question_id stringlengths 1 5 | question stringlengths 14 158 | pos_item_ids listlengths 1 23 | pos_item_contents listlengths 1 23 |
|---|---|---|---|
4556 | UK student loans, early repayment/avoiding further debt | [
"571198"
] | [
"\"I think you're right that from a pure \"\"expected future value\"\" perspective, it makes sense to pay this loan off as quickly as possible (including not taking the next year's loan). The new student loans with the higher interest rates have changed the balance enough that it's no longer automatically better to... |
4558 | When to buy and sell bonds | [
"582035",
"227433"
] | [
"Why does selling a bond drive up the yield? The bond will pay back a fixed amount when it comes due. The yield is a comparison of what you pay for the bond and what will be repaid when it matures (assuming no default). Why does the yield go up if the country is economically unstable? If the country's economy is un... |
4559 | Why are currency forwards needed? | [
"538677",
"344004",
"61514",
"275058",
"124862"
] | [
"Can't I achieve the exact same effect and outcome by exchanging currency now and put that amount of USD in a bank account to gain some interest, then make the payment from one year from now? Sure, assuming that the company has the money now. More commonly they don't have that cash now, but will earn it over the t... |
456 | Can a company have a credit rating better than that of the country where it is located? | [
"146995",
"168382"
] | [
"\"BlackJack's answer is technically correct: government credit ratings are independent of corporate credit ratings. The rating should reflect the borrower's ability to repay its obligations. One reason the book you read may have stated that corporate credit ratings cannot be better than the government's credit ra... |
4562 | How do euro hedged index funds work? | [
"128048"
] | [
"\"When you invest in an S&P500 index fund that is priced in USD, the only major risk you bear is the risk associated with the equity that comprises the index, since both the equities and the index fund are priced in USD. The fund in your question, however, is priced in EUR. For a fund like this to match the perfor... |
4564 | Is Cost of Living overstated? | [
"309462",
"415991",
"412641",
"158140",
"210961",
"302532"
] | [
"New York City is high cost-of-living, and I have absolutely no clue why people live there. It's a tough place, and the taxes are oppressive. People buy a studio apartment for $150,000 that has 175 square feet (that's not a typo) plus a $700/month maintenance fee that continues after the mortgage is paid off. An... |
4565 | How can a person protect his savings against a country default? | [
"267554",
"467825",
"135524"
] | [
"The default of the country will affect the country obligations and what's tied to it. If you have treasury bonds, for example - they'll get hit. If you have cash currency - it will get hit. If you're invested in the stock market, however, it may plunge, but will recover, and in the long run you won't get hit. If y... |
4566 | Should I invest in the world's strongest currency instead of my home currency? | [
"557550",
"42951",
"16090",
"18200"
] | [
"First, currencies are not an investment; they are a medium of exchange; that is, you use currency to buy goods and services and/or investments. The goods and services you intend to buy in your retirement are presumably going to be bought in your country; to buy these you will need your country's currency. The inve... |
4567 | How to read a mutual fund spec sheet? | [
"514529",
"451855"
] | [
"\"The 0.14% is coming out of the assets of the fund itself. The expense ratio can be broken down so that on any given day, a portion of the fund's assets are set aside to cover the administrative cost of running the fund. A fund's total return already includes the expense ratio. This depends a lot on what kind of ... |
457 | Do I owe taxes in the US for my LLC formed in the US but owned by an Indian citizen? | [
"59686",
"276411"
] | [
"You're doing business in the US and derive income from the US, so I'd say that yes, you should file a non-resident tax return in the US. And in Connecticut, as well, since that's where you're conducting business (via your domestic LLC registered there). Since you paid more than $600 to your contractor, you're prob... |
4570 | Can the Securities Investor Protection Corporation (SIPC) itself go bankrupt? | [
"415915",
"418336"
] | [
"\"SIPC is a corporation - a legal entity separate from its owners. In the case of SIPC, it is funded through the fees paid by its members. All the US brokers are required to be members and to contribute to SIPC funds. Can it go bankrupt? Of course. Any legal entity can go bankrupt. A person can go bankrupt. A coun... |
4572 | Is it possible for me to keep my credit card APR at 0% permanently? | [
"268490",
"546874",
"353975",
"322517",
"232797"
] | [
"If you pay your statement balance in full before the due date you will never pay a cent in interest no matter what your interest rate is.* In fact, I don't even know what my interest rates are. Credit card companies offer this sort of thing in the hopes you will spend more than you can afford to pay completely in... |
4574 | Understanding the phrase “afford to lose” better | [
