question_id stringlengths 1 5 | question stringlengths 14 158 | pos_item_ids listlengths 1 23 | pos_item_contents listlengths 1 23 |
|---|---|---|---|
5099 | Calculate APR for under 1 year loan | [
"397081"
] | [
"Is the pay cycle every 2 weeks? So 30% each two week period is 1.3^26 = 917.33 or an APR of 91633%. Loansharks charge less, I believe standard vig was 2%/week for good customers. Only 180% per year."
] |
51 | Full-time work + running small side business: Best business structure for taxes? | [
"107817",
"257168",
"75195"
] | [
"You should look into an LLC. Its a fairly simple process, and the income simply flows through to your individual return. It will allow you to deduct supplies and other expenses from that income. It should also protect you if someone sues you for doing shoddy work (even if the work was fine), although you would ... |
510 | Why are bank transactions not instant? | [
"117145",
"591809"
] | [
"\"If you want your bank to pay $1 to a beneficiary Bob, then the service (no matter how implemented) needs to result in Bob's bank saying to Bob \"\"Hey, I owe you $1\"\". The usual way how this is done consists of two parts - your bank needs to somehow tell Bob's bank \"\"hey guys, do us a favor and please giv... |
5100 | Why is the volume highest at the beginning and end of a trading day? | [
"351011",
"355319"
] | [
"While volume per trade is higher at the open and to a lesser extent at the close, the overall volume is actually lower, on average. Bid ask spreads are widest at the open and to a lesser extent at the close. Generally, bid ask spreads are inversely proportional to overall volumes. Why this is the case hasn't been ... |
5101 | How are shares used, and what are they, physically? | [
"561924",
"258419",
"134270",
"275084"
] | [
"Shares used to be paper documents, but these days they are more commonly held electronically instead, although this partly depends on what country you're in. But it doesn't make any significant practical difference. Regardless of their physical form, a share simply signifies that you own a certain proportion of a ... |
5102 | What is the preferred way to set up personal finances? | [
"380786",
"591704",
"356515",
"105567"
] | [
"\"There's a lot of personal preference and personal circumstance that goes into these decisions. I think that for a person starting out, what's below is a good system. People with greater needs probably aren't reading this question looking for an answer. How many bank accounts should I have and what kinds, and h... |
5103 | Why would parents, of a young adult without dependents, not profit from the young adult's Term Life Insurance? | [
"301604"
] | [
"It is not likely the YA would die in 10 years. Hence the investment the parents make in policy premiums would lose all of its money. Repeat: lose all money. On average, you'll slightly lose with insurance. It's there for peace of mind and to mitigate a catastrophe. It's not an investment. Of course, if the YA is ... |
5104 | Standard Deviation with Asset Prices? | [
"190603",
"410590",
"184208",
"39247"
] | [
"You can use google docs to create a spreadsheet. In field A2, I put Google will load the prices into the sheet. At that point, I add the following into C12, then copy that line all the way down to the botton of column C. You can find my spreadsheet here. It calculates the moving 10 day standard deviation as a perc... |
5105 | Mortgage company withholding insurance proceeds | [
"392503",
"413169",
"208645"
] | [
"Have you found a general contractor to rebuild your home? I would imagine that someone with a bit of expertise in the area is used to dealing with insurance companies, floating the money for a rebuild, and hitting the gates to receive payment for work accomplished. Business are used to not receiving payment when... |
5106 | Can my spouse be the primary signer on my car's loan? | [
"443134",
"444931"
] | [
"Go to your local bank or credit union before talking to a dealership. Ask them if putting both names on the loan makes a difference regarding rates and maximum loan you qualify for. Ask them to run the loan application both ways. Having both names on the loan helps build the credit of the spouse that has a lower s... |
5108 | 2 UAN Numbers allotted to my PAN Number | [
"472014"
] | [
"Option 1: You can write to uanepf@epfindia.gov.in giving the details of both the UAN's. This will be able to merge both these under the current EPF. Option 2: You can request a transfer of EPF from old EPF [under different UAN] to the current EPF. This can be done by submitting the required form. Your company sho... |
5109 | How can I remove the movement of the stock market as a whole from the movement in price of an individual share? | [
"32282",
"287567",
"584801",
"210605"
] | [
"As others have pointed out, the value of Apple's stock and the NASDAQ are most likely highly correlated for a number of reasons, not least among them the fact that Apple is part of the NASDAQ. However, because numerous factors affect the entire market, or at least a significant subset of it, it makes sense to deve... |
