhood. The legal entity (company C) is the owner and parent of the private company (sub S). You and C are separate legal entities, as are C and S. This principle helps to legally insulate the parties for purposes such as liability, torts, taxes, and so forth. If com... |
3494 | Is it really possible to get rich in only a few years by investing? | [
"249055",
"82627",
"340482",
"339053",
"110681"
] | [
"Yes, it's possible. However, it's not likely, at least not for most people. Earning a million is not that difficult, but when you talk about billions that's an entirely different story. I think the key point that you're missing is leverage. It's common knowledge that Warren Buffett likes to have a huge cash warche... |
3496 | When paying estimated quarterly taxes, can I prorate the amount based on the irregular payment due dates? | [
"502196",
"448615"
] | [
"Varying the amount to reflect income during the quarter is entirely legitimate -- consider someone like a salesman whose income is partly driven by commissions, and who therefore can't predict the total. The payments are quarterly precisely so you can base them on actual results. Having said that, I suspect that ... |
3497 | Can banks deny that you've paid your loan? | [
"248697",
"140038",
"159273"
] | [
"Maybe there's more to this story, because as written, your sister seems, well, a little irrational. Is it possible that the bank will try to cheat you and demand that you pay a loan again that you've already paid off? Or maybe not deliberately cheat you, but make a mistake and lose track of the fact that you paid?... |
3498 | What's the folly with this stock selection strategy | [
"171135"
] | [
"\"You are probably going to hate my answer, but... If there was an easy way to ID stocks like FB that were going to do what FB did, then those stocks wouldn't exist and do that because they would be priced higher at the IPO. The fact is there is always some doubt, no one knows the future, and sometimes value only ... |
35 | Valuing a small business to invest in | [
"498681",
"80913"
] | [
"There is nothing fair / unfair in such deals. It is an art than a science. what kind of things should be considered, to work out what would be a fair percentage stake A true fair value is; take the current valuation of the company [This can be difficult if it is small and does not maintain proper records]. Divide... |
3501 | Paid cash for a car, but dealer wants to change price | [
"406225",
"131255",
"247371",
"233479",
"490352",
"44085",
"87351",
"357280",
"253596",
"150278",
"120080",
"164702",
"484734"
] | [
"Let me get this straight. I would stand my ground. Your son negotiated in good faith. Either they messed up, or they are dishonest. Either way your son wasn't the one supposed to know all the internal rules. I don't think it matters if they cashed the check or not. I would tell them if they have cashed it, that is... |
3502 | What is a Student Loan and does it allow you to cover a wide range of expenses relating to school? | [
"231283",
"119117",
"583040",
"202632"
] | [
"Student loan is a class of unsecured loan. The characteristics that define a student loan are, primarily, that it is a loan that is intended to be used by someone who is currently a student. Beyond that, though, there are many variations. The different kinds of requirements usually have to do with who is eligibl... |
3504 | Owing state tax Interest and a result of living in Maryland and working in Virginia | [
"117877",
"38249"
] | [
"Ultimately, you are the one that is responsible for your tax filings and your payments (It's all linked to your SSN, after all). If this fee/interest is the result of a filing error, and you went through a preparing company which assumes liability for their own errors, then you should speak to them. They will like... |
3505 | Is it true that if I work 6 months per year, it is better than to work for 1 calendar year and take a break for 1 year? | [
"232903",
"396066"
] | [
"In many cases spanning across years will indeed be beneficial. Deductions: You get to take twice as much in deductions (twice the standard deduction, or itemizing - if you can) when you span over two years than in one. IRA: You can only contribute in years when you have earned income. You have all the income in y... |
3508 | Understanding the Nasdaq insider trading information | [
"279782",
"6751",
"583403"
] | [
"\"Usually insiders are in a better position than you to understand their business, but that doesn't mean they will know the future with perfect accuracy. Sometimes they are wrong, sometimes life events force them to liquidate an otherwise promising investment, sometimes their minds change. So while it is indeed va... |
3509 | Withdrawing large sums of money | [
"309388"
] | [
"This is determined by each banking institution. In general, if making the withdrawal in person, the limit is based on what you have in your account, but many ask for advance notice when withdrawing more than $5000. They may still allow a larger withdrawal without notice, but usually have a policy in place and wi... |
