question_id stringlengths 1 5 | question stringlengths 14 158 | pos_item_ids listlengths 1 23 | pos_item_contents listlengths 1 23 |
|---|---|---|---|
3871 | At what point do index funds become unreliable? | [
"137736",
"126675",
"503734",
"366847",
"107819"
] | [
"\"A great deal of analysis on this question relies on misunderstandings of the market or noticing trends that happened at the same time but were not caused by each other. Without knowing your view, I'll just give the basic idea. The amount of active management is self-correcting. The reason people have moved out... |
3872 | Should I finance a new home theater at 0% even though I have the cash for it? | [
"314988",
"541595",
"380103",
"181657",
"169632",
"341912",
"301643",
"22483",
"167082",
"31413",
"578340",
"380368",
"565361",
"536503"
] | [
"\"Be very careful with this. When we tried this with furniture, they charged an \"\"administrative\"\" fee to setup the account. I believe it was about $75. So if you defer interest for one year on a $1000 purchase and pay a $75 administrative fee, it's 7.5% interest. Also, they don't always send you a bill whe... |
3873 | Trading : how to deal with crashes (small or big) | [
"215568",
"84853"
] | [
"caveat: remember that complex derivatives can be very bad for your wealth (even if you FULLY understand them).",
"You can buy out of the money put options that could minimize your losses (or even make you money) in the event of a huge crash. Put options are good in that you dont have to worry about not getting ... |
3877 | Starting with Stocks or Forex? | [
"146947",
"166220",
"528475",
"208916"
] | [
"Stick with stocks, if you are not well versed in forex you will get fleeced or in over your head quickly. The leverage can be too much for the uninitiated. That said, do what you want, you can make money in forex, it's just more common for people to not do so well. In a related story, My friend (let's call him ... |
3878 | Are multiple hard inquiries for a specific loan type okay? | [
"33987",
"230297"
] | [
"\"Assuming I don't need any other new lines of credit, can I get pre-qualified repeatedly (and with different banks) with impunity? Yes, but only for a limited period. FICO says: Hard inquiries are inquiries where a potential lender is reviewing your credit because you've applied for credit with them. These includ... |
3879 | Problems with Enterprise Value and better valuation techniques | [
"552343",
"446877",
"380851",
"189680"
] | [
"This is a tough question SFun28. Let's try and debug the metric. First, let's expand upon the notion share price is determined in an efficient market where prospective buyers and sellers have access to info on an enterprises' cash balance and they may weigh that into their decision making. Therefore, a desirable... |
3880 | I have a million dollars of disposable income. What should I do to best benefit the economy? | [
"325470"
] | [
"\"At first, I thought this might be too broad. There are of course thousands of things that you can do with your money to \"\"help the economy\"\". But I think that there is room to discuss some broad strokes without trying to list a thousand details. Regular investing (as you are now) helps the economy in tha... |
3881 | What should we consider when withdrawing a large amount of money from a bank account? | [
"37133",
"505461"
] | [
"\"withdraw in cash - bank reports it to IRS no matter what. Would this affect my tax filing in the coming year? No, and no. The bank doesn't report to the IRS. In the US - the bank will probably report to FinCEN. It has nothing to do with your tax return. withdraw in check - bank does not seem to report it. Is t... |
3882 | Tax On Unsold Mined Bitcoin | [
"447593",
"256261"
] | [
"Based on my research, the answer is both. You would pay taxes on the bitcoin you mine as income, and then capital gains tax when you sell them for a profit (or capital loss if you lose value on the sale). You can write off a portion of your electricity bill and hardware purchased for the use of mining as a busine... |
3883 | Is it common in the US not to pay medical bills? | [
"371188",
"565115",
"358661",
"192958",
"31301",
"482141",
"241458",
"432067",
"137449"
] | [
"\"Is it common in the US not to pay medical bills? Certainly not. What some might do, however, is not pay them immediately, with the intent to negotiate them down or get them written off. You can also see if there's a discount for paying immediately - I've had moderate success with this, but it was during a time... |
3885 | How do public-company buyouts work? | [
"79105",
"498676"
] | [
"\"Thanks for your question Dai. The circumstances under which these buyouts can occur is based on the US takeover code and related legislation, as well as the laws of the state in which the company is incorporated. It's not actually the case that a company such as Dell needs to entice or force every shareholder to... |
3886 | Why is it rational to pay out a dividend? | [
"477143",
"92516",
"401753",
"578261",
"247895",
"506447",
"133522"
] | [
"The main reason, as far as I can see, is that the dividends are payments with which the shareholders may do what they want. Capital that the company has no use for does not make a significant positive return on investment, as you pointed out, yes the company could accrue interest, but that is not going to make the... |
3887 | What exactly is a “bad,” “standard,” or “good” annual raise? If I am told a hard percentage and don't get it, should I look elsewhere? | [
