question_id stringlengths 1 5 | question stringlengths 14 158 | pos_item_ids listlengths 1 23 | pos_item_contents listlengths 1 23 |
|---|---|---|---|
5245 | Is socialtrend.com or/and feelthetrend.com legitimate? | [
"121798"
] | [
"\"It's called a \"\"Pyramid scheme\"\". Its illegal in almost every country of the Western world. You're not going to earn lifetime income, of course, and these things collapse pretty quickly. Most of the \"\"common folks\"\" don't return the investment, its the organizers who take the money. Sometimes they run, m... |
5246 | My university has tranfered me money by mistake, and wants me to transfer it back | [
"189145",
"321786",
"259194",
"168301",
"281727"
] | [
"If you are convinced/sure its legit. Is doing a bank transfer to correct their mistake, actually the right way to do it in the first place? Best is to write to University and ask if this extra can be adjusted towards future payments. Not sure how much that is and would one or two future payments cover it off. Th... |
5247 | Efficient International money transfer | [
"378972",
"490384"
] | [
"Typical wire transfers are not with 4-5%; but it all depends on the bank that does the transfer. You can chose to send ('wire') the money in source currency or in US $; the former, the target bank in the US does the conversion (so pick one that adds no or little spread); the latter, the sending bank does the conve... |
525 | Are companies in California obliged to provide invoices? | [
"399409"
] | [
"We run into this all the time with our EU clients. As far as I can tell, the only requirements when it comes to invoicing have to do with sales tax, which is determined at the state level, and only in the case that items are taxable. It seems that the service provided to you is not taxable and so there is no oblig... |
5251 | How can the Samsung Upgrade Programme offer 0% APR? | [
"91477",
"536059",
"102811"
] | [
"This is more a question about economics than about personal finance. The answer, though, is straight-forward. Samsung makes enough profit on the phones that they are willing to eat the costs of a 0% loan, with the attendant risk of non-payment and the loss due to inflation. By offering financing, they expect to se... |
5252 | What are some sources of information on dividend schedules and amounts? | [
"221477",
"76457",
"561850",
"328182",
"378427"
] | [
"I second the Yahoo! Finance key stats suggestion, but I like Morningstar even better: http://quote.morningstar.com/stock/s.aspx?t=roic They show projected yield, based on the most recent dividend; the declared and ex-dividend dates, and the declared amount; and a table of the last handful of dividend payments. Bac... |
5257 | If I plan to buy a car in cash, should I let the dealer know? | [
"417501",
"514238",
"62222",
"123358",
"355310"
] | [
"Ideally you would negotiate a car price without ever mentioning: And other factors that affect the price. You and the dealer would then negotiate a true price for the car, followed by the application of rebates, followed by negotiating for the loan if there is to be one. In practice this rarely happens. The sales ... |
5258 | Is there a good tool to view a stock portfolio's value as a graph? | [
"404911",
"483564"
] | [
"Google Finance will do all the bullet points in your list and a few more. The only drawback is that you have to enter ALL buy and sell manually. It has an import feature, but it does not work with all trading software. http://www.google.com/finance Let me know if it works. Also, yahoo.com/finance has a good too... |
526 | Obtaining Private Prospectuses | [
"491553"
] | [
"How can I get quarterly information about private companies? Ask the owner(s). Unelss you have a relationship and they're interested in helping you, they will likely tell you no as there's no compelling reason for them to do so. It's a huge benefit of not taking a company public."
] |
5260 | What is the equivalent of the QQQ in the UK for the FTSE 100? | [
"505977",
"571804"
] | [
"I'm not familiar with QQQ, but I'm guessing this is something like IShares Ftse 100 (see description here)",
"I searched for FTSE 100 fund on Yahoo Finance and found POW FTSE RAF UK 100 (PSRU.L), among many others. Google Finance is another possible source that immediately comes to mind."
