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Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are these really bond yields? ### Answer: It's worth pointing out that a bulk of the bond market is institutional investors (read: large corporations and countries). For individuals, it's very easy to...
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: Guns. Without them, any other conceivable asset would be taken from you. By someone with guns. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: value of guaranteeing a business loan ### Answer: The standard goal of valuing anything is to seek the fair price for that thing in the open market. Depending on what is being valued, that may or may ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would Two ETFs tracking Identical Indexes Produce different Returns? ### Answer: The top ten holdings for these funds don't overlap by even one stock. It seems to me they are targeting an index fo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying my first car out of college ### Answer: Read "Stop Acting Rich" by Dr Thomas Stanley. I'm concerned that even before you've earned your first paycheck you want a flashy car. $4800/yr on $63K/yr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are credit histories/scores international? ### Answer: Currently the credit history are not International but are local. Many countries don't have a concept of credit history yet. Having said that, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to reduce mortgage rate with low income but high assets ### Answer: In your shoes, I would pay off the mortgage with the after tax investments and be done. You have different goals than I do in t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: ETF S&P 500 with Reinvested Dividend ### Answer: Vanguard has low cost ETFs that track the S&P 500. The ticker is VOO, its expense ratio is 0.05%, which is pretty low compared to others in the market....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do people always talk about stocks that pay high dividends? ### Answer: Dividends telegraph that management has a longer term focus than just the end of quarter share price. There is a committmen...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Value of credit score if you never plan to borrow again? ### Answer: You're definitely not the first to pose this question. During the peak of the housing crisis I noticed a decent amount of very hig...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can foreign investor (residing outside US) invest in US company stocks? ### Answer: Instead of SSN, foreign person should get a ITIN from the IRS. Instead of W9 a foreigner should fill W8-BEN. For...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is Cost of Living overstated? ### Answer: after 30 years, you'd have a million dollar house vs a quarter million dollar house. You've captured three quarters of a million dollars in rent, given my nap...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: 60% Downpayment on house? ### Answer: I would lean towards making a smaller down payment and hanging onto savings for flexibility. Questions to think about: If you have enough cash that you can make a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to start investing/thinking about money as a young person? ### Answer: I think "Rich Dad Poor Dad" is a good read for understanding the basics of personal finance in a non-technical format before ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I buy a new house before selling my current house? ### Answer: There's also the option to put most of your stuff into storage and rent an apartment or go to an extended stay hotel. Some apartment...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying a multi-family home to rent part and live in the rest ### Answer: Also, does anyone know of any books on doing this sort of thing, i.e. renting out half of your home to a tenant and living in t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What headaches will I have switching from Quicken to GnuCash? ### Answer: It's been a long time since I've used MS Money and/or Quickbooks (never Quicken), but I've used GnuCash over the past year or ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buy home and leverage roommates, or split rent? ### Answer: what I should think about. If you decide to do this - get everything in writing. Get lease agreements to enforce the business side of the r...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does dividend on 401K have any effect on gains ### Answer: Adjusting for a market change from day to day, the dividend should have no impact on you. Your X shares time $Y should be nearly identical ri...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would a bank take a lower all cash offer versus a higher offer via conventional lending? ### Answer: Often the counter-party has obligations with respect to timelines as well -- if your buying a h...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can capital loss in traditional IRA and Roth IRA be used to offset taxable income? ### Answer: No, you cannot. If you withdraw everything from all your Roth IRA's and end up with less than the total b...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: First concrete steps for retirement planning when one partner is resistant ### Answer: I'd try to (gently) point out to your husband that what he thinks he wants to do now and what he might want to do...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does it make sense to buy a house in my situation? ### Answer: Personally I would hold off on buying a house until you have the credit card paid down even more or paid off completely so that it is one...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Best way to start investing, for a young person just starting their career? ### Answer: First, congratulations on even thinking about investing while you are still young! Before you start investing, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the financial advantages of living in Switzerland? ### Answer: Switzerland was once known for its high regard for private property rights. Recently it is has started to violate those rights ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is foreign stock considered more risky than local stock and why? ### Answer: In addition to @MD-tech's answer: I'd distinguish between stock of a foreign company traded in local currency at a local ex...