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Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What happens to bonds values when interest rates rise? [duplicate] ### Answer: You can look at TIPS (which have some inflation protection built in). Generally short term bonds are better than long if ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why don't institutions share stock recommendations like Wall Street analysts? ### Answer: Primarily because they don't want big price movements when they are in the market. If they spook the markets, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Pros/cons for buying gold vs. saving money in an interest-based account? ### Answer: What you are seeing is the effects of inflation. As money becomes less valuable it takes more of it to buy physical...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Side work and managing finances? ### Answer: I have done similar software work. You do not need an LLC to write off business expenses. The income and expenses go on Schedule C of your tax return. It i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I make a profit by selling a stock short? ### Answer: Being "long" - expecting the price to go up to make a profit - is a two step process: 1) buy 2) sell Being "short" - expecting the price ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is 6% too high to trade stocks on margin? ### Answer: That seems a little high in my experience. I've used a home equity line of credit instead, as the rates are much lower (~3.5%). ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Need to change cash to cashier's check without bank account (Just arrived to the US) ### Answer: the easiest thing would be to go to walmart and stock up on 1000$ money orders paying a 70 cents fee fo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Simple and safe way to manage a lot of cash ### Answer: As your question appears in the second half, so will my answer. Like you, I will provide some background. I remember buying gasoline for $1.75...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is This Money Laundering? ### Answer: or is this a form of money laundering? May not be, generally the amounts involved in money laundering are much higher. So if there are quite a few such transactio...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Investing in real estate when the stock market is high, investing in stocks when it's low? ### Answer: The right time to buy real estate is easy to spot. It's when it is difficult to get loans or when...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is Weiss Research, Inc. a legitimate financial research company? ### Answer: This company was a reputable rating agency for many years. See Weiss Research website, ratings section for a very different...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Will I be paid dividends if I own shares? ### Answer: Yes, as long as you own the shares before the ex-dividend date you will get the dividends. Depending on your instructions to your broker, you can ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When are investments taxed? ### Answer: An investment is sold when you sell that particular stock or fund. It doesn't wait until you withdraw cash from the brokerage account. Whether an investment is ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Mutual fund invests in mostly the same stuff as ETF, but has much higher expense ratio? (biotech sector) ### Answer: Index funds, like IBB, generally lack active management, which equates to lower exp...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is inflation? ### Answer: Money itself has no value. A gold bar is worth (fuzzy rushed math, could be totally wrong on this example figure) $423,768.67. So, a 1000 dollars, while worthless paper,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Using Marine Traffic (AIS) to make stock picks? ### Answer: You can. Speculating on marine traffic is more closely tied to oil trades and ocean shipping container rates, than trades on any particular ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Stocks: Where can I find a list of bankrupt/diluting stocks in the US? ### Answer: The only recommendation I have is to try the stock screener from Google Finance : https://www.google.com/finance?ei=o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What determines a tax resident in Florida ### Answer: I think the 60 days/year come from the IRS tax residency determination, which isn't a Florida law but applies to all the states. Have a look at th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would a restaurant offer a very large cash discount? ### Answer: Why would such a large discount make business sense to the restaurant? The legit reasons could be; Or can I assume that the resta...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do the activities of my LLC need to be limited to a particular field? ### Answer: No. When you file your Articles of Organization, simply state that your business will operate under the law. You don't...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is investing in an ETF generally your best option after establishing a Roth IRA? ### Answer: ETFs are a type of investment, not a specific choice. In other words, there are good ETFs and bad. What you...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I build wealth? ### Answer: Another possibility is that a lot of it is bought using borrowed money. Especially if much of your own money is in the stock market, it may be beneficial to take out...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I even need credit cards? ### Answer: If you are in the U.S., without credit cards, you probably don't have a credit history. Without a credit history, you won't be able to get a loan/mortgage, and...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How important is disability insurance, e.g. long-term, LTD? Employer offers none ### Answer: The reason to have disability insurance is to replace your income if you become disabled and are no longer ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How late is Roth (rather than pretax) still likely to help? ### Answer: My simplest approach is to suggest that people go Roth when in the 15% bracket, and use pre-tax to avoid 25%. I outlined that st...