] |
5266 | How much financial information should a buyer give an estate agent? | [
"161861",
"212265"
] | [
"\"My guess is they are fishing for business for their in-house finance person. In the UK, all the estate agency chains (and many of the smaller outfits) have financial advice firms they are affiliated with, often to the extent that a desk in each branch will be for 'the finance guy' (it's usually a guy). The momen... |
527 | What amount of money can a corporation spend on entertainment | [
"437877"
] | [
"\"There is no simple rule like \"\"you can/can't spend more/less than $X per person.\"\" Instead there is a reasonableness test. There is such a thing as an audit of just your travel and entertainment expenses - I know because I've had one for my Ontario corporation. I've deducted company Christmas parties, and go... |
5270 | Free service for automatic email stock alert when target price is met? | [
"171831",
"3283",
"423177",
"359252",
"164454",
"543227",
"263829"
] | [
"Sure, Yahoo Finance does this for FREE.",
"\"http://finance.yahoo.com/stock-alerts/stock-watch/add/?.done=/stock-alerts/ You will have to have a yahoo account. If you want to provide an alternative delivery email address, visit the URL above. Click \"\"Stocks Watch\"\", enter ticker(s) and price(s) at which you ... |
5272 | Is investing in housing considered an adequate hedge against inflation? | [
"132994",
"67816",
"572061",
"387702"
] | [
"Yes, in 2 ways: As you mention, the price of a home generally grows with inflation - along with other factors (supply and demand in local markets, etc.). Through financing. If you finance 80% of your purchase today, in 2014 dollars, you will pay back in future dollars. Those future dollars are worth less, because ... |
5274 | What is this discrepency between Fidelity's and Google's stock price chart; large price spike? | [
"314235"
] | [
"This is from Google Finance right now."
] |
5275 | Where can I find the dividend history for a stock? | [
"3669",
"450256",
"338909"
] | [
"Google Finance gives you this information.",
"You can go to the required company's website and check out their investor section. Here is an example from GE and Apple.",
"I second @DumbCoder, every company seems to have its own way of displaying the next dividend date and the actual dividend. I keep track of th... |
5278 | Overnight charges for brokers holding stocks? | [
"135022"
] | [
"If you are trading CFDs, which are usually traded on margin, you will usually be charged an overnight financing fee for long positions held overnight and you will receive an overnight financing credit for short positions held overnight. Most CFD brokers will have their overnight financing rates set at + or - 2.5% ... |
528 | Estimated Taxes Fall Short of tax liability — how do I pay extra online (Federal and NYS) | [
"562957"
] | [
"If you qualify for the safe harbor, you are not required to pay additional quarterly taxes. Of course, you're still welcome to do so if you're sure you'll owe them; however, you will not be penalized. If your income is over $150k (joint) or $75k (single), your safe harbor is: Estimated tax safe harbor for higher ... |
5280 | That “write your own mortgage” thing; how to learn about it | [
"109025",
"293464",
"222232",
"487179"
] | [
"\"It sounds like you are describing \"\"seller-financed\"\" mortgages (also sometimes called \"\"self-financed\"\", where \"\"self\"\" is the seller). In essence the buyer and seller enter into a legal contract (a promissory note) that specifies the payment schedule, interest rate, etc. The nature of the agreeme... |
5283 | What resources can I use to try and find out the name of the manager for a given fund? | [
"136283",
"372677"
] | [
"\"Yahoo Finance: http://finance.yahoo.com/q/pr?s=VFINX+Profile Under \"\"Management Information\"\"\"",
"The fund prospectus is a good place to start."
] |
5284 | Is there an online cost-basis calculator that automatically accounts for dividend re-investments and splits? | [
"138790",
"380759",
"132219"
] | [
"Google Finance portfolios take into account splits and cash deposits/withdrawals.",
"Reinvestment creates a nightmare when it comes time to do taxes, sadly. Tons of annoying little transactions that happened automatically... Here's one article trying to answer your question: http://www.smartmoney.com/personal-fi... |
5286 | Can GoogleFinance access total return data? | [
"476260",
"532616"
] | [
"\"This is the same answer as for your other question, but you can easily do this yourself: ( initial adjusted close / final adjusted close ) ^ ( 1 / ( # of years sampled) ) Note: \"\"# of years sampled\"\" can be a fraction, so the one week # of years sampled would be 1/52. Crazy to say, but yahoo finance is bette... |
5288 | Credit card grace period for pay, wait 1 day, charge? | [
"229563",
"106319",
"582829"
] | [
"You shouldn't be charged interest, unless possibly because your purchases involve a currency conversion. I've made normal purchases that happened to involve changes in currency. The prices were quoted in US$ to me. On the tail end, though, the currency change was treated as a cash advance, which accrues interest... |
5289 | Applying student loan proceeds toward tuition? | [
"440073"
] | [
"Your university should have a finance department which can help with payments. Speak with them and tell them you have interest in paying for at least part of your next semester in cash. From here they should be able to tell you the best method for this, though most likely cash/check will suffice. If there is no fi... |
5290 | Is a stock's trade size history publicly available? | [
"211444",
"526377",
"384850"
] | [
