question_id stringlengths 1 5 | question stringlengths 14 158 | pos_item_ids listlengths 1 23 | pos_item_contents listlengths 1 23 |
|---|---|---|---|
4836 | What's the most correct way to calculate market cap for multi-class companies? | [
"483191",
"138575"
] | [
"From their 10-K pulled directly from Edgar: As of October 22, 2015, there were 291,327,781 shares of Alphabet Inc.’s (the successor issuer pursuant to Rule 12g-3(a) under the Exchange Act as of October 2, 2015) (Alphabet) Class A common stock outstanding, 50,893,362 shares of Alphabet's Class B common stock... |
4838 | Titles, Financing and Insurance. How do they work? | [
"501892"
] | [
"There is nothing illegal about a vehicle being in one person's name and someone else using it. An illegal straw purchase usually applies to something where, for example, the purchaser is trying to avoid a background check (as with firearms) or is trying to hide assets, so they use someone else to make the purcha... |
4840 | Why does Yahoo miss some mutual fund dividends/capital gains? | [
"46774"
] | [
"This looks more like an aggregation problem. The Dividends and Capital Gains are on quite a few occassions not on same day and hence the way Yahoo is aggregating could be an issue. There is a seperate page with Dividends and capital gains are shown seperately, however as these funds have not given payouts every ye... |
4841 | Payroll question | [
"593111",
"531499"
] | [
"Ask the company if they can make an adjustment for the next paycheck. If they can't then do the following: Increase the number of Federal exemptions by 1. In 2014 a personal exemption reduces your apparent income by $3950. If you are in the 10 % tax bracket and you are paid every two weeks you will see the amount... |
4842 | Tracking the Madrid Interbank Offered Rate (MIBOR) and the Euro Interbank Offered Rate (EURIBOR) | [
"5418",
"218362"
] | [
"You can find both here: http://www.bde.es/tipos/tipose.htm",
"For Euribor Nothing seems to exist for MIBOR, except maybe the Spanish stock exchange."
] |
4843 | What is “beta” for an investment or a portfolio, and how do I use it? | [
"471611",
"332937",
"79415"
] | [
"Beta is an indication of a Stock's risk with respect to the market. For instance if a stock had a beta of 1 it means it is in tandem with the S&P 500. If it is more than 1, the stock is volatile. If it is less than 1, it implies market movement doesn't affect this stock much. Tech stocks and small cap stocks hav... |
4847 | What is approximate tax deduction for this scenario? | [
"272513"
] | [
"House rent allowance:7500 House Rent can be tax free to the extent [less of] Medical allowance : 800 Can be tax free, if you provide medical bills. Conveyance Allowance : 1250 Is tax free. Apart from this, if you invest in any of the tax saving instruments, i.e. Specified Fixed Deposits, NSC, PPF, EPF, Tution Fee... |
4848 | How to calculate Price/Earnings - Price/Sales - Price/Free Cash Flow for given stock | [
"215659"
] | [
"To calculate you take the Price and divide it by the Earnings, or by the Sales, or by the Free Cash Flow. Most of these calculations are done for you on a lot of finance sites if the data is available. Such sites as Yahoo Finance and Google Finance as well as my personal favorite: Morningstar"
] |
485 | Paying restaurants in cash instead of credit card - how signficant is this? | [
"584521",
"445731",
"216540"
] | [
"Credit cards charge about 2% fee from merchants. This is already priced into the restaurant menu. Generally, dealing with cash will not cost the merchant significantly less since he needs to make more trips to the bank, pay fees for frequent cash deposits (banks charge per operation), and maintain a safe location ... |
4850 | Fetching technical indicators from yahoo api | [
"501488"
] | [
"Still working on exact answer to question....for now: (BONUS) Here is how to pull a graphical chart with the required data: Therefore: As r14 = the indicator for RSI. The above pull would pull Google, 6months, line chart, linear, large, with a 50 day moving average, a 200 day exponential moving average, volum... |
4852 | How can I find out what factors are making a stock's price rise? | [
