question_id stringlengths 1 5 | question stringlengths 14 158 | pos_item_ids listlengths 1 23 | pos_item_contents listlengths 1 23 |
|---|---|---|---|
4380 | Why does my car loan interest go up despite making payments on-time? | [
"261968",
"387555"
] | [
"Interest is calculated daily. Doing the math: Between 6-17 and 7-25 are 38 days, 200.29 / 38 = 5.27 interest per day. Between 7-25 and 8-17 are 23 days. 120.02 / 23 = 5.22 interest per day. The minimal difference is because the principal has already gone down a little bit. So you should expect ~5.20 x number of da... |
4384 | How do I figure out the market value of used books? | [
"296859",
"409862",
"474088"
] | [
"Half of original MSRP at Amazon is a good option for books that are in good condition. Another option would be to use eBay, specifically Half.com.",
"Regarding the textbooks and technical books, it might be worth checking out sites like Chegg.com or other textbook rental websites. They might buy it from you dir... |
4385 | Are precious metals/collectibles a viable emergency fund? | [
"330020",
"209635",
"473965"
] | [
"\"If it were me, I would convert it to cash and keep it in a liquid account. The assumption that silver will increase in value is misguided. From 1985 to 2002, it was flat. It's gone up and been far more volatile since then, and there has been significant declines which could eat at the stability of an emergency f... |
4386 | Will a small investment in a company net a worthwhile gain? | [
"236207",
"12885"
] | [
"If the shares rise in value 50% over the next few years, you will have the same return that I would see if I bought 100 or 1000 shares. The only issue with a small purchase is that even a $5 commission is a high percent. But the rest of the math is the same.",
"If you bought 5 shares @ $20 each that would cost ... |
4388 | Why are wire transfers and other financial services in Canada so much more expensive than in Europe? | [
"369202",
"98096",
"487502"
] | [
"I don't believe there is any particular structural or financial reason that outgoing wire transfers cost so much in Canada, their costs are no higher than other countries (and lower than many). Wires seem to be an area where the Canadian banks have decided people don't comparison shop, so it's not a competitive a... |
4389 | Is it safe to take a new mortgage loan in Greece? | [
"424744",
"487633",
"452169",
"280131"
] | [
"The safest financial decisions that you can make in Greece involve getting your money out of Greece. That said, it depends. If the economy is going to implode and you'll be out of the job with devalued savings -- you'll be bankrupt anyway. You didn't mention enough about your situation for anyone to really answer ... |
439 | Do I need a Like-Kind Exchange when selling a personal vehicle for a company car | [
"202630"
] | [
"You cannot do a like-kind (Sec. 1031) exchange for personal property, only for business/investment property. Since you said that you traded in your personal car - no like-kind exchange is possible. Also, since the new car doesn't belong to you - you didn't actually perform any exchange. You sold your old car, but ... |
4390 | How should I interpret this industry research? | [
"45022"
] | [
"As BobbyScon said in the comments, invest in a company that is developing in that field. Or invest in a company which supplies that field. The people who got rich in the California gold rush were those selling shovels and other miners' supplies. Or bet against whatever you think this will displace. If automobiles ... |
4391 | Does the USA have a Gold reserve? | [
"233577",
"100324",
"47383"
] | [
"The US does have a gold reserve. The main reserves are held at Fort Knox but there is even more gold, mostly owned by other countries, stored in the basement of the New York Federal Reserve Bank (Think Die Hard 3). The United States Bullion Depository, often known as Fort Knox, is a fortified vault building locate... |
4395 | The life cycle of money | [
"364744",
"99234"
] | [
"I'll answer but avoiding discussion of M1, M2 etc, too pedantic. I don't believe you are asking about the lifetime of either coins or paper money. I think you are referencing the fractional reserve system, and how a good portion of the total money supply is created by the banks lending out their deposits in effect... |
4396 | Stocks vs. High-yield Bonds: Risk-Reward, Taxes? | [
"138418",
"494928"
] | [
"",
"When credit locks up, junk bond prices fall rapidly, and you see more defaults. The opportunity to make money with junk is to buy a diversified collection of them when the market declines. Look at the charts from some of the mutual funds or ETFs like PIMCO High Yield Instl (PHIYX), or Northeast Investors (NT... |
4398 | What's behind the long secular bull market in U.S. Treasuries? | [
"253912",
"2085"
] | [
"I believe that it's largely irrational, fueled largely by foreign investors that are afraid to invest anywhere else. There are a few people out there right now who are writing about this: http://www.marketwatch.com/story/us-treasuries-largest-bubble-in-world-history-says-nia-2011-08-30 http://articles.businessinsi... |