"That is called a 'volume chart'. There are many interactive charts available for the purpose. Here is clear example. (just for demonstration but this is for India only) 1) Yahoo Finance 2) Google Finance 3) And many more Usually, the stock volume density is presented together (below it) with normal price vs time ... |
5291 | Non-EU student, living in Germany, working for a Swiss company - taxes? | [
"480400",
"52882"
] | [
"\"I'll assume that you would work as a regular (part-time) employee. In this case, you are technically a Grenzgänger. You will need a specific kind of Swiss permit (\"\"Grenzgängerbewilligung\"\") allowing you to work in Switzerland. Your employer typically takes care of this - they have more experience than you. ... |
5292 | Online tools for monitoring my portfolio gains/losses in real time? | [
"20994",
"232736",
"124298",
"274733"
] | [
"\"This functionality is widely available, not only on brokerage sites, but also financial management and even financial information sites. For instance, two of the latter are Google Finance and Yahoo Finance. If you are logged in, they let you create \"\"portfolios\"\" listing your stocks and, optionally, the si... |
5294 | Walking away from an FHA loan | [
"482755",
"42129",
"472915"
] | [
"According to the Trulia reference on the issue, New York is a recourse state. Recourse means that the lender can go after you for the difference between the foreclosure discharge amount (in New York - the higher of the FMV or the actual sale price) and the debt balance. That includes garnishing your wages, seizing... |
5295 | Will Indian young ones lose 18% of their EPF with new tax as per Budget 2016? | [
"201317"
] | [
"Are these calculations correct? These are approximate calculations and are with the assumption that entire corpus will be taxed. The assumption was valid as the wording in the budget speech was not very clear. Subsequently the finance ministry has clarified that only interest generated will be taxed and not the co... |
5296 | Why doesn't the market capitalization of a company match its acquisition price during a takeover? | [
"404222"
] | [
"\"Short answer: google finance's market cap calculation is nonstandard (a.k.a. wrong). The standard way of computing the market capitalization of a firm is to take the price of its common stock and multiply by the number of outstanding common stock shares. If you do this using the numbers from google's site you g... |
5297 | Why is it in a company’s interest to have high stock prices? [duplicate] | [
"333605"
] | [
"\"After the initial public offering, the company can raise money by selling more stock (equity financing) or selling debt (e.g. borrowing money). If a company's stock price is high, they can raise money with equity financing on more favorable terms. When companies raise money with equity financing, they create n... |
5299 | What impact does trading in a car have on your credit score? | [
"577542"
] | [
"Paying off your loan in full will most likely not help your credit score, and could potentially even hurt it. Because car loans are installment loans (and thus differ from consumer credit), lenders really only like seeing that you responsibly pay off your loans on time. They don't really care if you pay it off ear... |
53 | Finding a good small business CPA? | [
"84077",
"562798",
"102362",
"323269",
"119308",
"184852",
"119210",
"176196"
] | [
"Ask your colleagues! I know that sounds obvious, but just go to where people who do your sort of business hang out (or better, find some venture capital firms and ask their portfolio companies). It's not something people would keep secret from you...",
"Check your local better business bureau. They can tell yo... |
5303 | Transfer car loan for better interest rate | [
"555581",
"578885"
] | [
"\"Yes, it is possible for you to refinance your existing auto loan, and so long as you can get the loan on more favorable terms (e.g.: lower interest rate), it is absolutely a smart thing to do. In fact, you would be well advised to do so as soon as possible if the car was a new car, if you refinance a NEW car soo... |
5306 | What's the best online tool that can track my entire portfolio including gains/losses? | [
"471322",
"314826",
"296401"
] | [
"You can use a tool like WikiInvest the advantage being it can pull data from most brokerages and you don't have to enter them manually. I do not know how well it handles dividends though.",
"\"Mint.com does this quite well. The graph views of your budgets, investments, debts, and other aspects of your financial ... |
531 | Does being involved in the management of a corporation make me ineligible for a workshare program? | [
"460721"
] | [
"\"Assuming you are paying into and eligible to collect regular Employment Insurance benefits for the job in question, I don't see how owning a side business would, by itself, affect your ability to participate in the workshare program. Many people own dormant businesses ($0 revenue / $0 income), or businesses wit... |
5310 | InteractiveBrokers: How to calculate overnight commissions for CFD? | [
"256195",
"75715"
] | [
"IB's overnight financing cost for US CFDs below $100,000 is the Benchmark Rate + 1.5% for long positions and the Benchmark Rate -1.5% for short positions. You can check the IB CFD Contract Interest for their full list of financing costs for share CFDs. IB's commissions for an executed trade (where your monthly vo... |
5313 | Multiple hard inquiry for a single loan from car dealer? | [
"91788",
"242022",
"562282"
] | [
"\"(I'm a bit surprised that nobody talked about the impact of multiple inquiries on a loan, since OP is concerned with credit building. Probably an answer as opposed to a comment is justified.) Yes. In fact when you shop for auto loan you are expected to have your credit score/report be pulled by different banks, ... |
