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Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Checks not cashed ### Answer: You're certainly still responsible to pay what you owe the company given that: 1. for whatever reason, the recipient never received the checks. and 2. the money was credi...
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: Couple of my friends went through a fraud agent who ran off with their money and the landlords were none the wiser. So it always pays...
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: Changing Bank Account Number regularly to reduce fraud ### Answer: To be absolutely sure you should call the agent and check That said I have been renting accommodation through both agencies and direc...
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. If you're absolutely sure you didn't just send money to a scammer impersonating a landlo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it wise to invest small amounts of money short-term? ### Answer: You can expect about a 7% return when investing in the general market if your horizon is ten years or more. The market fluctuates, w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it wise to invest small amounts of money short-term? ### Answer: This is slightly opinion based. Is it appropriate to invest small amounts for short periods of time? At your age and the time perio...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it wise to invest small amounts of money short-term? ### Answer: Even straight index funds grow at about 6-7%. on average, or over long periods of time. In short time periods (quarters, years), th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it wise to invest small amounts of money short-term? ### Answer: I would agree with the other answers about it being a bad idea to invest in stocks in the short term. However, do consider also long...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Car Insurance - Black box has broken and insurance company wants me to pay? ### Answer: Unless it is in the contract that you must replace it then this should be replaced by your insurance. They sent ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Car Insurance - Black box has broken and insurance company wants me to pay? ### Answer: First read the fine print. If you have to pay it, pay it and switch company. If you don't have to pay it and the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I deduct equipment that I'm required to purchase by my employer? ### Answer: It looks like you can. Take a look at these articles: http://www.googobits.com/articles/1747-taking-an-itemized-deduct...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: For a single company listed in multiple exchanges in different countries, are the shares being offered the same? ### Answer: Yes and no. There are two primary ways to do this. The first is known as ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there any instrument with real-estate-like returns? ### Answer: Similarly to buying property on your own, REITs cannot get to good returns without leveraging. If you buy an investment property 100%...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there any instrument with real-estate-like returns? ### Answer: nan ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does “Settling your Debt” entail, and how does it compare to other options? ### Answer: If you are struggling with debt and cannot realistically pay your debts off with your current level of inco...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does “Settling your Debt” entail, and how does it compare to other options? ### Answer: Basically, these guys break all your eggs then try to make an omelet. Your lender(s) must really believe t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does “Settling your Debt” entail, and how does it compare to other options? ### Answer: These agencies consolidate your debt and make it an easy monthly instalment for you. They also try to negot...
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: Stocks taxed just for selling, or just when withdrawing? ### Answer: It is not a dump question because it concerns your most important invisible financial partner:the taxman. The answer depends of the...
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: Taxes are triggered when you sell the individual stock. The IRS doesn't care which of your accounts the money is in. They vie...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Mexican Index Mutual Funds ### Answer: The recommendations you read were, very probably, talking about US listed funds in US dollars. The mexican Bolsa de Valores says that they list over 600 mutual f...
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: The broker would give you a margin call and get you to deposit more funds into your account. They wouldn't wait for the stock price t...
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: If the underlying is currently moving as aggressively as stated, the broker would immediately forcibly close positions to maintain ma...
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: Simple loan with a mortage as collateral ### Answer: Obligatory "Don't do it" remarks: If the guy isn't trusted enough to even show up to work, and can't get a personal loan directly from a bank (Home...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Simple loan with a mortage as collateral ### Answer: Assuming United States; answer may be different elsewhere. The best instructions I have seen for this were on the webpage of one of the law firms m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do employer contributions count against HSA limits? ### Answer: am I comparing apples and oranges? Yes - different purposes, different laws, different regulations. One rationale could be that HS...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do employer contributions count against HSA limits? ### Answer: It's going to be quite a challenge to give a definitive answer to any "Why" question about law, and especially so for a question ab...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do employer contributions count against HSA limits? ### Answer: Just like all employee benefits there is a focus on removing or limiting owners of businesses' ability to abuse tax preferences und...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why should we expect stocks to go up in the long term? ### Answer: Does it make sense for stocks to earn a premium indefinitely? Yes. There is good reason to think that the stock market will make mone...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why should we expect stocks to go up in the long term? ### Answer: I have read in many personal finance books that stocks are a great investment for the long term, because on average they go up 5-7% e...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why should we expect stocks to go up in the long term? ### Answer: I feel something needs to be addressed The last 100 years have been a period of economic prosperity for the US, so it's no surprise t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why should we expect stocks to go up in the long term? ### Answer: The total value of the stock market more or less tracks the total value of the companies listed in the stock market, which is more or...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why should we expect stocks to go up in the long term? ### Answer: Stocks "go up 5-7% every year. This has been true for the last 100 years for the S&P500 index...." This was true in the 20th century ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why should we expect stocks to go up in the long term? ### Answer: Companies are expected to make a profit, otherwise there is no point to their existence and no motivation for investment. That profit...