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Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I buy only 4 shares of a company? ### Answer: The least expensive way to buy such small amounts is through ING's Sharebuilder service. You can perform a real-time trade for $9, or you can add a on...
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: Congratulations on earning a great income. However, you have a lot of debt and very high living expenses. This will eat all of your income if you ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Back of Check Images are Blank and not Endorsed ### Answer: In general, a lack of endorsement (meaning nothing written by the receiver on the back of the check) is equivalent to it being endorsed "as ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How high should I set my KickStarter funding goal in order to have $35,000 left over? ### Answer: There's two big problems here and they are both related to the same thing: The last line says it all: ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can a company stop paying dividends? ### Answer: Yes. Companies increase, decrease, start paying and stop paying dividends when they think it appropriate. If a company has been going through some pro...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Was this bill forgotten by a medical provider, and do notices need to be sent before collections? ### Answer: check the DATE OF SERVICE on all your invoices carefully. It's possible you actually DID ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Class of shares specifically for retirement accounts with contribution limits ### Answer: The fair price of a stock is the present value of its future payments. That means the stock you have describe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: W-8BEN? What's the tax from selling my software to a U.S. company, from abroad? ### Answer: I realize this is a stale topic, but to anybody who may swing by looking for an answer to this question (on ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is it not a requirement for companies to pay dividends? ### Answer: This answer will expand a bit on the theory. :) A company, as an entity, represents a pile of value. Some of that is business va...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where does the stock go in a collapse? ### Answer: If we can agree that 2010 was closer to the low of 2009 than 2007 then the rich did all the buying while the super-rich did all the selling. http://w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can one get their FICO/credit scores for free? (really free) ### Answer: I've seen credit cards that provide you your credit score for free, updated once a month and even charted over the last yea...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I invest and buy/sell stocks? What does “use a broker” mean? ### Answer: I'm posting this because I think I can do a better job of explaining and detailing everything from start to stop. :) A ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What laws/regulations are there regardings gifts in the form of large sums of money? ### Answer: This depends on the country(ies) involved. US citizen/resident giving gifts is required to pay a gift t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Shorting versus selling to hedge risk ### Answer: If you already own shares in a company and sell some, you won't be short selling these shares if sold from the same brokerage account, because your ex...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Paying off a loan with a loan to get a better interest rate ### Answer: Dude- my background is in banking specifically dealing with these scenarios. Take my advice-look for a balance transfer offer-cr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do some companies offer 401k retirement plans? ### Answer: The company itself doesn't benefit. In most cases, it's an expense as the match that many offer is going to cost the company some percent...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the catch in investing in real estate for rent? ### Answer: It is easier to get a loan on a rental than a flip, which is a huge advantage to rental properties. Leverage allows you to increase y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does a defined contribution plan work ### Answer: The end result is basically the same, it's just a choice of whether you want to base the final amount you receive on your salary, or on the stock ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does APR mean I'm paying? ### Answer: Credit Cards typically charge interest on money you borrow from them. They work in one of two ways. Most cards will not charge you any interest if you pay t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Please explain: What exactly is a CDS or “Credit Default Swap”? ### Answer: A Credit Default Swap (CDS) is a contract between two parties. A useful analogy is insurance (but by no means exact). I pay...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying a home without a Real Estate Agent - Who should I get to do the paperwork? ### Answer: Save yourself a lot of trouble you both agree on a Real Estate Attorney to prepare all the paperwork (ie. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I live outside of the rat race of American life with 300k? ### Answer: the short answer: yes. The long answer depends on what you mean by modest living. As others have noted, living off a $300...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: NYSE & NASDAQ: Mkt Cap: $1 billion+ ### Answer: Try Google Finance Screener ; you will be able to filter for NASDAQ and NYSE exchanges. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it true that 90% of investors lose their money? ### Answer: Very likely this refers to trading/speculating on leverage, not investing. Of course, as soon as you put leverage into the equation this ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the marks of poor investment advice? ### Answer: Anybody that offers a bigger return than a deposit claiming 100% safe is a fraud. There is always a risk: Yes, you can gain 30% in a year, bu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I stop wasting food? ### Answer: Let me start out by saying I know your pain. One of the most important things to do is have the basics in stock in your larder. They are the sorts of things th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What should I consider when I try to invest my money today for a larger immediate income stream that will secure my retirement? ### Answer: I don't understand the OP's desire " I'd love to have a few ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Economics Books ### Answer: I followed Economics by Michael Parkin for my college level course. It does not involve very complicated mathematics (beyond simple arithmetic and interpreting plots/charts...