5315 | I can't produce a title for a vehicle I just traded | [
"477316",
"15988"
] | [
"The old truck is collateral for a loan. The place that made the loan expects that if you can't pay they can repossess that old truck. If you sell it they can't repossess it. The dealer needs clean title to be able to buy the truck from you, so they can fix up the truck and sell it to somebody else. I am assuming ... |
5317 | Evaluating an endowment policy for its fairness against other tax saving options in India such as PPF, EPF and even FDs | [
"360089"
] | [
"Or am missing something? Yes. The rate of 8.53 is illustration. There is no guarantee that the rate will be applicable. My yearly premium is Rs. 26289. On this amount I will save tax of Rs. 7887. So net premium is Rs. 18402. The other way to look at this is invest Rs 26289 [or actually less of Eq Term Deposit pre... |
5318 | Do I have to explicitly apply for claim of tax rebate u/s 87A in India | [
"199397"
] | [
"If my salary slip says that I will be paying x INR tax this financial year. Then how much minimum investment I need to do to avoid any tax? This rebate is not directly linked to investments. If your total Gross is less than Rs 5 lacs, from the total tax computed, you can claim a rebate of upto Rs 5000. Does salary... |
532 | Do I only have to pay income tax on capital gains? | [
"409230"
] | [
"On the revenue only. This amount of 10$ will be considered as interest and fully taxable. It will not be a capital gain. But why would you decide to declare it as an income? 100$ is insignificant. If you lend small amount to friends it cannot be considered a lending business."
] |
5320 | Could ignoring sunk costs be used to make an investment look more attractive when it's really not? | [
"94858"
] | [
"I'm not sure that you're considering all the options. So you may not subtract $X from B, but you do compare NPV(B) to $Y. Also, remember that we're not trying to figure out the return on B. We're trying to figure out what to do next. In terms of planning, the sunk cost is irrelevant. But in terms of calcula... |
5321 | I would like to publicly share the details of my investment portfolio. What websites add value in this regard? | [
"81865"
] | [
"This is going to be a bit of a shameless plug, but I've build a portfolio tracking website to track your portfolio and be able to share it (in read-only mode) as well. It is at http://frano.carelessmusings.com and currently in beta. Most portfolio trackers are behind a login wall and thus will lack the sharing fu... |
5323 | At what damage amount should I pursue a homeowner's insurance claim? | [
"323469"
] | [
"Some builders -- if given the first chance to deal with the problem, instead of being presented with a bill after the fact -- will fix the problem at no charge to the homeowner. Good faith matters. My house was built by such a builder. If I have a problem that I am competent enough to diagnose and fix, I fix it ... |
5324 | Good way to record currency conversion transactions in personal accounting software? | [
"20810",
"185983"
] | [
"\"I found an answer by Peter Selinger, in two articles, Tutorial on multiple currency accounting (June 2005, Jan 2011) and the accompanying Multiple currency accounting in GnuCash (June 2005, Feb 2007). Selinger embraces the currency neutrality I'm after. His method uses \"\"[a]n account that is denominated as a d... |
5325 | 3-year horizon before trading up to next home: put windfall in savings, or pay off mortgage? | [
"366841",
"583912",
"281707"
] | [
"First, I would want cash around the time I made the move. I would like enough for a 20% down payment, moving expenses, and enough for 6 months of mortgage payments on the existing house. This way if the house does not sell quickly, you are safe. As you approach the time it comes to move, you can work backwards ... |
5326 | Should I use a TSP loan? | [
"341712",
"185612"
] | [
"\"I don't have experience with TSP in particular, but they look to be roughly the same as 401(k) loans. If the \"\"G Fund rate\"\" is equal to the yield of government bonds, then your main risk is the risk that yields increase, which means the interest you're paying is less than what you would have earned on the i... |
5327 | How to start investing/thinking about money as a young person? | [
"3566",
"153104",
"590874"
] | [
"\"There are books like, \"\"The Millionaire Mind\"\" that could be of interest when it comes to basics like living below your means, investing what you save, etc. that while it is common sense, it is uncommonly done in the world. Something to consider is how actively do you want your money management to be? Is i... |
5328 | Any other options for cash-out/construction loans? | [
"482638"
] | [
"For alternative financing, pursue a line of credit or a Home Equity Line of Credit. (From the comments of @ChrisInEdmonton and @littleadv on the original question)"
] |
5329 | Should I take a personal loan for my postgraduate studies? | [
"180899",
"219934",
"185118",
"391965"
] | [
"If you are eligible for FEE-HELP then this is by far the cheapest way of financing higher education in Australia.",
"I would not take this personal loan. Let's look closer at your options. Currently, you are paying $1100 a month in rent, and you have all the money saved up that you need to be able to pay cash fo... |
533 | how to show income from paypal as export income | [
"123756"
] | [
"PayPal pays with service tax, where ever you have exported you would have given the invoice, and the statement should be shown. I am also an exporter, I know the rules some times a CA might not be aware of PayPal. Just show your statement from PayPal and the deduction."
