question_id stringlengths 1 5 | question stringlengths 14 158 | pos_item_ids listlengths 1 23 | pos_item_contents listlengths 1 23 |
|---|---|---|---|
6279 | Why is there inconsistent returns difference between direct and regular Mutual Funds? | [
"283893",
"62853"
] | [
"If this is the case, then shouldn't the difference between their annualized returns be same year on year? In general yes, however there difference has a compounding effect. i.e. if the difference if 5% first year, this money is invested and it would generate more of the said returns. However in reality as the corp... |
628 | is the bankruptcy of exchange markets possible? | [
"3463",
"75965",
"577768"
] | [
"You seem to think that stock exchanges are much more than they actually are. But it's right there in the name: stock exchange. It's a place where people exchange (i.e. trade) stocks, no more and no less. All it does is enable the trading (and thereby price finding). Supposedly they went into mysterious bankruptcy ... |
6280 | What retirement plans/options should i pick for a relatively unstable career path? | [
"460779"
] | [
"\"Your retirement plan shouldn't necessarily be dictated by your perceived employment risks. If you're feeling insecure about your short-term job longevity and mid-career prospects, you will likely benefit from a thoughtful and robust emergency fund plan. Your retirement plan is really designed to fund your life a... |
6281 | How to Create Personal Balance Sheet and Budget Plan for Several Accounts | [
"584175"
] | [
"\"As your financial situation becomes more complex, it becomes increasingly more difficult to keep track of everything with a simple spreadsheet. It is much easier to work with software that is specifically designed for personal finances. A good program will allow you to keep track of as many accounts as you want... |
6283 | What does it mean to long convexity of options? | [
"473015",
"273598",
"48050"
] | [
"\"First lets understand what convexity means: Convexity - convexity refers to non-linearities in a financial model. In other words, if the price of an underlying variable changes, the price of an output does not change linearly, but depends on the second derivative (or, loosely speaking, higher-order terms)... |
6286 | Why do banks insist on allowing transactions without sufficient funds? | [
"53520",
"185403",
"120554",
"274227"
] | [
"The reason they want the transaction to go through is because they make money that way. Remember the overdraft protection might incur a fee. If it does their experience may show them that the fee is a greater source of profit when balanced against the losses incurred because of insufficient funds. Even free overdr... |
6288 | Saving up for an expensive car | [
"574374",
"439293",
"28072",
"3293",
"271076"
] | [
"The question is how does $16,000/year for 6.5 years fit into your budget. Or to put it another way, what won't you be spending that money on? Housing, food, vacations, retirement fund, investments (though you can invest your car fund in the meantime), building a hefty emergency fund, kids college funds, saving for... |
629 | Filing Form 7004 if an LLC's only members are husband and wife | [
"271772"
] | [
"Since you both are members of the LLC - it is not a single-member LLC, thus you have to file the tax return on behalf of the LLC (I'm guessing you didn't elect corporate treatment, so you would be filing 1065, which is the default). You need to file form 4868 on behalf of yourselves as individuals, and form 7004 o... |
6290 | What is a good 5-year plan for a college student with $15k in the bank? | [
"195587",
"67500",
"286746",
"431351",
"347849",
"441518"
] | [
"\"I disagree with the IRA suggestion. Why IRA? You're a student, so probably won't get much tax benefits, so why locking the money for 40 years? You can do the same investments through any broker account as in IRA, but be able to cash out in need. 5 years is long enough term to put in a mutual fund or ETF and expe... |
6291 | Fundamentals of creating a diversified portfolio based on numbers? | [
"308764",
"206118",
"528316"
] | [
"Good question. There are plenty of investors who think they can simply rely on intuition, and although luck is always present it is not enough to construct a proper portfolio. First of all there are two basic types of portfolio management: Passive and Active. The majority of abnormal gains are made with active por... |
6293 | Difference between Hedge Fund and Private Equity? | [
"179664"
] | [
"Private Equity is simply some type of an investment company, which is owned in a way not accessible to the public. ie: Warren Buffet runs Berkshire Hatheway, which is an investment company which itself is traded on the New York Stock Exchange. This means that anyone can buy shares in the company, and own a small f... |
6294 | Deposit cash into US bank account | [
"224667"
] | [
"Sure; you can deposit cash. A few notes apply: Does the source of cash need to be declared ? If you deposit more than $10,000 in cash or other negotiable instruments, you'll be asked to complete a form called a Currency Transaction Report (here's the US Government's guidance for consumers about this form). There's... |
6295 | Should I use a credit repair agency? | [
"553756",
"461446",
"571694",
"395379",
"575552",
