question_id stringlengths 1 5 | question stringlengths 14 158 | pos_item_ids listlengths 1 23 | pos_item_contents listlengths 1 23 |
|---|---|---|---|
6587 | What is the purpose of the wash sale rule? | [
"399583",
"46625",
"345793",
"416789"
] | [
"In a comment on this answer you asked It's not clear to me why the ability to defer the gains would matter (since you never materially benefit until you actually sell) but the estate step up in basis is a great point! Could you describe a hypothetical exploitive scenario (utilizing a wash sale) in a little more d... |
6588 | Can PayPal transfer money automatically from my bank account if I link it in PayPal? | [
"527002",
"94915",
"147594",
"584391",
"20215",
"264932"
] | [
"I have a PayPal account that I have linked to my bank account. My PayPal balance is always $0. When I make a purchase with PayPal, PayPal will automatically withdraw the funds from my bank account to make the purchase. PayPal does not ask my permission for each purchase. I probably gave them permission to do ... |
6589 | Should I Have Received a 1099-G? | [
"312493",
"180501"
] | [
"When you itemize your deductions, you get to deduct all the state income tax that was taken out of your paycheck last year (not how much was owed, but how much was withheld). If you deducted this last year, then you need to add in any amount that you received in state income tax refunds last year to your taxes thi... |
6590 | bid & ask prices and technical indicators | [
"459052"
] | [
"If you are looking to go long (buy) you would use bid prices as this is what you will be matched against for your order to be executed and a trade to go through. If you are looking to go short (sell) you would use the ask prices as this is what you will be matched against for your order to be executed and a trade ... |
6591 | How can I find ISIN numbers for stock options? | [
"181425",
"598275"
] | [
"\"Because an equity option can be constructed at essentially any price by two willing counterparties on an exchange, there are not enough ISINs to represent the entire (i.e. infinite) option chain for even a single stock on a single expiration date. As a result, ISINs are not generated for each individual possibl... |
6592 | How to protect yourself from fraud when selling on eBay UK | [
"538707",
"435815"
] | [
"Just ship using a reputable courier (definitely not Yodel or Hermes!) that requires and obtains a surname and signature which you can view on their website (Citylink, Parcel Force to name a couple). Then remember to submit the tracking details when you mark the item as shipped on eBay. If the buyer is still brazen... |
6593 | Can you buy gift cards at grocery store to receive a higher reward rate? | [
"433993",
"441342",
"253005",
"514281",
"404833"
] | [
"If you go to a grocery store and purchase retail gift cards along with other products, and you pay with a credit card, your credit card company generally does not know what you spent the money on; they don't get an itemized receipt.* If this is the case with your rewards card, then yes, you would get the cashback ... |
6594 | Is it inadvisable to leave a Roth IRA to charity upon death? | [
"138983",
"248910"
] | [
"You need to keep in mind that there's an exemption amount of more than $5M (five million) dollars for estate tax. Unless you used all of it for gifts during your life time, it will more than cover all of your $70K estate, so there's no need in any additional planning. As to Roth vs Traditional IRA - if you want to... |
6595 | Building a Taxable Portfolio Properly | [
"519073"
] | [
"Not a bad strategy. However: If you REALLY want tax efficiency you can buy stocks that don't pay a dividend, usually growth stocks like FB, GOOGL, and others. This way you will never have to pay any dividend tax - all your tax will be paid when you retire at a theoretically lower tax rate (<--- really a grey tax a... |
6596 | What is the ticker symbol of the mini Google stock? | [
"550661"
] | [
"Google will be issuing Class C shares (under the ticker symbol GOOCV) to current GOOG holders in the beginning of April. The Class C shares and Class A shares will then change symbols, with the Class C shares trading under GOOG. This was announced on January 30th. Details are in this benzinga article: Projecte... |
6597 | Malaysian real estate: How to know if the market is overheated or in a bubble? | [
"272755",
"187525",
"368053",
"251233",
"432444"
] | [
"I am also from Malaysia and I just purchase a property around Klang Valley area. Property market is just like share market. You will never know when is the highest peak point and when is the lowest peak point. Yes. Not only you, but everyone of us. What I would say that, just buy according to your need and your fi... |
6598 | Roth vs. Whole Insurance vs. Cash | [
"261087",
"56147",
"459906",
"443903"
] | [
"\"Cash/CD's for a house downpayment = Good. Resist the urge to invest this money unless you're not planning on the house for at least 5 years. Roth IRA - Good. Amounts contributed are able to be withdrawn without tax penalties, though you would really need to be in a crisis for this to be a good idea. It's your lo... |
66 | How to treat miles driven to the mechanic, gas station, etc when calculating business use of car? | [
"397608",
"540395",
"405412"
] | [
