question_id stringlengths 1 5 | question stringlengths 14 158 | pos_item_ids listlengths 1 23 | pos_item_contents listlengths 1 23 |
|---|---|---|---|
4038 | Is there a benefit, long term, to life insurance for a youngish, debt, and dependent free person? | [
"253489",
"241099",
"41165",
"538607",
"177757",
"339326",
"502389",
"402852"
] | [
"There is no benefit in life insurance as such (ie, death insurance.) There is a great deal of value in other types though: total and permanent disability insurance, trauma insurance (a lump sum for a major medical event), and income protection insurance (cover against a temporary but disabling medical condition). ... |
4040 | How does end-of-year interact with mutual fund prices (if it does)? | [
"354136"
] | [
"\"This answer is applicable to the US. Similar rules may hold in some other countries as well. The shares in an open-ended (non-exchange-traded) mutual fund are not traded on stock exchanges and the \"\"market\"\" does not determine the share price the way it does for shares in companies as brokers make offers ... |
4041 | How Warren Buffett made his money | [
"253374",
"506618"
] | [
"\"Despite Buffett's nearly perfect consistent advice over the past few decades, they don't reflect his earliest days. His modern philosophy seemed to solidify in the 1970s. You can see that Buffett's earliest days grew faster, at 29.5 % for those partners willing to take on leverage with Buffett, than the last ha... |
4042 | Can my employer limit my maximum 401k contribution amount (below the IRS limit)? | [
"312369",
"52438",
"333102",
"387011",
"4976",
"383827",
"356374"
] | [
"Congratulations on your raise! Is my employer allowed to impose their own limit on my contributions that's different from the IRS limit? No. Is it something they can limit at will, or are they required to allow me to contribute up to the IRS limit? The employer cannot limit you, you can contribute up to the IR... |
4044 | Why do people buy new cars they can not afford? | [
"129350",
"505467",
"4038",
"452148",
"303011",
"494706",
"186735",
"10483",
"549759"
] | [
"There are many reasons for buying new versus used vehicles. Price is not the only factor. This is an individual decision. Although interesting to examine from a macro perspective, each vehicle purchase is made by an individual, weighing many factors that vary in importance by that individual, based upon their spe... |
4045 | Do I still need to file taxes with the Canadian government if I am working in the U.S. on a TN visa for a few years? | [
"293652",
"518624"
] | [
"\"You are considered a Canadian resident if you have \"\"significant residential ties to Canada\"\". Because your wife lives in Canada, you therefore are a resident. Even by working temporarily in the US, you are still considered a \"\"factual resident\"\" of Canada. Due to that, your second question is irrelevant... |
4046 | I was given a 1099-misc instead of a w-2 what are my next steps? | [
"232544"
] | [
"\"I agree that you should have received both a 1099 and a W2 from your employer. They may be reluctant to do that because some people believe that could trigger an IRS audit. The reason is that independent contractor vs employee is supposed to be defined by your job function, not by your choice. If you were a cont... |
4048 | Why do interest rates increase or decrease? | [
"357103",
"285064"
] | [
"\"My answer is specific to the US because you mentioned the Federal Reserve, but a similar system is in place in most countries. Do interest rates increase based on what the market is doing, or do they solely increase based on what the Federal Reserve sets them at? There are actually two rates in question here; th... |
4050 | For very high-net worth individuals, does it make sense to not have insurance? | [
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"350151",
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"147243",
"587193",
"354135",
"65313",
"251065",
"248678"
] | [
"\"Yes, and the math that tells you when is called the Kelly Criterion. The Kelly Criterion is on its face about how much you should bet on a positive-sum game. Imagine you have a game where you flip a coin, and if heads you are given 3 times your bet, and if tails you lose your bet. Naively you'd think \"\"great,... |
4051 | At tax time, what is the proper way to report cryptocurrency earnings and fiat income when you've started with “nothing”? | [
"14065"
] | [
"\"In 2014 the IRS announced that it published guidance in Notice 2014-21. In that notice, the answer to the first question describes the general tax treatment of virtual currency: For federal tax purposes, virtual currency is treated as property. General tax principles applicable to property transactions apply to ... |
4053 | Relative worth of investment versus spending for the economy | [
"533311",
"278638"
] | [
"I don't think that there's a specific number or index that gives you what you're looking for. I think the closest thing to it would be the velocity of money, which is a measure of how often money changes hands. Also, for what it's worth, I believe that this concept is controversial in some circles.",
"I believ... |
4054 | Which % of the global economy is considered “emerging”? | [
"530938"
] | [
"The company that runs the fund (Vanguard) on their website has the information on the general breakdown of their investments of that fund. They tell you that as of July 31st 2016 it is 8.7% emerging markets. They even specifically list the 7000+ companies they have purchased stocks in. Of course the actual investm... |