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Question about stock taxes buy/sell short term ### Answer: As Victor says, you pay tax on net profit. If this is a significant source of income for you, you should file quarterly estimated tax payment...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it sensible to keep savings in a foreign currency? ### Answer: would you say it's advisable to keep some of cash savings in a foreign currency? This is primarily opinion based. Given that we live ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do you determine “excess cash” for Enterprise Value calculations from a balance sheet? ### Answer: 20% is almost certainly too high. I agree with 2%, as a very rough rule. It will vary significant...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Interest on Amount Exceeding CC Balance? ### Answer: The best answer to this is: Read the fine print on your credit card agreement. What is common, at least in the US, is that you can make any charges...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to calculate a mutual fund's yield ### Answer: If the expense ratio of the fund is 0.00% then yes. However, if the fund has expenses of 1% then if the NAV of the fund is $10/share the expenses wo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are good games to play to teach young children about saving money? ### Answer: We play Cash Flow and Cashflow for Kids by Robert Kiyosaki. Our kids love it. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Higher mortgage to increase savings to invest? ### Answer: Clearly this is doable and many people are doing exactly this. At that kind of rate many will tell you to borrow as much as you can and inve...
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: There has been almost no inflation during 2014-2015. do you mean rental price inflation or overall inflation? Housing price and by e...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Calculating the cost of waiting longer for money ### Answer: The cost of an extra 30 days is $1459.80 ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What tax rules apply to selling of digital goods, specifically in-game currencies? ### Answer: Believe it or not, unless you directly contact an accountant with experience in this field or a lawyer, y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I stop wasting food? ### Answer: Make a menu of 15 (or more) things you like to eat. Write a grocery list for what it takes. Divide that list into perishable and non-perishable. Put those it...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Zero volatility stocks in intraday trading in India ### Answer: you need to use easy programming language to imply onto a scan where you enter Scan all stocks display if volume < (less than) 100 ###...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I even need credit cards? ### Answer: The key part of your question is the "so far". So you didn't need a credit card today, or yesterday, or last month - great! But what about tomorrow? The tim...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the meaning of public stock price data from before the official first day of trading? [duplicate] ### Answer: For the case of spinoffs it reflects the market as activities as the specific step...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: The penalty on early redemption of a personal loan ### Answer: In month 9 you still owe $7,954.25. You need to pay that, plus the $250. At that line, you haven't made the payment, the rest of the line...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When I ask a broker to buy stock, what does the broker do? ### Answer: You or the broker place an order to buy the share with the stock exchange. There has to be a matching sell order by someone. Onc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Bid/ask spreads for index funds ### Answer: First, what structure does your index fund have? If it is an open-end mutual fund, there are no bid/ask spread as the structure of this security is that it...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Totally new to finance, economy, where should I start? ### Answer: If you're looking to invest using stocks and shares, I recommend you set up an account at something like Google Finance - it is free ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What would a stock be worth if dividends did not exist? [duplicate] ### Answer: A share of stock is a small fraction of the ownership of the company. If you expect the company to eventually be of inte...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would someone want to sell call options? ### Answer: Covered calls, that is where the writer owns the underlying security, aren't the only type of calls one can write. Writing "uncovered calls," w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What one bit of financial advice do you wish you could've given yourself five years ago? ### Answer: Advice to myself: the benefits of being self-employed totally outweigh the risks! ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How best to grow my small amount of money starting at a young age? [duplicate] ### Answer: Congrats! That's a solid accomplishment for someone who is not even in college yet. I graduated college 3 yea...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are REIT worth it and is it a good option to generate passive income for a while? ### Answer: Other individuals answered how owning an REIT compares to an individual real estate investment, but did no...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Data source for historical intra-day bid/ask price data for stocks? ### Answer: Interactive Brokers provides historical intraday data including Bid, Ask, Last Trade and Volume for the majority of stoc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to deposit a cheque issued to an associate in my business into my business account? ### Answer: Just have the associate sign the back and then deposit it. It's called a third party cheque and is ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is this investment opportunity problematic? ### Answer: it seems you have 3 concerns: ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Understanding the phrase “afford to lose” better ### Answer: The advice to "Only invest what you can afford to lose" is good advice. Most people should have several pots of money: Checking to pay your...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What kind of company is USAA? ### Answer: The United Services Automobile Association has a funny legal structure: it's not a corporation and has no shareholders. Policyholders and account holders are ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: VAT and German freelance working on international project ### Answer: 11 / 111 / 11111 looks like the (old) tax number: it is used by the tax office to know who you are, it isn't good at all for the s...