"372703",
"462135",
"509745",
"133440"
] | [
"A few days ago they launched Fannie Mae Guaranteed Multifamily Structures (link) but who knows? It's a penny stock now. Google Finance is pretty good at marking news right on the chart for a particular stock. That's how I tracked that piece of news down. Can't say that it precipitated a lot of people buying the... |
4854 | Last trade is bought? or sold? | [
"584350"
] | [
"\"When there is a trade the shares were both bought and sold. In any trade on the secondary market there has to be both a buyer and a seller for the trade to take place. So in \"\"lasttradesize\"\" a buyer has bought the shares from a seller.\""
] |
4855 | Evidence for Technical Analysis [duplicate] | [
"484897"
] | [
"To answer your original question: There is proof out there. Here is a paper from the Federal Reserve Bank of St. Louis that might be worth a read. It has a lot of references to other publications that might help answer your question(s) about TA. You can probably read the whole article then research some of the o... |
4857 | What kinds of information do financial workers typically check on a daily basis? | [
"115087",
"542098",
"360439"
] | [
"I think it depends where you live in the world, but I guess the most common would be: Major Equity Indices I would say major currency exchange rate: And have a look at the Libors for USD and EUR. I guess the intent of the question is more to see how implicated you are in the daily market analysis, not really to se... |
4858 | My Co-Signer is the Primary Account Holder for my Car Loan - Does this affect my credit? | [
"555099"
] | [
"It sounds like your father got a loan and you are making the payments. If your name and SSN are not on the loan then you are not getting credit for making the payments your father is. So it will not affect your credit. If you are on the loan as a secondary borrower it will affect your credit but not substantial... |
4859 | Why does financial investor bother to buy derivatives and then hedge the position? | [
"71543",
"272929",
"206879"
] | [
"Sometimes hedging is used if you have a position and you feel the market is going against your position, so one would hedge that position in order to protect their capital and possible profits instead of closing the position and incurring capital gains tax. Personally if the market was going against a position I h... |
486 | How to acquire assets without buying them? | [
"244641",
"393204",
"286017",
"343196"
] | [
"Assets can be acquired in different ways and for different purposes. I will only address common legal ways of acquiring assets. You can trade one asset for another asset. This usually takes place in the form of trading cash or a cash equivalent for an asset. The asset received should be of equal or greater value t... |
4860 | Which brokerages offer the best streaming quotes (tick level) for the best price? | [
"396768"
] | [
"I have ScottradeElite on my desktop. I have played around with it but no longer use it. The transactions that I make through Scottrade are more dependent on my goals for the securities than what the market is doing at the moment. Keep in mind that there will always be others out there with better access to price ... |
4861 | Finding Debt/Equity Ratio with Market Value of Equity | [
"77963"
] | [
"In order to calculate the ratio you are looking for, just divide total debt by the market capitalization of the stock. Both values can be found on the link you provided. The market capitalization is the market value of equity."
] |
4867 | What's the point of Ford loosening financing requirements? | [
"310790",
"290353",
"463751"
] | [
"The article states their reasons pretty clearly, and indicates that some people won't qualify under the new requirements that would have previously, they're not courting people with bad credit, they're just looking beyond credit score at other factors. They aren't opening floodgates for anyone with a pulse to get ... |
487 | Is it taxable if someone return me money? | [
"399115"
] | [
"The $10,000 is not taxable to either of you, but the $500 is taxable income to you - and a deductible business expense for your friend."
