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Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Diagnostic Questions to Determine if Renter intends to pay ### Answer: Firstly, how far behind on rent are they? Have you sent them notices in writing about late rent, and if so how many have you had ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Diagnostic Questions to Determine if Renter intends to pay ### Answer: Assuming the renter was properly vetted, the only question worth asking is "what has changed in your life?" Perhaps one of the ea...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Warren and it's investments [duplicate] ### Answer: If I were in your shoes I would concentrate now on investing in yourself. Your greatest wealth building tool is your income. Going to school is gr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where should my money go next: savings, investments, retirement, or my mortgage? ### Answer: First, i think you're doing awesomely for your age. Here's what i'd do in your situation (disclaimer: These...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where should my money go next: savings, investments, retirement, or my mortgage? ### Answer: I frequently advise to go 401(k) up to the match. With no match, I'm not so sure. If you are in the 15% br...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where should my money go next: savings, investments, retirement, or my mortgage? ### Answer: As the others said, you're doing everything right. So, at this it's not a matter of what you should do, it'...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where should my money go next: savings, investments, retirement, or my mortgage? ### Answer: I'd invest in yourself. Start up a side business. Take a certification class that gets your foot in the d...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where should my money go next: savings, investments, retirement, or my mortgage? ### Answer: There's a ton of great advice here. It's very challenging to come up with something that hasn't already be...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Details on opening a small corporation in ontario ### Answer: The Canada Revenue Agency does indeed put out just the guide you want. It's at http://www.cra-arc.gc.ca/E/pub/tg/rc4070/rc4070-e.html - yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I'm 18. How to build good monthly income at my 20's? ### Answer: Market rate of return averages about 8% annually (sometimes more, sometimes less or negative). To get 30k monthly -- even taking that a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I'm 18. How to build good monthly income at my 20's? ### Answer: It looks like you need a lot more education on the subject. I suggest you pick up a book on investing and portfolio management to get a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Pay online: credit card or debit card? ### Answer: Credit card, without a doubt. The reason is dispute resolution. If you dispute a charge on debit card - the money has left your account already, and ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Pay online: credit card or debit card? ### Answer: I completely agree with @littleadv in favor of using the credit card and dispute resolution process, but I believe there are more important details h...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Pay online: credit card or debit card? ### Answer: One more thing to favor the card. Extended warranty, or damage coverage. An iPad, if dropped on a hard surface, stands a good chance of breaking. App...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Pay online: credit card or debit card? ### Answer: I use another solution: debit card with an account kept empty most of the time and another account in the same bank without any card. I keep the mone...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Pay online: credit card or debit card? ### Answer: In the UK it is almost always better to purchase with a credit card for transactions above £100 but below £30,000. This is due to Section 75 of the C...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Pay online: credit card or debit card? ### Answer: Nowadays, some banks in some countries offer things like temporary virtual cards for online payments. They are issued either free of charge or at a n...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the best software tools for personal finance? ### Answer: Mint.com—Easy solution to provide insight into finances. Pros: Cons: ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the best software tools for personal finance? ### Answer: GnuCash—Great for the meticulous who want to know every detail of their finances. Pros: Cons: ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the best software tools for personal finance? ### Answer: I like You Need A Budget (YNAB) Pros: Cons: ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the best software tools for personal finance? ### Answer: Excel Pros: Cons: ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the best software tools for personal finance? ### Answer: Intuit Quicken. Pros: Cons: ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the best software tools for personal finance? ### Answer: I'm a big fan of buxfer.com ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the best software tools for personal finance? ### Answer: I just switched (from the abandoned, but good MS Money) to Moneydance 2010 ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the best software tools for personal finance? ### Answer: http://www.Mvelopes.com Mvelopes is envelope-style budgeting in an online application. I've tried all of the other applications and I...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the best software tools for personal finance? ### Answer: For Mac it's definitely iFinance. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the best software tools for personal finance? ### Answer: I use iBank for Mac to keep track of my expenses. I also use the iPhone version since they can sync over Wi-Fi and I can capture expe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the best software tools for personal finance? ### Answer: KMyMoney Pros: Cons: ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the best software tools for personal finance? ### Answer: For iPhone: iExpenseIt ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the best software tools for personal finance? ### Answer: Money Manager Ex PROS: CONS ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the best software tools for personal finance? ### Answer: Emergency Account Vault (Windows) I use it to store info about all of my accounts/assets in an encrypted document. It's more for keep...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the best software tools for personal finance? ### Answer: For any android device you can try: Daily Expense Manager - to track your expenses and a host of other apps to suit your specific nee...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Postbank (Germany) - transferring money to the US - what are the best options? ### Answer: For those who are interested, I am answering my own question: We used Postbank and transferred 6000 Euro, we ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Postbank (Germany) - transferring money to the US - what are the best options? ### Answer: After doing this many times, my preferred method is: The reason being that the US banks will use every chance...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the next step to collect money after a judgment has been ignored? ### Answer: According to LegalZoom: If your debtor is unwilling to pay and you know they have the means, it's time to use y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the next step to collect money after a judgment has been ignored? ### Answer: In general, if this is in the United States, call your local bar association. Tell them you need a lawyer to help...