"I contacted Stephen Fishman, J.D., the author of Home Business Tax Deductions, to let him know that this question was missing from his book. He was kind enough to send a reply. My original phrasing of the question: If your car is used for both business and personal use, and you deduct via the actual expense method... |
6601 | Negatives to increased credit card spending limit? [duplicate] | [
"119931",
"364366",
"390311",
"3468"
] | [
"The only drawback is if you spend more than you can with the new limit and end up having to pay interest if you can't pay the balance in full. Other than that, there are no drawbacks to getting a credit increase. On the flip side, it's actually good for you. It shows that the banks trust you with more credit, and... |
6602 | Is there a return-on-investment vs risk graph anywhere? | [
"190351",
"210470"
] | [
"\"There may well be several such graphs, I expect googling will turn them up; but the definition of risk is actually quite important here. My definition of risk might not be quite the same as yours, so the relative risk factors would be different. For example: in general, stocks are more risky than bonds. But own... |
6604 | What are my options to deal with Student Loan debt collectors? | [
"50395",
"256229",
"254528",
"347413",
"166522"
] | [
"Never speak to a debt collector. Ask them to stop calling you and STOP talking to them. Communicate only via postal mail. Do not react in an emotional way, do not use foul language, etc. If they call you and attempt to harass or intimidate you, note the date/time, name of the caller and nature of the call. Ask the... |
6607 | What happens to the original funds when a certified bank check is not cashed? | [
"38571"
] | [
"\"The answer probably varies with local law, and you haven't said where you're located. In most or all US states, it appears that after some statutory length of time, the bank would transfer the money to the state government, where it would be held indefinitely as \"\"unclaimed property\"\" in the name of the reci... |
6608 | If I want to take cash from Portugal to the USA, should I exchange my money before leaving or after arriving? | [
"213537",
"126565",
"362035",
"42297"
] | [
"in my experience no-cash transactions are the best deal. Take your Portuguese credit card, get some cash ($60) for emergencies. Only pay with your credit card. It's much cheaper because it's all virtual. The best would be to set up an American bank account and transfer the money there. You can also get Paypal acc... |
6609 | How is the actual trade on exchanges processed for simple stock orders? | [
"163905"
] | [
"\"The simple answer is, there are many ways for trades to take place. Some systems use order-matching software that employs proprietary algorithms for deciding the order of processing, others use FIFO structures, and so on. Some brokerages may fill customer orders out of their own accounts (which happens more fr... |
661 | Would extending my mortgage cause the terms to be re-negotiated? | [
"422770"
] | [
"Run the numbers in advance. Understand what are the current rates for an additional 2nd mortgage, what are the rates for a brand new mortgage that will cover the additional funds. Understand what they are for another lender. Estimate the amount of paperwork involved in each option (new first, new 2nd, and new len... |
6610 | As a parent of a high school student, what should my short-term cash policy be to optimize my college costs? | [
"597627"
] | [
"\"There is no simple answer to your question. It depends on many things, perhaps most notably what college your daughter ends up going to and what kind of aid you hope to receive. Your daughter will probably fill out the FAFSA as part of her financial aid application. Here is one discussion of what parental asse... |
6615 | What happens to class action awards for a stock in an IRA? | [
"166792"
] | [
"\"In most cases, if you are a member of the class the law-firm will contact you via postal mail to notify you of the class action and give you an opportunity to opt-in or opt-out of participating in any settlement that happens. More often than not, they take the opt-out approach, meaning that if you don't say you... |
6616 | Potential phishing scam? | [
"352291",
"198269"
] | [
"\"You need to talk to your bank. If you're unable to contact your bank until Monday, then wait until Monday. Don't fixate on the idea that the transaction may \"\"hard post\"\" on Monday. If it happens, it happens, but it's not the end of the world. Even if the transaction posts, it's not the end of the world. ... |
6618 | Would cross holding make market capitalization apparently more? | [
"261444",
"465542"
] | [
"I started to work out, step by step, why this doesn't work, but the scenario is too convoluted to make that helpful. Basically, you're making mistakes in some or all of the following spots:",
"Initially, Each company has 10k shares. Company B has $500k money and possibly other assets. Every company has stated p... |
6619 | Buying a mortgaged house | [
"455428",
"482963",
"66993",
"546528"
] | [
"Just as a renter doesn't care what the landlord's mortgage is, the buyer of a house shouldn't care what the seller paid, what the current mortgage is, or any other details of the seller's finances. Two identical houses may be worth $400K. One still has a $450K loan, the other is mortgage free. You would qualify f... |
