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Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Investing in income stocks for dividends - worth it? ### Answer: To answer your question: yes, it's often "worth it" to have investments that produce income. Do a Google search for "income vs growth i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How often do stocks become worthless? ### Answer: Randomly selected stocks would probably become worthless at a similar rate of all businesses going out of business do. I'm not sure why you'd randoml...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is stock in a company considered a good or a service, or something else? ### Answer: Stock is ownership. And whether the thing you own is a good or service irrelevant. The ownership itself is all that...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Formula for recalculation of a bad loan, i.e. where payments were missed? ### Answer: It sounds like there are no provisions in the loan document for how to proceed in this case. I would view this a...
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: I don't want to repeat things that have already been said as I agree with most of them. There's just one little thing I...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should you keep your stocks if you are too late to sell? ### Answer: If the stock starts to go down DO NOT SELL!! My reasoning for this is because, when you talk about the stock market, you haven't ac...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can a Canadian establish US credit score ### Answer: set up a US company (WY is cheap and easy), go south and open a personal and business bank account, ask for the itin form. file for the itin. s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Open Interest vs Volume for Stock Options ### Answer: You are asking 'what if', do you have some anticipated answers? Having volume smaller than open interest is the norm. As far as I can tell, having...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How are option contracts enforced? ### Answer: By their agreements with the central counterparty - in the US, the exchange or the Options Clearing Corporation, which interposes itself between the coun...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How much is university projected to cost in Canada in 18 years? ### Answer: The College Board offers a calculator. (Targeted to US residents; not sure how the figures will differ for Canada and other...
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: A 25% variance in price, in most markets, isn't so crazy as to require it be some sort of terrible scam, but that...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Free Historical Commodity Prices in txt? ### Answer: You can find gold historical prices on the kitco site. See the "View Data" button. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: what are the downsides of rolling credit card debt in this fashion ### Answer: Assuming you can get keep getting credit cards like this forever, you open yourself up to risk in short term losses. Stoc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does a lender compute equity requirement for PMI? ### Answer: Do you have any legal options? Not really. Citi is under no obligation to refinance your loan on your terms. But that goes both ways, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can we estimate the impact of a large buy order on the share price? ### Answer: If you look at a trade grid you can see how this happens. If there are enough bids to cover all shares currently on the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's a good option for passive income for a college student? ### Answer: There's no such thing as true "passive income." You are being paid the risk free rate to delay consumption (i.e., the super l...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Bid-ask price Question ### Answer: (12 * 100) * 1.01 = 1212 Assuming the $12 ask can absorb your whole 100 share order. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: US Stock Market - volume based real-time alert ### Answer: This would be a nice Raspberry Pi project for Mathematica, which comes bundled free on the Raspbian OS. You can program it up and leave it ru...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are car buying services worth it? ### Answer: I went through the Costco program for the so-called "no-hassle" bargain price when I bought my Prius. According to other Prius owners that I've met on for...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Overseas Foreign Earned Income; Can I take the Home Office Deduction for a home office based outside the United States? ### Answer: You are pushing your luck, but not because you're not in the US, bec...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Saving for a non-necessity ### Answer: The same as you would save for anything else, buget and make sure your expenses are less than your income each week. Put away a little each week for the item you...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to protect your parents if they never paid Social Security? ### Answer: I am unsympathetic. His mother made a conscious choice to evade taxes that would have provided her with at least a minimal ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would a company have 2 listings on the same exchange? ### Answer: Some companies like Royal Dutch Shell have multiple share classes to suit the tax regimes in Holland and the UK the A shares have ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I put in a limit order for the same price and size as someone else, which order goes through? ### Answer: While littleadv's answer is true for many exchanges (in particular the stock market, it's c...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Legitimate unclaimed property that doesn't appear in any state directory? ### Answer: Most states have a "cap" on the amount a "heir finder" can charge for retrieving the property. It is generally ar...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the ticker symbol for “Vanguard Target Retirement 2045 Trust Plus”? ### Answer: Use VTIVX. The "Target Retirement 2045" and "Target Retirement 2045 Trust Plus" are the same underlying fund, bu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What exactly happens during a settlement period? ### Answer: Securities clearing and settlement is a complex topic - you can start by browsing relevant Wikipedia articles, and (given sufficient quanti...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: 15 year mortgage vs 30 year paid off in 15 ### Answer: I just wanted to point out that the most "leverage" for pre-paying occurs at the very beginning of the mortgage, and declines rapidly after that....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can I invest my retirement savings money, where it is safer than stocks? ### Answer: This is a very open ended question with no concrete answer as it depends on your personal situation. However,...
