question_id stringlengths 1 5 | question stringlengths 14 158 | pos_item_ids listlengths 1 23 | pos_item_contents listlengths 1 23 |
|---|---|---|---|
4708 | How Should I Start my Finance Life and Invest? | [
"411856",
"290110",
"305894"
] | [
"The best way to start out is to know that even the experts typically under-perform the market, so you have no chance. Your best bet is to invest in diversified funds, either through something like Betterment or something like Vanguard's ETFs that track the markets. Buying individual stocks isn't typically a winn... |
471 | I started some small businesses but need help figuring out taxes. Should I hire a CPA? | [
"158122",
"494625"
] | [
"The only professional designations for people allowed to provide tax advice are Attorney, EA or CPA. Attorney and CPA must be licensed in the State they practice in, EA's are licensed by the Federal government. Tax preparers are not allowed to provide any tax advice, unless they hold any of these designations. The... |
4710 | Yahoo Finance - Data inconsistencies between historic and current data | [
"109796"
] | [
"You might have better luck using Quandl as a source. They have free databases, you just need to register to access them. They also have good api's, easier to use than the yahoo api's Their WIKI database of stock prices is curated and things like this are fixed (www.quandl.com/WIKI ), but I'm not sure that covers... |
4712 | Is the Canadian Securities Course (CSC) enough to get started in the finance industry in Canada? | [
"229225"
] | [
"\"Wikipedia says \"\"The Canadian Securities Course (CSC) offered by the Canadian Securities Institute (CSI) is the initial course required for becoming licensed to work within the Canadian securities industry (outside Quebec) as a securities dealer or securities agent.\"\" Src: Candian Securities Course Efficient... |
4713 | UK: Personal finance book for a twenty-something | [
"586632",
"192665",
"191566",
"429575",
"411084",
"144114"
] | [
"Try this as a starter - my eBook served up as a blog (http://www.sspf.co.uk/blog/001/). Then read as much as possible about investing. Once you have money set aside for emergencies, then make some steps towards investing. I'd guide you towards low-fee 'tracker-style' funds to provide a bedrock to long-term investi... |
4716 | how does one see the CBOE VIX index on Google Finance? | [
"383704",
"438779"
] | [
"For whatever reason, I don't believe they offer it. Yahoo does. A google for google finance VIX turns up people asking the question, but no quote on google.",
"You can pull up the VIX index on Google Finance by entering INDEXCBOE:VIX"
] |
4717 | Calculate Finance Rate, Interest Amount when we have below line Fees | [
"266319"
] | [
"The equation for the payment is This board does not support Latex (the number formatting code) so the above is an image, the code is M is the payment calculated, n is the number of months or periods to pay off, and i is the rate per period. You can see that with i appearing 3 times in this equation, it's not poss... |
4719 | Why is financial data of some public companies not available on Yahoo Finance? | [
"143861",
"564338"
] | [
"In general, the short answer is to use SEDAR, the Canadian database that compiles financial statements for Canadian companies. The financial statements for Pacific Rubiales Energy Corp can be found here. The long answer is that the data might be missing because in Canada, each province has their own agency to reg... |
472 | Is Mint allowed to share user data with other Intuit entities? | [
"337071"
] | [
"I wound up asking Mint over email so I'll share the answer I received: Thank you for contacting Mint.com. From my understand you want to know if Mint can transfer data to other Intuit products and vice versa. Let me address your concern based from what I can see on my tools. Upon confirming, while Mint and ot... |
4720 | Comparing option data between yahoo finance and CBOE for SPY options | [
"560245"
] | [
"The CBOE site, as well as some other sites and trading platforms, will show the bid/ask and statistics for that option at each individual options exchange, in addition to statistics and the best bid/offer across all exchanges. cboe.com: Delayed Quote Help lists what the single-letter codes mean. A is for the AMEX ... |
4721 | Advantage of Financial Times vs. free news sources for improving own knowledge of finance? | [
"212390",
"554891"
] | [
"\"If you are interested in a career in algorithmic trading, I strongly encourage you to formally study math and computer science. Algorithmic trading firms have no need for employees with financial knowledge; if they did, they'd just be called \"\"trading\"\" firms. Rather, they need experts in machine learning,... |
4722 | Is it true that Income Tax was created to finance troops for World War I? | [
"523292",
"77214",
"385514"
] | [
"\"The Income Tax was put into effect during the Civil War, but was later revoked because it was deemed \"\"Unconstitutional\"\". It was re-instated in 1913, just one year before World War 1. This is largely the reason why people think it was created \"\"for the war\"\", when it actually pre-dated World War 1. Edi... |
