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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: Essentially speaking, when you purchase goods worth $100 using your card, the store has to pay abou...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Loan for car buy “cash” (third party) or bank loan ### Answer: The car dealership doesn't care where you get the cash; they care about it becoming their money immediately and with no risk or complicat...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a way to set a stop for a stock before you own it? ### Answer: Yes it is possible, as long as the broker you use allows conditional orders. I use CMC Markets in Australia, and they allow free...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why does it seem unnecessary to fully save for irregular periodic expenses? ### Answer: I think we'd need to look at actual numbers to see where you're running into trouble. I'm also a little confused...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Who owned my shares before me? ### Answer: Not sure about US. In India all Demat shares have a unique identity. Incase of splits or merging of shares, new ID's are created maintaining the linking of o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I'm thinking of getting a new car … why shouldn't I LEASE one? ### Answer: I agree with Speedbird389 - I leased an economy car 10 years ago, paid the residual at the end of the lease because I knew th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Net income correlation with Stock Price ### Answer: Ideally, stock price reflects the value of the company, the dividends it is expected to pay, and what people expect the future value of the company ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the benefits of diversifying my investments? ### Answer: Diversification attempts to protect against losses. This is especially important for older investors that need to preserve wealth towa...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is buying a lottery ticket considered an investment? ### Answer: From a mathematical expected-value standpoint, there is no difference between gambling (e.g. buying a lottery ticket) and investing (e....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are non-residents or foreigners permitted to buy or own shares of UK companies? ### Answer: Yes, However if you live in the USA a lot of companies will refuse to sent you any report and will not let y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do some stocks have trading halts and what causes them? ### Answer: The company may have put a trading halt due to many reasons, most of the time it is because the company is about to release some...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is the need to issue bonds a telltale sign that the company would have a hard time paying coupons? ### Answer: One more scenario is when the company already has maturing debt. e.g Company took out a ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What would the broker do about this naked call option? ### Answer: Yes, it can buy back the call, but much before stock hits the $30 mark. Let us say you got 1$ from selling the call. So the total m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do some people say a house “not an investment”? ### Answer: There's an old saying: "Never invest in anything that eats or needs maintenance." This doesn't mean that a house or a racehorse or priv...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it possible to influence a company's actions by buying stock? ### Answer: Energy Transfer Partners, LP (stock symbol ETP) is the parent company of Dakota Access LLC, the developer of the Dakota Acc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have a horrible 401k plan, with high expenses. Should I stay with it or move my money elsewhere? ### Answer: As to the rollover question. Only rollover to a ROTH if you have other funds you can us...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: CD interest rate US vs abroad, is there a catch? ### Answer: If you invest in a foreign bank you are subject to their financial rules and regulations. If you put your money with their CD it will be co...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Calculating Pre-Money Valuation for Startup ### Answer: The value of a business without proven profits is really just a guess. But to determine what % ownership the VC takes some measure must be used...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a good tool to view a stock portfolio's value as a graph? ### Answer: Google Finance will do all the bullet points in your list and a few more. The only drawback is that you have to enter AL...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: $200k in an IRA, unallocated. What's the safest investment? ### Answer: Your funds are in a retirement account. Withdrawals from your IRA will be penalized if you withdraw before you turn 59.5 years ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can capital expenses for volunteer purposes be deducted from income? ### Answer: I would suggest to buy your own printer, and calculate the cost for a page including the wear to the printer. Then eith...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can a credit card company raise my rates for making a large payment? ### Answer: Short answer: No, not normally. Long Answer: It depends on the contract. If the 14% is some sort of special offer, wi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the fair value of a stock given the bid and ask prices? Is there such a relationship? ### Answer: Fair value can mean many different things depending on the context. And it has nothing to do w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is a decent rate of return for investing in the markets? ### Answer: Seems like you should be aiming to beat the professionals, otherwise why not let them handle it? So 4.01% is a logical start. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Snowball debt or pay off a large amount? ### Answer: Dave Ramsey would tell you to pay the smallest debt off first, regardless of interest rate, to build momentum for your debt snowball. Doing so als...