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How will I pay for college? ### Answer: There are some useful comments about the tradeoffs of the decisions in front of you. Intertwined with the financial choices, hopefully you can see a map openin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does it mean if a company pays a quarterly dividend? How much would I get quarterly? ### Answer: Google is a poor example since it doesn't pay a dividend (and doesn't expect to), so let's use ano...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the best way to make money from a market correction? ### Answer: The best way to make money during a market correction is to be a financial services company handling transactions for people who...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I change 401k investment options to prepare for rising interest rates? ### Answer: I see that you're invested in a couple bond funds. You do not want to be invested in bonds when the Fed raises...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying a small amount (e.g. $50) of stock via eToro “Social Trading Network” using a “CFD”? ### Answer: As many people here have pointed out, a CFD is a contract for difference. When you invest in sto...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I work out how much a side-job contracting will be taxed for? ### Answer: Being self-employed, your "profit" is calculated as all the bills you send out, minus all business-related cost that y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Possible to use balance transfers to avoid interest with major credit cards? ### Answer: Sure of course you can do balance transfers like this but you are way late to the party and it has gotten to be...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to correct a tax return filed electronically and already approved? ### Answer: Simply file an amended return to correct the mistake. This happens all the time and is a standard procedure that ever...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When trading put options, is your total risk decreased if you are in a position to exercise the option? ### Answer: In absolute terms the risk is about the same. If you own the stock and your put opt...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is it good to borrow money to buy a house? ### Answer: You can explore the scenarios in which it is better to rent or to buy using this application: http://demonstrations.wolfram.com/BuyOrRentInve...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is it not a requirement for companies to pay dividends? ### Answer: You have plenty of good answers, but I want to add something that might help you grow your intuition on stocks. There are a lot ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I replace bonds in a passive investment strategy ### Answer: The fact that some asset (in this case corporate bonds) has positive correlation with some other asset (equity) doesn't mean buying ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What percent of my salary should I save? ### Answer: I disagree with the selected answer. There's no one rule of thumb and certainly not simple ones like "20 cents of every dollar if you're 35". You'v...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I open a Roth IRA or invest in the S&P 500? ### Answer: A Roth IRA is simply a tax-sheltered account that you deposit funds into, and then invest however you choose (within the limits of the fi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a limit on the dollar amount of a personal check? ### Answer: As long as someone is willing to take it, you can write it! I personally wrote a check for a new car. The dealership didn't ba...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why don't banks give access to all your transaction activity? ### Answer: If you need access to your data beyond the online availability, you download the transactions and manage the archive yourself....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can travel expenses be deducted from Form 1040A if they were used to gather material for a book? ### Answer: Hobby expenses are not tax deductible. Business expenses are, but only if it's a bona fide...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I improve my credit score if I am not paying bills or rent? ### Answer: One of the other things you could do to improve your score would be along the lines of what Pete said in his answer, but...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I have to pay a capital gains tax if I rebuy different stocks? ### Answer: Probably. It sounds like you're looking for a 1031-exchange for stocks and bonds. From the wikipedia page for 1031-excha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why don't banks give access to all your transaction activity? ### Answer: Although if you count only your data, it would be quite less 10 MB, multiply this by 1 million customers and you can see how q...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Assessed value of my house ### Answer: You said the tax assessor gave you an appraised value, but I think you mean assessed value. This article YOUR HOME; Market vs. Appraisal: What's the Real Value? ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Avoid Capital Gains on Rental ### Answer: Your question is best asked of a tax expert, not random people on the internet. Such an expert will help you ask the right questions. For example you did not...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I get an accountant for my taxes? ### Answer: Let me offer an anecdote to this - I started helping a woman, widowed, retired, who had been paying $500/yr to get her taxes done. As I mentioned ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do Square credit card readers allow for personal use? ### Answer: What I should have done in the first place was just ask them. From their customer support team: Thanks for writing in and for your in...