question_id stringlengths 1 5 | question stringlengths 14 158 | pos_item_ids listlengths 1 23 | pos_item_contents listlengths 1 23 |
|---|---|---|---|
3547 | Importance of dividend yield when evaluating a stock? | [
"521274",
"245117",
"189142",
"102138",
"144775"
] | [
"But I wish to know why the parameter is dividend/market price rather than just 'dividend'? What 'extra' info you can uncover by looking at dividend/market price that you cannot get from 'dividend'? Consider two stocks A and B. A offers a dividend of $1 per year. B offers a dividend of $2 per year. Let's remove all... |
3548 | Buying a car and learning to drive versus paying up study loans | [
"205817"
] | [
"Welcome to Money.SE. It appears there's public transportation to get you to work? And the area by your house is walkable? i.e. you and your wife can get groceries and other needs by walking. If it will take 5 years to pay the loans even without a car, how long if you get one? Will you even be able to afford the pa... |
3549 | Why is there two currencies in Venezuela's money? | [
"148454"
] | [
"Venezuela is a command economy, and one that isn't doing terribly well right now, with rampant inflation in the several hundred percent range. As such, they've tried to limit or eliminate exchanges between their currency and foreign currencies. Currently, they allow a limited amount of exchange at fixed rates (ac... |
3551 | Can an IRA be taxed? | [
"36935"
] | [
"The Motley Fool article is correct that if you earn UBTI over $1000, you will need to pay the tax, even if held in an IRA. C-corps won't generate UBTI, so you're fine with those. For non-C-corps, the most common are REITs, MLPs, and BDCs. REITs These typically invest in either real estate property or mortgag... |
3552 | Do people tend to spend less when using cash than credit cards? | [
"126171",
"477811",
"42668",
"86716",
"300461",
"364445",
"16548",
"454412",
"456095"
] | [
"\"I found the study \"\"The irrationality of payment behaviour\"\" accidentally while searching on the term \"\"DNB Study\"\" instead of \"\"D&B Study\"\". This study, which, when I followed the link, went to the web site dnb.nl (Dutch National Bank), instead of dnb.com (Dun & Bradstreet). It mentions all the sa... |
3553 | Can after-hours trading affect options pricing? | [
"467463",
"51218"
] | [
"Typically the settlement price for a financial instrument (such as AAPL stock) underlying a derivative contract is determined from the average price of trading in that instrument during some short time window specified by the exchange offering the derivative. (Read the fine print on your contract to learn the exa... |
3555 | Purchasing a home using collateral | [
"223338",
"287458"
] | [
"Since you only own half of the house, you would most likely need the cooperation of whoever owns the other half in order to use it as collateral for a loan, but if you can do that, there's no reason you couldn't do what you're talking about. The complication is that if you default on the loan, the bank isn't goin... |
3556 | What do Earnings Per Share tell potential shareholders? | [
"319894",
"288403"
] | [
"",
"Earnings per share is the company profit (or loss), divided by the number of outstanding shares. The number should always be compared to the share price, so for instance if the EPS is $1 and the share price is $10, the EPS is 10% of the share price. This means that if the company keeps up this earning you sh... |
3558 | Is giving my girlfriend money for her mortgage closing costs and down payment considered fraud? | [
"163733",
"47572",
"232322",
"348107",
"495082",
"479444",
"275444",
"538681",
"466943",
"278991"
] | [
"\"With the standard \"\"I am not a lawyer\"\" disclaimer, consider this question: If you and your girlfriend split up sometime after purchasing the house but before getting married, would you expect her to repay you for the closing costs and downpayment? That is, if you write her a check for $5k, and 6 months aft... |
3560 | Freelancing and getting taxes taken out up front instead of end of year? | [
"179359",
"496309"
] | [
"\"It seems that you think you are freelancing, and they think you are an employee. What's bad for you, the tax office will also think you are an employee if they withhold tax for you. Alternatively, they think you are stupid, and they keep the money, but are actually not paying it to the tax office at all, in whic... |
3561 | Is the very long-term growth of the stock market bound by aggregate net income? | [
"289270"
] | [
"I am a believer in that theory. My opinion is that over the long term, we can expect 25% of income to reflect the payment on one's mortgage, and if you drew a line over time reflecting the mortgage this represents plus the downpayment, you'd be very close to a median home price. The bubble that occurred was real, ... |
3562 | Personal Loan issuer online service | [
"401628",
"49354",
"94435"
] | [
"http://www.calcamo.net/loancalculator/simulation/fixed-rate-loan.php5 This website is a calculator only and has some extra features that take into account late payments, paying extra to reduce principal, and has the ability to export amortization table to excel that you could use to keep track of the loan. If yo... |
3564 | Account that is debited and account that is credited | [
"28477",
"32522",
"217629",
"26357",
"264565"
] | [
