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Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Other than being able to borrow to invest, how is a margin trading account different from a cash account? ### Answer: Probably the most significant difference is the Damocles Sword hanging over your h...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Other than being able to borrow to invest, how is a margin trading account different from a cash account? ### Answer: With margin accounts you will be able to use the proceeds from a closed trade INST...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Other than being able to borrow to invest, how is a margin trading account different from a cash account? ### Answer: In summary: In long form: Spreads and shorts are not allowed in cash accounts, exc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Other than being able to borrow to invest, how is a margin trading account different from a cash account? ### Answer: Two more esoteric differences, related to the same cause... When you have an outst...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What funds were closed during or after the recent recessions? ### Answer: Yes, many hedge funds (for example) did not survive 2008-2009. But hedge funds were failing both before and after that period...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is the return on investment better with high or low dividends? ### Answer: It is a bit more complicated than whether it pays more or less dividends. You should make your decision based on how well the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is the return on investment better with high or low dividends? ### Answer: Let's say two companies make 5% profit every year. Company A pays 5% dividend every year, but company B pays no dividend but ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is the return on investment better with high or low dividends? ### Answer: Someone (I forget who) did a study on classifying total return by the dividend profiles. In descending order by category, the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Advantages/Disadvantages to refinancing online? ### Answer: If you can deal with phone calls instead of a face to face meeting, for the average person with an average refinance online tools just offer...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Advantages/Disadvantages to refinancing online? ### Answer: For what its worth, I recently closed on a 30 year refinance mortage with an agent I found through Zillow. The lender has a perfect 5/5 rep...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Advantages/Disadvantages to refinancing online? ### Answer: If you've been in your house for a few years (and have built some equity up) and the market is active in your area, online is probably fine....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are Forex traders forced to use leverage? ### Answer: While it's not true that you have to use leverage to participate in Forex, the alternative makes it impractical for most people to be able to do s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are Forex traders forced to use leverage? ### Answer: No one is FORCED to use leverage. But most people do. Trading companies like it because, the more leverage, the more "business" (and total commiss...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are Forex traders forced to use leverage? ### Answer: It isn't that the companies force traders, it is more the other way around. Traders wouldn't trade without margin. The main reason is liquidity an...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are Forex traders forced to use leverage? ### Answer: Actually, most of the forex traders do not prefer the practice of leveraging. In forex trading, a contract signed by a common trader is way more t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are Forex traders forced to use leverage? ### Answer: I recommended Currency Trading For Dummies, in my answer to Layman's guide to getting started with Forex (foreign exchange trading)? The nature of...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I write off time spent learning my trade - Two-Man S-Corp ### Answer: I'm not sure what you mean by "writing off your time," but to answer your questions: Remember that, essentially, you are a sal...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: person on loan with cosigner ### Answer: This will probably require asking the SO to sign a quitclaim and/or to "sell" him her share of the vehicle's ownership and getting it re-titled in his own name...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Blog income taxes? ### Answer: If the money comes to you, then it's income. If the money goes out from you, it's an expense. You get to handle the appropriate tax documentation for those business tr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Blog income taxes? ### Answer: If thinking about it like a business you normally only pay taxes on Net income, not gross. So Gross being all the money that comes in. People giving you cash, checks, w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can I find accurate historical distribution data for mutual funds? ### Answer: In the case of a specific fund, I'd be tempted to get get an annual report that would disclose distribution data go...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can I find accurate historical distribution data for mutual funds? ### Answer: I keep spreadsheets that verify each $ distribution versus the rate times number of shares owned. For mutual funds,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can I find accurate historical distribution data for mutual funds? ### Answer: If you want to go far upstream, you can get mutual fund NAV and dividend data from the Nasdaq Mutual Fund Quotation...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How many days does Bank of America need to clear a bill pay check ### Answer: Firstly, it isn't so generous. It is a win-win, but the bank doesn't have to mail me a free box of checks with my new acc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How many days does Bank of America need to clear a bill pay check ### Answer: This is based on my experience with Chase and may not be applicable to other banks. As you mentioned Chase as one of the b...