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Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are parking spaces and garage boxes a good investment? ### Answer: If the company that owns the lot is selling them it is doing so because it feels it will make more money doing so. You need to read ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it a good investment for a foreigner to purchase a flat/apartment in China? ### Answer: No, it's not. This could be a great question, but with no background, not so much. Do you live there now? Fo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Using credit cards online: is it safe? ### Answer: You're right that someone who, say, photographed the front of your card at the store could use it to make some online purchases. Schemes like Visa's ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I hedge stock options like market makers do? ### Answer: Buying the underlying asset will not completely hedge you, only what lies above 155 dollars (strike + price of option) - you still have ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Earning salary from USA remotely from New Zealand? ### Answer: Yes. You must register for GST as well, if you will be making over the threshold (currently $60,000). That's probably a bonus for you, as...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What significant negative factors affect Yahoo's valuation? ### Answer: There are two very large negative factors that affect Yahoo's valuation. The first is that their search business is in decline...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: After Market Price change, how can I get it at that price? ### Answer: The price of the last trade... Is the price of the last trade. It indicates what one particular buyer and seller agreed upon. The...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Starting an investment portfolio with Rs 5,000/- ### Answer: Given that you are starting with a relatively small amount, you want a decent interest rate, and you want flexibility, I would consider fix...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Online tools for monitoring my portfolio gains/losses in real time? ### Answer: Do you have a broker? Any online brokerage (TD Ameritrade, E*Trade, Scott Trade, etc) offer the functionality that you w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it legal to receive/send “gifts” of Non-Trivial Amounts to a “friend”? ### Answer: This is tax fraud, plain and simple. I recently wrote an article The Step Transaction Doctrine, in which I explain...
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: In the United States, the Fair Credit Reporting Act allows companies to buy your credit information for "legitimate business needs....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What happens if one brings more than 10,000 USD with them into the US? ### Answer: The US Customs and Border Protection website states that there is no limit to the amount of currency that can be brou...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why buy a vertical spread if I could instead buy a naked call? ### Answer: Figured it out. Vertical spreads significantly reduce the amount of "buying power" on the account needed vs. buying / sellin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would I want a diversified portfolio, versus throwing my investments into an index fund? ### Answer: Index funds are well-known to give the best long-term investment. Not exactly. Indexes give the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it better to buy put options or buy an inverse leveraged ETF? ### Answer: You don't have to think it is going down, it is currently trending down as on a weekly chart there are lower lows and lower...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Get car loan w/ part time job as student with no credit, no-cosigner but no expenses ### Answer: Instead of going to the dealership and not knowing if you will be able to get a loan or what the intere...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Optimize return of dividends based on payout per share ### Answer: The term you're looking for is yield (though it's defined the other way around from your "payout efficiency", as dividend / share pri...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do consultants or contractors make more money than employees? ### Answer: All the existing answers are right and the general theme is: contracting is a different kind of relationship. It's a busin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Company revenue increased however stock price did not ### Answer: Note that we do not comment on specific stocks here, and have no place doing so. If your question is only about that specific stock th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Protecting Gains: Buying a Put vs. Leveraged Bear Market vs. Liquidating Long Positions? ### Answer: Buying a put is hedging. You won't lose as much if the market goes down, but you'll still lose cap...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does it mean “sell on ask” , “sell on bid” in stocks? ### Answer: It's good to ask this question, because this is one of the fundamental dichotomies in market microstructure. At any time T for ea...