6621 | How much money are you actually trading with options? | [
"428983"
] | [
"You would have paid $880.00 plus commission in this case, and made $85 before commissions. How much you would have made on expiration depends on the price that TSLA has on April 1, which hasn't come yet. If it expires worthless, you typically don't pay a commission but you will have lost the full $880. If it exp... |
6624 | Stock prices using candlesticks | [
"349518"
] | [
"\"No it does not. Candlesticks really have nothing to do with this, a stock price can open different then the previous day's close. Examining the chart of TSLA provides an example it closed on 1/18 at 238.8 it opened on 1/19 at 243.7 In candlestick parlance is is known as a \"\"gap up\"\".\""
] |
6626 | Diversify or keep current stock to increase capital gains | [
"30774"
] | [
"The biggest challenge with owning any individual stock is price fluctuation, which is called risk. The scenarios you describe assume that the stock behaves exactly as you predict (price/portfolio doubles) and you need to consider risk. One way to measure risk in a stock or in a portfolio is Sharpe Ratio (risk adju... |
663 | Are there any viable alternatives to Paypal for a small site? | [
"411542",
"346793"
] | [
"I found out about Google checkout today, it looks like it may meet my needs, but I'd still be interested to find out about other options.",
"While I've never used the service, there's also Amazon Flexible Payments Services (AFPS): (emphasis below is mine) Amazon Flexible Payments ServiceTM (Amazon FPS) is the ... |
6631 | Can I get a dividend “free lunch” by buying a stock just before the ex-dividend date and selling it immediately after? [duplicate] | [
"352415",
"206442",
"527997"
] | [
"\"Not minutes, but hours. The \"\"ex-dividend\"\" date is the deadline for acquiring a stock to receive a dividend. If you hold a stock at the beginning of this day, you will receive the dividend. So you could buy a stock right at the end of the day on the day before the ex-dividend date, and sell it the next day... |
6632 | What is S/P in “Tax Deduction S/P”? | [
"222455"
] | [
"From reading the manual, SP means summary punching. Summary punching is the automatic preparation of one total card to replace a group of detail cards."
] |
6633 | How a company in India can misuse my PAN number and its scanned copy that I provided as an interview candidate? | [
"345242"
] | [
"There is a possibility of misuse. Hence it should be shared judiciously. Sharing it with large / trusted organization reduces the risk as there would be right process / controls in place. Broadly these days PAN and other details are shared for quite a few transactions, say applying for a Credit Card, Opening Bank ... |
6634 | Why won't my retirement account let me write a “covered put”? | [
"383016",
"138201",
"562964",
"420891"
] | [
"You're correct in your implied point: Selling a cash secured put has less risk (in terms of both volatility and maximum loss) than buying the security outright. However, many brokerages don't allow cash-secured put writing in IRA accounts. There are three reasons this tends to be the case:",
"A broker does not... |
6636 | Please explain: What exactly is a CDS or “Credit Default Swap”? | [
"159828",
"230646",
"140049"
] | [
"\"From my understanding, a CDS is a financial product to buy protection against an event of \"\"default\"\" (default of payment). Example: if General Motors owes me money $10,000,000 (because I own GM bonds for example) and I wish to protect myself against the event of GM not repaying the money they owe me (event ... |
6637 | What is a negotiable security and how are they related to derivatives? | [
"392069",
"52734",
"163119"
] | [
"\"As Dheer pointed out, Wikipedia has a good definition of what a negotiable instrument is. A security is an instrument or certificate that signifies an ownership interest in something tangible. 1 share of IBM represents some small fraction of a company. You always have the ability to choose a price you are willi... |
6639 | What does net selling or buying of a stock mean? | [
"389329",
"229573",
"599523"
] | [
"Consider the mechanic which actually drives the 'price' of a stock. In simplest terms, the 'price' of a stock is the price at which the most recent trade occurred. ie: if the price of IBM is $100/share, that means the last time someone bought IBM stock, they paid $100. Above and below the 'spot price', are dozens/... |
664 | How do I report book royalties for tax purposes? | [
"435405"
] | [
"\"(Insert the usual disclaimer that I'm not any sort of tax professional; I'm just a random guy on the Internet who occasionally looks through IRS instructions for fun. Then again, what you're doing here is asking random people on the Internet for help, so here goes.) The gigantic book of \"\"How to File Your Inco... |
6641 | Which shareholders cause news-driven whole market stock swings? | [
"484105",
"251198"
] | [
"The people who cause this sort of sell-off immediately are mostly speculators, short-term day-traders and the like. They realize that, because of the lowered potential for earnings in the future, the companies in question won't be worth as much in the future. They will sell shares at the elevated price, including ... |
6643 | What is street-side booking? | [
"550570",
"395357"
] | [