4055 | Recommended finance & economy book/blog for a Software Engineer? | [
"151994",
"276032",
"29298"
] | [
"Start at Investopedia. Get basic clarification on all financial terms and in some cases in detail. But get a book. One recommendation would be Hull. It is a basic book, but quite informative. Likewise you can get loads of material targeted at programmers. Wilmott's Forum is a fine place to find coders as well as f... |
4056 | How does the debt:GDP ratio affect the country's economy? | [
"514697"
] | [
"\"Is it not that bad? Depends how bad is bad. The problems causes by a government having large debt are similar to those caused by an individual having large debt. The big issue is: More and more of your income goes to paying interest on the debt, and is thus not available for spending on goods and services. If it... |
4057 | What is the effect of a high dollar on the Canadian economy, investors, and consumers? | [
"259282"
] | [
"It depends primarily on how the Canadian economy is designed i.e export oriented or import oriented. If you look at this, it shows more or less equal amount of exports and imports. For the specific case of Canada, the exports would become costlier, because of a costlier dollar, but at the same time imports would b... |
4058 | What are the benefits of opening an IRA in an unstable/uncertain economy? | [
"587727",
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"265231",
"364131",
"455698"
] | [
"\"IRAs have huge tax-advantages. You'll pay taxes when you liquidate gold and silver. While volatile, \"\"the stock market has never produced a loss during any rolling 15-year period (1926-2009)\"\" [PDF]. This is perhaps the most convincing article for retirement accounts over at I Will Teach You To Be Rich. An I... |
4059 | Why is everyone saying how desperately we need to save money “in this economy”? | [
"260363",
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"571713",
"295637",
"62719"
] | [
"\"You ask a few different, though not unrelated, questions. Everywhere you turn today, you hear people talk about how much they need to save or how important it is to find a good deal on things \"\"in this economy\"\". They use phrases like \"\"now more than ever\"\" and \"\"in these uncertain times\"\... |
4061 | Investment / Savings advice in uncertain economy | [
"302448",
"487890"
] | [
"$23,000 Student Loans at 4% This represents guaranteed loss. Paying this off quickly is a conservative move, while your other investments may easily surpass 4% return, they are not guaranteed. Should I just keep my money in my savings account since I want to keep my money available? Or are there other options I... |
4062 | Where should I park my money if I'm pessimistic about the economy and I think there will be high inflation? | [
"73283",
"462618",
"195100",
"470357",
"397290",
"521641",
"85222"
] | [
"\"For diversification against local currency's inflation, you have fundamentally 3 options: Depending on how sure you are on your prediction, and what amount of money you're willing to bet to \"\"short the country\"\", you might also consider a mix of approaches from the above. Good luck.\"",
"\"If you think you... |
4064 | How is gold shared in worldwide economies? | [
"79119",
"351154",
"450922"
] | [
"Money is no longer backed by gold. It's backed by the faith and credit of the issuing government. A new country,say, will first trade goods for dollars or other currency, so its ownership of gold is irrelevant. Its currency will trade at a value based on supply/demand for that currency. If it's an unstable currenc... |
4065 | Totally new to finance, economy, where should I start? | [
"201884",
"484327",
"520165",
"436948"
] | [
"A couple of good books I enjoyed and found very understandable (regarding the stock market): As for investment information you can get lost for days in Investopedia. Start in the stock section and click around. The tutorials here (free) give a good introduction to different financial topics. Regarding theoretical... |
4067 | Entering the stock market in a poor economy | [
"248019",
"560447",
"355532",
"485725",
"474006",
"430877"
] | [
"\"Forecasts of stock market direction are not reliable, so you shouldn't be putting much weight on them. Long term, you can expect to do better in stocks, but obtaining this better expected return has the danger of \"\"buying in\"\" to the market at a particularly bad moment, leading to a substantially lower retu... |
4069 | How should residents of smaller economies allocate their portfolio between domestic and foreign assets? | [
"575046",
"110729"
] | [
"why should I have any bias in favour of my local economy? The main reason is because your expenses are in the local currency. If you are planning on spending most of your money on foreign travel, that's one thing. But for most of us, the bulk of our expenses are incurred locally. So it makes sense for us to in... |
4070 | How can a 'saver' maintain or increase wealth in low interest rate economy? | [
"211942",
"54190",
"127689"
] | [
"\"Since the other answers have covered mutual funds/ETFs/stocks/combination, some other alternatives I like - though like everything else, they involve risk: Example of how these other \"\"saving methods\"\" can be quite effective: about ten years ago, I bought a 25lb bag of quinoa at $19 a bag. At the same compa... |