] |
5330 | In Canada, are options available to subsidize conversion of a house into an energy efficient house? | [
"58553"
] | [
"There may be more, but a good starting point would be the ecoENERGY Retrofit Grants and Incentives. Natural Resources Canada's ecoENERGY Retrofit program provides financial support to implement energy-saving projects. There are different application processes for homes, commercial and institutional buildings and ... |
5333 | Term loan overpayment options: applied to principal, or…? | [
"490991"
] | [
"It may have been the standard practice for a long time, and indeed it still is the common practice for my credit union to apply all excess payment directly to the principal. At the risk of sounding a little cynical, I will suggest that there is a profit motive in the move to not applying excess payments to princip... |
5334 | Should I carry less renter's insurance if I can self-insure? | [
"317160"
] | [
"I believe your statement is mostly correct: ...all the expert recommendations are based on an inflexible conventional wisdom that presumes that all renters are relatively resource-poor. When you purchase a $50 electronic item at the store and are offered an extended warranty for $3, most people turn it down, not ... |
5335 | Using credit cards online: is it safe? | [
"229803",
"492578",
"428973",
"234148"
] | [
"You're right that someone who, say, photographed the front of your card at the store could use it to make some online purchases. Schemes like Visa's 3-D Secure provide additional online security by having you enter your password on the issuer's website, but they aren't common yet in the US. But as littleadv says, ... |
5341 | Is it beneficial to my credit score if I close my youngest credit lines while preserving my current credit utilization rate? | [
"328821",
"464296"
] | [
"\"I wrote How Old is Your Credit Card? some time ago. The answer is yes, this helps the credit score, but this factor, age of accounts, is pretty minimal. Grabbing deals, as you did, I'm actually down to a \"\"C\"\" for this part of my score, but still maintain a 770 score.\"",
"Credit Score is rather misleading... |
5346 | Rent home temporarily with new owner occupied loan | [
"129862"
] | [
"I'm assuming this is the US. Is this illegal? Are we likely to be caught? What could happen if caught? If you sign an occupancy affidavit at closing that says you intend to move in within 60-days, with no intention of doing so, then you'll be committing fraud, specifically mortgage/occupancy fraud, a federal cri... |
5348 | Calculate a weekly payment on a loan when payment is a month away | [
"472646",
"76053",
"321647"
] | [
"Using the standard loan formula with 21% APR nominal, compounded weekly. Calculate an adjusted loan start value by adding 31 - 7 = 24 extra days of daily interest (by converting the nominal compounded weekly rate to a daily rate). For details see Converting between compounding frequencies Applying the standard for... |
5349 | Do I have to repay the First-Time Homebuyers tax credit if I refinance? | [
"430441",
"180003"
] | [
"The Homebuyers Tax Credit was unrelated to whether or not a mortgage was part of the purchase. You will have no issue with this credit if you refinance.",
"No. As long as you live in the house for 3 years, it's yours to keep. Financing has nothing to do with that."