4399 | Pros & cons of buying gold directly vs. investing in a gold ETF like GLD, IAU, SGOL? | [
"274859",
"369563"
] | [
"Owning physical gold (assuming coins): Owning gold through a fund:",
"If you want to speculate on gold price you should always buy an ETF/ETC (Exchange Traded Commodity). The reasons are simple: Easy to buy and sell (one mouse click) Cheap to buy and sell (small bank commission), compared to buy real gold (alway... |
4401 | Can a non dividend-paying product (say ETF) suddenly start paying dividends? | [
"420267"
] | [
"Yes, absolutely. Consider Microsoft, Updated Jan. 17, 2003 11:59 p.m. ET Software giant Microsoft Corp., finally bowing to mounting pressure to return some of its huge cash hoard to investors, said it will begin paying a regular annual dividend to shareholders. From Wall Street Journal. Thus, for the years... |
4403 | How do I go about finding an honest & ethical financial advisor? | [
"90153",
"112259",
"341455",
"580963",
"562325",
"71257",
"571539"
] | [
"\"You want a fee-only advisor. He charges like an architect or plumber: by the hour or some other \"\"flat fee\"\". That is his only compensation. He is not paid on commission at all. He is not affiliated with any financial services company of any kind. His office is Starbucks. He does not have a well lit off... |
4404 | Why do people use mortgages, when they could just pay for the house in full? | [
"504479",
"272634",
"241181",
"295089",
"569211",
"284051",
"438073"
] | [
"Good question. If a person has a choice, it is probably better to pay cash. But not always. If your large pile of cash can earn more being invested than cost of the interest to borrow a similar large pile of cash, it is beneficial to get a mortgage. Otherwise pay cash. EXAMPLE: A house costs $100,000. I have $100,... |
4405 | Homeowners: How can you protect yourself from a financial worst-case scenario? | [
"493900",
"344573",
"243627",
"440940"
] | [
"Think about your priorities in life. Everybody is a little different. In my case I have a wife and child, so these are priorities for me, and you might have your own depending on your story. So if I lost my job, and I have no more money coming in (unemployment insurance runs out, savings depleted) then the bank ... |
4407 | When a Company was expected and then made a profit of X $ then that X$ increased it's share price. or those the Sellers and Buyers [duplicate] | [
"283168"
] | [
"There are a few reason why share prices increase or decrease, the foremost is expectation of the investors that the company/economy will do well/not well, that is expectation of profit/intrinsic value growth over some time frame (1-4 qtrs.)there is also demand & supply mismatch over (usually) short time. If you re... |
4410 | Investments beyond RRSP and TFSA, in non-registered accounts? | [
"120133",
"276983"
] | [
"I quite like the Canadian Couch Potato which provides useful information targeted at investors in Canada. They specifically provide some model portfolios. Canadian Couch Potato generally suggests investing in indexed ETFs or mutual funds made up of four components. One ETF or mutual fund tracking Canadian bonds, a... |
4418 | What investment strategy would you deduce from the latest article from Charles Munger? | [
"163590"
] | [
"\"So, I've read the article in question, \"\"Basically, It's Over\"\". Here's my opinion: I respect Charlie Munger but I think his parable misses the mark. If he's trying to convince the average person (or at least the average Slate-reading person) that America is overspending and headed for trouble, the parable... |
4419 | What low-fee & liquid exchange-traded index funds / ETFs should I consider holding in a retirement portfolio? | [
"373688",
"138274",
"177036",
"566429"
] | [
"\"Here's a dump from what I use. Some are a bit more expensive than those that you posted. The second column is the expense ratio. The third column is the category I've assigned in my spreadsheet -- it's how I manage my rebalancing among different classes. \"\"US-LC\"\" is large cap, MC is mid cap, SC is small cap... |
442 | Why are earning credit card rewards often tied to groceries and gas? | [
"92144",
"355592"
] | [
"Every reward program has to have a funding source. If the card gives you x percent back on all purchases. That means that their business is structured to entice you to pump more transactions through the system. Either their other costs are lower, or the increased business allows them to make more money off of late... |
4420 | Can I make my savings keep in check with or beat inflation over a long time period via index funds? | [
"78586",
"511559",
"285560",
"499348",
"554213"
] | [
"\"Question 2 Some financial institutions can provide a way to invest small amounts with low or no cost fees over a period of time (like monthly, weekly, etc). For instance, a few brokerages have a way to buy specific ETFs for no cost (outside of the total expense ratio). Question 3 When someone says that investin... |
4421 | What's the difference between buying bonds and buying bond funds for the long-term? | [