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why should we expect stocks to go up in the long term? ### Answer: The last 300 years of civilization have been amazingly atypical. We have experienced industrial revolution after industrial revolutio...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why should we expect stocks to go up in the long term? ### Answer: Stock returns cannot be evaluated on its own. You need to take into account inflation and the return of other investment vehicles. Ov...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why should we expect stocks to go up in the long term? ### Answer: A lot of these answers are strong, but at the end of the day this question really boils down to: Do you want to own things? Duh, yes....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: 2008-2009 Stock Market Crash — what caused the second drop? ### Answer: The second drop was part of the same event. The short-term resurgence is often called a "dead cat bounce". Mongus Pong's answer ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: 2008-2009 Stock Market Crash — what caused the second drop? ### Answer: Ultimately no one really knows what causes the markets to rise and fall beyond supply and demand. If more people want to buy the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: 2008-2009 Stock Market Crash — what caused the second drop? ### Answer: First, I would like to use a better chart. In my opinion, a close of day line chart obscures a lot of important information. H...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Accounting equation: does income really decrease equity? ### Answer: If your income stream goes up, it would usually increase both your "income" term and your "assets" term since that money sits in yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Accounting equation: does income really decrease equity? ### Answer: Equity is the term to make things balance. In a simple transaction, you get $100 paid to you. Income goes up by $100 and the asset ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Accounting equation: does income really decrease equity? ### Answer: The accounting equation, in short, is: This can be further broken down into: Which can be further broken down into: The GnuCash equ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Am I putting myself at any security risks by putting all my money in one bank institution? ### Answer: For small amounts I wouldn't be too concerned. There are two factors I can think of: For relati...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: UK Ltd taxation on stocks/bonds income and real estate rent income ### Answer: For stocks, bonds, ETF funds and so on - Taxed only on realised gain and losses are deductible from the gain and not from...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can anyone else make an online payment for me? ### Answer: Your relative in the US could buy a pre-paid Visa (aka Visa gift card) and give you the numbers on that to pay. They're available for purcha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Splitting Hackathon Prize Money to minimize tax debt ### Answer: I would deduct all the other payments out as subcontractors, but I typically have all the paperwork and entities set up to make that ap...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Splitting Hackathon Prize Money to minimize tax debt ### Answer: A simple option is to ask your teammates to send you their portion of the tax bill. This option makes everyone's taxes easier, especial...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Splitting Hackathon Prize Money to minimize tax debt ### Answer: I would just take $2000 and multiply by your marginal tax rate, weight that between the 5 other people according to their share of the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: RRP/list price/retail price and cars? ### Answer: The retailer can sell for whatever price they like, with the caveats that if they consistently sell at a loss they will go out of business and if they...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's a good free checking account? ### Answer: The best bank with least amount of gotchas is Alliant Credit Union. I did a lot of research and finally decided on this bank. I did a comparative s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's a good free checking account? ### Answer: Check with a small local bank or credit union, they might offer better terms. That said, my local credit union still charges $6/month for a checking a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's a good free checking account? ### Answer: Here's a hack for getting the "free" checking that requires direct deposit. Some effort to set up, but once everything is in place, it's all autopilot...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's a good free checking account? ### Answer: If you want to deposit checks or conduct business at a window, you should look at a local savings bank or credit union. Generally, you can find one th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's a good free checking account? ### Answer: Capital One 360. No minimums balance, no fees. Everything's online. Make deposits using an app or an image of the check. ATMs are free almost everywhe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's a good free checking account? ### Answer: Online banks are the future. As long as you don't need a clerk to talk to (and why would you need?) there's nothing you can't do with an online bank t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: In India, what is the difference between Dividend and Growth mutual fund types? ### Answer: The difference between dividend and growth in mutual funds has to do with the types of stocks the mutual fun...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: In India, what is the difference between Dividend and Growth mutual fund types? ### Answer: After searching a bit and talking to some investment advisors in India I got below information. So thought o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: In India, what is the difference between Dividend and Growth mutual fund types? ### Answer: I wrote about this a while back: http://blog.investraction.com/2006/10/mutual-funds-dividend-option-or-growt...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: In India, what is the difference between Dividend and Growth mutual fund types? ### Answer: A growth fund is looking to invest in stocks that will appreciate in stock price over time as the companies ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does my net paycheck decrease as the year goes on due to tax brackets filling up? ### Answer: Most countries with income tax, including the USA, design their withholding system so that in straightforw...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does my net paycheck decrease as the year goes on due to tax brackets filling up? ### Answer: If your payroll payments are the same each period, you will generally have the same net pay per period. S...