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the next step to collect money after a judgment has been ignored? ### Answer: A lawyer might be overkill for recovering a judgment. Do a google search for "judgment recovery service" in your ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the next step to collect money after a judgment has been ignored? ### Answer: Do you have the following information? If the above conditions are met, you can use the county sheriff department ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the next step to collect money after a judgment has been ignored? ### Answer: On the off chance that your indebted person is unwilling to pay and you know they have the methods, it's a great o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What reason would a person have to use checks in stores? ### Answer: Rational reason. They like this method of paying. There is a delay between writing the check and having the money removed from the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What reason would a person have to use checks in stores? ### Answer: It's because they're used to it and it works for them. Everything other reason is meh. Used to, you could float a check to payday....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What reason would a person have to use checks in stores? ### Answer: Here's another rational reason: Discount. This typically works only in smaller stores, where you're talking directly to the owners,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: High-risk investing is better for the young? Why? ### Answer: What is the importance or benefit of the assumption that high-risk is preferable for younger people/investors instead of older people? Law...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: High-risk investing is better for the young? Why? ### Answer: The reason that you are advised to take more risk while you are young is because the risk is often correlated to a short investment horizo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: High-risk investing is better for the young? Why? ### Answer: If you spent your whole life earning the same portfolio that amounts $20,000, the variance and volatility of watching your life savings dr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: High-risk investing is better for the young? Why? ### Answer: There's two reasons. One is that you have a longer time horizon, other answers cover that. The second is that for someone who is younger, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: High-risk investing is better for the young? Why? ### Answer: I'm going to diverge from most of the opinions expressed here. It is common for financial advisors to assume that your portfolio should be...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: High-risk investing is better for the young? Why? ### Answer: There is no rule-of-thumb that fits every person and every situation. However, the reasons why this advice is generally applicable to mos...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: High-risk investing is better for the young? Why? ### Answer: Would my high-risk investment choices, aside from the main question, have any bearing on the road I want to go down and test (managing mut...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What debts are both partners liable for in a 'community property' state? ### Answer: No two states have the same exact laws regarding community property. I would recommend asking a competent financia...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What debts are both partners liable for in a 'community property' state? ### Answer: (Yes, I know this is a seven year old question.) Does this only apply to debts that were taken on during marriage ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What debts are both partners liable for in a 'community property' state? ### Answer: I know one piece of information that can help you (in a macabe sort of way) - from what my wife has told me, if you...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do personal checks expire? [US] ### Answer: It depends on the bank. According to the Uniform Commercial Code, a bank is not obliged to pay a cheque after six months, but may do so if it wants to. § 4-...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do personal checks expire? [US] ### Answer: When I last asked a certain large bank in the US (in 2011 or 2012), they didn't offer expiring personal checks. (I think they did offer something like that ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do UK banks require monthly “pay in” into current account? ### Answer: Banks are not your friends, they are not performing services for you because they like you. They are a business, and they mak...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do UK banks require monthly “pay in” into current account? ### Answer: From the banks point of view the point of a current account like this is to get you as a regular customer. They want to be yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to properly do background check for future tenant in my own house? ### Answer: I am a realtor. For our rental business, we use a service that offers a background check. It costs us about $25, and ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to properly do background check for future tenant in my own house? ### Answer: If you can find a tenant by networking -- co-worker, friend of a friend, etc. -- rather than openly advertising, that...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it possible to quantify the probability of sudden big movements for a high-volume stock? ### Answer: Certainly no one knows in advance how much a stock is going to swing around. However, there are ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it possible to quantify the probability of sudden big movements for a high-volume stock? ### Answer: The P/E is currently 20. In hindsight, it's easy to see that when it was 50, not long ago, it wa...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it possible to quantify the probability of sudden big movements for a high-volume stock? ### Answer: This is a classic correlation does not imply causation situation. There are (at least) three is...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it possible to quantify the probability of sudden big movements for a high-volume stock? ### Answer: In general, when companies are regarded as "hot" growth stocks, they are expected to keep up an ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What happens if the term insurance company closes? ### Answer: This depends on the jurisdiction, but such companies are typically subject to regulations (and audits) that require them to keep the cust...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: renter's insurance for causing property damage ### Answer: Renters' Insurance should also have some level of liability coverage. I.e.: if you caused a flooding because you went on and broke the pipe, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: renter's insurance for causing property damage ### Answer: You need to get some thing called landlord insurance, tenants only covers his belongings. Any property damage caused deliberately or unknowin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do you write a check with cents? ### Answer: In the US, Section 3.114 of the Uniform Commercial Code sets the rules for how any confusion in checks or other business transactions is handled: “If a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: W-4 and withholding taxes for self-employed spouse ### Answer: Littleadv is incorrect because receiving a 1099 means she will be taxed self-employment tax on top of federal income taxes. Your employer...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: W-4 and withholding taxes for self-employed spouse ### Answer: With your income so high, your marginal tax rate should be pretty easy to determine. You are very likely in the 33% tax bracket (married...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: W-4 and withholding taxes for self-employed spouse ### Answer: When you enter your expected gross income into the worksheet - just enter $360000 and leave everything else as is. That should give you t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is equity research from large banks reliable? ### Answer: If by "can we trust the analyst recommendations" you mean "are they right 100% of the time" the answer is absolutely no. Analysts are human a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is equity research from large banks reliable? ### Answer: They aren't necessarily trustworthy. Many institutions claim to have a "Chinese Wall" between their investment banking arms and analysis arms....
