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<|im_start|>user
What's my current account balance?<|im_end|>
<|im_start|>assistant
I can help you check your account balance. Please provide your account number and I'll look that up for you right away.<|im_end|> |
<|im_start|>user
Can you tell me my recent transactions?<|im_end|>
<|im_start|>assistant
I'd be happy to review your recent transactions. Let me pull up your account activity for the past 30 days.<|im_end|> |
<|im_start|>user
Why was I charged a fee on my account?<|im_end|>
<|im_start|>assistant
I can help explain any fees on your account. Let me review your account details to identify the specific charge and provide an explanation.<|im_end|> |
<|im_start|>user
How do I set up direct deposit?<|im_end|>
<|im_start|>assistant
Setting up direct deposit is easy! You'll need to provide your employer with your routing number and account number. I can help you find those details.<|im_end|> |
<|im_start|>user
My card was declined, why?<|im_end|>
<|im_start|>assistant
Card declines can happen for several reasons including insufficient funds, security holds, or expired cards. Let me check your account to determine the cause.<|im_end|> |
<|im_start|>user
I lost my debit card, what should I do?<|im_end|>
<|im_start|>assistant
I'm sorry to hear about your lost card. For your security, I'll immediately place a hold on the card and order you a replacement. Your new card will arrive in 3-5 business days.<|im_end|> |
<|im_start|>user
My card is not working at ATMs<|im_end|>
<|im_start|>assistant
That's frustrating! ATM issues can be related to card damage, magnetic strip problems, or network issues. Let me troubleshoot this with you and if needed, order a replacement card.<|im_end|> |
<|im_start|>user
Can you increase my credit limit?<|im_end|>
<|im_start|>assistant
I can help you request a credit limit increase. This typically requires a review of your account history and current financial situation. Would you like me to start that process?<|im_end|> |
<|im_start|>user
I don't recognize this charge on my statement<|im_end|>
<|im_start|>assistant
I understand your concern about unrecognized charges. Let me review the transaction details with you and if it's fraudulent, we can dispute it immediately.<|im_end|> |
<|im_start|>user
I was double charged for a purchase<|im_end|>
<|im_start|>assistant
Double charges are definitely frustrating. Let me look at the transaction details and initiate a dispute to get this resolved for you quickly.<|im_end|> |
<|im_start|>user
A merchant charged me incorrectly<|im_end|>
<|im_start|>assistant
I can help you dispute an incorrect merchant charge. Let me gather some details about the transaction and we'll work on getting this corrected.<|im_end|> |
<|im_start|>user
How do I open a savings account?<|im_end|>
<|im_start|>assistant
Opening a savings account is straightforward! I can walk you through the process and help you choose the best savings option for your needs. What are your savings goals?<|im_end|> |
<|im_start|>user
Can I close my checking account?<|im_end|>
<|im_start|>assistant
Yes, you can close your checking account. I'll need to verify your identity and ensure there are no pending transactions. Is there anything specific prompting this closure?<|im_end|> |
<|im_start|>user
How do I add someone to my account?<|im_end|>
<|im_start|>assistant
Adding an authorized user to your account requires both parties to be present with valid identification. I can schedule an appointment or provide you with the required forms.<|im_end|> |
<|im_start|>user
What documents do I need to open an account?<|im_end|>
<|im_start|>assistant
To open an account, you'll typically need a government-issued photo ID, Social Security number, and proof of address. Some accounts may have additional requirements.<|im_end|> |
<|im_start|>user
I forgot my online banking password<|im_end|>
<|im_start|>assistant
No problem! I can help you reset your online banking password. For security, I'll need to verify your identity first. Do you have your account number available?<|im_end|> |
<|im_start|>user
How do I set up mobile deposits?<|im_end|>
<|im_start|>assistant
Mobile deposit is a convenient feature! I'll walk you through downloading our app and setting up the mobile deposit function. You'll be able to deposit checks by taking photos.<|im_end|> |
<|im_start|>user
My online banking is locked<|im_end|>
<|im_start|>assistant
Account lockouts usually happen after multiple incorrect login attempts for security. I can unlock your account after verifying your identity and help you reset your login credentials.<|im_end|> |
<|im_start|>user
Can you help me navigate the mobile app?<|im_end|>
<|im_start|>assistant
Absolutely! I'd be happy to guide you through our mobile app features. What specific function are you trying to access?<|im_end|> |
<|im_start|>user
What are your current mortgage rates?<|im_end|>
<|im_start|>assistant
