Datasets:
circircircle
/
FinQA

Dataset card Data Studio Files
xet
 Community
text
stringlengths
146
45.7k
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Hedging against an acquisition of a stock ### Answer: Firstly, going short on a stock and worrying if the price suddenly gaps up a lot due to good news is the same as being long on a stock and worryin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I invest in a Health Insurance +1 policy from my Employer? ### Answer: If I read your figures correctly, then the cost difference is negligible. ($1.84 difference) The main determining factor, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I have some old gold jewellery, is it worth it to sell it for its melt value? ### Answer: Get your jewelery appraised. (Don't let whoever does the appraisal be the same person whom you would sell ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I detect potential fraud in a company before investing in them? ### Answer: Even without fraud, a company can get into serious trouble overnight, often through no fault of their own. That's pa...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I prove having savings without giving out the account number? ### Answer: Have you been rejected from a rental for a specific reason (leading to this question)? Landlords are in the business of e...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is Mint allowed to share user data with other Intuit entities? ### Answer: I wound up asking Mint over email so I'll share the answer I received: Thank you for contacting Mint.com. From my understand...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: US citizen sometimes residing in spain, wanting to offer consulting services in Europe, TAXES? ### Answer: With something this complicated you are going to want to consult professionals. Either a prof...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I get a home loan within 2 years of bankruptcy? ### Answer: There are a few loan programs that grant exceptions to bankruptcy requirements in the event of extenuating circumstances that can be...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Working in Iran for foreign company ### Answer: You should talk to a lawyer who's familiar with the matter. I'm not such a lawyer. For the best of my understanding, at least with regards to the US, th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does anyone make significant money on very low volume stocks? ### Answer: First, I want to point out that your question contains an assumption. Does anyone make significant money trading low volum...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Will a credit card company close my account if I stop using it? ### Answer: The answer is maybe. I had a Chase card without a purchase in over 4 years get canceled out of the blue, without so much as ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Am I legally allowed to offset the tax I pay on freelance work? (UK) ### Answer: Yes, you can deduct from your taxable profits (almost) any expenses incurred in the course of your business. See here f...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are banks really making less profit when interest rates are low? ### Answer: Banks make less profit when "long" rates are low compared to "short" rates. Banks lend for long term purposes like five yea...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Will an ETF increase in price if an underlying stock increases in price ### Answer: The ETF supply management policy is arcane. ETFs are not allowed to directly arbitrage their holdings against the m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: As a total beginner, how do I begin to understand finance & stocks? ### Answer: Your questions seek answers to specifics, but I feel that you may need more general help. There are two things, I feel, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: LLC in states with customers with and without employees in the state ### Answer: If I hire someone in Utah to do sales for me over the phone, and he works out of his home, am I required to register ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Intro to Investment options for a Canadian ### Answer: I got started by reading the following two books: You could probably get by with just the first of those two. I haven't been a big fan of the "fo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is 6% too high to trade stocks on margin? ### Answer: 6% isn't "too high" in terms of market rates at the moment, however it's a very subjective question whether it's too high for you. The real questi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Better ways to invest money held by my small, privately-held Canadian corporation? ### Answer: The issue only arises when the investments grow in size. A small amount won't trigger the higher tax rat...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do some symbols not have an Options chain for specific expiration dates? ### Answer: The answer is actually very simple: the cost of data. Seriously. Call the CBOE tomorrow and ask yourself. They ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I pay for school to finish my degree when I can't get a student loan and have bad credit? ### Answer: When considering such a major life decision, with such high potential costs and high poten...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does a company's stock price give any indication to or affect their revenue? ### Answer: Most of stock trading occurs on what is called a secondary market. For example, Microsoft is traded on NASDAQ, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there statistics showing percentage of online brokerage customers that are actually making a profit trading forex/futures/options? ### Answer: It looks like these types of companies have to disclo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How should I allocate short-term assets in a rising-interest rate environment? ### Answer: How should I allocate short-term assets in a rising-interest rate environment? Assuming that the last part ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Pros/cons of borrowing money using a mortgage loan and investing it in a low-fee index fund? ### Answer: Essentially, what you're describing is a leveraged investment. As others noted, the question i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Freelancer in India working for Swiss Company ### Answer: I am a freelancer based in Europe and I want to tell you: - if you are a freelancer, then you INVOICE your Swizzerland based client The word s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Difference between Edward Jones or Betterment ### Answer: Instead of saying which one is better, which is too subjective, I think it is more important to understand what these institutions are. They ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do UK banks require monthly “pay in” into current account? ### Answer: Banks are not your friends, they are not performing services for you because they like you. They are a business, and they mak...