511 | What is network marketing? | [
"556661"
] | [
"\"Network Marketing (also called multi-level marketing) isn't necessarily a skill that you learn in a course. It's a type of business model that's used by companies like Avon, Southern Living, Mary Kay, etc. It's also used in many scams (called pyramid schemes, but the aforementioned companies are using the pyrami... |
5110 | Why does shorting a call option have potential for unlimited loss? | [
"281533"
] | [
"\"You are likely making an assumption that the \"\"Short call\"\" part of the article you refer to isn't making: that you own the underlying stock in the first place. Rather, selling short a call has two primary cases with considerably different risk profiles. When you short-sell (or \"\"write\"\") a call option o... |
5111 | Will refinancing my auto loan hurt my mortgage approval or help it? | [
"222476"
] | [
"\"Generally it is not recommended that you do anything potentially short-term deleterious to your credit during the process of seeking a mortgage loan - such as opening a new account, closing old accounts, running up balances, or otherwise applying for any kind of loan (people often get carried away and apply for ... |
5113 | What Happens to Cofounders' Shares when they IPO? | [
"282565"
] | [
"A company typically goes public in order to bring in additional capital. In an IPO, the company (through its officials) will typically do so by issuing additional shares, and offering to sell those to investors. If they did not do that, then there would be no net capital gain for the company; if person A sells sha... |
5115 | Paying off loans early, or is there some way to reduce extortionate interest charges? | [
"82809",
"466161"
] | [
"It really depends on the terms of your loan. For example, some loans have a pre-payment penalty. You will just have to ask your lender to know for sure. That said. In almost all cases, you can save considerable interest by making extra payments towards the principal. Be careful though, some lenders require you to ... |
5116 | Easiest way to diversify savings | [
"504612",
"466950",
"92462"
] | [
"You can apply for Foreign currency accounts. But they aren't saving accounts by any means, but more like current accounts. Taking money out will involve charges. You have to visit the bank website to figure out what all operations can be performed on your account. Barclays and HSBC allow accounts in foreign curren... |
5118 | Is there a significant danger to market orders as opposed to limit orders? | [
"515645",
"172452",
"571116"
] | [
"If you want your order to go through no matter what then you should be using market orders rather than limit orders. With limit orders you may get the price you are after or better but you are not guaranteed to get your order transacted. With a market order you are guaranteed to get you order transacted but may ge... |
5119 | Why is a stock dividend considered a dividend? What makes it different from a stock split? | [
"414505",
"399345",
"124368",
"453521"
] | [
"\"The key difference I've found between a stock split and a stock dividend – of the exact same stock and class, as opposed to a spin-off – seems to be from the company's own accounting perspective. There doesn't appear to be any actual transfer of value to the shareholder with either kind of transaction; i.e. in ... |
512 | Can I claim mileage for traveling to a contract position? | [
"362069"
] | [
"\"The short answer is yes you can, but you have to make sure you do it correctly. If you are employed by a tech company that does contract work at a separate location and you don't get reimbursed by your employer for travel expenses, you can claim the mileage between your home and location B as a business expense... |
5120 | Are the “debt reduction” company useful? | [
"517377",
"547142",
"515083",
"507776",
"222835"
] | [
"\"From what I understand, they basically hold on to your money while you stop paying your debt. They keep it in an account and negotiate on your behalf. The longer you go without paying, the less the debt collector is willing to take and at some point, they will settle. So they take the money you've been putting... |
5121 | I thought student loans didn't have interest, or at least very low interest? [UK] | [
"107727",
"552533",
"438148"
] | [
"From the description, you have a post-1998 income contingent loan. The interest rate on those is currently 1.5% but it has varied quite a bit in the last few years due to the formula used to calculate it, which is either the inflation rate (RPI), or 1% + the highest base rate across a group of banks - whichever is... |
5122 | Annuities question - Equations of value | [
"495383",
"568220"
] | [
"These are the steps I'd follow: $200 today times (1.04)^10 = Cost in year 10. The 6 deposits of $20 will be one time value calculation with a resulting year 7 final value. You then must apply 10% for 3 years (1.1)^3 to get the 10th year result. You now have the shortfall. Divide that by the same (1.1)^3 to shift... |