"\"This is a technical term referring to the \"\"double entry\"\"-styled book keeping of trades by brokers. Suppose a client executes a buy order with their broker. The broker's accounting for this \"\"trade\"\" will be recorded as two different \"\"deals\"\" : One \"\"deal\"\" showing the client as buyer and the ... |
6649 | In which country can I set up a small company so that I pay a lower rate of corporate tax? | [
"133356",
"278793"
] | [
"\"There are countries out there that are known as tax havens, where they offer companies low or no taxes on earned revenue. I haven't looked into this in over a decade, but recall that countries like the Cayman Islands, Switzerland, Ireland, and Nauru, to name a few fit that tag. But like bstpierre stated, there's... |
6650 | Potential pitfalls of this volume trading strategy | [
"406938",
"90372",
"511875"
] | [
"\"First challenge: Creating a system which can understand written English well enough to read the news. Nothing short of IBM's Watson has proven very good at extracting meaning from unstructured text. Second challenge: By the time it reaches \"\"the news\"\", the big actors already know and have responded. Third c... |
6655 | When are equal-weighted index funds / ETFs preferable to market-cap-weighted funds? | [
"578625",
"372233",
"25207",
"98978"
] | [
"In market cap weighted index there is fairly heavy concentration in the largest stocks. The top 10 stocks typically account for about 20% of the S&P 500 index. In Equal Weight this bias towards large caps is removed. The Market Cap method would be good when large stocks drive the markets. However if the markets a... |
6656 | What's are the differences between “defined contribution” and “defined benefit” pension plans? | [
"12614",
"460905",
"420511",
"436897"
] | [
"Defined Benefit - the benefit you receive when you retire is defined e.g. $500 a month if you retire at age 65. It is up to the plan administrators to manage the pension fund, and ensure that there is enough money to cover the benefits based on the life expectancy of the retiree. Defined Contribution - the amount ... |
6658 | ADR vs Ordinary shares | [
"542590"
] | [
"\"There are basically two different markets for ADRs and ordinary shares. 1) The American market, 2) the \"\"local\"\" market. The following is not true for most stocks in \"\"developed\"\" markets. But it is often true that the American market (for ADRs) is far more liquid than the local market for ordinary share... |
666 | 183 day rule in conjunction with expatriate | [
"483704"
] | [
"\"There's no \"\"183 days\"\" rule. As a US citizen you must pay taxes on all your income, where you live is irrelevant.\""
] |
6661 | Can I rollover an “individual retirement annuity” to an IRA? | [
"362066",
"349852"
] | [
"\"You are not allowed to take a retirement account and move it into the beneficiary's name, an inherited IRA is titled as \"\"Deceased Name for the benefit of Beneficiary name\"\". Breaking the correct titling makes the entire account non-retirement and tax is due on the funds that were not yet taxed. If I am mist... |
6663 | Why don't SPY, SPX, and the e-mini s&p 500 track perfectly with each other? | [
"569565",
"322826",
"479461",
"355548",
"292865"
] | [
"\"I thought the other answers had some good aspect but also some things that might not be completely correct, so I'll take a shot. As noted by others, there are three different types of entities in your question: The ETF SPY, the index SPX, and options contracts. First, let's deal with the options contracts. You... |
6664 | What is the difference between a stop order and a stop limit order? | [
"167151",
"554997"
] | [
"Stop order is shorter term for stop-loss order. The point being that is intended as a protective measure. A buy stop order would be used to limit losses when an investor has sold a stock short. (Meaning that they have borrowed stock and sold it, in hopes that they can take advantage of a decline in the stock's ... |
6665 | What rules govern when a new option series is issued? | [
"398012",
"176786"
] | [
"The CBOE Rule Book, Section 5.5 explains exactly what programmes are available, how and when they will start listing and expire. The super-concise summary is: It's a per-underlying decision process, though there's some rules that may provide you with a minimum set of options (e.g. the quarterly programme on highly... |
6666 | Who determines, and how, the composition of the S&P 500 index? | [
"346924",
"30373"
] | [
"\"The S&P 500 index is maintained by S&P Dow Jones Indices, a division of McGraw Hill Financial. Changes to the index are made periodically, as needed. For Facebook, you'll find it mentioned in this December 11, 2013 press release (PDF). Quote: New York, NY, December 11 , 2013 – S&P Dow Jones Indices will make t... |
6669 | Historical share price at exact day and time | [
"397212",
"466255",
"560108"
] | [
"On 2012/05/18 at 15:34:00 UTC (11:34:00 EDT) FB was in chaos mode. The most recent public US trade at that moment was at $40.94, but in the next one second (i.e. before the clock hit 15:34:01) there were several dozen trades as low as $40.76 and as high as $41.00. On 2012/05/30 at 17:21:00 UTC (13:21:00 EDT) the ... |
6670 | Is selling put options an advisable strategy for a retiree to generate stable income? | [
"460353",
"586502",
"92670",
"488145",
"454650",
"276314",
"3062"
] | [
