answers listlengths 5 15 | question dict | example_id stringlengths 3 5 | summaries listlengths 1 1 | mismatch_info dict | annotator_id listlengths 1 1 | cluster_summaries listlengths 1 1 |
|---|---|---|---|---|---|---|
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"text": "I think that is the wrong approach.",
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"text": "You certainly need to teach the value of ... | {
"question": "It seems to me that, if you want to teach children at an early age about the benefits of careful personal finance, and other fun concepts (like an intuitive understanding of compound interest), paying an allowance that's directly related to chores or work around the house is probably a bad idea. Are t... | 4_26 | [
[
"It is better to teach them that income is related to work. Try getting a copy of Capitalism for Kids.",
"The answer to this question is subjective and there will be people who agree and disagree with this particular approach. As for standard answers, the book, Capitalism for Kids, may have some interesti... | {
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"Some people would disagree with this approach to educating children about work and finance.",
"Some people see financial education as a fundamental skill to be taught to children.",
"The book, Capitalism for Kids, might be an interesting read on this matter."
]
] |
[
{
"sents": [
{
"text": "put a fake \"foreclosure notice\" on your door.",
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"author": "money.s... | {
"question": "There's a question on DIY SE asking how to secure the house from intruders . One of the answers is to not have anything valuable or at least to not appear to . Can the illusion that a person doesn't have anything valuable be achieved through some specific practices of dealing with money and property... | 4_27 | [
[
"Make your house look shabby in relation to the others on the street. Don't have anything visible from the street that looks expensive. ",
"You probably want to make sure that any expensive property is kept well out of sight. To go further, you may want to actively make yourself look poor and make your ho... | {
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"You might want to consider adding elements to make yourself look poor or make your house look shabby.",
"You should aim to avoid leaving any expensive property readily in view."
]
] |
[
{
"sents": [
{
"text": "In Australia, you will typically be required to pay for mortgage insurance if you borrow more than 80% of the value of the property.",
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-1... | {
"question": "In Australia, even after the global financial crisis , it's still common to only have 5-10% and some people even use other assets as collateral to borrow all 100%. I hear historically this has not been the case, it's only been the last decade of so during the housing boom. In terms of avoiding risk a... | 4_28 | [
[
"In the US, the traditional downpayment is 20%. 10% onwards is a reasonable amount of money to save.",
"It is generally considered that 20% is a good-size down-payment on a home, though other people may feel comfortable with less. Making a bigger down-payment will provide you greater security, but the mos... | {
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"It is generally considered that 20% is a good level of deposit on a home, although other people may feel comfortable with less than this.",
"The bigger the down-payment you make, the better protected you are from swings in the housing market.",
"It is difficult to say whether the percentage of your d... |
[
{
"sents": [
{
"text": "With the information you have given, I would say never.",
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"text": "Remember the banker i... | {
"question": "I'm new to the concept of \"line-of-credit\", and my banker says I should be able to open one based on the number of stocks I own. I have no mortgage. I'm told that I'm able to deduct my interest on my tax returns. When is it wise or unwise to open a line of credit?",
"title": "When should I open ... | 4_29 | [
[
"You should only open a line of credit if you want to borrow money to buy something.",
"The answer to this question will be subjective, however, some people would suggest that opening a line of credit is only a good idea if you need to buy something that you don't have the funds for."
]
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"The answer to this question will be subjective, however, some people would suggest that opening a line of credit is only a good idea if you need to buy something that you don't have the funds for."
]
] |
[
{
"sents": [
{
"text": "Speaking from experience, yes",
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"text": "(this was 9 years ago though and may have chang... | {
"question": "I'm Swedish, but living in Switzerland at the moment. Can I open a US bank account? Either when in the US on vacation or through the internet/phone? There are lots of situations when I find myself in need of an american credit card or just a bank account. When ordering things online (most retailers re... | 4_30 | [
[
"It is possible to open a US account without an SSN. If your local bank operates in the US as well, the might be able to help you.",
"It is generally agreed, no by no means certain, that you should be able to open a bank account in the USA without being there in person. However, the exact answer will depe... | {
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"It is generally agreed that you can open a bank account in the USA without being in the country.",
"Whether or not you are able to open an account will largely depend on the bank.",
"There is doubt as to whether or not you can open an account without being physically in the USA."
]
] |
[
{
"sents": [
{
"text": "I think it would have the same effect as paying off a compulsive gambler's debts.",
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"te... | {
"question": "As an American citizen, does it make any financial sense to donate money in hopes of helping to reduce the US national debt? Thanks.",
"title": "Does it make any sense to directly contribute to reducing the US national debt?",
"forum": "money.stackexchange.com",
"question_tags": "<debt-reduction... | 4_31 | [
[
"This makes no sense.",
"No, it does not make any sense to contribute towards reducing the national debt."
]
] | {
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"No, it does not make any sense to contribute towards reducing the national debt."
]
] |
[
{
"sents": [
{
"text": "If you have the cash on hand to pay the tax on the amount you are transferring I recommend moving to a Roth IRA An IRA is tax-deferred .",
"label": [
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... | {
"question": "Previous Question. I have decided to roll my 401(k) into a Roth IRA. I use ThinkOrSwim as my broker currently, so I plan on opening an IRA with them. When opening the account I'm presented with the choice between a Rollover IRA and a Roth IRA. The description for the Rollover IRA says its for rolli... | 4_32 | [
[
"A rollover is not taxed while for the Roth IRA your contributions will be taxed.",
"The difference between Rollover and Roth IRA is that Roth contributions are taxed whilst Rollover contributions are not. In order to convert your IRA into a Roth, you would need both types of account to perform the transa... | {
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"Rollover contributions are not taxed.",
"Rot contributions will be taxed on the money you move.",
"To put your funds into a Roth account, you would need both types of account to perform the transaction."
]
] |
[
{
"sents": [
{
"text": "Classic investing guru Benjamin Graham defines \"An investment operation is one which, upon thorough analysis, promises safety of principal and an adequate return.\"",
"label": [
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"cluster_... | {
"question": "I keep hearing people saying that a speculation is NOT an investment, but isn't it really just investment with high risk?",
"title": "What is the difference between speculating and investing?",
"forum": "money.stackexchange.com",
"question_tags": "<investing><terminology><speculation>",
"link":... | 4_35 | [
[
"The difference is semantic and there is a different level of risk involved.",
"It is unclear that there is any definitive difference between the two terms, though some might suggest that the level of risk is a factor."
]
] | {
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"It is unclear that there is any definitive difference between the two terms, though some might suggest that the level of risk is a factor."
]
] |
[
{
"sents": [
{
"text": "Looking at previous hyperinflation scenarios, it seems to me the best preparation is to get an option to leave the country.",
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-1
... | {
"question": "I'm becoming more interested in buying gold / silver coins as a hedge against inflation and especially hyperinflation. I know very little about this, and there are thousands of sites on the internet about this. I'm sure many of them are a little less than honest. For those of you who are experienced w... | 4_36 | [
[
"There are several good sites for this like coloradogold.com, monex.com, apmex.com and tulving.com.",
"If you're interested in buying gold, there are a number of sites you can buy from including coloradogold.com, apmex.com or kitco.com. If you're looking for further information, try the Gary North website... | {
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"There are a number of sites where you can buy gold, including Coloradogold.com, Apmex or Kitco.com",
"The Gary North website contains useful information on buying gold."
]
] |
[
{
"sents": [
{
"text": "Credit cards have two revenue streams:",
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"text": "They collect a fee, usually 2-3% for ... | {
"question": "How does a credit card company make any money off of me using their card if there are no fees associated with the card (I don't pay any extra) and I pay off my balance on time every month (so I don't pay any fees ever for this either). Are they just banking on the fact that many people don't do this a... | 4_38 | [
[
"They make money per transaction when you use the card. It's usually 2-3% per transaction.",
"Generally speaking, the credit card issuer charges merchants for every transaction you make. They only make money off you personally if you incurr interest on the money you have borrowed."
]
] | {
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] | [
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"The credit card issuer makes money from the merchant of every transaction you make.",
"If you do incurr interest, the credit card issuer will collect this from you.",
"They don't make any money off you personally."
]
] |
[
{
"sents": [
{
"text": "I think a greater problem would be the protection of your property right.",
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"text": "Ch... | {
"question": "Is it a good investment for a foreigner to purchase a flat/apartment in China? Why, or why not?",
"title": "Is it a good investment for a foreigner to purchase a flat/apartment in China?",
"forum": "money.stackexchange.com",
"question_tags": "<real-estate><investing>",
"link": "money.stackexcha... | 4_39 | [
[
"China is in the middle of a housing bubble so it's not a good time to invest, especially if you don't live there and don't have someone rent to rent it from you. Owning real estate in a foreing country is expensive and risky.",
"More information is required to provide an exact answer, however, investing ... | {
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"Investing in an apartment in China is generally considered a bad decision.",
"More information is required to give an exact answer to this question.",
"There is a risk that the government may seize your property.",
"The current currency risks make this an unwise investment."
]
] |
[
{
"sents": [
{
"text": "First, what country are you in?",
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"text": "Canada doesn't offer a mortgage interest tax... | {
"question": "Should we take our excess cash at the end of the month and put it in savings or put it towards our mortgage payment? We've been in our home 3 years and we already have some emergency money saved up. I would be paying towards the principal of my mortgage. My mortgage interest rate 5.75 is the higher th... | 4_40 | [
[
"You should absolutely have money in savings for an emergency fund. However, if the interest on your mortgage is higher than the return on savings, then invest in that instead.",
"There will be a number of factors to take into consideration besides the interest rates and even then the answer will be subj... | {
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"If the interest on your mortgage is higher than the interest on your savings, you should pay off the mortgage.",
"There will be other things to consider besides the interest rates.",
"Some people would recommend building up a significant cushion in your savings before making additional mortgage payme... |
[
{
"sents": [
{
"text": "You're entirely correct.",
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"text": "It's one of those \"broken window\" fallacies.",
... | {
"question": "After the Sendai earthquake, news sites say that rebuilding the city will be an \"economic boost\" for Japan. Okay, great for construction companies, but the government and insurance companies are paying for that. I don't think this is something that boosts the economy of Japan, unless it is paid 100% ... | 4_41 | [
[
"Some companies will profit but no new wealth will be created.",
"You are not wrong in your thinking as there will be both positives and negatives. The contruction industry will experience a boom but at the expense of the insurance industry."
]
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"You are not wrong in your thinking.",
"There will be some positives and negatives.",
"There will be a boom in the construction industry, but this will come at a cost to the insurance industry."
]
] |
[
{
"sents": [
{
"text": "I used to open safes and vaults for a large US bank and have a fair bit of professional experience breaking into safes/vaults (legally).",
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... | {
"question": "Apart from midnight-gardening, what are some of the truly safe and cost-effective storage methods for gold and silver bullion? This is for core bullion with no numismatic value. I am looking specifically for bullion storage so any suggestions regarding e-Gold/Gold funds can be avoided.",
"title": "S... | 4_42 | [
[
"Look into a safe from a reputable manufacturer. A safe deposit box at a bank is also a good option. ",
"Your best choices will probably be either a properly installed safe, a safe deposit box or allocated space in a vault. You may want to consult with your insurance company as they might have requirement... | {
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"A properly installed or certified safe is probably your best option.",
"A safe deposit box or allocated space in a vault could be a good choice.",
"You may want to consult with your insurance company as they may have requirements for storing gold.",
"You could simple store it at home.",
"You ... |
[
{
"sents": [
{
"text": "The answer is, unfortunately, along the lines of \"it depends\".",
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"text": "It does depe... | {
"question": "I am not a US citizen and want to visit USA as a tourist. Since withdrawing money from my home-country bank account will cost much, it is better to open an new bank account in US (after arriving) and transfer some money from my home-country bank account to it. The money is not too much, less than ... | 4_43 | [
[
"It depends on the bank. You will probably have to visit several banks, but you should be able to open an account without an SSN.",
"It is generally believed that yes, you can open a bank account in the US as a foreigner, but the exact answer will largely depend on the bank and your personal circumstances... | {
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"The exact answer will depend on the bank and your personal situation.",
"It is generally believed that yes, you can open a US bank account as a foreigner."