"185123",
"273047",
"44089",
"556913",
"447353",
"237189",
"44118"
] | [
"\"Well.... If you have alllll your money invested, and then there's a financial crisis, and there's a personal crisis at the same time (e.g. you lose your job) then you're in big trouble. You might not have enough money to cover your bills while you find a new job. You could lose your house, ruin your credit, or s... |
4575 | First job: Renting vs get my parents to buy me a house | [
"264235",
"201797",
"338976",
"410284",
"80838",
"412868",
"363120",
"404365",
"149259",
"81950"
] | [
"Rent. You have no idea whether you will still be in the same part of the country five years from now; you may not even be in the same country. A house is a boat anchor you really do not need or want at this time. It's also a set of obligations you may not want to take on yet. And buying is not automatically more ... |
4576 | Buying a house, Bank or rent to own? | [
"313623",
"462532",
"358687",
"9793"
] | [
"\"It depends on the deal: and you didn't give any details. That said, there are some things that stand out regardless, and some more specific answers to your questions. First, Mortgage rates (at the bank) are absurdly low right now. Like 4%-5%; less than 4% for excellent credit. You say your credit is ok, so unles... |
4577 | Peer to Peer Lending Small notes Vs Large Notes | [
"264160"
] | [
"\"I started with lending club about a year ago. I love it. It has been insightful. Off topic, but I am in a loan to a guy who make 120K a year and is regularly late and has a pretty high interest rate. Crazy. You gain some economies of scale by going with a bigger note. I have $100 notes that I get hit for 2 ... |
458 | How would IRS treat reimbursement in a later year of moving expenses? | [
"263485",
"218858"
] | [
"IRS pub 521 has all the information you need. Expenses reimbursed. If you are reimbursed for your expenses and you use the cash method of accounting, you can deduct your expenses either in the year you paid them or in the year you received the reimbursement. If you use the cash method of accounting, you can ... |
4580 | Any experience with maxing out 401(k)? | [
"122910",
"7323",
"481793",
"302453",
"306482",
"416743",
"3104",
"247410",
"537792",
"262468"
] | [
"The biggest challenge as a young person maxing out a 401k in my opinion is the challenge of saving for a house, and (if necessary) paying off student loans. You have to consider - are you OK renting for the next 3, 5, 10 years? Or do you eventually want to buy a place? how much will that cost vs your current expen... |
4582 | How much money should I lock up in my savings account? | [
"80009",
"515974",
"362250",
"223872",
"470334"
] | [
"Firstly well done on building a really sold base of savings. An emergency fund needs to have two key characteristics: Be enough to get you through a typical emergency event (often seen as approx. ~6 months’ salary in your style of situation assuming you have no dependents etc) Be liquid and available to you instan... |
4584 | What forces cause a company to write down goodwill? | [
"468141"
] | [
"To understand the answer we first have to understand what Goodwill is. Goodwill in a companies balance sheet is an intangible asset that represents the extra value because of a strong brand name, good customer relations, good employee relations and any patents or proprietary technology. An article from The Economi... |
4588 | Do large market players using HFT make it unsafe for individual investors to be in the stock market? | [
"583378",
"459512",
"197856",
"75414"
] | [
"There's a lot of hype about HFT. It involves computers doing things that people don't really understand and making a bunch of rich guys a bunch of money, and there was a crisis and so we hate rich wall street guys this year, and so it's a hot-button issue. Meh. There's some reason for concern about the safety of t... |
4589 | Formula to determine readiness to retire based on age, networth and annual expense | [
"10665"
] | [
"\"The standard interpretation of \"\"can I afford to retire\"\" is \"\"can I live on just the income from my savings, never touching the principal.\"\" To estimate that, you need to make reasonable guesses about the return you expect, the rate of inflation, your real costs -- remember to allow for medical emergenc... |
4590 | Is a fixed-price natural gas or electricity contract likely to save money? | [
"267233",
"662",
"263050",
"283100",
"580406"
] | [
"In my area, the fixed prices are based on an average. My gas company will look at my previous months (six months if I remember correctly) payments and give me an average based on that amount. Then I am contracted for a year based on that average. If I lower my costs, I'm under contract and will not see the savings... |
4591 | How are bonds affected by the Federal Funds Rate? | [
"214710",
"577578"
] | [
"\"I'll answer your question, but first a comment about your intended strategy. Buying government bonds in a retirement account is probably not a good idea. Government bonds (generally) are tax advantaged themselves, so they offer a lower interest rate than other types of bonds. At no tax or reduced tax, many pe... |
4592 | Ways to save for child's college education where one need not commit to set contributions? [duplicate] | [