3510 | Connection between gambling and trading on stock/options/Forex markets | [
"67006",
"146204",
"62552",
"175564"
] | [
"For stocks, I would not see these as profiting at the expense of another individual. When you purchase/trade stocks, you are exchanging items of equal market value at the time of the trade. Both parties are getting a fair exchange when the transaction happens. If you buy a house, the seller has not profited at yo... |
3511 | The cost of cleaning the house that we rented far exceeds the security deposit. Should we bother? | [
"361314"
] | [
"\"I am surprised at the amount of work this contract wants done. I'd question if it's even legal given the high costs. I suspect it's only there to remind abusive tenants of responsibilities they already have in law for extraordinary abuse beyond ordinary wear-and-tear: they are already on the hook to repaint if... |
3514 | For how long is a draft check valid, and where do the funds sit? | [
"122182",
"67146"
] | [
"\"To answer length validity and security implications of draft checks issued and negotiated within the United States, I am heavily addressing the common erroneous assumptions of where the funds sit while they're \"\"in\"\" a draft check and how to get them out. Tl;Dr The existing answers are incomplete and in some... |
3516 | Where to start with personal finance? | [
"12590",
"564454",
"273618",
"30825",
"481401",
"361329",
"151375"
] | [
"\"First thing I'd say is don't start with investing. The foundation of solid finances is cash flow. Making more than you spend, reliably; knowing where your money goes; having a system that works for you to make sure you make more than you spend. Until you have that, your focus may as well be on getting there, bec... |
3517 | Making $100,000 USD per month, no idea what to do with it | [
"134037",
"528296",
"304919",
"120700",
"74402",
"83177",
"296690",
"314242",
"238786"
] | [
"\"I know your \"\"pain\"\". But don't worry about investing the money right now -- leave it uninvested in the short term. You have other stuff you need to school up on. Investment will come, and it's not that hard. In the short term, focus on taxes. Do some \"\"mock\"\" run-throughs of your expected end-of-ye... |
3518 | Hiring a teenager as a household employee | [
"576170",
"133020"
] | [
"First you need to ensure that you are not violating any Federal child labor laws. I would look at this: U.S. Dept of Labor, Wage & Hour Div., Standards for 14- and 15-Year Olds in Nonagricultural Employment. These were the items that pertained to Federal Law, for 14 year olds: 14 is the minimum age for employment ... |
3519 | How can I escalate a credit dispute when the bureau “confirms” the item? | [
"531137"
] | [
"\"I was I a similar position as you, and sometimes credit bureaus might be difficult to deal with, especially when high amounts of money are involved. To make the long story short, someone opened a store credit card under my name and made a charge of around 3k. After reporting this to the bureaus, they did not wan... |
3520 | Choosing the “right” NAPFA advisor, and whether fees are fair, etc.? | [
"174122",
"359303",
"381386"
] | [
"Some sample prices for straightforward pay-for-hours-or-deliverables planners: I think I've seen some similar rates elsewhere, too. I'd feel like you might get something perfunctory and boilerplate for too much less than $1000 - how could the person afford to spend much time? - and I'd feel like lots more than $10... |
3521 | How do amortization schedules work and when are they used? | [
"105345",
"468904",
"502773",
"394179"
] | [
"An amortization schedule is often used to produce identical payments for the term (repayment period) of a loan, resulting in the principal being paid off and the debt retired at the end of the loan. This is in contrast to an interest only, or balloon loan. These loans require little or no payment against the balan... |
3522 | Are bonds really a recession proof investment? | [
"440856",
"303037",
"420978",
"313669",
"269064",
"441133",
"108859"
] | [
"No, they are not recession proof. Assume several companies, that issued bonds in the fund, go bankrupt. Those bonds could be worthless, they could miss principle payments, or they could be restructured. All would mean a decline in value. When the economy shrinks (which is what a recession is) how does the Fed ... |
3524 | What happens after a counterparty defaults on a derivative trade? | [
"248758"
] | [
"\"The answer is in your question: derivatives are contracts so are enforced in the same way as any other contract. If the counterparty refuses to pay immediately they will, in the first instance be billed by any intermediary (Prime Broker etc.) that facilitated the contract. If they still refuse to pay the contra... |
3526 | What is the meaning of public stock price data from before the official first day of trading? [duplicate] | [
"467936"
] | [