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[
{
"sents": [
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"text": "Index funds may invest either in index components directly or in other instruments (like ETFs, index options, futures, etc.)",
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... | {
"question": "Does an index fund comprise of stocks that mimic the index? So when the index is altered to include new players/exclude old ones, the fund also adjusts? But how can this be, since index funds are not actively managed? And if the index fund just mimics the index, why bother investing in the fund? Why n... | 4_44 | [
[
"One of the reasons for using an index fund is to reduce your workload. The costs are pooled and investors can buy smaller amounts. They are also good for diversifying risk. ",
"The main benefit of index funds is that they have lower associated costs and are easier to manage. They also diversify risk. The... | {
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"Investing in an index fund generally involves less cost and is easier to manage.",
"A benefit of index funds is that they diversify risk.",
"Index funds are managed, just not in the same way as other funds.",
"You could calculate the percentage composition of the index and invest in individual pa... |
[
{
"sents": [
{
"text": "The problem with commodities is that they don't produce income.",
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"text": "With a stock... | {
"question": "What signs are there of a bubble in silver (or other precious metal)? I was planning on buying some small quantity of silver soon, but I noticed the price has doubled recently and thought \"what goes up, must come down\". How can I tell whether the new price is a trend, or whether it's a bubble soon ... | 4_45 | [
[
"Many investors talk about how you can't go wrong with silver. However, if it seems that everyone is talking about silver, then it's probably a bubble.",
"Signs of a bubble are generally considered to be the constant mention of the phenomenon by investors and normal people alike."
]
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"Signs of a bubble are generally considered to be the constant mention of the phenomenon by investors and normal people alike."
]
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[
{
"sents": [
{
"text": "If crossing out an endorsement of \"For Deposit Only\" were valid, then there would be no point in writing \"For Deposit Only\" on a check.",
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... | {
"question": "My wife endorsed a small check \"For Deposit Only\". Then, she crossed the endorsement out, and initialed it. The grocery store refused the check, saying once it's endorsed for deposit only, the bank won't accept it even though For Deposit Only is canceled. Is this right?",
"title": "Can a \"For Depo... | 4_46 | [
[
"This is a restrictive endorsement and should be observed. You can't cancel it by crossing it out.",
"No, a check endorsement cannot be cancelled by initialling and the store made the correct decision in this case."
]
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"No, an endorsement for a check cannot be cancelled by initialling.",
"The store made the correct decision in this case."
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[
{
"sents": [
{
"text": "CashBase has a web app, an iPhone app and an Android app, all sync'ed up.",
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"text": "It ... | {
"question": "I realize that similar questions have been raised, especially regarding Mint and Quicken Online, but my question is this: Is there web-based personal finance software that does not require you to register an online bank account within the software? I really want the ability to do personal finance onl... | 4_47 | [
[
"There are several apps like this: CashBase, neobudget, Moneystrands and Savingsmap that don't require you to link bank accounts.",
"There are a wide range of financial programmes that don't require online banking, such as CashBase, neobudget, MoneyStrands or PocketSmith."
]
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"There are a wide range of financial programmes that don't require online banking, such as CashBase, neobudget, MoneyStrands or PocketSmith."
]
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[
{
"sents": [
{
"text": "While a lot of trading is executed by computers, a substantial amount is still done at the behest of humans.",
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... | {
"question": "It's all digital and done with computers these days, so why bother? Doesn't that just make the system less liquid, which is the opposite to one aim of having the stock market? Plus can't you just play the futures market after hours anyway?",
"title": "Why is the stock market closed on the weekend?",... | 4_49 | [
[
"A lot of the work is still done by humans. They have an oversight role. The banks are closed on weekends so it makes no sense for the stock market to stay open.",
"It is generally considered that the stock market is closed at the weekend because some human oversight is required, even if it is minimal. Ho... | {
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"The stock market is closed at weekends because at least some human oversight is required despite the extent to which the market is controlled by computers.",
"Some people would argue that this is simply an old-fashioned habit that is proving difficult to shake.",
"It is possible that the stock market... |
[
{
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"text": "When you operate outside of the law, you bear the risks of that decision.",
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"text": "Wh... | {
"question": "I'm selling a boat through a broker (a friend of a friend) taking a consignment. The buyers offered to pay in cash, but want the bill of sale to say less than the actual price for tax reasons. Should I worry about counterfeiting if it is such a large amount? Or should I worry more?",
"title": "If a... | 5_0 | [
[
"You should be aware you would be falsifying the documents which could get you into trouble. In addition to that, it could be money laundering and you would need to be able to prove to your bank where all this cash has come from.",
"The lower bill of sale may be due to money laundering, which will get you... | {
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[
"If you receive counterfeit money, you are probably dealing with a criminal and I would also worry about falsifying documents of sale.",
"The lower bill of sale may be money laundering, which will get you into trouble.",
"You can detect counterfeit bills by holding them up to the light and looking for... |
[
{
"sents": [
{
"text": "The volatility of a commodity typically depends on how volatile is demand and how flexible is supply.",
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... | {
"question": "Why are the prices of some commodities (e.g. oil) more volatile than others?",
"title": "Why are the prices of some commodities (e.g. oil) more volatile than others?",
"forum": "money.stackexchange.com",
"question_tags": "<markets><commodities><price><volatility>",
"link": "money.stackexchange.... | 5_1 | [
[
"The volatility of prices depends on supply and demand. Any disruptions in supply can cause a cascading effect on price. ",
"Prices and volatility for a commodity are driven by changes in supply and demand. Having a complex supply chain, as well as a number of independent variables such as currency exchan... | {
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"Prices and volatility for a commodity are driven by changes in supply and demand. When demand responds similarly to economic shocks but with much greater excess supply, they are considerably less volatile. Having a complex supply chain, as well as a number of independent variables such as currency exchange r... |
[
{
"sents": [
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"text": "Borrowing to invest is almost always a bad idea.",
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"text": "You'd have to take out an u... | {
"question": "Where can I borrow money in the US if I have a good credit (730+)? I have heard community unions a good place to borrow money..but the lowest they could get is 12 percent. Can I borrow from a different place with an interest lower than is...I am interested in the Range of 30k to 40k dollars..and planni... | 5_2 | [
[
"If you are looking to borrow for investment, then your broker will lend at a much lower rate than a bank. You could also open a Vanguard account or try social lending.",
"The lowest rates available will be from time-limited credit card offers, followed by broker margin accounts. If you are looking for mo... | {
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"The lowest rates available will be from time-limited credit card offers, followed by broker margin accounts.",
"If you are looking for money to speculate in the capital markets, brokers will lend to you at a much more favorable rate than any outside party, e.g. at a 1% interest rate.",
"Open a Vangua... |
[
{
"sents": [
{
"text": "You must mean the current debt ceiling debacle.",
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"text": "The meaning of it is: US gov... | {
"question": "Will I still be able to withdraw from my bank account if the U.S. defaults?",
"title": "If the U.S. defaults on its debt, what will happen to my bank money?",
"forum": "money.stackexchange.com",
"question_tags": "<united-states><bank-account><sovereign-default>",
"link": "money.stackexchange.co... | 5_3 | [
[
"In principle, a default will have no effect on your bank. The knock-on effect of a government default might be banks failing, but even if your bank were to default, your money is still insured by the FDIC. ",
"In principle, a default will have no effect on your bank account or your money stored there. Go... | {
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1
] | [
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"In principle, a default will have no effect on your bank account or your money stored there. Government default doesn't mean that all US money is immediately worthless. ",
"Even if fallout a bank to fail, there's FDIC and if your money is insured so you'll be getting your money back. But if the US's cre... |
[
{
"sents": [
{
"text": "The power of compounding interest and returns is an amazing thing.",
"label": [
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"text": "Start edu... | {
"question": "I'm a University student (with a University student budget) and I was wondering if it is worth my trouble and my money to invest in the stock system? I don't know much about it, but it seems like a good way to make money. Are there any stocks that are \"sure things\"? Basically, I want to know if its ... | 5_4 | [
[
"Investing in the stock market early is a good thing. You can start with very little money. There are never any completely sure investments, so don't invest money that you can't afford to lose. Start by learning about the stock market and investing a little at a time.",
"You don't need very much money to ... | {
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"Investing in the stock market early is a good thing and you don't need very much money to start. Although for most people, investing in the stock market directly is one of the last things to do. You can also use the ShareBuilder account to purchase \"partial\" stocks through their automatic investment pl... |
[
{
"sents": [
{
"text": "The most important point to me: If you don't use everything in your fridge before it goes bad, then a full fridge will have costs that a (nearly) empty one doesn't, because you'll be throwing away more food.",
"label": [
0
],
"label_summ": ... | {
"question": "To save money on hydro (electricity), I'd like to make optimum use of my refrigerator.For this purpose, is less energy used when the fridge is full? Or when it is empty?",
"title": "Saving money on electricity: Is a refrigerator more efficient when empty, or full?",
"forum": "money.stackexchange.co... | 5_5 | [
[
"A full fridge uses less energy. Make sure you keep the door shut to save money.",
"Keeping the door closed saves money. If you open the door, most leakage is going to be in the form of convective heat transfer from air leaving the fridge. A full fridge has an advantage, because more of the air is blocked... | {
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] | [
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"Keeping the door closed saves money. The amount of heat leakage from the fridge is independent of what's in it, and is mostly based on the barriers between the inside of the fridge and the outside. If you open the door, most of the heat leakage is going to be in the form of convective heat transfer from air ... |
[
{
"sents": [
{
"text": "You do not have to endorse a check at the bank you have an account with.",
"label": [
1
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"label_summ": [
1
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"cluster_id": [
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{
"text": "By l... | {
"question": "What if I deposit a check into a Bank of America ATM but forget to endorse it with my signature on the back of the check?",
"title": "What happens if I deposit a check and forget to endorse it with my signature on the back?",
"forum": "money.stackexchange.com",
"question_tags": "<united-states><a... | 5_6 | [
[
"It is not necessary to endorse the check if your name is on it as payee. The bank might call you to come in and sign it.",
"You do not have to endorse a check at the bank you have an account with. If you are the named Payee on the check, you can deposit it without an endorsement. By leaving the back of t... | {
"rel_sent_not_in_cluster": [
false
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1
] | [
[
"You do not have to endorse a check at the bank you have an account with. If you are the named Payee on the check, you can deposit it without an endorsement. By leaving the back of the check blank, and thus failing to endorse it, you automatically endorse the check with a restricted endorsement (similar to \"... |
[
{
"sents": [
{
"text": "When in doubt, call (the card issuer) and ask.",
"label": [
0
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"text": "Ask if you overpay your curre... | {
"question": "I have a credit card with a credit limit of $1000, but I would like to make a purchase of $1500. If I transfer $500 into my credit card account, would that increase my credit limit to $1500?",
"title": "Can I increase my credit limit by transferring money to my Credit Card account?",
"forum": "mone... | 5_8 | [
[
"You will need to call your card company and ask for an increase to your credit limit.",
"Not all banks handle this the same. You will need to call your credit card issuer and ask for a credit limit increase. If you pay money in, you don't increase your \"credit\" limit, but you do increase your “spendin... | {
"rel_sent_not_in_cluster": [
false
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"S7: So, I don't increase my \"credit\" limit, but I do increase my spending limit.",
"S0: No. You will need to call your credit card issuer and ask for a credit limit increase. ",
"S9: Not all banks handle the same."