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do banks encourage me to use online bill payment? ### Answer: Most transactions that the bank performs for you are electronic ACH transactions, so the costs to them are minimal in the long run. M...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why are interbank payment (settlement) systems closed for weekends and holidays? ### Answer: TARGET2 is a high value realtime settlement system across Europe and for this to be open on weekends would ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: how to show income from paypal as export income ### Answer: PayPal pays with service tax, where ever you have exported you would have given the invoice, and the statement should be shown. I am also an...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does anyone offer no interest loans? ### Answer: Such loans are of course possible. They exist because the lender gains something other than interest from them: What would happen to the economy if the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it better to miss the dividend and buy the undervalued stock? ### Answer: I guess the answer lies in your tax jurisdiction (different countries tax capital gains and income differently) and your pa...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why invest for the long-term rather than buy and sell for quick, big gains? ### Answer: As an easy way to answer... look at an index, let's say the S&P 500. Look at the price this last October, and p...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Lowest Interest Options for Short-Term Loan ### Answer: Also talk to your bank(s) or credit union(s); first one of mine I looked at offers an unsecured loan at 7% variable, and a signature loan at 7.5...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Value of tokens bought at an older price ### Answer: You will make a profit in nominal dollars (or nominal units of whatever currency you used to buy the token). Whether you'll make a profit in real ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have a loan with a 6.5% interest rate. Should I divert money into my 401(k) instead of prepaying? ### Answer: The long term growth is not 6.5%, it's 10% give or take. But, that return comes with ris...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If the former owner of my home is still using the address, can it harm me? ### Answer: Give it to your mailman to return to sender. For this kind of material, return service is always requested, and i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Home sale: No right to terminate? ### Answer: The most likely reason for this is that the relocation company wants to have a guaranteed sale so as to get a new mortgage in the new location. Understan...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should retirement fund be equal to amount of money needed for financial independence? ### Answer: I want to know ideally how much should a person save for retirement funds? A person should save enou...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should we invest some of our savings to protect against inflation? ### Answer: If I were in your shoes (I would be extremely happy), here's what I would do: Get on a detailed budget, if you aren't doi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How will the fall of the UK Pound impact purchasing my first property? ### Answer: There are two impacts: First, if the pound is dropping, then buying houses becomes cheaper for foreign investors, so ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What can we conclude/learn from inst. own %? ### Answer: There are a LOT of reasons why institutional investors would own a company's stock (especially a lot of it). Some can be: The company is in one...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: United States Treasury Not Endorsing Checks ### Answer: Welcome to the 21st century, the New Order. Forget all that legal mumbo jumbo you may have read back in law school in the 1960s about commercial...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to compare the value of a Masters to the cost? ### Answer: I wasn't 100% on which columns of the scale you were referring to, but think I captured the correct ones in this comparison, using the sc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the most conservative split of financial assets for my portfolio in today's market? ### Answer: This is a somewhat complicated question because it really depends on your personal situation. Fo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it bad etiquette to use a credit or debit card to pay for single figure amounts at the POS ### Answer: Personally, I think it's a bad practice, because ultimately using cards for such minuscule tra...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to exclude stock from mutual fund ### Answer: Owning a stock via a fund and selling it short simultaneously should have the same net financial effect as not owning the stock. This should work bot...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Ethics and investment ### Answer: Are there businesses which professionally invest ethically? Yes. The common term for this is "socially responsible investing". Looking at that page and googling tha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are junk bonds advisable to be inside a bond portfolio that has the objective of generating stable income for a retiree? ### Answer: I let someone else pick and chose which junk bonds to buy and which...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Auto balancing portfolio through new purchases ### Answer: Finding the "optimal" solution (and even defining what optimal is) would probably take a lot of searching of all the possible combinations of...