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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: Yes those are really yields. A large portion of the world has negative yielding bonds in fact. This process has been in motion for the past 10 years for very ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I find stocks with very active options chains? ### Answer: Agree with some of the posts above - Barchart is a good source for finding unusual options activity and also open interest -https://w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Paid cash for a car, but dealer wants to change price ### Answer: On the surface this sounds ridiculous, which makes me suspect that there might be something that the dealer intends to cling on to; ot...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What intrinsic, non-monetary value does gold have as a commodity? ### Answer: This site shows a list of (mostly) industrial uses of gold: http://geology.com/minerals/gold/uses-of-gold.shtml If you ig...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it worth investing in Index Fund, Bond Index Fund and Gold at the same time? ### Answer: Taking into account that you are in Cyprus, a Euro country, you should not invest in USD as the USA and Chin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When writing a covered call, what's the difference between a “net debit” and a “net credit”? ### Answer: When you enter into a multi-legged trade where one is a buy and one is a sell, the limit is exp...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the best software tools for personal finance? ### Answer: For Mac it's definitely iFinance. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Joining a company being acquired ### Answer: Is there anything I need to ask or consider during my negotiation process based on the fact that they probably will soon be own by another company? Ver...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why are stocks having less institutional investors a “good thing”? ### Answer: Generally speaking, having more institutional investors is a good sign. Of course there are many types of institutions. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why don't banks give access to all your transaction activity? ### Answer: Well, I know why the Rabobank in the Netherlands does it. I can go back around one year and a half with my internet banking. B...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can I lookup accurate current exchange rates for consumers? ### Answer: Current and past FX rates are available on Visa's website. Note that it may vary by country, so use your local Visa websit...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Mortgage sold to yet another servicer. What are my options? ### Answer: You would need to check the original mortgage papers you signed with the originators. Chances are you agreed to allow the mortg...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Getting money from online websites I own to my UK bank account ### Answer: Now i want to get this money in my new UK bank account, does this mean that gov will take taxes from this money as well. Yes ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Rollover 401k into Roth IRA? ### Answer: For #1, I see no advantage in putting money from your non-retirement savings into a Roth just for the purpose of using it as a down payment on your house. Why...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I replace bonds in a passive investment strategy ### Answer: No. That's the point of a passive strategy: you maintain a more or less constant mix of assets and don't try to figure out what's go...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Consequences of buying/selling a large number of shares for a low volume stock? ### Answer: First, If you buy $10K of a penny stock and try to sell it that afternoon, you probably won't get your money...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What low-fee & liquid exchange-traded index funds / ETFs should I consider holding in a retirement portfolio? ### Answer: @bstpierre gave you an example of a portfolio similar to IFA's 70 portfolio. P...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to avoid getting back into debt? ### Answer: Depending on how marketable your degree is, in the long run you may be better aquiring some student debt rather than slowing down your studies. For exa...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Mortgage refinancing fees ### Answer: tl;dr: I agree with Pete B.'s assertion that you should continue shopping. That's not the whole story though; there are other factors that can raise your rate, an...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Scam or Real: A woman from Facebook apparently needs my bank account to send money ### Answer: This is either laundering money or laundering non-money. All the other answers point out how a cheque or...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the tax implications of exercising options early? ### Answer: Despite a fair number of views, no one besides @mbhunter answered, so I'll gather the findings of my own research here. Hopefully...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Incorporating real-world parameters into simulated(paper) trading ### Answer: You said the decision will be made by EOD. If you've made the decision prior to the market close, I'd execute on the closi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Investment for beginners in the United Kingdom ### Answer: I'd go to specialist community web sites such as The Motley Fool and read their investing articles, and their forums, and everything. You can...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Student loan payments and opportunity costs ### Answer: As Mr. Money Money Mustache once said: IF YOU HAVE CREDIT CARD DEBT, YOU SHOULD FEEL LIKE YOUR HAIR IS ON FIRE Student loan debt is different ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are credit cards not viewed as credit until you miss one payment? ### Answer: This does not directly address the question, but how the Bank views your behaviour is not the same as a credit reporting b...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Working abroad in Australia, what is involved financially and administratively? ### Answer: If you think there is no complication in your application and you can easily satisfy all criteria you can do...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Multi-Account Budgeting Tools/Accounts/Services ### Answer: Have you looked at mint? Their budgeting feature can track spending against your budget categories across your checking and credit card acco...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Advantages of paying more of your mortgage while you know you won't continue to live there your whole life ### Answer: The mortgage is a debt and you pay interest on it, typically more than you can ea...
