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Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I buy a new house before selling my current house? ### Answer: There's also the option to put most of your stuff into storage and rent an apartment or go to an extended stay hotel. Some apartment...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I buy a new house before selling my current house? ### Answer: As the other answers suggest, there are a number of ways of going about it and the correct one will be dependent on your situation (a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I buy a new house before selling my current house? ### Answer: If you're living in a market where some houses are going for $150K over asking, then you MUST buy before you sell. In a seller's mar...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I buy a new house before selling my current house? ### Answer: You don't say why you want to move. Without knowing that, it is hard to recommend a course of action. Anyway... The sequence of event...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I buy a new house before selling my current house? ### Answer: I sold my house and had been in the market looking for a replacement house for over 6 months after I sold it. I found someone willing...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When people say 'Interest rates are at all time low!" … Which interest rate are they actually referring to? ### Answer: You are correct that it could refer to any of the types of interest rates that y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When people say 'Interest rates are at all time low!" … Which interest rate are they actually referring to? ### Answer: As Sean pointed out they usually mean LIBOR or the FFR (or for other countries t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When people say 'Interest rates are at all time low!" … Which interest rate are they actually referring to? ### Answer: I would say people are generally talking about the prime lending rate. I have he...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Visitor Shopping in the US: Would I get tax refund? Would I have to pay anything upon departure? ### Answer: The US doesn't have a Value Added Tax, which is the one usually refundable upon departing t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Visitor Shopping in the US: Would I get tax refund? Would I have to pay anything upon departure? ### Answer: Tax Refund: The US generally does not refund tax like other countries. For larger sales, yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Visitor Shopping in the US: Would I get tax refund? Would I have to pay anything upon departure? ### Answer: Yes, you get a refund but only in a couple of states. If you are visiting Louisiana (e.g. N...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Visitor Shopping in the US: Would I get tax refund? Would I have to pay anything upon departure? ### Answer: Sales tax and luxury tax is what you will have to pay tax wise, and they are non-refundable...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is Chit funds. And how to invest in it? ### Answer: Chit funds started as group of people pooling money every month and drawing a lot to determine who would get the entire funds that month. For e...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Jointly filing taxes in 2 different states ### Answer: Both states will want to tax you. Your tax home is where you maintain a domicile, are registered to vote, etc. and you will probably want to keep...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do you measure the value of gold? ### Answer: Gold may have some "intrinsic value" but it cannot be accurately determined by investors by any known valuation techniques. In fact, if you were to ap...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do you measure the value of gold? ### Answer: There are three aspects of what to value gold over. It doesn't easily chemically react with anything, so it stays pure over a long period of time (vs,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do you measure the value of gold? ### Answer: Intrinsic value is a myth. There is no such thing. Subjective human demand is the only thing that gives anything value. This subjectivity is differ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do you measure the value of gold? ### Answer: 1) Get some gold. 2) Walk around, yelling, "Hey, I have some gold, who wants to buy it?" 3) Once you have enough interested parties, hold an auction a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do you measure the value of gold? ### Answer: I can describe the method for determining a price floor, which may help. It starts with looking at the cost of mining. There's a ridiculously small am...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do you measure the value of gold? ### Answer: You acquire something because you expect to use it, or because you expect to exchange it for something that you want to use. Gold is a good candidate ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do you measure the value of gold? ### Answer: There is no such thing as intrinsic value. Gold has value because it is rare and has a market. If any of those things decline, the value plunges. The ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do you measure the value of gold? ### Answer: We measure the value of gold by comparing it to other things. Sorry, but there is no better answer than that. There is no gold standard (pun intended)...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can a bunch of wealthy people force Facebook to go public? ### Answer: In the US, a private company with less than 500 owners can dictate who can or can't become a shareholder (this is true in general...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can a bunch of wealthy people force Facebook to go public? ### Answer: @Alex B's answer hits most of it, but leaves out one thing: most companies control who can own their non-public shares, and prohi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Separate bank account for security deposit from tenant ### Answer: Per Md. REAL PROPERTY Code Ann. § 8-203: (d) (1) (i) The landlord shall maintain all security deposits in federally ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Separate bank account for security deposit from tenant ### Answer: In Massachusetts, we have a similar law. Each tenant fills out a W9 and the account is in their name. You need to find a bank willing...