"Strictly speaking the terms arise from double entry book keeping terminology, and don't exactly relate to their common English usage, which is part of the confusion. All double entry book keeping operations consist of a (debit, credit) tuple performed on two different books (ledgers). The actual arithmetic operat... |
3565 | How safe is a checking account? | [
"301361",
"506233",
"452540",
"284694",
"458374",
"560622"
] | [
"While Rocky's answer is correct in the big picture there is another factor here to keep in mind: The disruption while you're waiting to resolve it. If a fraudster gets your card and drains your account you'll get your money back--but there will be a period while they are investigating that it won't be available. F... |
3567 | Will getting a new credit card and closing another affect my credit? | [
"579472",
"479827"
] | [
"\"Several events will always result in a reduction of your score, including: These will show up in the short term, but I don't think it's worth $40 per year in perpetuity to avoid this. These aren't serious \"\"black marks\"\" in the same category as missing payments, carrying too much debt, or foreclosures/evicti... |
3568 | Do I repay Social Security Disability Insurance (SSDI) if I suddenly have income and assets | [
"599485"
] | [
"\"There are two types of insurance, which causes some confusion. Social Security Disability Insurance (which you indicate you have) is insurance you can receive benefit from if you earn enough \"\"work credits\"\" (payroll taxes) prior to your disability onset. It is not a needs-based program. Supplemental Securit... |
3570 | On claiming mileage and home office deductions | [
"544381"
] | [
"\"Can she claim deductions for her driving to and from work? Considering most people use their cars mostly to commute to/from work, there must be limits to what you can consider \"\"claimable\"\" and what you can't, otherwise everyone would claim back 80% of their mileage. No, she can't. But if she's driving from ... |
3571 | what is the point of the part b late enrollment penalty? | [
"127821"
] | [
"\"The point of the enrollment penalty is basically the same as the ACA penalty. Any sort of health insurance - or really, any insurance - is funded by creating a risk pool of high and low risk people and pricing it so that the overall payments cover the total risk. That means, however, that on average the low r... |
3572 | Dispute credit card transaction with merchant or credit card company? | [
"583321",
"46433",
"266952",
"219846"
] | [
"\"You should dispute the transaction with the credit card. Describe the story and attach the cash payment receipt, and dispute it as a duplicate charge. There will be no impact on your score, but if you don't have the cash receipt or any other proof of the alternative payment - it's your word against the merchant,... |
3573 | Is it a good practice to keep salary account and savings account separate? | [
"22719",
"356125",
"467059",
"255842",
"451692",
"489959",
"173807",
"164801",
"114768",
"422908",
"178181",
"88867"
] | [
"\"This seems like a risky setup. All it takes is one missed or delayed transfer for you to overdraw your \"\"savings\"\". There is a benefit to keeping your regular expenses and savings separate, and I can see some benefits in having multiple checking accounts depending on how you organize your finances, but I d... |
3574 | Credit report - Not able to establish identity | [
"260623",
"105199",
"36833"
] | [
"It looks like from their response, they would like you to send a copy of your social security card. Your drivers license or passport will not help verify your social security number. Another option you could try is to get your credit report from one of the other credit bureaus. You should be able to choose from Ex... |
3575 | New company doesn't allow 401k deposits for 6 months, what to do with money I used to deposit? | [
"570449",
"403556",
"311192",
"523127",
"287225"
] | [
"$9000 over 6 months is great, I'd use it for long term savings regardless of the 401(k) situation. There's nothing wrong with a mix of pre and post tax money for retirement. In fact, it's a great way to avoid paying too much tax should your 401(k) withdrawals in retirement push you into a higher bracket. Just inve... |
3577 | Avoiding Double-Reporting Income (1099-MISC plus 1099-K) | [
"57229"
] | [
"Your clients should not send you 1099-MISC if they paid with a credit card. You can refer them to this text in the instructions for the form 1099-MISC: Payments made with a credit card or payment card and certain other types of payments, including third party network transactions, must be reported on Form 1099... |
3579 | What is a mutual fund? | [
"199493",
"578728"
] | [
"Let's say that you want to invest in the stock market. Choosing and investing in only one stock is risky. You can lower your risk by diversifying, or investing in lots of different stocks. However, you have some problems with this: When you buy stocks directly, you have to buy whole shares, and you don't have ... |
3580 | Why do people take out life insurance on their children? Should I take out a policy on my child? | [
"433018",
"462673",
"58774",
"156019",
"568929",
"107595",
"461056",
"332066"
] | [
"As you say life insurance is about covering the loss of income, so unless your child is an actor or musical prodigy or similar and already earning money, there is no income to cover, and in fact you would have less of a financial commitment without a child to provide for. The other angle is that child life insuran... |