"194563",
"381432"
] | [
"Repairing your credit takes time. Companies that offer to do it for you (for money) generally succeed mostly at getting money from you. Nonprofit agencies will help you with advice and encouragement and will not want money from you. They may be able to help you apply for a consolidation loan, but to be honest tha... |
6296 | Calculate time to reach investment goals given starting balance? | [
"480128",
"545805",
"31019"
] | [
"The Finance functions in spreadsheet software will calculate this for you. The basic functions are for Rate, Payment, PV (present value), FV (Future value), and NPER, the number of periods. The single calculation faces a couple issues, dealing with inflation, and with a changing deposit. If you plan to save for ... |
6297 | Identifying “Dividend Stocks” | [
"533140",
"9354",
"120297"
] | [
"If you don't have a good knowledge of finance, maybe you should not put too much money in individual stocks. But if you really want to invest, you can just compare the rate of return of the most known stocks available to you (like the one from the S&P for the US). The rate of return is very simple to compute, it's... |
6298 | How to measure a currencies valuation or devaluation in relevance to itself | [
"151838",
"241000",
"75650"
] | [
"\"It's very hard to measure the worth of an abstract concept like money, particularly over long periods of time. In the modern era we have things like the Consumer Price Index (CPI) in the United States, where the Bureau of Labor Statistics literally sends \"\"shoppers\"\" out to find prices of things and surveys ... |
6299 | What should a 19 year old with a moderate inheritance look for in a financial advisor? | [
"551849"
] | [
"\"I think your question is pretty wise, and the comments indicate that you understand the magnitude of the situation. First off, there could be nothing that your friend could do. Step parent relationships can be strained and this could make it worse, add the age of the girl and grief and he could make this a lo... |
63 | Do I need to keep paper records for my business? | [
"509617"
] | [
"Scanned or electronic copies of invoices should be sufficient as long as they are accurate and you can deliver them during an audit. Also, if you have an accountant prepare your taxes you would either need to provide them a copy of the invoices or a summary of them with the corresponding amounts to be claimed. Per... |
630 | What to do if my aging father is sustaining a hobby that is losing several thousand dollars every month? | [
"444172",
"39724",
"226201"
] | [
"You've already counted the cost. It will cost your family ~$10,000 per month until your father dies, or until there's no money left, to enable him to pretend that he is a successful business owner. I'd ask him when he thinks business is going to pick up again. He may be honest with himself. Or, ask him to conside... |
6302 | A little advice please…car loan related | [
"95120",
"352428"
] | [
"\"Let's assess the situation first, then look at an option: This leaves you with about $1,017/mo in cash flow, provided you spend money on nothing else (entertainment, oil changes, general merchandise, gifts, etc.) So I'd say take $200/mo off that as \"\"backup\"\" money. Now we're at $817/mo. Question: What have... |
6304 | Oversimplify it for me: the correct order of investing | [
"344206",
"244692",
"248935",
"250397",
"105557",
"333219",
"101363"
] | [
"I am a firm believer in the idea of limiting debt as much as possible. I would not recommend borrowing money for anything other than a reasonably sized mortgage. As a result, my recommendations are going to be geared toward that goal. The top priorities for me, then, would be to make sure, first, that we don't h... |
6305 | How much time does a doctor's office have to collect balance from me? | [
"87402",
"206409",
"243333"
] | [
"\"They have forever to collect a balance from you. Furthermore they can add whatever penalties and fees they wish to increase that balance. Worst of all, they don't have to remind you or send you bills or any other notification. You owed it when you left the office. (There very well could be local laws that re... |
6306 | 401k with paltry match or SPY ETF? | [
"290385",
"269385",
"328754"
] | [
"\"Answers: 1. Is this a good idea? Is it really risky? What are the pros and cons? Yes, it is a bad idea. I think, with all the talk about employer matches and tax rates at retirement vs. now, that you miss the forest for the trees. It's the taxes on those retirement investments over the course of 40 years that re... |
6309 | Next option(s) after house is not selling on market? | [
"379023"
] | [
"EDIT: new ideas based on the full story. I wouldn't worry about the price history. While it is certainly true that some buyers might try to leverage that information against you, the bottom line is the price is the price. Both the buyer and the seller have to agree. If the initial listing was too high, then lo... |
631 | What tax rules apply to selling of digital goods, specifically in-game currencies? | [
"77618"
] | [
"\"Believe it or not, unless you directly contact an accountant with experience in this field or a lawyer, you may have a tough time getting a direct answer from a reputable source. The reason is two fold. First, legally defining in-game assets is exceptionally difficult from a legal/taxation stand point. Who re... |