] |
4871 | Do governments support their own bonds when their value goes down? | [
"231268",
"494595",
"439719"
] | [
"Companies do not support their stock. Once the security is out on the wild (market), its price fluctuates according to what investors think they are worth. Support is a whole different concept, financially speaking: Support or support level refers to the price level below which, historically, a stock has had diffi... |
4873 | Bond prices: Why is a high yield sometimes too good to be true? | [
"60379",
"272318"
] | [
"\"Looking at the list of bonds you listed, many of them are long dated. In short, in a rate rising environment (it's not like rates can go much lower in the foreseeable future), these bond prices will drop in general in addition to any company specific events occurred to these names, so be prepared for some paper ... |
4874 | Stock stopped trading, what does this mean? | [
"558240",
"349536"
] | [
"It looks like JP Morgan can convert your holding to unsponsored ADRs until July.. In any event, you should not completely lose the equity. Volvo still exists as a public company, it's just not tradable on US exchanges. Q1: Yes, you'd need a JPM account. Your broker should have offered a similar service. If they d... |
4875 | Why GOOG is “After Hours” while FB is “Pre-market”? | [
"498014",
"57520"
] | [
"It looks like GOOG did not have a pre-market trade until 7:14 am ET, so Google Finance was still reporting the last trade it had, which was in the after-hours session yesterday. FB, on the other hand, was trading like crazy after-hours yesterday and pre-market today as it had an earnings report yesterday.",
"Pre... |
4876 | How to calculate PE ratios for indices such as DJIA? | [
"566579",
"276593",
"457873"
] | [
"The official source for the Dow Jones P/E is Dow Jones. Unfortunately, the P/E is behind a pay-wall and not included in the free registration. The easiest (but only approximate) solution is to track against an equivalent ETF. Here's a list of popular indexes with an equivalent ETF. Source",
"You could look up... |
4877 | Equity market inflow meaning | [
"196173",
"594122",
"52149"
] | [
"Suppose I purchase $10,000 worth of a particular share today. If the person(s) I am purchasing the shares from paid $9,000 for those shares, then I replacing their $9,000 investment with my $10,000 investment. This is a net inflow of $1,000 into the market. Similarly, if the person(s) I am purchasing the shares f... |
4879 | what does “private equity structures” mean? | [
"172694"
] | [
"\"Private equity firms have a unique structure: The general partners (GP's) of the firm create funds and manage the investments of those funds. Limited partners (LP's) contribute the capital to the funds, pay fees to the GP's, and then make money when the funds' assets grow. I believe the article is saying that u... |
488 | Capitalize on a falling INR | [
"56803",
"420672"
] | [
"By no means is this a comprehensive list, but a few items to consider:",
"One simplest way is to to do Forex trading. You can do this by buying Foreign Currency Futures when you feel Rupee is going down or by selling those Futures when you feel Rupee will go up."
] |
4880 | Where to find historical quotes for the Dow Jones Global Total Stock Market Index? | [
"596106"
] | [
"A number of places. First, fast and cheap, you can probably get this from EODData.com, as part of a historical index price download -- they have good customer service in my experience and will likely confirm it for you before you buy. Any number of other providers can get it for you too. Likely Capital IQ, Bloo... |
4881 | Which online services offer logarithmic charts for equities such as index funds and ETFs? | [
"79357"
] | [
"\"The charts on nasdaq.com are log based, if you look closely you can see that the spacing between evenly incremented prices is tighter at the top of the chart and wider at the bottom. It's easiest to see on a stock with a wide price range using candlestick where you can clearly see the grid. I'm also not seein... |
4882 | Is there a law or regulation that governs the maximum allowable interest amount that can be charged on credit cards or in agreements where credit is extended? | [
"444750",
"28473",
"504434",
"88196",
"231306",
"134458"
] | [
"The word you're looking for is usury - the crime of lending money at rates above an amount set by law.",
"In Canada section 347 of the Canadian Criminal Code makes it illegal to charge more than 60% annually. Since most Canadian credit card annual interest fee is below this they are within that legal limit. Ho... |
4883 | Mortgage loan plus home loan | [
"421940"
] | [
"You can be a co-borrower on the property that your father owns. Some Banks require that you also be part owner of the property, some banks do not require this. You can take a home loan for a new property, normally Banks will ask you of all your current loans [auto/other home/personal/ etc] to determine the amount ... |
4885 | Who are the real big share holders of $AMDA? | [
"444752"
] | [
"There are not necessarily large shareholders, maybe every other Joe Schmoe owns 3 or 5 shares; and many shares might be inside investment funds. If you are looking for voting rights, typically, the banks/investment companies that host the accounts of the individual shareholders/fund owners have the collective voti... |
4886 | How can I transfer and consolidate my 401k's and other options? | [
"42537",
"399917",
"367206"
] | [
"The simplest way to consolidate the funds your old 401(k) plans is by doing what's called a Direct Rollover (whereby the funds go directly into the new plan and skips you completely) from each of the old plans into either an IRA that you establish with a provider of your choice or even into your current employer's... |
4887 | total of all dividend payments for a particular company | [
"29306"
] | [
"No - there are additional factors involved. Note that the shares on issue of a company can change for various reasons (such as conversion/redemption of convertible securities, vesting of restricted employee shares, conversion of employee options, employee stock purchase programs, share placements, buybacks, merger... |
4889 | Canada: New mortgage qualification rules, 2010: Why, what, & when in effect? | [
"180461"
] | [
"The new mortgage qualification rules were introduced to cool a hot Canadian housing real estate market. The rules are a pre-emptive measure intended to avoid a bubble (and later crash) in real estate. The government wants to make sure anybody buying a house can handle higher interest rates. Those rates, currently ... |
489 | How to have a small capital investment in US if I am out of the country? | [
"287019"
] | [
"For $100 you better just hold it in Mexico. The cost of opening an account could eat 10% or more of your capital easily, and that won't be able to buy enough shares of an ETF or similar investment to make it worthwhile."