3581 | Investing in a growth stock periodically | [
"245728"
] | [
"I would encourage you to read The Warren Buffett Way. Its a short read and available from most libraries as an audio book. It should address most of the ignorance that your post displays. Short term prices, offered in the market, do not necessarily reflect the future value of a company. In the short term the ... |
3582 | Credit cards: How is a cash advance different from a purchase? Why are the fees so high? | [
"361341",
"171398"
] | [
"Essentially speaking, when you purchase goods worth $100 using your card, the store has to pay about $2 for the transaction to the company that operates that stores' credit card terminal. If you withdraw cash from an ATM, you might be charged a fee for such a transaction. However, the ATM operator doesn't pay the... |
3583 | S&P is consistently beating inflation? | [
"541145",
"277666",
"86155"
] | [
"\"TL;DR: Because stocks represent added value from corporate profits, and not the price the goods themselves are sold at. This is actually a very complicated subject. But here's the simplest answer I can come up with. Stocks are a commodity, just like milk, eggs, and bread. The government only tracks certain co... |
3584 | Is there a standard check format in the USA? | [
"229546",
"518079",
"483098",
"558237"
] | [
"\"Legally, a check just needs to have a certain list of things (be an instruction to one's bank to pay a specific amount of money to bearer or to a specific entity, have a date, have a signature, etc.) There are anecdotes around of a guy depositing a junk mail check and it accidentally qualifying as a real check (... |
3585 | Why do stock prices change? [duplicate] | [
"335903",
"306782",
"326970"
] | [
"\"None of that is filtered my way as a \"\"part owner\"\". Sure it is, it's just not always obvious. When a company makes money it either: Other then the fourth option, the first three all increase the total value of the company. If you owned 1% of a company that was worth X, and is now worth X+1, the value of th... |
3586 | Was this bill forgotten by a medical provider, and do notices need to be sent before collections? | [
"188510",
"176357",
"294492"
] | [
"Seems like the straightforward answer is to call the provider and ask. They should be able to tell you if you owe them or not. Unfortunately, with small providers there is always a chance they won't get even that right; I would confirm exactly why they think you don't owe them anything if in fact you don't. Medi... |
3587 | What are the benefits to underwriters in a secondary offering? | [
"169548"
] | [
"Your impression about banks and bankers is very wrong. Wall street banks can and often do lose in transactions. In fact, banks go bankrupt and/or require massive bailouts to survive because they sometimes lose a ton of money. The business of investment banking often involves bearing risk for customers, which, b... |
3589 | Facebook buying WhatsApp for 19 Billion. How are existing shareholders affected? | [
"303112",
"186354",
"292893",
"364674"
] | [
"\"The answer to your question has to do with the an explanation of \"\"shares authorized, issued and outstanding.\"\" Companies, in their Articles of Incorporation, specify a maximum number of shares they are authorized to issue. For example purposes let's assume Facebook is authorized to issue 100 shares. Let's p... |
3590 | Remote jobs and incidental wage costs: What do I have to consider? | [
"326329",
"384541"
] | [
"In the US we have social security taxes, where for a full time employee the company pays half and the employee pays half. When you work as a business, what we call 1099 for the form that the wages are reported on, then the contractor pays the full amount of social security tax. There are times when a contractor c... |
3591 | When is an IPO considered failure? | [
"278268",
"459392"
] | [
"Different stakeholders have different views of 'failure'. Maybe from Air Berlin's point of view it was a failure, but technically speaking it is not really possible to 'fail'. As long as all shares were purchased, which is a virtual guarantee since the investment banks who underwrite the IPO by and large must do t... |
3593 | What are the tax liabilities for an Indian citizen working in the US? | [
"347186"
] | [
"Tax liability in US: You would need to determine if you are a resident alien or non resident alien. Resident alien are taxed normally as per US citizens. For the annual remuneration you have quoted it would be in the range of 25%. Refer http://www.moneychimp.com/features/tax_brackets.htm To determine if you are r... |
3595 | My bank refused to do a charge back | [
"136284",
"281573"
] | [
"Call Comcast during a non-peak time (first thing in the morning?), wait on hold, and politely explain what happened and request a $50 credit. Also politely request that your premium support request be handled for free given how much hassle you've had getting disconnected. They'll be able to tell your premium reque... |
3596 | Should I cancel an existing credit card so I can open another that has rewards? | [
"254968",
"268142",
"483018"
] | [
"Cancelled cards don't fall off the system for a long time, up to ten years. Card terms change, with notice of course, but it can happen at any time. I had a card with a crazy perk, 5% back in Apple Gift cards. This was pre-iPod days, but it was great to get a new computer every two years for free. But it was shor... |