] |
535 | Renting out rooms in my home, what's the proper way to deal with utilities for tax purposes? | [
"87113"
] | [
"It's the same result either way. Say the bills are $600, and you are reimbursed $400. You'd be able to write off $400 as part of the utilities that are common expenses, but then claim the $400 as income. I'd stick with that, and have contemporaneous records supporting all cash flow. You also can take 2/3 of any ... |
5350 | How can I get a mortgage I can't afford? | [
"489045",
"352908",
"489724",
"332674",
"487726"
] | [
"Honestly I would look for a house you can afford and one that is below the maximum amount of what they are willing to lend you. The reason is owning a house is not a quick loan that you can pay off in a year or two (unless you're rich then I would question why are you even bothering with a loan). This is a long t... |
5351 | I co-signed a car but i am listed as the primary account holder for the loan | [
"6068",
"325296"
] | [
"The buyer can get another cosigner or you can sell the car to pay off the loan. These are your only options if financing cannot be obtained independently.",
"\"First of all you do not \"\"co-sign a car\"\". I assume what you mean by this is that you co-signed a loan, and the money was used to buy a car. Once you... |
5352 | Where to find site with earnings calendar? | [
"297215"
] | [
"Google finance will allow you to import earnings report dates directly to your Google calendar. See screenshot with calendar import button circled in red below."
] |
5355 | best free web app or tools to track one's cash flow | [
"374224"
] | [
"The answer to this question can be found in the related question Is there any online personal finance software without online banking?"
] |
5357 | Book or web site resources for an absolute beginner to learn about stocks and investing? | [
"526015",
"78249",
"229271",
"423034",
"255739"
] | [
"The Motley Fool's How to Invest How To Invest Benjamin Graham's The Intelligent Investor The Intelligent Investor If you like The Intelligent Investor then try Benjamin's Security Analysis. But that one is not a beginner book.",
"If you just want to save for retirement, start with a financial planning book, lik... |
5359 | Where can I find the nominal price of a stock prior a split into multiple companies? | [
"492965",
"18689"
] | [
"When Hewlett Packard split they changed their name to HP Inc. and spun off Hewlett Packard Enterprise as a new corporation. This means HP Inc. has the same stock history and ticker (HPQ) as Hewlett Packard did so that's the one you want to search for. As you noticed this also means it's impossible to search for ol... |
536 | How do I treat the income from an ESPP I sold now that I am a non-resident alien? | [
"493160"
] | [
"\"That's a tricky question and you should consult a tax professional that specializes on taxation of non-resident aliens and foreign expats. You should also consider the provisions of the tax treaty, if your country has one with the US. I would suggest you not to seek a \"\"free advice\"\" on internet forums, as t... |
5360 | How to buy out one person's share of a jointly owned vehicle with the lowest taxes and fees | [
"562166"
] | [
"You should be able to refinance the vehicle and have the financing in just your name (assuming you can secure the financing). Since you are already on the vehicle registration, this would not constitute a sale, and thus would not incur additional sales tax. To remove the other person from the vehicle registration... |
5364 | What is the best use of “spare” money? | [
"207473",
"571218",
"353081",
"191741",
"428236",
"451782"
] | [
"",
"Congratulations! You're making enough money to invest. There are two easy places to start: I recommend against savings accounts because they will quite safely lose your money: the inflation rate is usually higher than the interest rate on a savings account. You may have twice as much money after 50 years, bu... |
5367 | Buying a house for a shorter term | [
"410327",
"487354",
"590614",
"285780"
] | [
"To answer your question, you need to ask yourself Common transaction costs can be really hard to compensate in a single year. It can include house inspections, closing costs, agents commissions, etc---all together, it can be up to 6-10% of the value of your house. This is a difficult goal to beat in a year, and y... |
5368 | Why not pay in full upfront for a car? | [
"453301",
"116617",
"214749",
"77939",
"147437"
] | [
"In general I'd say, yeah, if you can pay cash, pay cash. If you pay cash, then by definition you pay zero interest. If you get a loan, you'll pay interest. Most people get a loan to buy a car because they don't have the cash. Possible reasons not to pay cash when you could: One: Technically you can pay cash, but i... |
537 | Should I keep copies of my business's invoices for tax records? | [
"304034"
] | [
"It's always beneficial to have detailed business records. There are any number of reasons where you'd need to prove both the types of services you've rendered and the payment history - you've already noted audits (for IRS taxes). Other possibilities: Whether these records need to be original or electronic might ... |
5371 | Buying a car - advice needed | [
"131906",
"278671"
] | [
"\"I would actually disagree with MrChrister on this. You can afford yourself the car in this price range paid cash. I don't know how exactly you spend your income, but from my experience, in expensive California, saving $20K a year from $70K income with $800/mo rent is feasible. Having a loan on your credit report... |
5373 | How much does a landlord pay in taxes? | [
"291614",
"260043",
"33304"
] | [
"how much taxes would I pay on my income from the rent they would pay me? The same as on any other income. California doesn't have any special taxes for rental/passive income. Bothe CA and the Federal tax laws do have special treatment, but it is for losses from rental. Income is considered unearned regular income ... |
5376 | Can a bank statement be submitted as a proof of investment? | [
"294297"
] | [
"Probably not. A debit of 50K in your Bank statement does not mean that its invested into tax saving instrument. This question is best answered by the finance department of your company. Practise vary from organization to organization."
