question_id stringlengths 1 5 | question stringlengths 14 158 | pos_item_ids listlengths 1 23 | pos_item_contents listlengths 1 23 |
|---|---|---|---|
5418 | Calculate investment's interest rate to break-even insurance cost [duplicate] | [
"113457",
"309037",
"168703"
] | [
"I believe the following formula provides a reasonable approximation. You need to fill in the following variables: The average annual return you need on investing the 15% = (((MP5 - MP20) * 12) + (.0326 * .95 * PP / Y)) / (PP *.15) Example assuming an interest rate of 4% on a 100K home: If you invest the $15K you'... |
542 | Tax deductions on car and/or home? | [
"390435"
] | [
"If you itemize your deductions then the interest that you pay on your primary residence is tax deductible. Also realestate tax is also deductible. Both go on Schedule A. The car payment is not tax deductible. You will want to be careful about claiming business deduction for home or car. The IRS has very strict r... |
5428 | Can you help me find an ETF Selection website that evaluates my ETF holdings? | [
"386299"
] | [
"\"I used to use etfconnect before they went paid and started concentrating on closed end funds. These days my source of information is spread out. The primary source about the instrument (ETF) itself is etfdb, backed by information from Morningstar and Yahoo Finance. For comparison charts Google Finance can't be b... |
5429 | Evidence for timing market in the short run? | [
"426157",
"185809",
"285259",
"169074"
] | [
"\"The time horizon for your IRA is years or decades, therefore there is little evidence that there is a benefit to waiting for the \"\"perfect time\"\" to invest. Unless you plan on making only one or 2 years of investments now and then waiting till retirement; the other deposits you will make over the decades wi... |
5432 | Can my rent to own equity be used as a downpayment? | [
"74517",
"451421",
"338724"
] | [
"The home owner will knock 20% off the price of the house. If the house is worth $297K, then 20% is just a discount your landlord is offering. So your actual purchase price is $237K, and therefore a bank would have to lend you $237K. Since the house is worth more than the loan, you have equity. 20% to be more acc... |
5433 | Possible replacement for Quicken | [
"211503",
"151554",
"196432",
"357626"
] | [
"I would investigate mint.com further. Plenty of people have written off using them because Intuit purchased them, but that seems like cutting of your nose to spite your face. I think mint.com is worth it for its Trends functionality alone, not to mention its automatic categorization of your purchases, reminders w... |
5434 | Questioning my Realtor | [
"299811",
"597265",
"26655"
] | [
"A mortgage lender will not usually lend more than they could get if they had to repossess the property and sell it to recover their investment (in the U.S. it is generally accepted that 80% of market value is the golden number that makes the mortgage work). That's why an appraisal is required. Even with 50% down,... |
5435 | Getting over that financial unease? Budgeting advice | [
"349237",
"132356",
"587752"
] | [
"\"Budgeting is a tool for planning, not for execution. It sounds like you don't have a problem BUDGETING (planning what to spend on what things) but rather with the execution of your plan. That is - living frugally. This is primarily an issue of self control and personal psychology - not an issue with the mechanic... |
5437 | Mitigate Effects Of Credit With Tangible Money | [
"190225",
"22807",
"179960"
] | [
"If you have no credit history but you have a job, buying an inexpensive used car should still be doable with only a marginally higher interest rate on the car. This can be offset with a cosigner, but it probably isn't that big of a deal if you purchase a car that you can pay off in under a year. The cost of insura... |
5439 | Should I get a auto loan to diversify my credit lines if I have the cash to pay upfront | [
"153315",
"9216"
] | [
"You should not seek a kind of debt just for it's appearance on your credit report. If you don't need an auto loan don't get an auto loan. Getting a credit card for the purpose of building credit is a little bit of a different animal because you can use a credit card such that you never pay any interest or fees. ... |
544 | Are banks really making less profit when interest rates are low? | [
"177908",
"177137",
"380071"
] | [
"profit has nothing to do with the level of interest rates. Is this correct? In theory, yes. The difference that you're getting at is called net interest margin. As long as this stays constant, so does the bank's profit. According to this article: As long as the interest rate charged on loans doesn't decline faster... |
5440 | Is CFD a viable option for long-term trading? | [
"314669",
"537982",
"181069",
"294311",
"85117",
"361929"
] | [
"Yes it is viable as long term!! BUT... The average yearly return for the Nasdaq-100 for the last 20 years is 15%!! If you subtract the financing cost for the CFD (my broker is 4%) it gives you about 11%. You can add 1% dividend yield to that. That's 12% return!! As you earn more you can compound in more contracts.... |
5446 | Where I can find S&P 500 stock data history? | [
"480121"
] | [
"I assume you're after a price time series and not a list of S&P 500 constituents? Yahoo Finance is always a reasonable starting point. Code you're after is ^GSPC: https://finance.yahoo.com/quote/%5EGSPC/history?p=^GSPC There's a download data button on the right side."