4723 | Trustable, official sources on holdings, purchases and sales by finance academics/professionals? | [
"38863"
] | [
"You won't be able to know the trading activity in a timely, actionable method in most cases. The exception is if the investor (individual, fund, holding company, non-profit foundation, etc) is a large shareholder of a specific company and therefore required to file their intentions to buy or sell with the SEC. The... |
4724 | Google Finance: Input Parameters For Simple Moving Averages | [
"164987",
"71708"
] | [
"The difference is that for the one year time frame the data is represented based on daily data and the SMA is 20 days, whilst for the 5 year timeframe the data is automatically represented as weekly data with the SMA represented by 20 weeks not 20 days anymore. This happens due to daily data on this chart being to... |
4725 | How does Yahoo finance adjust stock data for splits and dividends? | [
"113150",
"288604",
"482871"
] | [
"For stock splits, let's say stock XYZ closed at 100 on February 5. Then on February 6, it undergoes a 2-for-1 split and closes the day at 51. In Yahoo's historical prices for XYZ, you will see that it closed at 51 on Feb 6, but all of the closing prices for the previous days will be divided by 2. So for Feb 5, ... |
4726 | Any Ubiquitous Finance App That is on Mac, iOS and Windows? | [
"314303",
"214610",
"114599",
"232244"
] | [
"Mint.com is a web app with an iPhone (and Android) app. Also, You Need A Budget appears to support all three.",
"\"As I have said before on this site, I personally use Moneydance. They have Mac, Linux and Windows support, and recently added an iOS mobile version that syncs with the desktop. I have only used the ... |
4728 | How does Google Finance calculate the Institution Owned metric for a stock | [
"479384"
] | [
"\"Institutional ownership has nearly lost all meaning. It used to mean mutual funds, investment banks, etc. Now, it means pension funds, who hold the rest of the equity assets directly, and insiders. Since the vast majority of investors in equity do not hold it directly, \"\"institutions\"\" are approaching 100% o... |
4729 | Why Google Finance puts to two decimal places for the trading volumes? | [
"158947"
] | [
"Many brokerages offer automatic dividend reinvestment. It is very infrequent that these dividends are exactly a whole share. So, if you have signed up for automatic dividend reinvestment, many brokerages will reinvest your dividends and assign to you a fractional share. I can't speak for how these shares work with... |
473 | Financially Shielded Entity Separating Individuals Behind It From Risks | [
"466037"
] | [
"You are describing a corporation. You can set up a corporation to perform business, but if you were using the money for any personal reasons the courts could Pierce the corporate veil and hold you personally liable. Also, setting up a corporation for purely personal reasons is fraud."
] |
4730 | Is there a Yahoo Finance ticker for NYMEX Crude Oil Front Month? | [
"419864",
"393757"
] | [
"Yahoo Finance doesn't offer this functionality; I remember looking for this exact feature a couple of years ago for coffee futures. Your best option is to look at the futures chain. However, Yahoo Finance's future chains aren't always complete, since you'll notice that the futures chain for NYMEX crude oil omit th... |
4731 | What is the best cross-platform GPL personal finance tool available? | [
"480924",
"171409"
] | [
"There isn't one. I haven't been very happy with anything I've tried, commercial or open source. I've used Quicken for a while and been fairly happy with the user experience, but I hate the idea of their sunset policy (forced upgrades) and using proprietary format for the data files. Note that I wouldn't mind using... |
4732 | Personal finance software for Mac that can track stocks and mutual funds? (Even manual updating of share prices will do.) | [
"538787",
"152045",
"277544"
] | [
"I'm using iBank on my Mac here and that definitely supports different currencies and is also supposed to be able to track investments (I haven't used it to track investments yet, hence the 'supposed to' caveat).",
"\"Quicken for Mac will track stocks and mutual funds and allows you to set the \"\"home\"\" curren... |
4733 | Why does Yahoo! Finance report different prices for the same index? | [
"309314"
] | [
"\"Are you sure you're using the same date range? If you're using Max, then you're not, as ^FTMC goes back to 12/1/1985 while ^GDAXI only goes back to 11/1/1990. If I enter a custom date range of 11/1/1990 through 10/24/2015, I get: and: which, other than the dates it chose to use as labels on the x-axes, look id... |
4734 | Money Saved on finance charges | [
"52047"
] | [
"Avoiding a cost (interest) isn't quite the same as income. There is no entry, nothing for you to consider for this avoided interest. What you do have is an expense that's no longer there, and you can decide to use that money elsewhere each month."