"93157",
"295465",
"528970",
"168613",
"208261",
"434394",
"81188"
] | [
"\"TLDR: You will probably need to move to a different employer to get the raise you want/need/deserve. Some employers, in the US, punish longevity through a number of practices. My wife worked as a nurse for about 20 years. During that time she had many employers, leveraging raises with job changes. She quit n... |
3890 | Profiting from the PWC Money Tree | [
"496921"
] | [
"\"The hardest part seems to be knowing exactly when to sell the stock. Well yes, that's the problem with all stock investing. Reports come out all the time, sometimes even from very smart people with no motivation to lie, about expected earnings for this company, or for that industry. Whether those predictions co... |
3891 | How much do large sell orders affect stock price? | [
"337736",
"384345",
"547553"
] | [
"In general, how does a large open market stock sale affect prices? A very general answer, all other things being equal, the price will move down. However there is nothing general. It depends on total number of shares in market and total turn over for that specific shares. The order book for the day etc. What is th... |
3892 | How to deal with the credit card debt from family member that has passed away? | [
"264029",
"244733",
"565428",
"395152",
"295246",
"205865",
"169275",
"421652"
] | [
"Don't pay it, see a lawyer. Given your comment, it will depend on the jurisdiction on the passing of the house and the presence of a will or lack thereof. In some states all the assets will be inherited by your mom. Debts cannot be inherited; however, assets can be made to stand for debts. This is a tricky sit... |
3893 | $65000/year or $2500 every two weeks: If I claim 3 exemptions instead of zero, how much would my take home pay be? | [
"402404",
"3047",
"529689"
] | [
"\"Take a look at IRS Publication 15. This is your employer's \"\"bible\"\" for withholding the correct amount of taxes from your paycheck. Most payroll systems use what this publication defines as the \"\"Percentage Method\"\", because it requires less data to be entered into the system in order to correctly compu... |
3895 | Is it worth investing in Index Fund, Bond Index Fund and Gold at the same time? | [
"45970",
"403977",
"274833"
] | [
"\"Index funds can be a very good way to get into the stock market. It's a lot easier, and cheaper, to buy a few shares of an index fund than it is to buy a few shares in hundreds of different companies. An index fund will also generally charge lower fees than an \"\"actively managed\"\" mutual fund, where the mana... |
3896 | Car insurance (UK) excludes commute to and from work, will not pay on claim during non-commute | [
"324445",
"68842"
] | [
"\"Having worked in insurance, I can give you a few pointers. Firstly, state that you \"\"may have to complain\"\". Insurers hate complaints because they really complicate matters, are loads of work and must be tracked. I would advise not actually escalating it to a complaint until later as this may cause a delay a... |
3900 | Student loan payments and opportunity costs | [
"563009",
"96268",
"103093",
"577323",
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"26816",
"546070",
"187010",
"229572",
"123557"
] | [
"Ponder this. Suppose that a reputable company or government were to come out and say hey, we are going to issue some 10 year bonds at 6.4%. Anyone interested in buying some? Assume that the company or government is financially solid and there is zero chance that they will go bankrupt. Think those bonds would sell?... |
3903 | Is it true that more than 99% of active traders cannot beat the index? | [
"504301",
"414189",
"210514"
] | [
"What decision are you trying to make? Are you interested day trading stocks to make it rich? Or are you looking at your investment options and trying to decide between an actively managed mutual fund and an ETF? If the former, then precise statistics are hard to come by, but I believe that 99% of day traders woul... |
3904 | Switching Roth IRA ( from American Funds to Vanguard) | [
"569342"
] | [
"\"You can have as many IRA accounts as you want (whether Roth or Traditional), so you can have a Roth IRA with American Funds and another Roth IRA with Vanguard if you like. One disadvantage of having too many IRA accounts with small balances in each is that most custodians (including Vanguard) charge an annual ... |
3905 | What is “financial literacy” and how does one become “financially literate”? | [
"583666",
"414363"
] | [
"Wikipedia has a nice definition of financial literacy (emphasis below is mine): [...] refers to an individual's ability to make informed judgments and effective decisions about the use and management of their money. Raising interest in personal finance is now a focus of state-run programs in countries ... |
3906 | Equation to determine if a stock is oversold and by how much? | [
"306189",
"301547",
"559768"
] | [
"There are those who would suggest that due to the Efficient Market Hypothesis, stocks are always fairly valued. Consider, if non-professional posters on SE (here) had a method that worked beyond random chance, everyone seeking such a method would soon know it. If everyone used that method, it would lose its advant... |
3908 | Are low commission trading sites safe? | [
"586649",
"358770"
] | [