Our mortgage rates vary based on loan type, term, and your credit profile. Current rates start around X%. I can connect you with a loan specialist for a personalized quote.<|im_end|> |
<|im_start|>user
How do I apply for a personal loan?<|im_end|>
<|im_start|>assistant
Applying for a personal loan is simple! You can apply online, by phone, or in person. I'll need some financial information to get you pre-qualified. What's the loan for?<|im_end|> |
<|im_start|>user
When is my loan payment due?<|im_end|>
<|im_start|>assistant
Let me check your loan account details to confirm your payment due date and amount. I can also help you set up automatic payments if you're interested.<|im_end|> |
<|im_start|>user
Can I make an extra payment on my loan?<|im_end|>
<|im_start|>assistant
Yes, you can absolutely make extra payments! Additional payments typically go toward principal, which can save you interest over time. Would you like me to process a payment now?<|im_end|> |
<|im_start|>user
Do you offer investment accounts?<|im_end|>
<|im_start|>assistant
Yes, we offer various investment options including IRAs, brokerage accounts, and managed portfolios. I can connect you with our investment specialists to discuss your goals.<|im_end|> |
<|im_start|>user
What's the minimum to open an investment account?<|im_end|>
<|im_start|>assistant
Minimum investment requirements vary by account type. Some accounts have no minimum while others may require $1,000 or more. What type of investing are you considering?<|im_end|> |
<|im_start|>user
How do I transfer my 401k?<|im_end|>
<|im_start|>assistant
401k rollovers are common when changing jobs. I can help you start the process and ensure it's done correctly to avoid penalties. Do you have your previous employer's plan information?<|im_end|> |
<|im_start|>user
What are your business hours?<|im_end|>
<|im_start|>assistant
Our customer service is available Monday through Friday 8 AM to 8 PM, and Saturday 9 AM to 5 PM. Online banking and our mobile app are available 24/7.<|im_end|> |
<|im_start|>user
Where is the nearest branch?<|im_end|>
<|im_start|>assistant
I can help you locate the nearest branch. What's your current location or zip code? I can also provide branch hours and services available.<|im_end|> |
<|im_start|>user
Do you have notary services?<|im_end|>
<|im_start|>assistant
Yes, most of our branches offer notary services for customers. I recommend calling ahead to ensure a notary is available when you visit.<|im_end|> |
<|im_start|>user
How do I update my address?<|im_end|>
<|im_start|>assistant
Updating your address is important for account security. I can help you update it now over the phone, or you can do it through online banking or by visiting a branch.<|im_end|> |
<|im_start|>user
Can you mail me a new checkbook?<|im_end|>
<|im_start|>assistant
Of course! I can order a new checkbook for you right now. It typically takes 7-10 business days to arrive. Would you like standard checks or a specific design?<|im_end|> |
<|im_start|>user
I think someone has my account information<|im_end|>
<|im_start|>assistant
That's a serious concern and I'm glad you called immediately. Let me secure your account right now and walk you through the steps to protect your finances.<|im_end|> |
<|im_start|>user
How do I report fraudulent activity?<|im_end|>
<|im_start|>assistant
Thank you for reporting this quickly. I'll immediately flag the suspicious activity and start the fraud investigation process. Your account security is our top priority.<|im_end|> |
<|im_start|>user
Is it safe to use my card online?<|im_end|>
<|im_start|>assistant
Online card usage can be safe when you follow best practices. Use secure websites, avoid public Wi-Fi for banking, and monitor your accounts regularly. We also offer fraud monitoring services.<|im_end|> |
<|im_start|>user
What fees do you charge?<|im_end|>
<|im_start|>assistant
Our fee schedule varies by account type and services. I can review your specific account fees and help you understand how to minimize them. Would you like me to go through your account?<|im_end|> |
<|im_start|>user
Can you waive this overdraft fee?<|im_end|>
<|im_start|>assistant
I understand overdraft fees can be frustrating. Let me review your account history and see what options are available. Many times we can work with customers on fee adjustments.<|im_end|> |
<|im_start|>user
Why was I charged a monthly maintenance fee?<|im_end|>
<|im_start|>assistant
Monthly maintenance fees are typically charged when account requirements aren't met, such as minimum balance or direct deposit requirements. Let me check your specific account terms.<|im_end|> |
<|im_start|>user
For a car, what scams can be plotted with 0% financing vs rebate?<|im_end|>
<|im_start|>assistant
The car deal makes money 3 ways. If you pay in one lump payment. If the payment is greater than what they paid for the car, plus their expenses, they make a profit. They loan you the money. You make paymen... |
<|im_start|>user