]
] |
[
{
"sents": [
{
"text": "The biggest factor is: Are you really going to invest the difference?",
"label": [
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"label_summ": [
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{
"text": "It is ... | {
"question": "What factors are to be considered when deciding to go with a 15 year fixed vs a 30 years fixed?Pretty simple really; I could make the payments on a 15 year fixed, but at today's low interest rates, am I better off taking the difference and investing it?",
"title": "What factors are to be considered w... | 5_9 | [
[
"The 30 year loan will cost you more over the life of the loan. It will also have a slightly lower interest rate.",
"The 30 year loan will usually cost you more over the life of the loan because of the length of it. In general, it makes more sense to go for the 15 year fixed if you can afford it, as you'l... | {
"rel_sent_not_in_cluster": [
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1
] | [
[
"The 30 year loan will usually cost you more over the life of the loan because of the length of it. In general, it makes more sense to go for the 15 year fixed if you can afford it, as you'll pay down far more in principal than if you go for a 30 year. A 15-year fixed has a slightly lower interest rate than ... |
[
{
"sents": [
{
"text": "Think about the implications if the world worked as your question implies that it \"should\": A $15 share of stock would return you (at least) $15 after 3 months, plus another $15 after 6 months, plus another after 9 and 12 months.",
"label": [
0
]... | {
"question": "This may sound obvious to you, but I'm new to all this. Why is the stock market price for a share always higher than the earnings per share? For example, the stock price for a company like NVE today is 15.53$ but its EPS is 0.87$. We would have to wait quite a while (like 4 years: ~1$ x 4 quarters x ... | 5_11 | [
[
"When you buy stock, you are paying for a stream of earnings. As an investor you want to look for stocks with a low share price that will give you high earnings.",
"Earnings per share are not directly correlated to share price. When you buy stocks, you are really paying for a STREAM of earnings, from now ... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
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1
] | [
[
"Earnings per share are not directly correlated to share price. When you buy stocks, you are really paying for a STREAM of earnings, from now until a time in the future. ",
"Stock prices are set by supply and demand. If a particular stock has a high EPS, say, $100, then people will bid more for that stoc... |
[
{
"sents": [
{
"text": "A company's stock value is indicative of the market's collective belief of the future of the company.",
"label": [
0
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"label_summ": [
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},... | {
"question": "A company's book value is the worth of all their assets. What would cause a stock to trade below book value?",
"title": "What could cause a stock to trade below book value?",
"forum": "money.stackexchange.com",
"question_tags": "<investing><stock-analysis><book-value>",
"link": "money.stackexch... | 5_12 | [
[
"Assets don't have a single well-defined value. If the stock is selling below book value, then the assets are not earning enough to satisfy investors.",
"A company’s book value is the value that accountants place on their assets, minus the accountants estimates of their liabilities, but most assets don't ... | {
"rel_sent_not_in_cluster": [
false
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1
] | [
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"The relationship of between price and book value will vary according to the quality of the company, the category of stock, etc. ",
"A company’s book value is the value that accountants place on their assets, minus the accountants estimates of their liabilities, but most assets don't have a single well-d... |
[
{
"sents": [
{
"text": "It is absolutely worth it.",
"label": [
0
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],
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{
"text": "My wife and I have two of these accounts (differe... | {
"question": "I am trying to decide what to do with my emergency fund. Looking around I found a bank giving out a 4.09% APY up to $10K USD. This will generate approximately $34 USD/Month. They require that you do 12 transactions per month and at least one online bill payment. Is anyone else going through the ... | 5_13 | [
[
"You probably won't find a better return and still keep your funds available. You need to think of an easy way to jump through these hoops and not forget.",
"You're not likely going to find many other options that will give you a better (and safe) return and still keep your funds available for when you ne... | {
"rel_sent_not_in_cluster": [
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} | [
1
] | [
[
"You're not likely going to find many other options that will give you a better (and safe) return and still keep your funds available for when you need them. You could receive money every month for doing something you already do.",
"If you can think of an easy way to jump through these hoops and not forge... |
[
{
"sents": [
{
"text": "It just takes a decent power outage to make it worth having some cash on hand.",
"label": [
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"text":... | {
"question": "I was in the office of one of the investment companies and on the brochure they said that 13% of people keep money at home. I wonder if there is a good reason to do that. even if banks would fall the currency would follow, right? Is there any good reason to do that? In what scenarios that might be a... | 5_14 | [
[
"Having some cash on hand at home can be a lifesaver in a disaster. However, houses burn down more often than banks fail. You could keep an emergency fund at home in cash.",
"It is an assumption that you'll always be able to (a) access your money at your bank, either via teller transaction or ATM, and (b)... | {
"rel_sent_not_in_cluster": [
true
],
"cluster_sents_not_matched": [
[
"Also, I'll bet the odds that FDIC will insure the loss of money in a bank is much higher than the odds of a homeowner's policy believing a huge pile of cash burned up in your house"
]
]
} | [
1
] | [
[
"It is an assumption that you'll always be able to (a) access your money at your bank, either via teller transaction or ATM, and (b) pay with a debit card or credit card. It just takes a decent power outage to make it worth having some cash on hand. Cash can also be a lifesaver after a natural disaster. If ... |
[
{
"sents": [
{
"text": "There actually are legitimate reasons, but they don't apply to most people.",
"label": [
0
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"label_summ": [
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-1
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},
{
"text": "... | {
"question": "Every year I get a refund and the tax software asks me if I'd like to apply some of my refund to next year's taxes. Is there some benefit I'm not seeing to this? Because it looks like a bad deal to me.",
"title": "Why would you elect to apply a refund to next year's tax bill?",
"forum": "money.st... | 5_15 | [
[
"It saves you from having to keep the money aside to pay your taxes next year. Otherwise, it just lets them keep your money, interest free, for another year.",
"If you end up owing money in the next tax year, you will have the rest of the year to adjust your withholdings and/or make quarterly payments. By... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
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} | [
1
] | [
[
"If you end up owing money in the next tax year, you will have the rest of the year to adjust your withholdings and/or make quarterly payments.",
"S5: You're planning on declaring bankruptcy, and you're under the Tenth Circuit, ",
"S1: It saves the government from processing your refund as a check or... |
[
{
"sents": [
{
"text": "Start now.",
"label": [
0
],
"label_summ": [
0
],
"cluster_id": [
[
-1
]
]
},
{
"text": "It's a lot easier to save now than it is to start to save later."... | {
"question": "I just started out with my first job and I was curious, what is a good time when I should start with my long term saving plans? Update: Thanks for the advice and I was expecting that answer. So my detailed question would be, how should I plan it? How did you guys go about it? Fixed deposits (safe)? ... | 5_16 | [
[
"Start as early as possible and make your savings routine. Save a little money from every paycheck. Contribute to your employer's retirement plan, they will match everything you pay in.",
"It is easier to save now than later, so start as early as possible. Start a saving routine and save something out of ... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"It's easier to save now than later, so start as early as possible.",
"Start a saving routine and save something out of each paycheck. Also contribute to your employer retirement plan, to the maximum amount they will match.",
"Act like you are a college student - live on the minimum amount you need an... |
[
{
"sents": [
{
"text": "A simple response is that it's a good political/strategic move.",
"label": [
0
],
"label_summ": [
0
],
"cluster_id": [
[
-1
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{
"text": "Ford have ef... | {
"question": "As an example, Ford Motors recently reinstated its dividend. It still has a lot of debt and a high debt-equity ratio . Its bonds are still rated as junk. Why would a company like this spend its cash paying dividends? Wouldn't the long-term value of such a company be improved more by paying down de... | 5_17 | [
[
"They paid off a lot of debt before reinstating the dividend. They have said that they think the future is good, so it makes sense to do it.",
"Even though Ford has debts, they know that the long term future is so good so they can return to paying dividends. Ford also paid off a lot of debt prior to reins... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
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} | [
1
] | [
[
"Even though Ford has debts, they know that the long term future is so good so they can return to paying dividends. Ford also paid off a lot of debt prior to reinstating the dividend.",
"A company might pay dividends due to pressure by influential stockholders and some companies continue the practice of p... |
[
{
"sents": [
{
"text": "While it's not true that you have to use leverage to participate in Forex, the alternative makes it impractical for most people to be able to do so.",
"label": [
1
],
"label_summ": [
0
],
"cluster_id": [
... | {
"question": "I heard today that all Forex traders are forced by the Forex companies to use large leverages. Is this true? I understand this might be good for some companies, but possibly bad for the traders. How come that all Forex companies do this (if true), and no company allows to just trade without leverage?"... | 5_18 | [
[
"It is not compulsory but most traders do it. Trading without leverage has little value. Forex companies make profit from the fees.",
"No one is forced to use leverage, yet most Traders do so. You do not have to use leverage to participate in Forex, but it is impractical for most people not to do so. Leve... | {
"rel_sent_not_in_cluster": [
false
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"cluster_sents_not_matched": [
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} | [
1
] | [
[
"No one is FORCED to use leverage, yet most Traders do so. You do not have to use leverage to participate in Forex, but it is impractical for most people not to do so. ",
"Leverage in the Forex market is not like Leverage in the stock or commodities market. Trading without leverage has little value, whil... |
[
{
"sents": [
{
"text": "Please note: I am not a lawyer.",
"label": [
0
],
"label_summ": [
0
],
"cluster_id": [
[
-1
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},
{
"text": "I will assume you are in the United States."... | {
"question": "I received a check personally written to me from a family member. The family member that wrote & sent me the check wrote where you write out the amount of what the check is suppose to be for, in words, \"Fifty Dollars-------00/00\". Then, in the box above where you write the amount with numbers, they... | 5_19 | [
[
"The written amount legally takes precedence, however the bank might not accept the check if the amounts are different.",
"Where there are contradictory terms, typed terms prevail over printed, handwritten over both, and words prevail over numbers. Where there is a discrepancy between written and numerica... | {
"rel_sent_not_in_cluster": [
false
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"cluster_sents_not_matched": [
[]
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} | [
1
] | [
[
"Where there are contradictory terms, typed terms prevail over printed, handwritten over both, and words prevail over numbers. Where there is a discrepancy between written and numerical amounts on a check, the written amount legally takes precedence over the numerical amount.",
"If the word and number am... |
[
{
"sents": [
{
"text": "With the big nationwide firms (H&R Block, Jackson Hewitt, etc), they typically guarantee against calculation errors.",
"label": [
1
],
"label_summ": [
0
],
"cluster_id": [
[
0
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... | {
"question": "If I pay an accountant to prepare my taxes, and then I'm audited, is it typical for the accountant to handle the audit as part of the original filing fee, or will he/she charge me by the hour to deal with the audit? I understand there's probably variance between accounting firms, but I'm wondering wha... | 5_20 | [
[
"Some companies offer audit insurance or offer free audit assistance.",
"Some accountancy firms, especially the larger ones, usually guarantee against calculation errors, so that if you are audited as a result of their error, they will be responsible for any associated fines and interest, and represent yo... | {
"rel_sent_not_in_cluster": [
false
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"cluster_sents_not_matched": [
[]
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} | [
1
] | [
[
"Some accountancy firms, especially the larger ones, usually guarantee against calculation errors, so that if you are audited as a result of their error, they will be responsible for any associated fines and interest, and represent you for the audit. If the audit was not due to their error, they would charge ... |
[
{
"sents": [
{
"text": "What is your investing goal?",
"label": [
0
],
"label_summ": [
0
],
"cluster_id": [
[
-1
]
]
},
{
"text": "And what do you mean by investing?",
"l... | {
"question": "Is it feasible to invest a very small amount of money? If it is, how can I attain it?",
"title": "How can I invest my $100?",
"forum": "money.stackexchange.com",
"question_tags": "<investing><investment-strategies>",
"link": "money.stackexchange.com/questions/14024",
"author": "money.stackex... | 5_21 | [
[
"You can open a discount brokerage account and buy a share in a company you like. The money from the dividends could go into adding shares. A savings account can also be a good option for putting money aside.",
"You could buy shares in a company and use the money from the dividends to buy additional share... | {
"rel_sent_not_in_cluster": [
true
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"Buy shares in a company and use money from the dividends to buy additional shares",
"Buy an I-bond from Treasurey Direct.",
"Put in a savings account. Even though interest not significant now can still help grow your money, especially if you make regular deposits",
"Start a business",
"A 5-ye... |
[
{
"sents": [
{
"text": "Using your credit card: May earn points for your credit card rewards program Major credit cards usually have lower APR's than store credit cards, so smaller interest charges if it takes you a while to pay Convenience of all expenses appearing on one bill, easier to pay down... | {
"question": "I am interested on buying a computer (approximate cost USD 600). I can pay for it either with my credit card, or apply for credit in the computer store. What are the advantages of using one form of payment over the other?",
"title": "Is it better to buy a computer on my credit card, or on credit ... | 5_22 | [
[