"\"Generally, yes. Rather than ask, \"\"why are these guys so cheap?\"\", you should be asking why the big names are so expensive. :) Marketing spend plays a big role there. Getting babies to shill for your company during the super bowl requires a heck of a lot of commissions. Due to the difficulties involved in s... |
3910 | How to get started with the stock market? [duplicate] | [
"150692",
"153348"
] | [
"\"There's several approaches to the stock market. The first thing you need to do is decide which you're going to take. The first is the case of the standard investor saving money for retirement (or some other long-term goal). He already has a job. He's not really interested in another job. He doesn't want to spend... |
3912 | As a US Permanent Resident, how much money I can send from the US to India in my NRE account per year? | [
"89662"
] | [
"I assume that you are a citizen of India, and are what Indian law calls a NRI (NonResident Indian) and thus entitled to operate an NRE (NonResident External) account in India. You can deposit US dollars into the NRE account, but the money is converted to Indian Rupees (INR) and held as INR. You can withdraw the ... |
3913 | Should I pay off my 50K of student loans as quickly as possible, or steadily? Why? | [
"512699",
"564206",
"555812",
"329277",
"27484",
"2348"
] | [
"The definitive answer is: It Depends. What are your goals? First and foremost, you need to have at least 3 months expenses in cash or equivalent. (i.e. an investment that you can withdraw from quickly, and without penalty). The good news is that you don't have to come up with it instantly. Set a time frame - one... |
3914 | Is house swapping possible? | [
"155358",
"497606"
] | [
"You would have to find someone in the other state who wanted to swap. This is conceivable but difficult if you want the houses to be the same value. How do you find the one person who lives in the right place now and wants to move to the right area? The normal way this situation is handled is to simply put you... |
3915 | Is it normal to think of money in different “contexts”? | [
"233007",
"115817",
"181792",
"11979"
] | [
"The psychology around money is the subject of a lifetime of study. Your observations are not uncommon. The market daily fluctuation is out of our control. Hopefully, by the time the 1% volatility impacts you by say $1,000, you'll have grown accustomed to it, so when the 1% is then $10,000, you won't lose sleep. ... |
3916 | OTC Stocks - HUGE gains? | [
"278889"
] | [
"\"Changing my answer based on clarification in comments. It appears that some of the securities you mentioned, including GEAPP, are traded on what is colloquially known as the Grey Market. Grey Sheets, and also known as the \"\"Gray Market\"\" is another category of OTC stocks that is completely separate from Pink... |
3918 | Are there any rules against penalizing consumers for requesting accurate credit reporting? | [
"268777",
"390461",
"450031"
] | [
"I think you're off base here. The bureaus only remove information if the creditor cannot verify any dispute within 30 days, or if the information's super old. If the creditor can provide corrected information, then the credit bureau is required to apply it to its own database. A dispute can be about the entire ... |
3919 | Where do traders take their prices data from? How can it be different from their brokers'? | [
"105343",
"501748"
] | [
"\"This is a complicated subject, because professional traders don't rely on brokers for stock quotes. They have access to market data using Level II terminals, which show them all of the prices (buy and sell) for a given stock. Every publicly traded stock (at least in the U.S.) relies on firms called \"\"market... |
3920 | Non-qualified Savings Plan vs. 401(k) for Highly Compensated Employee | [
"49614",
"290979"
] | [
"\"401k plans are required to not discriminate against the non-HCE participants, and one way they achieve this is by limiting the percentage of wages that HCEs can contribute to the plan to the average annual percentage contribution by the non-HCE participants or 3% whichever is higher. If most non-HCE employees c... |
3923 | Can a dealer keep my deposit (on a non-existant car) if my loan is not approved? | [
"430100"
] | [
"Without the contract it's hard to say for sure, but Consumer Reports indicates that it's pretty easy to lose these deposits; they're not as well protected as other deposits or purchases (depending on your state and other details). You should make an effort to comply with all of the requests from the financing arm... |
3924 | Received an unexpected cashiers check for over $2K from another state - is this some scam? | [
"214518",
"592785",
"213081",
"220644"
] | [
"\"It is likely a scam. In fact the whole mystery shopping \"\"job\"\" may be a scam. There is a Snopes page about cashier's check scams, as well as a US government page which specifically mentions mystery shopping as a scam angle. As for how the scam works, from the occ.gov site I just linked: However, cashier’s... |
3925 | How can I help others plan their finances, without being a “conventional” financial planner? | [
"273645",
"591812",
"494034",
"570611",
"133728",
"1962"
] | [
"\"In the UK there is a non-profit called the Citizen's Advice Bureau which provides free advice to people on a wide range of subjects, but including debt and budgeting. Consumer Credit Counselling Service provides explicit help but again, in the UK. A search for \"\"volunteer debt counsellor\"\" reveals a whole ho... |
3931 | How do wire transfers get settled? | [
"1897"
] | [