Why does it matter if a Central Bank has a negative rather than 0% interest rate?<|im_end|>
<|im_start|>assistant
That is kind of the point, one of the hopes is that it incentivizes banks to stop storing money and start injecting it into the economy themselves. Compared to the European Central Bank inv... |
<|im_start|>user
Where should I be investing my money?<|im_end|>
<|im_start|>assistant
Pay off your debt. As you witnessed, no "investment" % is guaranteed. But your debt payments are... so if you have cash, the best way to "invest" it is to pay off your debt. Since your car is depreciating while your house may be a... |
<|im_start|>user
Specifically when do options expire?<|im_end|>
<|im_start|>assistant
Equity options, at least those traded in the American exchanges, actually expire the Saturday after the 3rd Friday of the month. However, the choice to trade or exercise the options must be specified by the 3rd Friday. This is outlin... |
<|im_start|>user
Negative Balance from Automatic Options Exercise. What to do?<|im_end|>
<|im_start|>assistant
Automatic exercisions can be extremely risky, and the closer to the money the options are, the riskier their exercisions are. It is unlikely that the entire account has negative equity since a responsible brok... |
<|im_start|>user
Approximation of equity value for company in default<|im_end|>
<|im_start|>assistant
Generally "default" means that the company cannot pay off their debts, and since debt holders get paid before equity holders, their equity would be effectively worthless. That said, companies can emerge from Chapter 11... |
<|im_start|>user
Is it true that 90% of investors lose their money?<|im_end|>
<|im_start|>assistant
The game is not zero sum. When a friend and I chop down a tree, and build a house from it, the house has value, far greater than the value of a standing tree. Our labor has turned into something of value. In theory, a c... |
<|im_start|>user
Can a company charge you for services never requested or received?<|im_end|>
<|im_start|>assistant
In general, you can only be charged for services if there is some kind of contract. The contract doesn't have to be written, but you have to have agreed to it somehow. However, it is possible that you ent... |
<|im_start|>user
Working out if I should be registered as self-employed in the UK<|im_end|>
<|im_start|>assistant
Being self employed just means you fill out some more forms in your annual self assessment for your "profit" from being self employed. Profit = all the money you receive, minus any tax deductible cost that... |
<|im_start|>user
About eToro investments<|im_end|>
<|im_start|>assistant
For eToro, just like any other brokerage firm, you can lose your entire capital. I suggest that you invest in one or more exchange-traded funds that track major indexes. If not, just put your money in fixed deposit accounts; gain a bit of interes... |
<|im_start|>user
Pay off car loan entirely or leave $1 until the end of the loan period?<|im_end|>
<|im_start|>assistant
Not sure if it is the same in the States as it is here in the UK (or possibly even depends on the lender) but if you have any amount outstanding on the loan then you wouldn't own the vehicle, the loa... |
<|im_start|>user
Including the region where you live in your investment portfolio?<|im_end|>
<|im_start|>assistant
Diversification is a risk-mitigation strategy. When you invest in equities, you generally get a higher rate of return than a fixed income investment. But you have risks... a single company's market value c... |
<|im_start|>user
Are there any rules against penalizing consumers for requesting accurate credit reporting?<|im_end|>
<|im_start|>assistant
The Fair Credit Reporting Act specifies in some detail on pages 50-54 (as labeled in the footer, 55-59 as pages in pdf) the process that occurs when a consumer initiates a dispute.... |
<|im_start|>user
What are the reasons to get more than one credit card?<|im_end|>
<|im_start|>assistant
Another good reason: if you have to replace a card due to damage, loss, or identity theft it's nice to have a backup you can use until the new card for your primary account arrives. I know folks who use a secondary c... |
<|im_start|>user
Why is economic growth so important?<|im_end|>
<|im_start|>assistant
One of the best answers to this question that I've ever read is in a paper published by Robert Lucas in the Journal of Economic Perspectives. That journal is meant to a be a place for experts to write about their area of expertise (in... |
<|im_start|>user
Investment strategy for retired couple<|im_end|>
<|im_start|>assistant
You need to have them consult with a financial adviser that has a focus on issues for seniors. This is because they are beyond the saving for retirement phase and are now in the making-their-money-last phase. They also have issues r... |
<|im_start|>user
What is the US Fair Tax?<|im_end|>
<|im_start|>assistant