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I want a Credit Card offered through a different Credit Union should I slowly transition my banking to that CU? ### Answer: No. There's no inherent reason to link the place that you bank with any o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I want a Credit Card offered through a different Credit Union should I slowly transition my banking to that CU? ### Answer: I don't have an account with either of those CUs, but I do have membershi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I want a Credit Card offered through a different Credit Union should I slowly transition my banking to that CU? ### Answer: As has been stated, you don't need to actively bank with a credit union t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Flex spending accounts and hsa when changing jobs ### Answer: Some of this may depend on how your employer chose to deal with your notice period. Most employers employ you for the duration (which mea...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying my first car: why financing is cheaper than paying cash here and now? ### Answer: The dealership is getting a kickback for having you use a particular bank to finance through. The bank assumes ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying my first car: why financing is cheaper than paying cash here and now? ### Answer: The advice given at this site is to get approved for a loan from your bank or credit union before visiting the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the typical repayment plans for Credit Cards in the United States? ### Answer: In the U.S., when you receive your credit card bill each month there's a "minimum payment amount." That minimum ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the typical repayment plans for Credit Cards in the United States? ### Answer: It is called "Credit card installments" or "Equal pay installments", and I am not aware of them being widely use...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Joint account that requires all signatures of all owners to withdraw money? ### Answer: Savings accounts have lower fees. If you don't anticipate doing many transactions per month, e.g. three or fewer...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I am trying to start a “hedge fund,” and by that, I really just mean I have a very specific and somewhat simple investment thesis that I want to ### Answer: Kudos for wanting to start your own busines...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How should minor children be listed as IRA beneficiaries? ### Answer: First - for anyone else reading - An IRA that has no beneficiary listed on the account itself passes through the will, and this el...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How should minor children be listed as IRA beneficiaries? ### Answer: I think that "better" is up to a discussion, but the difference is that while in trust you can control the money after your death ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How should minor children be listed as IRA beneficiaries? ### Answer: I would like to bring up some slightly different points than the ones raised in the excellent answers from JoeTaxpayer and littlea...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What could be the harm in sharing my American Express statements online? ### Answer: American Express is great for this use case -- they have two user roles "Account Agent" and "Account Manager" which...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What could be the harm in sharing my American Express statements online? ### Answer: If someone gains access to these data, he could use social engineering approach to impersonate you - i.e. call the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What could be the harm in sharing my American Express statements online? ### Answer: Call me overly paranoid, but letting unknown people know your charges and your personal information is asking for t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What could be the harm in sharing my American Express statements online? ### Answer: As a person who has had several part time assistants in the past I will offer you a simple piece of advise that sho...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Borrowing money for a semi-urgent medical expense ### Answer: The best option would be to have the dental office allow you pay in installments. That would be probably the cheapest and most convenient ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Borrowing money for a semi-urgent medical expense ### Answer: I am a bit confused here as to how a 4K loan will negatively effect your credit score if payments are made on time. FICO scores are based...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Saving/ Investing a lump sum ### Answer: In my mind, when looking at a five year period you have a number of options. You didn't specify where you are based, which admittedly makes it harder, to give ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Saving/ Investing a lump sum ### Answer: 5 years is very short term, and since you are sure you'll need the money, investing it into the markets should probably not be done. You can toss it in Ally ba...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: CFD market makers: How is the price coupled to the underlying security? ### Answer: CFD providers typically offer CFDs to investors using either the direct market access (DMA) model or the market make...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How exactly does dealing in stock make me money? ### Answer: This is a very good question! The biggest difference is that when you put money in a savings bank you are a lender that is protected by the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How exactly does dealing in stock make me money? ### Answer: You can make money via stocks in two primary ways: Note that there's no guarantee of either. So it may very well not make you money. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How exactly does dealing in stock make me money? ### Answer: If you have money and may need to access it at any time, you should put it in a savings account. It won't return much interest, but it wil...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How exactly does dealing in stock make me money? ### Answer: If you buy a stock and it goes up, you can sell it and make money. But if you buy a stock and it goes down, you can lose money. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How exactly does dealing in stock make me money? ### Answer: Generally, a share of stock entitles the owner to all future per-share dividends paid by the company, plus a fraction of the company's asse...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can individuals day-trade stocks using High-Frequency Trading (HFT)? ### Answer: The answer is to your question is somewhat complicated. You will be unable to compete with the firms traditionally asso...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can individuals day-trade stocks using High-Frequency Trading (HFT)? ### Answer: Nobody is going to stop you if you want to try that. But you should keep in mind that you have to invest a lot in getti...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can individuals day-trade stocks using High-Frequency Trading (HFT)? ### Answer: Yes you can, but to do so successfully, you need lots of money. You also need to be able to meet the criteria for being...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can individuals day-trade stocks using High-Frequency Trading (HFT)? ### Answer: I just finished a high frequency trading project. Individuals can do it, but you need a lot of capital. You can get a m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is debt almost always the cause of crashes and recessions? ### Answer: While debt increases the likelihood and magnitude of a crash, speculation, excess supply and other market factors can result in c...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is debt almost always the cause of crashes and recessions? ### Answer: The statement can be true, but isn't a general rule. Crashes and recessions are two different things. A crash is when the market ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is debt almost always the cause of crashes and recessions? ### Answer: The root cause can be said to always be a crisis in confidence. It may be due to a very real event. However, confidence is what...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is debt almost always the cause of crashes and recessions? ### Answer: A lack of trust in the regulator can also stop everyone trading. If you don’t believe the bank notes you are getting paid with ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What factors you have do you count on to speculate effectively? ### Answer: Strategy would be my top factor. While this may be implied, I do think it helps to have an idea of what is causing the buy ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: As a minor in the UK do I need to pay taxes on self-employment income, and if so how? ### Answer: As a minor you certainly can pay tax, the government wants its cut from you just like everyone else :-...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What factors should I consider when evaluating index funds? ### Answer: The idea of an index is that it is representative of the market (or a specific market segment) as a whole, so it will move as th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What factors should I consider when evaluating index funds? ### Answer: Your link is pointing to managed funds where the fees are higher, you should look at their exchange traded funds; you will note ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to change a large quantity of U.S. dollars into Euros? ### Answer: To transfer US$30,000 from the USA to Europe, ask your European banker for the SWIFT transfer instructions. Typically in the USA...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to change a large quantity of U.S. dollars into Euros? ### Answer: The right answer to this question really depends on the size of the transfer. For larger transfers ($10k and up) the exchange ra...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to change a large quantity of U.S. dollars into Euros? ### Answer: Be careful of transferring through the large banks. They may say no/low fees, but they hide their cut in the spread, or worsen th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to change a large quantity of U.S. dollars into Euros? ### Answer: You would probably be better off wiring the money from your US account to your French account. That IMHO is the cheapest and safe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is keeping track of your money and having a budget the same thing? ### Answer: A budget is a plan for spending money in the future. Tracking spending is only looking at what happened in the past. Man...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is keeping track of your money and having a budget the same thing? ### Answer: The two are closely related. A budget is a detailed plan for how to spend. Expense tracking is a tool to analyze your pre...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is keeping track of your money and having a budget the same thing? ### Answer: What you are doing is neither one. You are simply watching to make sure you don't overdraw, which itself suggests you mi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is keeping track of your money and having a budget the same thing? ### Answer: A budget is a predetermined plan for spending allocated funds to a fixed set of categories according to a schedule. If by...