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why invest in IRA while a low-cost index fund is much simpler? ### Answer: The advantage of an IRA (or 401k) is you get taxed effectively one time on your income, whereas you get taxed effectively mul...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Am I considered in debt if I pay a mortgage? ### Answer: Yes. A mortgage is a kind of debt. Someone lends you money to buy your house, and you owe them the money, so you have debt. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I spend less? ### Answer: There are many tactics you can use. If your biggest problem is regretting your larger purchases, I'd suggest giving yourself rules before making any purchases over a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Which market orders to meet this recommendation : 'Take a position on the purchase of the fooBar share, protect your capital by placing a stop' ### Answer: You would place a stop buy market order at 4...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: give free budgeting advice ### Answer: They've asked you, so your advice is welcome. That's your main concern, really. I'd also ask them how much, and what kind of advice. Do they want you to point ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Executing a stop loss at the purchase price? ### Answer: You will lose out on your spread, you always pay a spread. Also, if you are looking at a strategy for using stop losses, try taking into accoun...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Pros/cons of borrowing money using a mortgage loan and investing it in a low-fee index fund? ### Answer: Well for a start funds don't pay interest. If you pick an income-paying fund (as opposed to on...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why are Rausch Coleman houses so cheap? Is it because they don't have gas? ### Answer: In northwest Arkansas, most of the houses this company offers do cost about 90 - 110 dollars per square foot. Th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are frontier markets? Is investing in them a good idea? ### Answer: From Wikipedia A frontier market is a type of developing country which is more developed than the least developing countries, b...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Weekly budgets based on (a variable) monthly budget ### Answer: Developing self-discipline in his spending habits is a prerequisite for dealing with a (sometimes low) variable income. While it might ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does a public company turn shares into cash? ### Answer: how do they turn shares into cash that they can then use to grow their business? Once a Company issues an IPO or Follow-On Public Offer, th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Brent crude vs. USD market value ### Answer: I don't think the two are particularly linked. While Brick is right in that the price of oil is denominated in dollars, I don't think that's responsible f...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I invest in real estate to rent, real estate to live in, or just stocks and bonds to earn 10-15%? ### Answer: That your asking is a good first step towards taking control of your future. But tr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it really possible to get rich in only a few years by investing? ### Answer: To get rich in a short time, it's more likely what you want to do is go into business. You could go into a non-investmen...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Issuing bonds at discount - computing effective interest rate ### Answer: In this case the market interest rate is the discount rate that sets equal the market price (current value) of the bond to its...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Found an old un-cashed paycheck. How long is it good for? What to do if it's expired? ### Answer: In the UK the official rule is that a cheque is valid for 3 years from the date it was wrote. However ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the options for a 19-year-old college student who only has about $1000? ### Answer: The "$1000 is no money at all" people are amusing me. Way back in the mists of time, a very young me invest...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to find a public company's balance sheet and income statement? ### Answer: The websites of the most publicly traded companies publish their quarterly and annual financials. Check the investor rel...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What benefits do “title search companies” have over physically visiting a land records offices? ### Answer: Title agencies perform several things: Research the title for defects. You may not know what...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Joining a company being acquired ### Answer: The best answer I can give is - be prepared for change. There's no perfect question you can ask or assurance you can get prior to accepting the offer that ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: is the bankruptcy of exchange markets possible? ### Answer: It might be easiest to think of stock exchanges like brokers. If you buy a home, and your broker goes bankrupt, you still own your home, bu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I get a mortgage from a foreign bank? ### Answer: You definitely used to be able to (see this BBC article from 2006), and I would imagine that you still can, although I also imagine that it would ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are some of the key identifiers/characters of an undervalued stock? ### Answer: You can't. If there was a reliable way to identify an undervalued stock, then people would immediately buy it, its ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Owning REIT vs owning real estate - which has a better hypothetical ROI? ### Answer: REIT is to property as Mutual Fund is to stock. In others words, a REIT spreads your risk out over a greater numbe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I do periodic rollovers from my low-perfoming 401k to an IRA? ### Answer: There are certain allowable reasons to withdraw money from a 401K. The desire to free your money from a "bad" plan is not...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: UK Resident exploring freelance work for a Swiss Company ### Answer: If the firm treats you as an employee then they are treated as having a place of business in the UK and therefore are obliged to op...