] |
4735 | Is there a finance API of some kind to get all holdings for a specific mutual fund? | [
"591558"
] | [
"Generally, the answer to the availability of holdings of a given mutual fund on a daily basis is no. Thus, an API is non-existent. The reasons for the lack of transparency on a daily basis is that it could/would impact the portfolio managers ability to trade. While this information would not necessarily permit ind... |
4736 | Relative Strength Index: Yahoo vs Google Finance | [
"463462",
"282743"
] | [
"\"Google's RSI is using a 10 period on 2 minute bars - i.e. it is based upon the last 20 minutes of data. Yahoo's RSI is using a 14 period lookback on an undetermined timeframe (you could maybe mouse-over and see what incremental part of the chart is giving) and given the \"\"choppier\"\" price chart, probably 30 ... |
4738 | Canadian personal finance software with ability to export historical credit card transactions? | [
"559333",
"85074",
"414260"
] | [
"Yodlee is the back-end which communicates with the banks, and Mint just provide a pretty layer on top. You can sign up for an account with Yodlee directly, which may give you the flexibility you need.",
"\"Yodlee and Mint are good solutions if you don't mind your personal financial information being stored \"\"i... |
4739 | US Dollar Index: a) where are long term charts; also b) is it available on Google Finance by any chance? | [
"339640"
] | [
"a) the quick answer to your correlation is quantitative easing. basically the central bank has been devaluing the US dollar, making the prices of all goods increase (including stocks.) the stock market appear to have recovered from 2009 lows but its mainly an illusion. anyway the QE packages are very known when t... |
474 | Forgot to renew Fictitious Name application within the county. What is the penalty for late filing? | [
"430901"
] | [
"I checked this myself and there is no monetary penalty for late filing. However, since I am late I have to do all publication over again which costs me extra $50."
] |
4741 | What is the value in using the “split transaction” feature present in some personal finance management tools? | [
"249450"
] | [
"\"Split transactions are indispensable to anybody interested in accurately tracking their spending. If I go to the big-box pharmacy down the road to pick up a prescription and then also grab a loaf of bread and a jug of milk while there, then I'd want to enter the transaction into my software as: I desire entering... |
4742 | Why does Yahoo Finance and Google Finance not match historical prices? | [
"405474",
"343042"
] | [
"The difference is that Yahoo is showing the unadjusted price that the security traded for on that date, while google is adjusting for price splits. This means that Google is showing how much you would have had to pay to get what is now one share. Since 1979, JNJ has split 3-for-1 once, and 2-for-1 four times. 3x2x... |
4745 | What are some good, easy to use personal finance software? [UK] | [
"109483",
"131282",
"224154",
"305164",
"259923",
"29812"
] | [
"Update: I am now using another app called toshl and I am very satisfied with it. In fact, I am a paying customer. It is web based, but it has clients for iPhone, Android and Windows Phone as well. Another one, I tried is YNAB. Did you consider trying an online app? I am using Wesabe and I am happy with it. I fo... |
4747 | According to yahoo finance, Vanguard's Dividend Growth Fund does not appear to have dividend growth. Why is that? | [
"565765"
] | [
"I think you are mixing up forward looking statements with the actual results. The funds objective The fund invests primarily in stocks that tend to offer current dividends. It focuses on high-quality companies that have prospects for long-term total returns as a result of their ability to grow earnings and their... |
4748 | For a car, would you pay cash, finance for 0.9% or lease for 0.9%? | [
"408932",
"584106",
"43142",
"426624"
] | [
"Dealer financing should be ignored until AFTER you have agreed on the price of the car, since otherwise they tack the costs of it back onto the car's purchase price. They aren't offering you a $2500 cash incentive, but adding a $2500 surcharge if you take their financing package -- which means you're actually pay... |
4749 | Organizing Expenses/Income/Personal Finance Documents (Paperless Office) | [
"67824",
"569812",
"365771"
] | [
"\"If you're curious, here are my goals behind this silly madness You said it... The last two words, I mean...:-) If you're auditing your statements - why do you need to keep the info after the audit? You got the statement for last month, you verified that the Starbucks charge that appears there is the same as in y... |