"Wire transfers normally run through either the Fedwire system or the Clearing House Interbank Payments System (CHIPS). The process generally works like this: You approach a bank or other financial institution and ask to transfer money. You give the bank a certain code, either an international bank account number o... |
3933 | How does one value Facebook stock as a potential investment? | [
"543996",
"459647",
"319568",
"225853"
] | [
"In the long term, a P/E of 15-25 is the more 'normal' range. With a 90 P/E, Facebook has to quadruple its earnings to get to normal. It this possible? Yes. Likely? I don't know. I am not a stock analyst, but I love numbers and try to get to logical conclusions. I've seen data that worldwide advertising is about $... |
3935 | I cosigned for a friend who is not paying the payment | [
"361263",
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"403969",
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"541298",
"24864",
"438893",
"174941",
"573138",
"318045"
] | [
"\"Cosigning is explicitly a promise that you will make the payments if the primary signer can not. Don't do it unless you are able to handle the cost and trust the other party will \"\"make you whole\"\" when they can... which means don't do it for anyone you would not lend your money to, since it comes out to abo... |
3938 | Why don't more people run up their credit cards and skip the country? | [
"99463",
"508343",
"162633",
"371513",
"251740"
] | [
"It's harder than you think. Once card companies start seeing your debt to credit line ratios climb, they will slash your credit lines quickly. Also, cash credit lines are always much smaller, so in reality, such a scheme would require you to buy goods that can be converted to cash, which dilutes your gains and ma... |
3939 | When one pays Quarterly Estimated Self Employment Taxes, exactly what are they paying? | [
"446117",
"156832"
] | [
"\"From the IRS page on Estimated Taxes (emphasis added): Taxes must be paid as you earn or receive income during the year, either through withholding or estimated tax payments. If the amount of income tax withheld from your salary or pension is not enough, or if you receive income such as interest, dividends, alim... |
3940 | Where can I lookup accurate current exchange rates for consumers? | [
"259780",
"439779",
"43152"
] | [
"What you see on XE, is the rate at which it is being traded in the market. What you receive from a broker is the rate minus a fee, for the service being provided. You can check what rates are available for visa and mastercard on the following websites. Visa rates Mastercard rates I want to shop in the currency th... |
3942 | Can landlord/property change unit after approval and payment of fees? | [
"72722"
] | [
"\"Without the specifics of the contract, as well as the specifics of the country/state/city you're moving to, it's hard to say what's legal. But this also isn't law.se, so I'll answer this from the point of view of personal finance, and what you can/should do as next steps. Whenever paying an application fee or a... |
3943 | How to get rid of someone else's debt collector? | [
"357481",
"500671",
"494116",
"115172",
"334137"
] | [
"\"Sue the debt collectors in small claims court. There are several example stories around the internet, but this is a well written one from the consumerist. If your phone is a cell phone: \"\"it is against the law for a company to leave a pre-recorded message on your cell phone.\"\" In fact, the call frequenc... |
3946 | Do performers pay taxes on comped meals and hotels? | [
"555732"
] | [
"\"My number one piece of advice is to see a tax professional who can guide you through the process, especially if you're new to the process. Second, keep detailed records. That being said, I found two articles, [1] and [2] that give some relevant details that you might find helpful. The articles state that: Many a... |
3949 | What should I do with the change in my change-jar? | [
"403357",
"21319",
"430044",
"35159",
"410476"
] | [
"Every now and then I fill a pocket with a handful of coins and spend it on a very small shop on my way home, i.e. a loaf of bread (£1.50), a pint of milk (50p) by using the self-check out (Tesco/Sainsbury's) which has a coin slot or even better the little bowl where you put coins down. I find this pretty straightf... |
3950 | Buying a small amount (e.g. $50) of stock via eToro “Social Trading Network” using a “CFD”? | [
"61170",
"127743",
"275943",
"274165",
"440039"
] | [
"Concerning the Broker: eToro is authorized and registered in Cyprus by the Cyprus Securities Exchange Commission (CySEC). Although they are regulated by Cyprus law, many malicious online brokers have opened shop there because they seem to get along with the law while they rip off customers. Maybe this has changed ... |
3951 | Negative Balance from Automatic Options Exercise. What to do? | [
"277311"
] | [
"Automatic exercisions can be extremely risky, and the closer to the money the options are, the riskier their exercisions are. It is unlikely that the entire account has negative equity since a responsible broker would forcibly close all positions and pursue the holder for the balance of the debt to reduce solvency... |
3952 | When does giving a gift “count” for tax year? | [
"163896",
"359713"
] | [
"Generally it goes by when they receive the check, not when they cash the check. Though if the check was received prior to midnight on December 31st, but after the bank closes, they would probably let the tax payer decide to count it for the next year. Of course if the check is from person A to person B then the on... |