"481312",
"409859",
"484486"
] | [
"\"A bond fund will typically own a range of bonds of various durations, in your specific fund: The fund holds high-quality long-term New York municipal bonds with an average duration of approximately 6–10 years So through this fund you get to own a range of bonds and the fund price will behave similar to you own... |
4422 | Why do volatility stocks/ETFs (TVIX, VXX, UVXY) trend down in the long-term? | [
"598238",
"526818",
"392041"
] | [
"\"In an attempt to express this complicated fact in lay terms I shall focus exclusively on the most influential factor effecting the seemingly bizarre outcome you have noted, where the price chart of VIX ETFs indicates upwards of a 99% decrease since inception. Other factors include transaction costs and managemen... |
4423 | Why aren't bond mutual funds seeing huge selloffs now? | [
"538898",
"265218"
] | [
"The Fed sets the overnight borrowing costs by setting its overnight target rate. The markets determine the rates at which the treasury can borrow through the issuance of bonds. The Fed's actions will certainly influence the price of very short term bonds, but the Fed's influence on anything other than very short ... |
4426 | Must ETF companies match an investor's amount invested in an ETF? | [
"359201",
"29184",
"366877"
] | [
"\"First, it's an exaggeration to say \"\"every\"\" dollar. Traditional mutual funds, including money-market funds, keep a small fraction of their assets in cash for day-to-day transactions, maybe 1%. If you invest $1, they put that in the cash bucket and issue you a share. If you and 999 other people invest $100 e... |
4427 | What does inflation mean to me? | [
"236146",
"206580",
"386390",
"475671",
"73883",
"424220"
] | [
"\"Inflation as defined in the general, has many impacts at a personal level. For example, you say that the reduction in the price of oil has no impact on you. That's absolutely not true, unless you're a hermit living off of the land. Every box or can or jar of food you buy off the shelf of the grocery store has ... |
4429 | Does a falling dollar mean doom for real estate? | [
"211447"
] | [
"A falling $AUD would be beneficial to exporters, and thus overall good for the economy. If the economy improves and exporters start growing profits, that means they will start to employ more people and employment will increase - and with higher employment, employees will become more confident to make purchases, in... |
443 | 1099 versus corporation to corporation for payments? | [
"194955"
] | [
"Do not mix personal accounts and corporate accounts. If you're paid as your self person - this money belongs to you, not the corporation. You can contribute it to the corporation, but it is another tax event and you should understand fully the consequences. Talk to a tax adviser (EA/CPA licensed in your State). If... |
4430 | What is the economic explanation for the high cost of weddings? | [
"497434"
] | [
"\"There is the price they want and the price you pay. Everything is negotiable when its a service (always possible, but usually harder with actual \"\"goods\"\"). You should always haggle and price match your vendors. You can also try going to different vendors and not telling them its for a wedding and see if the... |
4434 | What is the “point” (purpose) of the S&P 500? | [
"414470"
] | [
"I hate to point to Wikipedia as an answer, but it does describe exactly what you are looking for... The S&P 500 is a free-float capitalization-weighted index published since 1957 of the prices of 500 large-cap common stocks actively traded in the United States. The stocks included in the S&P 500 are th... |
4435 | Why did gold dip in 2011 | [
"60166"
] | [
"\"The cause of the increase in 2006-2011 was the financial crisis, where, if you recall, the global banking system came close to collapse for reasons that are well documented. Rightly or wrongly, gold is seen as a safe haven asset in times of crisis. The price of gold began to decline in 2011 when the markets deci... |
4436 | How to motivate young people to save money | [
"423193",
"55841",
"258911",
"504940",
"308130",
"142209",
"399511",
"99730"
] | [
"Talk freely about what you can now do because of saving. If you plan to retire sooner than most, or more comfortably than most, and can tie that to something you want them to do, show them that. If you buy a very nice car, or install a pool, and they wish they could afford that, tell them it took 5 or 10 or 20 yea... |
4437 | Buying Fixed Deposit in India from Europe | [
"516635",
"594686",
"125976",
"576569"
] | [
"If the intention is after maturing to convert back the Rupees into Euro, its not a good idea. Generally the interest rate in Euro and the interest rate in Rupee are offset by the predicted exchange rate. i.e. the Rupee will fall compared to Euro by similar rate. The point at Step 5 is generally what is expected t... |
4438 | What is the “Bernanke Twist” and “Operation Twist”? What exactly does it do? | [
"388391",
"517961"
] | [