4751 | Comprehensive tutorial on double-entry personal finance? | [
"254467",
"459226",
"311465"
] | [
"I had to implement a simplistic double-entry accounting system, and compiled a list of resources. Some of them are more helpful than others, but I'll share them all with you. Hope this helps! Simplifying accounting principles for computer scientists: http://martin.kleppmann.com/2011/03/07/accounting-for-computer-s... |
4752 | New car price was negotiated as a “cash deal”. Will the price change if I finance instead? | [
"126559",
"389102",
"316035",
"23949",
"260095"
] | [
"There is no rule that says the dealer has to honor that deal, nor is there any that says he/she won't. However, if you are thinking of financing through though the dealership they are likely to honor the deal. They PREFER you finance it. If you finance it through the dealer the salesman just got TWO sales (a car ... |
4753 | What does “Company Distribution” mean on Google Finance's stock screener? | [
"574357"
] | [
"\"Company Distribution is attempting to show a histogram of how many companies fall within a given range so you can visualize the number of companies that meet a certain parameter. For example if you move the \"\"Market Cap\"\" sliders so the minimum slider is just before the large rise in the distribution and mo... |
4754 | How do I export or sync data from TD Ameritrade into Google Finance or another online Finance site? | [
"363726"
] | [
"\"Mint is one alternative. If you want the raw data in CSV format, you can use \"\"Export\"\" feature under\""
] |
4755 | Car dealers offering lower prices when financing a used car | [
"167834",
"451092"
] | [
"\"It is a legitimate practice. The dealers do get the loan money \"\"up front\"\" because they're not holding the loan themselves; they promptly sell it to someone else or (more commonly) just act as salesmen for a lending institution and take their profit as commission or origination fees. The combined deal is of... |
4757 | online personal finance software that I can host myself | [
"200683",
"442591"
] | [
"I generally concur with your sentiments. mint.com has 'hack me' written all over it. I know of two major open source tools for accounting: GNUCash and LedgerSMB. I use GNUCash, which comes close to meeting your needs: The 2.4 series introduced SQL DB support; mysql, postgres and sqlite are all supported. I migrat... |
4758 | Best personal finance strategy to control my balance | [
"396222",
"479390",
"526568"
] | [
"The key to understanding where your money is going is to budget. Rather than tracking your spending after the fact, budgeting lets you decide up front what you want to spend your money on. This can be done with cash envelopes, on paper, or on Excel spreadsheets; however, in my opinion, the best, most flexible, a... |
4759 | Ticker symbols differences between Yahoo Finance and BestInvest | [
"437402",
"165973"
] | [
"\"BestInvest is a UK site looking at that URL, base on the \"\"co.uk\"\" ending. Yahoo! Finance that you use is a US-based site unless you add something else to the URL. UK & Ireland Yahoo! Finance is different from where you were as there is something to be said for where are you looking. If I was looking for a q... |
4760 | How to read Google Finance data on dividends | [
"60098",
"276860"
] | [
"The dividend is for a quarter of the year, three months. 80 cents is 3.9% of $20.51. Presumably the Div/yield changes as the stock price changes. On Yahoo, they specify that the yield is based on a particular stated date. So it's only the exact number if the stock trades at the price on that date.",
"However, y... |
4766 | What is the meaning of realization in finance? | [
"66534",
"132825"
] | [
"Realization is, literally, when something is made real. For example, let's say that you own some stock. You bought the stock for $1000, and after many years the stock is worth $10,000. Your investment has gained $9,000. However, you don't actually have this $10,000; you just own stock that is supposedly worth $... |
4768 | Multi-user, non-US personal finance and budget software | [
"101255",
"4611"
] | [
"\"My wife and I have been ridiculously happy with YNAB. It's not \"\"online,\"\" but syncs across our phones & computers using Dropbox. It supposedly supports different locales and currencies, but I have never needed to try that out.\"",
"I know exactly what you are talking about. You may like"
] |
4769 | Free, web-based finance tracking with tag/label support? | [
"188695",
"103125"
] | [
"hledger fits your criteria, have you tried it ? Here's the web interface.",
"Mint.com does all of that (except for the cash at hand)."