] |
5377 | Google free real-time stock quotes | [
"270027"
] | [
"Previously, Google had a delayed update for their stock prices (15 minutes I believe). That change enabled users of Google Finance to see updates to stock prices in real-time."
] |
5379 | Interest on Amount Exceeding CC Balance? | [
"213242",
"429012"
] | [
"\"In the US, if your monthly statement was issued by the credit card company on January 1 and it showed a balance of $1000, then a payment must be made towards that balance by January 25 or so, not February 1 as you say, to keep the card in good standing. The minimum payment required to keep the card in good stand... |
538 | Ways to invest my saved money in Germany in a halal way? | [
"503362",
"556233",
"371304",
"20943"
] | [
"\"The UK has Islamic banks. I don't know whether Germany has the same or not (with a quick search I can find articles stating intentions to establish one, but not the results). Even if there's none in Germany, I assume that with some difficulty you could use banks elsewhere in the EU and even non-Euro-denominated.... |
5382 | What is the 'real' monthly cost of a car? | [
"86383"
] | [
"How can I find out what these 'additional' costs will be when looking to buy a car? If you know what model you're interested in buying you can try out Edmund's True Cost To Own calculator. This will estimate the depreciation, taxes and fees, financing costs, fuel costs, insurance premiums, maintenance, repairs, an... |
5383 | How to plan in a budget for those less frequent but mid-range expensive buys? | [
"369463",
"503079",
"287630",
"481176"
] | [
"You would simply plan for misc. expenses in your budget, and allocate a small amount to this every time you do your budget, eventually building up a pool of money that you can then use whenever you have to make a purchase such as that.",
"\"I use a \"\"sinking\"\" fund. If you want to buy a $1000 bicycle, you p... |
5384 | Do individual stocks have futures trading | [
"44059",
"497928",
"380056",
"120447"
] | [
"\"There's a market for single stock futures. The market (however small) is OneChicago, \"\"an Equity Finance Exchange offering security futures products.\"\" I don't know how easy access is for retail investors.\"",
"As others have pointed out, they do in fact exist. But it may be worth pointing out a possibl... |
5385 | What percent of a company are you buying when you purchase stock? | [
"50081",
"152003",
"445353"
] | [
"What percent of a company are you buying when you purchase stock? The percent of a company represented by a single share can be calculated by percent = 1/number_of_shares*100% Apple comprises 5,250,000,000 shares, so one share makes up about 1.9e-8% of a company, or 0.000000019% of Apple.",
"As you can see at ht... |
5387 | United Kingdom: Where to save money for a property deposit | [
"456588",
"583918",
"595317",
"144111"
] | [
"The chancellor announced an ISA in this week's budget intended for people saving to buy their first home. For every £200 put in the government will add £50 to the account so I would strongly encourage you to put the money into that as it is also tax free.",
"\"Ultimately you are as stuck as all other investors w... |
5389 | What is the Average Yield on High-Grade Corporate Bonds as of Now? | [
"522839"
] | [
"Yahoo! Finance would list it as 3.30 for the 20 year corporate AAA bonds. This is using the criteria from the Wikipedia link you stated in the initial question."
] |
539 | My company owed taxes for many years, An accountant asked me to ignore it and register a new one. Is it a right thing to do? | [
"25019"
] | [
"I think the first step is to get an accountant whose advice you believe. Your accountant is far better placed to advise you on what sounds like a fairly complicated, fairly high stakes corporate arrangement than the internet. I would go back to the accountant and get him to explain in writing what his specific ad... |
5390 | Definition of “secular” in the context of markets? | [
"580331",
"77149"
] | [
"\"According to Wikipedia: In the finance industry, something done on a secular basis is done on a long-term basis, not a temporary or cyclical one, with a time frame of \"\"10–50 years or more\"\" Source\"",
"Secular means a long term. A secular basis is something done on a long term basis while a secul... |
5391 | effect of bond issue on income statement | [
"107934"
] | [
"No, it would not show up on the income statement as it isn't income. It would show up in the cash flow statement as a result of financing activities."