3953 | Selling property outside the US - gains are taxable, but how do they convert? | [
"426960"
] | [
"\"Since you did not treat the house as a QBU, you have to use USD as your functional currency. To calculate capital gains, you need to calculate the USD value at the time of purchase using the exchange rate at the time of purchase and the USD value at the time of sale using the exchange rate at the time of sale. ... |
3956 | Employer skipped payments, should I allow them to defer payment until Jan 2017? | [
"431395",
"319331"
] | [
"\"First, let's look at the tax brackets for single taxpayers in 2016: The cutoff between the 25% and 28% tax bracket is $91,150. You said that your gross is $87,780. This will be reduced by deductions and exemptions (at least $10,350). Your rental income will increase your income, but it is offset in part by yo... |
3957 | Tax implications of diversification | [
"268423",
"453639",
"311782"
] | [
"Yes, to change which stocks you owe you need to sell one and buy the other, which for tax purposes means taking the profit or loss accrued up to then. On the other hand this establishes a new baseline, so you will not be double-faced on those gains. It just makes a mess of this year's tax return, and forced you to... |
3959 | Recognizing the revenue on when virtual 'credits' are purchased as opposed to used | [
"573523"
] | [
"\"I'll assume United States as the country; the answer may (probably does) vary somewhat if this is not correct. Also, I preface this with the caveat that I am neither a lawyer nor an accountant. However, this is my understanding: You must recognize the revenue at the time the credits are purchased (when money c... |
3960 | End of financial year: closing transactions | [
"14493"
] | [
"\"I'm not sure there's a good reason to do a \"\"closing the books\"\" ceremony for personal finance accounting. (And you're not only wanting to do that, but have a fiscal year that's different from the calendar year? Yikes!) My understanding is that usually this process is done for businesses to be able to accoun... |
3962 | How much would it cost me to buy one gold futures contract on Comex? | [
"340815",
"534796",
"104661",
"587111"
] | [
"When you buy a futures contract you are entering into an agreement to buy gold, in the future (usually a 3 month settlement date). this is not an OPTION, but a contract, so each party is taking risk, the seller that the price will rise, the buyer that the price will fall. Unlike an option which you can simply ch... |
3963 | what is difference between stock and dividend? | [
"461018",
"451301",
"113623"
] | [
"stocks represent ownership in a company. their price can go up or down depending on how much profit the company makes (or is expected to make). stocks owners are sometimes paid money by the company if the company has extra cash. these payments are called dividends. bonds represent a debt that a company owes. wh... |
3964 | Is it possible to improve stock purchase with limit orders accounting for volatility? | [
"550643",
"515193",
"227955"
] | [
"If you can afford the cost and risk of 100 shares of stock, then just sell a put option. If you can only afford a few shares, you can still use the information the options market is trying to give you -- see below. A standing limit order to buy a stock is essentially a synthetic short put option position. [1] So... |
3965 | Given current market conditions, how / when should I invest a $200k inheritance? | [
"578677"
] | [
"\"E) Spend a small amount of that money on getting advice from a paid financial planner. (Not a broker or someone offering you \"\"free\"\" advice; their recommendations may be biased toward what makes them the most money). A good financial planner will talk to you about your plans and expectations both short and... |
3966 | Setting up auto-pay. Should I use my bank that holds mortage or my personal bank? | [
"173790",
"104563"
] | [
"\"One factor to consider is timing. If you set up the automatic payments through the bank that holds the mortgage (I'll call them the \"\"receiving\"\" bank), they will typically record the transactions as occurring on the actual dates you've set up the automatic payments to occur on, which generally eliminates e.... |
3967 | Real estate agent best practice | [
"479616",
"311655"
] | [
"This question is a bit off-topic, might be better moved to another SE site. But I'll answer anyway: Sounds like the problem is that your wife is potentially being taken advantage of by people who may not really be prospects. Keep in mind no one can take advantage of you without your permission. There are also some... |
3968 | What is a better way for an American resident in a foreign country to file tax? | [
"34338"
] | [
"\"If you live outside the US, then you probably need to deal with foreign tax credits, foreign income exclusions, FBAR forms (you probably have bank account balances enough for the 10K threshold) , various monsters the Congress enacted against you like form 8939 (if you have enough banking and investment accounts)... |
3969 | Selling equities for real-estate down payment | [
"192540"
] | [
"\"My suggestion would be to do the math. That is the best advice you can get when considering any investment. There are other factors you haven't considered, too... like the fact that interest rates are at extremely low levels right now, so borrowing money is relatively cheap. If you're outside the US though, tha... |