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: I think the OP is getting lost in designations. Sounds to me that what he wants is a 'financial advis...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Under what circumstance will the IRS charge you a late-payment penalty for taxes? ### Answer: I just got hit with the late payment penalty due to a bug in the H&R Block tax program. The underpayment ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: 401(k) Investment stategies ### Answer: Ending up with nothing is an unlikely situation unless you invest 100% in a company stock and the company goes under. In order to give you a good answer we need...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What can I replace Microsoft Money with, now that MS has abandoned it? ### Answer: Uh, Quicken is virtually identical to MS Money. If you liked money and don't want to change, use that. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Investing small amounts at regular intervals while minimizing fees? ### Answer: I am not sure whether this hold in all countries, but at least in the Netherlands my bank allows for investment in funds...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is short selling a good hedging strategy during overzealous market conditions? ### Answer: The problem with short would be that even if the stock eventually falls, it might raise a lot in the meantime...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the appropriate way to signify an S-Corp? ### Answer: S-Corp is a corporation. I.e.: you add a "Inc." or "Corp." to the name or something of that kind. "S" denotes a specific tax treatment whic...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to rescue my money from negative interest? ### Answer: The problem is that every option comes with risk - as you note, if you put money in stocks, you could lose (and many stocks are overpriced). ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What drives the stock of bankrupt companies? ### Answer: What drives the stock of bankrupt companies? The company's potential residual assets. When a company goes bankrupt it is required to sell its a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I've tracked my spending and have created a budget, now what do I do with it? ### Answer: I'm reminded of a conversation I had regarding food. I used the word 'diet' and got pushback, as I meant it in...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it a good practice to keep salary account and savings account separate? ### Answer: There are a lot of good answers, but I will share my experience. First, a savings account needs to be for saving...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there any countries where citizens are free to use any currency? ### Answer: Sounds like you have a goldbug whispering in your ear. The Coinage Act doesn't restrict you from using foreign currency...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the top “market conditions” to follow? ### Answer: Check out http://garynorth.com if you have $15/month. Or at least subscribe to his free newsletters (Tip of the Week, Reality Check). Well...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to read a mutual fund spec sheet? ### Answer: It says expense ratio of 0.14%. What does it mean? Essentially it means that they will take 0.14% of your money, regardless of the performance. This m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I deduct or capitalize the cost to replace a water heater in my rental property? (details Below) ### Answer: Pub 527 my friend. It gets depreciated. Table 1-1 on page 5. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Difference between Vanguard sp500 UCITS and Vanguard sp500 ### Answer: The main difference is that VOO trades on US stock exchanges while VUSA/VUSD trade on the London Stock Exchange. (VUSA is listed...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What things are important to consider when investing in one's company stock? ### Answer: I would pass on their deal if they will only match if you invest in their stock. Think about when/if the compa...
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: They are cheap because they are made from cheap material. All the homes in my addition are Ruasch Coleman and a ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How will the net assets of a bankrupt company be divided among the common share holders ### Answer: All investors of equal standing get the same proportion of the net assets on bankruptcy but not all ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do technical indicators actually work while analyzing stocks? [duplicate] ### Answer: Sure they work - right until they don't. Explanation: A stock picking strategy based on technical indicators is at...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Less than a year at my first job out of college, what do I save for first? ### Answer: I recommend saving for retirement first to leverage compound interest over a long time horizon. The historical re...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What emergencies could justify a highly liquid emergency fund? ### Answer: I tend to agree that the need for liquidity is overplayed in this day and age. We live in a world of electronic transfers th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Apartment lease renewal - is this rate increase normal? ### Answer: Should you negotiate? Yes, what harm can it possibly do? The landlord is unlikely to come back and say "Because you tried to negotia...