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: A stock just dropped 8% in minutes and now all of a sudden the only way to buy is on the ask, what does this mean? ### Answer: It doesn't sound fishy at all to me. Just seems like you may be dealing w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I may earn a lot of cash soon through self-employment on a lucrative project. How to handle the tax? ### Answer: Seek professional advice as duffbeer703 has suggested already. Very important! Consid...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there any drawback in putting all my 401K into a money market fund? ### Answer: What you're describing is called timing the market. That is, if you correctly predict when the market will drop, you...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is a 401(k) Loan Provision? ### Answer: Basically, a 401(k) can have what is called a "loan", but is more properly a "structured withdrawal and repayment agreement". This allows you to access you...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the meaning of realization in finance? ### Answer: Realization is when you actually have something in hand, it isn't just theoretical anymore. For instance, you may win the lottery, but until...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is this legal: going long on call options and artificially increasing the price of the underlying asset seconds before expiration? ### Answer: Despite the fact that I think there is a litany of inaccu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Vanguard ETF vs mutual fund ### Answer: One reason is that it is not possible (at Vanguard and at many other brokerages) to auto-invest into ETFs. Because the ETF trades like a stock, you typically m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Net Cash Flows from Selling the Bond and Investing ### Answer: Borrow the overpriced bond promising to repay the lender $1000 in one year. Sell the bond immediately for $960. Put $952.38 in the bank...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why some things are traded in an exchange while others are traded OTC ### Answer: All securities must be registered with the SEC. Securities are defined as (1) The term “security” means any note, stoc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: H&R Block says form 1120 not finalized? IRS won't take it yet? ### Answer: The forms get updated every year, and the software providers need to get approved by the IRS every year. "Form is not yet fin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is dividend taxation priced in derivatives? ### Answer: No. Black Scholes includes a number of variables to calculate the value of the derivative but taxation isn't one of them. Whether you are tradin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to hedge against specific asset classes at low cost ### Answer: I wonder in this case if it might be easier to look for an emerging markets fund that excludes china, and just shift into that. In ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I use same stock broker to buy stocks from different stock markets? ### Answer: Most stock brokers are "full service" brokers. That is to say that you can so the same broker to buy different types...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: In double entry book-keeping, how should I record writing of a check? ### Answer: I have no idea what the traditional accounting way of dealing with this might be; but does your accounts package has t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can an Indian citizen get exposure to global markets? ### Answer: There are some ETF's on the Indian market that invest in broad indexes in other countries Here's an article discussing this Be aw...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Downside to temporarily lowering interest rates? ### Answer: it is possible that if you do not accept the offer, they will try offering you an even lower rate. if they offered you close to 0%, you co...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why can't 401(k) statements be delivered electronically? ### Answer: Glad my question got bumped. I took it as a sign to get a solid answer out of Schwab. First the rep gave me the same line that it w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Alternative to Jumbo Mortgage ### Answer: Yes, banks still offer combo loans, but it is going to depend on the appraised value of your home. Typically lenders will allow you to finance up to 80% loan ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do query services like Google Finance and Yahoo Finance go back to correct busted and adjusted trades? ### Answer: No. Busts are very infrequent, and if an equity were illiquid enough to be affected, ...
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: What is the best strategy for after hours trading? ### Answer: I would never trade after hours and I have 30 years of trading experience. It is a very volatile emotion driven market without a lot of ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Covered Call Writing - What affects the price of the options? ### Answer: Here are some things to consider if you want to employ a covered call strategy for consistent returns. The discussion also app...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to trade “exotic” currencies? ### Answer: Use a currency ETF. there are many. Specific to your question there is WisdomTree Dreyfus Brazilian Real Fund (BZF) I don't happen to find a currency ET...