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: We all buy stuff from time to time that only satisfies us for a short time. I was able to locate a few expenses that fall under that c...
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: I found the best way to do this was to make a spending plan at the beginning of the month with someone else. If you're married or in a...
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: To me the key is a budget. Each month, before it begins, decide on what to spend on each dollar that you earn. Money should be allot...
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: One of the most effective tools we have to keep ourselves from doing things is procrastination. Most of the time procrastination is a...
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: Nathan's answer was a +1 from me. The answer is not always simple. Having the money available is surely the first step. Using Pete's p...
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: Since these are specific items that you don't really want to buy, it might help to figure out what you could spend that money on that ...
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: I use cash exclusively. I go to the cash machine once a week and withdraw the money I want to spend in one week (so I have to plan if ...
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 to prevent myself from buying things I don't want ### Answer: There are a lot of good answers above, all of them will probably work for you in some way or another. One point to note (from the proc...
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: Remember where they said "Life, liberty and the pursuit of happiness? That is the essence of this problem. You have freedom includin...
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: To me, your question emphasizes something I've heard many times before: personal finance is as much or more about behavior than it is ...
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: I believe that your dilemma comes from not having clearly defined consequences of buying it. On one side you want it and you can affor...
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: My approach won't work for everyone, but I keep a longer list of things I want in my head, preferably including higher value items. I...
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: There's a reason that you get a discount code: to make you feel like you're getting a deal. A deal is what you get when there was some...
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: Long ago, a friend of mine shared with me the "Lakshmi rule" which can be used for managing one's spending: 1/3rd: Save, 1/3rd: Donat...
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: One approach is to control your budget more effectively. For example work out your essential living expenses things like food, rent an...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: what is the likely reason that the bank have a different year end than the other companies ### Answer: The exact Financial calander followed is different for different regions/countires. The differenc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is leveraging notoriety to raise stock prices illegal in the US? ### Answer: There are obviously lots of complexities here, and there are rules against price or market manipulation that are somewhat i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is leveraging notoriety to raise stock prices illegal in the US? ### Answer: Yes, there are legal problems with what he did. To prevent fraud, the US government regulates who can give public investmen...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is leveraging notoriety to raise stock prices illegal in the US? ### Answer: pump and dump is a common Illegal practice of boiler room operations. It refers to the talking a stock up, both through wor...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is leveraging notoriety to raise stock prices illegal in the US? ### Answer: If he didn't lie, I don't see the issue. He did not force anyone to buy anything. His opinion was stock X is good, he publi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I explain why debt on debt is bad to my brother? ### Answer: I wouldn't try to tell him what he should do, nor would I provide any financial assistance. Invite him over and tell him how a Dave ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I explain why debt on debt is bad to my brother? ### Answer: Talk about opportunity cost. Show a rope, and put a tag with him on the end of it. Explain that since he has max out his credit, he...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I explain why debt on debt is bad to my brother? ### Answer: The key idea he should focus on is that every debt includes interest - the money he didn't borrow, but now owes. The interest goes s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I explain why debt on debt is bad to my brother? ### Answer: Two suggestions: I don't know if you have them in South Africa, but here we have some TV reality shows where a credit consultant vis...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I explain why debt on debt is bad to my brother? ### Answer: If you're looking for an analogy or exercise, I saw a personal finance show that had people climb stairs, with the debt as weight. E...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I explain why debt on debt is bad to my brother? ### Answer: How about doing some calculations and show him how much he is paying for things he is buying on credit.Mix in some big and small pur...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I explain why debt on debt is bad to my brother? ### Answer: I'm not good at persuasion, and I'm not an expert at any of this, but here's what I've been thinking. Rather than telling him that h...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I explain why debt on debt is bad to my brother? ### Answer: The only thing that comes to mind is a recent HBO Real Sports segment (http://www.youtube.com/watch?v=WDjkbgrgcmo) on a couple of NF...