"No. In good years, the income seems free. In a down year, particularly a bad one, the investor will be subject to large losses that will prove the strategy a bad one. On the other hand, one often hears of the strategy of selling puts on stock you would like to own. If the stock rises, you keep the premium, if it... |
6673 | Why do investors buy stock that had appreciated? | [
"69487",
"286494",
"122401",
"371129",
"186453",
"404529",
"428117"
] | [
"For the same reason you wanted it when you bought it. No-one guarantees that you'll be able to sell the stock you hold, and in fact many people get stuck with stocks they'd like to sell, but no-one is buying. But if investors think there's a profit potential that is not exhausted yet - they'll want to buy the stoc... |
6677 | Is stock in a company considered a good or a service, or something else? | [
"378400",
"278538",
"509436"
] | [
"Well it depends on whether or not your differentiating against. If its capital stock or stock as in a share certificate in the company. If its a share in the company then in my opinion using Equity would be best as it is a form of an asset and does refer to a piece of ownership of the entity. I wouldn't consider a... |
6678 | Can I participate in trading Facebook shares on their IPO day from any brokerage? | [
"34318",
"22263",
"200894"
] | [
"Any retail equity brokerage will give you access to the NYSE, and thus Facebook shares as they become available. However, it is important to note that you nor any retail investor will be able to purchase FB at the IPO prices ($33-38 IIRC). The only people who will be able to buy in at that price are the underwri... |
6680 | Merchant dispute with airline over changed itinerary | [
"472524"
] | [
"\"Are you on Twitter? If so, the first thing I'd do is tweet this question to @Orbitz and/or @AmericanAir (AA). I'll edit it to be a bit nicer english-wise. Tweeting (or Facebooking or Instgramming or ...) is one of the most effective ways to get customer service in 'edge' cases. Explain your case in a nice, tig... |
6682 | Can you explain this options calls & puts quote table to me? | [
"120611"
] | [
"(Note: I am omitting the currency units. While I strongly suspect it's US$ I don't know from the chart. The system works the same no matter what the currency.) A call or a put is the right to sell (put) or buy (call) shares at a certain price on a certain day. This is why you see a whole range of prices. Not al... |
6685 | Option Trading / Demo Account | [
"465380",
"206756"
] | [
"\"In real life, you'd see spreads like AMZN 04/13/2017 910.00 C 4.90 +1.67 Bid: 4.75 Ask: 5.20 (with AMZN @ $897 right now) and the fill you'd get on the buy side would be closer to the ask. i.e. I'd offer $5.00 and hope that it filled. Filling a $4 bid when ask is $8 isn't likely unless the stock blipped down en... |
6688 | Why is short-selling considered more “advanced” than a simple buy? | [
"209359",
"39265",
"35102"
] | [
"When you short a stock, you can lose an unlimited amount of money if the trade goes against you. If the shorted stock gaps up overnight you can lose more money than you have in your account. The best case is you make 100% if the stock goes to zero. And then you have margin fees on top of that. With long positions,... |
669 | Reporting software subscriptions | [
"183500"
] | [
"Generally prepaid services should be capitalized over the period prepaid. But if it is up to a year - you can just expense them. As to the technicalities - you can contact Intuit support, but you should be able to put it in the same area where you put all your other business expenses. If you're a sole proprietor -... |
6691 | Who gets how many shares when an IPO is oversubscribed? | [
"417506"
] | [
"A broker will only get so many shares for any IPO. They will give their highest profit customers priority, but try to keep the smaller ones happy as well. So where my TWTR order today was for 1000 shares, I actually was granted 100. In the dotcon* bubble of the late 90's, there were some stocks I saw as many as 1... |
6692 | Why do some stocks have a higher margin requirement? | [
"104916",
"358129"
] | [
"It is a question of how volatile the stock is perceived to be, its beta correlation to the S&P500 or other index. Margin requirements are derived from the Federal Reserve, Self Regulatory Organizations, the exchange itself, the broker you use, and which margining system you are using. So that makes this a loaded q... |
6693 | Starter Enterprising Investor | [
"566601"
] | [
"The steps you outlined are fine by themselves. Step 5, seeking criticism can be less helpful than one may think. See stocktwits.com There are a lot of opposing opinions all of which can be correct over different time-frames. Try and quantify your confidence and develop different strategies for different confide... |
6695 | Home office deduction using simplified method & expensing of non-permanent office modification? | [
"418480"
] | [
"\"Yes, you may deduct the cost of building the \"\"noise cancellation system\"\" :) sorry couldn't resist. But seriously, yes you can deduct it ONCE (unless you have more cost maintaining it) and its on line 19 (Repairs and maintenance) of IRS Form 8829.\""
] |
6696 | Will Short Sale Prevent Me From Getting VA Home Loan Later? | [
"92659"
] | [