6312 | Is there any real purpose in purchasing bonds? | [
"481683",
"20354"
] | [
"\"Here are my reasons as to why bonds are considered to be a reasonable investment. While it is true that, on average over a sufficiently long period of time, stocks do have a high expected return, it is important to realize that bonds are a different type of financial instrument that stocks, and have features tha... |
6314 | Foreign national currently working in U.S. & investing in 401(k) plan: How will taxes apply? | [
"417388"
] | [
"The 401(k) contribution is Federal tax free, when you make the contribution, and most likely State too. I believe that is true for California, specifically. There was a court case some years ago about people making 401(k) or IRA contributions in New York, avoiding the New York state income tax. Then they moved t... |
6316 | What are the easier to qualify home loans in Canada? | [
"47441"
] | [
"Your credit score is really bad, and it's highly unlikely anyone will be willing to give you a mortgage, especially if you still have bad debt showing up on your credit report. What would help? Well, clearing off any bad debt would be a good place to start. Ideally, you want to get your credit rating up above 680,... |
6319 | Making a big purchase over $2500. I have the money to cover it. Should I get a loan or just place it on credit? | [
"548784",
"188676",
"297274",
"369996",
"331722",
"297331",
"401816"
] | [
"I would not be concerned about the impact to your credit rating. You already have an excellent credit score, and the temporary change to your utilization will have minimal impact to your score. If you really need to make this $2500 purchase and you have the money in the bank to pay for it, I would not recommend b... |
632 | What is the field “Folio” in an accounting book for? | [
"568501"
] | [
"It's used as a reference column: In journals folio coloumn is used to mention the reference or “address” of ledger in which the journal entry has been posted thus giving an easy access and also easily understanding whether all the entries has been posted in the relevant accounts or not."
] |
6320 | Use of free and clear houses as Collateral | [
"435170"
] | [
"\"Any sensible lender will require a lean lien against your formerly-free-and-clear property, and will likely require an appraisal of the property. The lender is free to reject the deal if the house is in any way not fitting their underwriting requirements; examples of such situations would be if the house is in a... |
6325 | Should I open a credit card when I turn 18 just to start a credit score? | [
"79049",
"165619",
"135807",
"339724",
"534702",
"277590",
"300489",
"262733",
"517050",
"504293",
"428910"
] | [
"Yes, it is a very good idea to start your credit history early. It sounds like you have a good understanding of the appropriate use of credit, as a substitute for cash rather than a supplement to income. As long as you keep your expenses under control and pay off your card each month, I see no problems with the ... |
6326 | Are companies like EquityZen legitimate and useful? | [
"12899",
"76556"
] | [
"Full disclosure: I’m an intern for EquityZen, so I’m familiar with this space but can speak with the most accuracy about EquityZen. Observations about other players in the space are my own. The employee liquidity landscape is evolving. EquityZen and Equidate help shareholders (employees, ex-employees, etc.) in pri... |
6327 | Beginning investment | [
"86304",
"299284",
"214499"
] | [
"\"Your question is very broad. Whole books can and have been written on this topic. The right place to start is for you and your wife to sit down together and figure out your goals. Where do you want to be in 5 years, 25 years, 50 years? To quote Yogi Berra \"\"If you don't know where you are going, you'll end up ... |
6328 | Saving for a non-necessity | [
"231468",
"78687",
"561614",
"536098"
] | [
"Total income - mandatory spending (ie bills) = discretionary income. Make a budget and calculate how much discretionary income you have each pay period. Save some fraction of your discretionary income towards this purchase. Pull the trigger when you have enough saved. By thinking this way, you ensure that the PS... |
6329 | Separated spouse filed for SNAP benefits as single. Does this affect ability to file taxes jointly? | [
"192120"
] | [
"\"The IRS isn't going to care how you filed for benefits - they're effectively the high man on the totem pole. The agency that administers the SNAP program is the one who might care. File the 1040 correctly, and then deal with SNAP as you note. Do deal with SNAP, though; otherwise they might be in trouble if SN... |
633 | How much can you write off on a car lease through a LLC? | [
"385929"
] | [
"An expense is an expense. You can deduct your lease payment subject to some limitations, but you don't make out by having more expenses. Higher expenses mean lower profit. Is leasing better than owning? It depends on the car you'd buy. If your business doesn't benefit from flashiness of your car, then buying a... |
6331 | Do developed country equities have a higher return than emerging market equities, when measured in the latter currency? | [
"197241",