] |
4890 | Am I liable for an auto accident if I'm a cosigner but not on the title, registration, or insurance policy? | [
"11935",
"413324",
"380763"
] | [
"You can be sued if some random stranger that you never had any interaction with gets in an accident. There is really no barrier to people suing you if they get it in their head that they want to. Winning that lawsuit is another matter entirely. Whether you would be held liable and lose the lawsuit depends on whet... |
4893 | Are junk bonds advisable to be inside a bond portfolio that has the objective of generating stable income for a retiree? | [
"570874",
"337142",
"48529"
] | [
"Corporate bonds have gotten very complicated in the last 20 years to the point where individual investors are at significant disadvantages when lending money. Subordinated debentures, covenants, long maturities with short call features, opaque credit analysis, etc. Interest rates are so low now that investors (ind... |
4894 | Is there a free, online stock screener for UK stocks? | [
"105717",
"177114",
"77502",
"517935",
"472062",
"232460",
"319922"
] | [
"Yes, http://shares.telegraph.co.uk/stockscreener/ has what you're looking for.",
"\"Although this is an old question, it's worth pointing out that the Google Stock Screener now supports stocks traded on the London Stock Exchange. From the country dropdown on the left, select \"\"United Kingdom\"\" and use the sc... |
4895 | Which account type to use for claimable expense I pay upfront for my employer? | [
"37306"
] | [
"\"I used Quicken, so this may or may not be helpful. I have a Cash account that I call \"\"Temporary Assets and Liabilities\"\" where I track money that I am owed (or that I owe in some cases). So if I pay for something that is really not my expense, it is transferred to this account (\"\"transferred\"\" in Quick... |
4896 | Can I borrow against my IRA to pay off debt or pay for a car? | [
"205624"
] | [
"No. Borrowing is not allowed, but if you take a withdrawal, you have 60 days to deposit into another IRA account. This effectively creates a 60 day loan. Not what you're really looking for. If you take this withdrawal and re-deposit to new account within 60 days, no problem. If not, you owe tax on the untaxed amo... |
4897 | What does a stock's quoted value represent? | [
"571015",
"497335",
"138830"
] | [
"The quote price is simply the last price at which a trade completed.",
"Price for the latest transaction. If the stock is selling for $898.7 means that the stock is currently trading for $898.7, and it will be your ask price of stock if you purchase currently.",
"\"Stock price is set to the price with the hi... |
4898 | Why are big companies like Apple or Google not included in the Dow Jones Industrial Average (DJIA) index? | [
"290156",
"175682",
"165187",
"313421"
] | [
"That is a pretty exclusive club and for the most part they are not interested in highly volatile companies like Apple and Google. Sure, IBM is part of the DJIA, but that is about as stalwart as you can get these days. The typical profile for a DJIA stock would be one that pays fairly predictable dividends, has bee... |
4899 | How does a TFSA work? Where does the interest come from? | [
"392852",
"172303"
] | [
"\"A TFSA is a tax free savings account. It is a type of account where you can buy various investments like stocks, bonds, or funds (mutual, exchange traded, and money market). There are some other options but it's best to see what your bank or broker will allow. You probably specified the type of investment when... |
49 | Why can't online transactions be completed outside of business hours? | [
"352927"
] | [
"Generally, unless you're doing a wire transfer, bank transactions are processed in batches overnight. So the credit card company won't be able to confirm your transfer until the next business day (it may take even longer for them to actually receive the money)."
] |
490 | Professional tax for employees - startup in India | [
"281500"
] | [
"The tax is depended upon state where you are registered and the salary paid. More here If you employ contract you need not pay tax."