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How credible is Stansberry's video “End of America”? ### Answer: Others have covered this pretty well, but as someone who once worked for the company that allows Stansberry to publish, let me confirm ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Against what income are broker fees deducted? ### Answer: You don't "deduct" transaction fees, but they are included in your cost basis and proceeds, which will affect the amount of gain/loss you repo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I know the minimum due credit card payment and date for an ANZ Visa card? ### Answer: You are in luck, I have an ANZ credit card as well. I have just checked my paper statement with online, an...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there such a thing as a deposit-only bank account? ### Answer: I would suggest opening a bank account that you use to accept deposits only, and then get a system set up where it automatically trans...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I cash a cashier's check at any bank? ### Answer: The classic Nigerian scam involves sending fraudulent cashier's checks to unwitting recipients who then deposit them in their account. The bank r...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: My boss wants to buy me a gift. How do I account for taxes for this? ### Answer: Gifts given and received between business partners or employers/employees are treated as income, if they are beyond min...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Shareholders meetings — the announcement of significant news ### Answer: SE:Personal Finance user Ray K says in a comment on this question that his or her broker said: a company cannot release any sig...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I find a list of self-select stocks & shares ISA providers? ### Answer: I'm currently using Halifax. Pros: Cons: I'm might start using TD Waterhouse in future, as they claim to have no admin c...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Choose online stock trading companies ### Answer: That all depends on you. The cheaper places are certainly going to cost less, but when it comes to comparing value that is a subjective decision that ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should a high-school student invest their (relative meager) savings? ### Answer: If you have no immediate need for the money you can apply the Rule of 72 to that money. Ask your parent's financial ad...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: JCI headache part 2: How to calculate cost basis / tax consequences of JCI -> ADNT spinoff? ### Answer: Your 1099-B report for ADNT on the fractional shares of cash should answer this question for you...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I determine if a debt consolidation offer is real or a scam? ### Answer: I believe no-one who's in a legal line of business would tell you to default voluntarily on your obligations. Once you ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How long should I keep my bills? ### Answer: Shred it all. You might want to keep a record going back at most a year, just in case. But just in case of what? What is a good idea is to have an elect...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is VAT applied when a tradesman charges for materials? ### Answer: The plumber will apply for and receive a refund of the amount of VAT he paid on the purchase amount. That's the cornerstone of how V...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I export or sync data from TD Ameritrade into Google Finance or another online Finance site? ### Answer: Mint is one alternative. If you want the raw data in CSV format, you can use "Export" fe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What happens when the bid and ask are the same? ### Answer: In the world of stock exchanges, the result depends on the market state of the traded stock. There are two possibilities, (a) a trade occurs...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Was this a good deal on a mortgage? ### Answer: I'm a visual person so the idea of a 30 year mortgage didn't make much sense to me until I could see it This isn't exact but it's pretty close. The gre...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are companies like EquityZen legitimate and useful? ### Answer: Full disclosure: I’m an intern for EquityZen, so I’m familiar with this space but can speak with the most accuracy about EquityZen. Obse...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do I get a much better price for options with a limit order than the ask price? ### Answer: I can often get the option at [a] price [between bid and ask] The keyword you use here is quite relevant...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I have AD&D through my employer, should I STILL purchase term life insurance? ### Answer: Most likely, yes. AD&D is insurance against a specific type of peril. Life insurance is, too, but there ar...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: For a major expensive home renovation (e.g. addition, finished basement, or new kitchen) should one pay cash or finance with a loan? Would such a loan be “good” debt? ### Answer: The number one reason...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Pros & cons in Hungary of investing retirement savings exclusively in silver? What better alternatives, given my concerns? ### Answer: Like Jeremy T said above, silver is a value store and is to be us...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I open a Demat account in India from abroad? ### Answer: Yes NRIs are allowed to open a DEMAT account in India from abroad. Investments can be made under the Portfolio Investment NRI Scheme (PINS...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the process of getting your first share? ### Answer: You could also look up stock trading games. Basically, you get x amount of "money" and "invest" it in stocks, trying to get the highest re...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I increase my hourly pay as a software developer? ### Answer: Start by going to Salary.com and figuring out what the range is for your location (could be quite wide). Then also look at job po...