3598 | How to rebalance a portfolio without moving money into losing investments | [
"473504",
"28425",
"148632",
"441176"
] | [
"You are very correct, rebalancing is basically selling off winners to buy losers. Of course the thinking is that selling a winner that has already increased 100% on the basis that it has doubled so it is likely to go down in the near future. However, just look at Apple as an example, if you bought Apple in June 20... |
3599 | Is it advisable to go for an auto loan if I can make the full payment for a new car? | [
"179891",
"291883",
"481852",
"317913"
] | [
"Full payment is always better than auto-loan if you are prudent with finances. I.E if you take a loan, you are factoring the EMI hence your savings will remain as is. However if you manage well, you can buy the car with cash and at the same time put aside the notional EMI as savings and investments. The other fact... |
36 | Starting a large business with a not so large income? | [
"275249",
"368649"
] | [
"\"There are three (or four) ways that a company can grow: (Crowdfunding is a relatively new (in mainstream businesses) alternative financing method where people will finance a company with the expectation that they will benefit from the product or service that they provide.) Obviously a startup has no prior income... |
3601 | US Bank placing a hold on funds from my paycheck deposit: Why does that make sense? | [
"187699",
"357612"
] | [
"It is possible that they only do the hold on the first deposit from a given source. It is probably worth asking if they intend to do the hold on every paycheck or just the first one.",
"\"First, congratulations on the paycheck! :-) On the holds: Is it possible that by allowing your account balance to go negativ... |
3602 | Determining current value for real estate for inheritance purposes | [
"565868",
"344186",
"319307"
] | [
"My question is... how is this new value determined? Does it go off of the tax appraised value? The tax assessors values are based on broad averages and are not very useful in determining actual home value. The most defensible valuation outside of a sale is a professional appraisal, real-estate agents may or may... |
3603 | Could the loan officer deny me even if I have the money as a first time home buyer? | [
"409573",
"79892",
"224332",
"75747",
"61014"
] | [
"A financial institution is not obligated to offer you a loan. They will only offer you a loan if they believe that they will make money off you. They use all the info available in order to determine if offering you a loan is profitable. In short, whether they offer you a loan, and the interest rate they charge fo... |
3606 | GnuCash: expense tracking/amounts left under limits | [
"485102"
] | [
"\"Yes. The simplest option to track your spending over time is to familiarize yourself with the \"\"Reports\"\" menu on the toolbar. Take a look specifically at the \"\"Reports > Income/Expense > Income Statement\"\" report, which will sum up your income and spending over a time frame (defaults to the current ye... |
3610 | Why can't the government simply payoff everyone's mortgage to resolve the housing crisis? | [
"542678",
"512669",
"244268",
"44360",
"566945",
"275410"
] | [
"Could it be done? Yes, it could, subject to local law. A variant of such an approach has been suggested for those countries experiencing collapse of demand. One might consider whether whether it applied to secured loans (such as mortgages), unsecured loans, or both; whether it would be capped at a certain absolute... |
3611 | What are my options for this high interest student loan? | [
"549359"
] | [
"\"There is no magic formula to this, quite simply: earn, cut expenses, and pay. It sounds like you can use a little bit of help in the earning area. While it sounds like you are career focused (which is great) what else can you do to earn? Can you start a low cost of entry side business? Examples would includ... |
3613 | Why does the Fed use PCE over CPI? | [
"52404",
"211256",
"148228"
] | [
"Consumers aren't the only economic participants impacted by a change in the Fed rate.... Inflation has WIDE ranging implications from the future liabilities of pension funds to the ongoing cost of our national debt. It doesn't make sense to consider only consumer inflationary experience. PCE is considered becaus... |
3614 | How to find out if a company is legit? | [
"272862",
"513980"
] | [
"It depends greatly from place to place, but nothing beats the Internet reviews' research. If you can't find anything digging slightly deeper than the impressive home page, then you probably should be worried. As it seems that you are. Specifically, I do these: @JohnFX mentions a valid point: check for physical pre... |
3616 | For the first time in my life, I'm going to be making real money…what should I do with it? | [
"141032",
"364666",
"335436",
"480402",
"474896"
] | [
"\"Fool's 13 steps to invest is a good starting point. Specifically, IFF all your credit cards are paid, and you made sure you've got no outstanding liabilities (that also accrues interest), stock indexes might be a good place for 5-10 years timeframes. For grad school, I'd probably look into cash ISA (or local equ... |
3618 | What is a “Junk Bond”? | [
"76776",