] |
4900 | How to calculate lump sum required to generate desired monthly income? | [
"477062"
] | [
"The product you seek is called a fixed immediate annuity. You also want to be clear it's inflation adjusted. In the US, the standard fixed annuity for a 40year old male (this is the lowest age I find on the site I use) has a 4.6% return. $6000/ yr means one would pay about $130,000 for this. The cost to include t... |
4902 | Why does ExxonMobil's balance sheet show more liabilities than assets? | [
"362225",
"298417",
"41875",
"591247"
] | [
"\"You are reading the balance sheet wrong. Everything Joe says is completely correct, but more fundamentally you have missed out on a huge pile of assets. \"\"Current assets\"\" is only short term assets. You have omitted more than $300B in long-term assets, primarily plant and equipment. The balance sheet explici... |
4903 | Understanding stock market terminology | [
"468025",
"60284"
] | [
"Opening - is the price at which the first trade gets executed at the start of the trading day (or trading period). High - is the highest price the stock is traded at during the day (or trading period). Low - is the lowest price the stock is traded at during the day (or trading period). Closing - is the price at wh... |
4904 | What assets does the term “security” encompass? | [
"324879"
] | [
"\"A good reference to what encompasses \"\"securities\"\" are detailed in the Securities Act of 1933, which was enacted by the United States federal government. One main exception, which I would still consider securities for your purposes, would be \"\"commercial paper\"\". These are exempt from the securities act... |
4906 | Analyze stock value | [
"182747",
"143261"
] | [
"\"A Bloomberg terminal connected to Excel provides the value correcting splits, dividends, etc. Problem is it cost around $25,000. Another one which is free and I think that takes care of corporate action is \"\"quandl.com\"\". See an example here.\"",
"It seems like you want to compare the company's values not ... |
4907 | What could be the cause of a extreme high/low price in after hours market? | [
"378889",
"189915"
] | [
"\"Often these types of trades fall into two different categories. An error by broker or exchange. Exchange clearing out part of their books incorrectly is an example. Most exchanges make firms reopen their positions for after market hours. There may have been an issue doing so or exchange could incorrectly ca... |
4909 | How to calculate the number of months until a loan is paid off (given principal, APR and payment amount)? | [
"16051",
"168238"
] | [
"The formula for determining the number of payments (months) you'll need to make on your loan is: where i=monthly interest rate (annual rate / 12), A=loan amount (principal), and P=monthly payment. To determine the total interest that you will pay, you can use the following formula: where P=monthly payment, N=num... |
491 | Do I owe taxes if my deductions are higher than my income? | [
"459740",
"184445",
"218967",
"152298",
"135219"
] | [
"\"There's one factor the previous posters apparently missed here: You say \"\"self-employment tax\"\"--in other words, at least some of that $16k is from self employment. In a normal employment situation the FICA tax is taken out of your paycheck, it's normally spot on and generally doesn't show up on your tax re... |
4910 | Do options always expire on third Friday of every month | [
"177559",
"116436"
] | [
"Prior to 2005, the only SPY options that existed were the monthly ones that expire on the third Friday of every month. But in 2005, the Chicago Board Options Exchange introduced SPY weekly options that expire every Friday (except that there is no weekly option that expires on the same day as a monthly option). T... |
4912 | How to calculate interest payments without EBIT | [
"11263"
] | [
"The actual financial statements should always be referenced first before opening or closing a position. For US companies, they are freely available on EDGAR. Annual reports are called 10-Ks, and quarterly reports are called 10-Qs. YHOO and GOOG do a great job of posting financials that are quickly available, but ... |
4913 | Financial implications of purchasing a first home? | [
"359969"
] | [
"Congrats! Make sure you nail down NOW what happens to the house should you eventually separate. I know lots of unmarried couples who have stayed together for decades and look likely to do so for life; I've also seen some marriages break up that I wouldn't have expected to. Better to have this discussion NOW. Beyo... |
4914 | Should I use Mint.com? Is it secure / trusted? [duplicate] | [
"40980",
"173649"
] | [
"Yes, there is such possibility. Also, there's a possibility people made your computer, your operation system, your browser, etc. put there some code there that would intercept your communications and steal your money. So could bank clerks (and unlike all other examples, this really happened in real world, numerous... |
4915 | How will Hello Wallet benefit me? Is it worth the cost? | [