"Since you already have the credit card, you may as well use that. You may earn points and credit cards generally have lower APRs than store credit. Make sure you check the terms of the store credit carefully.",
"Credit cards have the advantage of sometimes having lower interest charges over a longer peri... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
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} | [
1
] | [
[
"Credit card has the advantage of sometimes having lower interest charges over a longer period. It also has the convenience of all your expenses showing on one bill. You can also earn points by using your credit card.",
"In the end which to use depends on the terms.",
"With store credit you may get a ... |
[
{
"sents": [
{
"text": "Many banks offer online payment.",
"label": [
1
],
"label_summ": [
1
],
"cluster_id": [
[
0
]
]
},
{
"text": "He can add a payee and just type your name a... | {
"question": "My friend is a paraplegic. He can't go to the bank and wire the money. He used to send money from our partnership via paypal. Now I am banned from paypal. What's the alternative? Google checkout? I need something that won't limit my account. I'm in Indonesia and my friend is in the US.",
"title": "H... | 5_23 | [
[
"You can wire money by telephone or using a bank's online service. You could also try MoneyGram and Western Union to wire money.",
"Many banks offer online payment or will offer bank wires via telephone. Banks will also mail a check out if they cannot deliver payment electronically. The bank could also pu... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"Many banks offer online payment or will offer bank wires via telephone. Banks will also mail a check out if they cannot deliver payment electronically. The bank could also put the money on a gift card and send them to you in the mail.",
"If wire transfer through your bank does not work then use one of th... |
[
{
"sents": [
{
"text": "Account number are Unique based on the following combinations, based on manual banking practise of early days;",
"label": [
0
],
"label_summ": [
0
],
"cluster_id": [
[
-1
]
]... | {
"question": "If somebody sends me money and I write the swift code wrong, will the money go somewhere else? I know bank account numbers are unique within a bank, but will are they unique globally? Update: I found a case titled Money withdrawn to wrong bank account and no response from Paypal (fortunately not my... | 5_24 | [
[
"The bank id number and account number combination will be unique. ",
"Most people believe that within a bank or group of banks owned by the same company that account numbers are uunique, but some people have had the unfortunate experience that this is not the case. What is unique is the bank id number an... | {
"rel_sent_not_in_cluster": [
true
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"cluster_sents_not_matched": [
[]
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} | [
1
] | [
[
"Most people believe that within a bank or group of banks owned by the same company that account numbers are uunique, but some people have had the unfortunate experience that this is not the case.",
"What is unique is the bank id number and account number combination. There are two unique identifiers for... |
[
{
"sents": [
{
"text": "There are legitimate reasons:",
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"text": "She is a sole proprietor, and doesn't want to ... | {
"question": "My barber accepts only cash or checks made out to \"Cash\". Is there a likely legitimate reason she might want the checks made out to \"Cash\"? Or am I helping her hide her revenue from the IRS?",
"title": "A merchant requests that checks be made out to \"Cash\". Should I be suspicious?",
"forum"... | 5_25 | [
[
"It means that she hands her checks to a third party. She might have a judgment against her and can't hold a bank account. It could also mean that the business doesn't legally exist or because they want to evade taxes. You are not committing a crime by paying in cash.",
"People may presume the only reason... | {
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1
] | [
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"It could be the simplest of reasons such as them not having a bank account, so needing to hand to a third party.",
"People may presume the only reason is that they are breaking the law e.g. to evade taxes, to not pay child support or hide income in bankruptcy proceedings or have had a judgement made agai... |
[
{
"sents": [
{
"text": "The simple answer: Because you believe every other option can yield greater losses...",
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},
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... | {
"question": "I read that France is selling bonds at Negative Interest Rates , and more recently Germany Started in 2016 . I understand why this is beneficial for France, but why in the world would I pay money to let someone hold my money ? Thanks for the update 200_success",
"title": "Why would I buy a Bo... | 5_26 | [
[
"Every other option could yield greater losses. Investors believe that rates will go more negative and they will make money. In times of deflation, a negative return could provide a net positive return. ",
"Treasury bonds are often viewed as safe investments where cash isn't appropriate. Bonds are sometim... | {
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] | [
[
"You may believe that every other option will yeild even greater losses and even though it may appear that you are losing money with such a bond, it might still be less than hedging costs associated with other options.",
"Some investments guarantee a certain percentage is allocated to bonds and in times o... |
[
{
"sents": [
{
"text": "The moment the dividend is announced, especially from a company that doesn't normally pay dividends, the dividend is factored into everybody's analysis.",
"label": [
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"cluster_id": [
... | {
"question": "Apple announced a dividend of $2.65/share on August 16th. I was thinking... could somebody buy, say 1,000 shares of Apple, receive the dividend, and then sell the shares right back? http://www.latimes.com/business/technology/la-fi-tn-apple-dividends-20120724,0,6646852.story",
"title": "Can dividends... | 5_27 | [
[
"Dividends are tied to a date. You can't exploit the drop in price by short-selling. You would have to pay back the dividend.",
"Dividends cannot really be exploited. They are tied to an ex-dividend date. In addition, you cannot exploit the drop in price by short-selling, as you would owe the dividend to ... | {
"rel_sent_not_in_cluster": [
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] | [
[
"Dividends cannot really be exploited. They are tied to an ex-dividend date. In addition, you cannot exploit the drop in price by short-selling, as you would owe the dividend to whoever has lent you the stock.",
"Somebody could, in principle buy shares, receive the divident and then sell the shares back, ... |
[
{
"sents": [
{
"text": "The opposite of a hedge is leverage (aka gearing).",
"label": [
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"label_summ": [
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"cluster_id": [
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{
"text": "A hedge is where you spend... | {
"question": "As an example of what I mean, when you buy a stock but are afraid that it might go down, you \"hedge\" your bet. What is the opposite of a hedge? In other words, what do you do if you are convinced it will go up in value and you want to profit from it?",
"title": "What is the opposite of a hedge?",
... | 5_28 | [
[
"The opposite of hedge is leverage. You could also call it speculating. ",
"You could say that the opposite of a hedge is leverage or gearing or speculating. Or simply the opposite of a hedge is simply not having a hedge at all or being unhedged. "
]
] | {
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} | [
1
] | [
[
"You could say that the opposite of a hedge is leverage or gearing.",
"Some would say the opposite of a hedge is simply not having a hedge at all.",
"The opposite of a hedge is being unhedged.",
"The opposte of hedging is speculating"
]
] |
[
{
"sents": [
{
"text": "\"ASSUMING a person knows how to use and invest their money wisely\" I'd ask if you were wise enough to beat the investments offered in your 401(k) after expenses, and with respect to the potential tax savings.",
"label": [
1
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"label_summ... | {
"question": "I would rather invest my money on my own how I see fit and plan my retirement custom-style. ASSUMING a person knows how to use and invest their money wisely, would it still be a bad idea to entirely disregard a 401k plan?",
"title": "Would any experienced individual balk at the idea of ignoring a 40... | 5_29 | [
[
"The question is whether you are wise enough at investing to beat the investments offered in a 401k and the tax savings. There are 401k plans that offer a range of investments. ",
"Generally speaking no, but it depends on the details. You would probably lose more than you would gain and you would need a ... | {
"rel_sent_not_in_cluster": [
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} | [
1
] | [
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"Generally speaking no, but it depends on the details. ",
"You would probably lose more than you would gain and you would need a lot of skill to beat the investments offered in your 401K after expenses.",
"Choices are limited in a 401k, but we should still come out ahead with that free money as it is... |
[
{
"sents": [
{
"text": "I don't like paying the percentage on the supermarket coin counters, and don't feel like buying a coin counter",
"label": [
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"label_summ": [
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"cluster_id": [
[
-1
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]... | {
"question": "My change-jar is full, mostly with denominations < 50p. Last time I emptied it, I took it to a machine at the supermarket: ...but it charged me for the privilege of turning my change into usable funds to the order of 8.9% - quite a large cut. How can I turn my full change-jar into usable cash as eff... | 5_30 | [
[
"Get into the habit of taking a few out with you and use them for small food shops. You can use the self checkout machines to put in all the coins. If you are making a deposit at the bank, add in some change.",
"Keep higher value coins for vending machines, parking meters etc, and put lower value coins in... | {
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} | [
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] | [
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"Keep higher value coins for vending machines, parking meters etc, and put lower value coins in charity boxes. Make a habit of taking some with you each morning. On your way home, spend it on a very small shop, i.e. a loaf of bread, a pint of milk, by using the self-check out, which has a coin slot. Also if ... |
[
{
"sents": [
{
"text": "SPY is up 29% YTD.",
"label": [
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"text": "If you are 100% S&P and not up 28.9% plus your deposits, ... | {
"question": "I'm 34. 100% of my 401k goes into an S&P index fund. I'm up about 25% this year. If this were in my brokerage account I'd probably cash out some of the profits and hold onto it and buy more shares as the market eventually comes back down. But this being a 401k which has semi-monthly deposits from my ... | 5_31 | [
[
"You are not going to be able to predict the market enough to make this a viable strategy. It would be better to leave the 401k as it is. Think about your investments as a whole when planning.",
"You are probably not going to be able to predict the ups and downs of the market well enough to have a viable ... | {
"rel_sent_not_in_cluster": [
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} | [
1
] | [
[
"You are probably not going to be able to predict the ups and downs of the market well enough for that to have a viable strategy. It is probably best to leave the 401K where it is – as it is a nice simple fund with very low expenses.",
"Or you could reallocate to your target asset allocation.",
"You... |
[
{
"sents": [
{
"text": "Assuming United States As far as \"Will they will allow you to do that?",
"label": [
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"text": "\"",... | {
"question": "I just bought a house. My girlfriend is going to be living with me, but the house is in only my name. To split the expenses, we are planning on her paying all of the utilities. Is there any problem with the home being in my name, but the gas, electricity, etc. being in hers? Update: We are in a seri... | 5_32 | [
[
"This isn't normally a problem. It might mean that the providers will only speak to her if there's a problem. It's also good to have multiple proofs of address, so have bills in both of your names is useful.",
"It is up to you who is responsible for paying what. Most companies are just happy to take the m... | {
"rel_sent_not_in_cluster": [
false
],
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} | [
1
] | [
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"It is up to you who is responsible for paying what. Most companies are just happy to take the money. One partner can pay some utilities and the other pay others Having a mismatch between the name of the utility bill and the credit card/bank account you use to pay also isn't normally a problem.",
"But bea... |
[
{
"sents": [
{
"text": "It will cost the same no matter what currency you use, unless you have access to a deal with a currency exchange that gives you an especially favourable conversion rate for a particular currency.",
"label": [
1
],
"label_summ": [
... | {
"question": "Suppose that I want to buy something in GBP (pounds). How do I determine whether which costs less: CAD (Canadian Dollars) or HKD (Hong Kong Dollars) or USD, all three of which I possess? First, would I compare CAD vs HKD? http://www.xe.com/currencycharts/?from=CAD&to=HKD&view=1Y shows that CAD has ... | 5_33 | [
[
"It will cost the same whatever you do, unless you have an especially favourable conversion rate. You will lose money every time you convert between two currencies. ",
"International exchange rates are arbitraged. It will cost the same regardless of which currency you use, unless you have access to a deal... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
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} | [
1
] | [
[
"International exchange rates are arbitraged. It will cost the same regardless of which currency you use, unless you have access to a deal with a currency exchange that offers you a favourable conversion rate for a specific currency. ",
"On the other hand, the cost to you may vary. You lose money every... |
[
{
"sents": [
{
"text": "If you are purchasing something you would have purchased anyway, and if the rewards purchase yields a higher purchase power than would cash, it makes sense to shop using those rewards.",
"label": [
1
],
"label_summ": [
1
]... | {
"question": "I have a credit card with cash back rewards. I can use these rewards to go shopping on Amazon, for example, to buy gift cards, to pay off the balance, and possibly some other options that I may have missed. My instinct is to simply put the cash back towards the balance. However, are there any other be... | 5_36 | [
[
"If you are purchasing something you would have anyway, however using the reward will reduce the reward you receive for this purchase. If you take it as a gift card, you get the benefit for future spending.",
"If you are purchasing something you would have purchased anyway, and if the rewards purchase giv... | {
"rel_sent_not_in_cluster": [
false
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"cluster_sents_not_matched": [
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} | [
1
] | [
[
"If you are purchasing something you would have purchased anyway, and if the rewards purchase gives you a higher purchase power than cash, then using rewards would make sense. But you could say that using a reward balance towards purchases actually reduces the rewards you'd be getting for these purchases.",
... |
[
{
"sents": [
{
"text": "Traders = every market participant.",
"label": [
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],
"label_summ": [
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],
"cluster_id": [