] |
545 | Why would a company care about the price of its own shares in the stock market? | [
"512914",
"566553",
"454089",
"12560",
"534870",
"565453",
"57286",
"467594",
"555608",
"499269",
"91012",
"374372",
"101046"
] | [
"Stock price is an indicator about the health of the company. Increased profits (for example) will drive the stock price up; excessive debt (for example) will drive it down. The stock price has a profound effect on the company overall: for example, a declining share price will make it hard to secure credit, attrac... |
5451 | My ex sold our car that still had money owed | [
"295355",
"391370"
] | [
"It is a legal issue for two reasons. In the United States if both names were on the title both people would have had to sign the paperwork in order to transfer the title. If the car was collateral for the loan, then the bank would have had to be involved in the transaction. The portion of the check need to repay t... |
5453 | Shareholders meetings — the announcement of significant news | [
"534587"
] | [
"SE:Personal Finance user Ray K says in a comment on this question that his or her broker said: a company cannot release any significant news in a share-holder meeting that is not publicly accessible / open, similar to how earnings releases are available to the entire public at the same time, not just to a few atte... |
5454 | Online service that computes implied volatility | [
"510061",
"571990"
] | [
"\"My broker (thinkorswim) offers this from the platform's trade tab. I believe this feature isn't crippled in the PaperMoney version which is effectively a \"\"free online service.\"\"\"",
"remember that IV is literally the volatility that would be present to equate to the latest price of a particular option co... |
5455 | Outstanding car bill, and I am primary but have not driven it for 2 years | [
"515383",
"403749"
] | [
"Sounds like you need to contact your ex and sort it out. If you have co-signed the loan, changes are you are equally responsible even if on party chooses not to pay, then the bank will come after the other one. If you no longer wish to be part of the arrangement and your ex still wants the car, she will have to bu... |
5458 | How can I get a home loan within 2 years of bankruptcy? | [
"118491",
"371758"
] | [
"Your only option might be finding a seller-financed property with a motivated seller who is willing to take the risk of loaning you money. However, be prepared to pay a hefty rate on that loan if you can even pull it off.",
"There are a few loan programs that grant exceptions to bankruptcy requirements in the ev... |
546 | Deducting SEP-IRA contributions as a sole proprietor with no employees | [
"457701"
] | [
"SEP IRA deduction goes to line 28 of your 1040, which is above the line (i.e.: pre-AGI). It should not be included in your taxable income (AGI) for Federal purposes."
] |
5461 | Refinancing a vehicle, longer term with extra in the kitty, or shorter term and just make scheduled payment? | [
"110081",
"200297"
] | [
"\"It really depends on the answers to two questions: 1) How tight is your budget going to be if you have to make that $530 payment every month? Obviously, you'd still be better off than you are now, since that's still $30 cheaper. But, if you're living essentially paycheck to paycheck, then the extra flexibility ... |
5462 | Accounting for currency depreciation | [
"437614"
] | [
"Yes - it's called the rate of inflation. The rate of return over the rate of inflation is called the real rate of return. So if a currency experiences a 2% rate of inflation, and your investment makes a 3% rate of return, your real rate of return is only 1%. One problem is that inflation is always backwards-look... |
5463 | Remitting Money To India Towards Home Loan Repayment | [
"233254"
] | [
"If you are still Indian Citizen for Tax purposes, then all your Global Income is taxable [There are certain exemption if you are in certain professions]. So even if you transfer or not transfer the funds to India, it is taxable in India. If you are getting a per day allowance, its exempt, this has to be looked mor... |
5466 | How to pay for Alzheimer's care? | [
"267215",
"52065"
] | [
"The cost of Alzheimer's care depends on the facility that provides this care. Specialized facilities usually have higher costs than general geriatric care ones. Though there are several ways to cover the cost: I think you'd better read the article http://www.autumngrove.com/blog/how-to-pay-for-alzheimers-care/ or ... |
5467 | What are my tax-advantaged investment options at a university job? | [
"244084"
] | [