"\"So \"\"Operation Twist\"\" is actually a pretty simple concept. Here's the break down: The Fed sells short-term treasury bonds that it already holds on its books. Short-term treasury bonds refer to - bonds that mature in less than three years. Then: Uses that money to buy long term treasury bonds. Long-term trea... |
4439 | Is it ever logical to not deposit to a matched 401(k) account? | [
"272223",
"2619",
"465916",
"281049",
"587633",
"162745"
] | [
"\"The original question was aimed at early payment on a student loan at 6%. Let's look at some numbers. Note, the actual numbers were much lower, I've increased the debt to a level that's more typical, as well as more likely to keep the borrower worried, and \"\"up at night.\"\" On a $50K loan, we see 2 potentia... |
444 | Why do most banks in Canada charge monthly fee? | [
"573518",
"175824",
"483282",
"479203"
] | [
"\"Arguably, \"\"because they can\"\". Canada's banking industry is dominated by five chartered banks who by virtue of their size, pretty much determine how banking is done in Canada. Yes, they have to abide by government regulation, but they carry enough weight to influence government and to some extent shape the... |
4440 | Should I buy a house or am I making silly assumptions that I can afford it? | [
"520519",
"71709",
"216384",
"157728",
"285525"
] | [
"\"The (interest bearing) mortgage of £300,000 would be SIX times your salary. That's a ratio that was found in Japan, and (I believe) was a main reason for their depressed economy of the past two decades. Even with an interest free loan of nearly £150,000, it would be a huge gamble for someone of your income. Esse... |
4441 | What is a subsidy? | [
"55177",
"305105",
"264184",
"465084"
] | [
"Subsidy usually means gratuitous financial support. For example, if for whatever reason you live much below the living average paying utility services in full might be too expensive - you'll be out of money before you even think of buying food and basic clothes. Yet it's clear that once can't live in a city withou... |
4443 | Who sets the prices on government bonds? | [
"265103"
] | [
"\"Who sets the prices? Effectively the market does, like basically all openly traded things. The Greek government could well have said \"\"5% is as high as we will go\"\". As a result, investors may not have chosen to buy the securities. The global bond market is highly liquid, and investors who have a choice co... |
4444 | What does quantitative easing 2 mean for my bank account? | [
"416483",
"399590",
"335951"
] | [
"QE2 will mean that there are about $500 billion dollars in existence which weren't there before. These dollars will all be competing with the existing dollars for real goods and services, so each dollar will be worth a little less, and prices will rise a little. This is inflation. You can probably expect 1.5%-2% a... |
4445 | What is the best credit card for someone with no credit history | [
"178460",
"11082",
"302412",
"135571",
"250681"
] | [
"If you've never had a credit card before a likely reason can be due to lack of credit history. You can apply for a department store card. Nordstroms, Macy's, Target will often grant a small line of credit even with no history. Target would be my first attempt as they have a wide selection of every day items, impro... |
4446 | Why are “random” deposits bad? | [
"82194"
] | [
"\"Random deposits are a bit like playing the lotery - especially if one is frequently chasing \"\"hot tips\"\". You might make it big, but the odds are vastly against you. \"\"Random\"\" deposits into various investments won't be optimal, because such \"\"random\"\" decisions will not be properly diversified and ... |
445 | Do I need to register as self employed in Ontario, Canada? | [
"178942"
] | [
"If your business name is your name, you are automatically considered a sole-proprietorship and any income you generate and expenses you incur can be calculated on your personal tax return. You can use QuickTax Home & Business tax software to lead you through the steps; you don't even need an accountant. One drawba... |
4453 | Is it worth trying to find a better minimum down payment for a first time home buyer? | [
"352339",
"27073",
"490258"
] | [
"It's worthwhile to try and find a better minimum down-payment. When I bought my home, I got an FHA loan, which drastically reduced the minimum down-payment required (I think the minimum is 3% under FHA). Be aware that any down-payment percentage under 20% means that you'll have to pay for private mortgage insura... |
4454 | classify investments in to different asset types | [
"87844",
"349355"
] | [
"REITs can be classified as equity, mortgage, or hybrid. A security that sells like a stock on the major exchanges and invests in real estate directly, either through properties or mortgages. Trades like equity but the underlying is a property ot mortgage. So you are investing in real estate but without directly de... |
4456 | What is the big deal about the chinese remnibi trading hub that opened in toronto | [
"180"
] | [