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},
{
"text": "Not some shadow figure that excludes you... | {
"question": "Of course, bad news would drive the traders to trade the stock at a lower price, but theoretically, if the traders didn't bother, can the stock price stay at the same value?",
"title": "Are traders 100% responsible for a stock's price changes?",
"forum": "money.stackexchange.com",
"question_tags"... | 5_37 | [
[
"Traders trade based on the perceived future value of the company. The price is determined by what people are willing to pay for it. ",
"By traders, what is meant is anyone who buys or sells stock. Traders are 100% responsible for the prices of stock and it is the perceived future value that leads them to... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
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} | [
1
] | [
[
"By traders, what is meant is anyone who buys or sells stock.",
"Traders are 100% responsible for the prices of stock and it is the perceived future value that leads them to buy and sell shares. So the value of stock is determined by what people are willing to pay for it and what they are willing to sell ... |
[
{
"sents": [
{
"text": "The only problem, besides having to update your information if you change banks, has been an unintended issue.",
"label": [
0
],
"label_summ": [
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"cluster_id": [
[
-1
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]... | {
"question": "After many years, my employer is offering direct deposit. I've used direct deposit before at other jobs. Are there any downsides or cons to using direct deposit?",
"title": "What, if any, are the downsides of direct deposit?",
"forum": "money.stackexchange.com",
"question_tags": "<income><depos... | 5_38 | [
[
"It provides a paper trail of where you deposit your money. If you change banks, you need to notify your employer. Various people at your company will have your banking information. In case of legal trouble, your accounts can be frozen.",
"Some people feel that by providing their employer with their accou... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
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} | [
1
] | [
[
"Direct deposit as a convenience that can save a lot of time. It does provide a paper trail of where you deposit your money. One of the few downsides is that if you change banks or accounts, you need to remember to inform your employer.",
"Some people feel that by providing their employer with their accou... |
[
{
"sents": [
{
"text": "Risk is the problem, as others have pointed out.",
"label": [
0
],
"label_summ": [
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],
"cluster_id": [
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},
{
"text": "Your fixed mortgage interes... | {
"question": "I'm wondering if this investment strategy would work: I get a mortgage loan for $300K at a 3% rate (realistic for current 5-year fixed mortgage rates here in Canada). I invest the proceeds in a low-fee index fund, such as Vanguard's Total Stock Market Index. I use the interest to cover the mortgage... | 5_39 | [
[
"Your fixed mortgage rate is for a set period of time only. Borrowing to invest amplifies your risk. You might lose the money you borrowed.",
"In addition, it is also quite likely that the income by itself will not cover the interest on your mortgage, which means that you may have to sell units or cover s... | {
"rel_sent_not_in_cluster": [
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],
"cluster_sents_not_matched": [
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1
] | [
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"A fixed mortgage interest rate is for a set period of time only.",
"Essentially, what you're describing is a leveraged investment, which amplifies your risk greatly. Investing your own money in the market has the risk that you might lose what you started with, but if you borrow to invest, you might lose ... |
[
{
"sents": [
{
"text": "There's a couple of considerations here.",
"label": [
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"text": "Firstly, would this activity count ... | {
"question": "Basically I am considering starting a game server that has optional donations for people to gain little perks.All the money donated will go towards the upkeep of the server, and any excess will go towards paying for the months that donations aren't enough to cover all the costs. Will there be any taxe... | 5_40 | [
[
"You would be required to register as self-employed. You could offset the expenses of running the service against tax.",
"If you are trading you are legally required to register as self-employed. A key feature as to whether is classed as trading is whether you are aiming to make a profit or not. There ar... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
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} | [
1
] | [
[
"If you are trading you are legally required to register as self-employed. A key feature as to whether is classed as trading is whether you are aiming to make a profit or not. ",
"There are thousands of clubs and societies in the UK that are not required to register for tax purposes. In the UK, companie... |
[
{
"sents": [
{
"text": "You should not open bank accounts just to get additional credit cards.",
"label": [
1
],
"label_summ": [
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],
"cluster_id": [
[
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},
{
"text": "You sh... | {
"question": "Is it ok for an individual to open many (10+) current accounts with different banks? I have no business. The reason behind that is that I usually get a credit card with every new bank account I open, which is to me like insurance in case something happens and I need to pay my bills quicklyI live in t... | 5_41 | [
[
"It's not unreasonable to have a credit card for emergencies. You should be careful about having too many credit cards and incurring too much debt. You are also more likely to be targeted by con men. ",
"It is unlikely that you will be approved for multiple current accounts opened in rapid succession. It ... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"It is not a good idea to open bank accounts just to get additional credit cards. In addition, having too many credit cards could mean you incur too much debt.",
"It is a good idea to have one or two credit cards to keep for emergencies, as long as you don't spend money unwisely and they don't have any an... |
[
{
"sents": [
{
"text": "No.",
"label": [
0
],
"label_summ": [
0
],
"cluster_id": [
[
-1
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},
{
"text": "In good years, the income seems free.",
"label": [
0
... | {
"question": "Suppose a retiree wants to generate stable income from selling S&P500 (or other stock index) put options. Is this an advisable strategy for a retiree?",
"title": "Is selling put options an advisable strategy for a retiree to generate stable income?",
"forum": "money.stackexchange.com",
"question_... | 5_42 | [
[
"Study the subject thoroughly. In retirement your portfolio is supposed to move into more low risk options.",
"You cannot \"generate stable income\" by \"selling puts\" and therefore not advisable. If you really want to do this, then study the subject and the terminology thoroughly, which as a retired per... | {
"rel_sent_not_in_cluster": [
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1
] | [
[
"You cannot \"generate stable income\" by \"selling puts\" and therefore not advisable.",
"If you really want to do this, then study the subject and the terminology thoroughly, which as a retired person, you may have time to do.",
"At retirement age, your portfolio should be of low risk and stable inv... |
[
{
"sents": [
{
"text": "You have to be the owner of record before the ex-dividend date , which is not the same day as the date the dividend is paid.",
"label": [
1
],
"label_summ": [
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],
"cluster_id": [
[
0
... | {
"question": "What prevents investors from buying high yield stocks and selling them as soon as their dividend is paid out? I guess I am confused: If you know the yield and when the dividend will be paid out, why not buy a share an instant before the dividend is paid out and then sell it? Do you have to have hel... | 5_43 | [
[
"After a company pays dividends, it's stock price normally drops. Therefore you won't make any money from selling it back. You will also pay transaction fees and possibly taxes.",
"If you are the first order of the day, before market forces cause a price move, you will have zero gain, because the dividend... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
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} | [
1
] | [
[
"The ex-dividend date is not the same day as the date the dividend is paid.",
"If you are the first order of the day, before market forces cause a price move, you will have zero gain, because the dividend is built into the price.",
"Once a company has paid out dividends, its stock price normally drop... |
[
{
"sents": [
{
"text": "There are several brokerages which have lower minimum deposits (often $500) and allow purchase of index ETFs.",
"label": [
1
],
"label_summ": [
0
],
"cluster_id": [
[
1
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]
... | {
"question": "My pre-teen daughter saved up a $1000 and I thought it might teach her how finances work if we invested it in a mutual fund. Specifically in an index fund like S&P 500 or some such. The problem is that most funds I found have larger minimums than $1000. Case and point, VFINX and VTSMX from Vanguard ... | 5_44 | [
[
"Ask a financial advisor at your bank. You can invest in Vanguard Star with $1000. A diversified index fund is a great equity investment for the long term.",
"Probably the best idea is to go to your bank and speak to a financial advisor. There are several brokerages with minimum deposits often as low as ... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"Probably the best idea is to go to your bank and speak to a financial advisor.",
"There are several brokerages wITH minimum deposits often as low as $500 and which allow purchase of index ETFs. Target Date funds for Vanguard have a $1,000 minimum too and Vanguard STAR have a minimum of only $1000 (VGSTX)... |
[
{
"sents": [
{
"text": "Since the credit score is generated from a secret formula by FICO, there can only be two kinds of evidence: Statements from FICO themselves.",
"label": [
0
],
"label_summ": [
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],
"cluster_id": [
[
... | {
"question": "In North America, it is common advice to make your credit card shows utilization. That is, let some balance remain until the statement issues so that utilization will be reported to the credit agencies. (Of course, pay it off before the due date to avoid interest payments.) However, is there any evide... | 5_47 | [
[
"You are less likely to get additional credit if the company sees 0 utilization. They might consider that you don't use it because you are afraid you can't pay for it, or don't properly manage your liabilities. ",
"An institution is less likely to extend additional credit if they see 0% utilization on the... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
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} | [
1
] | [
[
"Whenever we talk about credit utilization's affect on credit score, it is important to note that utilization has no history. Comparing low utilization of 1-2% vs 0% for differences are problematic, as the utilization factor - which is empirically known - stops having a meaningful effect on your scores below... |
[
{
"sents": [
{
"text": "The IRS provides a little more information on the subject on this FAQ: Will I be charged interest and penalties for filing and paying my taxes late?",
"label": [
0
],
"label_summ": [
0
],
"cluster_id": [
... | {
"question": "IRS Topic 301 states You will owe interest on any past-due tax and you may be subject to a late-payment penalty if the payment of tax is not made by the original due date of your return. The wording of may be subject to had me wondering, under what circumstances does the IRS choose to charge or... | 5_48 | [
[
"The IRS seems to apply late payment when they issue a paper notice. There is also \"reasonable cause\" that they will consider for why you didn't file a tax return. They will often waive the penalty if you have a clean tax record. ",
"The IRS seems to apply the late payment penalty when they issue a writ... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
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} | [
1
] | [
[
"The IRS seemsto apply the late payment penalty when they issue a written paper notice. ",
"If you do not pay your tax on time, you will usually have to pay a late-payment penalty. The fees/interest surcharge is calculated on the entire amount due.",
"If you filed on time and paid what you believed w... |
[
{
"sents": [
{
"text": "Two options you can try: Go to the store and ask them to refund the difference.",
"label": [
1
],
"label_summ": [
1
],
"cluster_id": [
[
0
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]
},
{
"text"... | {
"question": "I bought a PC for € 2199 (about $2500 USD) 8 days ago. Today I saw that the same store where I purchased it sells the same product for € 130 less. Unfortunately, I can't just bring it back* and re-buy it because I have already littered the packaging. What can I do in order not to have paid too much? *... | 5_49 | [
[
"You should go back to the store and ask them to refund the difference. You are allowed to return an item for any reason within 14 days. They want to keep their customers happy so they may offer you a goodwill gesture. You could also try buying the item again at the new price and returning it using the old re... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"You could go to the store and ask them to refund the difference. Or they may offer you a goodwill gesture as they want to keep their customers happy. ",
"Alternatively, you could buy the identical item again at the new price, then return it using the old receipt. If the packaging does not have the seria... |
[
{
"sents": [
{
"text": "The difference between the two numbers is that the market size of a particular product is expressed as an annual number ($10 million per year , in your example).",
"label": [
0
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"label_summ": [
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],
"cluster_id":... | {
"question": "Let's say for example, the refrigerator market is sized at 10 million dollars (hypothetical example), if the market cap of a company is, say, 20 million, is it worth investing in the stock? Can it ever happen that a company's market cap exceeds the total market size (or say addressable market size)?",
... | 6_0 | [
[
"The market value of a stock is a long-term valuation of the company. It is the number of shares multiplied by the share price. Market size is expressed as a period figure. It would be the total annual revenue in one period.",
"First you should understand that this compares flows with levels. The market ... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
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} | [
1
] | [
[
"First you should understand that this compares flows vs. levels. ",
"The market cap of a company is the number of shares multiplied by the share price and is a long-term valuation of the company.",
"Market size is the total annual revenue in one market, in one year. "
]
] |
[
{
"sents": [
{
"text": "Typically you can use credit card balance transfers to consolidate some, or all, of your other loan balances in one place.",
"label": [
0
],
"label_summ": [
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],
"cluster_id": [
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-1
... | {
"question": "I know very little about my credit cards, all I know is that I make sure to do the minimum payments on time. Some suggested that I do balance transfer?What is that suppose to mean?Can someone pay all my debts from different credits cards and I should pay them monthly instead of paying different credit ... | 6_1 | [
[
"A balance transfer moves your debt from one credit card to another. The reason for doing this would be for a better interest rate.",