4073 | Why are some countries' currencies “weaker”? | [
"274683",
"490113",
"165767"
] | [
"1:30 is not stronger than 1:79. These are just numbers. Trading 1:120 in 2008 and 1:79 now vs. trading 1:31 in 2008 vs 1:30 now is much better criteria to look at to evaluate the strength of the currency, and if you look at that you can see that the Japanese Yen is significantly stronger than the Bhat. While Yen g... |
4074 | Why is economic growth so important? | [
"535688",
"190427",
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"7915"
] | [
"\"One of the best answers to this question that I've ever read is in a paper published by Robert Lucas in the Journal of Economic Perspectives. That journal is meant to a be a place for experts to write about their area of expertise (in economics) for a general but still technically-minded audience. They recently ... |
4075 | What is the main purpose of FED increase and decrease interest rate? | [
"292475"
] | [
"When inflation is high or is rising generally interest rates will be raised to reduce people spending their money and slow down the rate of inflation. As interest rates rise people will be less willing to borrow money and more willing to keep their money earning a good interest rate in the bank. People will reduce... |
4076 | what's the best option to save money on everyday expenses? | [
"259373"
] | [
"\"There is a saying in business: what gets measured gets done. Track every expense you make. Later, look over what you have learned. If 5% of your total budget is going to something frivolous, maybe you could halve it? If 1% or 0.1% is going to that frivolous expense, there's not much to be gained even by eliminat... |
4077 | What implications does having the highest household debt to disposable income ratio have on Australia? | [
"166313",
"85749",
"3040"
] | [
"Stock market Tends to follow the DJIA and FTSE, so unlikely to see an Australia-only crash, especially while resources are doing so well. If China's growth slows before other ailing sectors improve, a downturn becomes more likely and the potential severity of the downturn increases. Economy A huge question to whic... |
4078 | What economic growth rate is required to halve U.S. unemployment? | [
"43450",
"134224",
"43731"
] | [
"Two points.",
"I believe the Bureau of Labor Statistics has published some numbers in this area... I cannot find them at the moment though. I think you need to take these numbers with a grain of salt, though, because they cannot account for productivity and automation improvements that are being aggressively imp... |
4079 | Will the stock market continue to grow forever? | [
"355716",
"95890",
"521951"
] | [
"\"The stock market may not grow \"\"forever\"\". There will be growth in the stock market, though. The stock market is a positive-sum game, since it is driven in large part by the profits earned by the companies. This doesn't mean that any individual stock will go up forever, it doesn't mean that any given index w... |
4081 | Why can't poor countries just print more money? | [
"371839"
] | [
"Printing money doesn't mean that their wealth increases. It just devalues the money they already have. So it will just take more money to buy goods from another country. Printing money will also lead to over inflation which has its own set of problems such as:"
] |
4082 | Is it normal that US Treasury bills(0.07%) yield smaller than interest rate(0.25%)? | [
"67425",
"364411",
"306197"
] | [
"Maybe someone will have more details, but a couple of things come to mind immediately:",
"Im not sure if its normal/sensical/healthy, and that is kind of opinion based. But there is a reason for it. Certain rules and regulations passed recently are causing companies or institutions to shift to bonds from cash. F... |
4083 | What should I invest in to hedge against a serious crash or calamity? | [
"436091",
"27081",
"569632",
"284935"
] | [
"If you're referring to investment hedging, then you should diversify into things that would profit if expected event hit. For example alternative energy sources would benefit greatly from increased evidence of global warming, or the onset of peak oil. Preparing for calamities that would render the stock market ina... |
4085 | Explain the HSI - why do markets sometimes appear in sync and other times not? | [
"561535",
"299062"
] | [
"Contributing factors to the diversion were that: A) China's currency does not float like other major countries' currencies B) China's real estate market didn't have the same lending criteria leading to the level of speculation seen in USA, at the time.",
"\"why do markets sometimes appear in sync, but during ot... |
4086 | What happens if someone destroy money? | [
"234488"
] | [
"Depending on the country, nothing. For example, the US has about $1.3 trillion dollars of cash in circulation. Which means that if you were to burn a million dollars of it, that would be 0.000077% of the circulating cash. But cash is a small portion of the actual money in the US. Only about 8% of all money is... |
4087 | how derivatives transfer risk from one entity to another | [
"393418",
"249869",
"105231"
] | [
"By buying the call option, you are getting the benefit of purchasing the underlying shares (that is, if the shares go up in value, you make money), but transferring the risk of the shares reducing in value. This is more apparent when you are using the option to offset an explicit risk that you hold. For example, i... |