"Chinese suppliers can quote their price in CNY rather than USD (as has been typical), and thus avoid the exchange risk from US dollar volatility- the CNY has been generally appreciating so committing to receive payments in US dollars when their costs are in CNY means they are typically on the losing end of the equ... |
4459 | How frequently should I request additional credit? | [
"180838",
"110953"
] | [
"\"I don't know of a guideline to how often you can ask for an increase. You can ask as often as you like. As for consequences, refer to Is there a downside to asking for a credit increase?, where the consensus is that, aside from a possible (temporary) hard pull on your credit report, there's probably no risk to a... |
446 | Why do credit card transactions take up to 3 days to appear, yet debit transactions are instant? | [
"450371",
"89506"
] | [
"When you swipe your credit card, the terminal at the store makes a request of your bank, and your bank has only a few seconds to accept or reject the transaction. Once the transaction is accepted by your bank, it appears in the Pending transactions. At the end of the business day, the store submits all of the fina... |
4462 | What is the best way to stay risk neutral when buying a house with a mortgage? | [
"130388",
"422820",
"108486",
"569179",
"150632"
] | [
"To avoid risk from rising interest rates, get a fixed rate mortgage. For the life of the mortgage your principal and interest payments will remain the same. Keep in mind that the taxes and insurance portion of your monthly payment may still go up. Because you own the property, the costs to maintain the property ar... |
4463 | Relation between interest rates and currency for a nation | [
"354559",
"460755"
] | [
"What you are asking about is called Interest Rate Parity. Or for a longer explanation the article Interest Rate Parity at Wikipedia. If the US has a rate of say zero, and the rate in Elbonia is 10%, one believes that in a year the exchange rate will be shifted by 10%, i.e. it will take 1.1 unit of their currency ... |
4468 | Opportunity to buy Illinois bonds that can never default? | [
"501376",
"424166",
"577139",
"4966"
] | [
"\"Can't declare bankruptcy isn't the same as \"\"can't default\"\". Bankruptcy is a specific legal process for discharging or restructuring debts. If Illinois can't declare bankruptcy, that means it will still owe you the money for the bonds no matter what, but it doesn't guarantee that it will actually pay you ... |
4469 | How foreign cash is beneficial for a country? | [
"79288"
] | [
"Let me ask you another question: if that person stayed at home and made a widget instead, would exporting that widget benefit his home country? There is no difference, economically, between the two situations. A foreign worker sending home remittances is no different from a local manufacturer exporting their produ... |
447 | Why do VAT-registered businesses in the EU charge VAT to each other? | [
"297588",
"357079"
] | [
"Not doing this would defeat the entire purpose of a VAT. The reason for a VAT rather than a simple sales tax is that it's harder to evade. Having a simple sales tax with the type of rates that VAT taxes typically are is unworkable because evasion is too easy. Imagine I'm a retailer. I buy products from a wholesale... |
4470 | How will Brexit affect house mortgages? | [
"588608",
"103830"
] | [
"\"Only you can decide whether it's wise or not given your own personal circumstances. Brexit is certainly a big risk, and noone can really know what will happen yet. The specific worries you mention are certainly valid. Additionally you might find it hard to keep your job or get a new one if the economy turns bad,... |
4471 | How to quantify differences in return with low expense ratio vs high expense ratio mutual funds? | [
"518402"
] | [
"Yes you should take in the expenses being incurred by the mutual fund. This lists down the fees charged by the mutual fund and where expenses can be found in the annual statement of the fund. To calculate fees and expenses. As you might expect, fees and expenses vary from fund to fund. A fund with high costs must... |
4475 | How would bonds fare if interest rates rose? | [
"599436",
"31581"
] | [
"\"1. Interest rates What you should know is that the longer the \"\"term\"\" of a bond fund, the more it will be affected by interest rates. So a short-term bond fund will not be subject to large gains or losses due to rate changes, an intermediate-term bond fund will be subject to moderate gains or losses, and a ... |
4477 | How much does taking a Microeconomics course help you understand the field of investing? | [
"517386"
] | [
"Not much at all, especially an introductory level Microeconomics class. There are a few reasons for this: That's not to say that Economics isn't worth studying. I loved both my Micro and Macro class. But I probably got more useful investing knowledge from a class on linear regression."
] |
4478 | I don't understand all this techincal jargon | [
"513115"
] | [
"Note: While I think the above is a reasonable interpretation, I'm not about to take legal responsibility for it since I'm not a lawyer, if you need serious advice get a professional opinion through appropriate channels."