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does my net paycheck decrease as the year goes on due to tax brackets filling up? ### Answer: H.R. basically consults Publication 15 (this is the link to 2015) to determine how much to hold, based on ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does my net paycheck decrease as the year goes on due to tax brackets filling up? ### Answer: It seems that you are misunderstanding how your taxes are calculated. You seem to be under the impression ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does my net paycheck decrease as the year goes on due to tax brackets filling up? ### Answer: In general no, if you just have one employer and work there with the same salary for the whole year. Typi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does my net paycheck decrease as the year goes on due to tax brackets filling up? ### Answer: No, you will (generally speaking) not see a decrease in your net earnings from crossing a tax bracket: Thi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I open a Solo 401(k) if I am an independent contractor but also work part-time as an employee? ### Answer: If you have self-employment income you can open a Solo 401k. Your question is unclear as...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I open a Solo 401(k) if I am an independent contractor but also work part-time as an employee? ### Answer: A Solo 401k plan requires self-employment income; you cannot put wages into it. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I open a Solo 401(k) if I am an independent contractor but also work part-time as an employee? ### Answer: I'm in a similar situation as I have a consulting business in addition to my regular IT j...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I cash out a check internationally? ### Answer: I know someone around there, who might be able to collect it for me.Would I still be able to cash it out in the other country? Or can he/she...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I cash out a check internationally? ### Answer: Your friend probably cannot deposit the check to your U.S. bank account. U.S. banks that I've worked with will not accept a deposit from someone...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I cash out a check internationally? ### Answer: This question was asked three years ago, but now that it's 2017 there is actually a relatively easy, cheap and fast solution to at least the fir...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I cash out a check internationally? ### Answer: I've been a landlord and also a tenant. I have been able to deposit money in an account, where I have the account number, and/or a deposit slip....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have around 60K $. Thinking about investing in Oil, how to proceed? ### Answer: One possibility would be to invest in a crude oil ETF (or maybe technically they're an ETP), which should be easily ac...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have around 60K $. Thinking about investing in Oil, how to proceed? ### Answer: This is only a partial answer to your question #1. If you have a conservative approach to savings (and, actually, even...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have around 60K $. Thinking about investing in Oil, how to proceed? ### Answer: If you've decided to ignore the sound advice re: oil company stocks, and you want something directly linked to the pri...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have around 60K $. Thinking about investing in Oil, how to proceed? ### Answer: Royalty trusts track oil prices (they're a pure play on ownership of a portfolio of mineral rights and do not otherwis...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Question about ex-dividend date timing ### Answer: Here is the definition of Ex-dividend date from the SEC: Once the company sets the record date, the stock exchanges or the National Association of Se...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can a company donate to a non-profit to pay for services arranged for before hand? ### Answer: Donations need to be with no strings attached. In this case, you make the cash donation, a deduction, and...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can a company donate to a non-profit to pay for services arranged for before hand? ### Answer: When you say "donate", it usually assumes charitable donation with, in this context, tax benefit. That is...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can a company donate to a non-profit to pay for services arranged for before hand? ### Answer: Can a company say "StackExchange" donate to a non-profit company say $5,000 in agreement that they will s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can a company donate to a non-profit to pay for services arranged for before hand? ### Answer: People put conditions on donations all the time. They donate to the Red Cross for a specific disaster. Th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I work with two or more mortgage brokers at the same time? ### Answer: While it is possible, it's not a really good use of your time or theirs. Mortgage brokers have access to dozens of lenders, c...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I work with two or more mortgage brokers at the same time? ### Answer: Obviously mate. Mortgage advisors don't have just one client, similarly why should you have only one advisor? it´s an open ma...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to find a reputable company to help sell a timeshare? ### Answer: You are right to be skeptical of timeshare listing companies. As you can imagine, it is very difficult to actually sell a timesha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to find a reputable company to help sell a timeshare? ### Answer: The one thing I would like to add to Ben's answer is that you will be lucky to get out of this with no proceeds. So that 30-40K ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to find a reputable company to help sell a timeshare? ### Answer: You own something with very little market value - even if you paid a large price for it initially. Your cost to sell may be more t...
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: These kinds of credit card offers are incredibly common. More often you will get a certain reward if you spend $X within Y days of getting the ...
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: What's going on here is that Amazon/visa thinks that the money they will earn on average from irresponsible credit card users is more value tha...
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: The most likely reason for this card is that Amazon has an arrangement with the issuer (I believe that that used to be Chase; may have changed ...
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: Every financial services company (and cellphone provider, cable and broadband provider, private energy supplier, and so on and so forth - it's ...
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: The 'store card' that Amazon offers gives 5% back on Amazon purchases. Some time ago, when I realized how much of my spending was going through...
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: Is Amazon's offer of a $50 gift card a scam? ### Answer: No. Amazon is a reputable company. Many stores have their own credit card. Additionally they have several cards available, through Visa and Dis...
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: It's not a scam. They just want you to be an Amazon customer for many years and you'll be advertising Amazon to anyone who sees your credit car...
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: a free $50 looks too good to be true. As others already pointed out, these offers are common to many cards that want you to build loyalty towar...
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: it's not a scam. it's not even too good to be true. frankly it's the lowest sign up bonus i've ever seen for a credit card. you would be better...
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: Based on my personal experience with that particular offer, I can say that it's not really a scam. I signed up for an Amazon Credit Card to get...