"For the case of spinoffs it reflects the market as activities as the specific steps that have to be followed take place. For example the spinoff of Leidos from SAIC in 2013. (I picked this one becasue I knew some of the details) On September 9, 2013, the Board of Directors of SAIC, Inc.(Ticker Symbol (NYSE):SAI)... |
3527 | What if 40% of the remaining 60% Loan To Value (ratio) is not paid, or the borrower wants to take only 60% of the loan? | [
"358795",
"584278",
"496819",
"93017",
"75961"
] | [
"\"The loan-to-value ratio (LTV Ratio) is a lending risk assessment ratio that financial institutions and others lenders examine before approving a mortgage. It sounds like your lender has a 60% requirement. Remember the home is the collateral for the loan. If you stop making payments, they can take the house back... |
3529 | What do people mean when they talk about the central bank providing “cheap money”? What are the implications for the stock market? | [
"358736",
"180148",
"554082"
] | [
"Companies with existing borrowings (where borrowings are on variable interest rates) or in the case with fixed interest rates - companies that get new borrowings - would pay less interest on these borrowings, so their cost will go down and profits up, making them more attractive to investors. So, in general lower... |
3532 | Free brokerage vs paid - pros and cons | [
"583062",
"95683",
"310112"
] | [
"\"Emotion aside, you can calculate the cost of the funds you have tied up at the bank. If I can earn 5% in a CD, my \"\"free\"\" checking with minimum $5000 balance really costs me $250/yr. You have money tied up, I understand, but where would you place it otherwise, and at what return? The subject of frequent t... |
3536 | How does a change in market cap affect a company's operational decisions? | [
"287092",
"459431"
] | [
"It basically only affects the company's dealings with its own stock, not with operational concerns. If the company were to offer more stock for sale, it would get less cash. If it had a stock buy-back program, it could buy more shares for the same money. If it was to offer to acquire another company in exchange... |
3537 | VAT in UK, case of cultural industry and overseas invoices | [
"378060"
] | [
"Your answer will need loads of information and clarification, so I will ask you to visit the VAT and have a peruse. 1) Obligation is for you to find out the correct rate of VAT, charge and pay tax accordingly. You can call up the HMRC VAT helpline for help, which they will be happy to oblige. Normally everybody pa... |
3538 | Buying a home without a Real Estate Agent - Who should I get to do the paperwork? | [
"351584",
"64005",
"387908",
"87157"
] | [
"Generally, the paperwork realtors use is pre-written and pre-approved by the relevant State and real-estate organizations. The offers, contracts, etc etc a pretty straightforward and standard. You can ask a realtor for a small fee to arrange the documents for you (smaller than the usual 5% sellers' fee they charge... |
3540 | Questions about government bonds that have already matured | [
"278656"
] | [
"I am assuming that you are talking about US Savings Bonds: Here is a page that talks about maturity dates of US Savings bonds. If They aren'tSavings bonds but are another type ofUS Government Bond Assuming they are Savings bonds, here is information regarding redeeming of bonds. How do I redeem my EE/E Bonds? Ele... |
3541 | What are the key facts to research before buying shares of a company? | [
"171629"
] | [
"\"I have my \"\"safe\"\" money in index funds but like to dabble in individual stocks. My criteria and thought process are usually like this, let's use SBUX as an example: Understand what the company does. Also paraphrased as \"\"buy what you know\"\". A profitable/growing business doesn't need to be complicated. ... |
3544 | Why do the 1 and 2 euro cent coins exist and why are they used? | [
"223820",
"75486"
] | [
"While dealing with US pennies and not 1 and 2 cent euro pieces, you may find this Wikipedia article of interest and analogous: Penny debate in the United States This article briefly summarizes both the arguments for and against retaining the one cent piece. The arguments against include: Arguments for preservatio... |
3545 | Is my mortgage more likely to be sold if I pre-pay principal? | [
"237043",
"123535",
"87032"
] | [
"\"There are two ways that mortgages are sold: The loan is collateralized and sold to investors. This allows the bank to free up money for more loans. Of course sometime the loan may be treated like in the game of hot potato nobody want s to be holding a shaky loan when it goes into default. The second way that a l... |
3546 | What should I do to pick the right consultant to open offshore bank account | [
"226568"
] | [
"\"It is unusual to need a consultant to open a bank account for you, and I would also be concerned that perhaps the consultant could take the money and do nothing, or continue to demand various sums of money for \"\"expenses\"\" like permits, licenses, identity check, etc. until you give up. Some of the more a... |
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