5124 | Where can you find dividends for Australian Stock Market Shares (ASX) for more than 2 years of data? | [
"413423",
"437465",
"255463"
] | [
"It's difficult to compile free information because the large providers are not yet permitted to provide bulk data downloads by their sources. As better advertising revenue arrangements that mimic youtube become more prevalent, this will assuredly change, based upon the trend. The data is available at money.msn.co... |
5126 | Take car loan out of mortgage to improve equity | [
"264586"
] | [
"\"I guess I don't understand how you figure that taking out a car loan for $20k will result in adding $20k in equity. A car loan is a liability, not an asset like your $100k in cash. Besides, you don't get a dollar-for-dollar consideration when figuring a car's value against the loan it is encumbered by. In oth... |
5127 | Want to buy expensive product online. Credit line on credit cards not big enough. How do “Preferred Account” programs work? | [
"549380",
"490100"
] | [
"\"First and foremost - make sure where you are purchasing the product is a reputable organization. Secondly (coming from a biased computer geek) - be aware that Apple is a content trap. Now on to my answer to your question... How do \"\"Preferred Account\"\" programs work? They're \"\"Preferred\"\" because they ... |
5128 | I'm halfway through a 5-year purchase financing deal on my car. It's expensive. Can I sell it and get a cheaper car? | [
"285029"
] | [
"\"You say \"\"it's expensive\"\". I'm going to interpret this as \"\"the monthly payments are too high\"\". Basically, you need to get your old loan paid off, presumably by selling the car you have now. This is the tough part. If you sold the car now, how much would you get for it? You can use Kelley Blue Book... |
5129 | The penalty on early redemption of a personal loan | [
"66649"
] | [
"In month 9 you still owe $7,954.25. You need to pay that, plus the $250. At that line, you haven't made the payment, the rest of the line with next month's payment due. So you haven't paid the $242.47 in col 4."
] |
513 | When an investor makes money on a short, who loses the money? | [
"591694",
"405206",
"434788"
] | [
"\"The correct answer to this question is: the person who the short sells the stock to. Here's why this is the case. Say we have A, who owns the stock and lends it to B, who then sells it short to C. After this the price drops and B buys the stock back from D and returns it to A. The outcome for A is neutral. Ty... |
5131 | Car dealer saying that they cannot see any credit information for my co-applicant. Could this be a scam? | [
"283917",
"105140",
"122807",
"467195"
] | [
"Its not a scam. The car dealership does not care how you pay for the car, just that you pay. If you come to them for a loan they will try and service you. If you come with cash, they will sell you a car and not try to talk you into financing. If you come with a check from another bank, they will happily accept... |
5132 | How can someone with a new job but no credit history get a loan to settle another debt? | [
"325587",
"579165"
] | [
"\"The more I think about this the more I think you are actually better off letting it go to collections. At least then you would be able to agree an affordable repayment schedule based on your real budget, and having a big dent in your credit score because it's gone to collections doesn't actually put you in any w... |
5135 | Can I add PMI to my principal balance when I take out a mortgage? | [
"210180"
] | [
"There are few different types of MI you can choose from, they are: Borrower-Paid Monthly (this is what most people think of when they think MI) Borrower-Paid Single Premium (you may have QM issues on this) Lender Paid Single Premium Split Up-front and Monthly The only way to determine which option will ultimately ... |
5137 | Can my federal adjusted gross income differ by $1 between my federal and state returns? | [
"257060"
] | [
"No, you don't. Rounding errors happen, and if there's no change in the actual tax there's no reason to amend. If all the income was properly reported and the tax was properly calculated - no-one cares if it was rounded up or down on one of the lines. Note for the next time though: Not sure about New York, but Fede... |
5139 | FICA was not withheld from my paycheck | [
"367026",
"88214"
] | [
"Should I have a W-2 re-issued? A W-2 can be corrected and a new copy will be filed with the IRS if your employer incorrectly reported your income and withholding on a W-2 that they issued. In this case, though the employer didn't withhold those taxes, they should not reissue the W-2 unless they plan to pay your po... |
5141 | Can I get a tax deduction for PMI? | [
"168440"
] | [
"No. And I'll let my good friend and fellow blogger Kay Bell answer in some detail, in her article Deducting private mortgage insurance."