3970 | Working Capital Definition | [
"488994"
] | [
"As you say, if you delay paying your bills, your liabilities will increase. Like say your bills total $10,000 per month. If you normally pay after 30 days, then your short-term liabilities will be $10,000. If you stretch that out to pay after 60 days, then you will be carrying two months worth of bills as a short-... |
3971 | What's the catch in investing in real estate for rent? | [
"278168",
"449969",
"46936",
"314335",
"312211",
"330533",
"26339",
"222095"
] | [
"\"Several, actually: Maintenance costs. As landlord, you are liable for maintaining the basic systems of the dwelling - structure, electrical, plumbing, HVAC. On top of that, you typically also have to maintain anything that comes with the space, so if you're including appliances like a W/D or fridge, if they crap... |
3973 | How is it possible that a preauth sticks to a credit card for 30 days, even though the goods have already been delivered? | [
"444640",
"294077",
"9830",
"380595"
] | [
"It is barely possible that this is Citi's fault, but it sounds more like it is on the Costco end. The way that this is supposed to work is that they preauthorize your card for the necessary amount. That reserves the payment, removing the money from your credit line. On delivery, they are supposed to capture th... |
3974 | Do I need to report to FInCEN if I had greater than $10,000 worth of bitcoin in a foreign bitcoin exchange? | [
"242027",
"158515",
"482235"
] | [
"Yes, I'd say you do. This is similar to reporting a brokerage account. Also, don't forget the requirements for form 8938.",
"Lets look at possible use cases: If you ever converted your cryptocurrency to cash on a foreign exchange, then **YES** you had to report. That means if you ever daytraded and the US dollar... |
3977 | How to get started with savings, paying off debt, and retirement? | [
"386404",
"395690",
"403450",
"484711"
] | [
"\"The word you are looking for is \"\"budget\"\" You can't pay off debt if you are spending more than you earn. Therefore, start a budget that you both work on at the same time, and both agree 100% with. Evaluate your progress on that budget on a regular basis. From your question, you understand what your obliga... |
3978 | Why do new car loans, used car loans, and refinanced loans have different rates and terms? | [
"99865",
"59372",
"513079"
] | [
"\"New car loans, used car loans, and refinances have different rates because they have different risks associated with them, different levels of ability to recoup losses if there is a default, and different customer profiles. (I'm assuming third party lender for all of these questions, not financing the dealer ar... |
3979 | What did John Templeton mean when he said that the four most dangerous words in investing are: ‘this time it’s different'? | [
"589132",
"519297",
"304461",
"3623",
"425680",
"114979"
] | [
"\"Essentially, he means \"\"one ignores history at their own peril\"\". We often hear people arguing that \"\"the old rules no longer apply\"\". Whether it be to valuations, borrowing, or any of the other common metrics, to ignore the lessons of the past is to invite disaster. History shows us that major crises... |
3982 | Are there any risks from using mint.com? | [
"76856",
"282456",
"540619",
"284832"
] | [
"\"Mint.com uses something called OFX (Open Financial Exchange) to get the information in your bank account. If someone accessed your mint account they would not be able to perform any transactions with your bank. All they would be able to do is view the same information you do, which some of it could be personal <... |
3984 | Is www.onetwotrade.com a scam? | [
"84422",
"384361"
] | [
"\"OneTwoTrade is a binary option seller, and they are officially licensed by the Malta Gaming Authority. They are not in any way licensed or regulated as an investment, because they don't do actual investing. Is your money safe? If you mean will they take your money and run off with it, then no they probably won't... |
3985 | What prices are compared to decide a security is over-valued, fairly valued or under-valued? | [
"129309"
] | [
"\"I was wondering how \"\"future cash flows of the asset\"\" are predicted? Are they also predicted using fundamental and/or technical analysis? There are a many ways to forecast the future cash flows of assets. For example, for companies: It seems like calculating expected/required rate using CAPM does not belong... |
3987 | Am I exposed to currency risk when I invest in shares of a foreign company that are listed domestically? | [
"14781"
] | [
"\"Yes, you're still exposed to currency risk when you purchase the stock on company B's exchange. I'm assuming you're buying the shares on B's stock exchange through an ADR, GDR, or similar instrument. The risk occurs as a result of the process through which the ADR is created. In its simplest form, the process wo... |
3989 | What kind news or information would make the price of a stock go up? | [
"384627",
"143334"
] | [
"There is a highly related question which is much easier to answer: what normally value-increasing news about a company would cause that company to fall in value in the public stock market? By answering that, we can answer your question by proxy. The answer to that question being: anything that makes investors beli... |
3990 | Weekly budgets based on (a variable) monthly budget | [
"77658",