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do financial institutions charge so much to convert currency? ### Answer: Echoing that bank fees are mostly "because they can", although partly this is because simply holding onto the money doesn'...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there brokers or companies who trade Forex and make money for us on our investment? And do you think fxtradeinvestment is legit? ### Answer: There are legitimate multi currency mutual funds/efts. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Main source of the shares/stocks data on the web ### Answer: To expand on keshlam's answer: A direct feed does not involve a website of any kind. Each exchange publishes its order/trade feed(s) onto ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is ScholarShare a legitimate entity for a 529 plan in California? ### Answer: To mhoran's point, yes, the company, TIAA-CREF is valid. I'd focus on the expenses - Their S&P fund (Index US Large Cap ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do public-company buyouts work? ### Answer: Thanks for your question Dai. The circumstances under which these buyouts can occur is based on the US takeover code and related legislation, as well as...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When does it make sense for the money paid for equity to go to the corporation? ### Answer: The check is written to BigCo. Jack is being diluted, corporation issues more shares. There's no gain, no ch...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to record “short premium” in double-entry accounting? ### Answer: Thanks for your reply. I’m not familiar with the term “Held-For-Trading Security”. My securities are generally held as collateral ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I make money in the stock market from other people losing money? ### Answer: The stock market is no different in this respect to anything that's bought or sold. The price of a stock like many other...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How long to wait after getting a mortgage to increase my credit limit? ### Answer: Specific to the inquiries, from my Impact of Credit Inquiries article - 8 is at the high end pulling your score do...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Pension or Property: Should I invest in more properties, or in a pension? ### Answer: I think the real answer to your question here is diversification. You have some fear of having your money in the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are some good books for learning stocks, bonds, derivatives e.t.c for beginner with a math background? ### Answer: My personal favorites are Options, Futures, and Other Derivatives by John C Hull...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What should I be aware of as a young investor? ### Answer: Don't start by investing in a few individual companies. This is risky. Want an example? I'm thinking of a big company, say $120 billion or so...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is Fibonacci values? ### Answer: This is how I've understood this concept. Fibonacci nos/levels/ratios/%s is based on concept of sequential increment. You may find lot of info about Fibonacci on ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What should my finances look like at 18? ### Answer: Assume you will need to retire with a few million in the bank to maintain an average lifestyle. I had an analysis done for me (at 33) that shows m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: fastest way to move USD to EUR ### Answer: You're asking three different things: What is the fastest way, what is the cheapest way and what is the easiest way. You will not find one method that is al...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: With respect to insider trading, what is considered “material information”? ### Answer: Material Information means that any information that can reasonable affect the share price of the company [upwar...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I earn $75K, have $30K in savings, no debt, rent from my parents who are losing their home. Should I buy a home now or save? ### Answer: If you think that your parents' home is in danger, you might wa...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: ETFs mirroring consistently outperforming companies? ### Answer: What you may be looking for are multi-manager ETFs; these invest in a basket of diversified funds to get the best out of all of the fun...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: One company asks for picture of my debit card ### Answer: Sounds questionable to me. If there is no way around this I would suggest opening a new account with only the minimum balance necessary and se...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can signing up at optoutprescreen.com improve my credit score? ### Answer: Sounds like a case of false causality. If somebody is taking the time to sign up at opt out sites, then that same person is ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the difference between a high yield dividend stock vs a growth stock? ### Answer: I think Fidelity has a very nice introduction to Growth vs Value investing that may give you the background you...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is a maximum amount that I can wire transfer out of US? ### Answer: Chase has a limit of $500,000 per day. A banker should be able to help you determine any immediate tax liabilities that will a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: The Benefits/Disadvantages of using a credit card ### Answer: In the UK, using a credit card adds a layer of protection for consumers. If something goes wrong or you bought something that was actually...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Price graphs: why not percent change? ### Answer: I am in complete agreement with you. The place i have found with the sort of charts you are looking for is stockcharts.com. To compare the percenta...