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Calculate price to earning and price to sale value for given dataset ### Answer: Too calculate these values, information contained in the company's financial statements (income, balance, or cashflow) ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Was this a good deal on a mortgage? ### Answer: I'm calculating that to about a 7% apr, which given loan rates available today seems a bit high. I wouldn't get too caught up on what that equates to ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do algorithmic trading platforms typically have live-data access to stock data? ### Answer: Yes, Interactive Brokers is a good source for live data feeds and they have an API which is used to programm...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is a good open source Windows finance software ### Answer: You really shouldn't be using class tracking to keep business and personal operations separate. I'm pretty sure the IRS and courts frown...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tax ID for an international student investing in U.S stocks ### Answer: You need an ITIN. Follow the instructions on the IRS page to apply. You might be better off getting an on-campus employment auth...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I sell my stocks when the stock hits a 52-week high in order to “Buy Low, Sell High”? ### Answer: I bought 1000 shares of Apple, when it was $5. And yet, while the purchase was smart, the sales...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Purchasing a home using collateral ### Answer: What do you see as the advantage of doing this? When you buy a house with a mortgage, the bank gets a lien on the house you are buying, i.e. the house yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Am I putting myself at any security risks by putting all my money in one bank institution? ### Answer: For small amounts I wouldn't be too concerned. There are two factors I can think of: For relati...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I continue to invest in an S&P 500 index fund? ### Answer: 5-8 years is not quite long term. Until the naughts (the 2001-10 decade), advisors were known to say that the S&P was always positive...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How much (paper) cash should I keep on hand for an emergency? ### Answer: Coming from an area that is hurricane prone, and seeing what happens to local businesses during evacuations/power outages/gas ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I get a discount on merchandise by paying with cash instead of credit? ### Answer: There are two fundamentally different reasons merchants will give cash discounts. One is that they will not have ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are variable rate loans ever a good idea? ### Answer: It is often the case (more commonly in countries other than the USA) that a fixed-term loan has an early redemption penalty, because the lender th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I negotiate a lower salary to be placed in a lower tax bracket? ### Answer: I think Feral Oink said it well here when someone asked if they should negotiate for additional benefits in lieu of a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is this follow-up after a car crash a potential scam? ### Answer: You have to realize that you're trying to have your cake and eat it too. You want to do things "unofficially" by not reporting the ac...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it wise to invest in a stock with a large Div yield? ### Answer: BHP Billiton has room to answer doubters as commodities rout batters debt notes in part: There has been speculation that the company...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Option on an option possible? (Have a LEAP, put to me?) ### Answer: There are options on options. Some derivative instruments assets ARE options (some ETFs), and you are able to buy shares of those E...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is candlestick charting an effective trading tool in timing the markets? ### Answer: Your questions In the world of technical analysis, is candlestick charting an effective trading tool in timing the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why can't the government simply payoff everyone's mortgage to resolve the housing crisis? ### Answer: I think Energy and Mike point out the some serious issues but the prospects for the futures also n...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Investing for Dummys ### Answer: You can't get started investing. There are preliminary steps that must be taken prior to beginning to invest: Only once these things are complete can you think about i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the tax implications if I do some work for a company for trade, rather than pay? ### Answer: Bartering is a tricky discussion. Yes, it definitely applies when you are self-employed and do a j...
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: Institutions may be buying large quantities of the stock and would want the price to go up after they are done...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is a trust? What are the different types of trusts? ### Answer: From a more technical point of view, a trust is a legal relationship between 3 parties: Trusts can take many forms. People setup tr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I get a dividend “free lunch” by buying a stock just before the ex-dividend date and selling it immediately after? [duplicate] ### Answer: Not minutes, but hours. The "ex-dividend" date is the de...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the best asset allocation for a retirement portfolio, and why? ### Answer: Aggressiveness in a retirement portfolio is usually a function of your age and your risk tolerance. Your portfolio is...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How Often Should I Chase a Credit Card Signup Bonus? ### Answer: Your credit score is definitely affected by the age of your credit accounts, so if you frequently close one card and open another new o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Will the ex-homeowner still owe money after a foreclosure? ### Answer: Yes, the borrower is responsible for paying back the full amount of the loan. Foreclosure gives the bank possession of the proper...