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 main reason, as far as I can see, is that the dividends are payments with which the shareholders may do what they want. Capital that the compa...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I find a lost 401K from a past employer? ### Answer: The Employee Benefits Security Administration within the US Department of Labor is tasked with keeping track of pension and 401K programs. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it legal for a landlord to report a large payment to a tenant using Form 1099? ### Answer: It is legal. They're probably going to give you a 1099-MISC, which is required of businesses for many cas...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's a reliable way for a non-permanent resident alien in the USA to get an auto loan? ### Answer: I took @littleadv 's recommendation that online apps only ask for citizenship due to post-9/11 legi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is gold subject to inflation? [duplicate] ### Answer: Gold is a risky and volatile investment. If you want an investment that's inflation-proof, you should buy index-linked government bonds in the cur...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Easiest way to diversify savings ### Answer: You can apply for Foreign currency accounts. But they aren't saving accounts by any means, but more like current accounts. Taking money out will involve ch...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can somebody give a brief comparison of TSP and IRAs? ### Answer: Ideally, one would contribute the maximum amount you're allowed to both the TSP and an IRA. For the 2015 tax year, that would be $18,0...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are PINs always needed for paying with card? ### Answer: Chip and Pin cards are popular in Europe, however in the US we don't have them. Visa/MC and Amex can issue chip and pin cards but no merchants...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is the dominant investing advice for individuals to use mutual funds, exchanged traded funds (ETFs), etc ### Answer: I agree with the other answers, but I want to give a slightly different perspec...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are my options to deal with Student Loan debt collectors? ### Answer: @littleadv has said most of what I'd say if they had not gotten here first. I'd add this much, it's important to understand w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Stocks taxed just for selling, or just when withdrawing? ### Answer: Outside of a tax sheltered IRA or 401(k) type of account your transactions may trigger tax liability. However, transactions are no...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the pros and cons of buying a house just to rent it out? ### Answer: From personal experience: Loan Impact It does impact your ability to take out other loans (to an extent) Your first invest...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: what is a mortgage gift exchange? ### Answer: The issue is that the lender used two peoples income, debts, and credit history to loan both of you money to purchase a house. The only way to get a perso...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to convince someone they're too risk averse or conservative with investments? ### Answer: Let the man be. If you've tried again and again to convince him, and haven't, maybe he doesn't want to be ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I calculate what percentage of my portfolio is large-, mid- or small- cap? ### Answer: The portfolio manager at Value Research Online does this very nicely. It tracks the underlying holdings of...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: In general, is it financially better to buy or to rent a house? ### Answer: Property in general tends to go up in value. That's one advantage you won't get if you rent. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: High Leverage Inflation Hedges for Personal Investors ### Answer: I assume you're looking for advice, not an actual guaranteed-to-appreciate answer, yes? If you believe Treasury bonds will increase as...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is Amazon's offer of a $50 gift card a scam? ### Answer: Amazon has 2 different cards you can apply for, a store card and a credit card. The credit card is through Chase. The deal is not a scam, I can...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do people use mortgages, when they could just pay for the house in full? ### Answer: Good question. If a person has a choice, it is probably better to pay cash. But not always. If your large pile ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to calculate how much a large stock position is really worth? ### Answer: I don't have a formula for anything like this, but it is important to note that the "current value" of any asset is really...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What do these numbers mean? (futures) ### Answer: No, it means that is only the notional value of that underlying asset of that contract, generally. The contract specification itself is listed on the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Market percentage growth per timeframe ### Answer: What you are looking for is an indicator called the "Rate of Change (Price)". It provides a rolling % change in the price over the period you have ch...