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: I think that people only use the phrase "only spend what you can afford to lose" when they are talking about the most risky or speculative ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Paying myself a dividend from ltd company ### Answer: In a simple case as the sole UK resident director/shareholder of a company, with that company as your only income, you are usually best paying you...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Basic Algorithmic Trading Strategy ### Answer: This strategy is called trading the 'Golden Cross' if the 50 day SMA moves above the 200 day, or the 'Death Cross' when the 50 day SMA moves below the 20...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Sell a stock and buy a new one ### Answer: It depends on the broker. The one I use (Fidelity) will allow me to buy then sell or sell then buy within 3 days even though the cash isn't settled from the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Stock Certificate In two names ### Answer: The DOW is just an index, which is simply a group of stocks meeting the criteria for inclusion. In the case of the DOW, it's the 30 US stocks with the larges...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How are stock buybacks not considered insider trading? ### Answer: Buybacks do not increase the company's value. Cash is traded for outstanding shares. This is similar to a dividend, but instead of ca...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a benefit, long term, to life insurance for a youngish, debt, and dependent free person? ### Answer: Term life insurance for a healthy 30 year old is a heck of a lot cheaper than for a 40 yea...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there any reason not to put a 35% down payment on a car? ### Answer: I suggest you to apply for a car loan in other banks like DCU or wells fargo, you might get the loan with not the best rate, but...
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: First off, the answer to your question is something EVERYONE would like to know. There are fund managers at Fidelity who will a pay $100 mill...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What items are exempt from the VAT? [U.K.] ### Answer: I'm thinking about visiting the UK and I'm wondering which things are affected by the VAT and which are not. Most consumer goods are subject to V...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is the stock market closed on the weekend? ### Answer: While a lot of trading is executed by computers, a substantial amount is still done at the behest of humans. Brokers managing accounts, Port...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are some good ways to control costs for groceries? ### Answer: Definitely don't grocery shop when you're hungry. Also, watch for sales, and then buy in bulk and freeze it. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Fund or ETF that simulates the investment goals of an options “straddle” strategy? ### Answer: *Volatility and the VIX can be very tricky to trade. In particular, going out longer than a month can re...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can an unmarried couple buy a home together with only one person on the mortgage? ### Answer: The mortgage and title of the house would be under both your names equally. When I applied for a mortgage...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is my employee stock purchase plan a risk free investment? ### Answer: There would be small generic risk that the company stock goes down real fast by more than 15% in a specific event to the company ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How smart is it to really be 100% debt free? ### Answer: I think about debt as a good option for capital investments that offer a return. In my opinion, a house and clothes you need for that new job a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: (Legitimate & respectable) strategies to generate “passive income” on the Internet? ### Answer: One such place where you can sell your photos is iStockPhoto. They are pretty picky about the photos th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to prevent myself from buying things I don't want ### Answer: Make a deal with yourself. You can buy the things that you want, but only after you've read three books on behavioral economics. You s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does historical data get adjusted for dividends, exactly? ### Answer: Various types of corporate actions will precipitate a price adjustment. In the case of dividends, the cash that will be paid ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is losing money in my 401K normal? ### Answer: My two cents: I am a pension actuary and see the performance of funds on a daily basis. Is it normal to see down years? Yes, absolutely. It's a function ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Non Resident Alien Spouse Treated As Resident - Self Employment Income ### Answer: First, the SSN isn't an issue. She will need to apply for an ITIN together with tax filing, in order to file taxes as...