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How many days does Bank of America need to clear a bill pay check ### Answer: We have a local bank that changed to a bill pay service. The money is held as "processing" when the check is supposed to ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How many days does Bank of America need to clear a bill pay check ### Answer: My bank's bill payment system saves nothing more than writer's cramp and stamps. When a paper check is required they mail...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How many days does Bank of America need to clear a bill pay check ### Answer: I cannot answer the original question, but since there is a good deal of discussion about whether it's credible at all, he...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How many days does Bank of America need to clear a bill pay check ### Answer: This just happened to me with a Wells Fargo Bill Pay check. WF put a stop payment on the check. The money was taken out o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How many days does Bank of America need to clear a bill pay check ### Answer: I just had this happen to me with Chase and speaking with my executive support contact, they will not return the funds unl...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Paypal website donations without being a charity ### Answer: Yes, Paypal has such a button you can use, but to be clear, the money you receive is taxable income. Your website is providing 'value' to t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Paypal website donations without being a charity ### Answer: Yes, PayPal allows you to add a donate button to your website. You're responsible for any tax record-keeping related to income from the don...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Paypal website donations without being a charity ### Answer: An answer from PayPal stated that donations may be turned on only for Business PayPal accounts that are verified for its non-profit status....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Track uninvoiced (pre-invoiced?) expected income in Quicken ### Answer: You are right on track with your idea of setting up a separate account for invoiced income. Create a new account with the type o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there alternatives to double currency account to manage payments in different currencies? ### Answer: Yes, there is indeed a great alternative for all European residents: getting a Revolut account...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there alternatives to double currency account to manage payments in different currencies? ### Answer: You could use a Credit or Debit Card running in US $, drawing from your US$ account, and pay e...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there alternatives to double currency account to manage payments in different currencies? ### Answer: Cheaper and faster are usually mutually exclusive. If you want faster, nothing is faster than ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there alternatives to double currency account to manage payments in different currencies? ### Answer: Banks in certain countries are offering such facility. However I am not aware of any Bank in H...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there any countries where citizens are free to use any currency? ### Answer: Wikipedia has a list of countries which ban foreign exchange use by its citizens. It's actually quite short but does i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there any countries where citizens are free to use any currency? ### Answer: Sounds like you have a goldbug whispering in your ear. The Coinage Act doesn't restrict you from using foreign currency...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there any countries where citizens are free to use any currency? ### Answer: If I understand correctly, you're actually asking why there isn't a society whose members generally accept/use any curr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there any countries where citizens are free to use any currency? ### Answer: Shops in most touristic places tend to accept major currencies (at least dollar and euro). I remember a trip in Istanbu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Eligibility for stock rights offering ### Answer: Yes, there is a delay between when you buy a stock and when you actually take ownership of it. This is called the settlement period. The settlement p...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can a single-member LLC have a fiscal year not as the calendar year? ### Answer: I'm no tax expert by any means. I do know that a disreagarded entity is considered a sole proprietor for federal tax pu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do small cap stocks perform vs. large cap stocks (like Dow constituents) during bear trends? ### Answer: To a certain extent, small cap companies will in general follow the same trends as large ca...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Understanding taxes when buying goods at a store ### Answer: Grocery food is not subject to sales tax in Maryland, but some food is taxed depending on category or preparation. So you must have had a c...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Understanding taxes when buying goods at a store ### Answer: States have made sales tax more confusing by expanding some categories and shrinking or eliminating other categories. In days of old there ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: “Top down” and “bottom-up approach” ### Answer: I think it's an argument for Keynesian economic policy, basically an abridged version of this paragraph from the Wikipedia article: Keynesian economist...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: “Top down” and “bottom-up approach” ### Answer: Top down approach needed when bottom-up approach of markets leads to periods of high unemployment Imagine a chart that starts with one point at the t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: The Canadian dividend tax credit: Why is it that someone can earn a lot in dividends but pay no/little tax? ### Answer: Basically, yes. That doesn't mean that it's easy to do. The government provides ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: The Canadian dividend tax credit: Why is it that someone can earn a lot in dividends but pay no/little tax? ### Answer: The profits that the corporation had to earn to be able to pay you "eligible" di...