"\"Yes. Two years after your first contribution to the SIMPLE IRA, you can roll it to a traditional IRA. You can still contribute \"\"pre-tax\"\", but the mechanism will be slightly different, since with an employer plan the contribution was automatically deducted from your paycheck. With an individual plan, you ... |
5468 | Historical data files for NYSE/NASDAQ daily open/close price data? | [
"580133",
"189341"
] | [
"I think Infochimps has what you are looking for: NYSE and NASDAQ.",
"Another possibly more flexible option is Yahoo finance here is an example for the dow.. http://finance.yahoo.com/q/hp?s=%5EDJI&a=9&b=1&c=1928&d=3&e=10&f=2012&g=d&z=66&y=0 Some of the individual stocks you can dl directly to a spreadsheet (not s... |
5471 | Where can one find intraday prices for mutual funds? | [
"457811",
"384265",
"285466",
"367071"
] | [
"Mutual funds don't have intraday prices. They have net asset values which are calculated periodically (daily or weekly or any other period depending on the fund).",
"This idea does not make sense for most mutual funds. The net asset value, or NAV, is the current market value of a fund's holdings, minus the fund'... |
5477 | Are REIT worth it and is it a good option to generate passive income for a while? | [
"61030",
"496050",
"19837",
"305863"
] | [
"One way is to think of a REIT as a fully managed portfolio of real estate investments. Risks and returns are averaged across the real estate portfolio and managed by experts, possibly industry leading experts. REITs have a well documented track record you can research - most individuals do not. Many individuals h... |
5479 | What is the best approach to save money for College for three kids? | [
"574678",
"464500",
"307895"
] | [
"I'm not a 'rule of thumb' guy, but here, I'd suggest that if you can set aside 10% of your income each year for college, that would be great. That turns out to be $900/mo. In 15 years, if you saw an 8% CAGR, you'd have $311K which happens to be in your range of expenses. And you'd still have time to go as the bab... |
5480 | Is it possible to know the probability that a trade is successful? | [
"595850",
"114057"
] | [
"If you had a trading system, and by trading system I mean the criteria setup that you will take a trade on, then once a setup comes up at what price will you open the trade and at what price you will close the trade. As an example, if you want to buy once price breaks through resistance at $10.00 you might place y... |
5483 | Ways to get individual securities from ETF's | [
"295993",
"188855",
"71230"
] | [
"ETFs are legally required to publicly disclose their positions at every point in time. The reason for this is that for an ETF to issue shares of ETF they do NOT take cash in exchange but underlying securities - this is called a creation unit. So people need to know which shares to deliver to the fund to get a shar... |
5485 | Will an ETF increase in price if an underlying stock increases in price | [
"270539",
"357127",
"49168",
"260305"
] | [
"The ETF supply management policy is arcane. ETFs are not allowed to directly arbitrage their holdings against the market. Other firms must handle redemptions & deposits. This makes ETFs slightly costlier than the assets held. For ETFs with liquid holdings, its price will rarely vary relative to the holdings, sl... |
5487 | Any Loop Holes for Owner Occupancy? | [
"327428"
] | [
"\"There are 2 and 3 family houses that have an \"\"owner occupied\"\" clause for certain financing. Of course, one would rent out the extra apartments without question. The key thing is that owner-occupied means just that, occupancy for tax purposes. Just using a small area like an office won't satisfy the requir... |
5488 | What ETF or other security tracks closest to 30 year mortgage rates? | [
"419397",
"550648"
] | [
"\"TBF - Proshares short 20+ Year Treasury The TBF fund is designed to track (hopefully) 100 percent of the inverse daily returns of the Barclays Capital 20+ Year U.S. Treasury Index. there's some risk of tracking error, and also a compounding effect if it's down several days in a row. (invest with care) There... |
5489 | Is there a good forum where I can discuss individual US stocks? | [
"408995",
"519167",
"500338",
"8653",
"192912"
] | [
"I would recommend looking at The Motley Fool.",
"\"If it's an active stock, the Yahoo message boards are inhabited by some clueful people. But the signal-to-noise ratio is relatively low, and there are a lot of \"\"interesting\"\" characters who inhabit the boards as well.\"",
"I've used Wikinvest before and t... |
5491 | Historical P/E ratios of small-cap vs. large-cap stocks? | [
"24979"
] | [
"There is most likely an error in the WSJ's data. Yahoo! Finance reports the P/E on the Russell 2000 to be 15 as of 8/31/11 and S&P 500 P/E to be 13 (about the same as WSJ). Good catch, though! E-mail WSJ, perhaps they will be grateful."