"311940",
"549640"
] | [
"\"A junk bond is, broadly, a bond with a non-negligible risk of default. (\"\"Bond\"\" ought to be defined elsewhere, but broadly it's a financial instrument you buy from a company or government, where they promise to pay you back the principal and some interest over time, on a particular schedule.) The name \"\"... |
3619 | When do companies typically announce stock splits? | [
"500250"
] | [
"\"In 2005, Apple announced a split on Feb 11... CUPERTINO, California — February 11, 2005 — Apple® announced today that its Board of Directors has approved a two-for-one split of the Company’s common stock and a proportional increase in the number of Apple common shares authorized from 900 million to 1.8 billion. ... |
3620 | Precious metal trading a couple questions | [
"355315",
"178446"
] | [
"\"Limited Price is probably equivalent to the current par value of a \"\"limit order\"\". Markets move fast, and if the commodity is seeing some volatility in the buy and sell prices, if you place an ordinary buy order you may not get the price you were quoted. A \"\"limit order\"\" tells your broker or whomever o... |
3621 | How does a high share price benefit a company when it is raising funds? | [
"21975",
"535043",
"178296",
"177093"
] | [
"\"In an IPO (initial public offering) or APO (additional public offering) situation, a small group of stakeholders (as few as one) basically decide to offer an additional number of \"\"shares\"\" of equity in the company. Usually, these \"\"shares\"\" are all equal; if you own one share you own a percentage of the... |
3622 | Why could rental costs for apartments/houses rise while buying prices can go up and down? | [
"3217",
"5759",
"84441",
"196292",
"502291"
] | [
"I am from Australia, so my answer is based on my experience over here, however it should be similar for the USA. Generally, what determines both the price of houses/apartments and the rents for them is supply and demand. When there is high demand and low supply prices (or rents) generally go up. When there is low ... |
3624 | Do bond interest rate risk premiums only compensate for the amount investors might lose? | [
"283074",
"10526"
] | [
"In answer to your last formulation, no. In a perfectly efficient market, different investors still have different risk tolerances (or utility functions). They're maximizing expected utility, not expected value. The portfolios that maximize expected utility for different risk preferences are different, and thus ge... |
3627 | Making an offer on a property - go in at market price? | [
"516503",
"66182",
"206258",
"120061",
"149215"
] | [
"\"Firstly, the agent doesn't work for you. He works for himself. It's in his interest not to get you a house at the lowest cost but to sell you a house. The higher the price the higher his commission is, or the higher the probability that the seller will sell it meaning less work for him. It depends on the market... |
3628 | Is it possible to split taxation of funds earned from a crowdfunding campaign over multiple years? | [
"463595"
] | [
"\"I think you should really start a limited company for this. It'll be a lot simpler to spread the income over multiple years if your business and you have completely separate identities. You should also consult an accountant, if only once to understand the basics of how to approach this. Having a limited company ... |
3629 | Higher auto insurance costs: keep car or switch to public transit? | [
"205401",
"181749",
"260146",
"542530"
] | [
"\"Looking at your numbers, I would definitively consider selling the car, and use the public transportation instead. You could easily save $450 month, plus gas and maintenance. As you mentioned, public transportation will be only a fraction of this amount, so you might end up saving around $400 monthly. If you dec... |
3631 | Smartest Place to Put Tax Refund | [
"16032",
"396889"
] | [
"\"Congratulations on your graduation and salary. You are in a great career field (I know from experience.) As a background, I would feel pretty confident in your salary as demand for SE is pretty high right now. During my career there were times that demand was pretty to very low. Somehow I survived 2001 & 200... |
3632 | Should I sell a 2nd home, or rent it out? | [
"148299",
"289594",
"324893",
"242321",
"254676",
"319555",
"158887",
"119379",
"86909",
"359177"
] | [
"\"So here are some of the risks of renting a property: Plus the \"\"normal\"\" risk of losing your job, health, etc., but those are going to be bad whether you had the rental or not, so those aren't really a factor. Can you beat the average gain of the S&P 500 over 10 years? Probably, but there's significant risk... |
3634 | How companies choose earnings release dates, & effect on Implied Volatility | [
"134419"
] | [
"\"I can't speak authoritatively to your broader question about stocks in general, but in several years tracking AAPL closely, I can tell you that there's little apparent pattern to when their earnings call will be, or when it will be announced. What little I do know: - AAPL's calls tend to occur on a Tuesday more... |
3635 | How can I increase my hourly pay as a software developer? | [
"419436",
"469972",
"69565",
"352586",
"187163"
] | [
"Short term: ask for a raise or look for a new job that pays more. Longer term:",