"A balance transfer moves your debt from one credit card to another. Although this is typically seen in credit card offers it is not only confined to credit cards. You are... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"A balance transfer moves your debt from one credit card to another. Although this is typically seen in credit card offers it is not only confined to credit cards. You are basically paying off one debt with another.",
"This will usually incur a transfer fee but there are often good deals to be had. The m... |
[
{
"sents": [
{
"text": "It's important to understand that, in general, security transactions involve you and a relatively unknown entity with your broker standing in the middle.",
"label": [
0
],
"label_summ": [
0
],
"cluster_id": [
... | {
"question": "Whenever I sell stocks with Charles Schwab, I cannot access the cash for 3 days after the day I make the sale. A coworker told me that this was called a \"mandatory settlement period\". I was unable to determine the reason for this - is this a restriction just in Charles Schwab that other institution... | 6_2 | [
[
"Trades complete 3 days after. If Schwab gave you access to the funds immediately, this would essentially be a loan. They can also use that money for themselves during that period.",
"This is the standard time set by most securities exchanges. If Schwab made funds available to you as soon as they were rec... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"This is the standard time set by most securities exchanges. If Schwab made funds available to you as soon as they were received, it might still be two days until the money is received as the other side also takes three days, so three days are required to guarantee the money being in your account.",
"Some... |
[
{
"sents": [
{
"text": "It is not unusual for the acquiring company's stock to fall in any time of merger announcement.",
"label": [
1
],
"label_summ": [
1
],
"cluster_id": [
[
0
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]
},
... | {
"question": "Why does the stock price decline when a seemingly promising acquisition is announced & agreed on?",
"title": "Why is AT&T's stock price declining, during the days that they announced the acquisition of Time Warner inc.?",
"forum": "money.stackexchange.com",
"question_tags": "<stocks><stock-analys... | 6_3 | [
[
"It is not unusual for stock to fall after a merger announcement. Markets are generally sceptical about mergers. People try to sell their stocks more than buy them so the value drops.",
"Markets are generally skeptical of the benefits of mergers. Stocks usually fall, because more people try to sell than t... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
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} | [
1
] | [
[
"It is not unusual for an acquiring company's stock to fall at the time of a merger announcement, because it is a material change to the company's financial situation.",
"Some of it relates to the fact the acquirer will either take on new debt to pay for the cost of the acquisition or they will need to is... |
[
{
"sents": [
{
"text": "This is a scam.",
"label": [
1
],
"label_summ": [
1
],
"cluster_id": [
[
0
]
]
},
{
"text": "Do not give them any money.",
"label": [
0
... | {
"question": "Please help me. I'm in contact with someone who is an American soldier. He said that UK HM Revenue & Customs asked him to pay a large amount to recover the funds of his dead father. The total amount is £1,900,000 and the total tax is £109,500.Is it true that the UK is asking him to pay the taxes to rec... | 6_4 | [
[
"This is a scam. A quick search will yield many examples. ",
"This is a well-known scam. A quick search online will yield many examples of this scam. It is one version of the oldest scams out there, where they state have won a prize or an inheritance. This is a story to gain sympathy and encourage you par... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"This is a well-known scam. A quick search online will yield many examples of this scam. It is one version of the oldest scams out there, where they tell you you have won a prize or an inheritance.",
"This is a story to gain sympathy and encourage you part with bank account and other details so that the s... |
[
{
"sents": [
{
"text": "The Federal Reserve website notes that creditors must accept cash for debts on services already rendered, but that businesses may refuse cash for services not yet rendered unless prohibited by local law.",
"label": [
1
],
"label_summ": [
... | {
"question": "Printed on US currency you will find \"THIS NOTE IS LEGAL TENDER FOR ALL DEBTS, PUBLIC AND PRIVATE\". Some businesses have refused to accept larger bills for a long time, as other forms of payment have become more popular, some refuse cash completely. In what cases can a business refuse to accept cash?... | 6_5 | [
[
"Creditors may accept cash for services already rendered, but for services not yet rendered they may refuse it. Any legal tender can be used to settle a debt. If you were told in advance then they can refuse to take cash.",
"Creditors have to take legal tender to settle a debt, but businesses may refuse c... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
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} | [
1
] | [
[
"Creditors have to take legal tender to settle a debt, but businesses may refuse cash for services not yet rendered unless local law prohibits this.",
"If your business model doesn't involve the customer incurring a debt you don't have to take cash. You also don't have to take cash if you inform people cl... |
[
{
"sents": [
{
"text": "I assume this happens to everyone in the US, and I believe the reason is simply due to competition.",
"label": [
0
],
"label_summ": [
0
],
"cluster_id": [
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-1
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},
... | {
"question": "I have just received a new auto insurance bill for the next six months for my comprehensive insurance. It is about 8% higher than the previous six months whereas I have had no new moving infractions and the vehicle is the same as before, meaning older, meaning costing less to replace. What actuarial r... | 6_6 | [
[
"There are other factors that go into making up the price. They might increase everyone in your pool if there have been a lot of recent claims. It could also be to do with age or if your personal situation has changed.",
"Auto insurance includes your potential liability cost and many factors are considere... | {
"rel_sent_not_in_cluster": [
true
],
"cluster_sents_not_matched": [
[]
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} | [
1
] | [
[
"Auto insurance includes your potential liability cost and many factors are considered in addition to claims history, driving record and good student status. For example, your age may trigger a different risk evaluation in their models. When insurers increase their prices it means they are not generating enou... |
[
{
"sents": [
{
"text": "Would a rose smell as sweet if you called it a stench blossom?",
"label": [
0
],
"label_summ": [
0
],
"cluster_id": [
[
-1
]
]
},
{
"text": "Excerpt on gi... | {
"question": "As a waiter/waitress, if I received money from a customer and he/she specifically said that this is not a tip, but a gift , do I need to report it at the end of the night to the restaurant? Do I need to report it on my tax return? According to the article \"An Internal Revenue Service (IRS) spokesp... | 6_7 | [
[
"It is difficult to argue that this constitutes a gift if it was a reward for services, especially as it was at your place of work.",
"It is not a gift if the payment is a reward for services rendered and it is difficult to argue that such payments constitute gifts. If you received it at your place of w... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"It is not a gift if the payment is a reward for services rendered and it is difficult to argue that such payments constitute gifts. If you received it at your place of work after performing a service, for example waiting on the table, it is classed as a tip and subsequently taxable.",
"You may also fin... |
[
{
"sents": [
{
"text": "I think the biggest reason is price ; it's a lot cheaper now than it was to offer these.",
"label": [
1
],
"label_summ": [
1
],
"cluster_id": [
[
0
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]
},
{
... | {
"question": "It used to be that you had to pay to see your credit score and that credit scores were kept a \"secret\" so you'd never know what it was when you went to apply for a loan. However, now, almost every bank is offering people their credit scores for free (even if you aren't a customer of that bank). Why a... | 6_8 | [
[
"It's a lot cheaper now to offer credit checks. If it's a free score, then it's often not accurate. The banks are also soft pulling credit scores to see what they can offer you, so it's easy for them to offer you a free credit check.",
"One of the reasons is that it is a lot cheaper now than it used to be... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"One of the reasons is that it is a lot cheaper now than it used to be to offer these. Plus, when you get a credit score for free, you're not getting a true FICO score. ",
"In addition to offering a credit score, it may also trigger marketing workflow and the bank gets to see your what sort of pre-approv... |
[
{
"sents": [
{
"text": "How would gold have protected you during the 2007/8 crisis?",
"label": [
0
],
"label_summ": [
0
],
"cluster_id": [
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-1
]
]
},
{
"text": "In no way, shape... | {
"question": "Last financial crisis happened 10 years ago - there is the risk of another one some time in the future. I am middle class worker with an average savings. I know that investing in gold should be safe to minimise damages from the next potential financial crisis. Which other investment strategy should I c... | 6_9 | [
[
"You should have a reasonable debt/salary ratio to begin with. The biggest risk in a crisis is losing your job. You should make sure you have cash to make your payments.",
"The ways to protect yourself at any time are by having a reasonable debt/salary ratio. Before thinking of investing or buying gold, y... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"The ways to protect yourself at any time are by having a reasonable debt/salary ratio. Before thinking of investing or buying gold, you should realise that the biggest risk after a crisis is losing your job. Those crises only become an issue if you need your savings during the time of crisis. Those people w... |
[
{
"sents": [
{
"text": "It's worth noting that Warren Buffet is a value investor, not a trader.",
"label": [
0
],
"label_summ": [
0
],
"cluster_id": [
[
-1
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]
},
{
"text": "As s... | {
"question": "Warren Buffet says buy when everyone is selling and sell when everyone is buying. Taking into consideration the support and resistance levels, everyone is selling near the resistance level and everyone is buying near the support levels. If we follow Buffet's advice, aren't we going to incur loss in eve... | 6_10 | [
[
"What he means is to buy up stocks cheaply during a panic and sell off at a high price when things calm down. His price to buy is with respect to his evaluation of intrinsic value.",
"When Buffett says to buy low, sell high, buy in panic, sell in optimism, this relates to his own evaluation of intrinsic v... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
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} | [
1
] | [
[
"When Buffett says to buy low, sell high, buy in panic, sell in optimism, this relates to his own evaluation of intrinsic value, rather than technical patterns. He means act like institutions, accumulate during peak public panic and distribute during peak public euphoria. ",
"Investors and traders have d... |
[
{
"sents": [
{
"text": "Real estate can be rented out (or otherwise \"used\"), so it \"produces\" income.",
"label": [
1
],
"label_summ": [
1
],
"cluster_id": [
[
0
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]
},
{
"tex... | {
"question": "In Berkshire Hathaway 2011 letter , Buffet said that: My own preference – and you knew this was coming – is our third category: investment in productive assets, whether businesses, farms, or real estate. I fail to see how real estate produce periodic profit like farms or business. Isn't real esta... | 6_11 | [
[
"Real estate can produce income from rental or development so it's a better investment because it produces income whether or not the value increases. ",
"Real estate can be rented out or used for other purposes so it produces income or rent. So with real estate you are not only investing in real estate in... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"Real estate can be rented out or used for other purposes so it produces income or rent. So with real estate you are not only investing in real estate in the hopes the value increases, but it is also a better investment because it produces income whether or not the value increases.",
"Real estate can be d... |
[
{
"sents": [
{
"text": "Most mortgages (in the US) accrue interest on a monthly basis, and in that case it doesn't matter on what day(s)",
"label": [
1
],
"label_summ": [
1
],
"cluster_id": [
[
0
]
... | {
"question": "I have a branch where my mortgage is held, very close proximity to my house. I have extra cash flow on a weekly basis. If I make an extra $500 dollars a week, vs paying $2,000 at the end of the month, will this be reduce my mortgage faster?",
"title": "What about paying extra principal on a weekly ... | 6_12 | [
[
"Most mortgages accrue interest on a monthly basis so this wouldn't make a difference.",
"Most mortgage companies accrue interest monthly so paying weekly or bi-weekly would make no difference. Although it is rare, some mortgages so accrue interest daily and in such cases it would help to make earlier pay... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"Most mortgage companies accrue interest monthly so paying weekly or bi-weekly would make no difference.",
"Although it is rare, some mortgages so accrue interest daily and in such cases it would help to make earlier payments. ",
"In the end it is probably best to ask the mortgage company themselves ... |
[
{
"sents": [
{
"text": "Logistics of borrowing in a different country aside, financially if the reason the interest rates are higher is because inflation is expected to be higher, you might be trading smaller interest payments for the depreciation of your mortgage payment in the foreign country.",... | {
"question": "I'm currently living in Germany and can borrow a substantial amount of money at almost no interest, effective 3.4%. In my home country I have several mortgages, basically at the moment funding themselves almost completely via rental income. The interest rates for these mortgages are all between 11.5 ... | 6_13 | [
[
"You will have to ask your bank if you can pay off a mortgage in another country. The exchange rate between the two countries might offset the effects of interest savings.",
"If the inflation in the foreign country is not as high as the interest rates indicate then you might save a little by borrowing at ... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"If the inflation in the foreign country is not as high as the interest rates indicate then you might save a little by borrowing at a lower rate.",
"The bank will need to agree to this and may demand securities. You are usually asked what the purpose of your loan is.",
"Shifting exchange rates are als... |
[
{
"sents": [
{
"text": "they're asking me for my online banking username and password.",
"label": [
0
],
"label_summ": [
0
],
"cluster_id": [
[
-1
]
]
},
{
"text": "is that infor... | {
"question": "Someone is offering to pay me in a sort of sugar daddy/sugar baby arrangement. They want to make online deposits to me, and they're asking me for my online banking username and password. Is that information alone enough for them to be able to take my money out of my account, or am I safe?",
"title": ... | 6_14 | [
[
"Having that information can let them take money out of your account. You will have agreed with your bank not to give your password to anyone. All they need is your account number and sort code. He might be doing it so he can keep control and take back the money at any time.",
"If anyone is asking for you... | {
"rel_sent_not_in_cluster": [
true
],
"cluster_sents_not_matched": [
[
"There is also control at play here - if the sugar daddy doesn't get what he wants, he wants control of the sugar baby account to take back his money or re-assert control."