] |
5143 | How do I cash in physical stock certificates? (GM 1989) | [
"114022",
"263321"
] | [
"I'm afraid you're not going to get any good news here. The US government infused billions of dollars in capital as part of the bankruptcy deal. The old shares have all been cancelled and the only value they might have to you are as losses to offset other gains. I would definitely contact a tax professional to look... |
5145 | Do stock prices drop due to dividends? | [
"9286",
"41675",
"176699",
"232932",
"73286",
"247005"
] | [
"Yes, the stock price drops on the ex-dividend date by roughly the amount of the dividend. There is even academic research testing this and confirming that the popular rule of thumb works well.",
"The Paragraph talks about dividends given by Mutual Funds. Say a fund has NAV of $ 10, as the value of the underlying... |
5148 | Priced out of London property market. What are my accommodation investment options? | [
"408865",
"581251",
"473883"
] | [
"Be radical! (I assume you are not working for a city bank getting paid “city wages” – e.g. you are one of the 99% of people in London or more “normal” income.) House prices and rents in London and anywhere within reasonable commuting distances are now so high that couples in reasonable jobs often have to rent room... |
5149 | What is a mutual fund “high water mark” and how does it affect performance fees? | [
"182772"
] | [
"With the caveat that you should always read the fine print... Generally, the high water mark is the absolute highest mark at end of any quarter (sometimes month) over all the quarters (months) in the past. Intra-quarter marks don't matter. So, in your example the mark at the end of the second quarter would only... |
5151 | Calculating savings from mortgage interest deduction vs. standard deduction? | [
"51497",
"527958"
] | [
"Those choices aren't mutually exclusive. Yes, most discussion of the mortgage interest deduction ignores the fact that for a standard itemizer, much, if not all of this deduction can be lost. For 2011, the std deduction for a single is $5,800. It's not just mortgage interest that's deductible, state income tax, ... |
5152 | What drives the value of a stock? [duplicate] | [
"257833"
] | [
"For XOM if you were lucky enough to purchase on 20 Jan 16, at 73.18/share and sold on 15 July at 94.95 you would achieve a 29% return in six months. Awesome. You'd also get a dividend payment or two adding another percentage point per to your returns. The one year chart for FB shows it increasing from ~95/shar... |
5153 | Auto insurance on new car | [
"585332",
"329674"
] | [
"Auto insurance is a highly personalized item, so depending on your driving record and other factors, $600 a month for full coverage may be as good as you can get. Look at the premium for each category, and consider raising the deductible if you have some savings that could be used in the event that you have a clai... |
5156 | Auto Loan and Balance Transfer | [
"343748"
] | [
"This is what your car loan would look like if you paid it off in 14 months at the existing 2.94% rate: You'll pay a total of about $277 in interest. If you do a balance transfer of the $10,000 at 3% it'll cost you $300 up front, and your payment on the remaining $5,000 will be $363.74 to pay it off in the 14 mon... |
5158 | Advice on low-risk long-term strategy for extra cash? | [
"29828",
"4153",
"467830",
"212540",
"222921"
] | [
"I can think of three things you might do: Talk to a fee-only adviser. As the comments suggest, this would only be one or two sessions to lay out what all you have, establish what you want it to do, and write a plan that you are comfortable carrying out yourself. What do your 401k and Roth IRA look like? If you mea... |
5159 | Put a dollar value on pensions? | [
"514793",
"498444"
] | [
"@JoeTaxpayer's answer outlines how to value it. Some other considerations: As I understand it, some public pensions may be tax-free if you still live in the state that is paying the pension. E.g. when a Massachusetts teacher receives pension, it is exempt from state taxes, but if that person moves to Vermont he wi... |
5160 | Should I use a bank or a credit union for my savings account? | [
"5644",
"469515"
] | [
"\"Your instructor's numbers do not seem to have any basis in current reality. At this page you can see a comparison of interest rates offered by banks and credit unions. In the most recent table for June 2014, banks paid an average interest rate of 0.12 percent on savings accounts, while credit unions paid an ave... |
5165 | I have savings and excess income. Is it time for me to find a financial advisor? | [
"368698",
"409537",
"473949",
"103584",
"451501",
"491629",
"76107"
] | [
"\"Whether your financial status is considered \"\"OK\"\" depends on your aspirations. You aren't spending more than you earn and have no debt. That puts you in the category of OK in my book, but the information in your post indicates that you would benefit from some financial advice--100 grand sounds like a lot ... |
5166 | Where can one graph portfolio performance over time? | [
"88417",
"305758"
] | [
"\"I've just started using Personal Capital (www.personalcapital.com) after seeing the recommendation at several places. I believe it gives you what you want to see, but I don't think you can back populate it with old information. So if you log in and link accounts today, you'll have it going forward. I only put... |
5168 | How can we get a hold of our finances again, with much less time to spend on accounting and budgeting, due to the arrival of our child? | [
"477357",
"526159"
] | [
"I have also tried Mvelopes in the past, and my experiences match yours. I currently use the desktop version of YNAB:You Need a Budget (YNAB 4), and I like it much better. Where we failed after a while with Mvelopes, we are succeeding with YNAB, and have been now for the last 3.5 years. I don't want this to sound ... |
5169 | How do I interpret these income tax numbers for Chinese public company Dangdang Inc. (DANG)? | [