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: Every $1,000 you use to pay off a 26% interest rate card saves you $260 / year. Every $1,000 you use to pay off a 23% interest ra...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I received $1000 and was asked to send it back. How was this scam meant to work? ### Answer: There are three possibilities. This is a scam, as others have pointed out, it works by you sending money, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I cancel an existing credit card so I can open another that has rewards? ### Answer: You're right to keep the oldest one. That's an asset to your credit rating. Since you're already responsibl...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Website for managing personal cash inflow and outflow, applicable to India? ### Answer: You might like https://planwise.com/index.htm ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How credible is Stansberry's video “End of America”? ### Answer: No. I glanced through the article you linked to. It's quite lengthy, but not compelling. I'd not lose any sleep over this. Others wit...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Would you withdraw your money from your bank if you thought it was going under? ### Answer: If the FDIC didn't insure your deposit, there would be a run on EVERY bank, so there is no way the governmen...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I wait a few days to sell ESPP Stock? ### Answer: Usually the amount of the ESPP stocks is very small compared to the overall volume of the trading, so it shouldn't matter. But check if for you...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does giving to charity work? ### Answer: If you don't have much money, and more important, don't itemize, donations are strictly between you and your karma. If you itemize (from a combination of m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I need to file taxes jointly with my girlfriend if we live together? ### Answer: If you pay her rent, how do you differ from a tenant in the eyes of the law? I ask this to show that you are in a bu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it wise to invest in a stock with a large Div yield? ### Answer: There have been many interesting and correct answers but to give a direct answer to your first question, dividend yield is simply di...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is my wash sale being calculated incorrectly? ### Answer: According to Wikipedia this is still a wash sale: In the USA wash sale rules are codified in "26 USC § 1091 - Loss from wash sales of stock ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Unmarried Couple Splitting up with Joint Ownership of Home ### Answer: Despite the unmarried status, you need to see a lawyer. Essentially you have a business with this person owning a home as the as...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to account for startup costs for an LLC from personal money? ### Answer: If you have a single member LLC there is no need to separate expenses in this way since it is simply treated as part of the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I move my money market funds into bonds? ### Answer: There is a thing called the Sharpe Ratio. This Ratio takes return/risk with risk being defined as the standard deviation of prices over time...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: US ISA equivalent for tax exempt investment & savings ### Answer: As far as I know, there is no direct equivalent. An IRA is subject to many rules. Not only are there early withdrawal penalties, but ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I owe taxes if my deductions are higher than my income? ### Answer: In your case, I believe the answer is that you don't owe any taxes, if your deductions exceed your income. There is something cal...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Deal with stock PSEC ### Answer: It looks like it has to deal with an expiration of rights as a taxable event. I found this link via google, which states that Not only does the PSEC shareholder have ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it possible to lower the price of a stock while buying? ### Answer: The strategy could conceivably work if you had sufficient quantity of shares to fill all of the outstanding buy orders and fill y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Relative worth of investment versus spending for the economy ### Answer: I don't think that there's a specific number or index that gives you what you're looking for. I think the closest thing to it ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I be claiming more than 1 exemption? ### Answer: J - Approaching the answer from the W4 perspective (for calculation purposes) may be more trouble that it's worth. I'd strongly suggest you use ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Who can truly afford luxury cars? ### Answer: In addition to those who are wealthy (not the same as high income), there are also a certain number of people whose professional livelihood is enhanced by...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does it make sense to buy an index ETF (e.g. S&P 500) when the index is at an all-time high? ### Answer: In other words, to a first-order approximation, the S&P 500 is always at an all-time high. I'm ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What gives non-dividend stocks value to purchasers? [duplicate] ### Answer: Instead of giving part of their profits back as dividends, management puts it back into the company so the company can grow ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's “wrong” with taking money from your own business? ### Answer: If you are the only owner: then morally there is nothing wrong with this, as long as you make sure that everything is tracked so th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Getting live data from Yahoo! Finance for the National Stock Exchange of India (NSE)? ### Answer: I wouldn't think so. If you read the list of features listed on the page you referred to, notice: Tra...