"\"It's a tough thing to do. You should look for a salaried position. Your freelance skills will be much better received, if you've worked for a couple of companies doing programming full time. Nothing beats working at it all day... |
3637 | How to negotiate when you have something to give back? | [
"450775",
"30394"
] | [
"NEVER combine the negotiations for trade-in of an old car and purchase of a new one (and/or financing), if you can avoid doing so. Dealers are very good at trading off one against the other to increase their total profit, and it's harder for you to walk away when you have to discard the whole thing. These are sepa... |
3638 | Slow destruction on co-signed property | [
"551393"
] | [
"\"First off learn from this: Never cosign again. There are plenty of other \"\"tales of woe\"\" outlined on this site that started and ended similarly. Secondly do what you can to get off of the loan. First I'd go back to her dad and offer him $1000 to take you off the loan and sign over the car. Maybe go up t... |
3640 | Should I scale down my 401k? | [
"568443",
"584627",
"108845",
"61524"
] | [
"Because stock markets don't always go up, sometimes they go down. Sometimes they go way down. Between 2007 and 2009 the S&P 500 lost over half its value. So if in 2007 you thought you had just enough to retire on, in 2009 you'd suddenly find you had only half of what you needed! Of course over the next few years, ... |
3642 | Exotic Car Flipping as a Strategic Investment? (US-CAN) | [
"491897"
] | [
"\"You can greatly reduce the risk if you can line up a buyer prior to purchasing the car. That kind of thing is common in business, one example is drop shipping. Also there are sales companies that specialize in these kinds of things bringing manufacturers of goods together with customers. The sales companies n... |
3643 | How to protect your parents if they never paid Social Security? | [
"156571",
"376703",
"23309"
] | [
"Wow. She really is in a pickle. Even though I can intellectualize that she ought have paid more attention to her family's finances, and assuming she wasn't complicit in her husband's obvious tax evasion, I can sympathize to some extent. This is a great demonstration of how dangerous it is to just let your spouse ... |
3644 | Should I buy a home or rent in my situation? | [
"596111",
"359787",
"115862",
"439566",
"467211",
"389916",
"23533",
"17428"
] | [
"\"If I were you, I would rent. Wait to buy a home. Here is why: When you say that renting is equal in cost to a 30-year mortgage, you are failing to consider several aspects. See this recent answer for a list of things that need to be considered when comparing buying and renting. You have no down payment. Betw... |
3645 | Cheapest way to wire or withdraw money from US account while living in Europe | [
"60020",
"453221",
"52720",
"361475"
] | [
"I prefer to use a Foreign Exchange transfer service. You will get a good exchange rate (better than from Paypal or from your bank) and it is possible to set it up with no transfer fees on both ends. You can use an ACH transfer from your US bank account to the FX's bank account and then a SEPA transfer in Europe ... |
3647 | Is the amount taxable if my grandfather sells agricultural land | [
"59795"
] | [
"As your is a very specific case, please get an advice of CA. It should not cost you much and make it easier. The sale of agriculture land is taxable in certain conditions and exempt from tax in other cases. Sale of agricultural land is subject to capital gains tax. But there are certain exemptions under Section 54... |
3648 | Apartment Security Deposit refunds in Maryland | [
"592117"
] | [
"In Maryland, a landlord must hold your security deposit in an escrow account and pay you interest when returning the deposit. The interest is simple interest; it does not compound. The interest rate that they must pay has changed over the last 43 years. Before October 1, 2004, the rate was 4%. Until January 1, ... |
3649 | Are the guaranteed returns of regulated utilities really what they sound like? | [
"508753",
"342554"
] | [
"Typically a private company is hit by demand supply issues and cost of inputs. In effect at times the cost of input may go up, it cannot raise the prices, because this will reduce demand. However certain public sectors companies, typically in Oil & Engery segements the services are offered by Public sector compani... |
3650 | College student - I'm a 'dependent' and my parents won't apply for the Parent PLUS loan or cosign a private loan | [
"366865",
"574575",
"37327",
"462609",
"221502"
] | [
"Smart parents not wanting to get stuck with a student loan or co-signing on a loan. because rent is so high Are you able to live with your parents? Is there anyway to reduce the cost of rent like renting a room? Can you move somewhere where the rent is cheaper? working 25 hours per week Working 25 hours per we... |
3651 | Should I pay off my car loan within the year? | [
"436840",
"305049",
"292038",
"399013",
"97162",
"190553",
"184175",
"459705",
"500946"
] | [
"Personally, I don't think that the interest from the car loan is worth the credit history you're building through it. There are other ways to build credit that don't require you to pay interest, like the credit card you mentioned (so long as you keep paying off the balance). So I'd go that route: ditch the auto lo... |
3653 | Which practice to keep finances after getting married: joint, or separate? | [
"299566",
"128350",
"548860",
"95150",