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: How can I invest in an index fund but screen out (remove) certain categories of socially irresponsible investments? ### Answer: It sounds like you need an index fund that follows so called Sustainabil...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to fill the IRS Offer In Compromise with an underwater asset? ### Answer: If you have both consumer debt and IRS debt, you can file Chapter 7 bankruptcy to get rid of all of it. The trick is your ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does reading financial statements (quarterly or annual reports) really help investing? ### Answer: Reading financial statements is important, in the sense that it gives you a picture of whether revenu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Money market account for emergency savings ### Answer: Depends on how urgent your need for the emergency savings might be. If the money market account allows you to get your money in the same amount o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Transfer from credit to debit ### Answer: As other answers and comments suggest you are trying to do something... odd to say the least. No one wants to use a credit card to finance a checking/current ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If a stock doesn't pay dividends, then why is the stock worth anything? ### Answer: There are two main ways you can make money through shares: through dividends and through capital gains. If the compa...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Boyfriend is coowner of a house with his sister, he wants to sell but she doesn't ### Answer: Rent the property?? Is that a possible solution? Since selling the house is not an option and living in it...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to know more about my tax situation in the States ### Answer: The LLC (not you) is probably in debt to the California FTB. Any LLC registered in California must pay at least $800 a year, until it ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Mortgage vs. Cash for U.S. home buy now ### Answer: I'm in the "big mortgage" camp. Or, to put this another way - what would you be happier to have in 15 years? A house that is worth $300,000, or $50,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would you not want to rollover a previous employer's 401(k) when changing jobs? ### Answer: The biggest reason why one might want to leave 401k money invested in an ex-employer's plan is that the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What percentage of my company should I have if I only put money? ### Answer: There is no universal answer here; it depends on how much risk each person is taking, how you want to define the value of t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the meaning of “writing put options”? ### Answer: Suppose you're writing a put with a strike price of 80. Say the share's(underlying asset) price goes down to 70. So the holder of the put will...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Negative properties of continuously compounded returns ### Answer: You cannot use continuous compounding for returns less than or equal to 100% because a natural logarithm can only be taken for a posi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: At what point is it most advantageous to cease depositing into a 401k? ### Answer: You'd need to test the assumptions here - in effect you're saying that in 15 years your account will have a balance 1...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If the co-signer on my car loan dies, can the family take the car from me like they're threatening to? ### Answer: You're driving a car worth about $6000 which has a $12,000 loan against it. You're dr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Automatic transaction on credit card to stay active ### Answer: I agree with the rest of the answers -- you're probably better off just using it for some predictable flat-rate recurring monthly servic...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If throwing good money after bad is generally a bad idea, is throwing more money after good Ok? ### Answer: Is investing more money into a stock that you already have a stake, in which has gone up in ...
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: Alternative solution with possibly better results: Use a 3rd party to transfer money between both of you. 2 Services you may want to look at: Rent share m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is is possible to dispute IRS underpayment penalties? ### Answer: didn't pay the extra underpayment penalty on the grounds that it was an honest mistake. You seem to think a penalty applies only whe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have about 20 000 usd. How can invest them to do good in the world? ### Answer: FTSE ethical investment index: http://www.ftse.com/products/indices/FTSE4Good "The FTSE4Good Index is a series of ethi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to properly report income without 1099-MISC ### Answer: You are right that even if you do not receive a 1099-MISC, you still need to report all income to the IRS. Report the $40 on Schedule C or ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to calculate money needed for bills, by day ### Answer: I think you might benefit from adopting a zero-sum budget, in which you plan where each dollar will be spent ahead of time, rather than simp...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is a trade exchange and are they reputable or not? ### Answer: I think this is off topic, but here is a stab: So these are cashless. It could be a way to smooth out the harsh reality of capitali...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Claiming income/deductions on an illegal apartment ### Answer: The IRS demands and expects to be paid tax on all taxable activity, including illegal activity. If they expect drug dealers, hit men, an...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How profitable is selling your customer base? ### Answer: Yes, some companies sell personal data on their customers, but it almost always means a bad business due to reputation cost. The Financial Tim...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: In 2015, why has the price of natural gas been plummeting? ### Answer: Don't try to catch a falling knife. The fact that the prices were falling for this long means that the professional traders in th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I save money on a gym / fitness membership? New Year's Resolution is to get in shape - but on the cheap! ### Answer: Look for discounts from a health insurance provider, price club, profession...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Comparing/reviewing personal health insurance plans for the self-employed ### Answer: Health insurance is tough, as you know, because the offerings vary dramatically by State, and there is the added c...