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Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I move my 401k to another country without paying tax penalty? ### Answer: Transfers can be made from U.S. pension plans to Canadian RRSPs, if the following conditions are met: Way more details her...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I move my 401k to another country without paying tax penalty? ### Answer: There are two significant drawbacks to this type of transfer. They were the reasons why I kept my American 401(k) as-is an...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I move my 401k to another country without paying tax penalty? ### Answer: hello – I am a natural born US citizen; I have worked 35+ years in the United States; I have a 401(k), IRA, Social Securit...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What happens when they run out of letters? ### Answer: The 3-letter tickers are from a different era.... Nowadays the usage of tickers is more of a "legacy" tradition rather than a current necessity. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What happens when they run out of letters? ### Answer: NYSE started allowing four letter tickers around 2009. NASDAQ allows 4-5 letter tickers. I guess they'll keep increasing when / if needed. Com...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it commonly possible to buy an “Option for a Mortgage at a specific Interest Rate”? ### Answer: I think the answer to this is just "no." It's not commonly available to have the option to obtain a ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I invest and buy/sell stocks? What does “use a broker” mean? ### Answer: I'm posting this because I think I can do a better job of explaining and detailing everything from start to stop. :) A ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I invest and buy/sell stocks? What does “use a broker” mean? ### Answer: Very simple. You open an account with a broker who will do the trades for you. Then you give the broker orders to buy a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I invest and buy/sell stocks? What does “use a broker” mean? ### Answer: Some good answers already, but let me add a TL:DR version. Brokers work like a special type of bank account where you c...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I invest and buy/sell stocks? What does “use a broker” mean? ### Answer: There are 2 main types of brokers, full service and online (or discount). Basically the full service can provide you wi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Total ETF value decreased after underlying stock increased in price ### Answer: According to your post, you bought seven shares of VBR at $119.28 each on August 23rd. You paid €711,35. Now, on Augus...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is Google's current nasdaq market cap almost twice the current share price * the No. of shares outstanding? ### Answer: For each class A share (GOOGL) there's a class C share (GOOG), hence the mis...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is Google's current nasdaq market cap almost twice the current share price * the No. of shares outstanding? ### Answer: http://mobile.nytimes.com/blogs/economix/2014/04/02/the-many-classes-of-goog...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does FHA goes hand in hand with PMI ? ### Answer: FHA insured loans must 'go hand in hand' with PMI, because the FHA element is the insurance itself. The FHA isn't actually giving you a loan, that's ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does FHA goes hand in hand with PMI ? ### Answer: I don't know that FHA loans have better rates than conventional loans. I've never heard that and some quick googling didn't yield anything (please co...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Mutual fund value went down, shares went up, no action taken by me ### Answer: You did something that you shouldn't have done; you bought a dividend. Most mutual fund companies have educational mater...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Mutual fund value went down, shares went up, no action taken by me ### Answer: It is very likely that the fund paid out a dividend in the form of reinvested shares. This happens with many funds, espe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is a property that comes with tenants a risk? ### Answer: The perceived risk depends on the entire situation, but often it is considered more risk, especially if you want to occupy yourself. Things yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does a SIM only cell phone contract help credit rating? ### Answer: I have never seen any of my mobile phone providers report any data to any credit agency. They tend to only do that if you don't pay ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does a SIM only cell phone contract help credit rating? ### Answer: I'm not sure if there are nuances between countries and appreciate your question is specifically about the US, but in the UK, mobile...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What scrutiny to expect if making large purchase with physical cash? [duplicate] ### Answer: http://www.consumerismcommentary.com/buying-house-with-cash/ It looks like you can, but it's a bad idea bec...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I get a mortgage from a foreign bank? ### Answer: Simple answer YES you can, there are loads here are some links : world first , Baydon Hill , IPF Just googling "foreign currency mortgage", "inter...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I get a mortgage from a foreign bank? ### Answer: You definitely used to be able to (see this BBC article from 2006), and I would imagine that you still can, although I also imagine that it would ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Cheapest way to “wire” money in an Australian bank account to a person in England, while I'm in Laos? ### Answer: You could use paypal to transfer money. You can pay with paypal and your UK contact co...