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does a big lottery winner cash his huge check risk-free? ### Answer: If the funds are deposited into a noninterest-bearing account, they will be covered by FDIC insurance regardless of the amount ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does a big lottery winner cash his huge check risk-free? ### Answer: You have a few options: Personally, I would cash the check at my broker and buy a mixture of US Government and New York Tax-Exe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does a big lottery winner cash his huge check risk-free? ### Answer: You cant! There is the risk that between the time you get the check and the time you get to the bank that you will be murdered,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are all VISA cards connected with bank accounts? ### Answer: In the United States there are 3 main types of cards. There are organizations that push a credit card with their branding. They aren't a ba...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are all VISA cards connected with bank accounts? ### Answer: Not necessarily. You can issue credit cards without a bank involved, although companies which do so may have additional legal complications...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: US citizen transferring money to Indian fiance to buy property ### Answer: A. Kindly avoid taking dollars in form of cash to india unless and until it is an emergency. Once the dollar value is in exce...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Lending to the bank ### Answer: This will happen automatically when you open an interest-bearing account with a bank. You didn't think that banks just kept all that cash in a vault somewhere, did y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Lending to the bank ### Answer: The easiest way would be to set up a common savings account. Most of them pay some meager interest rate, and over one night it would be especially meager. A Certifica...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the best application, software or tool that can be used to track time? ### Answer: People rave about Basecamp by 37signals. The impressive part is all the add-ins you can get for it. There a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the best application, software or tool that can be used to track time? ### Answer: Time Tracker I'm a software engineer and have been using this tool. It is free and has a good user interface....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the best application, software or tool that can be used to track time? ### Answer: There are tonnes, and tonnes of things out there, but you have to be careful what you search for. Be specifi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the best application, software or tool that can be used to track time? ### Answer: The best one I've found is TimeSnapper, I have the worst memory but this basically allows me to visually play...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the best application, software or tool that can be used to track time? ### Answer: Surprised nobody has mentioned Freshbooks yet. It's lightweight, easy to use, and free for low-end use (scali...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the best application, software or tool that can be used to track time? ### Answer: A free solution that I've been using is Task Coach. It has tasks, subtasks, categories, and all the stuff you...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the best application, software or tool that can be used to track time? ### Answer: I've been using Tick at work now for several months and have really enjoyed it. It's got a nice, simple inte...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to account for Capital Gains (Losses) in double-entry accounting? ### Answer: First, the balance sheet is where assets, liabilities, & equity live. Balance Sheet Identity: Assets = Liabilities (+ ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to account for Capital Gains (Losses) in double-entry accounting? ### Answer: Capital is an Asset. Decreasing value of capital is the decreasing value of an asset. When you buy the forex asset * D...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Could someone explain this scenario about Google's involvement in the wireless spectrum auction? ### Answer: If history is any guide, Page’s idealistic impulses could result in a vaster, more sprawlin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Could someone explain this scenario about Google's involvement in the wireless spectrum auction? ### Answer: At the time of the auction android was just vaporware but many companies were restricting t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: For young (lower-mid class) investors what percentage should be in individual stocks? ### Answer: The short answer: zero. dg99's answer gives some good reasons why. You will basically never be able t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: For young (lower-mid class) investors what percentage should be in individual stocks? ### Answer: You should only invest in individual stocks if you truly understand the company's business model and f...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: For young (lower-mid class) investors what percentage should be in individual stocks? ### Answer: I would not advise any stock-picking or other active management (even using mutual funds that are acti...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: For young (lower-mid class) investors what percentage should be in individual stocks? ### Answer: I don't believe the decision is decided by age or wealth. You only stock pick when a) you enjoy the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Opening a Roth IRA account, what is the fee structure for Vanguard, Scottrade and TIAA-CREF ### Answer: This answer is somewhat incomplete as I don't have definitive conclusions about some parts of yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is 401k as good as it sounds given the way it is taxed? ### Answer: Your analysis is not comparing apples to apples which is why it looks like investing money in a non-qualified account is better than...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is 401k as good as it sounds given the way it is taxed? ### Answer: There are 3 options (option 2 may not be available to you) When you invest 18,000 in a Traditional 401k, you don't pay taxes on the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is 401k as good as it sounds given the way it is taxed? ### Answer: Before anything, I see that no one mentioned the one thing about 401(k) accounts that's just shy of magic - The matching deposit. In...