] |
5492 | What is a good way to keep track of your credit card transactions, to reduce likelihood of fraud? | [
"39263",
"5334",
"440802",
"509108",
"320183"
] | [
"The best way is to retain the charge slips. After you are done for the month you can discard them. Alternatively if you are using any of the personal finance tool or a simple XLS to track exepnses, it would be easy to figure out what you actually spent and what was not yours.",
"Sign up for alerts. Everytime ... |
5493 | Separating money in bank account without opening another account | [
"329849"
] | [
"\"There are some banks that offer \"\"pot\"\" accounts like this (off the top of my head I think Intelligent Finance does, although they call them \"\"jars\"\"). The other option for charity specifically would be a CAF account: https://www.cafonline.org/my-personal-giving/plan-your-giving/individual-charity-acco... |
5495 | Source(s) for hourly euro/usd exchange rate historic data? | [
"206527"
] | [
"See the FX section of the quantitative finance SE data wiki."
] |
5496 | When I pay off my mortgage loan, what would really happen? | [
"58353"
] | [
"The underlying investment is usually somewhat independent of your mortgage, since it encompasses a bundle of mortgages, and not only yours. It works similarly to a fund. When, you pay off the old mortgage while re-financing, the fund receives the outstanding debt in from of cash, which can be used to buy new mortg... |
5497 | What kinds of exchange-traded funds (ETFs) should specifically be avoided? | [
"86627",
"324697",
"210257"
] | [
"\"Stay away from leveraged or synthetic ETFs. This answer talks about why leveraged ETFs are dangerous. There are numerous articles to be found by searching for \"\"leveraged etf\"\". My answer to this question links to one of the more accessible explanations I've read.\"",
"One of the key things to look for is ... |
5499 | Passive vs. active investing past performance comparison/data? | [
"394748"
] | [
"The Telegraph had an interesting article recently going back 30 years for Mutual's in the UK that had beaten the market and trackers for both IT and UT http://www.telegraph.co.uk/finance/personalfinance/investing/11489789/The-funds-that-have-returned-more-than-12pc-per-year-for-THIRTY-years.html"
] |
550 | How can Schwab afford to refund all my ATM fees? | [
"417133",
"73032",
"463449"
] | [
"I am using my debit card regularly: in ATM's with a pin, in stores with my signature, and online. But later you say But from what I recall from starting my own business (a LONG time ago), for debit cards there's only a per-transaction fee of like $0.25, not a percentage cut. Only pin transactions have just a per-... |
5500 | Should I switch to this high rate checking account for my emergency fund? | [
"433744",
"461948",
"32520",
"517440"
] | [
"I do this, and as you say the biggest downside is not having a separate account for your savings. If you're the type of person who struggles with restraint this is not for you. On the other hand this type of account gives more interest than any other type of US Checking or Savings account I've seen, so you will b... |
5504 | Pay down on second mortage when underwater? | [
"322587",
"357553",
"97473",
"436793",
"350588",
"269817"
] | [
"I'd split whatever cash flow you have between saving money and paying down the 20% loan. The fact that you are carrying an unrealized loss isn't really too relevant -- unless you have plans to walk away from the loan or go bankrupt, it doesn't really matter until you sell. You're either going to repay now or later... |
5507 | Why is there so much interest on home loans? | [
"59540",
"131723"
] | [
"\"APR stands for \"\"annual percentage rate.\"\" This means when you see a loan with a 6% rate, it is 6% per year. On a $100,000 mortgage, where you aren't paying much of the principal down at first, a 6% rate would have you paying nearly $6,000 in interest in the first year alone.\"",
"Interest rates are alway... |
5509 | Dad paying for my new home in cash. How can I buy the house from him? | [
"341947",
"304952",
"265239",
"43556",
"192079"
] | [
"You are going to need a lawyer anyway so check with him. But here is a path you might be able to go down. Put the house in your name right from the get go. He gives you the money but you sign over a promissory note to him so that you net less than $14000 (gift tax annual exclusion for the calendar year). He c... |
5512 | How should I choose an additional retirement investment plan? | [
"511135"
] | [
"\"It's a hard decision to make. Especially without knowing the complete contract details. I would in general stay away from financial \"\"advisors\"\" like tecis or other pyramid selling companies (\"\"Strukturvertriebe\"\" in german). They usually only offer a very limited range of products. In most cases they se... |
5513 | Can you explain why these items are considered negatives on my credit report? | [
"442230",
"44063",
"117429",
"193641"
] | [
"Creditworthiness is proven over time. The longer your track record of making payments on time, the more probable you will stick to credit agreements in future (or so the reasoning goes). Conversely, someone who has only just started applying for credit could be someone whose finances were previously stable but hav... |