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Cheapest way to “wire” money in an Australian bank account to a person in England, while I'm in Laos? ### Answer: I successfully used Currency Fair a few times, they seem to cater for both Australia a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Cheapest way to “wire” money in an Australian bank account to a person in England, while I'm in Laos? ### Answer: I've used OFX quite a lot for international transfers. They are much faster than a nor...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Cheapest way to “wire” money in an Australian bank account to a person in England, while I'm in Laos? ### Answer: I've been doing a bunch of Googling and reading since I first posed this question on t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: stock for a particular brand ### Answer: In addition to the answer by Craig Banach: Sometimes brands are owned by publicly traded companies which have a very diverse product portfolio. In case of Micr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: stock for a particular brand ### Answer: If you want to invest in the Windows Phone, then you go and find out who makes the Windows Phone i.e. Microsoft. Then you go and decide if Windows Phone is suc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What taxes does a US citizen doing freelance work (self-employed) in the UK have to pay to the US government? ### Answer: You will be filing the exact same form you've been filing until now (I hope......
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the “substantial difference” that might occur in the google shares? [duplicate] ### Answer: Presumably you're talking about the different share class introduced in the recent stock split, whic...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Investing money 101 ### Answer: The way to invest money in a company is to buy its shares, or derivatives of its shares. However, it seems you're way in over your head. Don't buy what you don't unders...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: historical data for analysing pensions ### Answer: You could use any of various financial APIs (e.g., Yahoo finance) to get prices of some reference stock and bond index funds. That would be a reaso...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I buy these ETFs? ### Answer: Some of the ETFs you have specified have been delisted and are no longer trading. If you want to invest in those specific ETFs, you need to find a broker that wi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I buy these ETFs? ### Answer: ETFs trade on specific exchanges. If your broker deals with those exchanges, you should have access to the ETF. If your broker does not deal with that exchange, t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I know the minimum due credit card payment and date for an ANZ Visa card? ### Answer: You are in luck, I have an ANZ credit card as well. I have just checked my paper statement with online, an...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Germany Tax Question - Non-Resident and not employed in Germany ### Answer: No you won't. Germany taxes income, not bank accounts. Note that this changes immediately when your bank account makes inter...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Interaction between health exchange and under-65 Medicare coverage ### Answer: First off, you should contact your health plan administrator as soon as possible. Different plans may interact different...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do exchanges match limit orders? ### Answer: The Limit Order are matched based on amount and time. The orders are listed Highest to Lowest on the Buy Side. The orders are listed Lowest to Highest ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do exchanges match limit orders? ### Answer: The total limit book is a composite of all the orders on all of the exchanges. While it's uncommon for a limit order posted beyond the NBBO to fill out...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Anyone have experience with Brink's 5% savings account? ### Answer: Down in the Fine Print are these points to consider for the limit: For an average daily balance up to but not exceeding $5,000.00, t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Trading on forex news, Interactive Brokers / IDEALPRO, and slippage ### Answer: In my experience thanks to algorithmic trading the variation of the spread and the range of trading straight after a maj...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Trading on forex news, Interactive Brokers / IDEALPRO, and slippage ### Answer: Slippage is tied to volatility, so when volatility increases the spread will also increase. There is no perfect formula ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tracking down forgotten brokerage account ### Answer: A company as large as Home Depot will have a fairly robust Human Resources department and would probably be able to steer you in the right directi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: While working overseas my retirement has not gone into a retirement account. Is it going to kill me on the FAFSA? ### Answer: According to the FAFSA info here, they will count your nonretirement asset...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: While working overseas my retirement has not gone into a retirement account. Is it going to kill me on the FAFSA? ### Answer: Are the schools going to count all my retirement I've saved over the las...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does a stock really dip in price on the ex-dividend date? And why would it do this? ### Answer: The stock should fall by approximately the amount of the dividend as that is what is paid out. If you ha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does a stock really dip in price on the ex-dividend date? And why would it do this? ### Answer: Suppose the price didn't drop on the ex-dividend date. Then people wanting to make a quick return on the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does a stock really dip in price on the ex-dividend date? And why would it do this? ### Answer: The stock price is what people think a company is worth, this is made up of When a company pays out a di...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does a stock really dip in price on the ex-dividend date? And why would it do this? ### Answer: This effect has much empirical evidence as googling "dividend price effect evidence" will show. As the f...