] |
5395 | In NYC is there sales tax on services like computer / cell phone repair? | [
"289402"
] | [
"According to the New York State Department of Taxation and Finance, your service would appear to be exempt from taxes. However, if you are charging for tangible items, those would incur a sales tax."
] |
5397 | What is the correct pronunciation of CAGR? | [
"231081",
"21111"
] | [
"\"I always hear people pronounce it to rhyme with \"\"bagger\"\".\"",
"Most readers probably know that an acronym is an invented word made up of the initial letters or syllables of other words, like NASA or NATO. Fewer probably know that an initialism is a type of acronym that cannot be pronounced as a wor... |
54 | Taxable income on full-time job + business earnings | [
"590775",
"109546",
"511651"
] | [
"In Australia, any income you earn is taxable despite where it came from. Using your example your taxable income is $70,000. Keep in mind that with a business even as a sole trader any business expenses that contribute to the earning of your business income is deductible, reducing the final amount of tax you'll hav... |
540 | Tax planning for Indian TDS on international payments | [
"324921",
"274188"
] | [
"Tax Deducted at source is applicable to Employee / Employer [contract employee] relations ... it was also made applicable for cases where an Indian company pays for software products [like MS Word etc] as the product is not sold, but is licensed and is treated as Royalty [unlike sale of a consumer product, that yo... |
5401 | Trading an FHA loan to bank for an REO | [
"473692"
] | [
"What you are suggesting will not work. Banks have strict guidelines about what they can and cannot do with an FHA loan property. Remember the FHA is only an insurance policy to the bank saying that if you default they will cover a high percentage of the loan. The bank won't take the risk of violating their insura... |
5405 | Pay off car or use money for down payment | [
"239167",
"337823",
"66122",
"527581",
"460530"
] | [
"Break the transactions into parts. Go to your bank or credit union and get a loan commitment. When applying for loan get the maximum amount they will let you borrow assuming that you will no longer own the first car. Take the car to a dealer and get a written estimate for selling the car. Pick one that gives you a... |
5407 | Company revenue increased however stock price did not | [
"64961",
"596821",
"218326",
"118232",
"214935",
"111076"
] | [
"It's great that you have gotten the itch to learn about the stock market. There are a couple of fundamentals to understand first though. Company A has strong, growing, net earnings and minimal debt, it's trading for $100 per share. Company B has good revenue but high costs of goods and total liabilities well in ... |
5408 | What college degree should I pursue to learn about stock and forex markets? | [
"50742",
"49510"
] | [
"There are several paths of study you could undertake. If you want to learn the fundamentals of the stock market and become a financial analyst, then finance, economics, and accounting (yes, accounting) are all good to study either on your own or in an institution. Furthermore, if you want to study a specific indus... |
541 | Can I deduct my individual Health Insurance Premium in Tax | [
"533825"
] | [
"\"Yes, you can. See the instructions for line 29 of form 1040. Self employed health insurance premiums are an \"\"above the line\"\" deduction.\""
] |
5412 | Why is it good to borrow money to buy a house? | [
"543365",
"273735",
"213713",
"584998"
] | [
"\"In most cases of purchases the general advice is to save the money and then make the purchase. Paying cash for a car is recommended over paying credit for example. For a house, getting a mortgage is recommended. Says who? These rules of thumb hide the actual equations behind them; they should be understood... |
5413 | First time home buyer. How to negotiate price? | [
"366824",
"30388",
"276854",
"203626",
"190169",
"98140",
"17269",
"576001",
"35651"
] | [
"Well it all kind of depends. The Realtor is your pro, and you should communicate further with him. Is this a neighborhood on the decline? Is there a good reason to make such a low offer? Are you totally off base when you think 85K is fair, and if so why? Is he just working his tail off for you (a great thing... |
5415 | First time investing advice (Canada) | [
"431389",
"145870"
] | [
"Question One: Question Two: Your best reference for this would be a brokerage account with data privileges in the markets you wish to trade. Failing that, I would reference the Chicago Mercantile Exchange Group (CME Group) website. Question Three: Considering future tuition costs and being Canadian, you are eligib... |
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