] |
4770 | How to finance my trading strategy in foreign exchange trading? | [
"450178"
] | [
"\"how can I get started knowing that my strategy opportunities are limited and that my capital is low, but the success rate is relatively high? A margin account can help you \"\"leverage\"\" a small amount of capital to make decent profits. Beware, it can also wipe out your capital very quickly. Forex trading is a... |
4772 | Financing Education through Credit Card or Student Loans | [
"283862",
"317037"
] | [
"If you are very sure, say 90%, that you'll pay the zero percent card off before paying interest, that would be my choice. Less certainty than that, I think the 6.8% over a longer term is less of a cash flow issue, and you can still pay it in full upon getting the job bonus.",
"I would use student loans and avoid... |
4773 | Can I rely on my home equity to finance large home repairs? | [
"478413",
"466196"
] | [
"Personally, I'd use my emergency fund first. It is unlikely (though possible, of course) that I will entirely lose my income at the same time I need to replace my roof or my furnace. I'd rather pay my emergency fund back with installment payments than pay off a HELOC to my bank. The lost interest on my emergency f... |
4774 | Where to find LEAPS option quotes (full chain)? CBOE & Yahoo! Finance not working | [
"189275"
] | [
"\"I'm familiar with and have traded U.S.-listed LEAPS and I've always used the CBOE quotes page you linked to. So, I too was surprised I couldn't find 3M (MMM) LEAPS quotes at that page, even after checking the \"\"List all options, LEAPS, Credit Options & Weeklys if avail.\"\" radio button. Used to work! Fortun... |
4776 | What happened to Home Depot's Stock in 1988? | [
"584860",
"95490"
] | [
"It's got to be a bad chunk of data on Google. Yahoo finance does not show that anomaly for 1988, nor does the chart from Home Depot's investor relations site:",
"So a major problem with looking at historical stock data on these graphs is that they set the stock price based off of current market volumn. If I was... |
4778 | How do I add my income to my personal finance balance? | [
"52741",
"464269",
"468095"
] | [
"\"Create an account called, say, \"\"Paycheck\"\". When you get paid, create an entry with your gross income as a deposit. For each deduction in your paycheck, create a minus (or expense) entry. After doing that, what will be left in the Paycheck account will be your net income. Simply transfer this amount to ... |
4779 | I have a 2008 HHR under finance it needs a new engine | [
"260159",
"254500"
] | [
"\"I know, this isn't a direct answer to your question about unloading a used car-- I've always donated it to charity and written off the price it got at auction on my taxes -- but I think the following might be useful to anyone facing a big repair bill: You know your car's condition. (If in doubt, pay your mechani... |
478 | Help: Being charged interest on a loan for which I received no statements telling me of this debt for the past 15 years. Surprise! | [
"306280",
"525967",
"574948"
] | [
"\"There is a ten year statue of limitations on debt collection, bankruptcy, etc. The problem is, if you start paying, even say, $1, you \"\"acknowledge\"\" the debt and the clock starts again. Debt claims fall under the \"\"he said, she said,\"\" rubric. In debt restructuring situations, the debtor is taught to wr... |
4782 | Good habits pertaining to personal finance for someone just getting started? | [
"447488",
"338707"
] | [
"",
"If you are not working, I believe you would be getting some money from your family to meet your expenses. In such a case, I would start with maintaining a Cash A/c which would list your monthly expenses and the money you received, which is what I used to do at your age. You can maintain it in a notebook with... |
4783 | How can I raise finance to build a home for my family | [
"590813",
"333343"
] | [
"As I see it, there are 2 potential solutions - Joining with another person or 2, and buying a house with multiple bedrooms. I am in the US, and I've seen immigrants living in tight accommodations that would seem unacceptable to most of us. But, with the combined incomes, they were able to buy the house and quickly... |
4786 | Are there any dangers in publicly sharing my personal finance data? | [
"91909",
"366055"
] | [
"\"Status alone shouldn't be a problem. A fellow blogger publishes a blogger list at Rock Star Finance where he lists nearly 1000 personal finance bloggers web sites. You can see that many of them publicly offer their numbers. What you need to consider is whether you are anonymous, or if friends and family will k... |
4787 | What is the preferred way to finance home improvements when preparing to sell your house? | [
"434266",
"542461",
"422084",
"505580",
"97351"
] | [
"You should look into a home equity line of credit: A home equity line of credit (often called HELOC and pronounced HEE-lock) is a loan in which the lender agrees to lend a maximum amount within an agreed period (called a term), where the collateral is the borrower's equity in his/her house. Because a home often is... |
4788 | How to handle Client Deposits in Xero (or any finance software, really) | [
"123638"
] | [
"I haven't worked with Xero before, but can't you just set it up as accounts payable? Put in an accounts payable for the contract. When the client makes a payment, the accounts payable goes down and the cash goes up."