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: Intellectually and logically, it shouldn't bother me for a second to charge something for a bu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to find cheaper alternatives to a traditional home telephone line? ### Answer: How low you can reduce your costs does depend on your calling pattern. How many minutes per month you call locally; ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Typical return for an IRA? How can I assess if my returns were decent? ### Answer: Do you want to retire? If so, when? How long do you expect to live? How much per month in today's dollars do you ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Would I qualify for a USDA loan? ### Answer: IMHO you are in no position to buy a home. If it was me, I'd payoff the student loans, pay off the car, get those credit card balances to zero (and keep t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I improve my credit score if I am not paying bills or rent? ### Answer: Buy a car. Vehicle loans, like mortgages, are installment loans. Credit cards are revolving lines of credit. In the US, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a dollar amount that, when adding Massachusetts Sales Tax, precisely equals $200? ### Answer: Yes, it's a simple calculation. (x+0.0625x)=200 or x=200/1.0625 = $188.24 Technically $188.24 plu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When should I start saving/investing for my retirement? ### Answer: Start now. It's a lot easier to save now than it is to start to save later. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have savings and excess income. Is it time for me to find a financial advisor? ### Answer: I think you might be asking the wrong question. You have plenty of capital on the side that can be invested...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I register a UK business without providing a business address? ### Answer: You don't have to provide your personal home address per se. You can provide a legal address where Companies house ca...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where to start with finding good companies to invest? ### Answer: There obviously is not such a list of companies, because if there were the whole world would immediately invest in them. Their price w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is day trading considered riskier than long-term trading? ### Answer: But I don't see how it's any different than buying a stock at a low price and holding on to it for some months. Based on your ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why don't some places require a credit card receipt signature, and some do? ### Answer: My understanding it that the signature requirement is at the retailer's discretion. If the merchant decides to r...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Stocks taxed just for selling, or just when withdrawing? ### Answer: Taxes are triggered when you sell the individual stock. The IRS doesn't care which of your accounts the money is in. They vie...
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: Don't fuss about your credit score when you're paying 9%. Get rid of the loan as fast as you can. Period. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Must a company have a specific number of employees to do an IPO? ### Answer: Working for a lot of startups, I have seen this cycle. Really it has little to do with making the IPO look good because of ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to share income after marriage and kids? ### Answer: My suggestion would be that you're looking at this the wrong way, though for good reasons. Once you are a family, you should - and, in most ca...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are pros and cons of UK Building Societies compared to banks? ### Answer: they may be willing to issue mortgages with smaller deposits, but may take longer to make a decision That cannot be farth...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What taxes are assessed on distributions of an inherited IRA? ### Answer: For an inherited IRA, there are a few options for taking distributions. You clearly haven't done option 1. It sounds like you ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to diversify IRA portfolio given fund minimum investments and IRA contribution limits? ### Answer: If you have other savings, the diversification occurs across the accounts. e.g. my 401(k) has acc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does Capital Surplus mean? ### Answer: Capital surplus is used to account for that amount which a firm raises in excess of the par value (nominal value) of the shares (common stock).. Investopedi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: moving family deposits away from Greece (possibly in UK) ### Answer: I can't comment about your tax liability in Greece. You will have to pay tax on interest in the UK. If you are earning massive amou...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What should I do with my $10K windfall, given these options? ### Answer: If you need a new roof because your house is full of buckets that fill up every rain :) then that's most likely the item at the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Saving up for an expensive car ### Answer: I've read online that 20% is a reasonable amount to pay for a car each month - Don't believe everything you read on the internet. But, let me ask, does your...