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: With your windfall, you've been given a second chance. You've become debt free again, and get to start over. Here is what I would recommend from this p...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do top investors pull out 20% ROI? ### Answer: Buffet is able to do many things the average investor cannot do. For example: During the 2008 market crash Buffet purchased 5 Billion on Citi prefer...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tax withheld by USA working in UK (Form 1042-S and Form 1099) ### Answer: Why was I sent both 1042-S and 1099. Which amount is the right amount that has been withheld. Generally, each tax form you get...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it safe to accept money in the mail? ### Answer: Another option is to set up an accoutn with Western Union Bill Payment Solutions, where your customer could go to one of their locations and pay in ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can the purchaser of a stock call option cancel the contract? ### Answer: You bought the right – but not the obligation – to buy a certain number of shares at $15 from whomsoever sold you the option,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to calculate the value of a bond that is priced to yield X% ### Answer: The idea is correct; the details are a little off. You need to apply it to the actual cash flow the bond would create. The b...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it safer to send credit card number via unsecured website form or by e-mail? What safer options are there? ### Answer: Your biggest risk with a vendor like this is not that your Credit Card Number ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: how do capital gains work if you don't know the original purchase price? ### Answer: There are two scenarios to determine the relevant date, and then a couple of options to determine the relevant pric...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Setting up auto-pay. Should I use my bank that holds mortage or my personal bank? ### Answer: Depending on your bank you may receive an ACH discount for doing automatic withdrawals from a deposit acco...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: According to yahoo finance, Vanguard's Dividend Growth Fund does not appear to have dividend growth. Why is that? ### Answer: I think you are mixing up forward looking statements with the actual resul...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How will the after market affect the open of the market tomorrow? ### Answer: In general a stock can open at absolutely any price with no regard for the closing price or after hours price the previous...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What would happen if the Euro currency went bust? ### Answer: Krugman (Nobel prize in Economy) has just said: Greek euro exit, very possibly next month. Huge withdrawals from Spanish and Italian banks...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I wait to save up 20% downpayment on a 500k condo? ### Answer: If you already have the money, put the 20% down but here is another option: You can put whatever you want down...Let's say 10%. Fo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Steps to buying a home ### Answer: Pre-edit, Pete mentioned that he feels real estate agents would (a) like you to buy as much house as you afford, and (b) would love to show you three houses and have...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the rationale behind stock markets retreating due to S&P having a negative outlook on the USA? ### Answer: Many of the major indices retreated today because of this news. Why? How do the r...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the purpose of the wash sale rule? ### Answer: In a comment on this answer you asked It's not clear to me why the ability to defer the gains would matter (since you never materially benefit u...
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: It is difficult to find investment banks that offer both low fees and low minimum investments. If you google around for ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Calculating a simply complicated return? ### Answer: Since you have the balance at equal periods and the cash flows at the period ends, the best return calculation in this case is the true time-weight...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Rationale behind using 12, 26 and 9 to calculate MACD ### Answer: The values of 12, 26 and 9 are the typical industry standard setting used with the MACD, however other values can be substituted depen...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Using stop-loss as risk management: Is it safe? ### Answer: A stop-loss order becomes a market order when a trade has occurred at or below the trigger price you set when creating the order. This means...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What would be the appropriate account for written off loans to friends and family? ### Answer: A simple way to account debt forgiveness of your receivables is to utilize a "Bad Debt" expense account. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Would cross holding make market capitalization apparently more? ### Answer: Initially, Each company has 10k shares. Company B has $500k money and possibly other assets. Every company has stated purpos...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Market Making vs Market Taking (Quotes vs Orders) ### Answer: This is too lengthy for a comment. The following quoted passages are excerpted from this Money SE post. Before electronic trading and HFTs...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: First time investing in real-estate, looks decent? ### Answer: Congratulations, you are in great shape financially at a very young age. Great income, nice equity in a home, and mostly debt free. It...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Strategy for investing large amount of cash ### Answer: Dollar Cost Averaging would be the likely balanced approach that I'd take. Depending on the size of the sum, I'd likely consider a minimum of 3 ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: mortgage vs car loan vs invest extra cash? ### Answer: Since you've already maxed out your 401k and your IRA, if you wanted to invest more-- then it would either be in a brokerage account or a 529 (if...