] |
4789 | Car finance, APR rates and per week in adverts; help understanding them | [
"7540",
"293501"
] | [
"Easier to copy paste than type this out. Credit: www.financeformulas.net Note that the present value would be the initial loan amount, which is likely the sale price you noted minus a down payment. The loan payment formula is used to calculate the payments on a loan. The formula used to calculate loan payments... |
479 | Section 179 vs depreciation of laptop | [
"541705",
"59819"
] | [
"I'm not a tax expert, but I think you mean Form 4562, right? If you acquire the laptop in the year for which you're filing taxes, then it is just that simple. (At least according to my reading of 4562 instructions, and my history of accepted tax returns where I've done this for my own business.) If, however, you ... |
4790 | Why do some services list an IPO date that is well after historical price data you can find elsewhere? | [
"510163"
] | [
"\"The Minnesota Mining and Manufacturing Company was established in 1902 as a private company. It first raised public funds around 1903 but had a limited shareholder base. By around 1929, it was reported as being tradeable as an OTC (over-the-counter) stock but it's likely that shares were traded well before thi... |
4791 | UK university student finance - should I use my sponsorship money to pay the debt? | [
"293897",
"472702"
] | [
"\"Let me run some simplistic numbers, ignoring inflation. You have the opportunity to borrow up to 51K. What matters (and varies) is your postgraduation salary. Case 1 - you make 22K after graduation. You pay back 90 a year for 30 years, paying off at most 2700 of the loan. In this case, whether you borrow 2,800 o... |
4792 | Do retail traders get any advantage from learning methods of mathematical of finance? | [
"135556"
] | [
"\"If it could, it seems yet to be proven. Long Term Capital Management was founded by a bunch of math whizzes and they seem to have missed something. I'd never suggest that something has no value, but similar to the concept that \"\"if time travel were possible, why hasn't anyone come back from the future to tel... |
4793 | Ongoing things to do and read to improve knowledge of finance? | [
"268584",
"175100",
"187107",
"19343",
"417128",
"36088"
] | [
"\"I'm another programmer, I guess we all just like complicated things, or got here via stackoverflow. Obligatory tedious but accurate point: Investing is not personal finance, in fact it's maybe one of the less important parts of it. See this answer: Where to start with personal finance? Obligatory warning for so... |
4795 | Highest market cap for a company from historical data | [
"483368",
"370569",
"322876"
] | [
"In common with many companies, Microsoft has been engaging in share buyback programmes, where it buys its own shares in the market and then cancels them. It's often a more tax-efficient way to distribute profits to the shareholders than paying a dividend. So there were more Microsoft shares in circulation in 1999 ... |
4796 | Clarify Microsoft's explanation of MIRR | [
"45638",
"74266"
] | [
"The MIRR formula uses the finance rate to discount negative cash flows, but since the only negative cash flow in the example in in the current period, there's nothing to discount. It's meant to solve problems with IRR like when there are both positive and negative cash flows, which can result in multiple answers ... |
4798 | Can I evaluate the performance of a company using just OHLC data? | [
"384583"
] | [
"No. The information you are describing is technical data about a stock's market price and trading volume, only. There is nothing implied in that data about a company's financial fundamentals (earnings/profitability, outstanding shares, market capitalization, dividends, balance sheet assets and liabilities, etc.) A... |
4799 | Do money markets fluctuate during market crashes? | [
"538060",
"195967"
] | [
"As the commenters have already indicated, money market mutual funds are not guaranteed to maintain principal during all market conditions, and investments in mutual funds are not insured against loss due to market changes. That said, you can run a price search on Vanguard's website and see these results: So, despi... |
48 | Should my husband's business pay my business? | [
"108062",
"401260",
"329810",
"512151"
] | [
"It depends on the finances involved, but particularly if you're not billing anything right now and may have no revenue this year, it's probably a good idea to bill his company. This is in part because some deductions or other tax treatments are only allowed if you have revenue and/or income. The biggest example I... |
480 | Process for dissolving a recently-opened Colorado LLC? | [
"331248"
] | [
"Forms for the Colorado LLCs are online. You can find the link to the dissolution form here, and instructions here. IRS instructions are here. That's what they want: To close your business account, send us a letter that includes the complete legal name of the entity, the EIN, the business address and the reason... |
4801 | First home buyer, financing questions | [
"22519",
"597376"
] | [
"I think we would be good with paying around $1200 monthly mortgage fees (with all other property fees included like tax etc.) You probably can't get a $250k house for $1,200 a month including taxes and insurance. Even at a 4% rate and 20% down, your mortgage payment alone will be $954, and with taxes and insuranc... |
4802 | How exactly could we rank or value how “rich” a company brand is? | [
"265447",
"227447"
] | [
"\"Matt explains the study numbers in his answer, but those are the valuation of the brand, not the value of the company or how \"\"rich\"\" the company is. Presuming that you're asking the value of the company, the usual way for a publicly traded company to be valued is by the market capitalization (1). Market ... |
4803 | Can I sell my home with owner financing when I still have an FHA loan? (and should I?) | [
"57913"
] | [
"You have to pay off the balance on the loan first. Also, FHA loans are not supposed to be used for rental properties. I don't know how you living there for a number of years changes things or how often is that rule enforced but you might need to refinance even if you rent it out."