5515 | Is the Chrysler extended warranty coverage worth it? | [
"564420"
] | [
"I haven't looked at that warranty in detail, but generally speaking this should help. What is GAP insurance? In the case of a total loss/write off gap insurance covers the outstanding finance after your regular insurance pay out. The two won't match up usually because of the depreciation right after you buy the ca... |
5517 | Does a larger down payment make an offer stronger? | [
"518967",
"53092",
"138403",
"323647"
] | [
"There is some element of truth to what your realtor said. The seller takes the house off the market after the offer is accepted but the contract is contingent upon, among other things, buyer securing the financing. A lower down payment can mean a higher chance of failing that. The buyer might be going through FHA... |
5519 | Can an immigrant get a mortgage in the us? | [
"13718"
] | [
"There are two Questions: Financial institutions do not care about your nationality, only your ability to pay over time. For long term debt the lender will want assurances that the borrower has the ability and means to pay the debt over time. A legal resident in the US should have no more difficulty obtaining finan... |
552 | How much accounting knowledge is needed to read financial statements of publicly traded companies? | [
"35093",
"305117"
] | [
"\"I'm a senior majoring in accounting and management information systems. Here is a question I answered a while back about financial statements and employee retention. In the answer that I provided at the bottom it was to assess a company's ability to pay by use of ratios. Likewise, similar accounting methods need... |
5521 | Like a Roth IRA for intellectual property, offshore assignment? | [
"221747"
] | [
"One can have a self-directed IRA. This is not like a Schwab, eTrade, etc IRA. It has a special type of custodian that knows how to manage it. I became aware of such an account as a way to purchase a rental property. There were two issues. The type of property I looked at wasn't anything a bank was willing to fina... |
5524 | Sell home to buy another home for cash | [
"231737"
] | [
"The cleanest way to accomplish this is to make the purchase of your new house contingent on the sale of your old one. Your offer should include that contingency and a date by which your house needs to sell to settle the contract. There will also likely be a clause that lets the seller cancel the contract within... |
5525 | Is it worth it to reconcile my checking/savings accounts every month? | [
"387400",
"380263",
"408628",
"476960",
"34306",
"480155",
"563508"
] | [
"I quit diligently reconciling monthly statements some years before everything was online, when I realized that for years before that, every time I thought I found a mistake, it was always my own error. I was spending a fair amount of time (over the years) doing something that wasn't helping me. So I quit. That sai... |
5526 | Helping girlfriend accelerate credit score improvement | [
"595029",
"445163"
] | [
"This is an all too common problem and is not easy to resolve. Divorce agreements do not alter prior mortgage contracts. Most importantly, the bank is not required, and will not normally, remove the girlfriend from the mortgage even if she quitclaimed it to her Ex. If he has abandoned the property there is a good c... |
5527 | How can I tell if this internet sales manager is telling me the real “true cost” of a new car to the dealer | [
"394905",
"433066"
] | [
"I don't buy new cars anymore, but I've helped family members negotiate prices on new cars recently. There are various online services to see the average price paid, as well as the low outliers. I've looked at truecar.com for instance to see what others have paid within 50 miles of my zip-code. I think the only way... |
5528 | How to fund sabbatical to prepare house for sale? | [
"468104"
] | [
"I'll write this up as a more formal answer, here. I'd suggest looking into a Home Equity Line of Credit, or HELOC. You didn't mention in your question how much equity you have in the home, but assuming at least 20%, you might be able to open a HELOC with a line of $40,000. My experience is that you can do 50% of y... |
553 | US Self-Employment Tax: Do expenses stack with the 50% SE deduction? | [
"444273"
] | [
"Business expenses reduce business income. The SE tax is paid on business income. The credit for 1/2 the SE tax is based on the amount of SE tax paid. So:"
] |
5530 | Complete Opposite Calculations and Opinions - Using Loan to Invest - Paying Monthly Installments with Monthly Income | [
"408058",
"495717"
] | [
"The advice you were given in the other question was don't do it. The math is not the issue. The interest structure is not the issue. But there is a significant chance that you could lose money on the deal. If you invested your money in a NASDAQ heavy position in January 2000, you are still waiting to break even in... |
5532 | First time investing in real-estate, looks decent? | [
"65137",
"178278"
] | [
"\"Congratulations, you are in great shape financially at a very young age. Great income, nice equity in a home, and mostly debt free. It seems like you are looking at taking out a loan of 400K, and to do so you will have to put your own home at risk as you do not have the 80K cash for a down payment. Correct? ... |