You asked about the challenges. The transition itself is the biggest one. For people to get used to the tax at the register vs at their paycheck. For a great number of people to find new work. I don't know the numbers, but anyone involved with pe... |
<|im_start|>user
Does bull/bear market actually make a difference?<|im_end|>
<|im_start|>assistant
If you know what you are doing, bear markets offer fantastic trading opportunities. I'm a futures and futures options trader, and am equally comfortable trading long or short, although I have a slight preference for the s... |
<|im_start|>user
Does Tennessee have anything like a principal residence exemption?<|im_end|>
<|im_start|>assistant
There's no homestead property tax exemption in TN. According to the TN comptroller site: Exemptions Exemptions are available for religious, charitable, scientific, and nonprofit educational uses, govern... |
<|im_start|>user
How can it be possible that only ~10% of options expire worthless, and only ~10% are exercised?<|im_end|>
<|im_start|>assistant
Consider the futures market. Traders buy and sell gold futures, but very few contracts, relatively speaking, result in delivery. The contracts are sold, and "Open interest" dw... |
<|im_start|>user
Will capital gains affect my tax bracket?<|im_end|>
<|im_start|>assistant
I'm not sure where you are, but in the United States capital gains are taxed at a lower rate than other types of income. On the 1040, captial gains income is separated from earned income, and income tax is calculated just on earn... |
<|im_start|>user
Can I sell a stock immediately?<|im_end|>
<|im_start|>assistant
You can*, if the market is open, in a normal trading phase (no auction phase), works, and there is an existing bid or offer on the product you want to trade, at the time the market learns of your order. Keep in mind there are 2 prices: bid... |
<|im_start|>user
What can a CPA do that an EA cannot, and vice versa?<|im_end|>
<|im_start|>assistant
Enrolled Agents typically specialize only in tax matters. Their status allows them to represent clients before the IRS (which a CPA can also do) See the IRS site regarding Enrolled Agents Their focus is much narrower ... |
<|im_start|>user
Is my stock gone forever from a reverse split / bought by another company?<|im_end|>
<|im_start|>assistant
GT BIOPHARMA, INC. ANNOUNCES REVERSE STOCK SPILT AS PART OF OXIS-GEORGETOWN PLANNED MERGER LOS ANGELES, CA / ACCESSWIRE / August 21, 2017 / GT Biopharma Inc. (formerly known as Oxis Internationa... |
<|im_start|>user
Why does quantitative easing negatively affect stocks?<|im_end|>
<|im_start|>assistant
Can you isolate the market impact to just the Fed's quantitative easing? Can you rule out the future economic predictions of low growth and that there are reasons why the Fed has kept rates low and is trying its bes... |
<|im_start|>user
How to calculate how much a large stock position is really worth?<|im_end|>
<|im_start|>assistant
Something like cost = a × avg_spreadb + c × volatilityd × (order_size/avg_volume)e. Different brokers have different formulas, and different trading patterns will have different coefficients.<|im_end|> |
<|im_start|>user
$700 guaranteed to not be touched for 15 years+, should I put it anywhere other than a savings account?<|im_end|>
<|im_start|>assistant
Well, I understand this forum is about money but I think you would be far better off if you invest the money in your daughters education or something similar that can ... |
<|im_start|>user
What are the implications of a corporate stock repurchase or share buyback program?<|im_end|>
<|im_start|>assistant
A board authorizes the repurchase of shares because they feel the stock in undervalued. The hope is that the stocks will rise either directly by their repurchase, or in the near term due ... |
<|im_start|>user
How much time should be spent on Penny Stocks Trading a day?<|im_end|>
<|im_start|>assistant
How long is a piece of string? This will depend on many variables. How many trades will you make in a day? What income would you be expecting to make? What expectancy do you need to achieve? Which markets you ... |
<|im_start|>user
Is short selling a good hedging strategy during overzealous market conditions?<|im_end|>
<|im_start|>assistant
Short selling can be a good strategy to hedge, but you have almost unlimited downside. If a stock price skyrockets, you may be forced to cover your short by the brokerage before you want to o... |
<|im_start|>user
How to decide on split between large/mid/small cap on 401(k) and how often rebalance<|im_end|>
<|im_start|>assistant
It's a trade-off. The answer depends on your risk tolerance. Seeking higher rewards demands higher risk. If you want advice, I would recommend hiring an expert to design a plan which mee... |
<|im_start|>user
Buying from an aggressive salesperson<|im_end|>
<|im_start|>assistant
I often spend weeks or months (and sometimes even years) deciding whether to buy something. Certainly the dealer should recognize you by now if you take a third opportunity to look at the same instrument. You could politely remind hi... |