"432497",
"526982",
"441866",
"425397",
"277149"
] | [
"\"If you ask ten different couples what they do, depending on a variety of factors, you'll get anywhere between two and ten different answers. One personal finance blogger that I read swears by the fact that he and his wife keep their finances totally separate. His wife has her own retirement account, he has his.... |
3655 | Avoiding Capital Gains Long Term | [
"4830",
"23097"
] | [
"Yes, you could avoid capital gains tax altogether, however, capital gains are used in determining your tax bracket even though they are not taxed at that rate. This would only work in situations where your total capital gains and ordinary income kept you in the 0% longterm capital gains bracket. You can't realize... |
3656 | Should I pay cash or prefer a 0% interest loan for home furnishings? | [
"418801",
"245746",
"259228",
"75273",
"131327",
"439942",
"123071",
"373497",
"407274"
] | [
"There are several issues with paying for furniture and appliances with 0% credit instead of paying with cash. When you pay with 0% credit, you might be tempted to spend more on something than you would have if you paid with cash, because it feels like free money, and you've justified in your mind that the extra yo... |
3657 | What is the best asset allocation for a retirement portfolio, and why? | [
"291830",
"60032",
"418551",
"499166",
"250446",
"412331"
] | [
"\"You're right, the asset allocation is one fundamental thing you want to get right in your portfolio. I agree 110%. If you really want to understand asset allocation, I suggest any and all of the following three books, all by the same author, William J. Bernstein. They are excellent – and yes I've read each. F... |
3658 | Gigantic point amount on rewards card - what are potential consequences? | [
"419754",
"400515",
"595615",
"331155",
"272844",
"152449",
"320606",
"522991"
] | [
"\"I can't give you proper legal advice, but if I called their customer service and used half an hour of my time to wait and explain the situation in detail, and their official response was \"\"just use the points,\"\" I would do just that. Of course you would have stronger legal standing if you had recorded their ... |
3660 | Why does an option lose time value faster as it approaches expiry | [
"320184",
"350748",
"363335",
"278310",
"501276",
"237161"
] | [
"If you think about it, the value of an option comes from the chance that the price at the expiration date can exceed the strike price. As it gets closer to the expiration date, the chance is getting smaller, because there is simply not enough time for an out-of-money option to hit that strike. Therefore, the value... |
3661 | What would I miss out on by self insuring my car? | [
"406036",
"33914",
"157630",
"434749",
"446714",
"147837",
"69495",
"281040",
"495977"
] | [
"\"Convenience, and of course money. In case of an event, you'll have to spend the full worth of money to fix/replace, while if you're insured - you get the insurance to pay for it. It is up to you to decide, if the money saved on the lower premiums worth the risk of paying much more in case of an event. Of course,... |
3662 | Can Mutual Funds Invest In the Start Up Market? | [
"465820"
] | [
"\"Bloomberg suggests that two Fidelity funds hold preferred shares of Snapchat Inc.. Preferred shares hold more in common with bonds than with ordinary stock as they pay a fixed dividend, have lower liquidity, and don't have voting rights. Because of this lower liquidity they are not usually offered for sale on th... |
3665 | US tax for a resident NRI | [
"454563",
"283459"
] | [
"If you are tax-resident in the US, then you must report income from sources within and without the United States. Your foreign income generally must be reported to the IRS. You will generally be eligible for a credit for foreign income taxes paid, via Form 1116. The question of the stock transfer is more complic... |
3666 | How to withdraw money from currency account without having to lose so much to currency conversion? | [
"474460",
"43046",
"294613"
] | [
"If I understand your question, you're misunderstanding the buy/sell spread, and at least in this instance seem to be in an unfortunate situation where the spread is quite large. The Polish Zloty - GBP ideal exchange rate is around 5.612:1. Thus, when actually exchanging currency, you should expect to pay a bit mo... |
3667 | How do I get into investing? | [
"328477"
] | [
"\"Don't do it until you have educated yourself enough to know what you are doing. I hope you won't take this personally, but given that you are wandering around asking random strangers on the Internet how to \"\"get into investing,\"\" I feel safe in concluding that you are by no means a sophisticated enough inves... |
3671 | How are stock buybacks not considered insider trading? | [
"399480",
"96363",
"101551",
"269782",
"511510",
"339443"
] | [
"In fact, buybacks WERE often considered a vehicle for insider trading, especially prior to 1982. For instance, Prior to the Reagan era, executives avoided buybacks due to fears that they would be prosecuted for market manipulation. But under SEC Rule 10b-18, adopted in 1982, companies receive a “safe harbor” ... |
3672 | Co- Signed car loan and need to have the other signer relinquish claim to ownership | [
"141189",
"249017"
] | [
