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Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Recommendation for learning fundamental analysis? ### Answer: The Bible of fundamental analysis was written by Graham and Dodd, and is titled Security Analysis. If you don't know the name Benjamin Gra...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can I find definitive terms for a preferred share? ### Answer: This site has the best information I could find, other than a Bloomberg terminal: Quantumonline.com QUANTUMONLINE.COM SECURITY D...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do people buy insurance even if they have the means to overcome the loss? ### Answer: There are a couple of reasons that a person might choose to use insurance even if they could handle the financ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Advantage of Financial Times vs. free news sources for improving own knowledge of finance? ### Answer: If you are interested in a career in algorithmic trading, I strongly encourage you to formally st...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What foreign exchange rate is used for foreign credit card and bank transactions? ### Answer: On Credit Cards [I am assuming you have a Visa or Master card], the RBI does not decide the rate. The rate...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What will happen to my shares if company delisted ### Answer: If they own enough shares to vote to sell, you will be paid the offer price quoted to you. At that point if you do not wish to sell your o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What do people mean when they talk about the central bank providing “cheap money”? What are the implications for the stock market? ### Answer: There are a couple of different things that could be refe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where should my money go next: savings, investments, retirement, or my mortgage? ### Answer: I frequently advise to go 401(k) up to the match. With no match, I'm not so sure. If you are in the 15% br...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a reliable way to find, if a stock or company is heading bankruptcy? ### Answer: Research the company. Obtain and read their current and past financial statements. Find and read news stories ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Option trading: High dollar value stock option and equity exposure ### Answer: Seems like you are concerned with something called assignment risk. It's an inherent risk of selling options: you are giv...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What drives the stock of bankrupt companies? ### Answer: With debts exceeding assets by a billion dollars, this activity likely comes from penny stock speculators and "pump and dump" schemers. There i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to fix Finance::Quote to pull quotes in GnuCash ### Answer: The yahoo finance API is no longer which broke the Finance:Quote perl module. The Finance:Quote developers have been quick to fix thing...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the reasons to get more than one credit card? ### Answer: 1- To max out rewards. I have 5 different credit cards, one gives me 5% back on gas, another on groceries, another on Amazon, another...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are Index Funds really as good as “experts” claim? ### Answer: Picking yourself is just what all the fund managers are trying to do, and history shows that the majority of them fails the majority of t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If the U.S. defaults on its debt, what will happen to my bank money? ### Answer: I have been through default in Ukraine august 1998. That was a real nightmare. The financial system stopped working pro...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? ### Answer: You're paying 5.2% 'interest' on the $115K (500 * 12 / 115,000) * 100 but the amount you p...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why are stocks having less institutional investors a “good thing”? ### Answer: It's not necessarily bad but it can cause the stock price to become a lot more volatile. Depends on which side of the bet...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Using 2 different social security numbers ### Answer: While I agree with keshlam@ that the gym had no reason (or right) to ask for your SSN, giving false SSN to obtain credit or services (including gy...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to work around the Owner Occupancy Affidavit to buy another home in less than a year? ### Answer: Look into the definition of "primary residence" for your jurisdiction(s). In some states, living i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do they call them “financial products”? ### Answer: They are called "financial products" because they are contracts that are "produced" by the financial industry. For example, you could also say t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a free, online stock screener for UK stocks? ### Answer: Although this is an old question, it's worth pointing out that the Google Stock Screener now supports stocks traded on the London Stoc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Capital gains on no-dividend stocks - a theoretical question ### Answer: Stock prices are set by the market - supply and demand. See Apple for example, which is exactly the company you described: tons...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to record “short premium” in double-entry accounting? ### Answer: You don't. No one uses vanilla double entry accounting software for "Held-For-Trading Security". Your broker or trading software ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: About to start being an Independent Contractor - Any advice on estimating taxes? ### Answer: I agree with your strategy of using a conservative estimate to overpay taxes and get a refund next year. As...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is Stock Trading legal for a student on F-1 Visa in USA? [duplicate] ### Answer: It is absolutely legal. While studying on a F-1 you would typically be considered a non-resident alien for tax purposes...