4088 | Pros & cons of investing in gold vs. platinum? | [
"394791",
"259930",
"157038",
"90406",
"491482"
] | [
"\"Platinum use is pretty heavily overweight in industrial areas; according to the linked Wikipedia article, 239 tonnes of platinum was sold in 2006, of which 130 tonnes went to vehicles emissions control devices and another 13.3 tonnes to electronics. Gold sees substantial use as an investment as well as to hedge ... |
4089 | How fast does the available amount of gold in the world increase due to mining? | [
"584796",
"501856",
"189612"
] | [
"For the last few years around 2,500 metric tonnes of gold have been produced each year. This is on top of existing supply of 160,000 metric tonnes. Existing yearly production is around 1.5% of the existing supply. Charts from here.",
"If that fraction is really small, then the amount of gold can be thought of ... |
4090 | Should I switch/rollover my IRA to a Gold IRA at Regal Assets? | [
"3312",
"315286"
] | [
"\"The link you originally included had an affiliate code included (now removed). It is likely that your \"\"friend\"\" suggested the site to you because there is something in it for your \"\"friend\"\" if you sign up with their link. Seek independent financial advice, not from somebody trying to earn a commission ... |
4091 | How do you find reasonably priced, quality, long lasting clothing? | [
"158488",
"24309",
"447123",
"86280",
"82209",
"55822"
] | [
"On the quality angle a big part of it is experience, but the biggest thing is careful observation. You have to take a close, critical look at any article of clothing. (This holds true for just about any purchase.) As far as finding them for reasonable prices it's the usual thing: sales and buying them second-han... |
4097 | Are Shiller real-estate futures and options catching on with investors? | [
"355620",
"407145"
] | [
"\"The Case-Schiller macro derivatives market has seen very minimal activity. For example, in the three regional markets of San Diego (SDG), Boston (BOS) and Los Angeles (LAX) on 28 November 2011, there was zero trading volume, no trades settled, no open interest. * Source: CME Futures and options activity[PDF] ... |
4098 | How to hedge against specific asset classes at low cost | [
"67021",
"392137"
] | [
"\"The essence of hedging is to find an investment that performs well under the conditions that you're concerned about. If you're concerned about China stock dropping, then find something that goes up in value if that asset class goes down. Maybe put options on a Chinese index fund, or selling short one of those f... |
4099 | Demurrage vs inflation | [
"532260"
] | [
"Yes, there's a difference. If you've borrowed $100, then under inflation your salary will (presumably) increase, and tomorrow your debt will only be worth $99. But under demurrage, you'll still owe $100."
] |
41 | IRA for work and my business | [
"176229"
] | [
"Yes, you can have both. You'll need business income to contribute to a SEP IRA though."
] |
4100 | Exposure to Irish Housing Market | [
"153251",
"412502"
] | [
"There contracts called an FX Forwards where you can get a feel for what the market thinks an exchange rate will be in the future. Now exchange rates are notoriously uncertain, but it is worth noting that at current prices market believes your Krona will be worth only 0.0003 Euro less three years from now than it ... |
4101 | Could one person with a card with no spending limit pay off everyone's debt? | [
"276323"
] | [
"The problem would not only be that of Kyle but also that of American Express. When Kyle pays by credit card, American Express pays the bills out of their pockets on his behalf and then forwards the bill to Kyle. The issuer of a credit card takes the risk that the holder of the card won't pay the credit card bill. ... |
4104 | Is Volvo a public company? | [
"181582"
] | [
"\"There are two different companies named \"\"Volvo.\"\" The publicly-traded company with ticker symbol VOLV-B is called Volvo Group, or AB Volvo. They primarily build trucks, buses, and construction equipment. The company that makes the Volvo branded cars is called Volvo Cars. It is a privately-held company cur... |
4106 | When is Cash Value Life Insurance a good or bad idea? | [
"56732",
"524495",
"327060",
"10531"
] | [
"The standard answer I have heard is that if you were to purchase term life insurance and invest the difference between the cost of the policies, your investments would grow larger than the cash value of the insurance. Also when you take cash out of CVLI the insurance value drops by a like amount. So you can't have... |
4107 | What does “Net Depreciation in Fair Value” mean on a financial report? | [
"24668"
] | [
"First, the annual report is just that, a snapshot that shows value at the beginning and end of the period. Beginning = Aug 08 = $105B End = Aug 09 = $89B Newsletter date May 10 = $96B Odd they chose end of August as it's not even a calendar quarter end. The $16B was market loss during that period. Nearly ha... |
4108 | US citizen married to non-resident alien; how do I file taxes? | [
"239030",
"111531"
] | [
"\"Congrats on the upcoming wedding! Here is the official answer to this question, from the IRS. They note that you can choose to treat your spouse as a US resident for tax purposes and file jointly if you want to, by attaching a certain declaration to your tax return. Though I'm not a tax expert, if your partner ... |