"137184",
"432283"
] | [
"Do developing country equities have a higher return and/or lower risk than emerging market equities? Generally in finance you get payed more for taking risk. Riskier stocks over the long run return more than less risky bonds, for instance. Developing market equity is expected to give less return over the long... |
6332 | Can I negotiate a 0% transaction fee with my credit card company? | [
"21576",
"61235"
] | [
"\"TL;DR summary: 0% balance transfer offers and \"\"free checks usable anywhere\"\" rarely are a good deal for the customer. 0% rate balance transfer offers (and the checks usable anywhere including payment of taxes) come with a transaction fee because the credit card company is paying off the balance on the oth... |
6333 | Need exit strategy for aging mother who owns aging rental properties, please | [
"120852"
] | [
"\"I debated whether to put this in an answer or a comment, because I'm not sure that this can be answered usefully without a lot more information, which actually would then probably make it a candidate for closing as \"\"too localized\"\". At the very least we would need to know where (which jurisdiction) she is l... |
6334 | Is it OK to use a credit card on zero-interest to pay some other credit cards with higher-interest? | [
"358445",
"344244",
"402739",
"579601",
"298908",
"10790",
"360481"
] | [
"\"Many people who do transfer a balance from one credit card to another have no clue as to what is going on and how credit cards work. If you transfer a balance from one credit card to another, you are charged a fee of anywhere from 3% upwards (subject to a minimum of $10 or so) up front. If Credit Card A has bala... |
6337 | Is it ok to have multiple life time free credit cards? | [
"349303",
"113167"
] | [
"Do you need it? It doesn't sound like it - you seem to be able to manage with just the cards you have. Will it hurt anything? Probably not either, unless it entices you to spend more than you make. Another downside might be that you would spend more than you normally would just to have activity on every card. So... |
6338 | Is there a good options strategy that has a fairly low risk? | [
"187214",
"95415",
"56196",
"336011",
"199642"
] | [
"Check out this site: http://www.m-x.ca/produits_options_actions_en.php (Under the Trading Strategies). If you have a background in math or eco or are comfortable with graphs, I suggest you graph the payoffs of each of these strategies. It will really help you understand it. If you need help with this, let me kn... |
6339 | How can I investigate historical effect of Rebalancing on Return and Standard Deviation? | [
"134345",
"355738",
"434014",
"36284"
] | [
"\"Do not reinvent the wheel! Historical data about stock market returns and standard deviations suffer from number of issues such as past-filling and mostly survivorship bias -- that the current answers do not consider at all. I suggest to read the paper \"\"A Century of Global Stock Markets\"\" by Philippe Jorion... |
634 | Is there a difference between managerial accounting and financial accounting? | [
"374258"
] | [
"\"From Wikipedia: Managerial accounting is used primarily by those within a company or organization. Reports can be generated for any period of time such as daily, weekly or monthly. Reports are considered to be \"\"future looking\"\" and have forecasting value to those within the company.** Financial accoun... |
6340 | Is there an advantage to keeping a liquid emergency fund if one also has an untapped line of credit? | [
"333334",
"598272",
"108978",
"570632",
"324680",
"355477"
] | [
"\"People treat an emergency fund as some kind of ace-in-the-hole when it comes to financial difficulty, but it is only one of many sources of money that you can utilize. What is an emergency? First, you have to define what an emergency is. Is it a lost job? Is it an unplanned event (pregnancy, perhaps)? Is it a... |
6343 | How to avoid getting back into debt? | [
"504709",
"161534",
"521987",
"547246",
"112949",
"429065",
"224835",
"328295",
"345296"
] | [
"Draw up a budget and see where most of you expenses go to. See if you can cut any not essential expenses. If this doesn't help much you will need to increase your income. Ways to do this without going into debt may be to get a job, ask your parents for money, sell some of your non essential things, tutor fellow s... |
6345 | How to find an optimum linear combination of various investments? | [
"372381"
] | [
"\"You're talking about modern portfolio theory. The wiki article goes into the math. Here's the gist: Modern portfolio theory (MPT) is a theory of finance that attempts to maximize portfolio expected return for a given amount of portfolio risk, or equivalently minimize risk for a given level of expected return, by... |
6346 | Is person-person lending/borrowing protected by law? | [
"276839",
"365597",
"222458"
] | [
"\"By protected you mean what exactly? In the US, generally you'd get a promissory note signed by B saying \"\"B promises to repay A such and such amount on such and such terms\"\". In case of default you can sue in a court of law, and the promissory note will be the evidence for your case. In case of B declaring b... |
6349 | What is the best way to get cash from my retirement accounts for a home down payment? | [