"From MyFICO: A foreclosure remains on your credit report for 7 years, but its impact to your FICO® score will lessen over time. While a foreclosure is considered a very negative event by your FICO score, it's a common misconception that it will ruin your score for a very long time. In fact, if you keep all of your... |
6697 | Do other countries have the equivalent of Australia's Negative Gearing? | [
"369419",
"532430"
] | [
"\"I would say similar rules apply in the US. If you have a net loss from rental property, you certainly can claim that loss against your personal income. There are various rules around this though that make it a bit less clear cut. If you are a \"\"real estate professional\"\", which basicly means you spend at l... |
6698 | Can I get my property taxes lowered? | [
"215647",
"181200",
"75127"
] | [
"There is no relationship between the government appraisal and the mortgage appraisal. The loan appraisal is done by a lender to determine if the property value is in agreement with the loan amount. The government appraisal is done to determine how much to charge you in taxes. They use the values of residences and... |
6699 | Is it beneficial to convert non-investment real estate to rental if I need to make major repairs? (USA/Missouri) | [
"320579",
"588479"
] | [
"\"I think you may have a significant misunderstanding here. You have been renting your property out for two years, now. There is no special \"\"roommate\"\" clause in the tax code; roommates are renters, and the rent they pay is rental income. (If they were roommates in a property you both rented from a third p... |
67 | value of guaranteeing a business loan | [
"370815",
"294864",
"18792",
"511571"
] | [
"The guarantee's value to you is whatever you have to pay to get the guarantee, assuming that you don't decide it's too expensive and look for another guarantor or another solution entirely. How much are you willing to pay for this loan, not counting interest and closing costs? That's what it's worth. See past answ... |
670 | Can you lease a secondary residential apartment for a job in NYC, and declare it as expense in tax return? | [
"55200"
] | [
"As I understand it... Generally housing can't be considered a business expense unless taken at your employer's explicit direction, for the good of the business rather than the employee. Temporary assignment far enough from you home office that commuting or occasional hotel nights are impractical, maybe. In other... |
6700 | Evidence For/Against Real Estate Investing Vis-a-vis Investing in ETFs | [
"6356"
] | [
"Real Estate potentially has two components of profit, the increase in value, and the ongoing returns, similar to a stock appreciating and its dividends. It's possible to buy both badly, and in the case of stocks, there are studies that show the typical investor lags the market by many percent. Real estate is no... |
6701 | Townhouse or stand-alone house for a first home? | [
"491682",
"127830",
"498417",
"461042"
] | [
"First, some general advice that I think you should consider A good rule of thumb on home buying is to wait to buy until you expect to live in the same place for at least 5 years. This period of time is meant to reduce the impact of closing costs, which can be 1-5% of your total buying & selling price. If you bough... |
6702 | Buying a more expensive house as a tax shelter (larger interest deduction)? | [
"580292",
"245974",
"580809"
] | [
"No. This logic is dangerous. The apples to apples comparison between renting and buying should be between similar living arrangements. One can't (legitimately) compare living in a 600 sq ft studio to a 3500 sq ft house. With the proposal you offer, one should get the largest mortgage they qualify for, but that c... |
6705 | I am moving to a new city. How do I plan and prepare - financially - for the move? | [
"500669",
"584322"
] | [
"Some of the costs you might incur include:",
"Utilities and cost of living vary from city to city but maybe not that much. For basic planning purposes you can probably figure to spend as much as you are now, maybe a little more. And adjust as needed when you get there. (And adjust if, for example, you're movi... |
6707 | Explain: “3% annual cost of renting is less than the 9% annual cost of owning” | [
"334470",
"532667"
] | [
"The 3% and 9% figures are based on the cost of borrowing money and all the other ownership costs associated with real estate. From the same article: http://patrick.net/housing/crash1.html Because it's usually still much cheaper to rent than to own the same size and quality house, in the same school district. In... |
671 | Does the low CAD positively or negatively impact Canadian Investors? | [
"148208",
"277482",
"213373"
] | [
"If you buy US stocks when the CAD is high and sell them when the CAD is lower you will make a currency gain on top of any profit or loss from the stock investments. If you buy US stocks when the CAD is low and sell when the CAD is higher any profits from gains from the stock investment will be reduced and any loss... |
6711 | Is my mother eligible for SNAP? | [
"692"
] | [
"If she lives by herself, my guess would be that she qualifies as a household of one. Either way, her monthly income is below the threshold, so she should be eligible. Per the linked website The only way to determine if your household is eligible for SNAP benefits is to apply. I'd say it's worth a try."