4109 | looking for research tool to plug in and evaluate theoretical historical returns | [
"128281"
] | [
"\"The professional financial advisors do have tools which will take a general description of a portfolio and run monte-carlo simulations based on the stock market's historical behavior. After about 100 simulation passes they can give a statistical statement about the probable returns, the risk involved in that str... |
4110 | Where do short-term traders look for the earliest stock related news? | [
"281167",
"263633"
] | [
"I work for a fund management company and we get our news through two different service providers Bloomberg and Thomson One. They don't actually source the news though they just feed news from other providers Professional solutions (costs ranging from $300-1500+ USD/month/user) Bloomberg is available as a windows i... |
4112 | Is Weiss Research, Inc. a legitimate financial research company? | [
"472515",
"158946",
"228100"
] | [
"\"This company was a reputable rating agency for many years. See Weiss Research website, ratings section for a very different perspective on Martin Weiss's work than the websites with which he is now associated. I checked both links provided, and agree with the questioner in every way: These appear to be highly qu... |
4113 | Impact of Extreme Situations such as WW2 on “legendary” Investors' Returns? | [
"508417"
] | [
"\"Possibly the best answer to why America became globally dominant after WW2 was written by a FRENCHMAN, Jean-Jacque Sergen-Schreiber, Le Defi American (The American Challenge). Probably the only legendary investor of the proper age to benefit from WW2 was John Templeton, who borrowed $10,000 before the war, and e... |
4115 | What assets would be valuable in a post-apocalyptic scenario? | [
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"528988",
"88698",
"376878",
"68519",
"245752",
"179668",
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] | [
"Gold and silver are for after the crisis, not during. Gold and silver are far more likely to be able to be exchanged for things you need, since they are rare, easily divided, etc. Getting land away from where the crap is happening is also good, but it's more than that. Say you have land somewhere. How will the ... |
4118 | Balance Sheets: How a company can save money for further investments | [
"25605"
] | [
"A company CAN hold on to money. This is called retained earnings. Not all money is due back to the owners (i.e. stockholders), but only the amount that the board of directors chooses to pay back in the form of dividends. There is a lot more detail around this, but this is the simple answer to your question."
] |
4119 | Economics Books | [
"493671",
"579235",
"151811",
"573760"
] | [
"\"i'm absolutely a newcomer in economics and i wish to understand how things work around finance. This is a pretty loaded question. To understand finance, you need the basics of economics. In almost every economics school in the country, you first study microeconomics and then economics. So, we'll start with micro... |
4120 | Cannot get a mortgage because I work through a recruiter | [
"142960",
"296408",
"52706",
"364267",
"268034"
] | [
"To a mortgage lender, it appears that you have a temporary contract (perhaps extending for nine more months) with a agency that supplies workers to companies that need temporary help. You have been placed currently with a company and are making good money, but that job might disappear soon and then you will have n... |
4121 | What are some signs that the stock market might crash? | [
"348250",
"576214"
] | [
"Although it is impossible to predict the next stock market crash, what are some signs or measures that indicate the economy is unstable? These questions are really two sides of the same coin. As such, there's really no way to tell, at least not with any amount of accuracy that would allow you time the market. I... |
4122 | How does the world - in aggregate - generate a non-zero return? | [
"333966",
"357319"
] | [
"I think you'll find some sound answers here: Money Creation in the Modern Economy by the Bank of England Where does money come from? In the modern economy, most money takes the form of bank deposits. But how those bank deposits are created is often misunderstood. The principal way in which they are created is... |
4123 | Closing a credit card with an annual fee without hurting credit score? | [
"591714"
] | [
"The two factors that will hurt you the most is the age of the credit account, and your available credit to debt ratio. Removing an older account takes that account out of the equation of calculating your overall credit score, which can hurt significantly, especially if that is the only, or one of just a couple, o... |
4124 | What is the best way to save money from inflation and currency devaluation? | [
"525056",
"136860"
] | [
"Devaluation is a relative term, so if you want to protect yourself against devaluation of your currency against dollars - just buy dollars. Inflation is something you cannot protect yourself against because it is something that describes the purchasing power of the money. You will still need to purchase, and usual... |
4126 | How can I buy government bonds from foreign countries? | [
"583552"
] | [
"Significantly less effort to buy into any of several international bond index funds. Off the top of my head, VTIBX."