] |
4805 | Will ADR owner enjoy same benefit as common shares holders | [
"440370",
"490709",
"144685",
"206313"
] | [
"The essential difference b/n ADR and a common share is that ADR do not have Voting rights. Common share has. There are some ADR that would in certain conditions get converted to common stock, but by and large most ADR's would remain ADR's without any voting rights. If you are an individual investor, this differen... |
4806 | How to do a direct cash flow statement given a stock ticker | [
"161411"
] | [
"\"For US equities, Edgar Online is where companies post their government filings to the SEC. On Google Finance, you would look at the \"\"SEC filings\"\" link on the page, and then find their 10K and 10Q documents, where that information is listed and already calculated. Many companies also have these same documen... |
4807 | How to compute real return including expense ratio | [
"104198"
] | [
"Returns reported by mutual funds to shareholders, google, etc. are computed after all the funds' costs, including Therefore the returns you see on google finance are the returns you would actually have gotten."
] |
4808 | How common are stock/scrip dividends (as opposed to cash dividends) in US equity markets? | [
"448044",
"328479"
] | [
"Check out the NASDAQ and NYSE websites(the exchange in which the stock is listed) for detailed information. Most of the websites which collate dividend payments generally have cash payments history only e.g. Dividata. And because a company has given stock dividends in the past doesn't guarantee such in the future,... |
4809 | Where can I see the detailed historical data for a specified stock? | [
"542721",
"535343"
] | [
"To see a chart with 1-minute data for a stock on a specific date: For example, here is the chart for TWTR on November 7, 2013 - the day of the IPO: Here is the chart for TWTR on November 8, 2013 - its second day of trading: Here is the chart for TWTR on November 11, 2013 - its third day of trading:",
"Yahoo Fi... |
481 | Ethics and investment | [
"229990",
"523415",
"23221",
"219977",
"13013",
"248361",
"305097"
] | [
"\"Are there businesses which professionally invest ethically? Yes. The common term for this is \"\"socially responsible investing\"\". Looking at that page and googling that term should provide you with plenty of pointers to funds to investigate. Of course, the definitions of \"\"ethical\"\" and \"\"socially res... |
4810 | Is it a good idea to teach children that work is linearly related to income? | [
"207354",
"233571",
"68248",
"25014",
"237584",
"524414"
] | [
"I think that is the wrong approach. You certainly need to teach the value of work, but you cannot tie it to income levels as a hard and fast rule. If you do, how do you then explain athletes making millions per year and only 'working' half a year, at most. And, then comparing that person to a person working hard i... |
4811 | How to find historical stock price for a de-listed or defunct company? | [
"577090",
"592484"
] | [
"http://www.euroinvestor.com/exchanges/nasdaq/macromedia-inc/41408/history will work as DumbCoder states, but didn't contain LEHMQ (Lehman Brother's holding company). You can use Yahoo for companies that have declared bankruptcy, such as Lehman Brothers: http://finance.yahoo.com/q/hp?s=LEHMQ&a=08&b=01&c=2008&d=08&e... |
4814 | Can I use balance transfer to buy car? | [
"99727",
"60261"
] | [
"\"It really depends on the exact wording of that zero rate offer. Some specifically state they are to be used for paying other debt. Others will have wording such as \"\"pay other debt or write yourself a check to pay for that next vacation, or new furniture.\"\" Sorry, it's back on you to check this out in adva... |
4815 | German stock exchange, ETR vs FRA | [
"416409",
"485757"
] | [
"I still can't understand why there is a price discrepancancy. There isn't. It's the same stock and price differences between such major exchanges will always be minimal. I think you simply haven't paid attention to the date range. It seems Google finance only has data for FRA:BMW reaching back to 2011, so if you ... |
4816 | Monthly payment on a compounded daily car loan? [duplicate] | [
"349611"
] | [
"I would like to know how they calculated such monthly payment The formula is: Your values would come out to be: r = (1+3.06/(100*365))^31-1=0.002602 (converting your annual percentage to a monthly rate equivalent of daily compounded interest) PV = 12865.57 n = 48 Inserting your values into the formula: P = [r*(PV... |
4817 | What does “/” and “^” mean in ticker symbols? How to translate these symbols into yahoo? | [
"302967",
"332244"
] | [
"On NASDAQ the ^ is used to denote other securities and / to denote warrents for the underlying company. Yahoo maybe using some other designators for same.",
"There isn't a single universal way to reference a stock, there are 4 major identifiers with many different flavours of exchange ticker (see xkcd:Standards)... |
4818 | Considering investing in CHN as a dividend stock | [
"226264",
"374330"
] | [
"CHN is a Closed-End Fund. CHN actually pays out three types of distributions: In the case of CHN, they appear to be paying yearly. The most recent dividend, with exdate of 18 Dec 2014, consisted of $3.4669 of Long-term capital gains and $0.2982 cash dividend. Prior to that, the dividend with exdate of 19 Dec 2013... |
4819 | Can someone explain the Option Chain of AMD for me? | [
"167304",
"493202",
"258531"
] | [
"\"When you buy a put option, you're buying the right to sell stock at the \"\"strike\"\" price. To understand why you have to pay separately for that, consider the other side of the transaction. If I agree to trade stock for money at above market rates, I need to make up the difference somewhere or face bankruptcy... |
482 | What type of insurance would protect you against the Amazon 1p bug? | [
"349502"
] | [
"I believe the appropriate recourse in this scenario is to bring a court case for breach of contract. The 1p repricing issue has been admitted as an error out of scope of the purpose of the software."