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Best Time to buy a stock in a day ### Answer: You can't predict when to buy a stock during the day to guarantee not having a loss for the day. In the short run stock prices are really pretty random. T...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: A University student wondering if investing in stocks is a good idea? ### Answer: For most people, investing in the stock market directly is one of the last things to do. That's not to say you should...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If an option's price is 100% made up of its intrinsic value, is there a way to guarantee a non-loss while having a chance at a profit? ### Answer: Yes, one such strategy is dividend arbitrage using st...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do US banks exchange info with countries abroad? ### Answer: Banks do not report transactions within accounts except as required by law, usually as part of anti-money-laundering efforts. Generally tho...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Relative Strength Index: Yahoo vs Google Finance ### Answer: Look at the 'as of'. Google's as of is 11:27 whil Yahoo's is 11:19. Given the shape of the Google curve, it looks to me that Yahoo's may ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can a shareholder be liable in case of bankruptcy of one of the companies he invested in? ### Answer: No, assuming by "public company" you mean a corporation. The shareholder's individual liability i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have $10,000 sitting in an account making around $1 per month interest, what are some better options? ### Answer: Put the whole lot into a couple of low-cost broad index funds with dividends reinves...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Ways to invest my saved money in Germany in a halal way? ### Answer: What is actually a halal investment? Your definition of halal investment is loose and subject to interpretation. On one hand, nothi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it true that 90% of investors lose their money? ### Answer: No, 90% of investors do not lose money. 90% or even larger percentage of "traders" lose money. Staying invested in stock market over the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How much of a down payment for a car should I save before purchasing it? ### Answer: If you're getting 0% on the financing, it's not costing you anything to borrow that money. So its basically free mo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the relationship between the earnings of a company and its stock price? ### Answer: You would think that share prices is just a reflection of how well the company is doing but that is not alwa...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Personal taxes for Shopify / Paypal shop? ### Answer: (do I need to get a W9 from our suppliers)? Will PayPal or Shopify send me a 1099k or something? Do not assume that you'll get paperwork from anyo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Economics Books ### Answer: The free Yale Course taught by Bob Shiller called Financial Markets is really good. Find it on youtube, iTunes U, academic earth, or yale's site. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Ways to get individual securities from ETF's ### Answer: Save the effort. For personal finance purpose, just use the simple tools. For example, if you like P&G very much but you want to diversify wi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When is it better to rent and when is better buy in a certain property market? ### Answer: No magic answers here. Housing is a market, and the conditions in each local market vary. I think impact on c...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Mutual fund value went down, shares went up, no action taken by me ### Answer: It is very likely that the fund paid out a dividend in the form of reinvested shares. This happens with many funds, espe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I report book royalties for tax purposes? ### Answer: (Insert the usual disclaimer that I'm not any sort of tax professional; I'm just a random guy on the Internet who occasionally looks throug...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Specifically when do options expire? ### Answer: 4PM is the market close in NYC, so yes, time looks good. If "out of the money," they expire worthless. If "in the money," it depends on your broker's...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I determine how much my car insurance will cost me? ### Answer: Don't be afraid to shop around. Every couple of years when it's time to renew my auto insurance I call a couple of places to see...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: File bankruptcy, consolidate, or other options? ### Answer: Tough spot. I'm guessing the credit cards are a personal line of credit in their name and not the company's (the fact that the business can ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would a long-term investor ever chose a Mutual Fund over an ETF? ### Answer: http://www.efficientfrontier.com/ef/104/stupid.htm would have some data though a bit old about open-end funds vs an ETF...