"The key here is the bank, they hold the title to the car and as such have the final say in things. The best thing you can do is to pay off the loan. Could you work like crazy and pay off the car in 6 months to a year? The next best thing would be to sell the car. You will probably have to cover the depreciation ... |
3674 | Cash flow implications of converting primary mortgaged residence to rental | [
"526499",
"175649",
"488881"
] | [
"The rental income is indeed taxable income, but you reduce the taxable portion of it by deducting expenses (including mortgage interest, maintenance, insurance, HOA, real estate tax, and of course depreciation). Due to the depreciation, you may end up breaking even, or having very little taxable income. Note that ... |
3677 | Does the IRS give some help or leniency to first-time taxpayers? | [
"555406",
"453257",
"45090"
] | [
"\"There's no such thing as \"\"leniency\"\" when enforcing the law. Not knowing the law, as you have probably heard, is not a valid legal defence. Tax law is a law like any other. That said, some penalties and fines can be abated if the error was done in good faith and due to a reasonable cause. First time penalti... |
3678 | Can a CEO short his own company? | [
"594367",
"451879",
"433260",
"428783",
"496781",
"36695"
] | [
"That would be the ultimate in insider trading. They made a stock transaction knowing in advance what was going to happen to the share price. They could easily expect to face jail time, plus the CEO would still face lawsuits from the board of directors, the stockholders and the employees.",
"\"mhoran_psprep has a... |
3680 | What are the differences between gold/siver “coin” vs. “round”? | [
"127832",
"397718"
] | [
"\"Coins are legal tender. They're authorized by governments and have a face value. Rounds are simply coined pieces of metal minted by private manufacturers. They do not have any face value and are not legal tender. Rounds are used to own metal, they have no value other than the value of the metal in them. Any prem... |
3681 | What happens if I just don't pay my student loans? | [
"177915",
"560749",
"117077",
"11885",
"567206"
] | [
"Same thing as for any debt: bank sues you, you lose, you are in an even deeper hole because you now owe them for the cost of the court case, your credit rating goes into the toilet, you may even have trouble retaining/finding a job. Being stupid is always more expensive.",
"employed under the table and doesn't h... |
3684 | Treatment of web domain ownership & reselling for tax purposes: Capital asset, or not? | [
"330288",
"197596"
] | [
"I must say that this is a question that you should hire a professional tax adviser (EA/CPA licensed in your State) to answer. It is way above our amateurs' pay-grade. That said, I'll tell you what I personally think on the issue. I'm not a licensed tax adviser, and nothing that I write here can be used in any way ... |
3685 | Why does it take so long to refund to credit card? | [
"2025",
"456361"
] | [
"\"It's not usually apparent to the average consumer, but there's actually two stages to collecting a payment, and two ways to undo it. The particular combination that occurs may lead to long refund times, on top of any human delays (like Ben Miller's answer addresses). When you pay with a credit card, it is typic... |
3686 | Am I still building a credit score if I use my credit card like a debit card? | [
"278071",
"401267",
"47979",
"159783"
] | [
"\"I strongly suggest you look at CreditKarma and see how each aspect of what you are doing impacts your score. Here's my take - There's an anti-credit approach that many have which, to me, is over the top. \"\"Zero cards, zero credit\"\" feels to me like one step shy of \"\"off the grid.\"\" It's so far to the rig... |
3687 | Implications of receiving small amounts of money on the side | [
"316925"
] | [
"HMRC may or may not find out about it; the risks and penalties involved if they do find out make it unwise not to just declare it and pay the tax on it. Based on the fact you asked the question, I am assuming that you currently pay all your tax through PAYE and don't do a tax return. You would need to register for... |
3688 | Personal loan to a friend procedure | [
"394191"
] | [
"If this isn't a case where you would be willing to forgive the debt if they can't pay, it's a business transaction, not a friend transaction. Establish exactly what the interest rate will be, what the term of the loan is, whether periodic payments are required, how much is covered by those payments vs. being due a... |
3689 | Under what circumstance will the IRS charge you a late-payment penalty for taxes? | [
"62811",
"46767",
"423892",
"151699",
"372036"
] | [
"\"The IRS provides a little more information on the subject on this FAQ: Will I be charged interest and penalties for filing and paying my taxes late?: If you did not pay your tax on time, you will generally have to pay a late-payment penalty, which is also called a failure to pay penalty. Some guidance on what co... |
3690 | Is VAT applied when a tradesman charges for materials? | [
"475607"
] | [
"The plumber will apply for and receive a refund of the amount of VAT he paid on the purchase amount. That's the cornerstone of how VAT works, as opposed to a sales tax. So for example: (Rounded approximate amounts for simplicity) Now, at each point, the amount between (original cost VAT) and (new VAT) is refunde... |
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