"285885",
"426906",
"199527"
] | [
"\"I think the real problem here is dealing with the variable income. The envelope solution suggests the problem is that your brother doesn't have the discipline to avoid spending all his money immediately, but maybe that's not it. Maybe he could regulate his expenses just fine, but with such a variable income, he ... |
3992 | 1.4 million cash. What do I do? | [
"7625",
"257757",
"180677",
"492627",
"464843",
"148335",
"115118",
"580313"
] | [
"For now, park it in a mix of cash and short term bond funds like the Vanguard Short Term Investment Grade fund. The short term fund will help with the inflation issue. Make sure the cash positions are FDIC insured. Then either educate yourself about investing or start interviewing potential advisors. Look for refe... |
3993 | What effect would currency devaluation have on my investments? | [
"222635",
"189006",
"137353"
] | [
"Stocks, gold, commodities, and physical real estate will not be affected by currency changes, regardless of whether those changes are fast or slow. All bonds except those that are indexed to inflation will be demolished by sudden, unexpected devaluation. Notice: The above is true if devaluation is the only thing ... |
3996 | Can expense ratios on investment options in a 401(k) plan contain part of the overall 401(k) plan fees? | [
"346387",
"229528"
] | [
"There are several things being mixed up in the questions being asked. The expense ratio charged by the mutual fund is built into the NAV per share of the fund, and you do not see the charge explicitly mentioned as a deduction on your 401k statement (or in the statement received from the mutual fund in a non-401k... |
3998 | Is it better for a public company to increase its dividends, or institute a share buyback? | [
"422295",
"510233",
"422876"
] | [
"\"In some sense, the share repurchasing program is better if the company does not foresee the same profit levels down the road. Paying a dividend for several years and then suddenly not paying or reducing a dividend is viewed as a \"\"slap in the face\"\" by investors. Executing a share repurchase program one ye... |
3999 | Does the sale of personal items need to be declared as income on my income taxes? | [
"385121",
"127004"
] | [
"\"Books would be considered Personal-Use Property according to Canada's income tax laws. The most detailed IT I was able to find is IT-332R, which says: GAINS AND LOSSES 3. A gain on the disposition of personal-use property is normally a capital gain within the meaning of paragraph 39(1)(a). Where the property is... |
4 | Business Expense - Car Insurance Deductible For Accident That Occurred During a Business Trip | [
"196463"
] | [
"As a general rule, you must choose between a mileage deduction or an actual expenses deduction. The idea is that the mileage deduction is supposed to cover all costs of using the car. Exceptions include parking fees and tolls, which can be deducted separately under either method. You explicitly cannot deduct in... |
4001 | In the UK what are citizens legally obliged to do (in order to not be fined) | [
"166495"
] | [
"Edited to add an important one that I forgot, because I don't have a TV myself. You need to: That's really about it, unless you're employing people or running a business turning over more than £81,000 per year (or doing one of a number of relatively unlikely things that require specific paperwork, such as owning a... |
4002 | Why are Rausch Coleman houses so cheap? Is it because they don't have gas? | [
"396332",
"89015",
"272909",
"167270",
"436997",
"245561",
"328681",
"552178",
"327151"
] | [
"\"In northwest Arkansas, most of the houses this company offers do cost about 90 - 110 dollars per square foot. The exceptions use the Whitney plan, which has the following design features (and/or problems) which happen to save the builder a lot of money: One very nice feature is the U-shaped stairway in the cent... |
4003 | What determines the price of fixed income ETFs? | [
"183531"
] | [
"The literal answer to your question 'what determines the price of an ETF' is 'the market'; it is whatever price a buyer is willing to pay and a seller is willing to accept. But if the market price of an ETF share deviates significantly from its NAV, the per-share market value of the securities in its portfolio, th... |
4005 | 401(k) Investment stategies | [
"324066",
"402046"
] | [
"\"You could end up with nothing, yes. I imagine those that worked at Enron years ago if their 401(k) was all in company stock would have ended up with nothing to give an example here. However, more likely is for you to end up with less than you thought as you see other choices as being better that with the benef... |
4006 | What happens to 401(k) money that isn't used by the time the account holder dies? | [
"79153",
"259897",
"458917"
] | [
"A 401k plan will ask you to name a beneficiary who will receive the funds if you don't withdraw them all before death. Usually, a primary beneficiary and a secondary beneficiary is requested. If you don't specify a beneficiary, your estate is the beneficiary by default. Note that the name supplied to the 401k pla... |
4008 | How to calculate how much house I can afford? | [
"100668",
"32749",
"466587"
] | [
"There is no simple way to calculate how much house any given person can afford. In the answer keshlam gave, several handy rules of thumb are mentioned that are used as common screening devices to reject loans, but in every case further review is required to approve any loan. The 28% rule is the gold standard for ... |