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How much time would I have to spend trading to turn a profit? ### Answer: Yeah, too subjective of a question I shorted BP last year during the deep water crisis, using a leveraged account 20 times lar...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Taxes on selling stock ### Answer: @BlackJack does a good answer of addressing the gains and when you are taxed on them and at what kind of rate. Money held in a brokerage account will usually be in a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Indie Software Developers - How do I handle taxes? ### Answer: This is not an end-all answer but it'll get you started I have been through accounting courses in college as well as worked as a contract...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the preferred way to finance home improvements when preparing to sell your house? ### Answer: sheegaon's reply looks fine to me, a HELOC can usually be set up for a minimal ($50?) fee, and is ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does buying and selling a stock OR holding onto it make a company look better? ### Answer: Share prices change (or not) when shares are bought and sold. Unless he's sitting on a large percentage of th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the risks of Dividend-yielding stocks? ### Answer: Yep, there just is no free lunch. So called high dividend stocks are usually from companies that have stable cash flows but relatively litt...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Safe method of paying for a Gym Membership? ### Answer: I once was reviewing one of those contracts with plenty of bad clauses in it, sitting across from the salesman whose commission depending on me ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the “Bernanke Twist” and “Operation Twist”? What exactly does it do? ### Answer: So "Operation Twist" is actually a pretty simple concept. Here's the break down: The Fed sells short-term treas...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: LLC: Where should the funds for initial startup costs come from? ### Answer: Like you said, it's important to keep your personal assets and company assets completely separate to maintain the liability...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Which U.S. online discount broker is the best value for money? ### Answer: For self-service type online customers, OptionsXpress gives me far better trading features(like technicals advanced condition...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Theoretically, if I bought more than 50% of a company's stocks, will I own the company? ### Answer: It is also worth noting that one of the character defining features of a publicly traded company is ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I need to report to FInCEN if I had greater than $10,000 worth of bitcoin in a foreign bitcoin exchange? ### Answer: Lets look at possible use cases: If you ever converted your cryptocurrency to ca...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Auto Loan and Balance Transfer ### Answer: This is what your car loan would look like if you paid it off in 14 months at the existing 2.94% rate: You'll pay a total of about $277 in interest. If you...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Personal Tax Return software for Linux? ### Answer: I used H&R Block this year 2013 to do my 2012 taxes and it was a snap! Ubuntu 12.10 with Firefox 20 and everything worked great! Although it is no...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If earning as freelancer, is it better to be a Sole Trader or Limited Company? ### Answer: Source Sole trader If you start working for yourself, you’re classed as a self-employed sole trader - even ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Impact on Credit Worthiness (Getting A Loan with a Co-signer vs without) ### Answer: It doesn't matter to the credit agencies if there is a co-signer or not. However, your family member will need to t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the best gold investment strategy for a Singapore resident? ### Answer: With gold at US$1300 or so, a gram is about $40. For your purposes, you have the choice between the GLD ETF, which repre...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What should I be doing to protect myself from identity theft? ### Answer: Here are a handful of measures I take myself: I check my credit reports once in a while and look for anything out of the ordin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why can't I short a stock that sells for less than $5? Is there another way to “go short” on them? ### Answer: I think George's answer explains fairly well why the brokerages don't allow this - it's n...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are pros and cons of volatility trading over directional stock trading ### Answer: Can't totally agree with that. Volatility trading is just one trading type of many. In my opinion it doesn't dep...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Layman's guide to getting started with Forex (foreign exchange trading)? ### Answer: I definitely can recommend you a site called babypips. Their beginner course section is great to get a good overvie...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I own x% of company A, and A buys company B, do I own x% of B? ### Answer: Ok, so imagine I own x% of Facebook and Facebook buys WhatsApp, does this mean I own x% of WhatsApp? Yea definitely , yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is the money you get from shorting a stock free to use for going long on other stocks? ### Answer: You sold $10,000 worth of stock so that money is essentially yours. However, you sold this stock wit...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Working out if I should be registered as self-employed in the UK ### Answer: As 'anonymous' already mentioned, I think the correct answer is to go see an accountant. That said, if you are already have...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: 23 and on my own, what should I be doing? ### Answer: You are asking all the right questions. I predict a bright future! In addition to the excellent advice from Phil, I would add that NOW is the time...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What part of buying a house would make my net worth go down? ### Answer: Cosigning a loan for someone else will make net worth decrease, whether backed by security or not. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where should I park my money if I'm pessimistic about the economy and I think there will be high inflation? ### Answer: For diversification against local currency's inflation, you have fundamentally 3...