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What to bear in mind when considering a rental home as an investment? ### Answer: First off, I would label this as speculation, not investing. There are many variables that you don't seem to be consi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What factors make someone buy or sell a stock? ### Answer: why sell? Because the stock no longer fits your strategy. Or you've lost faith in the company. In our case, it's because we're taking our p...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How U.S. Depreciation works Explain in brief? ### Answer: If a business tool has a limited lifespan, it's value decreases (depreciates) from year to year. The business can capture that loss of value o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a law or regulation that governs the maximum allowable interest amount that can be charged on credit cards or in agreements where credit is extended? ### Answer: In Canada section 347 of the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is RSU tax basis based on remaining shares after shares are witheld? ### Answer: You only got 75 shares, so your basis is the fair market value of the stock as of the grant date times the number o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What evidence do I need to declare tutoring income on my income tax? ### Answer: I have been a private tutor on and off for about 30 years, in three countries, so I understand your concerns! I always...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How is an ETF's NAV determined? ### Answer: An ETF manager will only allow certain financial organisations to create and redeem ETF shares. These are called Authorised Participants (APs). The APs ha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Converting bank statements to another currency? ### Answer: If the account is not dollar-denominated, I would say it does not make sense at all to have dollar-denominated statements. Such a statement ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Friend was brainwashed by MLM-/ponzi investment scam. What can I do? ### Answer: Your friend is investing time & money in a business that does not list an address or phone number on its website, not e...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I sell a stock that I don't have, am I required to buy it before a certain amount of time? ### Answer: Answers here are correct but I'll offer an extremely (overly) simple explanation that should h...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Naked calls and buying the stock later ### Answer: Has anyone done this before? I'm sure someone has, but it doesn't completely remove any price risk. Suppose you buy it at 10 and it drops to 5? The...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a limit on the dollar amount of a personal check? ### Answer: Not really. A bank will honor a million dollar check if there are funds there to let it clear. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I plan to buy a car in cash, should I let the dealer know? ### Answer: Ideally you would negotiate a car price without ever mentioning: And other factors that affect the price. You and the dealer w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where to park money while saving for a car ### Answer: Nothing's generating a whole lot of interest right now. But more liquid and stable is better (cash or cash-like). But a related question: Why a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I finance rental property or own outright? ### Answer: To answer some parts of the question which are answerable as-is: Yes, mortgage interest is deductible. So is depreciation. See this questi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Covered call when stock position is at a loss ### Answer: It's unclear what you're asking. When I originally read your question, it seemed that you had closed out one options position and opened anoth...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Filing Taxes for Two Separate Jobs Being Worked at the Same Time? ### Answer: You file taxes as usual. W2 is a form given to you, you don't need to fill it. Similarly, 1099. Both report moneys paid to...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why are residential investment properties owned by non-professional investors and not large corporations? ### Answer: Because the returns are not good. One of the big drivers in Australia is "negative...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Switching Roth IRA ( from American Funds to Vanguard) ### Answer: You can have as many IRA accounts as you want (whether Roth or Traditional), so you can have a Roth IRA with American Funds and anothe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: More money towards down payment versus long-term investments ### Answer: Another vote for a bigger downpayment, for the reasons Benjamin mentions. Also, from experience, I would save up at least a sma...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is Bogleheadism (index fund investing) dead? ### Answer: If the ship is sinking, switching cabins with your neighbor isn't necessarily a good survival strategy. Index funds have sucked, because frankl...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a return-on-investment vs risk graph anywhere? ### Answer: There may well be several such graphs, I expect googling will turn them up; but the definition of risk is actually quite important h...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Cashing a cheque on behalf of someone else ### Answer: Anyone can walk into a bank, say "Hi, I'm a messenger, I have an endorsed check and a filled out deposit slip for Joe Blow who has an account her...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can rebuilding a city/large area be considered an economic boost? ### Answer: The people who benefit are large engineering and construction companies, manufacturers of construction equipment, bank...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: A deferred capital gains tax similar to the real estate 1031 Exchange but for securities reinvestment? ### Answer: Sale of a stock creates a capital gain. It can be offset with losses, up to $3000 mor...