"100087"
] | [
"CreditKarma review I don't personally use HelloWallet, but I have also heard very good things about it. Independence from financial products is a HUGE thing in the field because so many investment advisers place the firm before the customer (c.f. Too Big To Fail), so having an independent resource is a huge benefi... |
4916 | What is the correct term to describe (shares owned * share value)? | [
"213535"
] | [
"\"This is typically referred to as the \"\"market value\"\" of your holdings--it is the revenue you would generate if you sold your holdings at that moment (less any transaction costs, of course)\""
] |
4917 | Car financed at 24.90% — what can I do? | [
"564345",
"344812",
"96666"
] | [
"If you are a subprime borrower, that may not be an unreasonable rate given the risk they are accepting. In any case, it's what you agreed to. As others have said, you could/should have shopped elsewhere for the loan. In fact, you can still shop elsewhere for a loan to refinance that vehicle and thus lower the rate... |
4921 | What happens if I get approved for financing, but don't make the purchase? | [
"508070"
] | [
"Nothing will happen. It will not affect your credit score. You are not in trouble. :) Assuming that you didn't already agree to a purchase contract, you are not obligated to purchase simply because you had a pre-approval credit check done. However, even if you did, since they aren't shipping yet, you could probab... |
4922 | Where can I find historical United States treasury note volume? | [
"350680"
] | [
"\"The Securities Industry and Financial Markets Association (SIFMA) publishes these and other relevant data on their Statistics page, in the \"\"Treasury & Agency\"\" section. The volume spreadsheet contains annual and monthly data with bins for varying maturities. These data only go back as far as January 2001 (i... |
4923 | (Arizona) Bought a car with financing, do I take it to DMV/DOT? | [
"351810",
"493952"
] | [
"Based on your description of what you were given, then you should not need to contact DMV/DOT However if you are not comfortable with that answer then contact/visit the dealer, you can ask them how long it normally takes, and do you pick up the real plates at the dealer, DMV, or will they be mailed to you. Also ca... |
4925 | Calculate price to earning and price to sale value for given dataset | [
"82479"
] | [
"Too calculate these values, information contained in the company's financial statements (income, balance, or cashflow) will be needed along with the price. Google finance does not maintain this information for BME. You will need to find another source for this information or analyze another another symbol's fina... |
4926 | NYSE & NASDAQ: Mkt Cap: $1 billion+ | [
"237653"
] | [
"Try Google Finance Screener ; you will be able to filter for NASDAQ and NYSE exchanges."
] |
4927 | Where can one download or subscribe to end of day price data for Tokyo stocks? | [
"52940"
] | [
"\"Google Finance certainly has data for Tokyo Stock Exchange (called TYO on Google) listings. You could create a \"\"portfolio\"\" consisting of the stocks you care about and then visit it once per day (or write a script to do so).\""
] |
4928 | How and Where can I easily pull data for the Dow 30? | [
"150430"
] | [
"The current Dow divisor is in Historical Divisor Changes. The OpenOffice GetQuote function offers fields for current dividend either in dollars or yield."
] |
4929 | Free Historical Commodity Prices in txt? | [
"524123",
"391171",
"67365"
] | [
"At indexmundi, they have some historical data which you can grab from their charts: It only has a price on a monthly basis (at least for the 25 year chart). It has a number of things, like barley, oranges, crude oil, aluminum, beef, etc. I grabbed the data for 25 years of banana prices and here's an excerpt (i... |
493 | Why are U.S. credit unions not open to everyone? | [
"269447",
"155634"
] | [
"Credit unions are mutually-owned (i.e. customer owned) financial institutions that provide banking services. They take deposits from their members (customers) and loan them to other members. Members vote on a board of directors who manage operations. They are considered not-for-profit, but they pay interest on... |
4932 | Who sets the price and provides the quoted price values for stocks? | [
"340607"
] | [
"\"The \"\"price\"\" is the price of the last transaction that actually took place. According to Motley Fool wiki: A stock price is determined by what was last paid for it. During market hours (usually weekdays from 9:30AM-4:00PM eastern), a heavily traded issue will see its price change several times per second. A... |
4933 | Owner-Financed home sale or Land Contract — how to handle the transaction and the ongoing entity? | [
"346449",
"278236",
"86982",
"151746"
] | [
"I've done this, but on the other side. I purchased a commercial property from someone I had a previous relationship with. A traditional bank wouldn't loan me the money, but the owner was willing to finance it. All of the payments went through a professional escrow company. In our case it was a company called W... |