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Borrow from 401k for down payment on rental property? ### Answer: Another option you might consider is rolling over some of that 401K balance into a self-directed IRA or Solo 401K, specifically one wi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Assessing the value of an ETF ### Answer: You can follow the intra-day NAV of an ETF, for instance SPY, by viewing its .IV (intra-day value) ticker which tracks it's value. http://finance.yahoo.com/...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How is it possible that a preauth sticks to a credit card for 30 days, even though the goods have already been delivered? ### Answer: Open a dispute for the preauth. It is effectively a double charge,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a simple strategy of selling stock over a period of time? ### Answer: The best strategy for RSU's, specifically, is to sell them as they vest. Usually, vesting is not all in one day, but rath...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I use FOREX markets to exchange cash? ### Answer: As far as I understand, OP seems to be literally asking: "why, regarding the various contracts on various exchanges (CBE, etc), is it that in some...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there any benefit to investing in an index fund? ### Answer: Index funds are good for diversifying risk. For people who don't have a large sum of money to invest, holding all the different types of...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I put dividend-paying stocks in my IRA, where does the dividend go when paid? ### Answer: The dividend goes into the IRA (either reinvested automatically or remains as cash until you invest it, per...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Any sane way to invest in both funds and stocks with UK ISA? ### Answer: You could use a stock-only ISA and invest in Exchange Traded Funds (ETFs). ETFs are managed mutual funds that trade on open exc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Wardrobe: To Update or Not? How-to without breaking the bank ### Answer: If you budget for cloths and save up the money, you may be able to take advantage of sales when they are on. However only buy...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Investment fund or ETF sanity check / ideas ### Answer: Now I'm trying to decide whether to find a managed fund, or use Vanguard ETFs. With a new trading account I can keep at least the initial move f...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I invest in the housing market via the stock exchange? ### Answer: You could look into an index fund or ETF that invests primarily in Real Estate Investment Trusts (REIT's). An REIT is any corpor...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there any banks with a command-line style user interface? ### Answer: At one point you could log into your HSBC account from the command line, but gosh, I've never heard of a bank that has a comma...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can my dad (grandpa) transfer shares to my 2 year old son? ### Answer: The most common way to handle this in the US is with a UTMA account. UTMA is the Uniform Transfers / Gifts to Minors Act ("UT...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the median retirement savings in the United States today? ### Answer: I find this very hard to believe Believe it. The bottom quarter of American households have negative net worth, and the b...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why can't house prices be out of tune with salaries ### Answer: Here's another way to think about. Let's assume it is 2011 and we have a married couple who are 25 and make a combined salary of $50,00...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How are stock buybacks not considered insider trading? ### Answer: Companies already have to protect themselves against employees trading the company's shares with insider information. They typically ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a way to buy raw oil today and sell it in 1 year time? ### Answer: Unless you have the storage and transportation facilities for it, or can come up with the money needed to rent or build thos...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Thrift Saving Plan (TSP) Share Price Charts ### Answer: The recommended way to track TSP funds in online portfolio tools is to track the underlying index and know that the results are pretty close. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I am not VAT registered. Do I need to buy from my supplier with excl VAT prices or incl VAT? ### Answer: It's quite common for VAT-registered businesses to quote ex-VAT prices for supply to other busi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is day trading considered riskier than long-term trading? ### Answer: I think, the top three answers by Joe, Anthony and Bigh are giving you all the detail that you need on a technical sense. Alth...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is an ideal number of stock positions that I should have in my portfolio? ### Answer: The two biggest issues that impact your question I would say are diversification and fees. If you have $10,00...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does investment into a private company work? ### Answer: However what actually appears to happen is that the 100k is invested into the company to fund some growth plan. So is it actually the case ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have $100,000 in play money… what to do? ### Answer: If you want a concrete investment tip, precious metals (e.g. gold, silver) are on a pretty good run these days, personally I still think they hav...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is tax being paid on my salary multiple times? ### Answer: Your wages are an expense to your employer and are therefore 100% tax deductible in the business income. The company should not be payin...