] |
6716 | Is there any downside snapping a picture (or scanning a copy) of every check one writes vs. using a duplicate check? | [
"497370",
"93397",
"544949"
] | [
"\"For me, the main benefit of using duplicate checks is that the copy is created automatically. If I had to take an extra step, whether taking a photo or writing on a stub, I would probably not always remember to do it. There is also the issue that you might need to write a check when you don't have your smartph... |
6717 | Would I qualify for a USDA loan? | [
"120156",
"321189",
"310120",
"425651",
"516444",
"29271",
"592780",
"104644"
] | [
"IMHO you are in no position to buy a home. If it was me, I'd payoff the student loans, pay off the car, get those credit card balances to zero (and keep them there), and save up at least 10K (as an emergency fund) before even considering buying a home. Right now you have no wiggle room. A relatively minor issu... |
6719 | Debit cards as bad as credit cards? | [
"477932",
"516608",
"545136",
"165995",
"102340",
"308970",
"132636"
] | [
"\"It's a real pain in the rear to get cash only from a bank teller (the end result of cutting the card as suggested). There is a self control issue here that, like weight loss, should ultimately be addressed for a psychologically healthy lifestyle. You don't mention a budget here. A budget is one of the first tool... |
6720 | What happens to people without any retirement savings? | [
"40821",
"508972",
"311931",
"404102",
"207643",
"323089"
] | [
"\"I'm afraid you have missed a few of the outcomes commonly faced by millions of Americans, so I would like to take a moment to discuss a wider range of outcomes that are common in the United States today. Most importantly, some of these happen before retirement is ever reached, and have grave consequences - yet a... |
6724 | How could I find someone to find a room for me to live in? (For a fee, of course.) | [
"109132",
"88396"
] | [
"Many colleges have offices that can help students find off campus housing. They will have information about rooms being let by families, and about houses being shared by groups of students. The biggest issue is that many of the best places were filled months ago. With only a month to go before classes start time i... |
6725 | Is laminate flooring an “Improvement” or “Depreciable Property”? | [
"541713"
] | [
"\"Aesthetics aside, laminate floor is attached to the floor and as such is a part of the building. So you depreciate it with the building itself, similarly to the roof. I believe the IRS considers these permanently attached because the foam itself is permanently attached, and is a part of the installation. To the ... |
6726 | I am looking for software to scan and read receipts | [
"335575",
"117640",
"270540"
] | [
"NeatReceipts come up from time to time on woot.com. You can read up on the discussions which typically include several user testimonials at these past sales:",
"Try the following apps/services: Receipt Bank (paid service, gathers paper receipts, scans them and processes the data), I've tested it, and it recogn... |
6728 | Rental Properties: Is it good or bad that I can't find rental listings on that street? | [
"239820",
"163724"
] | [
"Finding Zero is the expected result of your Craigslist check. You will have to do a lot more research. A local agent can help you determine the number of days they stay on the market before they are rented. They can also help determine the spread between purchase costs and rental cost. You will also have to figure... |
6729 | What to do with old company's 401k? [duplicate] | [
"436331",
"399564"
] | [
"I suggest rolling it over to the 401(k) with your new employer. Particularly if they match any percentage of your contribution, it would be in your interest to take as much of that money as possible. When it comes to borrowing money from your 401(k), it looks like the issues AbraCadaver mentioned only apply if yo... |
673 | 1099 for settlement what about lawyer fees? | [
"487778"
] | [
"You report it as an expense against the 1099 income when you do your taxes. You will only be taxed on the amount after the lawyers fees (but if it cost you more in lawyers fees than you recover in damages, the loss is not deductible). Be sure to keep documentation of the lawyers bill and the contract. Compensatory... |
6730 | How to use proceeds of old house sale shortly after buying new house? | [
"119351",
"488638"
] | [
"\"I've heard that the bank may agree to a \"\"one time adjustment\"\" to lower the payments on Mortgage #2 because of paying a very large payment. Is this something that really happens? It's to the banks advantage to reduce the payments in that situation. If they were willing to loan you money previously, they sh... |
6731 | How are ADRs priced? | [
"174245"
] | [