] |
4128 | 401k compound interest vs other compound interest | [
"448260",
"340624",
"231917"
] | [
"A 401K (pre-tax or Roth) account or an IRA (Deductible or Roth) account is a retirement account. Which means you delay paying taxes now on your deposits, or you avoid paying taxes on your earnings later. But a retirement account doesn't perform any different than any other account year-to-year. Being a retiremen... |
4131 | When is it worth it to buy dividend-bearing stocks? | [
"322417",
"509879"
] | [
"\"Yes, they are, and you've experienced why. Generally speaking, stocks that pay dividends will be better investments than stocks that don't. Here's why: 1) They're actually making money. They can finagle balance sheets and news releases, but cash is cash, it tells no lies. They can't fake it. 2) There's less g... |
4132 | What are my options for paying off the large balance of my federal, high interest student loans? | [
"515815"
] | [
"As someone with a lot of student loan debt, I can relate - the first thing you should do is read the promissory note on your current loans - there might be information there you can use. For govt loans (stafford, etc) made after July 1, 2006 the interest rate is going to be fixed and even a federal direct consoli... |
4133 | Is there any chance for a layperson to gain from stock exchange? [duplicate] | [
"375199",
"318411",
"375876"
] | [
"Currencies are a zero-sum game. If you make money, someone else will lose it. Because bank notes sitting in a pile don't create anything useful. But shares in companies are different, because companies actually do useful things and make money, so it's possible for all investors to make money. The best way to benef... |
4134 | How to compare the value of a Masters to the cost? | [
"451248",
"310433",
"326533"
] | [
"I wasn't 100% on which columns of the scale you were referring to, but think I captured the correct ones in this comparison, using the scale for BA and MA (MA scale starting 2 years later, with decreased income reflected for first two years), applying a 1% cost of living increase each year to the scale or to prior... |
4135 | How to invest my British pound salary | [
"328699"
] | [
"\"The London Stock Exchange offers a wealth of exchange traded products whose variety matches those offered in the US. Here is a link to a list of exchange traded products listed on the LSE. The link will take you to the list of Vanguard offerings. To view those offered by other managers, click on the letter ch... |
4136 | company market capitalization to total (annual) stock market capitalization | [
"374602",
"37558"
] | [
"This depends. Quite a few stock exchanges / country report total capitalisation in terms of free float. I.E total shares that can be traded, ignoring the promoters shares. The market cap reported by company takes all shares.",
"\"Market cap is speculative value, M = P * W, where W is stock (or other way of ownin... |
4137 | My bank wants to lower my credit limit on my credit card. Will this impact me negatively? | [
"367397",
"264341"
] | [
"No, it will have no negative impact on getting a mortgage. You are building up a history with regular payments and are not carrying a balance on the card each month. Your ability to get a mortgage will ultimately be based on other things. Money Saving Expert has a good guide on what will affect your credit score. ... |
4138 | What should my finances look like at 18? | [
"328157",
"405985",
"204479",
"329005",
"218731"
] | [
"Assume you will need to retire with a few million in the bank to maintain an average lifestyle. I had an analysis done for me (at 33) that shows my family, to keep it up lifestyle will need to have 3.4MM in the bank so in retirement I can draw down enough cash. This number reflects inflation. Now that you are 18,... |
4139 | Does anyone offer no interest loans? | [
"376579",
"551485"
] | [
"Such loans are of course possible. They exist because the lender gains something other than interest from them: What would happen to the economy if these were common? These are common, common as anything. In fact where it's not banks lending the money, these are the default. So, nothing would happen to the economy... |
4140 | Ray Dalio - All Weather Portfolio | [
"324661",
"493366"
] | [