"340113",
"21457",
"511317"
] | [
"You can withdraw the contributions you made to Roth IRA tax free. Any withdrawals from Roth IRA count first towards the contributions, then conversions, and only then towards the gains which are taxable. You can also withdraw up to $10000 of the taxable portion penalty free (from either the Traditional IRA or the ... |
635 | How to register LLC in the US from India? [duplicate] | [
"344928"
] | [
"\"Wyoming is a good state for this. It is inexpensive and annual compliance is minimal. Although Delaware has the best advertising campaign, so people know about it, the reality is that there are over 50 states/jurisdictions in the United States with their own competitive incorporation laws to attract investment ... |
6350 | Snowball debt or pay off a large amount? | [
"117937",
"202983",
"198428",
"256323",
"199248",
"117602",
"584590",
"544858",
"220241",
"388095"
] | [
"There are some calculators that you can use to figure out the best approach, such as this one by CNN. But in general the rule of thumb tends to be the following: For the purposes of the Best Buy card, I would put it up there at number one so you don't get hit with the deferred interest. No point in giving them mor... |
6353 | Does home equity grow with the investment put into the house? | [
"497927",
"546187",
"547636",
"69213"
] | [
"The bank I work with would be more inclined to expand an existing HELOC rather than write a new one. I think that would be your best bet if you decide to continue borrowing against your home. Consider that your own income would have to support the repayment of these larger homes. If it is, why didn't you buy a lar... |
6356 | Credit card closed. Effect on credit score (USA) | [
"312618",
"522734",
"293363",
"220032"
] | [
"\"There are two factors in your credit score that may be affected. The first is payment history. Lenders like to see that you pay your bills, which is the most straightforward part of credit scores IMO. If you've actually been paying your bills on time, though, then this should still be fine. The second factor is ... |
6357 | Possibility to buy index funds and individual funds in a Canadian TFSA | [
"458635"
] | [
"\"This page from the CRA website details the types of investments you can hold in a TFSA. You can hold individual shares, including ETFs, traded on any \"\"designated stock exchange\"\" in addition to the other types of investment you have listed. Here is a list of designated stock exchanges provided by the Depar... |
6358 | Should I pay off my 401k loan or reinvest the funds elsewhere? | [
"313923",
"249006"
] | [
"Pay the 401(k) loan back as soon as possible. To be clear, the money from your 401(k) loan is no longer invested and working for you. It doesn't make sense to pull money out of your 401(k) investments and then invest it in something else. If you want to invest for retirement, pay back the loan and invest that mon... |
6361 | How can home buying be considered a sound investment with all of that interest that needs to be paid? | [
"109938",
"187724",
"422712",
"187590",
"408755"
] | [
"\"I'm going to start with your title question: How can home buying be considered a sound investment with all of that interest that needs to be paid? If taken literally, this is a loaded question because if you pay cash for a home, you don't pay any interest. Furthermore, if your interest rate is 3% for 10 years yo... |
6363 | What return are you getting on your money from paying down a mortgage on a rental property? | [
"196455",
"116930",
"409207"
] | [
"\"This is a great question, considering that all of your expenses including PITA, Maintenance, etc. are paid by a tenant, your cash flow is $0. Most people would stop and assume your investment is not performing and your only chance at making money is through appreciation. Your question eliminates appreciation so ... |
6364 | What exactly do fund managers of index trackers do? | [
"501153"
] | [
"\"From How are indexes weighted?: Market-capitalization weighted indexes (or market cap- or cap-weighted indexes) weight their securities by market value as measured by capitalization: that is, current security price * outstanding shares. The vast majority of equity indexes today are cap-weighted, including ... |
6368 | Home sale: No right to terminate? | [
"234161"
] | [
"The most likely reason for this is that the relocation company wants to have a guaranteed sale so as to get a new mortgage in the new location. Understand that the relocation company generally works for a prospective employer. So they are trying to make the process as painless as possible for the homeowner (who ... |
637 | How can a company charge a closed credit card? | [
"181697",
"162684",
"156326"
] | [
"If this is a pre-authorized automatic billing, and if you have signed any contract with the merchant, cancelling may not block any future charges from the merchant. Happens with gyms, magazines, memberships quite often. There is a time period after the cancellation this will occur, then it'll be completely dead.... |
6375 | Didn't apply for credit card but got an application denied letter? | [
"115712",
"163016",
"197093",
"75493",
"538217",
"123601",
"588026"
] | [