] |
448 | How To Report Cryptocurrency Earnings? | [
"378437",
"269987"
] | [
"\"While this does fall under the \"\"All-inclusive income\"\" segment of GI (gross income), there are two questions that come up. I invested in a decentralized bitcoin business and earned about $230 this year in interest from it Your wording is confusing here only due to how bitcoin works.\"",
"\"As cryptocurre... |
4480 | Should I buy a house because Mortgage rates are low | [
"266649",
"435740",
"54945",
"517750",
"503988"
] | [
"The simple answer is that you are correct. You should not purchase a house until you are financially stable enough to do so. A house is an asset that you must maintain, and it can be expensive to do so. Over the long term, you will generally save money by purchasing. However, in any given year you may spend much ... |
4481 | Paying tax for freelance work while travelling | [
"277370"
] | [
"Having freelanced myself in South America I could give you a sound advice BUT you would first need to answer some questions. 1) How long do you plan on being in South America? At the end of 2017 will you be back in Ireland or still being in South America? In other words was is your country of residence for tax pu... |
4482 | How is not paying off mortgage better in normal circumstances? | [
"356100",
"537721",
"169171",
"287656",
"375438",
"542463"
] | [
"\"The reason is that although the American economy is functioning normally, mortgage rates are stupid-low, and are below a prudent expectation of long-term (30 year) rates of return in the market. I manage endowments, so I say \"\"prudent\"\" in the context of endowment investment, which is the picture of cautio... |
4483 | Teaching school kids about money - what are the real life examples of math, budgeting, finance? | [
"406217",
"447010",
"335164"
] | [
"\"I am a numbers guy, the math is great. Instead of \"\"jane was twice her son's age when he married, and is now 1.5 times his age.....\"\" questions in math class, I think the math problems should mostly have dollar/pound signs in front of them. In general, I like the idea of relating to the kids' situations as ... |
4485 | Is there a country that uses the term “dollar” for currency without also using “cents” as fractional monetary units? | [
"10247",
"299820"
] | [
"\"Going through the list of economies that currently use the dollar, all of them list cents as a fractional unit. In Hong Kong and Taiwan, the 1/100 fractional unit is still called a cent, but it's no longer in circulation in coin form and only finds use in financial markets or electronic payments. In countries l... |
4489 | Are real estate prices memory-less? | [
"197966",
"450260",
"276556",
"81592"
] | [
"For various reasons, real estate prices exhibit far more memory than stock prices. The primary reason for this is that real estate is much less liquid. Transaction costs for stock trading are on the order of 10 basis points (0.1%), whereas a real estate transaction will typically have total costs (including titl... |
449 | Allocation between 401K/retirement accounts and taxable investments, as a young adult? | [
"130118",
"366146",
"526383"
] | [
"I'm afraid you're mistaking 401k as an investment vehicle. It's not. It is a vehicle for retirement. Roth 401k/IRA has the benefit of tax free distributions at retirement, and as long as you're in the low tax bracket - it is for your benefit to take advantage of that. However, that is not the money you would be us... |
4490 | What is the rationale behind stock markets retreating due to S&P having a negative outlook on the USA? | [
"393925",
"402967",
"129136",
"341427",
"129698"
] | [
"Many of the major indices retreated today because of this news. Why? How do the rising budget deficits and debt relate to the stock markets? It does seem strange that there is a correlation between government debt and the stock market. But I could see many reasons for the reaction. The downgrade by S&P may... |
4491 | As an investor or speculator, how might one respond to QE3 taper? | [
"59682",
"478711"
] | [
"\"Any answer for what to do in a taper will assume ceteris paribus because how markets initially react when they suspect a taper may immediately change depending on what data are released after the taper. For instance, I've seen Soros and a few other hedge fund managers hold shorts when expecting a taper because t... |
4492 | Does a stay at home mom need term life insurance? | [
"594697",
"528077",
"563931",
"506685"
] | [
"The way to think about this is: what would happen to the family if stay-at-home Mom were to die. You obviously can't do anything about the loss, grief and trauma, but think about the financial implications. Assuming that Dad continues to work, and that the child is young, you are going to have to find someone to t... |
4494 | Clarification of Inflation according to Forbes | [
"357232",
"547380"
] | [
"I think you're missing Simon Moore's point. His point is that, due to low inflation, the returns on almost all asset classes should be less than they have been historically, so we shouldn't rebalance our portfolio or withdraw from the market and hold cash based on the assumption that stocks (or any other asset) se... |
4495 | Buying a foreclosed property | [
"457269",
"308231",
"56126",
"497762"
] | [