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to minimise the risk of a reduction in purchase power in case of Brexit for money held in a bank account? ### Answer: GBP has already lost part of his value just because of the fear of Brexit. An ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Looking to buy a house in 1-2 years. Does starting a Roth IRA now make sense? ### Answer: Lets do the math (assuming a lot of stuff, like your interest rates and that you make the contribution at the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Resources to begin trading from home? ### Answer: As JoeTaxpayer has commented, the markets are littered with the carcasses of those who buy into the idea that markets submit readily to formal analysi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Which account type to use for claimable expense I pay upfront for my employer? ### Answer: I used Quicken, so this may or may not be helpful. I have a Cash account that I call "Temporary Assets and Li...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Will paying off my car early hinder my ability to build credit? ### Answer: 12% is ridiculously high and routine for loans with no credit history, esp. from the dealer. I don't think though paying off...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When do I sell a stock that I hold as a long-term position? ### Answer: The psychology of investing is fascinating. I buy a stock that's out of favor at $10, and sell half at a 400% profit, $50/share....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can rent be added to your salary when applying for a mortgage? ### Answer: The days are long gone when offered mortgages were simply based on salary multiples. These days it's all about affordability,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does refinancing work? ### Answer: A re-financing, or re-fi, is when a debtor takes out a new loan for the express purpose of paying off an old one. This can be done for several reasons; usually t...
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: The short term bond fund, which you are pretty certain to have as an option, functions in this capacity. Its return will be low...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to calculate my real earnings from hourly temp-to-hire moving to salaried employee? ### Answer: Get some professional accounting help. You're going to have to pay for everything out of the fee you...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the best software tools for personal finance? ### Answer: For iPhone: iExpenseIt ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Will ADR owner enjoy same benefit as common shares holders ### Answer: I would say you should invest in the market that is more convenient for you, bearing in mind that if you buy ADRs you may have so...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: US Stock Market - volume based real-time alert ### Answer: Real-time equity (or any other market) data is not available for free anywhere in the US. It is always delayed by 10-15 minutes. On the othe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Received an unexpected cashiers check for over $2K from another state - is this some scam? ### Answer: This is so very much a scam. The accepted answer already tells you the basics of it. In additio...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tenant wants to pay rent with EFT ### Answer: I live in Kenya, and also here we have corruption. However, we use EFT, RTGS, Mobile Money and its more safe than cheques. Beware, that paper based paymen...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are quarterly earnings released first via a press release on the investor website, via conference call, or does it vary by company? ### Answer: Companies typically release their earnings before the ma...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Will I, as a CS student, be allowed to take loans for paying the fees of Ivy Leagues? ### Answer: I would be surprised if a bank cared about an undergraduate major. Usually, such things are only impor...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to get into real estate with a limited budget ### Answer: One way to "get into the real estate market" is to invest your money in a fund which has its value tied to real estate. For example, a Rea...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can I trade FX spot options, other than saxobank.com? ### Answer: To other users save yourselves time, do not test any of the alternatives mentioned in this post. I have, to no avail. At the mom...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I buy real estate with a Self-employees pension (SEP)? ### Answer: If you have a self-employed pension, you may be able to use it to purchase real estate. However, this will depend on the specific...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it possible to buy stock as a gift for a minor without involving the guardians? ### Answer: This is an old question, but a new product has popped up that provides an alternative answer. There is a ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the best software tools for personal finance? ### Answer: I like You Need A Budget (YNAB) Pros: Cons: ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do people buy stocks at higher price in merger? ### Answer: Without any highly credible anticipation of a company being a target of a pending takeover, its common stock will normally trade at what...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How might trading volume affect future share price? ### Answer: As said previously, most of the time volume does not affect stock prices, except with penny stocks. These stocks typically have a small ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Personal finance web service with account syncing in Germany ### Answer: I don't think there is a law against it. For example comdirect offers multi banking so you can access your accounts from other ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do top investors pull out 20% ROI? ### Answer: That is absolute rubbish. Warren Buffet follows simple value and GARP tenants that literally anyone could follow if they had the discipline to do so...