"524649"
] | [
"\"It was not taxed in the previous years because it wasn't in profit. The amount for 2010 is more due to accounting treatment, on account of \"\"Deferred Domestic Income Tax\"\". The figures are at http://data.cnbc.com/quotes/DANG/tab/7.2 You can search for a better understanding of Deferred Domestic Income Tax, a... |
517 | Excessive Credit Check from Comcast | [
"587220"
] | [
"\"In general, it is unusual for a credit check to occur when you are terminating a contract, since you are no longer requesting credit. If the credit check was a \"\"hard pull\"\" it will stay on your credit report for 2 years, but will only have an impact on your credit score for up to 12 months. If the check is ... |
5174 | Should I try to negotiate a signing bonus? | [
"260078",
"289526"
] | [
"You asked about a signing bonus and were told the conditions that would be required to get one. It does not appear that you will qualify, but you do have another option. Ask if you can start earlier. Some times they can't change the start date. They might have a contractual issue with the customer and the customer... |
5175 | Home insurance score drastically decreases after car insurance claim? | [
"587267"
] | [
"Credit risk and insurance risk are highly correlated for a single legal party. Trouble with one could indicate trouble with another. Any increase in credit risk such as new borrowing will be perceived to be an increased likelihood of insurance risk, manifested as a fraudulent or subconsciously induced claim. Any... |
5177 | GnuCash register reimbursements | [
"30316"
] | [
"You should be recording the reimbursement as a negative expense on the original account the expense was recorded. Let's assume you have a $100 expense and $100 salary. Total $200 paycheck. You will have something like this In the reports, it will show that the expense account will have $0 ($100 + ($100)), while in... |
518 | Deposit a cheque in an alternative name into a personal bank account (Australia) | [
"48840",
"596549",
"261856",
"86852"
] | [
"You don't have much choice other than to open an account in your business name, then do a money transfer, as @DJClayworth says. You will not without providing your name and street address and possibly other information that you may consider to be of a private nature. This is due to laws about fraud, money launde... |
5180 | Tax advantages of using 529 plans to save for child's education? | [
"428900"
] | [
"There are several variables to consider. Taxes, fees, returns. Taxes come in two stages. While adding money to the account you can save on state taxes, if the account is linked to your state. If you use an out of state 529 plan there is no tax savings. Keep in mind that other people (such as grandparents) can set ... |
5183 | Should I learn to do my own tax? | [
"287398",
"494808",
"244104"
] | [
"\"I would advise against \"\"pencil and paper\"\" approach for the following reasons: You should e-file instead of paper filing. Although the IRS provides an option of \"\"Fillable Forms\"\", there's no additional benefit there. Software ensures correctness of the calculations. It is easy to make math errors, look... |
5184 | How to search efficiently for financial institutions, credit cards, etc (At least in Canada)? | [
"556519"
] | [
"Searching for Banks or Credit Unions based on their high interest accounts is likely to be a giant waste of your time. The highest you might find is 1.5% not clearing inflation. For anything less than 100k youre better off putting it in a money market fund until you know what you want to do with it, which you can ... |
5188 | How to manage paying expenses when moving to a weekly pay schedule and with a pay increase? | [
"278643",
"231412",
"430900"
] | [
"This is really just a matter of planning. It's good that you don't want the train to go off the rails but really you just need to budget your fixed expenses. I do this by having two checking accounts. One account gets a direct deposit to cover all of my fixed expenses, the other is my regular checking account. ... |
5189 | Thorough Description of Yield to Maturity? | [
"446214"
] | [
"\"What is a bond price? A bond is an asset, and like any tradeable asset it has a price. If I hold $10K face value of a certain GM bond, then I would be willing to sell it at some price, which may be more or less than $10K. Whoever is willing to sell it for the lowest amount determines the price. The price is ... |
5191 | Payment default penalties on annuities | [
"366541"
] | [
"\"I don't know how annuities work it's all smoke and mirrors to me. This is a huge red flag to me. I would ask the agent what the penalty is to cancel this contract, and see ho much you can get back. If done right, you should be able to transfer these funds to an IRA or other pretax account. To be clear, I'd make... |
5192 | Investment for young expatriate professionals | [
"307173"
] | [
"That's a broad question, but I can throw some thoughts at you from personal experience. I'm actually an Australian who has worked in a couple of companies but across multiple countries and I've found out first hand that you have a wealth of opportunities that other people don't have, but you also have a lot of pr... |
5193 | Why does 'further borrowing' always mean permanent extra mortgage accounts? | [
"565698"
] | [
"It is possible to consolidate mortgages with Nationwide, in some circumstances. Quote from their website: It is possible to consolidate different mortgages and other debts such as personal loans and credit cards. However it does depend on your individual circumstances, including the exact type of loans you want to... |
5194 | Which Novo Nordisk ticker is most tax efficient in a UK SIPP? | [
"265404"
] | [
"What I ended up doing was finding where each ticker of Novo was registered (what exchange), then individually looking up the foreign taxation rules of the containing country. Luckily, most companies only have a few tickers so this wasn't too hard in the end."