"fine because the application was declined anyway. No it isn't fine. Credit card applications generally need a hard pull, so get it rectified. Firstly check if an application was really made on your behalf. Some companies use this ploy to pull you into a scheme of making you apply for a credit card. Secondly call u... |
6377 | Best way to invest money as a 22 year old? | [
"599757",
"241433",
"260677",
"133517",
"269384"
] | [
"What is the goal of the money? If it is to use in the short term, like savings for a car or college, then stick it in the bank and use it for that purpose. If you really want this money to mean something, then in my opinion you have only one choice: Open a ROTH IRA with something like Vanguard or Fidelity and in... |
6378 | What are the advantages of a Swiss bank account? | [
"514886",
"508734",
"114900",
"584132"
] | [
"A lot of Americans have used Swiss bank accounts to avoid paying taxes. However recently several large Swiss banks have started disclosing the details on some of their customers to the IRS. There isn't much security in Swiss banking at this point in time.",
"\"This doesn't answer your question, but as an aside, ... |
638 | How long does a bank's “Know Your Customer” (KYC) process typically take? | [
"192366"
] | [
"The idea is to positively identify you with properly issued government ID. If you show up with your passport, visa, and another form of government-issued identification which the banker can recognize and use (for example - international driver's license, a US-State driver's license, EU internal ID, etc) - it will ... |
6381 | Did my salesman damage my credit? What can I do? | [
"59352",
"239061",
"505181",
"154237"
] | [
"This shows the impact of the inquiries. It's from Credit Karma, and reflects my inquiries over the past two years. In my case, I refinanced 2 properties and the hit is after this fact, so my score at 766 is lower than when approved. You can go to Credit Karma and see how your score was impacted. If in fact the fir... |
6384 | Will I be able to purchase land? | [
"94831",
"257980"
] | [
"If there is land for sale, you can buy it. The United States doesn't have many restrictions on the purchase of land. However, you need to be able to afford it. Dependent on where you are looking $20,000 can either be a lot or very little land, I suspect that the question you were looking to ask is 'can I afford it... |
6385 | Is candlestick charting an effective trading tool in timing the markets? | [
"355871",
"55002",
"204297",
"291006",
"593521",
"288848"
] | [
"\"I am strongly skeptical of this. In fact, after reading your question, I did the following: I wrote a little program in python that \"\"simulates\"\" a stock by flipping a coin. Each time the coin comes up heads, the stock's value grows by 1. Each time the coin comes up tails, the stock's value drops by 1. I t... |
6387 | What factors make someone buy or sell a stock? | [
"554996",
"58009",
"217837"
] | [
"\"First, note that a share represents a % of ownership of a company. In addition to the right to vote in the management of the company [by voting on the board of directors, who hires the CEO, who hires the VPs, etc...], this gives you the right to all future value of the company after paying off expenses and debts... |
6388 | Can someone explain how government bonds work? | [
"101580"
] | [
"\"The short of it is that bonds are valued based on a fundamental concept of finance called the \"\"time value of money\"\". Stated simply, $100 one year from now is not the same as $100 now. If you had $100 now, you could use it to make more money and have more than $100 in a year. Conversely, if you didn't inves... |
6389 | How should I handle student loans when leaving University and trying to buy a house? | [
"479213",
"448791"
] | [
"\"Concise answers to your questions: Depends on the loan and the bank; when you \"\"accelerate\"\" repayment of a loan by applying a pre-payment balance to the principal, your monthly payment may be reduced. However, standard practice for most loan types is that the repayment schedule will be accelerated; you'll p... |
639 | Sage Instant Accounts or Quickbooks? | [
"78117",
"391841"
] | [
"The company I work with uses Intuit QuickBooks Online and have had zero problems with it. The functionality is effective and it fits the size of our company as well. (Not huge, but I wouldn't consider it a 'small business') Also, you can try a 30 day free trial. QuickBooks Simple Start focuses on small business ac... |
6390 | Would open source credit score formulas be feasible? | [
"391538",
"132743"
] | [
"Has this already occurred, if not: why? What are the road blocks? I think it's just that the barriers to entry are rather high. Lenders would potentially be interested in a new score if it demonstrably saved them money (by more effectively weeding out risky borrowers), but because the FICO score already exists an... |
6394 | Why there's always a very huge volume of trades for AAPL every day before market close? | [
"227192"
] | [
"\"A huge amount of money in all financial markets is from institutional investors, such as mutual funds, government pension plans, sovereign wealth funds, etc. For various reasons these funds do all of their trading at the end of the day. They care primarily that their end-of-day balances are in line with their ... |
6397 | What is the effect of dividends on the futures price of an index | [