"\"Usually... I think that's overstating the case. You CAN get a bargain (especially if the place is in not-so-great condition), but not every foreclosure will be a good deal even if it is priced well below its most recently appraised value. As the buyer it's your responsibility to determine whether it's priced we... |
4496 | Optimal Asset Allocation | [
"119392",
"344783",
"297100",
"554126"
] | [
"Generally a diversified portfolio will give you a better overall return --a couple of factors that may address what you are looking at - 1) Correlation - The correlation between your two funds is still very high -- it's partially a function of how global economies are related and many companies are now multi-natio... |
4498 | How to take advantage of record high household debt in Canada? | [
"260709"
] | [
"Some ideas:"
] |
45 | How to transfer personal auto lease to business auto lease? | [
"284610",
"261220"
] | [
"I'd approach the lender that you're getting the lease from, but be prepared for them either saying 'no' to putting the lease into the name of an LLC without any proven track record (because it hasn't been around for a while) or require you to sign a personal guarantee, which partially defeats the purpose of puttin... |
450 | Income Tax form in India for freelancing | [
"159709",
"347590"
] | [
"\"ITR1 or ITR2 needs to be filed. Declare the income through freelancing in the section \"\"income from other sources\"\"\"",
"Since you are living in India and earning income not from salary, you must file your tax return under ITR4(Profits or Gains of Business or Profession). You can do it online on IncomeTax ... |
4501 | What are the economic benefits of owning a home in the United States? | [
"235484",
"452231",
"271110",
"486751",
"186031"
] | [
"\"Is all interest on a first time home deductible on taxes? What does that even mean? If I pay $14,000 in taxes will My taxes be $14,000 less. Will my taxable income by that much less? If you use the standard deduction in the US (assuming United States), you will have 0 benefit from a mortgage. If you itemiz... |
4502 | For a mortgage down-payment, what percentage is sensible? | [
"447580",
"131854",
"61149",
"213790",
"375824",
"400896"
] | [
"\"The typical down-payment was expected to be 20%. The idea being that if one could not save 1/5 of the cost of a house, they were not responsible enough to ensure repayment of the loan. It is hard to say whether this is truly a relevant measure. However, in the absence of other data points, it is pretty decent.... |
4503 | Events that cause major movement in forex? | [
"319996",
"124254",
"379547",
"582063",
"452434",
"489509"
] | [
"Anything related to the central bank will have a large impact, as they are the ones who determine interest rates, and interest rates have a big effect on currency flows. GDP is also important, as when there is an economic slowdown it may result in the central bank reducing rates to boost economic activity. The op... |
4506 | Effect of country default on house prices? | [
"343913",
"17114"
] | [
"It could be a a way to preserve the value of your money, but depends upon various factors. If a country defaults, and it leads to hyper-inflation, by definition that means that money loses its purchasing power. In even simpler terms, it cannot buy as much tomorrow as I could today. Therefore people can be incente... |
4507 | Why was S&P 500 PE Ratio so high on May 2009 | [
"66753"
] | [
"\"Asking why the p/e was so high is best answered \"\"because reported earnings were so low\"\". Recall that the S&P500 bottomed in early March 2009 when the panic of the financial crisis reached exhaustion. As noted on the page you have linked, the reported p/e ratios are computed using reported earnings from th... |
4511 | Salary equivalency: London vs Berlin | [
"45583",
"592612"
] | [
"Coming to London at this point of time is not a wise decision, not that I mean to discourage you. The job market is quite competitive because loads of developers are in the markets, because of the layoffs. So be ready to wait for some time to land a role. Banks aren't recruiting that heavily, but that might change... |
4517 | Is it worth buying real estate just to safely invest money? | [
"343917",
"15951",
"80033",
"121017",
"283066",
"420496",
"206444",
"545623",
"18967"
] | [
"The main point to consider is that your payments toward your own home replace your rent. Any house or apartment you buy will have changes in value; the value is generally going slowly up, but there is a lot of noise, and you may be in a low phase at any time, and for a long time. So seeing it as an investment is n... |
4518 | What does a well diversified self-managed investment portfolio look like? | [
"312942",
"134542",
"477646",
"331008"
] | [
"Diversified is relative. Alfred has all his money in Apple. He's done very well over the last 10 years, but I think most investors would say that he's taking an incredible risk by putting everything on one stock. Betty has stock in Apple, Microsoft, and Google. Compared to Alfred, she is diversified. Charlie loo... |
452 | Should I be filling out form W-9 for somebody I sold used equipment to? | [
"467704"
] | [
"They are a business. You're not a corporation. They paid you more than $600 during the year, so they're supposed to send 1099 to you and the IRS about it. They need your taxpayer certification (W9) for that. They were supposed to ask for it before they paid you, but yes - they're supposed to ask for it."