] |
5195 | mortgage vs car loan vs invest extra cash? | [
"525557",
"524018",
"71082",
"472200",
"125195",
"439995"
] | [
"Pay off your car loan. Here is why: As you mentioned, the interest on your home mortgage is tax deductible. This may not completely offset the difference in interest between your two loans, but it makes them much closer. Once your car debt is gone, you have eliminated a payment from your life. Now, here's the tri... |
5197 | Meaning of “credit” | [
"256587"
] | [
"\"You're looking at the \"\"wrong\"\" credit. Here's the Wikipedia article about the bookkeeping (vs the Finance, that you've quoted) term.\""
] |
5198 | What exactly changes following a stock split? Why doesn't “Shares” (on the following SEC balance sheet) change? | [
"80289"
] | [
"In theory*, if a company has 1m shares at $10 and does a 10 for 1 split, then the day after it has 10m shares at $1 (assuming no market move). So both the price and the number of share change, keeping the total value of the company unchanged. Regarding your BIS, I suspect that the new number of shares has not been... |
52 | New vending route business, not sure how to determine taxes | [
"566417",
"125111"
] | [
"You're not paying taxes three times but you are paying three different taxes (or more). Sales tax is a business expense, just like costs of goods sold or interest on a loan. Then, depending on how you structure the business, the net income of the business just hits you personally and you pay income taxes. You ca... |
520 | why if change manufacturing of a product not change the price for the buyer? | [
"322171"
] | [
"In highly developed and competitive industries companies tread a continuous and very fine line between maximising shareholder profits by keeping prices up while making products as cheaply as possible, vs competitors lowering prices when they work out a way to make equivalents cheaper. In the short run you will qui... |
5202 | institutional ownership — why is it so convoluted | [
"433490"
] | [
"The reason for such differences is that there's no source to get this information. The companies do not (and cannot) report who are their shareholders except for large shareholders and stakes of interest. These, in the case of GoPro, were identified during the IPO (you can look the filings up on EDGAR). You can ge... |
5203 | What is the meaning of Equal Housing Lender? Do non-banks need to display it? | [
"444546",
"185217"
] | [
"At the top result of the Google search, on the Google results page it's sumarized as applicable to every lender participating in FDIC: The terms equal housing lender and equal opportunity lender are synonymous and refer to all banks insured by the Federal Deposit Insurance Corporation in the United States. Such ba... |
5204 | Valuation Spreadsheet | [
"364394",
"365476"
] | [
"Yes, all of that is possible with google sheets...",
"In general spreadsheets can do all of what you ask. Have a try of some online training like these to get started."