"233401",
"360285",
"93219",
"471019"
] | [
"529 plans. They accumulate earnings over time and by the time your child goes to college you will be able to withdraw funds for college TAX FREE. The best part about 529s is that there are several different options you can choose from, and you aren't limited to the plans sponsored by your state, you can use whic... |
4594 | Variations of Dual momentum | [
"474129"
] | [
"\"There's a few layers to the Momentum Theory discussed in that book. But speaking in general terms I can answer the following: Kind of. Assuming you understand that historically the Nasdaq has seen a little more volatility than the S&P. And, more importantly, that it tends to track the tech sector more than the g... |
4596 | TOCOM oil in USD | [
"479914"
] | [
"TOCOM Crude is a cash-settled blend of Oman and Dubai crude oil, both quoted in USD. The daily settlement price is mark to market, but the final settlement price is based on reported prices from Dubai and Oman (or calculated in some cases with a known procedure), averaged and then converted to Yen using monthly a... |
46 | Tutoring Business Payroll Management | [
"91325"
] | [
"\"This is going to depend on the tax jurisdiction and I have no knowledge of the rules in Illinois. But I'd like to give you some direction about how to think about this. The biggest problem that you might hit is that if you collect a single check and then distribute to the tutors, you may be considered their e... |
460 | Transfer $70k from Wells Fargo (US) to my other account at a Credit Union bank | [
"591357",
"556021",
"555097"
] | [
"The LLC is paying you. It would only be fraudulent if you were trying to move the money out of the LLC to avoid a liability. I'm pretty sure the transaction will be taxable income for you personally. Consider consulting with a CPA to ensure that you're doing the proper record keeping and to get advice on the be... |
4601 | Why are U.S. Treasury interest rates are so low vs. other nearly risk-free rates? | [
"3455"
] | [
"As I'm sure you are reading in Hull's classic, the basic valuation of bonds depends on the chance of entity defaulting on those bonds. Let's start with just looking at the US. The United States has a big advantage over corporations in issuing debt as it also prints the same currency that the debt is denominated ... |
4602 | As an investing novice, what to do with my money? | [
"466552",
"41357",
"422739",
"219563"
] | [
"I'd keep the risk inside the well-funded retirement accounts. Outside those accounts, I'd save to have a proper emergency fund, not based on today's expenses, but on expenses post house. The rest, I'd save toward the downpayment. 20% down, with a reserve for the spending that comes with a home purchase. It's my o... |
4606 | How do I bring money overseas? | [
"511647",
"507983"
] | [
"\"This page from TripAdvisor may be of interest. Look at what fees are charged on your ATM cards and credit cards, and consider overpaying your credit card so you have a credit balance that you can draw on for cash \"\"advances\"\" from ATMs that will dispense in local currency. Depending on what fees your bank c... |
4609 | Value of tokens bought at an older price | [
"4188"
] | [
"\"You will make a profit in nominal dollars (or nominal units of whatever currency you used to buy the token). Whether you'll make a profit in real dollars depends on inflation, and in practice whether it would be possible to sell your existing tokens to someone else for the new price. Suppose when the price was ... |
461 | I have $100,000 in play money… what to do? | [
"237392",
"159156",
"101329",
"239459",
"502203"
] | [
"",
"\"For any sort of investment you need to understand your risks first. If you're going to put money into the stock or bond market I would get a hold of Graham's \"\"The Intelligent Investor\"\" first, or any other solid value investing book, and educate yourself on what the risks are. I can't speak about real... |
4610 | Boyfriend is coowner of a house with his sister, he wants to sell but she doesn't | [
"202818",
"498659",
"466138",
"478737",
"363285",
"415104",
"324967",
"69058"
] | [
"He needs to go see a lawyer to find out what all his options are, and the consequences of any of them. Then he needs to get help extricating himself from this situation, in whatever fashion he chooses: buyout, giveaway, what have you. This situation involves property, which involves money, so definitely get profes... |
4611 | Investment property information resources | [
"16013",
"118653"
] | [
"\"I personally found the \"\"For Dummies\"\" books, on property investment, very helpful and a great primer. I found them unbiased and very informative, laying out the basic principles. Depending on your knowledge it can provide you with enough of a foundation to have an informed conversation with banks/real estat... |
4612 | How do I know if a dividend stock is “safe” and not a “dividend yield trap”? | [
"146091",
"458345",
"11032"
] | [
"\"zPesk has a great answer about dividends generally, but to answer your question specifically about yield traps, here are a few things that I look for: As with everything, if it looks too good to be true, it probably is. A 17% yield is pretty out of this world, even for a REIT. And I wouldn't bet on it holding ... |