"\"Making these difficult portfolio decisions for you is the point of Target-Date Retirement Funds. You pick a date at which you're going to start needing to withdraw the money, and the company managing the fund slowly turns down the aggressiveness of the fund as the target date approaches. Typically you would pi... |
4141 | How do I evaluate risk exposure to my U.K. bank in light of the possible collapse of the Euro or Eurozone economies? | [
"428111"
] | [
"You could evaluate the risk exposure of your UK bank reading this post and this other old one. They basically say that UK bank exposure to Greece is less than 6 billions pounds (BOE data), so there is no reason to be worried now. The main issue of this crisis is not the Greek exit from the Euro on its own (it seem... |
4143 | Is there a measure that uses both cost of living plus income? | [
"81132",
"338175"
] | [
"\"The key term you're looking for is \"\"purchasing power parity\"\", which considers the local prices of goods and services when making comparisons between countries. For example, you can look up the GDP by PPP per capita to get a sense of much people on average incomes can buy in each country. Of course, average... |
4144 | How to fill the IRS Offer In Compromise with an underwater asset? | [
"315304",
"23955"
] | [
"\"You're supposed to be filling form 433-A. Vehicles are on line 18. You will fill there the current fair value of the car and the current balance on the loans. The last column is \"\"equity\"\", which in your case will indeed be a negative number. The \"\"value\"\" is what the car is worth. The \"\"equity\"\" is ... |
4145 | What will be the capital gains tax after we sell a rental home? | [
"454068"
] | [
"This will be a complex issue and you will need to sit down with a professional to work through the issues: When the house was put up for rent the initial year tax forms should have required that the value of the house/property be calculated. This number was then used for depreciation of the house. This was made mo... |
4147 | Can you explain the mechanism of money inflation? | [
"152910",
"554255",
"290585",
"215708",
"448375",
"501461"
] | [
"The mechanism of supply and demand is imperfect. Producers don't know exactly how many purchasers/consumers for a good there are. Some goods, by their nature, are in short supply, and some are plentiful. The process of price discovery is one where (in a nominally free market) producers and purchasers make offers... |
4148 | How to evaluate investment risk in practical terms | [
"36534"
] | [
"\"Generally investing in index-tracking funds in the long term poses relatively low risk (compared to \"\"short term investment\"\", aka speculation). No-one says differently. However, it is a higher risk than money-market/savings/bonds. The reason for that is that the return is not guaranteed and loss is not limi... |
4151 | What is the most common and profitable investment for a good retirement in Australia? | [
"152845",
"237907"
] | [
"In Australia anyone thinking about retirement should be concentrating on superannuation. Contribution is compulsory (I think the current minimum contribution rate is 9.5% of salary) and both contributions and investment returns are very tax efficient. The Government site is quite comprehensive - http://www.austral... |
4154 | Should I consolidate loans and cards, or just cards, leaving multiple loans? | [
"355605",
"257483"
] | [
"\"My answer is similar to Ben Miller's, but let me make some slightly different points: There is one excellent reason to get a consolidation loan: You can often get a lower interest rate. If you are presently paying 19% on a credit card and you can roll that into a personal loan at 13.89%, you'll be saving over 5%... |
4158 | Is the BA Avios Visa airlines rewards card worth it? | [
"416487"
] | [
"\"I am a proud member of the BA frequent fliers' club (Executive Club). Their service is superb. Their avios (aka miles) are quite useful. However, that is if you're not flying with British Airways, because if you do - you'll pay enormous amounts as \"\"taxes\"\". I've used their avios on Air Berlin, American Airl... |
4159 | Question about protecting yourself from company not beating earning eastimate | [
"250873"
] | [
"The best thing to do to avoid this is not to sell as you've described. What purpose does it solve? If you're speculating, set a price at which you want to cash out and put a limit order. If you're a long term investor, then unless something fundamental has changed - why would you sell?"