4934 | Why does a real estate seller get to know the financing arrangements of the buyer? | [
"547984"
] | [
"The buyer discloses the financing arrangements to the seller because it makes his offer more attractive. When a seller receives and accepts an offer, the deal does not usually close until 30 to 60 days later. If the buyer cannot come up with the money by closing, the deal falls apart. This is a risk for the sell... |
4935 | Credit card interest calculator with grace period & different interest rate calculation methods? | [
"543345",
"350796"
] | [
"I thought it was such a useful suggestion that I went ahead and created them. I'm sure you're not the only one who could derive some benefit from them, I know I will. http://www.investy.com/tools When I have some additional time, I will add the option for grace-periods, but for now I wanted to get them up so you c... |
4937 | What is a 401(k) Loan Provision? | [
"136627",
"349208",
"590711",
"570805"
] | [
"\"Congratulations on the job offer! That type of matching sounds good if you plan to stay at a company for more than a year. My experience has been that 401k matching can range from 2% up to 8% for your typical starting job, so a total of 6% is good. You would definitely want to contribute at least 5% to take adv... |
4938 | Confused about google portfolio chart | [
"76330"
] | [
"You bought 1 share of Google at $67.05 while it has a current trading price of $1204.11. Now, if you bought a widget for under $70 and it currently sells for over $1200 that is quite the increase, no? Be careful of what prices you enter into a portfolio tool as some people may be able to use options to have a stri... |
4939 | How can I find a list of all North American ETF's including symbols? | [
"103987"
] | [
"You can use www.etfdb.com and search on geography."
] |
494 | Car expense deductions with multiple work locations | [
"324911"
] | [
"\"Suppose that I work from home, but do not qualify for a business use of home deduction. As I understand it, this means I cannot deduct trips from home to another work location (e.g., going to a client's home or office to do work there). I do not think this is true. You cannot deduct trips to your main busi... |
4940 | Will a Barclaycard Visa help me in building up credit score? | [
"589308"
] | [
"Payment history is probably the most significant contributor to your credit score. Having a solid history of making, at least the minimum, payments on time will have a positive impact on your credit score. Whether or not this specific transaction means anything to that equation is up for debate. If you have no... |
4941 | Loan for car buy “cash” (third party) or bank loan | [
"280405"
] | [
"The car dealership doesn't care where you get the cash; they care about it becoming their money immediately and with no risk or complications. Any loan or other arrangements you make to raise the cash is Your Problem, not theirs, unless you arrange the loan through them."
] |
4943 | Negative properties of continuously compounded returns | [
"61109",
"42639",
"114423"
] | [
"What you're missing is the continuous compounding computation doesn't work that way. If you compound over n periods of time and a rate of return of r, the formula is e^(r*n), as you have to multiply the returns together with a mulitplicative base of 1. Otherwise consider what 0 does to your formula. If I get a ... |
4944 | Working abroad in Australia, what is involved financially and administratively? | [
"364594",
"306116"
] | [
"If you think there is no complication in your application and you can easily satisfy all criteria you can do the process yourself without using any agent and save few thousand dollars. I have done myself. Another cost Chris forgot to mention is the medical examination cost which is mandatory. If your certificates ... |
4947 | Get free option quotes | [
"107801",
"25624"
] | [
"\"A number of sites provide delayed option chains online. Yahoo Finance is one example: I linked to Apple's chain, but to get one yourself, put the ticker you want in the search box, then click the \"\"options\"\" link in the sidebar that I called out in the image.\"",
"In addition, since you asked for Montreal... |
4948 | I gave an incorrect account number to pay my income taxes | [
"529455"
] | [
"They will not send a bill, though there's a chance they will eventually send an accusatory letter. You must proactively pay your taxes. The simplest route is to send a check to each taxing authority with the respective full amounts due. I wouldn't bother calling them. You could also file amended returns with ea... |
4949 | Tax brackets in the US | [
"1705",
"424961"
] | [
"\"Yes, your tax bracket is 25%. However, that doesn't mean that your take home pay will be 75% of your salary. There is much more that goes into figuring out what your take home pay will be. First, you have payroll taxes. This is often listed on your pay stub as \"\"FICA.\"\" The Social Security portion of thi... |