4617 | What are the downsides that prevent more people from working in high-income countries, and then retiring in low-income (and cost of living) ones? | [
"235014",
"529085",
"335982",
"522906",
"68400",
"324585",
"68022",
"407043",
"93521"
] | [
"\"There are two parts to the hack you describe. One is moving to a high-cost, high-pay country to work, and the other is moving to a low-cost, low-pay country to retire. As Dilip mentioned in a comment, the first part is not so easy in many cases. You can't just take a plane to the USA and start making big bucks... |
4618 | Why buy bonds in a no-arbitrage market? | [
"520562",
"406926",
"89181",
"288663",
"451923",
"256663"
] | [
"Rates are a complex field. I will assume that context wise you are talking about rates for a individual saver quantities. The two rates you are asking about are personal bank saving account and exchange traded bonds. The points you want to compare between them are. In general, a bond is what we called a fixed rate... |
4619 | Are the stocks of competitor companies negatively correlated? | [
"381164",
"262925",
"511769"
] | [
"Not especially. It depends on why sales have changed. If it's just consumer demand, that affects everyone in parallel rather than pushing in opposite direactions. If it's changes other than sales, that may have no effect on other companies. If it's because someone introduced the next must-have-it device and they'r... |
462 | Is it possible, anywhere in the US for a funding firm to not have a license number showing somewhere? | [
"447167",
"393152"
] | [
"In the United states the US government has the Small Business Administration. They also have Small Business Development Centers SMDC to help. These are also supported by state governments and colleges and universities. SBDCs provide services through professional business advisors such as: development of busines... |
4620 | Should I invest in real estate to rent, real estate to live in, or just stocks and bonds to earn 10-15%? | [
"72578",
"118999",
"503261",
"349458"
] | [
"\"You are in your mid 30's and have 250,000 to put aside for investments- that is a fantastic position to be in. First, let's evaluate all the options you listed. Option 1 I could buy two studio apartments in the center of a European capital city and rent out one apartment on short-term rental and live in the othe... |
4621 | Should I start investing in property with $10,000 deposit and $35,000 annual wage | [
"92403",
"507029",
"520563",
"222914"
] | [
"You want to buy a house for $150,000. It may be possible to do this with $10,000 and a 3.5% downpayment, but it would be a lot better to have $40,000 and make a 20% downpayment. That would give you a cushion in case house prices fall, and there are often advantages to a 20% downpayment (lower rate; less mandator... |
4623 | Recent college grad. Down payment on a house or car? | [
"96043",
"16606",
"166314",
"407350",
"201628",
"147589",
"420259",
"1145",
"270502",
"532609"
] | [
"$27,000 for a car?! Please, don't do that to yourself! That sounds like a new-car price. If it is, you can kiss $4k-$5k of that price goodbye the moment you drive it off the lot. You'll pay the worst part of the depreciation on that vehicle. You can get a 4-5 year old Corolla (or similar import) for less than h... |
4624 | Protecting savings from exceptional taxes | [
"218045",
"76515",
"577806"
] | [
"\"What EU wanted to force Cyprus to do is to break the insurance contract the government has with the bank depositors. The parliament rightfully refused, and it didn't pass. In the EU, and Cyprus as part of it, all bank deposits are insured up to 100,000EUR by the government. This is similar to the US FDIC insuran... |
4625 | Does high frequency trading provide economic value? | [
"594475",
"126719"
] | [
"\"This is a very important question and you will find arguments from both sides, in part because it is still understudied. Ben Golub, Economics Ph.D., from Stanford answers \"\"Is high-frequency trading good for the economy?\"\" on Quoram quite well. This is an important but understudied question. There are few ... |
4630 | The Asset Allocation Paradox | [
"391861",
"591461"
] | [
"Asset Allocation serves many purposes, not just mitigating risk via a diversification of asset classes, but also allowing you to take a level of risk that is appropriate for a given investor at a given time by how much is allocated to which asset classes. A younger investor with a longer timeframe, may wish to tak... |
4633 | Accepting high volatility for high long-term returns | [
"199237",
"500863",
"26335"
] | [
"\"This is basically what financial advisers have been saying for years...that you should invest in higher risk securities when you are young and lower risk securities when you get older. However, despite the fact that this is taken as truth by so many financial professionals, financial economists have been unable ... |
4634 | Should I invest in my house, when it's in my wife's name? | [
"570964",
"405581",
"494166",
"256890",
"510076",
"571487"
] | [