<|im_start|>user
What are some signs that the stock market might crash?<|im_end|>
<|im_start|>assistant
There are some economic signs as there are in all economic and business cycles, such as interest rates rising. However, a more effective way is to actually look at price action itself. The definition of an uptrend is... |
<|im_start|>user
Recent college grad. Down payment on a house or car?<|im_end|>
<|im_start|>assistant
Buy a car. Unless you definitely know you are living in the area for a good long time, avoid buying a house and get a car instead.<|im_end|> |
<|im_start|>user
401k with paltry match or SPY ETF?<|im_end|>
<|im_start|>assistant
I think you understood much of what I say, in general. Unfortunately, I didn't follow Patches math. What I gleen from your summary is a 1% match to the 10% invested, but a .8% expense. The ETF VOO has a .05% annual fee, a bit better th... |
<|im_start|>user
What can I replace Microsoft Money with, now that MS has abandoned it?<|im_end|>
<|im_start|>assistant
hledger is a free software, cross-platform double-entry accounting tool I've been working on for a while. It has command-line and web-based interfaces to your local data, and some other interesting fe... |
<|im_start|>user
Why don't banks print their own paper money / bank notes?<|im_end|>
<|im_start|>assistant
Any person at any time may produce their own currency, one can even do so on the back of a paper napkin, ripped beer coaster or whatever. This is NOT a banking privilege, it is within the lawful ability of anyone... |
<|im_start|>user
Pros & cons in Hungary of investing retirement savings exclusively in silver? What better alternatives, given my concerns?<|im_end|>
<|im_start|>assistant
This sound like a very bad idea. If you invest exclusively in silver, your investment is not diversified in any way. This is what I would call risky... |
<|im_start|>user
Is there any circumstance in which it is necessary to mark extra payments on a loan as going to “principal and not interest”?<|im_end|>
<|im_start|>assistant
It could be a couple of things besides extra principal: I seem to remember hearing that some (shady?) lenders would just pocket extra payments if... |
<|im_start|>user
Automatic investments for cheap<|im_end|>
<|im_start|>assistant
For your purposes, I would recommend using direct investment in a no-load mutual fund. I mostly use Vanguard and would recommend them. They just about invented index funds, usually have the lowest (internal) expenses for index and many o... |
<|im_start|>user
Do other countries have the equivalent of Australia's Negative Gearing?<|im_end|>
<|im_start|>assistant
In India, where I live, you can: In addition, housing loans are given priority status as well - bank capital requirements on housing loans is lower than for, say, a corporate loan or a loan against o... |
<|im_start|>user
Is it possible to influence a company's actions by buying stock?<|im_end|>
<|im_start|>assistant
Another form of 'shareholder' activism. You might be able to buy a single share, which it seems would cost around $35, attend the AGM, and ask questions and/or shout or sing and delay proceedings. There wou... |
<|im_start|>user
Why might it be advisable to keep student debt vs. paying it off quickly?<|im_end|>
<|im_start|>assistant
Like all other loan-vs-savings questions, it depends on the terms of the loan. If you have a choice, the usual answer is to pay off the loan with the worst terms (which usually means the highest in... |
<|im_start|>user
Should I sell my stocks when the stock hits a 52-week high in order to “Buy Low, Sell High”?<|im_end|>
<|im_start|>assistant
Though it seems unintuitive, you should rationally ignore the past performance of this stock (including the fact that it's at its 52-week high) and focus exclusively on factors t... |
<|im_start|>user
Why would this kind of penny stock increase so much in value?<|im_end|>
<|im_start|>assistant
Disregarding the particular example and focusing on the actual questions: YES, definitely, the whole concept of "pump and dump scheme" refers to the many cases when this was intentionally done; Everything has ... |
<|im_start|>user
Price graphs: why not percent change?<|im_end|>
<|im_start|>assistant
The actual price is represented on charts and not the change in price as a percentage, because it is the actual price which is used in all other parts of analysis (both technical and fundamental), and it is the actual figure the secu... |
<|im_start|>user
How much money should I put on a house?<|im_end|>
<|im_start|>assistant
Before doing anything else: you want a lawyer involved right from the beginning, to make sure that something reasonable happens with the house if one of you dies or leaves. Seriously, you'll both be safer and happier if it's all ex... |
<|im_start|>user
Historical share price at exact day and time<|im_end|>