] |
5205 | How to quickly track daily cash expenses that don't come with a receipt? | [
"176640",
"122525"
] | [
"A pencil and a small notepad really work here, but if you have a smartphone then some way of using it makes sense as well. Try: Transcribe all of these onto a better record at the end of each day. Also record the amount of money in your wallet/purse/pocket every day, and check to see if the amounts you've recorded... |
5207 | Current accounts reward schemes and reciprocal standing orders? | [
"192379"
] | [
"\"I don't think it would be counted as income, and if it's a short-term loan it doesn't really matter as the notional interest on the loan would be negligible. But you can avoid any possible complications by just having two accounts in the name of the person trying to get the account benefits, particularly if you'... |
521 | I'm self-employed with my own LLC. How should I pay myself, given my situation? | [
"129503"
] | [
"\"You're conflating LLC with Corporation. They're different animals. LLC does not have \"\"S\"\" or \"\"C\"\" designations, those are just for corporations. I think what you're thinking about is electing pass through status with the IRS. This is the easiest way to go. The company can pay you at irregular intervals... |
5210 | What actions should I be taking to establish good credit scores for my children? | [
"208860",
"327544",
"72736",
"205196"
] | [
"\"When I was in high school, my mom got me a joint credit account with both of our names on it for exactly this reason. Well, that, and to have in case I found myself in some sort emergency, but it was mostly to build credit history. That account is still on my credit report (it's my oldest by a few years), and lo... |
5211 | Resources to begin trading from home? | [
"6245",
"349545",
"421987",
"527148",
"562045"
] | [
"Your plan won't work. Working 40 hours a week at federal minimum wage (currently $7.25 / hr) for 52 weeks is an annual income of just over $15,000. Even assuming you can reliably get a return of 15% (which you definitely can't), you'd need to start with $100,000 of assets to earn this poverty income. Assuming a mo... |
5212 | Investing Account Options | [
"442906"
] | [
"Immediately move your Roth IRA out of Edward Jones and into a discount broker like Scottrade, Ameritrade, Fidelity, Vanguard, Schwab, or E-Trade. Edward Jones will be charging you a large fraction of your money (probably at least 1% explicitly and maybe another 1% in hidden-ish fees like the 12b-1). Don't give a... |
5215 | How do I apply for a mortgage after a cash closing on a property? | [
"100566"
] | [
"Is she correct in that you generally can't even apply until the cash transaction is complete? Probably. How can you commit to mortgage something you do not own? Makes sense for them to wait not even until the transaction is complete - but until the transaction is recorded. Is 45 days reasonable to complete the f... |
5218 | Stocks: Where can I find a list of bankrupt/diluting stocks in the US? | [
"512895"
] | [
"The only recommendation I have is to try the stock screener from Google Finance : https://www.google.com/finance?ei=oJz9VenXD8OxmAHR263YBg#stockscreener"
] |
5219 | How much of a down payment for a car should I save before purchasing it? | [
"420018",
"396817",
"429153",
"56867",
"306834",
"287857"
] | [
"If and only if by coincidence the car you were already considering from your research includes a 0% finance offer, go ahead a take the financing and save your cash. If however you are being tempted to a different car, or would spend more than you initially thought were wanted to, 0% financing is just another trick... |
522 | Form 1042-S for foreign resident and owner of trade account | [
"237785"
] | [
"As you have indicated, the 1042-S reflects no income or withholding. As such, you are not required to file a US tax return unless you have other income from the US. Gains on stocks are not reported until realized upon sale. FYI, your activity does not fit the requirements of being engaged in a trade or business ... |
5222 | Options for the intelligent but inexperienced | [
"242663",
"351833",
"447562"
] | [
"\"Some thoughts on your questions in order, Duration: You might want to look at the longest-dated option (often a \"\"LEAP\"\"), for a couple reasons. One is that transaction costs (spread plus commission, especially spread) are killer on options, so a longer option means fewer transactions, since you don't have t... |
5223 | W-4 was not updated when moving from part-time to full-time, still showed Tax-Exempt. What happens now? | [
"97852",
"283374"
] | [
"Legally, do I have anything to worry about from having an incorrectly filed W-4? What you did wasn't criminal. When you submitted the form it was correct. Unfortunately as your situation changed you didn't adjust the form, that mistake does have consequences. Is there anything within my rights I can do to get the ... |
5224 | Settling house with husband during divorce. Which of these two options makes the most sense? | [
"335222",
"128772",
"599725"
] | [
"Both are close, but two notes - amiable or not, I'd rather have a deal that ends now, and nothing is hanging over my head to get or pay money on a future sale. 401(k) money is usually pre-tax, so releasing me from $10K of home equity is of more value than the $10K in a 401(k) that would net me $7K or so. As I co... |
5225 | Calculating the value of an investors inventory | [
"591079"
] | [
"Is it just -34*4.58= -$155.72 for CCC and -11*0.41= -$4.51 for DDD? Yes it needs to be recorded as negative because at some point in time, the investor will have to spend money to buy these shares [cover the short sell and return the borrowed shares]. Whether the investor made profit or loss will not be reflected ... |
5227 | Wage earners of age ≥ 60 with dependents: What Life Insurance, if any, should they buy? | [
"447066",
"105596"
] | [
"\"The problem above is actually a pretty good list of the concerns around life insurance. While there is no correct answer to the question as posed, this will vary among different WSCs, there is a simpler way to think about insurance in general that may make finding what is right answer for you easier. Buying lif... |
523 | Under specific conditions can I write off Spotify or other streaming audio services? | [
"338348"
] | [
"Nice try. No. If you were in the music industry, you might have a case. Depending on the exact job, certain things related to music would be a business expense. I don't see how this would pass an audit as it really is unrelated to the work you do."