"The best answer to this question will depend on you and your wife. What is 'fair' for some may not be 'fair' for others. Some couples split expenses 50:50. Some split proportionately based on income. Some pool everything together. What works best for you will depend on your relative incomes, your financial goals, ... |
4636 | Is it possible for the average person to profit on the stock market? | [
"44349",
"193463",
"485766",
"497786",
"200093"
] | [
"\"There's a huge difference between \"\"can an anverage person make a profit on the stock market\"\" and \"\"can an average person get rich off the stock market\"\". It is certainly possible for an average person to profit, but of course you are unlikely to profit as much as the big Wall Street guys. An S&P 500 i... |
464 | How to deduct operational loss from my personal income tax? | [
"167494"
] | [
"\"I'm not an accountant, and you should probably get the advice of one to be sure about what to do. However, if the business is a sole-proprietorship, you'd complete a Schedule C for the business, and you'd end up with a loss at the end. If the investment you made in the business is considered to be entirely or ... |
4642 | What is the risk-neutral probability? | [
"146926"
] | [
"\"You have actually asked several questions, so I think what I'll do is give you an intuition about risk-neutral pricing to get you started. Then I think the answer to many of your questions will become clear. Physical Probability There is some probability of every event out there actually occurring, including th... |
4643 | Prices go up and salary doesn't: where goes delta? | [
"332338",
"548682",
"97825",
"196405",
"579114"
] | [
"\"Where goes the Delta? To the sea, of course. Your question is very valid and for once, I think most of the answers are too involved into mechanical details and are badly missing the big picture. At the risk of over simplifying things, let me try to describe the situation in broad strokes: Inflation: the volume... |
465 | Can my company buy my personal debt? | [
"446553"
] | [
"When your debt is forgiven, you have to consider the amount written off as an ordinary income item (with the exclusion of the debt originated from the purchase of primary home). If you're trying to write the debt off from your taxes - then it won't work. Even if you can expense the debt forgiveness, you will incur... |
4650 | Retirement Options for Income | [
"594959",
"181961",
"109292"
] | [
"\"I can think of one major income source you didn't mention, dividends. Rather than withdrawing from your pension pot, you can roll it over to a SIPP, invest it in quality dividend growth stocks, then (depending on your pension size) withdraw only the dividends to live on. The goal here is that you buy quality di... |
4651 | What does “Yield Curve” mean? | [
"475418",
"416513"
] | [
"\"Great question! A Yield Curve is a plot of the yields for different maturities of debt. This can be for any debt, but the most common used when discussing yield curves is the debt of the Federal Government. The yield curve is observed by its slope. A curve with a positive slope (up and to the right) or a steep... |
4653 | How do banks lose money on foreclosures? | [
"28375",
"145404"
] | [
"\"The \"\"just accounting\"\" is how money market works these days. Lets look at this simplified example: The bank creates an asset - loan in the amount of X, secured by a house worth 1.25*X (assuming 20% downpayment). The bank also creates a liability in the amount of X to its depositors, because the money lent w... |
4654 | Is diversification better | [
"387492",
"153989",
"322806"
] | [
"\"There are probably 3-4 questions here. Diversification - A good index, a low cost S&P fund or ETF can serve you very well. If you add an extended market index or just go with \"\"Total market\"\", that might be it for your stock allocation. I've seen people with 5 funds, and it didn't take much analysis to see ... |
4655 | Moving from Google Finance to Yahoo Finance | [
"91671"
] | [
"Perhaps you should use your own tracking software, such as GnuCash, Quicken, Mint, or even Excel. The latter would work given you say you're manually putting in your transactions. There's lots of pre-done spreadsheets for tracking investments if you look around. I'm hoping that a web search gets you help on ... |
4657 | Search index futures in Yahoo Finance or Google Finance | [
"27303",
"15112",
"459459"
] | [
"Options - yes we can :) Options tickers on Yahoo! Finance will be displayed as per new options symbology announced by OCC. The basic parts of new option symbol are: Root symbol + Expiration Year(yy)+ Expiration Month(mm)+ Expiration Day(dd) + Call/Put Indicator (C or P) + Strike price Ex.: AAPL January 19 20... |
4659 | New car cash vs finance | [
"68631",
"165550"
] | [
"Yes, maybe. Sometimes the mother company (that makes the car) covers a bit of the loss that comes from the super-offer loan, so the dealer loses a bit less. But generally, you are right. you should be able to talk them into some rebate that gets you around the given number, depending on how good you are a negotiat... |
466 | Need small buisness ideas with 100k $ budjet in a 3rd world country | [
"217218"
] | [
"Firstly, I highly doubt anyone on this site will be able to provide you with accurate input on this matter regarding what TO DO. It's the what not to do that may be possible. That said, if you want to offer equipment for rent, which in a developing country is probably a decent idea, I'd start by asking around and... |