]
]
} | [
1
] | [
[
"If anyone is asking for your log in this is probably a scam and they want to steal your money. They don't need that information to deposit funds to your account, but having that information will allow them to take money out of your account. Also, in the fine print of the terms of service with your bank you p... |
[
{
"sents": [
{
"text": "A change in the dividend doesn't change a company's intrinsic value but it can affect investor valuation and investor sentiment which can then move share price.",
"label": [
1
],
"label_summ": [
1
],
"cluster_id": ... | {
"question": "It seems like stock prices rise when dividends increase unexpectedly [possible citation needed]. This doesn't seem intuitive to me, because if you think of stock as a claim of ownership on a company, announcing an increase in dividends doesn't necessarily make that company more valuable. Plus, even t... | 6_15 | [
[
"A change in the company's value affects investor valuation and sentiment which can then move share price. It could be interpreted as a positive sign and lead to buying. Paying dividends signals a healthy company.",
"A change in a dividend doesn't change a company's intrinsic value but it can affect inve... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"A change in a dividend doesn't change a company's intrinsic value but it can affect investor valuation which can then move share price. A company raising its dividend may be interpreted as a positive sign and lead to buying. A company increasing its dividend regularly is usually a good sign that the compa... |
[
{
"sents": [
{
"text": "I'm not certain what you mean by \"offset a mortgage\" but certainly the appreciation could be more than the mortgage balance.",
"label": [
1
],
"label_summ": [
0
],
"cluster_id": [
[
1
... | {
"question": "As in, is there a possible scenario where the appreciation of the value of a property could be greater than the mortgage payments on that property?",
"title": "Is it possible to offset a mortgage with only the appreciation of that property's value?",
"forum": "money.stackexchange.com",
"questio... | 6_16 | [
[
"The appreciation of a house could well be more than the mortgage balance. For a flexible mortgage, you need to have the cash available for the credit balance. You can offset just on the value on paper.",
"This is how some people make money by buying a house, perhaps making improvements, and then sellin... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"This is how some people make money by buying a house, perhaps making improvements, and then selling the house a short time later for a higher price which covers the cost of the interest payments, improvements, and a profit.",
"The appreciation could definitely be more than the mortgage balance. If you... |
[
{
"sents": [
{
"text": "Flexible savings accounts are almost all variable interest, meaning the rates go up and down with market rates.",
"label": [
0
],
"label_summ": [
0
],
"cluster_id": [
[
-1
]
... | {
"question": "I've heard anecdotes about high-interest savings accounts (4.5% around 2006, even 8% in the 80s), that were opened when interest rates (federal funds rate) were high. The implication seemed to be that for some of these accounts, if one were to hold these accounts open, they'd still be getting the same... | 6_17 | [
[
"These are called certificate of deposit or guaranteed investment certificates. In the UK they are known as term deposits. These all had high interest rates if you bought at the right time.",
"In America these are called Certificate of Deposit (CD), in Canada they are called Guaranteed Investment Certific... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"In America these are called Certificate of Deposit (CD), in Canada they are called Guaranteed Investment Certificates (GIC), in the UK they are called Term Deposits and in Germany, Bausparverträge (building saving contracts) which are similar.",
"Savings Bonds issued by the government often have high i... |
[
{
"sents": [
{
"text": "Pay the credit card bill and next time either gift the money or not, but do not lend to friends without sufficient legal documents.",
"label": [
0
],
"label_summ": [
0
],
"cluster_id": [
[
-1
... | {
"question": "I lent money to my friend for his wedding through my credit card. It was around $5,000. He said that he would pay me back within 1 month. It has been almost 5 months. Every time on his salary date I remind him of the amount he owes me. He sends the interest amount though twice he has sent $600 and $75... | 6_18 | [
[
"Pay off the balance you owe on the credit card. Once this is done, come with a realistic payment plan with your friend. If your friend has the money to pay you back, then you can sue him through the small claims court.",
"Firstly, pay off the balance you owe to the credit card and then focus on getting y... | {
"rel_sent_not_in_cluster": [
true
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"Firstly, pay off the balance you owe to the credit card and then focus on getting your friend to come up with a realistic payment plan.",
"If your friend does not have the money to pay you back, then there is unfortunately little you can do. If your friend is actually able to pay you back but refuses, t... |
[
{
"sents": [
{
"text": "It means that the merchant (here, a university)'s process is to deceive their processor by falsely submitting the charge as a \"CVV2 with Magnetic Stripe failure\" transaction.",
"label": [
0
],
"label_summ": [
0
],
... | {
"question": "A school wants my credit card data including a security code. They've sent me a form to fill in about my card. As I know security code is something that shouldn't be shared publicly. Should I provide it to them?",
"title": "Do institutions have right to ask for your credit card security code and all ... | 6_19 | [
[
"There are only allowed to use the security code during a transaction. They are not allowed to retain it. They are asking for it so they can charge your credit card.",
"They are only allowed to use this data momentarily during a transaction and are not allowed to retain it. They need this information in o... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"They are only allowed to use this data momentarily during a transaction and are not allowed to retain it.",
"They need this information in order to process the credit card payment as they are required by their credit card processor to enter it. Without this they will not be able to charge your credit car... |
[
{
"sents": [
{
"text": "Negotiation 101, never be the first to say a number.",
"label": [
0
],
"label_summ": [
0
],
"cluster_id": [
[
-1
]
]
},
{
"text": "You tell them you have ... | {
"question": "I read on my \"Evidence of Liability Insurance card\" issued by Geico in California, US: What to do at the time of an accident: […] Do not reveal the limits of your liability coverage to anyone. Why does Geico ask me not to reveal the limits of my liability coverage in case of a car accident, and s... | 6_20 | [
[
"All US car insurance companies do this. This might been seen an admission of guilt and would give better leverage in negotiations. ",
"All US car insurance companies instruct their customers to not mention the amount of coverage. By mentioning the amount of coverage you have, you are becoming involved in... | {
"rel_sent_not_in_cluster": [
true
],
"cluster_sents_not_matched": [
[
"By mentioning the amount of coverage you have, you are becoming involved in the process that the insurance company doesn't want you involved in.",
"Someone might see your volunteering that information as an admissionof gu... | [
1
] | [
[
"All US car insurance companies instruct their customers to not mention the amount of coverage. ",
"By mentioning the amount of coverage you have, you are becoming involved in the process that the insurance company doesn't want you involved in.",
"Someone might see your volunteering that information ... |
[
{
"sents": [
{
"text": "If I had a legitimate reason to give to you $100,000 with a $500 fee, I would ask you if it is okay to take the $500 out of the $100,000, and if you agree, I'd pay you $99,500 without any cost for you.",
"label": [
0
],
"label_summ": [
... | {
"question": "Someone contacted me and said that someone with a similar last name died and left me a large amount of money. He gave me information and forms from a bank, and other pertinent information. I then got a message that there is fee and that I need to send it before any money could be released to me. I c... | 6_23 | [
[
"This is a scam. Someone who needs to charge a fee for giving you money would just deduct the fee from the amount. In a genuine case, the executor does not ask beneficiaries for money.",
"In a genuine probate case the executor of the estate will not ask beneficiaries for money. When there is an inheritanc... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"In a genuine probate case the executor of the estate will not ask beneficiaries for money. When there is an inheritance, any costs associated with executing the inheritance are taken from the estate of the deceased person. ",
"Asking for a \"fee\" suggests that this is a scam.",
"Many countries have... |
[
{
"sents": [
{
"text": "Here’s what happens: When you thought the scammer deposited money in your account, it didn’t really happen.",
"label": [
0
],
"label_summ": [
0
],
"cluster_id": [
[
-1
]
]
... | {
"question": "I see a lot of question about scams with the same premises: Someone puts money in your account. You send money somewhere. They take their money back, while you lost your money. I don't know a whole lot about banking and money transfers, but it seems odd to me that they can retract money back whi... | 6_24 | [
[
"With some payment methods it is possible to cancel. There are transactions that show up before the money has actually cleared.",
"If a scammer took control of your account electronically and stole the money, you would usually be able to get your money back from the bank. Some payment methods enable you t... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[
"Criminals can't revert done money transfer on their own, and they have no interest in having their accounts confiscated by the police, so reverting the transfer is only a side effect (and most likely, only the beginning of you... | [
1
] | [
[
"If a scammer took control of your account electronically and stole the money, you would usually be able to get your money back from the bank.",
"Some payment methods enable you to cancel or the money doesn't fully exist until it is 'cleared'.",
"Paying money from a reversible transaction using a non... |
[
{
"sents": [
{
"text": "This is a scam.",
"label": [
1
],
"label_summ": [
1
],
"cluster_id": [
[
0
]
]
},
{
"text": "You will send the money on, they will withdraw the money in c... | {
"question": "A man I recently started talking to over Facebook says he is a doctor from the US working with the UN in Tripoli. He wants get out of Tripoli because of terrorist attacks on his camp. He is asking me to open an online bank account for his account manager to send me money, and then I send the money to... | 6_26 | [
[
"This is a scam. The money will be transferred in a reversible way and will then disappear. If he really was working for the UN, they would be able to help expat workers.",
"This is a scam. The money will be \"transferred\" to your new account in a reversible way. You will then send them the money, which ... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"This is a scam. The money will be \"transferred\" to your new account in a reversible way. You will then send them the money, which they will withdraw in cash and then it will turn out that the money they sent you doesn't exist. ",
"If this person really was working for the UN, the UN has experience i... |
[
{
"sents": [
{
"text": "Maybe from a Credit Union or other smaller bank, but not a big-box bank.",
"label": [
1
],
"label_summ": [
1
],
"cluster_id": [
[
0
]
]
},
{
"text": "why ... | {
"question": "I live in the US and it seems that mortgages rates here are always quoted for either 15 or 30 years. Is it possible to get a mortgage in the US that is for a different duration? Say I have 23 years until I plan to retire, can I get a 23-year mortgage that would fit nicely into that timeframe? If not, ... | 6_28 | [
[
"You might be able to do this with a smaller bank. This would count as a custom mortgage which would cost more for the bank to offer.",
"The overheads for making a \"custom\" mortgage would be relatively high, so they are not offered to the public. A Credit Union or smaller bank might be worth approaching... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"The overheads for making a \"custom\" mortgage would be relatively high, so they are not offered to the public. A Credit Union or smaller bank might be worth approaching.",
"Another approach is to take a 30 year mortgage, but then pay it off as if it was a 23 year mortgage by overpaying each month."