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do employers require you to spread your 401(k) contributions throughout the year to get the maximum match? ### Answer: If one makes say, $10K/mo, and the company will match the first 5% dollar for...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why bid and ask do not match the price at which the stock is being traded [duplicate] ### Answer: Assuming that no one else has hit the ask, and the asks are still there, yes, you will fill $54.55 as ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What should I do with $4,000 cash and High Interest Debt? ### Answer: I like the answers others gave, if it's some substantial debt you definitely could go the bankruptcy route but it damages your fut...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Who determines, and how, the composition of the S&P 500 index? ### Answer: S & P's site has a methodology link that contains the following which may be of use: Market Capitalization. Unadjusted market...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Stranger in Asia wants to send me $3000 in Europe over Western Union because he “likes me”? [duplicate] ### Answer: how are the ways he could scam me? There are hundreds of different ways the scam can...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are some good ways to control costs for groceries? ### Answer: Probably my biggest cost saving is to make my own sandwiches for lunch. I take this one step further by buying joints of meat to roa...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the best software tools for personal finance? ### Answer: I just switched (from the abandoned, but good MS Money) to Moneydance 2010 ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Good/Bad idea to have an ETF that encompasses another ### Answer: You are overthinking it. Yes there is overlap between them, and you want to understand how much overlap there is so you don't end up w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is this investment opportunity problematic? ### Answer: It would have to be made as a "gift", and then the return would be a "gift" back to you, because you're not allowed to use a loan for a down pay...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I use asset allocation to maximize my returns? ### Answer: Your ideal asset allocation is the mix of investments, from most aggressive to safest, that will earn the total return over time that...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do you know of any online monetary systems? ### Answer: This site lets people deposit gold into an account. Once you have an account setup you can pay others in gold online. I haven't used it or kno...
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: Wash Sales and Day Trading ### Answer: Great question! It can be a confusing for sure -- but here's a great example I've adapted to your scenario: As a Day Trader, you buy 100 shares of LMNO at $100, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Meaning of capital market ### Answer: Just to clarify, In wikipedia when it says It is defined as a market in which money is provided for periods longer than a year They are referring to the company ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How much can you write off on a car lease through a LLC? ### Answer: An expense is an expense. You can deduct your lease payment subject to some limitations, but you don't make out by having more exp...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Suitable Vanguard funds for a short-term goal (1-2 years) ### Answer: 1-2 years is very short-term. If you know you will need the money in that timeframe and cannot risk losing money because of a stoc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Work as a contractor for my current employer rather than become a full time employee after my graduation for health insurance continued coverage ### Answer: There are several assumptions you made, tha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a good strategy to invest when two stock companies either merge or acquisition? ### Answer: There is a strategy called merger-arbitrage where you buy the stock of the acquired company when it...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Transferred Stocks in 1993, sold 2017 taxes ### Answer: Assuming the stock was worth more at the time she gave it to you than when she bought it, the cost basis would be the amount that she bought it ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the best software tools for personal finance? ### Answer: Mint.com—Easy solution to provide insight into finances. Pros: Cons: ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Pay online: credit card or debit card? ### Answer: Credit card, without a doubt. The reason is dispute resolution. If you dispute a charge on debit card - the money has left your account already, and ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are leverage/ko products the only reasonable way to trade stocks? ### Answer: I am assuming you mean derivatives such as speeders, sprinters, turbo's or factors when you say "derivatives". These deriv...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Snowball debt or pay off a large amount? ### Answer: Pay the highest rate debt first, it's as simple as that. When that debt is paid (the 24% card in this case) pay off the next one. As far as having...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I determine if my portfolio's rate of return has been “good”, or not? ### Answer: There isn't really enough information here to go on. Without knowing when you invested that money we can't fi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there legal reason for restricting someone under 59-1/2 from an in-service rollover from a 401K to an IRA? ### Answer: I don't think there's a rule -- (I can't comment) but Brick cited IRS rules......