4662 | Why does Google Finance show the NASDAQ Composite way up but Yahoo! Finance shows it slightly down? | [
"300298"
] | [
"First - Google's snapshot - Then - Yahoo - I took these snapshots because they will not exist on line after the market opens, and without this context, your question won't make sense. With the two snapshots you can see, Yahoo shows the after hours trades and not just the official market close for the day. The am... |
4663 | Google Finance Cash Flow Statement | [
"296006"
] | [
"I'm a big believer in pulling the quarterly and or annual statements and deriving your own analysis. The automated parsing systems at Google, Yahoo, and others are a good starting point and they'll let you generally compare various metrics of different companies or market segments. With that in mind, there are a... |
4664 | Yahoo finance vs SEC filings fundamentals | [
"266221"
] | [
"\"Sure, Yahoo Finance makes mistakes from time to time. That's the nature of free data. However, I think the issue here is that yahoo is aggregating several line items into one. Like maybe reporting cash equivalents plus total investment securities minus loans as \"\"cash equivalents.\"\" This aggregation is do... |
4665 | Finance the land on a non-financeable house? | [
"311830"
] | [
"Some lenders will make loans for vacant land, others will not. You have to discuss with local bank what are your plan for the land: live in the old mobile home; install a new mobile home; build a new house; Sell it to a developer; use it for camping... Is the property part of a development with other mobile homes?... |
4667 | Yahoo Finance shows incorrect data | [
"491082"
] | [
"Yes, I see the same problem. Google's version seems to be correct, however."
] |
4668 | Finance options for a new furnace. | [
"545123"
] | [
"You walk into the finance company with a written quote from the supplier for the equipment you want to buy. You then fill out forms and sign a promissory note. The finance company then writes out a check to the supplier for the amount of the quoted equipment. Usually you need to provide at least 3 things: They wil... |
4669 | Do query services like Google Finance and Yahoo Finance go back to correct busted and adjusted trades? | [
"462384"
] | [
"No. Busts are very infrequent, and if an equity were illiquid enough to be affected, the bust cost would be enormous. For a liquid equity, the amount of busted volume is insignificant except during a flash crash or flash spike. Then it would be reasonable to redownload."
] |
467 | Tax Write-offs and knowing how much I need to spend before the end of the year | [
"344340"
] | [
"\"(I'm assuming USA tax code as this is untagged) As the comments above suggest there is no \"\"right\"\" answer or easy formula. The main issue is that you likely got into business to make money and if you make money consistently you will pay taxes. Reinvesting generally should be a business decision where the ... |
4671 | Why does Yahoo Finance list the 10y T note (TNX) at 1/10 of CBOE and Google Finance? | [
"86318"
] | [
"\"The CBOE states, in an investor's guide to Interest Rate Options: The Options’ Underlying Values Underlying values for the option contracts are 10 times the underlying Treasury yields (rates)— 13-week T-bill yield (for IRX), 5-year T-note yield (for FVX), 10-year T-note yield (for TNX) and 30-year T-bo... |
4672 | How do finance professionals procounce “CECL”? | [
"549798"
] | [
"\"According to the following links, it is commonly pronounced \"\"Cecil\"\". https://kaufmanrossin.com/blog/bank-ready-meet-cecil/ The proposed model introduces the concept of shifting from an incurred loss model to the current expected credit loss model commonly referred to as CECL (pronounced “Cecil”). htt... |
4673 | How is yahoo finance P/E Ratio TTM calculated? | [
"365799",
"465536"
] | [
"The correct p/e for bp.l is 5.80. Bp.l is on the London stock exchange and prices are in local currency. The share price of 493 is reported in pence (not dollars). The EPS is reported in pounds. Using .85 pounds = 85 pence, you calculate the EPS as follows: 493.40/85 = 5.80 PE Yahoo totally screwed up. They conver... |
4674 | Personal finance management: precise or approximately? | [
"84563",
"552581"
] | [
"If you are off by coins, how can you be sure that you only made a typo and didn't miss a transaction? To start off, I would strongly you find a way to be precise. It doesn't matter so much in the accounting, but the habit of doing a thorough job will pay off in other dividends down the line. Basically, do the pe... |
4675 | Is there any “Personal” Finance app that allows 2 administrators? | [
"45665",
"425738",
"19258"
] | [
"We use YNAB to handle our household budget - their latest version allows cloud sync between Android/iOS devices and various desktop installs. I have the budget folder shared with my wife's Dropbox account so we both an view the budget, enter spending, and make changes.",
"\"We use mint for just that. We have a ... |
4676 | Car finance (loan) insurance requirements (store car) | [
"240685",
"34043"
] | [