] |
4160 | Should I consider my investment in a total stock market fund “diverse”? | [
"102620",
"87915"
] | [
"You are diversified within a particular type of security. Notably the stock market. A truly diversified portfolio not only has multiple types of holdings within a single type of security (what your broad market fund does) but between different types. You have partially succeeded in doing this with the internationa... |
4161 | Is an interest-only mortgage a bad idea? | [
"457569",
"453847",
"522341",
"7243",
"336221",
"110400"
] | [
"Really the question you need to ask yourself is how much Risk you want to take in order to save a little on interest for 5 years. Rates are pretty close to a historic low, and if you have good credit you should shop around a bit to get a good ideal of what a 15 or 30 year fixed loan would go for. For people that a... |
4162 | Using stable short-term, tax-free municipal bond funds to beat the bank? | [
"514681",
"335064"
] | [
"Banks' savings interest is ridiculous, has always been, compared to other investment options. But there's a reason for that: its safe. You will get your money back, and the interest on it, as long as you're within the FDIC insurance limits. If you want to get more returns - you've got to take more risks. For examp... |
4163 | Learning stock trading financing etc for someone from mathematical background [duplicate] | [
"221319"
] | [
"Security Analysis(very difficult for beginners )& Intelligent Investor by Benjamin Graham. All about(book series by McGraw) on Stocks,Derivatives,Options,Futures,Market Timings. Reminiscence of a Stock Operator (Life of jesse Livermore). Memoirs , Popular Delusions and Madness of the Crowds by Charles Mackay. Basi... |
4165 | Is UK house price spiral connected to debt based monetary system? | [
"574616",
"225682"
] | [
"\"There are a few factors at work here, supply and demand being the main one. The Office for National Statistics has some good information: http://visual.ons.gov.uk/uk-perspectives-housing-and-home-ownership-in-the-uk/ Supply has historically struggled to compete with demand in the UK and this situation has been e... |
4166 | Is it unreasonable to double your investment year over year? | [
"318140",
"409552",
"258268",
"241860",
"84560",
"141365",
"339989",
"279713",
"168968"
] | [
"Yes, it is unreasonable and unsustainable. We all want returns in excess of 15% but even the best and richest investors do not sustain those kinds of returns. You should not invest more than a fraction of your net worth in individual stocks in any case. You should diversify using index funds or ETFs.",
"Yes, bec... |
4167 | What are “headwinds” and “tailwinds” in financial investments? | [
"228800",
"64613"
] | [
"\"The term \"\"tailwinds\"\" describes some condition or situation that will help move growth higher. For example, falling gas prices will help a delivery company be more profitable. Lower gas prices is said to be a tailwind for the freight services industry. \"\"Headwinds\"\" are just the opposite. Its a situatio... |
4168 | Why certain currencies are considered safe havens in times of turmoil | [
"223359",
"487162"
] | [
"It's a combination of neutrality, economic power, economic freedom, a history of stability, and tradition. In the case of the Japanese yen, it's obviously economic power that is the determining factor, as Japan is the world's third largest economy. Switzerland, on the other hand, is only the 19th largest economy, ... |
4170 | Is there a financial product that allows speculation on GDP? | [
"149962"
] | [
"The closest thing that you are looking for would be FOREX exchanges. Currency value is affected by the relative growth of economies among other things, and the arbritrage of currencies would enable you to speculate on the relative growth of an individual economy."
] |
4172 | Why can't the Fed lower interest rates below zero? | [
"228211",
"133486",
"553293",
"425288"
] | [
"Because giving someone a loan and paying them to take it isn't a loan anymore. I'll grant you, some of the treasury bill auctions did slip below 0% -- people paid in slightly more than what the bill would pay out. In as much as this was done by actual investors (and not afore-mentioned helicopter Ben Bernanke kee... |
4173 | Why does it matter if a Central Bank has a negative rather than 0% interest rate? | [
"354553"
] | [
"That is kind of the point, one of the hopes is that it incentivizes banks to stop storing money and start injecting it into the economy themselves. Compared to the European Central Bank investing directly into the economy the way the US central bank has been doing. (The Federal Reserve buying mortgage backed secur... |
4174 | How to invest for the event of a US default? | [
"566669",
"398262"
] | [
"If the US economy crashes at all suddenly, the global economy goes with it. In that case, yes, the postapocalyptic scenarios may be the best answer. But that's got so low a probability of happening that you'd be a fool to invest in it. If you really feel the need, consider investing in the companies which supply t... |
4176 | Why doesn't Japan just divide the Yen by 100? | [
"578780",
"327984",
"493201",
"217715",
"548340",
"120604",
"496213",
"34609"
] | [
"I think the tradition within the country would outweigh any convenience it would have for the rest of the world. The US hasn't even been able to switch to the Metric system, even though it's taught in school and used in math / science. The costs involved with changing price tags, and re-organizing everything in ... |
4178 | Is it sensible to keep savings in a foreign currency? | [
"393823",
"35511",
"450860",
"191668"
] | [
"Given that we live in a world rife with geopolitical risks such as Brexit and potential EU breakup, would you say it's advisable to keep some of cash savings in a foreign currency? Probably not. Primarily because you don't know what will happen in the fallout of these sorts of political shifts. You don't know wh... |
4182 | What expenses do most people not prepare for that turn into “emergencies” but are not covered by an Emergency Fund? | [
"420265",
"143236",
"119244",
"371624",
"110732",
"329217",
"573067",
"108814"
] | [
"Here's a few. Is this what you're looking for? Also this should probably be a community wiki.",
"\"Some things are nearly universal, and have been mentioned already. My \"\"favorite\"\" forseeable expenses in this category are: However, I also advocate saving for expenses that are specific to you. Look back on... |
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