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do 1099 forms take so long for brokerages to prepare and send out? ### Answer: The simple answer is that brokerages have to close the books at the end of the year before they can send out the tax ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Insurance company sent me huge check instead of pharmacy. Now what? ### Answer: Checks are awesome things in that, even if it gets lost the money doesn't change hands until the check is cashed. I woul...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Alternatives to Intuit's PayTrust service for online bill viewing and bill payment? ### Answer: Paytrust seems to be the only game in town. We've changed banks several times over the last 15 years an...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do large market players using HFT make it unsafe for individual investors to be in the stock market? ### Answer: Obviously there are good answers about the alternatives to the stock market in the refe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: stock(paper) delivery to home ### Answer: Getting "physical stocks" will in most cases only be for the "fun of it". Most stocks nowadays are registered electronically and thus the physical stock will ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Changing Bank Account Number regularly to reduce fraud ### Answer: We change it every so often to reduce fraud. This is idiocy. They receive regular payments. They are asking the people who pay them t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the point of a chargeback when they just ask the merchant whether they owe money to the buyer? ### Answer: So, what's the point of a charge-back, if they simply take the word of the merchant? t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are forward curves useful tools for trading decisions and which informations can be gathered from them? ### Answer: The forward curve for gold says little, in my opinion, about the expected price of g...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the economic benefits of owning a home in the United States? ### Answer: It is almost a sure thing that the housing market will crash again hugely.For this reason I prefer to own several hous...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I get a discount on merchandise by paying with cash instead of credit? ### Answer: I bought a car a few years ago. The salesman had the order, I knew the car I wanted and we had a price agreed on....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I sell a stock immediately? ### Answer: In order to see whether you can buy or sell some given quantity of a stock at the current bid price, you need a counterparty (a buyer) who is willing to buy...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should we prepay our private student loans, given our particular profile? ### Answer: Just for another opinion, radio host Clark Howard would suggest killing the private student loans as quickly as po...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What kind of trade is this? ### Answer: A limit order is simply an order to buy at a maximum price or sell at a minimum price. For example, if the price is $100 and you want to sell if the price rises...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would a company issue a scrip dividend and how will this issue affect me? ### Answer: Yes. Instead of paying a cash dividend to shareholders, the company grants existing shareholders new shares at...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What strike to choose if I want to sell weekly calls against a long LEAP put ### Answer: What I do not get is why does the author choose to buy an ITM put. If the goal was to not lose more than 5.6%...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are traders 100% responsible for a stock's price changes? ### Answer: When people talk about "the price" of a stock, they usually mean one of the following: Last price: The price at which a trade mos...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is title insurance, and should I get title insurance for my home? ### Answer: When we got our mortgage in the state of Washington, in the United States, we had to get title insurance before our l...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Making an offer on a property - go in at market price? ### Answer: Firstly, the agent doesn't work for you. He works for himself. It's in his interest not to get you a house at the lowest cost but to...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How dividend payout happens ### Answer: You will need to buy a stock before the ex-dividend date to receive the dividends. You can sell a stock on the ex-dividend date or after and you will receive th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Am I responsible for an annual fee on a credit card I never picked up? ### Answer: Have you signed anything? If not - then tell them you don't know who they are and have not agreed to pay. If you did...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is income from crypto-currencies taxed? ### Answer: In Canada, it is similarly taxed as CQM states. Mining is considered business income and you need to file a T1 form. Capital appreciation is no diff...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I find an ideal single fund to invest all my money in? ### Answer: While it is certainly easy to manage single fund, I am not sure it's the right strategy. It's been proven again and again that...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do precious metals and mining sector index funds grow as much as the general stock market? ### Answer: Metals and Mining is an interesting special case for stocks. It's relationship to U.S. equity (S...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are my options other than stock piling money in a savings account? ### Answer: I think you need to understand the options better before you go around calling anything worthless... $11k in a 1% s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Calculating the value of an investors inventory ### Answer: Is it just -344.58= -$155.72 for CCC and -110.41= -$4.51 for DDD? Yes it needs to be recorded as negative because at some point in time, t...

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