"\"Okay, definitive answer for this particular company (Toyota Finance) is (somewhat surprisingly, and glad I asked) it must be fully insured at all times, including liability, even if being stored. I asked at a dealership and they answered \"\"just fire and theft (of course)\"\" but I ended up calling their finan... |
4679 | Google Finance gain value incorrect because of currency fluctuation | [
"100057"
] | [
"You can easily build a Google Sheet spreadsheet to track what you want as Sheet has a 'googlefinance()' function to look-up the same prices and data you can enter and track in a Google Finance portfolio, except you can use it in ways you want. For example, you can track your purchase price at a fixed exchange rate... |
468 | Loan holder wants a check from the insurance company that I already cashed and used to repair my car | [
"498927",
"536760"
] | [
"What would happen if you was to cash a check, didn’t realize it was to you and your finance company, take it to a local business that has a money center, they cash the check without even having you sign let alone having the finance companies endorsement on it . The money cleared my account like a couple mo... |
4682 | Specifically, what does the Google Finance average volume indicate? | [
"418124"
] | [
"I hovered over the label for trading volume and the following message popped up: Volume / average volume Volume is the number of shares traded on the latest trading day. The average volume is measured over 30 days."
] |
4683 | Online Personal finance with QIF import | [
"374518"
] | [
"\"Unfortunately I don't think any of the online personal finance applications will do what you're asking. Most (if not all) online person finance software uses a combination of partnerships with the banks themselves and \"\"screen scraping\"\" to import your data. This simplifies things for the user but is typical... |
4684 | Finance car with or with out a balloon payment | [
"357687"
] | [
"That interest rate (13%) is steep, and the balloon payment will have him paying more interest longer. Investing the difference is a risky proposition because past performance of an investment is no guarantee of future performance. Is taking that risk worth netting 2%? Not for me, but you must answer that last ques... |
4686 | Is there any online personal finance software without online banking? | [
"407899",
"74503",
"120954",
"218678",
"85433",
"386349",
"129681"
] | [
"CashBase has a web app, an iPhone app and an Android app, all sync'ed up. It doesn't integrate with banks automatically, but you can import bank statements as CSV. Disclosure: Filip is CashBase's founder.",
"neobudget.com is a website that does exactly what you are describing. It is set up for electronically usi... |
4688 | Best personal finance software for Mac for German resident | [
"467508"
] | [
"I haven't used it in years, but look at GnuCash. From the site, one bullet point under Feature Highlights:"
] |
4689 | Personal finance web service with account syncing in Germany | [
"72088",
"536364"
] | [
"\"I don't think there is a law against it. For example comdirect offers multi banking so you can access your accounts from other banks through the comdirect website. My guess would be: Germans are very conservative when it comes to their money (preferring cash above cards, using \"\"safe\"\" low interest saving ac... |
4690 | How to save criteria in Google Finance Stock Screener? | [
"483269"
] | [
"\"There is probably a better way, but you can do the following: (1) Right click on the right pointing arrow next to the \"\"1-20 of xx rows\"\" message at the bottom right of the table, and select \"\"Copy link location\"\" (2) Paste that into the location (3) At the end of the pasted text there is a \"\"&output=j... |
4691 | Return on asset (ROA) value for a stock is reported differently on Yahoo Finance and MarketWatch | [
"523303",
"430051"
] | [
"\"Why there is this huge difference? I am not able to reconcile Yahoo's answer of 5.75%, even using their definition for ROA of: Return on Assets Formula: Earnings from Continuing Operations / Average Total Equity This ratio shows percentage of Returns to Total Assets of the company. This is a useful measure in ... |
4692 | Retired, want to buy a mobile home; how to finance? | [
"258431"
] | [
"Do you think your 403b will earn more than the mortgage interest rate? If so, then mortgage seems the way to go. Conservative investment strategies might not earn much more than a 3-4% mortgage, and if you're paying 5-6% it's more likely you'll be earning less than the mortgage. From another point of view, though... |
4695 | Where to start with personal finance in Canada? | [
"444568"
] | [
"There are some great answers on this site similar to what you asked, with either a non-jurisdictional or a US-centric focus. I would read those answers as well to give yourself more points of view on early investing. There are a few differences between Canada and the US from an investing perspective that you shoul... |
4696 | Getting live data from Yahoo! Finance for the National Stock Exchange of India (NSE)? | [
"591252"
] | [
"I wouldn't think so. If you read the list of features listed on the page you referred to, notice: Track Stocks It looks like it is restricted to the major U.S. stock markets. No mention of India's NSE."