<|im_start|>assistant
An alternative to paying thousands of dollars for historical prices by the minute: Subscribe to real time data for as low as USD$1.5/month from your broker, then browse the chart.<|im_end|> |
<|im_start|>user
High credit utilization, some high interest - but credit score not overly bad. How to attack debt in this situation?<|im_end|>
<|im_start|>assistant
You need to pay off the entire balance of 7450 as soon as possible. This should be your primary financial goal at this point above anything else. A basic ... |
<|im_start|>user
Why do credit cards require a minimum annual household income?<|im_end|>
<|im_start|>assistant
Here's one reason that's being overlooked in answers so far. (@ChrisInEdmonton, this is for your comment on @Chad's answer.) How do credit card companies make money? Sure, there's interest charges, but those ... |
<|im_start|>user
selling apple stock limit order<|im_end|>
<|im_start|>assistant
Your order may or may not be executed. The price of stock can open anywhere. Often yesterday's close is a good indication of today's open, but with a big event overnight, the open may be somewhere quite different. You'll have to wait an... |
<|im_start|>user
How do I get rid of worthless penny stocks if there is no volume (so market/limit orders don't work) and my broker won't buy them from me?<|im_end|>
<|im_start|>assistant
Merrill charges $500 flat fee to (I assume purchase) my untraded or worthless security. In my case, it's an OTC stock whose manageme... |
<|im_start|>user
Why is day trading considered riskier than long-term trading?<|im_end|>
<|im_start|>assistant
In day trading, you're trying to predict the immediate fluctuations of an essentially random system. In long-term investing, you're trying to assess the strength of a company over a period of time. You also h... |
<|im_start|>user
Why would you elect to apply a refund to next year's tax bill?<|im_end|>
<|im_start|>assistant
The refund may offset your liability for the next year, especially if you are a Schedule "C" filer. By having your refund applied to the coming year's taxes you are building a 'protection' against a potentia... |
<|im_start|>user
Can individuals day-trade stocks using High-Frequency Trading (HFT)?<|im_end|>
<|im_start|>assistant
I just finished a high frequency trading project. Individuals can do it, but you need a lot of capital. You can get a managed server in Times Square for $1500/month, giving you access to 90% of the US e... |
<|im_start|>user
Does the profit of a company directly affect its stock or indirectly by causing people to buy or sell?<|im_end|>
<|im_start|>assistant
people implicity agree to sell stocks when a company does bad But, remember, when you sell the stock of a company that, in your estimation, 'did bad', someone else had ... |
<|im_start|>user
Does a stock holder profit from a reverse-stock split?<|im_end|>
<|im_start|>assistant
If I held stock in these companies yesterday, would I have profited by these gains? No. For DZSI, your 5 shares at $1.10 would now be 1 share at $5.50, so you would have the same total amount. For SGY, they closed ... |
<|im_start|>user
How would bonds fare if interest rates rose?<|im_end|>
<|im_start|>assistant
1. Interest rates What you should know is that the longer the "term" of a bond fund, the more it will be affected by interest rates. So a short-term bond fund will not be subject to large gains or losses due to rate changes, a... |
<|im_start|>user
What implications does having the highest household debt to disposable income ratio have on Australia?<|im_end|>
<|im_start|>assistant
It is basically the same situation what US was when the crash happened. People took on debt without the means to pay, even with awful credit records. But the problem is... |
<|im_start|>user
why do I need an emergency fund if I already have investments?<|im_end|>
<|im_start|>assistant
Given that the 6 answers all advocate similar information, let me offer you the alternate scenario - You earn $60K and have an employer offering a 50% match on all deposits. All deposits. (Note, I recently re... |
<|im_start|>user
Is it a good practice to keep salary account and savings account separate?<|im_end|>
<|im_start|>assistant
I pretty much only use my checking. What's the downside? Checking accounts don't pay as much interest as savings account. Oh, but wait, interest rates have been zero for nearly 10 years. So there ... |
<|im_start|>user
Why does it seem unnecessary to fully save for irregular periodic expenses?<|im_end|>
<|im_start|>assistant
It totally depends on when your expenses hit and whether you might have a larger stock than necessary. If you run your projections against the monthly save and the intervals of when you'll need t... |
<|im_start|>user
Why do some stocks have a higher margin requirement?<|im_end|>
<|im_start|>assistant
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 it... |
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