5537 | What is title insurance, and should I get title insurance for my home? | [
"300391",
"286535",
"78336",
"320044"
] | [
"Here is a pretty exhaustive article on that question. Long story short, it is an insurance policy against the possibility that the person selling the property to you doesn't legally own it. If there was some mistake or fraud along the way the proper owner could theoretically repossess the property without you gett... |
5538 | Any good software for value investment? | [
"38726",
"465971",
"201771"
] | [
"\"I hope people don’t see this as being facetious but invest some time in learning to do that with Excel. Most financial information websites (Yahoo, MSN, etc.) will allow you to extract all the data you need into excel. This way you can learn to do analysis with something that isn’t a \"\"black box\"\" (as to mea... |
554 | I am under 18 years old, in the US, my parents have terrible credit, how can I take out a loan? | [
"6343",
"142876"
] | [
"Depending on the state this might not be possible. Loans are considered contracts, and various states regulate how minors may enter into them. For example, in the state of Oregon, a minor may NOT enter into a contract without their parent being on the contract as well. So you are forced to wait until you turn 18. ... |
5540 | What does PMI mean? | [
"142059",
"98816"
] | [
"Private Mortgage Insurance. It's money that you pay to an insurance company to make the lender whole in the event that you go into default. It's a real waste of money for you. If you are trying to finance more than 80% of the value of a home, a standard mortage is likely to require that you get PMI. Nowadays there... |
5542 | Refinance a land loan into a mortgage loan | [
"322293"
] | [
"\"The Answer is yes according to multiple online sources and my local bank. This approach is a common technique to building your own home. You finance the land, build the simplest possible dwelling (say a garage with 1 bathroom/bedroom), refi into a mortgage and get cash back and then build your \"\"real house\"\"... |
5545 | Calculating theoretical Present Value | [
"548718",
"40414"
] | [
"If you are using an Excel, the Function PV should be able to easily calculate this. Excel Formulae PV = (Rate,Nper,Pmt,Fv,Type) Where Rate: Rate of return. In this case you can use Inflation or assumed rate that would cost you. Say 3-5%. Note the Rate has to be for Nper. i.e. in Nper if you are counting yearly p... |
5548 | Can value from labor provided to oneself be taxed? | [
"291949",
"551934",
"235298"
] | [
"This is called imputed income, which is generally not taxed in the US.",
"The basis of the home is the cost of land and material. That's it. Your time isn't added to basis. No different than if you spend 1000 hours in a soup kitchen. You deduct miles for your car and expenses you can document but you can't dedu... |
555 | UK limited company and personal bank account | [
"101748"
] | [
"I don't think there is a legal requirement that you need a separate bank account. Just remember that you can only take money from your LLC as salary (paying tax), as dividend (paying tax), or as a loan (which you need to repay, including and especially if the LLC goes bankrupt). So make very sure that your books a... |
5552 | How do I choose 401k investment funds? | [
"434279",
"550783",
"539539"
] | [
"\"Here is the \"\"investing for retirement\"\" theoretical background you should have. You should base your investment decisions not simply on the historical return of the fund, but on its potential for future returns and its risk. Past performance does not indicate future results: the past performance is frequent... |
5555 | Will I always be able to get a zero-interest credit card? | [
"164605",
"76954"
] | [
"No. There is no guarantee that credit card issuing banks will always use 0% introductory rates to entice anyone.",
"\"After looking at the comments, and your replies it seems that your mind is made up: \"\"You will always be able to obtain 0% credit, and nothing bad will ever happen\"\". Credit cards that offer... |
5556 | Are there any funds tracking INDEXDJX:REIT? | [
"307465"
] | [
"Although you can't invest in an index, you can invest in a fund that basically invests in what the index is made up of. Example: In dealing with an auto index, you could find a fund that buys car companies's stock. The Google Finance list of funds dealing with INDEXDJX:REIT Although not pertaining to your quetion ... |
5558 | Why are fund managers' average/minimum purchase price from form 13F the same? | [
"477162"
] | [
"The GuruFocus Link is just reporting the high and low price of the quarter. Price Range (Average) – The estimated trade prices. The average price is calculated from the time weighted average during the period. If no price range is shown, the trade prices are estimated trade prices, which are more accurate e... |
556 | Does receiving a 1099-MISC require one to file a tax return even if he normally would not be required to file? | [
"327078"
] | [