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: ETFs mirroring consistently outperforming companies? ### Answer: What you may be looking for are multi-manager ETFs; these invest in a basket of diversified funds to get the best out of all of the fun...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to calculate P/E ratio for S&P500 sectors ### Answer: To calculate a sector (or index) P/E ratio you need to sum the market caps of the constituent stocks and divide it by the sum of the total ear...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to calculate P/E ratio for S&P500 sectors ### Answer: For the S&P and many other indices (but not the DJIA) the index "price" is just a unitless number that is the result of a complicated formula....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I transfer money from a personal pension to a SIPP, while leaving the original pension open? ### Answer: Just to aid your searching, note that what your employer has provided you with access to is...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I transfer money from a personal pension to a SIPP, while leaving the original pension open? ### Answer: Yes it's entirely possible; see below. If you can't find anything on transfers out (partia...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to correctly track a covered call write (sell to open) in double-entry accounting? ### Answer: I think the issue you are having is that the option value is not a "flow" but rather a liability that...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to correctly track a covered call write (sell to open) in double-entry accounting? ### Answer: I skimmed the answer from mirage007, and it looked correct if you're going to set this up from scratc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the purpose of the wash sale rule? ### Answer: In a comment on this answer you asked It's not clear to me why the ability to defer the gains would matter (since you never materially benefit u...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the purpose of the wash sale rule? ### Answer: 'Note that "to keep an investor from lowering their tax bill" is not an explanation'. Well, yes it is. In fact it is the only explanation. The r...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the purpose of the wash sale rule? ### Answer: Overall the question is one of a political nature. However, this component can have objective answers: "What behavior is trying to be prevented...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the purpose of the wash sale rule? ### Answer: Equal sized gains and losses in alternating years would lead to an unjust positive tax. On the contrary. If I can take my gains at the long ter...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can PayPal transfer money automatically from my bank account if I link it in PayPal? ### Answer: I have a PayPal account that I have linked to my bank account. My PayPal balance is always $0. When I...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can PayPal transfer money automatically from my bank account if I link it in PayPal? ### Answer: See this help article from Paypal about payment methods for purchases. When you don’t have a PayPal bal...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can PayPal transfer money automatically from my bank account if I link it in PayPal? ### Answer: As the other answers stated: Yes PayPal will transfer money from your bankaccount automatically if your...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can PayPal transfer money automatically from my bank account if I link it in PayPal? ### Answer: Practically, as an ebay buyer I have never seen any way to keep a balance in paypal and top it off from...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can PayPal transfer money automatically from my bank account if I link it in PayPal? ### Answer: The answer is no. Paypal will always ask for permission before adding or withdrawing money. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can PayPal transfer money automatically from my bank account if I link it in PayPal? ### Answer: I linked my bank account (by making a transfer from bank account to Paypal) without linking a card. Thi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I Have Received a 1099-G? ### Answer: When you itemize your deductions, you get to deduct all the state income tax that was taken out of your paycheck last year (not how much was owed, but how ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I Have Received a 1099-G? ### Answer: If you don't itemize your deductions, your state tax refund is not considered income to you. Even if you didn't receive the actual 1099-G, you know how muc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: bid & ask prices and technical indicators ### Answer: If you are looking to go long (buy) you would use bid prices as this is what you will be matched against for your order to be executed and a trade...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I find ISIN numbers for stock options? ### Answer: Because an equity option can be constructed at essentially any price by two willing counterparties on an exchange, there are not enough ISINs...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I find ISIN numbers for stock options? ### Answer: Go to http://www.isincodes.net/, and enter your data. For example entering Alphabet gives you the ISIN US02079K1079 (for standard US shares)....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to protect yourself from fraud when selling on eBay UK ### Answer: Just ship using a reputable courier (definitely not Yodel or Hermes!) that requires and obtains a surname and signature which you...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to protect yourself from fraud when selling on eBay UK ### Answer: Paypal UK has a page here: https://www.paypal.com/uk/webapps/mpp/seller-protection Basically they don't just take the seller's wo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can you buy gift cards at grocery store to receive a higher reward rate? ### Answer: If you go to a grocery store and purchase retail gift cards along with other products, and you pay with a credit ca...