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How is it possible that a stock has a P/E of 0.01? ### Answer: See Berkshire Hathaway Inc. (BRK-A) (The Class A shares) and it will all be clear to you. IMHO, the quote for the B shares is mistaken, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to plan in a budget for those less frequent but mid-range expensive buys? ### Answer: Personally I solve this by saving enough liquid capital (aka checking and savings) to cover pretty much everyt...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does owning a home and paying on a mortgage fit into family savings and investment? ### Answer: 1) How does owning a home fit into my financial portfolio? Most seem to agree that at best it is a h...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: In USA, what circumstances (if any) make it illegal for a homeless person to “rent” an address? ### Answer: You owe taxes to the state where you earned the income, and also to the state where you phys...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: My friend wants to put my name down for a house he's buying. What risks would I be taking? ### Answer: Short answer: don't do it. Unless you know something that the bank doesn't, it's safe to assume t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When should I walk away from my mortgage? ### Answer: Dan - there are other choices. What rate do you have on this mortgage? And what is the value of the home? With a bit of patience and effort, you m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tracking Gold and Silver (or any other commodity investment) in Quicken 2010? ### Answer: I would track it using a regular asset account. The same way I would track the value of a house, a car, or an...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Understanding company income statements: What is a good profit margin that would make it worthwhile to invest? ### Answer: The short answer is that it depends on the industry. In other words, margin a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do governments support their own bonds when their value goes down? ### Answer: Without getting to hung-up on terminology here, the management of a company will often attempt to keep stock prices high ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there any real purpose in purchasing bonds? ### Answer: Here are my reasons as to why bonds are considered to be a reasonable investment. While it is true that, on average over a sufficiently long ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to account for money earned and spent prior to establishing business bank accounts? ### Answer: Funds earned and spent before opening a dedicated business account should be classified according to...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a term for the risk of investing in an asset with a positive but inferior return? ### Answer: I'd question whether a guaranteed savings instrument underperforming the stock market really is a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Credit cards: How is a cash advance different from a purchase? Why are the fees so high? ### Answer: Think about the credit card business model... they have two revenue generators: interest and fees f...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How is not paying off mortgage better in normal circumstances? ### Answer: The reason is that although the American economy is functioning normally, mortgage rates are stupid-low, and are below a prud...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tax considerations for outsourcing freelance work to foreign country ### Answer: I took littleadv's advice and talked to an accountant today. Regardless of method of payment, my US LLC does not have t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Clothing Store Credit Card Account closed but not deleted ### Answer: There are three parties involved here: there's the store that issued you the card, then they have some bank that's actually handli...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: GAAP or non-GAAP numbers in nasdaq.com? ### Answer: You're interpreting things correctly, at least at a high level. Those numbers come from the 10Q filing and investor summary from Microsoft, but are ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the differences between an investment mortgage and a personal mortgage? ### Answer: Banks consider investment mortgages (and any mortgage where you don't live in the property), as a riskier i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Deferring claim of significant purchase of RRSPs ### Answer: You can't defer reporting of the RRSP purchases. The financial institution will report those purchases to CRA, and the CRA expects to see ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is it rational to pay out a dividend? ### Answer: The real value of a share of stock is the current cash value of all dividends the owner will receive, plus the current cash value of the final liq...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I buy a share from myself at a higher price, will that drive the price up so I can sell all my shares the higher price? ### Answer: No, this isn't possible, especially not when you're trading a hig...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does a stock's quoted value represent? ### Answer: Stock price is set to the price with the highest transaction volume at any given time. The stock price you cited was only valid in the last tra...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is building a corporation a good option? ### Answer: Compared with a Sole Proprietorship, the main disadvantages of an S-Corporation or an LLC are that it adds a lot of management overhead (time, and ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If you buy something and sell it later on the same day, how do you calculate 'investment'? ### Answer: Your initial investment in this case is $9 on the first morning. Every other morning you are usin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Apartment lease renewal - is this rate increase normal? ### Answer: Yes, automatic rate increases are typical in my experience (and I think it's very greedy, when it's based on nothing except that you...