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What one bit of financial advice do you wish you could've given yourself five years ago? ### Answer: Planned my grocery shopping better. You can't just wake up on Saturday hungry go to the grocer and...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buy securities at another stock exchange ### Answer: Different exchanges sometimes offer different order types, and of course have different trading fees. But once a trade is finished, it should not ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Learning investment--books to read? Fundamental/Value/Motley Fool ### Answer: You are smart to read books to better inform yourself of the investment process. I recommend reading some of the passive ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Beginner questions about stock market ### Answer: 1st question: If I bought 1 percent share of company X, but unfortunately it closed down because of some reason as it was 1 million in debt. Since...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to buy stock on the Toronto Stock Exchange? ### Answer: While most all Canadian brokers allow us access to all the US stocks, the reverse is not true. But some US brokers DO allow trading on fore...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Strategies for putting away money for a child's future (college, etc.)? ### Answer: Being in the same situation, and considering that money doesn't need to be available until 2025, I just buy stocks. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What type of retirement account should I choose? ### Answer: These are the best retirements plan to choose. \n1. Defined contribution plans. \n2. IRA plans. \n3. Solo 401(k) plan. \n4. Traditional pen...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Income tax on international income with money not deposited in India ### Answer: If the work is done in India, then the income arising out of it, is taxable when received by you, and not when it come ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What part of buying a house would make my net worth go down? ### Answer: In general, buying a house will improve your net worth over the long haul, because unlike cars, houses don't suffer as much fro...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Exercises of employee share options ### Answer: Many companies (particularly tech companies like Atlassian) grant their employees "share options" as part of their compensation. A share option is the r...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why are credit cards preferred in the US? ### Answer: Personally, I use my credit cards for everything because I get reward points (or, cash back, depending on the card), and I build credit history. I...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do 10 year-old luxury cars lose so much value? ### Answer: +1 They are over priced to begin with - More specifically they are expensive to create exclusivity, which raises their value to people wh...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is 0% credit card utilization worse than 1-20% credit card utilization for any reason other than pure statistics? ### Answer: Having no utilization makes you an outlier, it's an unusual circumstance f...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do US retirement funds typically have way more US assets than international assets? ### Answer: It's likely that the main reason is the additional currency risk for non-USD investments. A wider di...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is this fund? ### Answer: SMID CAP FUND is Fidelity's way of saying SMALL to MID CAP FUND. Small to Medium is self explanatory. Cap is capitalization, and it basically means how much the sum of...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Withdrawing cash from investment: take money from underperforming fund? ### Answer: Bob should treat both positions as incomplete, and explore a viewpoint which does a better job of separating value f...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When the market price for a stock is below a tender offer's price, is it free money (riskless) to buy shares & tender them? ### Answer: That price is the post-tender price, which already reflects arbi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should an IRA be disclaimed to allow it to be distributed according to a will? ### Answer: There are two different possible taxes based on various scenarios proposed by the OP or the lawyer who drew u...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there any way to buy a new car directly from Toyota without going through a dealership? ### Answer: As others have addressed the legality in their answers, I want to address the idea of the dealers...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the fundamental levels that makes a Stock Ideal? (either to sell or buy) ### Answer: for buying: High PE, low debt, discount = win. a company with high debt (in relation to revenues and cash ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What type of returns Vanguard is quoting? ### Answer: From the Vanguard page - This seemed the easiest one as S&P data is simple to find. I use MoneyChimp to get - which confirms that Vanguard's pag...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How much should a new graduate with new job put towards a car? ### Answer: most of the people who lurk in money.se will probably tell you to spend as little as possible on a car, but that is a really ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tax implications of restricted stock units ### Answer: With the Employee Stock Purchase Plan stock, if you sell it in less than 18 months from exercise, the discount you bought it at (normally 15%) be...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why pay estimated taxes? ### Answer: Your logic is not wrong. But the risk is more significant than you seem to assume. Essentially you are proposing taking a 2.6% loan to buy stocks. Is that a good...