"59714"
] | [
"A futures contract is based upon a particular delivery date. In the case of a stock index futures contract is a cash settled futures contract based upon the stock index value at a particular point in time (i.e. this is when the final settlement is determined). In your example, the S&P 500 (SPX) is a price return ... |
6399 | How is Butterfly Trade Strategy good if the mid Strike price is already past? | [
"240023"
] | [
"One way to look at a butterfly is to break it into two trades. A butterfly is actually made up of two verticals... One is a debit vertical: buy 490 put and sell the 460 put. The other is a credit vertical: sell a 460 put and buy a 430 put. If someone believes Apple will fall to 460, that person could do a few th... |
64 | 1040 Schedule A Un-Reimbursed Business Expense Reporting | [
"391619"
] | [
"It would be unusual but it is possible that the expenses could be very high compared to your income. The IRS in pub 529 explains the deduction. You can deduct only unreimbursed employee expenses that are: Paid or incurred during your tax year, For carrying on your trade or business of being an employee, and Ordina... |
640 | Asset protection: When should an individual seriously consider shielding their assets? | [
"100655"
] | [
"\"If your meaning of \"\"asset protection\"\" is buying gold and canned food in the name of a Nevada LLC because some radio guy said so, bad idea. For a person, if you have assets, buy appropriate liability limits with your homeowner/renter insurance policy or purchase an \"\"umbrella\"\" liability policy. This ty... |
6401 | How is the time-premium on PUT options calculated | [
"16292",
"265503"
] | [
"I asked a friend and he gave me a good explanation, so I'm just gonna paste it here for others: There is a simple and a complex answer depending on how much you want to understand the pricing dynamic of options. LEAPs don't react 1:1 with a stock move because the probability of your option being in the money at e... |
6402 | How to calculate how far a shorted stock's price can rise before broker issues a margin call? | [
"469830",
"331606"
] | [
"Most brokers have a margin maintenance requirement of 30%. In your example, it would depend on how much money you're borrowing from your broker on margin. Consider this: You have $250, and short AAPL at $500 on margin. This would be a common scenario (federal law requires investors to have at least 50% of their m... |
6403 | How does an index rearrange its major holdings | [
"587516",
"87261"
] | [
"An index will drop a company for several reasons: A fund decides how close they want to mirror the index. Some do so exactly, others only approximate the index.",
"S & P Index Announcements would have notes on when there are changes to the index. For example in the S & P Small-cap 600 there is a change that ta... |
6405 | How an ETF reinvests dividends | [
"480808",
"384607",
"152014"
] | [
"Let me answer by parts: When a company gives dividends, the share price drops by the dividend amount. Not always by that exact amount for many different reasons (e.g. there are transaction costs if you reinvest, dividend taxes, etc). I have tested that empirically. Now, if all the shareholders choose to reinvest ... |
6406 | Looking at Options Liquidity: what makes some stocks so attractive for options traders? | [
"291327",
"139089"
] | [
"Option liquidity and underlying liquidity tend to go hand in hand. According to regulation, what kinds of issues can have options even trading are restricted by volume and cost due to registration with the authorities. Studies have shown that the introduction of option trading causes a spike in underlying trading.... |
6407 | Is it legal to sell my stock at any specified price to a specified person in US Market? | [
"598607"
] | [
"So I want to sell my 100 shares of AAPL to him at a price of 10 or even 1 US Dollar. Is that legal/allowed? Of course. It's your stocks - do with it what you want. if the two persons are not served by a same broker. You'll have to talk to your broker about the technicalities of the transaction. if the person who... |
6411 | How often does a stock price change and where is this defined? | [
"567531"
] | [
"\"Stocks prices are determined whenever a buyer and seller agree to trade at a given price. The company (you use AAPL as an example) doesn't set its own stock price. Rather, the investors set the price every time it trades. There's no \"\"official\"\" price -- just the last trade. Likewise, you can offer to trade ... |
6412 | I received a share of Apple stock. Now what? | [
"301552"
] | [
"Congratulations! You own a (very small) slice of Apple. As a stockholder, you have a vote on important decisions that the company makes. Each year Apple has a stockholder meeting in Cupertino that you are invited to. If you are unable to attend and vote, you can vote by proxy, which simply means that you regist... |
6413 | How do dividend reinvestment purchases work? | [
"549441",
"432805",
"239502",
"595796"
] | [
"Many brokers administer their own dividend reinvestment plans. In this case, on dividend payment date, they automatically buy from the market on behalf of their reinvestment customers, and they administer all fractional shares across all customers. All of your shares are in the broker's street name anyway, the f... |