] |
5232 | What is a straddle? | [
"316866",
"32127"
] | [
"\"A straddle is an options strategy in which one \"\"buys\"\" or \"\"sells\"\" options of the same maturity (expiry date) that allow the \"\"buyer\"\" or \"\"seller\"\" to profit based on how much the price of the underlying security moves, regardless of the direction of price movement. IE: A long straddle would b... |
5233 | What is Systematic about Systematic Investment Plan (SIP) and who invented it? | [
"481859",
"544070"
] | [
"According to https://en.wikipedia.org/wiki/Systematic_Investment_Plan it's nothing but a fancy term for plain old dollar cost averaging.",
"\"Personally, I think you are approaching this from the wrong angle. You're somewhat correct in assuming that what you're reading is usually some kind of marketing material... |
5236 | Should I close unused credit cards before applying for another? | [
"277003",
"12247"
] | [
"If you're looking for cause-effect, applying for another card won't matter at all if you're not paying any interest, or not looking to get another installment loan for which the rate you get depends on your credit rating. If you are looking to get another installment loan, then having more credit at your disposal ... |
5237 | Highstreet bank fund, custom ETF or Nutmeg? | [
"592892",
"516361"
] | [
"It's a good question, I am amazed how few people ask this. To summarise: is it really worth paying substantial fees to arrange a generic investment though your high street bank? Almost certainly not. However, one caveat: You didn't mention what kind of fund(s) you want to invest in, or for how long. You also menti... |
5238 | Unemployment Insurance Through Options | [
"166054",
"84896",
"53669"
] | [
"This is a snapshot of the Jan '17 puts for XBI, the biotech index. The current price is $65.73. You can see that even the puts far out of the money are costly. The $40 put, if you get a fill at $3, means a 10X return if the index drops to $10. A 70X return for a mild, cyclic, drop isn't likely to happen. Sharing... |
5239 | Next steps for (not me): a recently-divorced single mom, in California, with a 2yr-old | [
"154681"
] | [
"She should call 211. This is exactly how they help. The 2-1-1 service is run by the United Way, a nonprofit organization. The 2-1-1 service strives to be a clearinghouse for services within a local area."
] |
524 | File bankruptcy, consolidate, or other options? | [
"279149",
"439003",
"21325",
"395499",
"406340"
] | [
"If your parents' business isn't viable (regardless of what combination of the economy or their management of it caused it not to be viable) it would seem that you'd be throwing good money after bad to save it. If the whole thing gets paid off, then they get rid of the debt, but the economy will still be in the tan... |
5240 | 1099-MISC vs K-1 — duplicated numbers? | [
"435798"
] | [
"Well, you won't be double taxed based on what you described. Partners are taxed on income, typically distributions. Your gain in the partnership is not income. However, you were essentially given some money which you elected to invest in the partnership, so you need to pay tax on that money. The question becomes, ... |
5242 | Construction loan for new house replacing existing mortgaged house? | [
"531408",
"310743"
] | [
"So let's assume some values to better explain this. For simplicity, all of these are in thousands: So in this example, you're going to destroy $250 in value, pay off the existing $150 loan and have to invest $300 in to build the new house and this example doesn't have enough equity to cover it. You typically can... |
5243 | How to interpret stock performance charts “vs S&P 500” | [
"317666"
] | [
"tl;dr: The CNN Money and Yahoo Finance charts are wildly inaccurate. The TD Ameritrade chart appears to be accurate and shows returns with reinvested dividends. Ignoring buggy data, CNN most likely shows reinvested dividends for quoted securities but not for the S&P 500 index. Yahoo most likely shows all returns w... |
5244 | What questions should I ask a mortgage broker when refinancing a condo in Wisconsin? | [
"188756"
] | [
"Its a huuuuuuuuuuuge topic, and to answer your question in full will require a book, with a small booklet of legal advice attached to it. I'm not going to write it here, but I'll give you some very specific points to start your research with: ARM/Baloon - big NO NO. Don't touch that. Get rid of those you have any ... |
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