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Personal “Profit & Loss Statement” required for mortgage? ### Answer: The bank is asking for a P & L because as a contractor you are in essence running your own business. Its kind of a technicality, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can I find all public companies' information? ### Answer: Moody's is now Mergent Online. It's no longer being printed, and must be accessed digitally. In order to browse the database, check with...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can I find all public companies' information? ### Answer: Edgar Online is the SEC's reporting repository where public companies post their forms, these forms contain financial data Stock screene...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can I find all public companies' information? ### Answer: Here are some approaches you may value: Wolfram Alpha This is a search engine with a difference. It literally is connected to thousands ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can I find all public companies' information? ### Answer: MattMcA definitely gave you excellent advice and said a lot of what I would say to you. Most databases that are going to give you the mo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is the need to issue bonds a telltale sign that the company would have a hard time paying coupons? ### Answer: No, having to borrow money does not necessarily mean a company will have a hard time payi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is the need to issue bonds a telltale sign that the company would have a hard time paying coupons? ### Answer: Apple is currently the most valuable company in the world by market capitalisation and it...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is the need to issue bonds a telltale sign that the company would have a hard time paying coupons? ### Answer: One more scenario is when the company already has maturing debt. e.g Company took out a ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is the need to issue bonds a telltale sign that the company would have a hard time paying coupons? ### Answer: People borrow money all the time to buy a house. Banks will lend money on one (up to 80%,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is the need to issue bonds a telltale sign that the company would have a hard time paying coupons? ### Answer: It (usually) is better to use Other Peoples Money (OPM) than your own. This is something ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Overpaid Rent Owed By Real Estate ### Answer: Have you tried complaining to the Real Estate Institute in your state, and if that doesn't work try taking them to Fair Trading. I know from doing some wo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Gym membership tax deductible? ### Answer: Assuming its in the US: No, it is not, and such things are usually treated as "red flags" for audit (and no, golf club memberships are not deductible either)...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I'm going to start doing my own taxes soon, do I need to start keeping receipts for everything? ### Answer: You don't need to keep receipts for most things, and if you are not going to itemize your...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I'm going to start doing my own taxes soon, do I need to start keeping receipts for everything? ### Answer: You need receipts only if you claim deductions in the itemized deductions section based o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I'm going to start doing my own taxes soon, do I need to start keeping receipts for everything? ### Answer: It's rare that you'd start to itemize before you have a house and the property tax and mo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I'm going to start doing my own taxes soon, do I need to start keeping receipts for everything? ### Answer: The other reason you might want to keep receipts is if you do any freelancing or contract...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to tell if you can trust a loan company? ### Answer: Look for people who have done business with them. If you don't know anyone who has used their services, look for a company that at least has a ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to transfer money to yourself internationally? ### Answer: Hmmm... As far as I know wire transfers are still the best option. If you make sure your US account accepts international wires for free...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to transfer money to yourself internationally? ### Answer: I use XE.com for almost the same purpose. They have free transfer options, such as ACH withdrawals and deposits. I normally do a onlin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to transfer money to yourself internationally? ### Answer: Transferwise is a new peer-to-peer service that's setup to lower fees for international money transfers: https://transferwise.com ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to transfer money to yourself internationally? ### Answer: It really depends on the amount of money - I currently have to pay my mortgage in the UK from the US until my house there is sold and my...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to transfer money to yourself internationally? ### Answer: Although I have not tried, you can check out the Western Union Money Transfers. http://www.westernunion.com/WUCOMWEB/staticMid.do?method...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where to find the 5 or 10 year returns for a mutual fund? ### Answer: Yahoo's primary business isn't providing mutual fund performance data. They aim to be convenient, but often leave something to be...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What legal action can Paypal take against me if I don't pay them and I have a negative balance? ### Answer: Paypal can take exactly the same legal actions against you as any creditor could -- take you...