4013 | What is a normal amount of money to spend per week on food/entertainment/clothing? | [
"497764",
"141405",
"290782"
] | [
"\"I'll start with a question... Is the 63K before or after taxes? The short answer to your question on how much is reasonable is: \"\"It depends.\"\" It depends on a lot more than where you live, it depends on what you want... do you want to pay down debt? Do you want to save? Are you trying to buy a house? Those... |
4015 | How to get into real estate with a limited budget | [
"175019",
"146218"
] | [
"You are neglecting a few very important things around real estate transactions in Belgium So in the end a 300K building may cost you more than 340K, let's take some unexpected costs into account and use 350K for remainder of calculation. Even worse if it's newly built (which I doubt) the first percentage is 21% (V... |
4017 | How can one relatively easily show that low expense ratio funds outperform high expense ratio funds? | [
"93882"
] | [
"\"I hope a wall of text with citations qualifies as \"\"relatively easy.\"\" Many of these studies are worth quoting at length. Long story short, a great deal of research has found that actively-managed funds underperform market indexes and passively-managed funds because of their high turnover and higher fees, am... |
4018 | Withdraw funds with penalty or bear high management fees for 10 years? | [
"47946",
"403017",
"225815",
"477630"
] | [
"I think the main question is whether the 1.5% quarterly fee is so bad that it warrants losing $60,000 immediately. Suppose they pull it out now, so they have 220000 - 60000 = $160,000. They then invest this in a low-cost index fund, earning say 6% per year on average over 10 years. The result: Alternatively, the... |
4020 | How will the New credit reporting rules affect people who are already struggling financially? | [
"30623"
] | [
"From my understanding by paying your bills more than 5 days late will not lead you into bankruptcy or stop you from getting a new loan in the future, however it may mean that lenders offer you credit at a higher interest rate. This of course would not help you as you are already struggling with your finances. Howe... |
4021 | How do I know when I am financially stable/ready to move out on my own? | [
"309868",
"62655",
"247064",
"528126",
"577479",
"56392",
"7668",
"63054"
] | [
"One big deciding factor will be what standard of living you want to maintain once you move out. Your parents have had years to get raises, accumulate savings, and establish the standard of living you are used to. Regardless of how much you save up now, you'll still have to be living at or below your means once ... |
4024 | Bank denying loan after “subject-to” appraisal: What to do? | [
"570318",
"38712"
] | [
"I'm not sure about your first two options. But given your situation, a variant of option three seems possible. That way you don't have to throw away your appraisal, although it's possible that you'll need to get some kind of addendum related to the repairs. You also don't have your liquid money tied up long t... |
4025 | Why do P/E ratios for a particular industry tend to cluster around particular values? | [
"274900"
] | [
"\"This falls under value investing, and value investing has only recently picked up study by academia, say, at the turn of the millennium; therefore, there isn't much rigorous on value investing in academia, but it has started. However, we can describe valuations: In short, valuations are randomly distributed in a... |
4028 | In general, is it financially better to buy or to rent a house? | [
"451849",
"540811",
"431481",
"158922",
"599020",
"122382",
"92406"
] | [
"\"The general answer is: \"\"it depends on how long you want to live there\"\". Here is a good calculator to figure it out: http://www.nytimes.com/interactive/business/buy-rent-calculator.html Basically, if you plan to move in a few years, then renting makes more sense. It is a lot easier to move from an apartmen... |
4032 | Why do employers require you to spread your 401(k) contributions throughout the year to get the maximum match? | [
"24231",
"92370",
"448067"
] | [
"If one makes say, $10K/mo, and the company will match the first 5% dollar for dollar, a 10%/mo deposit of $1K/mo will see a $500/mo match. If the employee manages to request 90% get put into the 401(k), after 2 months, he's done. If the company wished, they could continue the $500/mo match, I agree. They typicall... |
4033 | Why don't market indexes use aggregate market capitalization? | [
"25817",
"440123"
] | [
"\"They do but you're missing some calculations needed to gain an understanding. Intro To Stock Index Weighting Methods notes in part: Market cap is the most common weighting method used by an index. Market cap or market capitalization is the standard way to measure the size of the company. You might have heard... |
4036 | Why are capital gains taxed at a lower rate than normal income? | [
"322049",
"348982",
"6891",
"384644",
"21810",
"235004",
"530548",
"408983"
] | [
"I think this question is very nearly off-topic for this site, but I also believe that a basic understanding of the why the tax structure is what it is can help someone new to investing to understand their actual tax liability. The attempt at an answer I provide below is from a Canadian & US context, but should be ... |
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