] |
4698 | What time period is used by yahoo finance to calculate beta | [
"261994"
] | [
"Citing the Yahoo Finance Help page, Beta: The Beta used is Beta of Equity. Beta is the monthly price change of a particular company relative to the monthly price change of the S&P500. The time period for Beta is 3 years (36 months) when available. Regarding customised time periods, I do not think so."
] |
4699 | Can one use Google Finance to backtest (i.e. simulate trades in the past)? | [
"154559",
"239137",
"239683"
] | [
"I've used yahoo to perform the exercise you're asking about. It allows you to download price data, month end if you wish, and by manipulating via a spreadsheet to add a column for purchases, you can easily see how your £100/mo would end after so long a time period.",
"If you use Google Finance, you will get inco... |
47 | As a small business owner, should I pay my taxes from my personal or business checking account? | [
"133299"
] | [
"Payment of taxes for your personal return filed with the IRS always come from your personal account, regardless of how the money was earned. Sales tax would be paid from your business account, so would corporate taxes, if those apply; but if you're talking about your tax payments to the IRS for your personal incom... |
470 | Is a 10 year old uncashed paycheck still good? | [
"45078"
] | [
"You probably can't deposit the check directly, but there are mechanisms in place to get your money through other means. In the US, all states and territories have an unclaimed property registry. Before you contact the company that wrote the check, you should check that registry in your state. You will have to prov... |
4701 | Why does historical price data not go back all the way on Google Finance? | [
"546379"
] | [
"Google Finance and Yahoo Finance have been transitioning their API (data interface) over the last 3 months. They are currently unreliable. If you're just interested in historical price data, I would recommend either Quandl or Tiingo (I am not affiliated with either, but I use them as data sources). Both have the s... |
4702 | Correct Ways of Importing Personal Finance Transaction Data | [
"490440"
] | [
"You'll need to find out in what format MoneyStrands expects the data. A .qif or an .ofx file may not be the answer."
] |
4703 | Should I finance a used car or pay cash? | [
"585241",
"108924",
"9146",
"27693"
] | [
"There are several factors here. Firstly, there's opportunity cost, i.e. what you would get with the money elsewhere. If you have higher interest opportunities (investing, paying down debt) elsewhere, you could be paying that down instead. There's also domino effects: by reducing your liquid savings to or below the... |
4704 | Finance algebra | [
"35593"
] | [
"With the following variables the periodic (annual) repayment is given by The recurrence equation for the balance b at the end of month x is derived from b[x + 1] = b[x] (1 + r) - d where b[0] = s giving The interest portion of the final payment is b[n - 1] r and the total principal repaid at the end of period n - ... |
4705 | Is it worth it to re-finance my car loan? | [
"458506",
"58432"
] | [
"If you're a bit into the loan, then they're probably hoping that you'll take longer to pay off the loan. Is there a fee for refinancing the loan? If so, be sure to take that into account. A smart way to approach it (assuming that the fees are low or zero) would be to continue making the same payment you had been ... |
4706 | What's a good personal finance management web app that I can use in Canada? | [
"445095",
"312260",
"140657",
"218067",
"83357",
"482518"
] | [
"Now, if you're still intrested, Mint.com works also for Canadian banks. Mint Canada",
"Yodlee will also work. I asked a similar question (and provided answers) here. Thrive, so far, is the best in my opinion. Their tech support is top notch and their UI is far superior to Yodlee's (which provides the backend for... |
4707 | Legal Financing | [
"521967"
] | [
"Find a lawyer or law firm who wants to represent you and talk to them."
] |
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