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can you buy gift cards at grocery store to receive a higher reward rate? ### Answer: In a similar situation I wrote about How I Made $4,000+ on a Cash Back Credit Card Offer. The total was actually $4...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can you buy gift cards at grocery store to receive a higher reward rate? ### Answer: Understand that buying a Starbucks gift card at the grocery store to receive 6% back on your coffee rather than 6% ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can you buy gift cards at grocery store to receive a higher reward rate? ### Answer: (I agree with the answers above; would just like to make a couple of additional points.) It's a good and simple str...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can you buy gift cards at grocery store to receive a higher reward rate? ### Answer: I actually just did that with my Chase Freedom card. They rotate categories every 3 months, and from April-June it ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it inadvisable to leave a Roth IRA to charity upon death? ### Answer: You need to keep in mind that there's an exemption amount of more than $5M (five million) dollars for estate tax. Unless you us...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it inadvisable to leave a Roth IRA to charity upon death? ### Answer: I think what those articles are saying is: "If you want to leave some money to charity and some to relatives, don't bequeath a ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Building a Taxable Portfolio Properly ### Answer: Not a bad strategy. However: If you REALLY want tax efficiency you can buy stocks that don't pay a dividend, usually growth stocks like FB, GOOGL, and...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the ticker symbol of the mini Google stock? ### Answer: Google will be issuing Class C shares (under the ticker symbol GOOCV) to current GOOG holders in the beginning of April. The Class C sh...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Malaysian real estate: How to know if the market is overheated or in a bubble? ### Answer: I am also from Malaysia and I just purchase a property around Klang Valley area. Property market is just like...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Malaysian real estate: How to know if the market is overheated or in a bubble? ### Answer: The Motley Fool suggested a good rule of thumb in one of their articles that may be able to help you determin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Malaysian real estate: How to know if the market is overheated or in a bubble? ### Answer: FYI...during the housing boom here in the US many people spoke about ever increasing home prices. Many thoug...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Malaysian real estate: How to know if the market is overheated or in a bubble? ### Answer: I don't buy the "house prices will always increase due to the increased cost of raw materials" argument. In a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Malaysian real estate: How to know if the market is overheated or in a bubble? ### Answer: I think the only sure way to know if there is a bubble is to wait till it bursts and buy then. If it would be...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Roth vs. Whole Insurance vs. Cash ### Answer: Cash/CD's for a house downpayment = Good. Resist the urge to invest this money unless you're not planning on the house for at least 5 years. Roth IRA - Go...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Roth vs. Whole Insurance vs. Cash ### Answer: Week after week, I make remarks regarding expenses within retirement accounts. A 401(k) with a 1% or greater fee is criminal, in my opinion. Whole life i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Roth vs. Whole Insurance vs. Cash ### Answer: You're extremely fortunate to have $50k in CDs, no debt, and $3800 disposable after food and rent. Congrats. Here's how I would approach it. If you see yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Roth vs. Whole Insurance vs. Cash ### Answer: Advantage of cash: You can spend the money without having to pay any fees or taxes to get it out. Disadvantage: When inflation is greater than zero, which...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Negatives to increased credit card spending limit? [duplicate] ### Answer: The only drawback is if you spend more than you can with the new limit and end up having to pay interest if you can't pay the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Negatives to increased credit card spending limit? [duplicate] ### Answer: There is another drawback, and this is why I keep a low-limit card for online purchases and another for carrying in risky/unf...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Negatives to increased credit card spending limit? [duplicate] ### Answer: The one big drawback I know is when you take the mortgage credit, your credit ability is calculated, and from that sum all of...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Negatives to increased credit card spending limit? [duplicate] ### Answer: https://money.stackexchange.com/a/79252/41349 https://money.stackexchange.com/a/79261/41349 Adding to @Chris H answer about ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a return-on-investment vs risk graph anywhere? ### Answer: There may well be several such graphs, I expect googling will turn them up; but the definition of risk is actually quite important h...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a return-on-investment vs risk graph anywhere? ### Answer: Yes, there is a very good Return vs Risk graph put out at riskgrades.com. Look at it soon, because it will be unavailable after 6-3...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are my options to deal with Student Loan debt collectors? ### Answer: Never speak to a debt collector. Ask them to stop calling you and STOP talking to them. Communicate only via postal mail. Do ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are my options to deal with Student Loan debt collectors? ### Answer: @littleadv has said most of what I'd say if they had not gotten here first. I'd add this much, it's important to understand w...