] |
4820 | Figuring flood insurance into financing cost | [
"146359",
"230897"
] | [
"We recently had a sump pump fail during a rainy weekend. Never had more than an inch or so of water on the floor. Total cost to remove the water, dry out the basement, and repair the damage to the paneling and wallboard: more than $7,000 plus the new sump pump. We are not in a flood zone. In a flood zone the cos... |
4821 | Financed medical expenses and tax deductions | [
"495344"
] | [
"You deduct expenses when you incur them (when you pay the hospital, for example). Medical expenses are deducted on Schedule A, subject to 7.5% AGI threshold. Financed or not - doesn't matter. The medical expense is deductible (if it is medically necessary), the loan interest is not."
] |
4824 | Financing with two mortgages: a thing of the past? | [
"399857",
"336053",
"178007",
"500355"
] | [
"I doubt it. I researched it a bit when I was shopping for a HELOC, and found no bank giving HELOC for more than 80% LTV. In fact, most required less than 80%. Banks are more cautious now. If the bank is not willing to compromise on the LTV for the first mortgage - either look for another bank, or another place to ... |
4826 | How websites like Google have access to stock market data? | [
"54225",
"260726"
] | [
"\"At the bottom of Yahoo! Finance's S & P 500 quote Quotes are real-time for NASDAQ, NYSE, and NYSE MKT. See also delay times for other exchanges. All information provided \"\"as is\"\" for informational purposes only, not intended for trading purposes or advice. Neither Yahoo! nor any of independent provide... |
4828 | How do I know if refinance is beneficial enough to me? | [
"489479",
"434519",
"573974"
] | [
"When evaluating a refinance, you need to figure out the payback time. Refinancing costs money in closing costs. The payback time is the time it takes to recover the closing costs with the amount of money you are saving in interest. For example, if the closing costs are $2,000, your payback time is 2 years if it t... |
4829 | Received a call to collect on a 17 year old, charged off debt. What do I do? | [
"92390",
"219119"
] | [
"There are statutes of limitations on how long they can wait before coming after you. 14 years certainly exceeds it, which I believe means you are not legally required to pay. statutes of limitations by state The most likely scenario is that this is a scam. Second most likely is that this is a collections agency ... |
4830 | How to accurately calculate Apple's EPS | [
"489220"
] | [
"On closer look, it appears that Google Finance relies on the last released 10-k statement (filing date 10/30/2013), but outstanding shares as of last 10-Q statement. Using these forms, you get ($37,037M / 5.989B ) = $6.18 EPS. I think this is good to note, as you can manually calculate a more up to date EPS value ... |
4832 | Curious about Liverpool FC situation | [
"133536"
] | [
"AFAIK gillet and hicks received massive loans to fund their purchase and they have not been keeping up the repayments so now the creditors own the club. Its like getting a car on the never never, or a mortgage, i fyou don't keep up repayments the credit company take back the car or the bank repossess your house. I... |
4834 | What publicly available software do professional stock traders use for stock analysis? | [
"170379",
"494171",
"471643",
"66774",
"422453"
] | [
"Factset also provides a host of tools for analysis. Not many people know as they aren't as prevalent as Bloomberg. CapitalQ and Thomson Reuters also provide analysis tools. Most of the market data providers also provide analysis tools to analyze the data they and others provide.",
"Bloomberg Professional seems t... |
4835 | What does dividends passed mean in terms of stock? | [
"369675"
] | [
"\"A \"\"covenant\"\" is a solemn promise to engage in or refrain from a specified action. Every company must do a balancing act while declaring the dividends in terms of companies interest (can it use the surplus cash to generate more revenue) to shareholders' interests, giving back to them the profits that due. M... |
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