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does an employee have the right to pay the federal and state taxes themselves instead of having employer doing it? ### Answer: No, even businesses pay taxes quarterly. So if you formed Nathan, LLC, o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Investing in dividend-yielding stocks with money borrowed from margin account? ### Answer: Is it safe to invest in a portfolio of dividend stocks yielding 7-9% with the money borrowed at 3-4% from one...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Foreign Earned Income Exclusion - Service vs. Product? ### Answer: As the name says, its for income earned in a Foreign country. If you have been paying US income tax on this while living in the US, n...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Dormant company, never paid taxes, never traded in UK - should I have notified the HMRC? ### Answer: You don't have to register for corporation tax until you start doing business: After you’ve registe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do some people go through contortions to avoid paying taxes, yet spend money on expensive financial advice, high-interest loans, etc? ### Answer: To some extent, I suppose, most people are okay wi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Invest all at once after maxing out Roth IRA - or each time I contribute? ### Answer: If you are like most people, your timing is kind of awful. What I mean by most, is all. Psychologically we have ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is the average true range a better measure of volatility than historical volatility ### Answer: ATR really looks at the volatility within the day -- So you would be able to see if the stock is becomin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is buying a lottery ticket considered an investment? ### Answer: Although this has been touched upon in comments, I think the following line from the currently accepted answer shows the biggest issue:...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why I cannot find a “Pure Cash” option in 401k investments? ### Answer: There is no zero risk option! There is no safe parking zone for turbulent times! There is no such thing as a zero-risk investmen...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How are stock buybacks not considered insider trading? ### Answer: In fact, buybacks WERE often considered a vehicle for insider trading, especially prior to 1982. For instance, Prior to the Reagan e...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to prevent myself from buying things I don't want ### Answer: I use cash exclusively. I go to the cash machine once a week and withdraw the money I want to spend in one week (so I have to plan if ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Treasury Bonds, and why has the NYSE 20+ Year Treasury Bond index (AXTWEN) gone up so much in the last year (2011)? ### Answer: The NYSE 20 Year Plus Treasury Bond Index (AXTWEN) is a multiple-securit...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are buyouts always for higher than the market value of a stock? ### Answer: Buyouts are usually for more than the ORIGINAL value of a stock. That's because the price "premium" represents an incentive ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How smart is it to really be 100% debt free? ### Answer: When you're debt free everything you own feels different. The lack of financial stress in your life goes away. BUT! before you do go gung-ho on...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: MasterCard won't disclose who leaked my credit card details ### Answer: As indicated in comments, this is common practice in the US as well as EU. For example, in this Fox Business article, a user ha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Please explain the relationship between dividend amount, stock price, and option value? ### Answer: Regarding: 1) What's the point of paying a dividend if the stock price automatically decreases? Do...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Which countries allow eChecks? ### Answer: eChecks (and ACH) are a (desperate?) try of the US banking system to get into the 21st century. All EU countries (and some others) have direct deposits and t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are good games to play to teach young children about saving money? ### Answer: I know this question is closed now, but I just found this site that people might be interested in... http://www.prac...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Has anyone compared an in-person Tax Advisor to software like Turbo Tax? ### Answer: I have fairly simple tax returns and my experience was that TurboTax software produced roughly the same result as h...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: gift is taxable but is “loan” or “debt” taxable? ### Answer: (a) you give away your money - gift tax The person who receives the gift doesn't owe any tax. If you give it out in small amounts, there w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I detect potential fraud in a company before investing in them? ### Answer: Given that such activities are criminal and the people committing them have to hide them from the law, it's very unl...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it OK to use a credit card on zero-interest to pay some other credit cards with higher-interest? ### Answer: The short answer is: it depends. The longer answer is that balance transfers are tricky,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I pay off my student loan before buying a house? ### Answer: Paying off your student loan before buying a house is certainly a great risk reduction move for you. It will lower your debt to inco...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Option spreads in registered accounts ### Answer: From my own personal experience, you cannot trade spreads in RRSP or TFSA accounts in Canada. You can only buy options (buy a call or buy a put) or yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it legal if I'm managing my family's entire wealth? ### Answer: Assuming you and your family always get along and everyone is happy with the situation... Should you become ill, die, or go on govern...