"\"Does he need to file a tax return in this situation? Will the IRS be concerned that he did not file even if he received a 1099? No. However, if you don't file the IRS may come back asking why, or \"\"make up\"\" a return for you assuming that the whole amount on the 1099-MISC is your net earnings. So in the end,... |
5562 | What are good games to play to teach young children about saving money? | [
"308962",
"479781",
"545061",
"140883",
"320445",
"182334"
] | [
"\"I found this great resource at MarketWatch.com - a listing on online games that help parents teach kids about saving and finance, set up by age group. Here's an example of some of the content: For children six to nine: www.fleetkids.com, sponsored by the Fleet Bank, has great games -- like \"\"Buy lo, Sell hi\"\... |
5563 | Is refinancing my auto loan just to avoid dealing with the lender that issued it a crazy idea? | [
"497436",
"67137",
"491285"
] | [
"I’d say No, it’s not crazy. I did that even for a mortgage, because the bank tended to lose my checks or let them sit for some days, and then claim I paid late. They were known on the internet for their poor processing department, so I decided to avoid that monthly hassle with calling and arguing, and refinanced. ... |
5564 | How to see a portfolio's overall profit or loss on Yahoo Finance? | [
"96250"
] | [
"The steps that I could imagine following:"
] |
5566 | How do I factor dividends and yield into the performance of a security? | [
"140769",
"49312",
"169754"
] | [
"Instead of a price chart can use a performance chart, which is usually expressed as a percentage increase from the original purchase price. To factor in the dividends, you can either add in all of your dividends to the final price, or subtract the accumulated dividends from your cost basis (the initial price).",
... |
5567 | How much in cash equivalents should I keep in the bank? [duplicate] | [
"408307"
] | [
"In personal finance circles this is called an Emergency Fund. There are many opinions about how big it needs to be but most seem to come in around 3-6 months worth of your average expenses. Any more than that and you're going to loose money to inflation, less and you will start having problems if you get laid off ... |
5568 | Need something more basic than a financial advisor or planner | [
"286461",
"98013",
"262885",
"113650",
"119699"
] | [
"Yes, there is a profession that does exactly what you're looking for. It's called a fee-only financial advisor. These are professionals who (in the United States) enter into a fiduciary relationship with a client, meaning they are legally required to put your financial interests above all other considerations (su... |
557 | US taxes and refunding/returning payment | [
"454931"
] | [
"Get the worker put it in writing, and deduct it in December under constructive receipt rules. The fact that you're getting the actual cash in January isn't significant as long as you've secured the payment. Verify this with a tax adviser, but that's what I would do."
] |
5570 | Can future rental income be applied to present debt-to-income ratio when applying for second mortgage? | [
"367930",
"92397",
"190873"
] | [
"They will include the rental income into the calculation. They don't give you a 100% credit for the income because they have to factor that you might have a gap between tenants. Years ago they only credited me with 66% of the expected monthly income. Example: This expense was then supposed to come from the 10% o... |
5571 | How can I compare having accounts at various banks without opening an account? | [
"30006"
] | [
"\"I think that your best option is to use the internet to look for sites comparing the various features of accounts, and especially forums that are more focused on discussion as you can ask about specific banks and people who have those accounts can answer. \"\"Requests for specific service provider recommendation... |
5574 | What prevents investors from buying high yield stocks and selling them as soon as their dividend is paid out? | [
"71511",
"189874",
"559436",
"121240",
"412965",
"294810",
"548705"
] | [
"\"You have to be the owner of record before the ex-dividend date, which is not the same day as the date the dividend is paid. This also implies that if you sell on or after the ex-dividend date, you'll still get the dividend, even if you no longer own the stock. Keep in mind, also, that the quoted price of the st... |
5576 | implementation of risk managed momentum strategy | [
"592665"
] | [
"The paragraph before on page 115 states: Scaling corresponds to having a weight in the long and short legs that is different from one and varies over time, but the strategy is still self-financing. Meaning that the long and short positions are no longer equal due to weighting one side more highly than the othe... |
5577 | Pay for a cheap car or take out a loan? | [
"385086",
"489091",
"455851",
"331085",
"292718",
"70885"
] | [
"\"This was a huge question for me when I graduated high school, should I buy a new or a used car? I opted for buying used. I purchased three cars in the span of 5 years the first two were used. First one was $1500, Honda, reliable for one year than problem after problem made it not worth it to keep. Second car was... |
5579 | Should I make additional payments on a FHA loan, or save up for a refinance? | [
"327115"
] | [