6415 | What is down -34% in stock terms? | [
"89628"
] | [
"\"The sentence is mathematically wrong and verbally unclear. Mathematically, you calculate the downwards percentage by So, it should be Verbally, the reporter should have written \"\"The stock is down by 25%\"\", not \"\"down by -25%\"\".\""
] |
6416 | Which Earnings Figure for Graham's “Stock Selection for the Defensive Investor”? | [
"158063"
] | [
"\"In the Income Statement that you've linked to, look for the line labeled \"\"Net Income\"\". That's followed by a line labeled \"\"Preferred Dividends\"\", which is followed by \"\"Income Available to Common Excl. Extra Items\"\" and \"\"Income Available to Common Incl. Extra Items\"\". Those last two are the on... |
6417 | U.S. stock sales- tax on sale for NR Canadian | [
"182374"
] | [
"If you're a non resident then you owe no capital gains tax to Canada. Most banks won't let you make trades if you're a non-resident. They may not have your correct address on file so they don't realize this. This is not tax law but just OSC (or equivalent) regulations. You do have to fill out paperwork for withh... |
6418 | Options profit calculation and cash settlement | [
"388362",
"166307",
"249185"
] | [
"\"The other two answers seem basically correct, but I wanted to add on thing: While you can exercise an \"\"American style\"\" option at any time, it's almost never smart to do so before expiration. In your example, when the underlying stock reaches $110, you can theoretically make $2/share by exercising your op... |
6419 | Where can I find historical P/E ratios for companies? | [
"490798"
] | [
"\"The mathematics site, WolframAlpha, provides such data. Here is a link to historic p/e data for Apple. You can chart other companies simply by typing \"\"p/e code\"\" into the search box. For example, \"\"p/e XOM\"\" will give you historic p/e data for Exxon. A drop-down list box allows you to select a reportin... |
642 | What prevents interest rates from rising? | [
"180696",
"493963",
"383889",
"539320"
] | [
"A lot of loans are taken out on a fixed rate basis, so the rate is part of the contract and is therefore covered by contract law. If the loan is taken out on a variable basis then in principle the rate can rise within the terms of the contract. If a particular lender tries to raise its rates out of line with the ... |
6421 | GAAP or non-GAAP numbers in nasdaq.com? | [
"247258"
] | [
"You're interpreting things correctly, at least at a high level. Those numbers come from the 10Q filing and investor summary from Microsoft, but are provided to NASDAQ by Zacks Investment Research, as noted on the main page you linked to. That's a big investment data firm. I'm not sure why they reported non-GAAP... |
6422 | Does negative P/E ratio mean stock is weak? | [
"4290"
] | [
"P/E is the number of years it would take for the company to earn its share price. You take share price divided by annual earnings per share. You can take the current reported quarterly earnings per share times 4, you can take the sum of the past four actual quarters earnings per share or you can take some projec... |
6423 | Do stocks give you more control over your finances than mutual funds? | [
"328308",
"406920",
"254230"
] | [
"In my opinion, the ability to set a sell or buy price is the least of my concerns. Your question of whether to choose individual stocks vs funds prompts a different issue for me to bring to light. Choosing stocks that beat the market is not simple. In fact, a case can be made for the fact that the average fund la... |
6425 | Schwab wants to charge me interest on the money I received for selling TSLA short | [
"471730",
"370161"
] | [
"Brokers have the right to charge interest on any stock that they lend you. Since you borrowed the TSLA to short it, the owner of those shares can charge you interest until you return them. If you are not getting charged interest on some shares that you have borrowed to short, consider it generosity on the part of ... |
6426 | What happens to options after a stock split? | [
"501559",
"296245"
] | [
"It will be similar to what you have said -- the options price will adjust accordingly following a stock split - Here's a good reference on different scenarios - Splits, Mergers, Spinoffs & Bankruptcies also if you have time to read Characteristics & Risks of Standardized Options",
"Since you asked about Apple, a... |
6427 | How much is one “lot” of EUR/USD? | [
"390524"
] | [
"\"A lot (sometimes called a round lot) always refers to the quantity of physical good that you're getting, like a carton of eggs or a barrel of oil. The tricky thing in the case of forex is that the physical good also happens to be a currency. A spot currency product trades in the denomination on the right-hand s... |
6428 | Algorithmic trading in linux using python | [
"573708",
"186313",
"216327",
"499848"
] | [
"\"A couple options that I know of: Interactive Brokers offers a \"\"paper trading\"\" mode to its account holders that allows you to start with a pretend stack of money and place simulated trades to test trading ideas. They also provide an API that allows you to interface with their platform programmatically for r... |
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