] |
4521 | Why are the administrative fees for the three biggest donor-advised funds identical? | [
"187729"
] | [
"The commenters who referred you to the prisoner's dilemma are exactly correct, but I wanted to give a more detailed explanation because I find game theory quite interesting. The prisoner's dilemma is a classic scenario in game theory where even though it's in the best interests of two or more players to cooperate... |
4524 | Strategic countermeasures to overcome crisis in Russia | [
"384219",
"228459",
"305128",
"95044",
"44492"
] | [
"You could of course request payment in EUR or USD, maybe keep a PayPal account and just leave the funds in PayPal unless you need to withdraw the money in local currency? Either currency would be fine because the problem you are trying to overcome is the instability in the ruble. EUR and USD both accomplish that. ... |
4528 | Why do some people say a house “not an investment”? | [
"380753",
"271591",
"23983",
"332846",
"315168",
"31331",
"497547",
"68269",
"177442",
"53601"
] | [
"The below assessment is for primary residences as opposed to income properties. The truth is that with the exception of a housing bubble, the value of a house might outpace inflation by one or two percent. According to the US Census, the price of a new home per square foot only went up 4.42% between 1963 and 2008... |
453 | Where I am I liable for taxes? | [
"592926"
] | [
"You will have to pay your taxes in the UK not USA. For tax purposes it is the company's tax residency not where the server is located. You are just hiring a server in USA. Take for example a CDN being used for your same service then would you pay taxes in 300 different countries if you use Akamai? Does not work th... |
4532 | Latest China devaluation (24/08/2015) and the affect on house prices in UK | [
"70799"
] | [
"No. There is no indication that the recent decline will have an impact on the house market in the UK. The reason(s) for the downward move these last few weeks are mainly due to: The last two points caused the Chinese government to decide to devaluate the Yuan. This in turn triggered an unforeseen panic attack amon... |
4533 | Thinking of doing an MBA: Is an $80K top MBA school better than a $24K online MBA school? | [
"84605",
"229809"
] | [
"If you can get into the top school, it's a no-brainer to go that route. An MBA at a top school will not only give you an education taught by world-renowned professors but also a large network of students and alumni.",
"\"I met two MBA graduates from Harvard - both made VPs at large Canadian companies (i.e. $1B ... |
4537 | High Leverage Inflation Hedges for Personal Investors | [
"474575",
"387273",
"373013"
] | [
"$10k isn't really enough to make enough money to offset the extremely high risks in investing in options in this area. Taking risks is great, but a sure losing proposition isn't a risk -- it's a gamble. You're likely to get wiped out with leveraged options, since you don't have enough money to hedge your bets. Tim... |
4538 | Saving $1,000+ per month…what should I do with it? | [
"449294",
"433986",
"213521",
"173187",
"73811",
"502170"
] | [
"If you can get a rate of savings that is higher than your debt, you save. If you can't then you pay off your debt. That makes the most of the money you have. Also to think about: what are you goals? Do you want to own a home, start a family, further your education, move to a new town? All of these you would n... |
454 | Can I Accept Gold? | [
"144927",
"295980",
"110387",
"201183"
] | [
"\"You can accept almost anything mutually agreeable to you and the other party as payment. That's the definition of \"\"barter\"\". If you agree to trade manufactured goods for livestock, as long as both parties agree on the terms, I'm not aware of any law that would prohibit it. I hedged with \"\"almost\"\" becau... |
4540 | Why is being “upside down” on a mortgage so bad? | [
"373426",
"163997",
"547631",
"135287",
"40865",
"364332",
"273567",
"374543",
"60176",
"21885"
] | [
"I can think of a few reasons why they seem like a bigger deal to people than similar situations with other loans. As you point out, though, being underwater on your home loan is a less serious condition than having large student loans and a poor paying job, for example. If the student loan situation ever comes to... |
4547 | What is the pitfall of using the Smith maneuver | [
"290831"
] | [
"The catch is that you're doing a form of leveraged investing. In other words, you're gambling on the stock market using money that you've borrowed. While it's not as dangerous as say, getting money from a loan shark to play blackjack in Vegas, there is always the chance that markets can collapse and your investmen... |
4549 | Why does the stock market index get affected when a terrorist attack takes place? | [
"589127",
"238634"
] | [
"\"There are more than a few different ways to consider why someone may have a transaction in the stock market: Employee stock options - If part of my compensation comes from having options that vest over time, I may well sell shares at various points because I don't want so much of my new worth tied up in one comp... |
4550 | strategy for the out of favour mining sector | [
"92407",
"209349"
] | [
"At this particular time, I would strongly suggest holding on and not bailing. I've been following this sector pretty closely for 10+ years now. It has taken an absolute beating since 2011 (up to 90% down in many areas), and has been in a slow downward grind all year. Given the cyclical nature of the markets, yo... |
4554 | Is inflation inapplicable in a comparison of paying off debt vs investing? | [
"40768",
"95478"
] | [
"\"Debt is nominal, which means when inflation happens, the value of the money owed goes down. This is great for the borrower and bad for the lender. \"\"Investing\"\" can mean a lot of different things. Frequently it is used to describe buying common stock, which is an ownership claim on a company. A company is... |
Subsets and Splits
No community queries yet
The top public SQL queries from the community will appear here once available.