4950 | View asset/holdings breakdown within fund | [
"347523",
"155351"
] | [
"according to the SEC: Shareholder Reports A mutual fund and a closed-end fund respectively must provide shareholders with annual and semi-annual reports 60 days after the end of the fund’s fiscal year and 60 days after the fund’s fiscal mid-year. These reports contain updated financial information, a list ... |
4951 | How do I get a list of the top performing funds between two given dates? | [
"369551",
"131044"
] | [
"The closest I can think of from the back of my head is http://finviz.com/map.ashx, which display a nice map and allows for different intervals. It has different scopes (S&P500, ETFs, World), but does not allow for specific date ranges, though.",
"I found one such tool here: Point-to-Point Returns tool"
] |
4952 | Organizing finances and assigning a number to each record type | [
"475058",
"218793"
] | [
"\"What you are describing is a Chart of Accounts. It's a structure used by accountants to categorise accounts into sub-categories below the standard Asset/Liability/Income/Expense structure. The actual categories used will vary widely between different people and different companies. Every person and company is ... |
4954 | Average Price of a Stock | [
"518932",
"180428",
"489933"
] | [
"Edit3: Regarding the usefulness of the bare number itself, it is not useful unless, for example, an employer uses that average in the computation of how many options the employer grants to the employee as part of the compensation paid. One of my employers used just such an average. What is far more common is to us... |
4957 | Selling stocks - capital gains | [
"414636"
] | [
"In the US you specify explicitly what stocks you're selling. Brokers now are required to keep track of cost basis and report it to the IRS on the 1099-B, so you have to tell the broker which position it is that you're closing. Usually, the default is FIFO (i.e.: when you sell, you're assumed to be closing the olde... |
4959 | When a fund drops significantly, how can I research what went wrong? [duplicate] | [
"155254"
] | [
"\"Usually there are annual or semi-annual reports for a mutual fund that may give an idea for when a fund will have \"\"distributions\"\" which can cause the NAV to fall as this is when the fund passes the taxable liabilities to shareholders in the form of a dividend. Alternatively, the prospectus of the fund may ... |
4961 | T-mobile stock: difference between TMUSP vs TMUS | [
"354006"
] | [
"\"The difference between TMUSP and TMUS is that the \"\"with P\"\" ticker is for a TMobile Preferred Stock offering. The \"\"without P\"\" ticker is for TMobile common stock. The difference between the apparent percentage yields is due to Yahoo! Stock misreporting the dividend on the preferred stock for the comm... |
4963 | Some questions about investing [duplicate] | [
"172913"
] | [
"What is the best form of investment? It only depends on your goals... The perfect amount of money depends also on your particular situation. The first thing you should start getting familiar with is the notion of portfolio and diversification. Managing risk is also fundamental especially with the current market fu... |
4964 | Is it possible to buy UK Consols (perpetuities)? | [
"411799"
] | [
"Selftrade does list them. Not sure if you'll be able to sign up from the US though, particularly given the FATCA issues."
] |
4965 | Do budgeting % breakdowns apply globally? | [
"72029"
] | [
"The exact percentages depend on many things, not just location. For example, everyone needs food. If you have a low income, the percentage of your income spent on food would be much higher than for someone that has a high income. Any budgeting guidelines that you find are just a starting point. You need to look ... |
4969 | GnuCash and ledger/hledger | [
"161156"
] | [
"Answering my own question, I figured it out: yes, there is a way, with a tool called gnucash2ledger.py. Versions used: GnuCash 2.6.1, Ledger 2.6.2, hledger 0.22"
] |
497 | Formation of S-Corp for Gambling Trade | [
"66356",
"70452"
] | [
"In a sole proprietorship AND an LLC, the expenses can still be deducted against the profits or losses from the operations. The IRS does not even require that a profit seeking activity be incorporated under its own entity, hence why this is also applicable in a sole proprietorship. From what you've said, there is n... |
4970 | Expecting to move in five years; how to lock mortgage rates? | [
"35388",
"426268",
"513499",
"262546",
"477048"
] | [
"You can't transfer mortgages when you purchase a new property. You can purchase a new property now, or you can refinance your current property now and leverage yourself as far as possible while rates are low. The higher rates you are worried about may not be as bad as you think. With higher interest rates, that ma... |
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