"You would have to do the specific math with your specific situation to be certain, but - generally speaking it would be smarter to use extra money to pay down the principle faster on the original loan. Your ability to refinance in the future at a more favorable rate is an unknowable uncertainty, subject to a numbe... |
558 | Are there any issues with registering an LLC in a foreign state? | [
"341220",
"295624"
] | [
"\"No, there are no issues. When you form the corp in DE, you pick a business there to serve as your \"\"agent\"\" (essentially someone who knows to get in contact with you). The \"\"agent\"\" will notify you about taxes and any mail you get, but besides the fee they charge you for being the agent, you should fil... |
5580 | Checking the math on a Truth-in-Lending Disclosure | [
"284865"
] | [
"As your question is written now, it looks like you have a typo. Your stated APR is 5.542% = 0.05542, not 0.005542 as you've written. I ran the numbers that you gave (accounting for the typo) through the formula at Wikipedia and got $849.2528 / month, which will round to $849.25 for most payments. That doesn't m... |
5581 | Remortgaging my home to release capital for second property | [
"133054"
] | [
"I've had a hard time finding out details on remortgaging Help to Buy loans myself, but found one article (http://www.thisismoney.co.uk/money/mortgageshome/article-3038831/Help-Buy-borrowers-risk-missing-best-remortgage-deals.html) which points out it IS possible. But also that there aren't many lenders offering s... |
5582 | How do I know what loan terms I can qualify for? | [
"478710"
] | [
"\"You can find out the most money they will loan you for a car loan when you approach your current bank/credit union. They should be willing to layout options based on your income, and credit history. You then have to decide if those terms work for you. There are several dangers with getting loan estimates, they m... |
5583 | Is a real estate attorney needed for builder deposit contract? | [
"245779",
"202054"
] | [
"You are planning on signing a contract for, likely, hundreds of thousands of dollars, and plan on paying, likely, tens of thousands of dollars in a deposit. For a house that is not built yet. This isn't particularly unusual, lots of people do this. But, you need a lawyer. Now, before you sign anything. Your agent ... |
5586 | What is the difference between Protected-equity loan vs Equity loan? | [
"164555"
] | [
"In simple terms : Equity Loan is money borrowed from the bank to buy assets which can be houses , shares etc Protected equity loan is commonly used in shares where you have a portfolio of shares and you set the minimum value the portfolio can fall to . Anything less than there may result in a sell off of the share... |
5587 | Should I trade in a car I own to lower my payments on a new lease? | [
"205742",
"215225"
] | [
"You need to look at the numbers when you're ready to transact. What your crossover is worth now, what the truck will lease for then, what financing deals may or may not be available will all change. I'm not sure why you've already decided you will lease the truck, perhaps you're planning to take advantage of some... |
5590 | Sell or keep rental Property? | [
"456064",
"259450",
"593976"
] | [
"Sell the house, in the scenario you describe he is using the property as an investment with a $250 per month buy-in. This investment doesn't make a return right now and when you add in the cost of dealing with the tenant (even if he doesn't have those cost now, he will when they move out)he is out of more than $25... |
5591 | Is it common for a new car of about $16k to be worth only $4-6k after three years? | [
"185531",
"223502",
"447034"
] | [
"It depends completely on the car. Some cars retain their value much better, and others drop in value like a rock (no pun intended). The mileage and condition on a car also has a huge impact on value. According to this site, cars on average lose 46% of their value in three years, so seeing one that drops 62% in... |
5596 | “Convertible -debt/note/bond/debentures” which of these are the same or different? | [
"438449"
] | [
"They all basically mean the same thing - a type of debt than can be exchanged for (converted into) equity at some point. It's only the mechanics that can be different. A convertible bond is structured just like a regular bond - it (usually) pays periodic interest and has a face value that's due at maturity. The di... |
5597 | Error in my car loan papers, what do I do? | [
"567916"
] | [
"The absolute first thing you need to do is contact the bank. Also, do you have a copy of the loan papers you signed? You should look over those as soon as possible as well. I'm sure you want these payments going toward your FICO score and not your mothers."
] |
5600 | Stranger in Asia wants to send me $3000 in Europe over Western Union because he “likes me”? [duplicate] | [
"29571",
"444134",
"258559"
] | [
"how are the ways he could scam me? There are hundreds of different ways the scam can progress ... broadly;",
"\"The first question I have to ask is, why would your \"\"friend\"\" even be considering something so ridiculous? There are so many variations of the banking scam running around, and yet people can't se... |
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