"Academic research into ADRs seems to suggest that pairs-trading ADRs and their underlying shares reveals that there certainly are arbitrage opportunities, but that in most (but not all cases) such opportunities are quickly taken care of by the market. (See this article for the mexican case, the introduction has a ... |
6732 | Do real nappies (reusable / cloth diapers) really save money? | [
"479871",
"560889",
"482573"
] | [
"I only used disposable diapers for my baby's first month. However, I now use half disposable diapers (for part-time daycare) and half cloth. My son is now 1 year and during a normal weekday, I go through 4 disposable diapers and 3-4 cloth diapers (this count includes a double thick cloth diaper for night). On t... |
6733 | How can I spend less? | [
"438623",
"261491",
"499451",
"109220"
] | [
"One things about psychology - people spend more money when its an abstract concept instead of having cold, hard cash. What does this mean? People spend more money when they use credit cards for day to day purchases. While I still use a credit card for day to day purchases, there's a big difference between bringing... |
6736 | What is the different between one company's two OTCMKTS symbols? | [
"468381"
] | [
"I have not looked in details but apparently the company has (at least) a dual listing in Hong Kong (its main listing, ticker 700) and in the US (ticker TCTZF). It also has an ADR (TCEHY), the underlying of which is the HK line. The two US listings essentially trade at the same price and will provide very similar r... |
6738 | Austrailian tax resident earning salary in the UK - how much tax do I pay on foreign income? | [
"144844"
] | [
"This page and this page on the ATO website provide some information on tax rates. They're rather lengthy and there's a few exceptions, but essentially, your entire foreign income, even if held overseas, is taxable. Australians are taxed worldwide."
] |
6739 | Reinvesting dividends and capital gains | [
"41130",
"562481",
"481999",
"442127"
] | [
"\"First, do you get charged a commission or other fee for reinvesting? Second, why would capital gains and dividends be grouped together? If the broker charges you for that run away. As Joe explained, it is done as a courtesy. Doesn't this mean if I sell the stock, the profit will be used to buy that stock rig... |
6740 | How does my broker (optionsXpress) calculate probabilities that the stock will hit a certain price? | [
"492346",
"122260"
] | [
"\"This chart concerns an option contract, not a stock. The method of analysis is to assume that the price of an option contract is normally distributed around some mean which is presumably the current price of the underlying asset. As the date of expiration of the contract gets closer the variation around the mean... |
6741 | what is a mortgage gift exchange? | [
"594595",
"290691"
] | [
"The issue is that the lender used two peoples income, debts, and credit history to loan both of you money to purchase a house. The only way to get a person off the loan, is to get a new loan via refinancing. The new loan will then be based on the income, debt, and credit history of one person. There is no paperwor... |
6742 | How to get started with options investing? | [
"201736",
"300698"
] | [
"What is a good resource to learn about options trading strategies? Options are a quite advanced investment form, and you'd do well to learn a lot about them before attempting to dive into this fairly illiquid market. Yale's online course in financial markets covers the Options Market and is a good starting point t... |
6743 | How to protect a Stock you still want to own from a downturn? | [
"47053",
"437208",
"115652"
] | [
"\"If you really believe in the particular stocks, then don't worry about their daily price. Overall if the company is sound, and presumably paying a dividend, then you're in it for the long haul. Notwithstanding that, it is reasonable to look for a way out. The two you describe are quite different in their speci... |
6745 | What can make a stock price rise without good news or results? | [
"541991",
"248217",
"65667"
] | [
"As a general principle the stock price on the stock market is controlled by an agreement between buyers and sellers. Some initial observations on this stock So, my take on this is one/more of the following My suspicion is the latter.",
"It could be an endless number of reasons for it. It could simply just be a ... |
6748 | Is there extra risk in owning an ADR vs. the underlying stock? | [
"498404"
] | [
"Yes, the ADR will trade on a separate exchange from the underlying one, and can (and does) see fluctuations in price that do not match the (exchange corrected) fluctuations that occur in the original market. You are probably exposing yourself to additional risk that is related to:"
] |
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