]
... |
[
{
"sents": [
{
"text": "They want to gauge the chance of a successful sale.",
"label": [
0
],
"label_summ": [
0
],
"cluster_id": [
[
-1
]
]
},
{
"text": "There's nothing quite as... | {
"question": "I'm going through the process of buying a home now. Whenever I make an offer, the seller wants to know how much of that will be down payment. Why do they care? Isn't the combination of the down payment plus the bank's mortgage payment going to be equal to the full offer? Do the sellers get some advant... | 6_30 | [
[
"It gives them a sense of who can pay more for a property. ",
"By asking about your down payment the seller will get a sense of how likely you are to be qualified as a buyer. "
]
] | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"By asking about your down payment the seller will get a sense of how likely you are to be qualified as a buyer. ",
"Someone with a larger deposit can potentially afford to pay more for the property. Also knowing the size of the buyer's deposit is to the seller's advantage if they want to make a counter-... |
[
{
"sents": [
{
"text": "Sometimes, we own things that are all but worthless.",
"label": [
0
],
"label_summ": [
0
],
"cluster_id": [
[
-1
]
]
},
{
"text": "What do you do if you h... | {
"question": "I was looking at Helios and Matheson Analytics Inc OTCMKTS: HMNY (parent of MoviePass) and noticed they are trading for 0.0032 USD. I understand how this can happen as the market cap falls below 1/100th of the shares outstanding but how do you actually transact when the prices are like this? I cannot b... | 6_31 | [
[
"The transaction would be rounded up to the nearest penny. Shares are usually sold in blocks.",
"The transaction would be rounded up to the nearest penny. In any case, tocks are usually sold in blocks called round lots , which are 100 shares in most US stock exchanges. The market cap would have to fall b... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"The market cap would have to fall below 1/100th of the shares outstanding in order for share price to drop below one cent.",
"The transaction would be rounded up to the nearest penny. In any case, tocks are usually sold in blocks called round lots , which are 100 shares in most US stock exchanges."
]
... |
[
{
"sents": [
{
"text": "Rent is not a debt because you have not borrowed any money from the landlord.",
"label": [
1
],
"label_summ": [
1
],
"cluster_id": [
[
1
]
]
},
{
"text": ... | {
"question": "I am taking a financial assessment. It asks me: What is your total monthly debt payment (e.g. student loans, vehicles, credit cards, personal loans, etc.)? Then the next questions are about household essentials and non-household essentials. But should I include rent in any of this?",
"title": "I... | 6_32 | [
[
"Rent is not a loan or a debt. ",
"The financial assessment test is asking for your monthly repayment rate for any annuity loans you have. Debt is money owed for goods or services or money rendered. Rent is not a debt, because you have not borrowed any money from the landlord and you do not own the prop... | {
"rel_sent_not_in_cluster": [
true
],
"cluster_sents_not_matched": [
[
"Debt is money owed for goods or services or money rendered."
]
]
} | [
1
] | [
[
"Debt is money owed for goods or services or money rendered. ",
"Rent is not a debt, because you have not borrowed any money from the landlord and you do not own the property you rent.",
"But, rent can become a debt paid through an installment plan if you don't pay it.",
"The financial assessme... |
[
{
"sents": [
{
"text": "They should stop the contributions for you, but mistakes happen, so employees should still check to make sure they haven't over-contributed.",
"label": [
1
],
"label_summ": [
0
],
"cluster_id": [
[
... | {
"question": "Suppose a person has a single job with $80K salary for the year and chooses 30% contribution to their 401K. The limit for 2020 contributions is 19.5K. Will the employer or the administrator stop withholding anything above 19.5K automatically or does the employee need to change/stop the contribution th... | 6_33 | [
[
"The plan is required to stop contributions when you reach the limit. Depositing too much tends to happen with those who had 2 jobs over the year.",
"The issue of depositing too much is usually with those who had 2 jobs over the year. Contributions should stop, but mistakes happen, so employees should st... | {
"rel_sent_not_in_cluster": [
true
],
"cluster_sents_not_matched": [
[
"The issue of depositing too much is usually with those who had 2 jobs over the year."
]
]
} | [
1
] | [
[
"The issue of depositing too much is usually with those who had 2 jobs over the year. ",
"Contributions should stop, but mistakes happen, so employees should still check to make sure they haven't over-contributed.",
"The plan is required to stop contributions when it reaches the limit. ",
"If a ... |
[
{
"sents": [
{
"text": "By buying put options for the stock.",
"label": [
0
],
"label_summ": [
0
],
"cluster_id": [
[
-1
]
]
},
{
"text": "A put option gives you a time-limited r... | {
"question": "After hours earning call is the perfect time for a stock price to go up or down significantly, as well as in a few minutes after the market open. The example of LinkedIn stock crashing is an example. As an individual investor, you will be late and by the time you are ready, the price has already cras... | 6_34 | [
[
"An out option gives a time-limited right to sell stock at a specific price. If the drop in price of one stock is a big problem, then you portfolio isn't diversified enough.",
"A put option gives you a time-limited right to sell a stock for a specific price. Your stock portfolio needs to be well diversifi... | {
"rel_sent_not_in_cluster": [
true
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"A put option gives you a time-limited right to sell a stock for a specific price.",
"Your stock portfolio needs to be well diversified. ",
"If you invest in a market leader, chances are the value won't drop much. "
]
] |
[
{
"sents": [
{
"text": "If you need that money for a payment 3 1/2 months away, then you need to be extremely risk averse.",
"label": [
0
],
"label_summ": [
0
],
"cluster_id": [
[
-1
]
]
},
... | {
"question": "We have 1 million dollars from the sale of a farm, which we want to use to pay down land debt. But we can't make a payment until the anniversary date of July 5. Right now it is in an interest bearing checking account earning 1.7 %.",
"title": "What to do with $1,000,000.00 for 3&1/2 months?",
"fo... | 6_35 | [
[
"Split the money into different banks for insurance coverage. You could look at short-term deposits.",
"I think it would be wise to split the money into separate banks for insurance. Short term term-deposits might be a good idea. Investing it into the market - bonds or ETFs or even shares - would give you... | {
"rel_sent_not_in_cluster": [
true
],
"cluster_sents_not_matched": [
[
"Investing it into the market - bonds or ETFs or even shares - would give you a chance to earn a lot on it, but also to lose a lot on it. S1: Investing it into the market - bonds or ETFs or even shares - would give you a chance ... | [
1
] | [
[
"I think it would be wise to split the money into separate banks for insurance.",
"Short term term-deposits might be a good idea. Investing it into the market - bonds or ETFs or even shares - would give you a chance to earn a lot, but also the potential to lose a lot."
]
] |
[
{
"sents": [
{
"text": "You are often obliged to notify the regulator when you have a decent chunk of stock (5% or 10%, say).",
"label": [
0
],
"label_summ": [
0
],
"cluster_id": [
[
-1
]
]
},... | {
"question": "I noticed that some companies have only 100,000 market cap. And it's listed company that you can even buy its shares easily. The turnover rate is even > 100% which means it has enough liquidity. What would happen if I use my money to buy all its shares? Just wondering...",
"title": "Why are some li... | 6_36 | [
[
"If you buy up all the shares then you become the owner of the company. Once you have 90% of shares you can force other shareholders to sell to you.",
"If you hold 100% of the shares, you own the company. If you obtain a majority of the shares, you can call an EGM, sack the directors and appoint new ones... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"If you hold 100% of the shares, you own the company. If you obtain a majority of the shares, you can call an EGM, sack the directors and appoint new ones.",
"You might not even need 100% of the shares to take ownership of a publicly traded company. Once you own a certain portion of the company, you can... |
[
{
"sents": [
{
"text": "It's trying to say those who speculate are in for short term and tend to trade more often, thus paying more brokerage fees and making the broker rich.",
"label": [
0
],
"label_summ": [
0
],
"cluster_id": [
... | {
"question": "In The Intelligent Investor , page 36, Zwieg, who is writing the commentary, states \"those who invest make money for themselves. Those who speculate make money for their brokers.\" Why is it the case that brokers profit off speculators?",
"title": "What does Benjamin Graham mean by \"Those who ... | 6_37 | [
[
"Brokers make money from traders. They often sell their trading history to traders.",
"Brokers make money from traders and investors. No-fee brokerages often make money by selling their trading history to other traders. If you're not paying for the product, you are the product. When you gamble on compa... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"Brokers make money from traders and investors.",
"No-fee brokerages often make money by selling their trading history to other traders.",
"If you're not paying for the product, you are the product. ",
"When you gambling on companies with less of a track record, unless you are really lucky, yo... |
[
{
"sents": [
{
"text": "For card selection, I highly recommend the iDominion iPhone app .",
"label": [
1
],
"label_summ": [
1
],
"cluster_id": [
[
0
]
]
},
{
"text": "Lets",
... | {
"question": "When playing Dominion, how do you go about organizing all of the various cards and sets while maintaining a priority to getting games started quickly?",
"title": "What is the best way to keep everything organized and spend less time setting up?",
"forum": "boardgames.stackexchange.com",
"question... | 6_38 | [
[
"You can use an iPhone app or group the cards by type.",
"For card selection, the iDominion iPhone app is recommended. Dominion's out-of-the-box card storage, setup, or clean-up don't need any improvement. The box comes with clearly labeled and organized trays and the cards are grouped by type."
]
] | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"For card selection, the iDominion iPhone app is recommended.",
"Dominion's out-of-the-box card storage, setup, or clean-up don't need any improvement. The box comes with clearly labeled and organized trays and the cards are grouped by type."
]
] |
[
{
"sents": [
{
"text": "Make sure EVERYONE knows that Italy is the weakest country, by reminding them of it constantly, both during the game and every time the subject of Diplomacy comes up in conversation generally.",
"label": [
0
],
"label_summ": [
0
... | {
"question": "Italy is almost the worst country to start with. But that makes it a nice challenge. What is your winning strategy with Italy?",
"title": "What is a winning strategy for Italy with Diplomacy",
"forum": "boardgames.stackexchange.com",
"question_tags": "<diplomacy>",
"link": "boardgames.stackex... | 6_39 | [
[
"Let Turkey be in the initial alliance with Austria, then convince Russia to side with you against Turkey. Do not ally with Turkey.",
"The Diplomacy Archive has a large number of strategies for Italy and all the other countries. One suggestion is to play as Italy. It might be easier to ally with Austria... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"The Diplomacy Archive has a large number of strategies for Italy and all the other countries . ",
"If necessary, let Turkey in the initial alliance against Austria, then convince Russia to side with you against Turkey.",
" I am a big proponent of playing as Italy.",
" It is easier to ally wit... |
[
{
"sents": [
{
"text": "For me the big strategy for seafarers is to realize that most of the time the islands are not worth it.",
"label": [
1
],
"label_summ": [
1
],
"cluster_id": [
[
0
]
]
}... | {
"question": "Just starting out with Seafarers of Catan—what are the key strategy differences between Settlers of Catan and Seafarers?",
"title": "What are the key strategy differences between Settlers of Catan and Seafarers?",
"forum": "boardgames.stackexchange.com",
"question_tags": "<catan><catan-seafarers>... | 6_40 | [
[
"The big strategy is to realise the islands are not worth it. The big benefit of this game is the diversity of maps, that makes each new game different. ",
"A good strategy for seafarers is to realize that most of the time the islands are not worth it, but they also make it possible to catapult to victory... | {
"rel_sent_not_in_cluster": [
false
],
"cluster_sents_not_matched": [
[]
]
} | [
1
] | [
[
"A big strategy for seafarers is to realize that most of the time the islands are not worth it, but they also make it possible to catapult to victory with a 4-6 victory point turn. One important benefit of playing Seafarers is the diversity of maps, and the ability to play random maps. Seafarers games take lo... |
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