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: Because of the way checks are processed, you can't write a check for $100 million or more: http://www.bankingquestions.com/checks...
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: Like the old American Express commercial: "no preset spending limit". It is really up to the bank(s) in question how big a cheque...
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: Is there a limit on the dollar amount of a personal check? ### Answer: Not really. A bank will honor a million dollar check if there are funds there to let it clear. ###end
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: Many businesses will request that you get a bank-issued check for large amounts of money. The exception is often in cases where y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Bringing money to UK for investment purposes ### Answer: Transfers of money to the UK for any purpose are not generally taxed, so you can just transfer it here and invest. Once the money is here, you'...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: So the vending machine tore my $5 in pieces. What now? ### Answer: According to the U.S. Bureau of Engraving and Printing, if you have clearly more than one-half of the current bill remaining, you sho...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: So the vending machine tore my $5 in pieces. What now? ### Answer: There is usually contact information for the owner of the machine printed somewhere on it. Call that number. If it is in a business y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there extra fees for a PayPal Premier account? ### Answer: If you are using paypal to sell items online, you need a Premier (or better) account rather than personal. Paypal states: Our fees are th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there extra fees for a PayPal Premier account? ### Answer: Summary: the fees used to differ but no longer do. Fees are the same. If you have a personal account, feel free to upgrade it to premier ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How would I use Google Finance to find financial data about LinkedIn & its stock? ### Answer: Your analysis is correct. The income statement from Google states that LinkedIn made $3.4 million in 2010...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How would I use Google Finance to find financial data about LinkedIn & its stock? ### Answer: The most likely answer to your question regarding what the 'market expects' is perhaps that the market exp...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How would I use Google Finance to find financial data about LinkedIn & its stock? ### Answer: It's been traded publicly for only about a month. I wouldn't put much credence in a P/E ratio just yet be...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How would I use Google Finance to find financial data about LinkedIn & its stock? ### Answer: Remember that "earned" means "earned in profit." A company like LinkedIn may not be trying to earn any pro...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How would I use Google Finance to find financial data about LinkedIn & its stock? ### Answer: When fundamentals such as P/E make a stock look overpriced, analysts often point to other metrics. The PEG...
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: You can file a revised W-4 with your employer claiming more allowances th...
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. An employer is legally obliged to deduct taxes from your pay cheque a...
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: Is there such thing as a Checking account requiring pre-approval / white-list? ### Answer: I don't believe there is such a process. My observation (i.e. my opinion) is that banks will have a level of...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there such thing as a Checking account requiring pre-approval / white-list? ### Answer: There is no bank that I know of offering such a feature and I'm not sure what the point of it would be (other...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there such thing as a Checking account requiring pre-approval / white-list? ### Answer: The account you are looking for is called a "Positive Pay" account. It generally is only for business accoun...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Credit History and Outstanding Debts in Hungary ### Answer: It appears all you have to do is submit a form. It might be better if she submitted it herself instead of you doing it on her behalf. All ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do companies have a fiscal year different from the calendar year? ### Answer: I know some companies or entities have large incomes or expenses at certain times of the year, and like to close their...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do companies have a fiscal year different from the calendar year? ### Answer: I can think of a few good reasons: A company, especially public, usually wants their fourth-quarter earnings to be the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do companies have a fiscal year different from the calendar year? ### Answer: My grandfather owned a small business, and I asked him that very question. His answer was that year-end closeout is v...