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why should one only contribute up to the employer's match in a 401(k)? ### Answer: I'd hazard that Jim is mostly worried that people are getting ripped off by high employer 401(k) fund fees. A lot of ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: 30% share in business ### Answer: Get involved a lawyer and Accountant. Without it you may not be sure what you are getting. What exactly will 30% mean for me? It will mean exactly what gets written i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I use FOREX markets to exchange cash? ### Answer: Because the standard contract is for 125,000 euros. http://www.cmegroup.com/trading/fx/g10/euro-fx_contractSpecs_futures.html You don't want to u...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Considering investing in CHN as a dividend stock ### Answer: The yield on Div Data is showing 20% ((3.77/Current Price)*100)) because that only accounts for last years dividend. If you look at the lef...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Getting financial advice: Accountant vs. Investment Adviser vs. Internet/self-taught? ### Answer: Do I need an Investment Adviser? No, but you may want to explore the idea of having one. Is he going ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: VAT and German freelance working on international project ### Answer: The VAT number should be equivalent from the point of view of your client. The fact that you are a sole trader and not a limited l...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: why do I need an emergency fund if I already have investments? ### Answer: It all depends on the liquidity of your investments some examples: You can mitigate only the risk that you can control. It is...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What financial data are analysed (and how) to come up with a stock recommendation? ### Answer: The short answer: it depends. The long answer.. Off the top of my head, there are quite a number of facto...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Fund equalisation / dividend ### Answer: Do all/most unit trusts have equalisation policy? It is really that some value of the fund is given to the investor, so the fund value goes down by that much p...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is Cash Value Life Insurance (“whole life” insurance) a good idea for my future? ### Answer: Almost everyone needs an insurance, you should also probably buy it. If you are good at planning [which it ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why are there many small banks and more banks in the U.S.? ### Answer: In the US, paper checks are still the rule, and there is a large amount of the population that does not care to use online bankin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Accounting equation: does income really decrease equity? ### Answer: If your income stream goes up, it would usually increase both your "income" term and your "assets" term since that money sits in yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I have to pay tax on money I earn as a tutor? ### Answer: There is a moral and legal obligation to file the earnings. Not doing so is tax fraud. You should keep a ledger or some record of your earn...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Question about protecting yourself from company not beating earning eastimate ### Answer: The best thing to do to avoid this is not to sell as you've described. What purpose does it solve? If you're s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Gift card fraud: To whom to report? How to recover funds? Is the party which issued me the card liable? ### Answer: Question 1: Who do I report such fraud to? Walmart, or their card processor. They ma...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can one get their FICO/credit scores for free? (really free) ### Answer: It appears that you already know this, but FICO credit scores (as controlled by Fair Isaac Corporation) are the real offici...
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: Finding Uncorrelated Assets ### Answer: Have a look at: Diversify Portfolio. The site provides various tools all focused on correlation, diversification and portfolio construction. You can scan throug...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does “points” mean in such contexts (stock exchange, I believe)? ### Answer: What does "points" mean In any stock market, there are certain stocks that go up and certain stocks that go down. Henc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I carelessly invested in a stock on a spike near the peak price. How can I salvage my investment? ### Answer: You probably bought the stock near the peak because "it's been up a lot lately." That's th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it possible to improve stock purchase with limit orders accounting for volatility? ### Answer: There is no such thing as buying at the best price. That only exists in hindsight. If you could consis...
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: Similar to @SoulsOpenSource's answer, I would suggest Venmo, which works like PayPal but is free for debit-card-to-debit-card transactions. More informati...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can two companies own stock in each other? ### Answer: Yes, this happens a lot. And in many cases companies don't even know this is happening. Collateralized Debt Obligations frequently contain pieces...