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is being “upside down” on a mortgage so bad? ### Answer: Sample Numbers: Owe $100k on house. House (after 'crash') valued at: $50K. Reason for consternation: What rational person pays $100k for ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is an investor of a startup subjected under a vesting schedule? ### Answer: Recently, I asked about what the company valuation is and how many shares does my 4% represent.CFO told me that there is n...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Investing small amounts at regular intervals while minimizing fees? ### Answer: I was going to comment on the commission-free ETF answer, which I agree with, but I don't have enough reputation. TD Ame...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to invest in gold at market value, i.e. without paying a markup? ### Answer: This is an excellent question; kudos for asking it. How much a person pays over spot with gold can be negotiated in per...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Wardrobe: To Update or Not? How-to without breaking the bank ### Answer: New clothes isn't exactly an emergency expense :) so I would strongly suggest that you budget for it on a monthly basis. This d...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I build up my credit history when I have nearly none ### Answer: What's the fastest way I can raise my credit score from nothing? I worked at a bank for almost 6 years and used their secured c...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do stocks go up? Is it due to companies performing well, or what else? [duplicate] ### Answer: The same applies if you were looking for a business to buy: would you pay more for a business that is...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Price movement behaviour before earnings announcements ### Answer: This depends entirely on what the market guesses the news will be and how much of that guess has already been factored into the price...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: The spread goes to the market maker, is the market maker the exchange? ### Answer: A "market maker" is someone that is contractually bound, by the exchange, to provide both bid and ask prices for a gi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What risks are there acting as a broker between PayPal and electronic bank transfers? ### Answer: Another reason to think it's a scam: fake paypal email notifications are a thing. I've seen one that ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are some simple techniques used for Timing the Stock Market over the long term? ### Answer: I can think of a few simple and quick techniques for timing the market over the long term, and they can...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the options for a 19-year-old college student who only has about $1000? ### Answer: Put them in Cds. Better than a savings account, you won't lose capital unlike the stock market. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Free, web-based finance tracking with tag/label support? ### Answer: Mint.com does all of that (except for the cash at hand). ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there special exceptions to the rule that (US) capital gains taxes are owed only when the gain materializes? ### Answer: Normally, you don't pay capital gains tax until you actually realize a capi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Child is on the way, invest for college and car fund options - opinions ### Answer: Look at your options with a 529 program. If the money is used for education expenses: that currently includes tuitio...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When applying for a mortgage, can it also cover outstanding debts? ### Answer: Yes, but should you be even trying to get a mortgage if you can't aford at least a 5% deposit? Prove you do want the hous...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to tell if an option is expensive ### Answer: An option, by definition, is a guess about the future value of the stock. If you guess too aggressively, you lose the purchase price of the option; if...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to dollar-cost-average with a large amount of money in a savings account? ### Answer: DCA is not 10%/day over 10 days. If I read the objective correctly, I'd suggest about a 5 year plan. It's diff...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Double-entry accounting: how to keep track of mortgage installments as expenses? ### Answer: The best thing for you to do will be to start using the Cash Flow report instead of the Income and Expense ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What assets would be valuable in a post-apocalyptic scenario? ### Answer: Bullets, canned goods, and farm supplies that don't need gas (e.g. seed, feed, plows). ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are my purchases of stock, mutual funds, ETF's, and commodities investing, or speculation? ### Answer: Every investment comes with a risk. There is also a bit of speculation involved. In there is an a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Am I understanding buying options on stock correctly ### Answer: Here is a quick and dirty explanation of options. In a nutshell, you pay a certain amount to buy a contract that gives you the right, b...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is this investment opportunity problematic? ### Answer: Every time I have loaned money to family members I have never gotten the money back. If they can't make the down payment, they should not be tak...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What should I be aware of as a young investor? ### Answer: Risk and return always go hand by hand.* Risk is a measure of expected return volatility. The best investment at this stage is a good, easy ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Got a large cash sum, wanna buy stocks. Should I buy all at once, or spread it over time? ### Answer: Depends on what you are, an investor or a speculator. An investor will look at an 'indefinite' inv...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I use balance transfer to buy car? ### Answer: It really depends on the exact wording of that zero rate offer. Some specifically state they are to be used for paying other debt. Others will have ...